Housing Credit Programme Ceiling Raised to Rp 50 Trillion
The government has increased the housing programme credit (KPP) ceiling for 2026 from Rp 36 trillion to Rp 50 trillion. This move aims to strengthen access to housing finance for the public.
Minister of Housing and Settlement Areas (PKP) Maruarar Sirait emphasised that the policy was taken in response to the high level of public enthusiasm for housing finance programmes, while also strengthening the national housing sector ecosystem.
“Because public enthusiasm is very high, this year’s housing programme credit ceiling has been increased from Rp 36 trillion to Rp 50 trillion. This shows the government is serious about expanding access to finance for the public and business actors,” said Maruarar Sirait, known as Ara, in a statement in Jakarta on Monday, 6 July 2026.
Ara added that the government wants to provide easier, faster, and more affordable financing solutions so that the public no longer depends on high-interest informal financing.
According to him, the various housing finance programmes represent a tangible form of the state’s presence in helping the public own decent housing, while simultaneously encouraging the growth of the national housing sector.
KPP is implemented based on Coordinating Minister for Economic Affairs Regulation (Permenko) Number 13 of 2025 and PKP Ministerial Regulation Number 13 of 2025. KPP constitutes working capital credit/financing and/or investment credit/financing provided to micro, small, and medium enterprises, whether individuals or business entities, in support of achieving priority programmes in the housing sector.
Previously, the Secretary General of the PKP Ministry, Didyk Choiroel, explained a number of requirements that must be met by MSMEs and the public to obtain KPP. These include being an Indonesian citizen or an Indonesian legal entity, having a productive and viable business, possessing a tax identification number (NPWP), holding a business identification number (NIB), having been in operation for at least six months, and having no negative information as verified through trade checking, community checking, and/or bank checking via the Financial Information Service System (SLIK) or the Financial Information Access Agency (LPIP).
Furthermore, applicants must not be simultaneously receiving People’s Business Credit (KUR), must not be simultaneously receiving other housing programme credits, may be receiving commercial credit/financing with a current collectability status in accordance with the provisions applicable at the KPP distributor, and must provide a principal collateral in the form of the object financed by the KPP, with additional collateral possible according to the provisions applicable at the KPP distributor.