{"id":277,"date":"2026-05-22T23:16:22","date_gmt":"2026-05-22T16:16:22","guid":{"rendered":"https:\/\/rumatemu.com\/blog\/syarat-kpr-flpp-2026\/"},"modified":"2026-05-26T02:48:04","modified_gmt":"2026-05-25T19:48:04","slug":"syarat-kpr-flpp-2026","status":"publish","type":"post","link":"https:\/\/rumatemu.com\/blog\/syarat-kpr-flpp-2026\/","title":{"rendered":"Syarat KPR FLPP 2026: Panduan Rumah Subsidi untuk MBR"},"content":{"rendered":"<p>KPR FLPP (Fasilitas Likuiditas Pembiayaan Perumahan) adalah program rumah subsidi pemerintah yang memungkinkan Masyarakat Berpenghasilan Rendah (MBR) memiliki rumah dengan <strong>bunga tetap 5% per tahun<\/strong> selama tenor hingga 20 tahun. Di tahun 2026, pemerintah menyediakan kuota <strong>200.000 unit<\/strong> KPR FLPP. Begini cara mendapatkannya.<\/p>\n<h2>Apa Bedanya KPR FLPP dengan KPR Biasa?<\/h2>\n<table style=\"border-collapse:collapse;width:100%\">\n<tr style=\"background:#f5f5f5\">\n<th style=\"padding:8px;border:1px solid #ddd;text-align:left\">Aspek<\/th>\n<th style=\"padding:8px;border:1px solid #ddd;text-align:left\">KPR FLPP<\/th>\n<th style=\"padding:8px;border:1px solid #ddd;text-align:left\">KPR Non-Subsidi<\/th>\n<\/tr>\n<tr>\n<td style=\"padding:8px;border:1px solid #ddd\">Bunga<\/td>\n<td style=\"padding:8px;border:1px solid #ddd\"><strong>5% fixed<\/strong> sepanjang tenor<\/td>\n<td style=\"padding:8px;border:1px solid #ddd\">6\u201311% (floating setelah fixed period)<\/td>\n<\/tr>\n<tr style=\"background:#f9f9f9\">\n<td style=\"padding:8px;border:1px solid #ddd\">Uang Muka<\/td>\n<td style=\"padding:8px;border:1px solid #ddd\"><strong>1%<\/strong> dari harga rumah<\/td>\n<td style=\"padding:8px;border:1px solid #ddd\">10\u201320% dari harga rumah<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:8px;border:1px solid #ddd\">Harga Maksimal Rumah<\/td>\n<td style=\"padding:8px;border:1px solid #ddd\">Rp 166\u2013234 juta (tergantung wilayah)<\/td>\n<td style=\"padding:8px;border:1px solid #ddd\">Tidak dibatasi<\/td>\n<\/tr>\n<tr style=\"background:#f9f9f9\">\n<td style=\"padding:8px;border:1px solid #ddd\">Luas Minimal<\/td>\n<td style=\"padding:8px;border:1px solid #ddd\">36 m\u00b2 LB, 60 m\u00b2 LT<\/td>\n<td style=\"padding:8px;border:1px solid #ddd\">Tidak dibatasi<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:8px;border:1px solid #ddd\">PPN<\/td>\n<td style=\"padding:8px;border:1px solid #ddd\"><strong>Bebas PPN<\/strong><\/td>\n<td style=\"padding:8px;border:1px solid #ddd\">Dikenakan PPN 11%<\/td>\n<\/tr>\n<\/table>\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/images.pexels.com\/photos\/4386431\/pexels-photo-4386431.jpeg?auto=compress&#038;cs=tinysrgb&#038;w=1260&#038;h=750\" alt=\"Proses pengajuan dokumen KPR FLPP 2026\"\/><figcaption>Persiapan dokumen yang lengkap memperlancar proses pengajuan KPR FLPP<\/figcaption><\/figure>\n<p style=\"font-size:12px;color:#888;\">Foto: <a href=\"https:\/\/www.pexels.com\" rel=\"nofollow\">Pexels.com<\/a><\/p>\n<h2>Syarat Penerima KPR FLPP 2026<\/h2>\n<h3>Syarat Umum<\/h3>\n<ul>\n<li>WNI berusia minimal 21 tahun atau sudah menikah<\/li>\n<li><strong>Belum pernah memiliki rumah<\/strong> atas nama sendiri (first time home buyer)<\/li>\n<li><strong>Belum pernah menerima subsidi perumahan<\/strong> dari pemerintah sebelumnya<\/li>\n<li>Belum pernah menerima KPR FLPP, SBUM, atau BSPS<\/li>\n<\/ul>\n<h3>Syarat Penghasilan (2026)<\/h3>\n<ul>\n<li>Penghasilan bruto maksimal <strong>Rp 8 juta\/bulan<\/strong> (rumah tapak tidak bersusun)<\/li>\n<li>Penghasilan bruto maksimal <strong>Rp 10 juta\/bulan<\/strong> (rumah susun\/apartemen)<\/li>\n<li>Penghasilan dihitung bersama pasangan jika sudah menikah<\/li>\n<li>Berlaku untuk karyawan swasta, PNS, TNI\/Polri, dan wiraswasta<\/li>\n<\/ul>\n<h3>Batas Harga Rumah FLPP per