Profits Of Becoming A Tapera Participants: Lighter Installment Of Flat Flower

Illustration. (Photo: Doc. Antara)

JAKARTA - Commissioner of the Public Housing Savings Management Agency (BP Tapera) Heru Pudyo Nugroho explained that this program was carried out in order to reduce the number of house ownership which in the record reached 9.95 million people or families. For this reason, this program is considered necessary to be launched.

"This is a consequence of Law Number 4 of 2014, the Presidential Chief of Staff (Moeldoko) has stated that the gap in ownership of this house is very high, currently 9.95 million people or families do not own a house. Meanwhile, the government's ability with various subsidies and financing facilities provides approximately 250 thousand houses," he said at a press conference at the Presidential Staff Office (KSP), in Jakarta, Friday, May 31.

Heru said that until now there are 12 provinces whose people still have difficulty getting homes at affordable prices.

"In some provinces where the population is high, such as Java and Bali, the residential affordability rate is already above five or very unaffordable. This problem occurs in almost all segments, both low-income people (MBR), middle class and high-class workers," he said.

Heru said there was a difference of around Rp. 1 million when he was a Tapera participant compared to commercial installments of the house. He gave an example if someone takes People's Housing Credit (KPR) through its commercial installments of Rp. 3.1 million. Meanwhile, when they become Tapera participants, they only displace Rp. 2.1 million.

"If the Tapera mortgage is only Rp. 2.1 million per month, it includes savings before getting benefits or benefits, participants must save to show their capacity in displacing," he said.

Heru explained that Tapera is here to increase the community's ability to get a home by getting a flat interest rate of 5 percent. Meanwhile, taking mortgage installments for commercial interest can reach 11 percent with each tenor for 20 years.

"So indirectly by becoming a Tapera participant, he saves a year, applying for a mortgage increases the bankability of the participants. This profit is more economical, around Rp. 1 million per month than the commercial mortgages that we use for other needs from the participants," he concluded.

For information, the policy is contained in Government Regulation (PP) Number 21 of 2024 concerning amendments to Government Regulation Number 25 of 2020 concerning the Implementation of Public Housing Savings signed by President Joko Widodo (Jokowi).

This provision requires workers to pay people's housing contributions of 2.5 percent of wages and 0.5 percent of being paid by employers. The Tapera contribution is effective no later than seven years after its determination or in 2027.