Your First Home Need Not Be Luxurious; The Key Is That It Fits Your Means

Jakarta — Many young people delay buying a home because they feel they are not yet settled or fear mortgage payments will be burdensome. In fact, taking the plunge is regarded as an important step to own an asset from a productive age. That message came from the celebrity couple Putri Titian and Junior Liem at a talk show during the BRI Consumer Expo 2026 at the Jakarta International Convention Center (JICC) on Friday night (22 May 2026). Putri said that she and Junior also hesitated when they were about to buy their first property after getting married. At the time, their financial means were still limited, so they could not buy a large house. “If you keep thinking about it, you won’t start. Eventually we dared to take the first property,” Putri said. Their first property was a studio apartment. Over time, however, the asset grew and became a stepping stone to owning a bigger home. According to Putri, buying property early brings many advantages. Besides being a place to live, a home can also be an investment and a source of income in the future. “Homes grow. It was enough for the two of us at first; as our needs increased, we were finally able to own a bigger home,” she said. Junior added that the first home does not have to be luxurious or perfect right away. The most important thing is to tailor it to financial ability so that the financial condition remains healthy. “Sometimes people are afraid to start because they have never done it. In fact, the first home does not have to be flashy,” Junior said. He also reminded young couples not to force buying a home beyond their means because it could disrupt the family cash flow. “Don’t go overboard. Then the cash flow can be problematic,” he said. BRI Senior Manager for Retail Payment & Card, Cipto Haryabi, said that many prospective home buyers still get trapped by desires rather than needs. Therefore, banks also play a role in helping customers choose a home that matches their ability. “What matters is that after taking a home loan (KPR), the quality of life should not fall,” said Cipto. He added that prospective buyers need to consider their installments, emergency funds, and regular expenditures before taking out a home loan. During BRI Consumer Expo 2026, BRI offered mortgage promotions with interest rates starting at 1.75 percent fixed for one year. The exhibition ran from 22–24 May 2026 at Hall A and B, JICC Senayan, Jakarta. In addition to property, the expo also featured vehicle promotions, a travel fair, and a range of talk shows and musical entertainment for visitors.