BTN Disburses 5.97 Million Housing Loans Worth IDR 555 Trillion, Majority for Low-Income Citizens
A significant development in Indonesia’s real estate sector emerged as PT Bank Tabungan Negara (Persero) Tbk (BTN) announced the distribution of 5.97 million housing loans totaling IDR 555.11 trillion. This initiative stands as a substantial contribution towards supporting families across Indonesia over the last 76 years. The majority of these loans are directed towards subsidized mortgages for low-income residents (MBR).
BTN’s CEO Nixon L. P. Napitupulu emphasized not only the historical but also the strategic significance of their role in advancing the housing sector in the country. The bank’s journey began in 1950 and it emerged as a national leader by providing the first mortgage in 1976. This transformed housing finance into the company’s core competency. Since then, BTN has actively engaged in stimulating the growth of the real estate sector.
According to company data, from 1976 to December 2025, BTN issued 5,976,874 housing loans nationwide. The main contribution came from subsidized mortgages, which reached 4.4 million units worth IDR 300.99 trillion, including 4.06 million conventional mortgages and 338,097 units of sharia mortgages.
Beyond housing financing, BTN also offers services such as Home Collateral Credit (KAR) and Home Building Credit (KBR), covering 262,876 units worth IDR 35.5 trillion, significantly contributing to citizens’ homeownership.
Positive feedback also flows from the Indonesian Real Estate Association (REI), whose chairman, Joko Suranto, noted that BTN is a mainstay in the national housing financing system, assisting not only consumers but developers as well.
The chairman of the Indonesian Association of Housing and Settlement Developers (Apersi), Junaidi Abdillah, also highlighted BTN’s importance in supporting the government’s 3 million homes program, especially in the subsidized loan segment. He noted the necessity for banking services not only as a source of funding but also as a means to support cash flow stability for ongoing projects.
