NabungDP Home Down-Payment Savings by Perumnas and BTN, Plus 40-Year Subsidised Mortgages
A home down payment savings plan called NabungDP was launched by state housing developer Perumnas and Bank BTN in Jakarta in late October 2026. Buyers save their deposit in a BTN account in their own name while their Perumnas home is being built, so the bank can see the saving record when a mortgage is requested. On the same day BP Tapera highlighted subsidised mortgages with tenors of up to 40 years.
Key Facts
- Perumnas and BTN launched NabungDP, their first joint home down-payment savings programme (2026-10-29, source: ANTARA Mataram, 29 Oct 2026 (NabungDP)).
- According to Perumnas, banks usually look for at least 6 months of consistent saving, which helps informal workers without payslips (2026-10-29, source: ANTARA Mataram, 29 Oct 2026 (NabungDP)).
- BP Tapera says subsidised mortgages now offer tenors of up to 40 years, a fixed rate to maturity, VAT borne by the government, down-payment aid and free BPHTB (2026-10-29, source: ANTARA, 29 Oct 2026 (BP Tapera)).
- The head of Bappenas said housing has a large multiplier effect on other industries (2026-10-29, source: ANTARA, 29 Oct 2026 (Bappenas)).
How the NabungDP home down payment savings work
Acting Perumnas CEO Imelda Alini Pohan said buyers struggle with raising a deposit, high instalments and bank approval. Under NabungDP the money sits in a personal BTN account; once the deposit target is reached the saver can sign the mortgage for a Perumnas home. Existing homeowners can use it to save for a next home.
Link to 40-year subsidised mortgages
BP Tapera stressed that subsidised mortgage quotas are now ample and that long tenors target young workers early in their careers. Bappenas urged an integrated housing ecosystem and the use of domestic products.
What it means for building materials
- More approved buyers keeps demand for new landed homes and basic materials (cement, AAC blocks, light steel, tiles) steady.
- Subsidised-housing developers buy in volume to standard specs, so steady supply and price matter more than brand.
- Post-handover renovation adds demand for paint, ceilings and sanitary ware.
Home down payment savings: related articles and products
- FLPP subsidised mortgages reach 185,333 units by 20 October 2026
- BSPS home renovation programme targets 400,000 units in 2026
- Indonesia building materials market trends 2026
- homeX building materials catalog
FAQ
What is NabungDP? A down-payment savings programme by Perumnas and BTN launched in late October 2026; funds are kept in a BTN account in the saver's name.
How long do banks look at the saving record? Perumnas says banks usually look for at least 6 months of consistent saving.
What is the longest subsidised mortgage tenor? BP Tapera cites an option of up to 40 years with a fixed rate to maturity.
For building and renovation material needs, reach the homeX team through our contact page.
Sources: ANTARA Mataram, 29 Oct 2026 (NabungDP); ANTARA, 29 Oct 2026 (BP Tapera); ANTARA, 29 Oct 2026 (Bappenas)