Housing & land
Apply for an Indonesian subsidised FLPP home loan with Tapera Mobile
Check first-home eligibility, income-zone rules, bank documents and the current Tapera Mobile route for Indonesia’s FLPP subsidised mortgage.
English edition. Official forms and source documents may be in Indonesian.
FLPP is subsidised home financing for applicants who meet low-income criteria, do not already own a home and satisfy a participating bank’s checks. BP Tapera now directs applicants to Tapera Mobile to choose a home and bank; SiKasep was retired in April 2026. Income limits vary by zone and family status.
See 3 official references ↓Open the official service ↗www.tapera.go.id
Guide contents
What to prepare
- KTP-el, Family Card, NPWP and tax return if requested; marriage record where relevant.
- Income evidence or the prescribed income statement for irregular earnings, plus a home reservation letter.
Steps you can follow
Check eligibility and zone
Compare household income and first-home status with BP Tapera’s zone and marital-status criteria.
Open Tapera Mobile
Register through the app linked by BP Tapera, then choose an available home and participating bank.
Prepare bank documents
Collect identity, income, NPWP, return and home-reservation documents from the official checklist.
Compare total commitments
Request written figures for deposit, instalments, transaction charges and insurance before signing.
Costs and timing
Payments depend on the property, lender, applicant and current FLPP rules. A promotional low down payment does not equal the total purchase cost; ask the lender for a written breakdown.
Check current requirements, availability and charges through the official reference ↗ before applying or paying.
Income zones and lender decisions
BP Tapera publishes different monthly income ceilings across four zones and marital statuses. There is no single nationwide ceiling; use the current table for the property and household. It lists documentary routes for both regular and irregular earnings.
Meeting an income ceiling does not guarantee mortgage approval. The lender still checks repayment capacity, documents and the chosen property. Applicants can inspect their own credit-information record.
SiKasep migration
BP Tapera moved SiKasep services to Tapera Mobile on 13 April 2026. Older articles still pointing to SiKasep can misdirect applicants.
Before paying a reservation fee, check the developer, property details and bank route through the official channels.
Things to check carefully
- No third party can guarantee lender approval.
- Income limits and property prices vary by area and rule changes.
- A low instalment does not show all upfront costs and late-payment risks.
Frequently asked questions
Is SiKasep still the route?
No. BP Tapera says the service migrated to Tapera Mobile.
Can an informal worker apply?
BP Tapera describes evidence for irregular earners, although the bank still decides on the application.
Sources and review
Editorial review of public information: . This is not a review by an agency officer or a professional adviser. Official document titles are retained below.
- BP Tapera: syarat dan cara KPR FLPP ↗www.tapera.go.id · Accessed 23 September 2026
- BP Tapera: migrasi SiKasep ke Tapera Mobile ↗www.tapera.go.id · Accessed 23 September 2026
- BP Tapera: panduan Tapera Mobile ↗www.tapera.go.id · Accessed 23 September 2026
Current agency rules take precedence. Editorial method · Report a correction