Current Condition: Limited access to formal housing finance. 70% of the total workforce are informal sectors, nonpayroll and most of them are associated with poverty –> deemed non-creditworthy. The vast majority of low-income housing is self-help housing (80%). –> incremental housing based on financial ability. Only 20% are purchased from developers. There are barriers to accessing housing mortgages in Indonesia. Limited access to housing mortgage. Lack of low-interest- long-term financing. the current tenor may not attract the households to access housing finance from formal financial institutions.