This is a Comparison of Tapera and Commercial Housing Loan Installments

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Adi Ahdiat 03/06/2024 11:03 WIB

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According to BP Tapera's calculations, Tapera mortgage installments for landed house purchases are cheaper than commercial/non-subsidized mortgages.

Tapera and Commercial Housing Loan Installment Simulation (May 2024)*

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Tapera and Commercial Housing Loan Installment Simulation (May 2024)*

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The Indonesian People's Housing Savings Program (Tapera) is a financing program designed by the Indonesian government to assist low-income earners in purchasing, renovating, or building homes.

Tapera's home ownership loan (KPR) installments are lower than those of commercial/non-subsidized KPRs.

Based on calculations by the Tapera Management Agency, individuals earning Rp4 million per month can apply for a Tapera KPR for a landed house with the following scheme:

* House price: Rp175 million
* Down payment (DP): 1%
* Tenor: 20 years
* Interest rate/margin: 5% per annum (fixed rate)
* Monthly installment: KPR installment Rp1.14 million + Tapera savings contribution (3% of income) Rp120,000 = Rp1.26 million

On the other hand, the installment scheme for commercial/non-subsidized KPRs is more expensive, with the following details:

* House price: Rp175 million
* Down payment (DP): 1%
* Tenor: 20 years
* Interest rate/margin: 11% per annum (floating rate)
* Monthly installment: Rp1.79 million

Based on this simulation, the Tapera KPR installment for a landed house is approximately Rp524,000 cheaper per month than a commercial/non-subsidized KPR.

If accumulated over 20 years, the Tapera KPR installment for a landed house is also approximately Rp125 million cheaper than a commercial/non-subsidized KPR.

The Tapera Management Agency also states that participants in this Tapera KPR scheme will receive a return of their savings plus investment returns totaling Rp41.6 million after 20 years.

Editor : Adi Ahdiat

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."

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This is a Comparison of Tapera and Commercial Housing Loan Installments

This is a Comparison of Tapera and Commercial Housing Loan Installments

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This is a Comparison of Tapera and Commercial Housing Loan Installments

This is a Comparison of Tapera and Commercial Housing Loan Installments

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Number of Severely Damaged Houses due to Natural Disasters in Indonesia 2015-2024

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The number of Transjakarta, MRT, and LRT users in Jakarta increased in September 2025.

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