# Indonesian banking and property market trends

> Live situation record from CLSTR: https://clstr.news/situations/indonesian-banking-and-property-market-trends
> Updated: 2026-09-14T02:00:19.000Z. Sources: 5. Developments: 2.

In August 2026, Indonesia experienced rising residential property prices in Bali, driven by increased production costs, labor, licensing fees, and fuel prices. Mortgage schemes accounted for 67.6 percent of total purchases, with major banks like Bank Central Asia, CIMB Niaga, and Danamon offering varying floating mortgage rates amid tight liquidity.

By mid-September 2026, state-owned banks including Bank Mandiri, BRI, and BNI maintained stable deposit interest rates. This stability followed a 100 bps aggregate rate hike by Bank Indonesia in June, prompted by a weakening Rupiah and rising global oil prices. The Indonesia Deposit Insurance Corporation guarantee rate rose to 3.75 percent. Investors remain focused on US Federal Reserve decisions and asset diversification strategies to mitigate inflation and geopolitical risks.

## Timeline

### 2026-09-14: Indonesian banks maintain deposit rates amid shifting investment outlooks

Indonesian state-owned banks maintain steady deposit rates amid global volatility, while DBS CIO recommends diversifying into Asian equities and gold for the second half of 2026.

2 sources. https://clstr.news/cluster/indonesian-banks-maintain-deposit-rates-amid-shifting-investment-outlooks

### 2026-08-22: Indonesia property prices rise amid varying mortgage floating rates

Indonesian residential property prices are rising due to increased production costs, while mortgage floating rates vary across major banks like BCA and CIMB Niaga amid tight liquidity.

5 sources. https://clstr.news/cluster/bni-hosts-wondrx-2026-lifestyle-and-property-event-at-ice-bsd

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Cite as: Indonesian banking and property market trends. CLSTR, https://clstr.news/situations/indonesian-banking-and-property-market-trends