Young Indonesians Can Afford Homes Without Waiting to Be Established, Here's How via Mobile App
A long queue stretched outside the blue-white-and-red bus bearing the inscription “Bale by BTN” parked in front of the Jakarta International Convention Center (JICC) on Wednesday (28 February). Amid the bustling expo atmosphere, many young people were visible, including Rina Nur Aini, a private sector employee who had recently begun her career.
Rina came not only to view the products but to experience firsthand the benefits of the Bale by BTN application, which facilitates access to housing financing.
“Bale by BTN is the answer for those of us who have always felt that owning a home is an impossible dream to achieve,” said Rina enthusiastically to Media Indonesia.
“I used to think owning a home was very difficult. However, now I can directly check my dream home and simulate instalments without having to bother going to the bank. Everything is transparent and clear. This truly helps us who are just starting work,” Rina said amidst the hustle and bustle of the BTN Expo 2026.
The mortgage application process, according to Rina, which was previously considered complicated and bureaucratic, now feels easier, faster, and clearer.
“From what I know, applying for a mortgage used to require time and many confusing steps. Now, I can do all of that in one application, without hassle,” she added.
Beyond Rina, many other young people were visible who had come with the same hope of owning their first home. One of them was Andri, a 27-year-old young man who had also recently begun his career.
Andri said he never imagined the mortgage process could be this practical.
“I never imagined a mortgage could be this easy. In the past, many people said mortgages were complicated, lengthy, and stressful. But now, simply using a mobile phone, everything becomes easier. I can see suitable homes, know the estimated instalment, and most importantly, I don’t need to go to the bank,” said Andri, who now feels more confident to take a major step in his life.
BTN’s Chief Executive Officer, Nixon L.P. Napitupulu, expressed great optimism regarding Bale by BTN’s future.
“Bale by BTN is a strategic step for us to provide a new digital experience for customers, especially the young generation who need financial solutions that are fast, practical, and easy to access,” said Nixon.
Furthermore, Nixon stated that Bale by BTN’s achievement was also driven by the enthusiasm of the younger generation increasingly welcoming this service.
Since its launch in February 2025, the application has gained over 3.7 million active users in its first year, with an additional approximately 100,000 new users each month.
By the end of December 2025, the application had also recorded transaction volumes reaching Rp103.6 trillion, surging 79.2% compared to the previous year.
Additionally, third-party funds (DPK) successfully gathered through Bale by BTN users also recorded significant figures, namely Rp22.8 trillion by the end of 2025, providing substantial contribution to BTN’s total DPK.
Nixon stated that Bale by BTN not only simplified the banking process but also delivered positive impacts on Indonesia’s housing sector development.
BTN is targeting continued strengthening of its digital transformation in 2026, with a target growth in transaction volume of 60% and transaction volume growth of 40%.
“Bale by BTN, which has become a super app for Indonesian family financial services, continues to develop to enable customers to access various banking services only through their mobile phones,” added Nixon.
With the integration of the BTN Property platform within this application, customers can now apply for mortgages online without needing to visit branch offices. In fact, BTN became the first bank to introduce digital mortgage applications, with a system for online data input and document uploads, making a previously complicated process more straightforward and efficient.
However, this journey does not rely solely on the technology sector. Knight Frank Indonesia’s Senior Research Advisor, Syarifah Syaukat, reminded that fiscal policy support is crucial to ensure the sustainability of the government-initiated 3 million homes programme.
“Besides technology, the role of fiscal policy and incentives is very much needed to maintain public purchasing power,” said Syarifah.
Government appreciation for BTN’s role was also evident in President Prabowo’s statement, which appreciated BTN’s contribution in channelling the Sejahtera Mortgage scheme through the Liquidity Facilitation Scheme for Housing Finance (FLPP) throughout 2025.
“This is an achievement to be proud of, however there is still much work to be done to achieve even more,” said Prabowo.
Deputy Minister of Housing and Spatial Planning, Fahri Hamzah, reminded that the housing sector requires more than just increased home production.
According to him, the state needs to regulate the ecosystem comprehensively so that business actors focus solely on construction, rather than turning the state into a “property marketing agent”.
“The housing problem cannot be solved simply by increasing production, but also by improving governance, including the settlement of land governance and licensing,” asserted Fahri.
With support from various parties, Bale by BTN has proven that the process of obtaining a first home can now be easier and more quickly accessed by young Indonesians, opening greater opportunities for them to pursue their larger life dreams.