Amid increasingly selective Home Ownership Loan (KPR) disbursement policies driven by high benchmark interest rates, property technology (proptech) platform Pinhome remains optimistic about its business prospects. Through a strategic synergy with PT Bank Tabungan Negara (Persero) Tbk (BTN), Pinhome targets aggressive business growth ranging from 50 to 75 percent by the end of 2026.
The collaboration, initiated just two months ago, has already yielded positive results. Co-Founder and Chief Executive Officer of Pinhome, Dayu Dara Permata, revealed that this partnership has generated a significant database of potential clients (leads). In fact, some consumers have successfully secured instant approvals from BTN, as they were deemed to meet all established credit eligibility criteria.
The digital synergy between the two parties covers various financing facilities, ranging from mortgages for new homes (primary market) and pre-owned homes (secondary market) to mortgage takeover programs. To attract market interest, the collaboration also offers various exclusive deals, such as competitive interest rates starting from 2.65 percent, discounted provision fees, and simpler administrative processes for customers wishing to transfer their mortgage portfolios to BTN.
Dayu Dara did not deny that the current economic situation requires banks to be more cautious in mitigating credit risk. This is reflected in tighter assessment adjustments, ranging from determining credit ceilings and asset valuation appraisals to evaluating the location and physical condition of the buildings. However, she emphasized that these selective measures do not mean banks are limiting or stopping housing finance altogether.
With housing demand remaining steady, Pinhome continues to encourage the public to engage in careful property planning early on. Through an integrated digital service strategy, the company targets consistent monthly growth in the high single-digit range to achieve its cumulative target by the end of 2026.
