There is a risk behind the decisions of many young unmarried couples to buy houses jointly. Everything we explore through "Joint Venture with a Lover is Beautiful, Especially If You Don't See the Risks". This phenomenon is actually a slap for state officials. The desire to own a home among young people is actually great. However, to what extent is the government able to accommodate? Still part of VOI Typical Series Writing, "When is the Board Established?"
Home Ownership Credit (KPR) managed by the Social Security Administration (BPJS) for Employment, housing savings for the State Civil Apparatus (ASN) managed by the Public Housing Savings Management Agency (BP Tapera) to the Housing Financing Liquidity Facility (FLPP) by the Ministry of Public Works and Public Housing (PUPR) are several ways the state accommodates people's ability to buy housing.
In addition, there is a large program that has also been initiated by the government, namely the One Million Houses Program. The program, which has been managed by the Ministry of PUPR, has been running since April 29, 2015 with a target of building houses of 1.25 million in 2019. Director General of Housing Provision of the Ministry of PUPR, Khalawi Abdul Hamid, said the program is running well. Even exceeding the target. Currently, the government has managed to build 1,257,852 housing units.
"In 2019, 1,257,852 units were achieved ... Alhamdulillah, it exceeded the target of 1.25 million (units)," Khalawi added in a short message some time ago.
Khalawi also said that currently the government is discussing steps to accommodate the needs of youth boards, especially millennials. So far, there are three options offered. The first is a rental apartment that is intended for young couples or those who are single. Second, the FLPP Rumah Tapak KPR for those with a maximum income of IDR 4 million and the FLPP Rusunami KPR for those with a maximum income of IDR 7 million.
"Beginner millennials (generation z) who have just graduated from college, don't want to have a house yet, so it is suitable for a rental house or apartment for rent near the center of activity and easy access to transportation. Second, millennials up to 35 years old who are married, usually start wanting to own a house. itself, so it is suitable to buy rusunami. And there is a subsidy scheme with KPR-FLPP. Meanwhile, millennials who have developed, have enough money, can choose housing according to their needs and tastes, "said Khalawi.
Not enough
Even so, the programs implemented by the government are not sufficient to ensure the availability of cheap houses. There are other steps that must be taken by the government to perfect the spirit of providing low-cost housing under this program: controlling land prices.
To do this, the PUPR Ministry must partner with the Ministry of Agrarian Affairs and Spatial Planning (ATR / BPN) to manage the land bank program. This program is important to ensure the availability of land at affordable and stable prices.
The government can follow what the City Government of Eugene, Oregon, United States has done. Referring to the Harvard Kennedy School report, the program has been rolled out since the 1970s to support the development of low-cost housing areas.
The government can also use state land to build affordable housing. As has been done by Perumnas in Jakarta and its surroundings from the 1970s to the 1980s. Without controlling land prices, affordable housing remains impossible.
Apart from controlling land prices, the government is obliged to design innovations in residential development. An urban village type innovation where the construction of a house consists of two floors with different ownership. This can be done to outsmart limited land.
Not enough. Government intervention should go further down to regulations. It is nothing. Indonesia is rolling out as a country with many rigid and inefficient rules. Strong house ownership rules are a barrier for many property developers to innovate.
This problem is reinforced by a recent report published by The Conversation. In the 2019 report, it was observed that the average land price for settlements in the Jakarta area reached IDR 14.5 million per meter. So, building a house is not enough. Strategic steps need to be taken to support the One Million Houses Program which has been running well so far.
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