BRI Disburses Rp 17.13 Trillion in Subsidised Mortgages, Boosting Housing for Low-Income Groups and Regional Economies
JAKARTA — PT Bank Rakyat Indonesia (Persero) Tbk has recorded the disbursement of Subsidised Home Ownership Credit (KPRS) amounting to Rp 17.13 trillion to more than 125,000 debtors up to March 2026. This financing not only expands housing access for low-income communities (MBR) but also drives economic activity in various regions.
BRI’s Consumer Banking Director, Aris Hartanto, stated that KPRS disbursements will continue to be increased in line with the company’s commitment to providing decent and affordable housing.
“BRI will continue to optimise housing finance disbursements to reach more communities in various regions,” he said in a written statement on Monday (13/4/2026).
In the context of equity, BRI’s extensive network serves as an important foundation for expanding the reach of housing finance to various areas.
With this infrastructure, BRI aims to make home ownership access for MBR increasingly inclusive, not only concentrated in major cities but also reaching regions that have previously had limited financing access.
On the other hand, new economic activities also emerge through business opportunities for small and medium enterprises (UMKM) around housing areas.
“Housing finance plays an important role in improving welfare while driving economic activity in various regions,” he said.
Through this role, BRI not only acts as a financing provider but also contributes to expanding sustainable home ownership access.
With a combination of access expansion and multiplier economic effects, housing finance is considered one of the important instruments in driving more inclusive growth.
On the other hand, the disbursement of subsidised mortgages is also supported by government policies through interest subsidies or credit margin subsidies. The government sets the subsidy amount between 5.5 per cent and 10 per cent per year, depending on the credit ceiling applied for by the debtor.
This policy is stipulated in Minister of Finance Regulation (PMK) No. 65/2025 on the Procedures for Implementing Interest Subsidy/Credit Margin Subsidy Activities for the Housing Programme.
The regulation was issued to support President Prabowo Subianto’s 3 million homes programme, with all subsidies covered by the State Revenue and Expenditure Budget (APBN).
In detail, for credit ceilings above Rp 10 million up to Rp 100 million, the interest subsidy is set at 10 per cent. Meanwhile, for ceilings above Rp 100 million up to Rp 500 million, the subsidy is 5.5 per cent.
The subsidy provision period is a maximum of five years. After that period ends, debtors no longer receive interest subsidies if the credit is still ongoing.
With this scheme, the government seeks to maintain the affordability of instalments for low-income communities (MBR), while strengthening the driving force of the subsidised mortgage programme disbursed by banks, including BRI.