BTN Disburses 6 Million Subsidised Housing Loans for Third Decile Households

JAKARTA, KOMPAS.com - PT Bank Tabungan Negara (Persero) Tbk (BBTN) has outlined its strategy for disbursing subsidized housing loans (KPR) to low-income households (MBR), including those in the third decile group. Chief Executive Nixon LP Napitupulu stated that BTN has disbursed 6 million units of subsidized housing loans since the programme began. “For the third decile group, BTN has provided 6 million subsidized housing units since the programme’s inception,” Nixon said in a written statement on Sunday, 24 May 2026. Under government assistance programmes, this group is categorised as near-poor. Nixon explained that BTN has two main strategies for disbursing housing credit to the public. First, through a subsidized KPR programme designed for households with specific income ceilings to ensure targeting of MBR groups. According to him, the subsidized KPR programme is the government’s primary instrument to reach communities in deciles 3 to 8. “KPR is supported by the government. The government has created a subsidized KPR programme with income limits to target low-income households, many of whom are unbanked. If there are 10 deciles, the most disadvantaged are in deciles 1-2, while deciles 3-8 are covered by KPR,” he explained. Meanwhile, those in deciles 1 and 2 still struggle to access banking credit. For this group, the government provides the Self-Help Housing Stimulus Assistance (BSPS). Under this programme, the government offers a subsidy of between Rp 20 million and Rp 25 million per household for 400,000 households this year. “For deciles 1-2, the government issues BSPS self-help housing stimulus assistance, providing Rp 20 million to Rp 25 million per household to 400,000 households this year,” Nixon said. Additionally, the government is reviewing a KPR tenure scheme of up to 40 years to expand public access to housing finance.