Housing KUR Rules Have Been Issued, Here's The Provisions

YOGYAKARTA The government has just issued a regulation regarding people's business credit (KUR) specifically for the housing sector. This regulation is contained in the Coordinating Minister for Economic Affairs Regulation Number 13 of 2025 concerning Guidelines for the Implementation of Housing Program Loans. So, what does the housing KUR rule sound? Check out the full information in the review below.

In this regulation, the housing KUR is called the Housing Credit. In Article 1 paragraph (1) of the regulation, housing credit is defined as a credit / investment financing and / or working capital credit / financing given to macro, small, medium-sized enterprises (MSMEs) in the form of individuals / individuals or business entities carried out in order to support the achievement of priority programs in the housing sector.

The party that distributes housing loans is a financial institution or cooperative that has been designated as a distributor of people's business loans.

Furthermore, in Article 3 it is written, the Housing Program Credit Distributor is a KUR distributor who has a KUR distribution ceiling and is not in a position to be temporarily suspended.

For funding, as stated in Article 4, the distribution of Housing Program Loans comes from funds from Financial Institutions or Cooperatives as Housing Program Credit Distributors.

Then Article 5 states that Housing Program Credit Distributors conduct an examination of potential Housing Program Credit Recipients through the Financial Information Service System (SLIK) or Credit Information Management Institution (LPIP).

In the process of lending credit recipients of housing programs, the distributor will use the data listed in the Program Credit Information System (SIKP). The data is sourced from:

Regarding the Housing Program credit collateral, as stated in Article 8, it consists of additional principal collateral and collateral.

The main goal is the object financed by the Housing Program Credit. Meanwhile, additional collateral can be applied in accordance with applicable regulations at the Housing Program Credit Distribution.

Furthermore, in Article 9 it is written, the government provides a Subsidy for Interest/Subsidy Marjin on the Distribution of Housing Program Loans as a reduction of Interest/Margin Rates that are charged to Housing Program Credit Recipients.

The Interest/Subsidy Marjin Subsidy is paid to the Housing Program Credit Distributor in accordance with the provisions of the legislation

So, what about the distribution scheme? Article 10 states that Housing Program Loans are distributed by Housing Program Credit Distributors to Housing Program Credit Recipients directly.

Housing Program Loans are channeled through two schemes, namely Housing Program Loans on the supply of houses, as well as Housing Program Loans on the demand side of the house. Here's the explanation:

Pasal 11 Beleid tersebut menjelaskan, Kredit Program Peruma sisi penyediaan ruma diberikan kepada UMKM berupa individual/perdividual atau badan usaha untuk keperluan:

MSMEs as potential Recipients of Housing Program Credit are classified as follows:

Meanwhile, the conditions that must be met by Prospective Housing Program Credit Recipients include:

If they meet these provisions, Candidates for Housing Program Credit Recipients can get loans with a ceiling of more than IDR 500 million to IDR 5 billion.

Article 17 of the regulation explains, Housing Program Loans on the side of demand for ruma are given to MSMEs in the form of individuals / individuals for needs:

In order to be able to access Housing Program Credit, MSMEs must meet the following requirements:

The type of credit given to Housing Program Credit Recipients on the housing demand side is in the form of investment credit with a loan ceiling of more than Rp. 10 million to Rp. 500 million.

That's information about housing credit rules. Get news updates of other options only on VOI.ID.