Housing Credit Programme Ceiling Raised to Rp 50 Trillion, Here Are the Requirements

The Minister of Housing and Residential Areas (PKP), Maruarar Sirait, has emphasised that the government continues to strengthen access to housing finance by increasing the credit ceiling for the Housing Program (KPP) in 2026 from Rp 36 trillion to Rp 50 trillion.

“Due to very high public enthusiasm, the housing program credit ceiling for this year has been increased from Rp 36 trillion to Rp 50 trillion. This demonstrates the government’s seriousness in expanding access to financing for both the public and business actors,” stated Maruarar Sirait, also known as Ara, in a statement in Jakarta on Monday (6/7/2026).

This policy was implemented in response to the high level of public interest in housing finance programmes, while simultaneously strengthening the national housing sector ecosystem.

Ara added that the government intends to provide financing solutions that are easier, faster, and more affordable, ensuring that the public no longer has to rely on high-interest informal financing.

According to him, various housing finance programmes are a tangible manifestation of the state’s presence in helping citizens obtain decent housing while driving growth within the national housing sector.

The KPP is implemented based on the Regulation of the Coordinating Minister for Economic Affairs (Permenko) Number 13 of 2025 and the Regulation of the Minister of Housing and Residential Areas (Permen PKP) Number 13 of 2025.

The KPP consists of working capital credit/financing and/or investment credit/financing provided to micro, small, and medium enterprises, in the form of individuals or business entities, to support the achievement of priority programmes in the housing sector.