BNI Introduces KPR Cermat with Light Instalments at Danantara Housing Expo 2026
PT Bank Negara Indonesia (Persero) Tbk, or BNI, has introduced its KPR Cermat feature at the Danantara Housing Expo 2026, held from 27 to 30 August 2026 at NICE PIK 2. The feature, part of the BNI Griya non-subsidised mortgage product, allows customers to obtain a discount on their running interest rate of up to 1% per year by linking their mortgage facility to the average daily balance of their savings account.
Under the programme, BNI is collaborating with hundreds of developers offering a wide range of properties, from premium and commercial housing to subsidised homes.
BNI Corporate Secretary Okki Rushartomo said KPR Cermat is designed as an alternative for customers to manage their home financing while optimising funds held in their savings accounts. “Through KPR Cermat, customers can obtain an interest rate discount by maintaining a minimum average daily balance in their savings account. The funds remain available and can be used for transactions, while also helping to ease the burden of mortgage instalments in accordance with applicable provisions,” Okki said in a written statement on Saturday (29/8/2026).
Customers can obtain an interest rate discount starting from 0.5% per year by maintaining a minimum average daily savings balance of 10% of the outstanding principal. The discount can increase according to the balance maintained, up to a maximum of 1% per year. Funds in the linked savings account are not blocked and can still be used for transactions and earn interest in accordance with applicable provisions.
Under the KPR Cermat scheme, customers may also link up to five savings accounts, including accounts belonging to a spouse, parents, or children who are still registered in the same family card, subject to programme requirements.
To help the public estimate their financing capacity, BNI is also providing a mortgage calculator at its booth during the Danantara Housing Expo 2026. Through this facility, visitors can simulate instalments and view various financing scheme options before selecting a home that suits their needs and financial capacity.
“BNI wants to help the public plan home ownership more comprehensively. Not only choosing a home, but also understanding their ability to pay instalments and utilising financing schemes that match their financial situation,” Okki said.
Through the Danantara Housing Expo 2026, the public can visit BNI’s booth to explore various housing options from hundreds of developers and consult on BNI Griya and KPR Cermat facilities.
BNI’s presence at the exhibition is part of the company’s support for the Three Million Houses Programme and its efforts to broaden public access to housing finance. As a state-owned enterprise within the Danantara Indonesia ecosystem, BNI will continue to strengthen collaboration with developers and various stakeholders to deliver housing finance solutions that are increasingly accessible and suited to public needs.