Indonesian proptech firm MilikiRumah has launched a global version of its artificial intelligence powered mortgage-readiness profiling tool, marking what the company calls the beginning of a full-scale rent-to-own ecosystem for homebuyers who struggle to access bank financing.
The software, delivered as a Software-as-a-Service product, allows potential homebuyers visiting real estate projects to check their likelihood of securing a mortgage in under 10 seconds. Traditionally, the same process can take three to four weeks through banks and financial institutions. The tool is offered to property developers on a paid, usage-based model and works directly at project sites.
The launch comes at a time when access to credit remains one of the biggest hurdles for millions of aspiring homeowners in Indonesia and across Southeast Asia. A large section of working individuals remains underbanked, often lacking a formal credit history despite steady incomes.
MilikiRumah’s technology screens and categorises the financial profiles of would-be buyers in real time. It analyses income, spending behaviour, repayment capacity and past credit patterns to predict mortgage approval probability. The system also flags potential delinquency risks at an early stage, helping developers and lenders manage exposure while guiding buyers on how to improve their bankability.
The company said that its SaaS platform currently serves over 100 real estate projects across Indonesia. By the end of 2026, this number is projected to cross 1,000 projects. This translates into an estimated gross development value of IDR 4.5 trillion or around USD 268 million and a database of nearly 1.2 million consumer leads generated through developer partnerships.
Indonesia is being used as the launchpad for MilikiRumah’s wider regional rollout across Greater Asia. The company expects demand for its platform to rise sharply as developers look for faster ways to qualify buyers and reduce sales friction.
“Reducing the time taken to assess mortgage eligibility from weeks to seconds transforms how property is sold,” said Winston Lee, co-founder and chief executive officer of MilikiRumah. He added that the company’s proprietary technology allows developers to focus only on serious and financially viable buyers, while maintaining its social mission of expanding homeownership.
According to Winston, the strong adoption among Indonesian developers reflects a long-standing gap in the market. “We are addressing a systemic problem where millions of capable buyers are locked out of formal financing due to lack of credit records. Our platform helps close that gap,” he said.
Under the platform’s broader model, MilikiRumah also operates a structured rent-to-own programme. Buyers who fail to qualify for immediate mortgage approvals are assessed under the company’s alternative financing framework. If approved, they enter into a rental contract with monthly instalments while building a verified payment track record. Once their financial profile strengthens, they are guided back to banks for formal home loans.
The company said this approach helps aspiring homeowners transition from being underbanked to fully bankable over time. Developers, in turn, are able to monetise previously rejected leads that would otherwise exit the sales funnel.
MilikiRumah’s technology director Prasma Anindita said the AI engine creates a dynamic financial roadmap for each prospective buyer. The system not only evaluates present eligibility but also prescribes concrete steps that individuals must take to improve their credit standing.
The platform also draws strength from its growing repository of alternative credit data. By 2026, MilikiRumah expects its database of underbanked consumer profiles to run into the hundreds of thousands and later scale into the millions. This data, the company believes, will allow much more accurate risk profiling than traditional banking models.
MilikiRumah’s co-founder and President Director Marine Novita said the platform was built to directly address inefficiencies in traditional property sales and mortgage processing. She noted that many developers struggle to accurately assess buyer readiness and often spend months engaging with unqualified prospects.
“With our platform, developers gain real-time insight into the financial readiness of buyers. This improves sales efficiency, reduces fall-outs, and leads to more predictable cash flows,” she said.
Several large developers have already adopted the platform. Executives from Easton Urban Capital, Sakura Land, Winland Development and MAS Group said the tool allows their sales teams to move faster, prioritise serious buyers and offer a smoother experience to customers.
Industry observers say MilikiRumah’s model reflects a growing trend in proptech where artificial intelligence is being used to bridge gaps between developers, lenders and end-customers. In an environment where affordability and credit access increasingly shape housing demand, such digital screening tools could become a standard part of the home-buying process.
Beyond commercial gains, the company positions itself as a social impact platform focused on improving financial inclusion. By integrating rent-to-own with AI-driven credit assessment, MilikiRumah aims to offer an alternative ownership pathway to households that fall outside traditional banking systems.
As Southeast Asia’s property markets continue to urbanise rapidly, access to structured financing remains one of the biggest barriers to sustainable homeownership. MilikiRumah is betting that technology-led credit profiling and alternative ownership models will play a central role in reshaping how homes are bought and financed in the region.
