What Is KBR Tapera? The Following Is An Explanation And The Requirements For Participants

What Is KBR Tapera (Cadlervid85 - Freepik image)

YOGYAKARTA - Recently, Indonesian netizens have been shocked about the Public Housing Savings (Tapera). Now this time we will discuss what is KBR Tapera, see until it's finished, yes!

The reason is, Home Building Credit (KBR) is one of the People's Housing Savings Financing (Tapera) products that participants can use.

However, before Tapera participants take advantage of the product, it is better to know about the discussion of KBR Tapera. Why? So that Tapera participants can make preparations, both in terms of finance, knowledge, and the necessary conditions.

Reporting from the official website of the Public Housing Savings Management Agency (BP Tapera), this is the discussion regarding KBR Tapera.

KBR is a financing product for the construction of the first house on owned land or a pair of Tapera participants. That is, Tapera participants who need financing for house construction from the start can use the Tapera KBR product.

I. Target

Not all Tapera participants can apply and use KBR. This is because this financing product is specifically for Tapera participants who fall into the category of low-income people (MBR). MBR is a community that has less than IDR 8 million in income (regions other than Papua and West Papua), or less than IDR 10 million (specifically Papua and West Papua).

Not only that, KBR is only intended for Tapera participants who do not have a house, but already have land in their own name or a partner.

II. Features

BP Tapera offers KBR with a 5 percent interest rate, monthly installments to be paid off, a maximum tenor of 20 years, and a maximum credit limit of IDR 132 million (regions other than Papua and West Papua) or IDR 171 million (specifically Papua and West Papua). However, the credit ceiling or limit that BP Tapera will provide is adjusted to the Budget Plan (RAB) and the income group.

III. Distribution Bank

The bank that distributes the Tapera housing financing program, be it KPR Tapera, KRR Tapera, or KBR Tapera includes:

IV. Requirements

There are also provisions for Tapera participants to be able to use KBR, namely:

In addition, BP Tapera also has priority size criteria for participants who want to use Tapera housing financing:

After that, the required documents that need to be prepared for the Tapera KBR submission include:

V. KBR submission steps

Sebelum peserta Tapera dapat mengajukan KBR pemberi kerja perlu melaksanakan penginian data peserta lewat portal kepesertaan yang dapat diakses di https://sitara. tapera.go.id.

The data acquisition includes data such as income information as well as employment allowances and information. Through the same portal, Tapera participants must also meet personal data. Not only that, Tapera participants are also required to ensure that they meet the requirements of participants who can receive the benefits of the Tapera Financing program.

The next step, Tapera participants prepare RAB and other documents for the KBR submission.

After that, Tapera participants came to one of the channeling banks. Later, the channeling bank will check the suitability and completeness of the required documents. Then, the application file will be carried out by the channeling bank, starting from checking SILK or BI Checking, data verification, to analyzing the feasibility of the RPC.

If the KBR application file is approved by the channeling bank, the participants will be contacted by the channeling bank and after that carry out a credit agreement.

In addition, read also: Tapera Contributions Can Lower People's Purchasing Power.

So after knowing what KBR Tapera is, look at other interesting news on VOI.ID, it's time to revolutionize news!