Jakarta, August 1, 2025 — The government has officially increased the FLPP quota target to 350,000 units in the 2025 fiscal year. From that total, PT Bank Tabungan Negara (Persero) Tbk (BTN) received an increased allocation to 220,000 units, up from the previous quota of 158,301 units. This additional quota further confirms BTN’s strategic role as the frontline bank supporting the housing financing program for low-income communities (MBR).
BTN Director of Consumer Banking Hirwandi Gafar said that the increase in the FLPP quota is a concrete step by the government to expand access to decent and affordable home ownership. BTN welcomed this move and stated its readiness to accelerate the distribution of subsidized housing loans, both for conventional schemes (160,000 units) and sharia schemes (60,000 units).
“BTN strongly supports the government’s Three Million Houses Program, especially for MBR and Moderate-Income Communities (MBT). We have prepared various financing instruments from both the supply and demand sides, including strengthening service digitalization so that people can more easily access subsidized mortgages,” said Hirwandi during an OJK Institute webinar, Thursday (31/7).
BTN also continues to innovate through the digital application Bale by BTN, which is integrated with the Bale Properti feature, allowing people to search for housing, apply for conventional or sharia mortgages, and monitor the process online—without having to visit a branch office.
“Our suggestion is not to delay buying a house. Now it is easier and faster because all BTN services can be accessed online,” he added.
Before the quota adjustment, the national FLPP allocation for 2025 was 220,000 units, with BTN receiving 158,301 units (122,834 conventional units and 35,467 sharia units). However, since July 23, 2025, the national quota has been increased to 350,000 units, and BTN is now targeted to distribute 220,000 units in total.
In the same forum, Head of the Government Bank Supervision Department of OJK, Yan Syafri, emphasized that OJK supports housing sector financing through various policies, including POJK No. 40/2019, which simplifies asset quality assessment for loans up to Rp5 billion, including subsidized mortgages.
“OJK supports the national housing financing program but still encourages prudential principles in its implementation,” Yan stressed.
Support for Vertical Housing and TOD
BTN also continues to encourage the development of vertical housing to address land limitations, especially in major cities. Hirwandi emphasized that FLPP also applies to flats and apartments, but the public needs to be encouraged to get used to the concept of vertical housing as commonly found in other countries.
“If everyone wants landed houses, agricultural land will be eroded. The government needs to step in to educate the public and encourage the concept of flats,” he said.
Meanwhile, Acting Director of Residential Area Development at the Ministry of Housing and Settlement Areas (PKP), Edward Abdurrahman, added that the government supports the Transit Oriented Development (TOD) concept to improve land efficiency and costs. Several regions, such as Palembang, have already begun responding positively to this concept.
“We are working with state-owned enterprises that own strategic land and local governments to realize vertical housing integrated with transportation and public facilities,” said Edward.
Ttd.
Ramon Armando
Corporate Secretary
PT Bank Tabungan Negara (Persero) Tbk
(021) 633 6789
csd@btn.co.id
