Take the step towards your dream home, even if your BI Checking is still on hold
Let's take the step together with MilikiRumah, an alternative way for those who are not yet eligible for a mortgage. Secure your dream home before someone else does.
Our Partners and Supporters
You just need a little help to break free from the deadlock
Getting rejected for a mortgage feels like a dead end, but MilikiRumah is here to help
Complete all the requirements and move into your dream home immediately
The home can become your property after successfully completing the Pre-Mortgage program
Take the step with MilikiRumah
- BI Checking is not the only consideration, opening up more opportunities
- There are various housing options available without long waiting times
- The Pre-Mortgage program is specially designed to help you graduate quickly and own your home
- Helping you build a reputation and trust with every payment
Payment Illustration
MilikiRumah offers a flexible scheme with less requirements than conventional home loans. Below is an illustration (subject to specific circumstances).
A new path to owning a home
MilikiRumah is a proptech platform dedicated to helping more Indonesians take the first step towards homeownership. With AI technology, we offer a flexible Rent-to-Own scheme designed to be inclusive and overcome various challenges in owning a home. MilikiRumah was founded by industry veterans with deep knowledge and networks in real estate, proptech, and finance.
MilikiRumah In the news
Mengapa Banyak Orang Sulit Punya Rumah?
Di tengah ambisi pemerintah untuk menyediakan jutaan rumah bagi rakyat, ada satu akar masalah yang sering luput dari perhatian: akses terhadap fasilitas pembiayaan perumahan.
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Paradigma Baru dalam Memenuhi Kebutuhan Hunian Rakyat
Kemudahan yang ditawarkan oleh skema RTO, memungkinkan nasabah yang belum memenuhi persyaratan KPR untuk dapat menghuni rumah idamanannya, menghindari kenaikan harga, dan memberi motivasi untuk kehidupan yang lebih baik baik.
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MilikiRumah Hadirkan Solusi Agar Masyarakat Underbanked Bisa Memiliki Rumah
MilikiRumah mendorong kepemilikan rumah di Indonesia dengan cara membantu populasi underbanked untuk membangun credit profile mereka.
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Find Your Dream Home
Find out how MilikiRumah can help you own one of this dream home.Frequently asked questions
We have compiled some questions you may have.What is the difference between MilikiRumah and other financing options like mortgages?
MilikiRumah offers a Pre-Mortgage program aimed at preparing consumers so that they can take out a mortgage soon, even if they currently do not meet the conditions required by banks to obtain a mortgage.
Thus, MilikiRumah does not replace but rather complements mortgages with a preliminary program that can help consumers become ready to take out a mortgage.
If I can't take out a mortgage yet, I can still rent a house first, right?
Renting a house is a choice many individuals, couples, and families make to become independent quickly.
However, when making this choice, there are other things they need to consider:
Can we set aside funds to save, so we don't have to rent indefinitely?
Will the rental costs increase, and by how much?
If one day we buy a house, will the price of a house that meets our expectations still be affordable?
It's natural that within all these considerations, there's a feeling of regret that the rent money spent seems to leave no trace.
MilikiRumah's Pre-Mortgage program allows consumers to immediately occupy their desired home (if the house is ready for occupancy), and at the same time, each payment guides consumers to qualify for a mortgage, so that the house transfers to their ownership.
A New Step to Owning a Home
PT Miliki Rumah Indonesia
18 Office Park, Lantai 10, Lot A. Jl. TB Simatupang No. 18, Kebagusan, Pasar Minggu, Jakarta Selatan, 12520