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.
QUICK ANSWER
How do I apply for an FLPP subsidised home loan through Tapera Mobile?
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 4 official references ↓Open the official service ↗www.tapera.go.id
Guide contents
What you need to apply for an FLPP subsidised home loan
- 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.
How to apply for an FLPP subsidised home loan
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.
How much it costs to apply for an FLPP subsidised home loan
Under Housing Ministerial Decision 1722/KPTS/M/2026, FLPP mortgages for landed homes carry a fixed 5% a year for the whole term, a term of up to 40 years and a down-payment subsidy (SBUM) of Rp4,000,000 (Rp10,000,000 in the Papua provinces). House price caps run from Rp166 million (most of Java and Sumatra) to Rp240 million (Papua); Bogor, Depok, Tangerang and Bekasi fall under the Rp185 million cap. Ask the bank for a written breakdown of other costs (insurance, fees, notary) before signing.
| Term | Amount |
|---|---|
| Interest rate | 5% a year, fixed for the whole term |
| Term | Up to 40 years |
| Down-payment subsidy (SBUM) | Rp4,000,000; Rp10,000,000 in the Papua provinces |
| House price cap | Rp166 million to Rp240 million by region (Greater Jakarta satellites Rp185 million, Papua Rp240 million) |
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.
What are the FLPP subsidised mortgage price caps and rate in 2026?
A fixed 5% a year for terms up to 40 years. Landed-home price caps are Rp166 million in most of Java and Sumatra, Rp185 million in Bogor, Depok, Tangerang and Bekasi, up to Rp240 million in Papua (Housing Ministerial Decision 1722/KPTS/M/2026, 6 August 2026). There is a Rp4 million down-payment subsidy (Rp10 million in Papua).
Sources and review
Editorial review of public information: . This is not a review by an agency officer or a professional adviser. Reviewed by Kaiser Khan, publisher of Panduan Warga. 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
- JDIH Kementerian PKP: Kepmen PKP 1722/KPTS/M/2026 (batas harga, bunga, tenor, SBUM) ↗jdih.pkp.go.id · Accessed 1 October 2026
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