JAKARTA \u2014 PT Bank Rakyat Indonesia (Persero) Tbk has recorded the\ndisbursement of Subsidised Home Ownership Credit (KPRS) amounting to Rp\n17.13 trillion to more than 125,000 debtors up to March 2026. This\nfinancing not only expands housing access for low-income communities\n(MBR) but also drives economic activity in various regions.<\/p>\n
BRI\u2019s Consumer Banking Director, Aris Hartanto, stated that KPRS\ndisbursements will continue to be increased in line with the company\u2019s\ncommitment to providing decent and affordable housing.<\/p>\n
\u201cBRI will continue to optimise housing finance disbursements to reach\nmore communities in various regions,\u201d he said in a written statement on\nMonday (13\/4\/2026).<\/p>\n
In the context of equity, BRI\u2019s extensive network serves as an\nimportant foundation for expanding the reach of housing finance to\nvarious areas.<\/p>\n
With this infrastructure, BRI aims to make home ownership access for\nMBR increasingly inclusive, not only concentrated in major cities but\nalso reaching regions that have previously had limited financing\naccess.<\/p>\n
On the other hand, new economic activities also emerge through\nbusiness opportunities for small and medium enterprises (UMKM) around\nhousing areas.<\/p>\n
\u201cHousing finance plays an important role in improving welfare while\ndriving economic activity in various regions,\u201d he said.<\/p>\n
Through this role, BRI not only acts as a financing provider but also\ncontributes to expanding sustainable home ownership access.<\/p>\n
With a combination of access expansion and multiplier economic\neffects, housing finance is considered one of the important instruments\nin driving more inclusive growth.<\/p>\n
On the other hand, the disbursement of subsidised mortgages is also\nsupported by government policies through interest subsidies or credit\nmargin subsidies. The government sets the subsidy amount between 5.5 per\ncent and 10 per cent per year, depending on the credit ceiling applied\nfor by the debtor.<\/p>\n
This policy is stipulated in Minister of Finance Regulation (PMK)\nNo.\u00a065\/2025 on the Procedures for Implementing Interest Subsidy\/Credit\nMargin Subsidy Activities for the Housing Programme.<\/p>\n
The regulation was issued to support President Prabowo Subianto\u2019s 3\nmillion homes programme, with all subsidies covered by the State Revenue\nand Expenditure Budget (APBN).<\/p>\n
In detail, for credit ceilings above Rp 10 million up to Rp 100\nmillion, the interest subsidy is set at 10 per cent. Meanwhile, for\nceilings above Rp 100 million up to Rp 500 million, the subsidy is 5.5\nper cent.<\/p>\n
The subsidy provision period is a maximum of five years. After that\nperiod ends, debtors no longer receive interest subsidies if the credit\nis still ongoing.<\/p>\n
With this scheme, the government seeks to maintain the affordability\nof instalments for low-income communities (MBR), while strengthening the\ndriving force of the subsidised mortgage programme disbursed by banks,\nincluding BRI.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/bri-disburses-rp-17-13-trillion-in-subsidised-mortgages-boosting-housing-for-low-income-groups-and-regional-1776059490", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }