Take the leap of faith towards
your dream home although
BI Checking didn’t say so
Take the leap of faith with MilikiRumah, an alternative solution for those who are not yet eligible for a conventional home loan. Secure your dream home today, before it is out of your reach.
Break through the barriers.
You decide the next step.
Feeling stuck after rejection? MilikiRumah to the rescue
Start living in your dream home, one step closer to home ownership with every payment
Free to decide the next step, without worrying about home price increases

Take the leap of faith with MilikiRumah
- Start your property journey earlier with less requirements and get in at current property prices
- Gain both home equity and better credit score with every payment to unlock the freedom to choose other payment schemes in future
- Defer larger expenses such as taxes and duties to the end of tenure
- Flexible payment frequency to suit your stream of income, whether monthly, weekly, or even daily
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 which aims to help more Indonesians get started in their home ownership journey, even when a conventional mortgage doesn’t work. Leveraging AI technology, we offer a flexible Rent-to-Own scheme designed for inclusivity and empowerment, to break through the barriers of home ownership.
MilikiRumah is founded by industry veterans with the best know-how and networks in real estate, proptech, and finance. Meet our team on LinkedIn.