Ekonomi Netral
Gen Z & Milenial Jadi Sasaran Perluasan Akses KPR
Gen Z dan milenial menjadi sasaran perluasan akses KPR melalui integrasi pencarian properti, pengukuran kemampuan finansial, dan pengajuan kredit yang digelar dalam Harpropnas Fest 2026 pada 8-13 September 2026 di Kota Kasablanka, Jakarta. BTN bersama 99 Group dan Kementerian Koordinator Bidang Infrastruktur menyediakan layanan digital bale by BTN serta platform Rumah123 untuk membantu calon pembeli menyesuaikan cicilan sekitar 30% penghasilan dengan kondisi keuangan. Berbagai pihak menekankan bahwa perluasan akses kepemilikan rumah membutuhkan ekosistem terhubung mulai dari penyediaan hunian, pembiayaan, hingga informasi bagi konsumen.
Poin-Poin Utama
- Gen Z and millennials targeted in homeownership access expansion through property search, financial assessment, and KPR (homeownership credit) integration.
- Harpropnas Fest 2026 held 8-13 September 2026 at Grand Atrium Kota Kasablanka, Jakarta.
- Thomas Wahyudi, SEVP Digital Business of PT Bank Tabungan Negara (BTN), highlighted installment-to-income ratio challenge for young buyers.
- Recommended installment share sits around 30% of income, subject to individual financial condition.
- Buyers advised to factor location, living costs, transportation, and installment size before taking KPR.
- BTN developed digital channel 'bale by BTN' covering property search, financing simulation, KPR submission, and application tracking.
- Digital services run alongside branch office and service center consultations for in-person assistance.
- Darius Cheung, CEO of 99 Group, emphasized access to information and financing as key in home purchase decisions.
- Rumah123 positioned to accompany consumers across property search and financing solution stages.
- Ronny Ariuly Hutahayan, Deputy at Coordinating Ministry for Infrastructure, called for connected ecosystem covering housing supply, financing, and information.
- Harpropnas Fest 2026 offerings include new homes, secondary homes, KPR take over, and auctioned homes.
- Property exhibition initiative started in 2018.
- Bharat Buxani, CMO of 99 Group, noted buyer needs range from initial property search to solutions for existing KPR.
- Event includes financing consultation services for prospective consumers.
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