# Indonesian banking and housing credit trends > Developing situation record from CLSTR: https://clstr.news/situations/indonesian-banking-and-housing-credit-trends > Updated: 2026-11-02T13:30:44.000Z. Sources: 14. Developments: 3. In October 2026, Bank Indonesia reported that approximately Rp68.35 trillion in new credit was channeled into the housing sector to finance roughly 115,000 homes. This initiative, part of the Macroprudential Liquidity Incentive policy, aims to support green and inclusive development. However, subsidized housing realization reached only 45.73% of the government target by the end of the third quarter. Analysts noted that affordability, rising prices, and bankability issues remain significant hurdles for consumers. By late October, the Financial Services Authority reported that total Indonesian banking credit reached a ten year high, exceeding Rp9,200 trillion. While corporate and investment lending showed strong growth of over 20%, consumer credit growth slowed to approximately 4.7% to 5.07%. Major institutions like BCA, CIMB Niaga, and Permata Bank reported varied expansion results, though analysts cautioned regarding tight liquidity and compressed net interest margins. As of November 1, 2026, the Ministry of Housing and Settlement Areas reported that Housing Program Credit (KPP) or KUR Perumahan reached Rp29.17 trillion, benefiting 119,790 debtors and representing 70.85 percent of the annual target. Sri Haryati, the Director General of Urban Housing, stated this progress is vital for the national housing ecosystem. Meanwhile, BP Tapera reported that Home Ownership Loans (KPR) through the Housing Financing Liquidity Facility (FLPP) reached 194,360 units as of October 31, 2026, accounting for 55.53 percent of the 350,000 unit annual target. ## Claims - Investment credit grew by approximately 21% to 25% year-on-year. (reported by 3 sources) - Indonesian banking credit growth reached approximately 13.2% to 13.6% year-on-year. (reported by 2 sources) - Corporate credit grew by over 21% year-on-year. (reported by 2 sources) - Consumer credit growth was between 4.7% and 5.07% year-on-year. (reported by 2 sources) - Total outstanding banking credit exceeded Rp9,200 trillion. (reported by 1 source) - CIMB Niaga total credit and financing reached Rp242.6 trillion. (reported by 1 source) - BCA credit expansion reached Rp1,063.1 trillion by September 2026. (reported by 1 source) - The 10-year Indonesian sovereign bond yield rose above 7.7%. (reported by 1 source) ## Timeline ### 2026-11-02: Indonesia housing financing reaches Rp29.17 trillion in 2026 Indonesia's housing credit reached Rp29.17 trillion by November 2026, serving 119,790 debtors, while BP Tapera reported 194,360 FLPP housing units distributed toward its annual target. 4 sources. https://clstr.news/cluster/indonesia-housing-financing-reaches-rp2917-trillion-in-2026 ### 2026-10-27: Indonesia banking credit reaches 10-year high Indonesian banking credit hit a 10-year high, exceeding Rp9,200 trillion, driven largely by 21% growth in corporate lending despite slowing consumer credit and liquidity pressures. 12 sources. https://clstr.news/cluster/cimb-niaga-syariah-reports-growth-in-third-party-funds ### 2026-10-07: Bank Indonesia channels Rp68.35 trillion in credit for 115,000 homes Bank Indonesia has channeled Rp68.35 trillion in new housing credit for 115,000 homes, yet subsidized housing targets remain unmet due to affordability and bankability challenges for young buyers. 2 sources. https://clstr.news/cluster/bank-indonesia-channels-rp6835-trillion-in-credit-for-115000-homes --- Cite as: Indonesian banking and housing credit trends. CLSTR, https://clstr.news/situations/indonesian-banking-and-housing-credit-trends