BP Tapera Encourages Nahdliyin Community to Achieve First-Home Ownership
The Indonesian Public Housing Savings Management Agency (BP Tapera) is encouraging members of the Nahdliyin community to gain wider access to owning their first home through the KPR Sejahtera FLPP (Housing Financing Liquidity Facility) scheme.
This initiative was announced during a talk show and the launch of the ‘1,300 First-Home Recipients Program for Nahdliyin Citizens’ held in conjunction with the NU Muktamar at the Bahrul Ulum Pesantren Complex, Jombang, on Thursday (27/08/2026).
Acting Head of Marketing Division II at BP Tapera, Muhammad Abdul Ghoni, explained that the KPR Sejahtera FLPP is designed to assist low-income communities in obtaining houses through a more affordable financing scheme. In his presentation, BP Tapera identified several primary obstacles faced by the public when attempting to purchase a home, including high property prices, interest and instalment burdens, down payments, and various upfront costs borne by potential buyers.
Through the KPR Sejahtera FLPP, the public can obtain landed house financing with down payments starting from just one per cent, a fixed interest rate of six per cent until full repayment, and a maximum tenor of 40 years. Monthly instalments can start from approximately Rp700,000.
The programme also provides down payment subsidies of Rp4 million for regions outside Papua and Rp10 million for all regions in Papua. Several cost components, including life, fire, and credit insurance premiums, as well as VAT and land and building transfer duty (BPHTB), also receive facilities in accordance with programme regulations.
BP Tapera has established several requirements for beneficiaries. Applicants must be Indonesian citizens, registered residents of a specific region, must not have previously received housing subsidies or assistance from the government, must not currently own a home, and must have either fixed or variable income.
The first-home programme for the Nahdliyin community is particularly relevant given that the issue of home ownership remains significant, including in East Java. Based on BPS data from Susenas March 2025 presented by BP Tapera, the national housing backlog has reached 9.64 million households. East Java has a backlog of 649,211 households, while Jombang Regency reaches 32,963 households.
Consequently, expanding access to housing finance is considered an essential instrument to reduce the gap between housing needs and ownership, particularly for communities that have historically faced financing limitations.
BP Tapera also reminded the public to be diligent before selecting subsidised housing. Potential buyers are urged not only to consider the price and instalment schemes but also to ensure the physical condition and the availability of basic infrastructure. “Ensure that the community visits the housing location to verify that the house is completed and that water and electricity access are available,” Ghoni stated in his remarks to Republika on Sunday (30/08/2026).