Housing Access for Indonesia’s Young Generation Needs More Flexible Financing

RRI.CO.ID, Jakarta – The housing needs of Indonesia’s younger generation continue to pose challenges to homeownership. Changing work patterns, diverse income sources, and limited access to financing mean first‑time homebuyers require more flexible housing options and financing schemes.

To address this issue, the Daya Anagata Nusantara Investment Management Agency (Danantara) is expanding access to first‑time homeownership by integrating housing and financing options within a single ecosystem.

Danantara CEO Rosan Roeslani said younger buyers, including Generation Z, need easier access to housing options and financing information that match their financial capacity.

“We want to create an ecosystem that makes it easier for people to own a home. In one place, prospective buyers can explore various housing options and gain access to financing alternatives that suit their needs,” Rosan said in an official statement received in Jakarta on Saturday, August 8, 2026, as quoted by Antara.

Danantara noted that homeownership challenges are increasingly relevant for the younger generation. According to data from the Central Bureau of Statistics (BPS), around 81 million young Indonesians are projected to remain without private housing by 2025.

Income characteristics among young people are also shifting. A 2026 Deloitte survey cited by Danantara found that nearly 30 percent of Generation Z have side jobs, reflecting increasingly diverse income sources.

Rosan said these changes in work and income patterns must be supported by more adaptive home financing schemes. Access to information and financing options is also essential so prospective buyers can tailor homeownership decisions to their financial capabilities.

To support this need, Danantara will hold the Danantara Housing Expo 2026 from August 27–30 at the Nusantara International Convention Exhibition (NICE), PIK, Jakarta.

The event will offer access to more than 200,000 housing options for both low‑income and non‑low‑income households. Prospective buyers can also consult with developers, member banks of the State‑Owned Banks Association (Himbara), and Islamic banks to obtain financing simulations.

Financing options include down payments starting from 1 percent, interest rates or margins starting from 2.75 percent, terms of up to 30 years, and installment schemes.

Rosan said these options are expected to help younger buyers and first‑time homeowners choose homes based on their financial situation.

“These homes are also designed to be affordable, with more attractive interest rates and better payment mechanisms,” he said.

To expand access, Danantara is encouraging collaboration between state‑owned property companies, Himbara, financing institutions, and developers. This cross‑sector collaboration is expected to simplify the homeownership process, especially for first‑time buyers.

“This cross‑sector collaboration is crucial so people no longer face a complicated process when taking the first step toward owning their first home,” Rosan said.

He hopes the integration of housing options, information, and financing will meet the needs of the younger generation while expanding public access to homeownership. ***