JAKARTA - The People's Housing Savings Management Agency (BP Tapera) revealed that low-income people or MBR who are married can only apply for housing loans for Housing Financing Liquidity Facilities (KPR FLPP) once.
"Especially for MBR, husbands/wife can only take advantage of the 1x facility. If the husband has used this facility, his wife can no longer," said BP Tapera Commissioner Heru Pudyo Nugroho in his statement in Jakarta, Friday.
The government has issued Regulation of the Minister of Housing and Settlement Areas (Permen PKP) Number 5 of 2025 concerning the Amount of Income and Criteria for Low-Income Communities and Requirements for Ease of Building and Acquiring Houses.
In the regulation, the MBR criteria are based on the amount of income, and the amount of income as referred to is determined based on the income of individuals who do not marry or the income of married individuals.
As for the income of individual people who marry are all net income sourced from salaries, wages, and/or the results of a joint husband and wife business.
In the regulation, to get easy construction or housing for MBR, people who meet the requirements must submit an application in accordance with the provisions of the legislation.
The requirements as referred to include Indonesian citizenship and meet the provisions of the amount of income and criteria for MBR.
According to Heru, if Indonesian citizens, registered as residents in one area, have never received subsidies/housing assistance from the government, do not yet have a home and have permanent income, they can directly access the subsidized housing financing program by contacting the nearest FLPP channeling bank in their respective cities.
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In 2025, BP Tapera collaborated with 39 Distributors Banks, consisting of 7 national banks and 32 Regional Development banks.
The KPR for Housing Financing Liquidity Facilities or FLPP is the support for housing financing liquidity facilities to MBR whose management is carried out by BP Tapera.
The provisions of the FLPP mortgage are a fixed 5 percent interest rate for a period of time, mortgages including life insurance premiums, fire insurance and credit insurance, mortgage installments for a maximum of 20 years, down payment starting from 1 percent and free of VAT.
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