BTN has distributed Home Ownership Loan (KPR / “Kredit Pemilikan Rumah”) Sejahtera under the Housing Financing Liquidity Facility (FLPP / “Fasilitas Likuiditas Pembiayaan Perumahan”) totaling Rp186.58 trillion by the end of September 2025, an 8.0 percent YoY increase from Rp172.76 trillion. During the first year of President Prabowo Subianto and Vice President Gibran Rakabuming Raka’s administration, BTN disbursed Rp13.82 trillion, reinforcing its role as the government’s primary partner in national housing finance. In June 2025, the government raised the FLPP quota from 220,000 to 350,000 units, assigning 220,000 units to BTN and allowing the bank to maintain its 62 percent market share. Fitch Ratings Indonesia reaffirmed BTN as a highly strategic institution that is difficult to replace in housing policy.
As a supporter of the Three Million Homes Program aligned with Asta Cita, BTN contributes to the target of building two million homes in rural areas and one million in urban areas, which is expected to stimulate economic growth. A study by BTN’s Housing Finance Center shows that the program generates multiplier effects across 185 economic subsectors. BTN continues expanding partnerships with developers, (State-owned Enterprises) SOEs, startups, and public communities such as online motorcycle taxi drivers, small traders, and barbers. The bank is also forming international collaboration with Qatari investor, AlQilaa Group, for subsidized vertical housing.
BTN appreciates the government’s licensing simplifications, including the exemption of Land and Building Acquisition Duty (BPHTB/ “Bea Perolehan Hak atas Tanah dan Bangunan”) for subsidized houses and the removal of Building Approval (PBG / “Persetujuan Bangunan Gedung”) fees. The government has placed Rp200 trillion in State-owned Banks (Himbara/ “Himpunan Bank Milik Negara”) and Bank Syariah Indonesia (BSI), allocating Rp25 trillion to BTN to strengthen housing credit liquidity. The adjusted FLPP income limits of Rp12 million for single-income earners and Rp14 million for joint-income earners in Greater Jakarta are considered capable of expanding access for middle-income groups and accelerating the reduction of the approximately nine-million-unit housing backlog.
BTN is bolstering the housing finance ecosystem through business process adjustments and enhanced digital transformation. The Bale by BTN super app, integrated with Bale Properti, enables online home searches and mortgage applications. By strengthening services and sustainable funding, BTN aims to become a transactional bank that more effectively supports national housing development.
