JAKARTA \u2013 Young people now have another way to prepare a home deposit\nthrough a savings scheme integrated with housing finance services. The\nprogramme allows prospective buyers to build up funds gradually while\npreparing the requirements for a home ownership loan (KPR).<\/p>\n
Perum Perumnas and PT Bank Tabungan Negara (Persero) Tbk (BTN)\nlaunched the Nabung DP programme at the Youth Housing Festival at\nPasaraya Blok M in Jakarta. It is designed to help the public,\nparticularly young people, develop the habit of saving before buying\ntheir first home.<\/p>\n
Perumnas Acting President Director Imelda Alini Pohan said home\nownership requires careful financial planning. In addition to saving for\na deposit, prospective buyers need to assess their ability to meet\ninstalments and fulfil the bank\u2019s financing requirements.<\/p>\n
\u201cWe understand that the challenges people face in owning a home are\nnot limited to saving for a deposit; they also include being able to\nmeet instalments and satisfy banks\u2019 requirements for KPR approval,\u201d\nImelda said in a written statement in Jakarta on Friday (30 October\n2026).<\/p>\n
According to Imelda, Nabung DP encourages prospective buyers to set\naside part of their income regularly to prepare a home deposit. The\nhabit of saving may also be one of the factors banks consider when\nassessing a prospective borrower\u2019s financial readiness to apply for a\nKPR.<\/p>\n
Imelda explained that people can save while waiting for construction\nof their chosen home to be completed. The funds remain recorded in the\nsaver\u2019s own name and may be used to help finance the home, subject to\nthe applicable rules.<\/p>\n
\u201cThe savings remain in the individual\u2019s name, making ownership clear,\nand can be used to help reduce the burden of housing finance, in\naccordance with the applicable provisions,\u201d Imelda added.<\/p>\n
Imelda said early financial preparation can help young people\nunderstand the home-buying process and the financing options available.\nThe programme is intended to enable prospective buyers to plan home\nownership in a more measured way.<\/p>\n
\u201cThrough this initiative, young people are expected to begin building\ntheir financial readiness early, while gaining a better understanding of\nthe home-buying process and the financing options available,\u201d Imelda\nsaid.<\/p>\n
Alongside the introduction of Nabung DP, the Youth Housing Festival\nfeatures a property exhibition showcasing several Perumnas housing\ndevelopments. Visitors can find information about locations, unit types\nand offers available during the festival.<\/p>\n
Perumnas is also providing free consultations on BTN KPR facilities\nfor the purchase of homes it has developed. Through the service,\nprospective buyers can learn about financing options, loan application\nrequirements and the steps to prepare before buying a home.<\/p>\n
Imelda said working with banks is one way to broaden public access to\nhousing finance. Perumnas is also seeking to improve young people\u2019s\nunderstanding of financial planning and the process of owning a\nhome.<\/p>\n
\u201cBy holding the Youth Housing Festival, Perumnas hopes to improve\nhousing ownership literacy among young people and broaden public access\nto housing products and services,\u201d Imelda said.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/perumnas-and-btn-introduce-a-down-payment-savings-scheme-for-first-homes-1793325073", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }