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Gaji Rp 8 Juta di Bogor, Masih Bisa Beli Rumah Subsidi? Simak Penjelasannya!

Program Kredit Pemilikan Rumah (KPR) subsidi melalui Fasilitas Likuiditas Pembiayaan Perumahan (FLPP) menjadi pilihan bagi Masyarakat Berpenghasilan Rendah (MBR) yang ingin memiliki hunian layak dengan harga dan cicilan terjangkau. Deputi Komisioner Bidang Pemanfaatan Dana Tapera, Sid Herdi Kusuma, menjelaskan, pengajuan KPR subsidi ditujukan bagi masyarakat yang memerlukan dukungan pemerintah karena keterbatasan daya beli.

Syarat Pengajuan KPR Subsidi

Kriteria pembeli rumah subsidi diatur melalui Peraturan Menteri Perumahan dan Kawasan Permukiman (PKP) Nomor 5 Tahun 2026 tentang besaran penghasilan, kriteria MBR, serta persyaratan kemudahan pembangunan dan perolehan rumah. Peraturan ini menggantikan aturan lama, yakni Keputusan Menteri PUPR Nomor 22/KPTS/M/2023.

Berikut batas penghasilan maksimal MBR yang bisa mengajukan KPR rumah subsidi:

Zona 1: Jawa (kecuali Jabodetabek), Sumatera, NTT, NTB Umum/lajang: Rp 8,5 juta Pasangan menikah: Rp 10 juta Peserta Tapera: Rp 10 juta
Zona 2: Kalimantan, Sulawesi, Bangka Belitung, Kepulauan Riau, Maluku, Maluku Utara, Bali Umum/lajang: Rp 9 juta Pasangan menikah: Rp 11 juta Peserta Tapera: Rp 11 juta
Zona 3: Papua dan sekitarnya Umum/lajang: Rp 10,5 juta Pasangan menikah: Rp 12 juta Peserta Tapera: Rp 12 juta
Zona 4: Jabodetabek Umum/lajang: Rp 12 juta Pasangan menikah: Rp 14 juta Peserta Tapera: Rp 14 juta

Syarat tambahan bagi MBR:

Warga Negara Indonesia (WNI)
Tercatat sebagai penduduk setempat
Belum pernah menerima subsidi pemerintah sebelumnya
Bisa perseorangan atau pasangan menikah
Tidak memiliki rumah dan memiliki penghasilan tetap atau tidak tetap

Contohnya, pekerja lajang dengan gaji Rp 8 juta yang ingin membeli rumah subsidi di Bogor dan memenuhi syarat di atas, berhak mengajukan KPR subsidi.

Harga Maksimal Rumah Subsidi 2026

Harga rumah subsidi diatur dalam Keputusan Menteri PUPR Nomor 689/KPTS/M/2023, mengacu pada harga jual maksimal tahun sebelumnya jika aturan baru belum terbit. Berikut harga maksimal rumah subsidi di berbagai wilayah:

Jawa (kecuali Jabodetabek) & Sumatera: Rp 166 juta
Kalimantan: Rp 182 juta
Sulawesi, Bangka Belitung, Kepulauan Mentawai, Kepulauan Riau: Rp 173 juta
Maluku, Maluku Utara, Bali, Nusa Tenggara, Jabodetabek, Kepulauan Anambas, Murung Raya, Mahakam Ulu: Rp 185 juta
Papua & wilayah sekitarnya: Rp 240 juta

Program KPR subsidi FLPP ini memberi kesempatan bagi MBR untuk memiliki rumah layak dengan cicilan ringan, sekaligus mendukung upaya pemerintah menyediakan hunian terjangkau bagi seluruh masyarakat.

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