Wilayah 2026<\/h3>\n<ul>\n<li>Jawa (non-Jabodetabek), Sulawesi, Kalimantan: <strong>Rp 166 juta<\/strong><\/li>\n<li>Jabodetabek, Bali, NTB, Kalimantan: <strong>Rp 181 juta<\/strong><\/li>\n<li>Maluku, Papua: <strong>Rp 234 juta<\/strong><\/li>\n<li>Papua Barat: <strong>Rp 234 juta<\/strong><\/li>\n<\/ul>\n<h2>Dokumen yang Dibutuhkan<\/h2>\n<p>Lengkapi dokumen berikut sebelum mendatangi bank penyalur:<\/p>\n<ul>\n<li>Formulir permohonan KPR FLPP dari bank<\/li>\n<li>KTP pemohon dan pasangan<\/li>\n<li>Kartu Keluarga (KK)<\/li>\n<li>Akta Nikah \/ Surat Keterangan Belum Menikah<\/li>\n<li>NPWP<\/li>\n<li>Slip gaji 3 bulan terakhir \/ Surat Keterangan Penghasilan<\/li>\n<li>Rekening koran 3 bulan terakhir<\/li>\n<li>Surat Pernyataan Belum Memiliki Rumah (bermaterai)<\/li>\n<li>Surat Pernyataan Belum Menerima Subsidi Perumahan (bermaterai)<\/li>\n<li>Dokumen properti: brosur\/spesifikasi dari pengembang<\/li>\n<\/ul>\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/images.pexels.com\/photos\/210600\/pexels-photo-210600.jpeg?auto=compress&#038;cs=tinysrgb&#038;w=1260&#038;h=750\" alt=\"Bank penyalur KPR FLPP BTN 2026\"\/><figcaption>BTN adalah bank penyalur utama KPR FLPP; banyak bank nasional lain juga ikut serta<\/figcaption><\/figure>\n<p style=\"font-size:12px;color:#888;\">Foto: <a href=\"https:\/\/www.pexels.com\" rel=\"nofollow\">Pexels.com<\/a><\/p>\n<h2>Bank Penyalur KPR FLPP 2026<\/h2>\n<p>Per 2026, ada <strong>40+ bank<\/strong> yang menjadi penyalur FLPP. Bank utama:<\/p>\n<ul>\n<li>BTN (penyalur terbesar, kuota terbanyak)<\/li>\n<li>BRI<\/li>\n<li>BNI<\/li>\n<li>Bank Mandiri<\/li>\n<li>BPD (Bank Pembangunan Daerah) masing-masing provinsi<\/li>\n<\/ul>\n<p>Daftar lengkap bank penyalur tersedia di website BP Tapera (tapera.go.id).<\/p>\n<h2>Cara Daftar KPR FLPP 2026<\/h2>\n<ol>\n<li><strong>Cari rumah FLPP:<\/strong> Pilih developer yang terdaftar di PUPR \/ BP Tapera. Cek listing di <a href=\"https:\/\/rumatemu.com\/properti\/jual\">Rumatemu.com<\/a> dengan filter &#8220;Subsidi&#8221;<\/li>\n<li><strong>Hubungi developer:<\/strong> Tanyakan apakah masih tersedia kuota FLPP dan minta Surat Pemesanan Rumah (SPR)<\/li>\n<li><strong>Datangi bank penyalur:<\/strong> Bawa dokumen lengkap dan SPR dari developer<\/li>\n<li><strong>Proses verifikasi:<\/strong> Bank memverifikasi kelayakan pemohon (\u00b1 7\u201314 hari kerja)<\/li>\n<li><strong>Akad kredit:<\/strong> Penandatanganan di hadapan notaris PPAT<\/li>\n<li><strong>Serah terima kunci:<\/strong> Rumah siap ditempati<\/li>\n<\/ol>\n<h2>Tips Agar Lolos Verifikasi FLPP<\/h2>\n<ul>\n<li>\u2705 Pastikan penghasilan tidak melebihi batas \u2014 slip gaji harus konsisten<\/li>\n<li>\u2705 BI Checking \/ SLIK harus bersih, tidak ada kredit macet<\/li>\n<li>\u2705 Jangan mendaftarkan penghasilan pasangan jika totalnya melebihi batas<\/li>\n<li>\u2705 Pilih developer yang sudah terdaftar dan memiliki rekam jejak penyerahan unit tepat waktu<\/li>\n<li>\u2705 Daftar lebih awal \u2014 kuota FLPP biasanya habis di pertengahan tahun<\/li>\n<\/ul>\n<h2>Mulai Wujudkan Rumah Pertama Anda<\/h2>\n<p>KPR FLPP adalah kesempatan emas bagi MBR untuk memiliki rumah dengan cicilan terjangkau. Dengan DP hanya 1% dan bunga tetap 5%, ini adalah salah satu instrumen kredit terbaik yang pernah ditawarkan pemerintah Indonesia.<\/p>\n<p>Temukan rumah subsidi yang tersedia di kota Anda di <a href=\"https:\/\/rumatemu.com\/properti\/jual\">Rumatemu.com<\/a> \u2014 tersedia listing dari Aceh hingga Papua.<\/p>\n<h2>Cara Mendaftar KPR FLPP 2026 Step-by-Step<\/h2>\n<ol>\n<li><strong>Cek kelayakan via SiKasep<\/strong> \u2014 unduh aplikasi SiKasep (Sistem KPR Subsidi Perumahan) di Play Store\/App Store. Daftar dengan NIK dan verifikasi data kependudukan untuk memastikan Anda belum pernah menerima bantuan perumahan.<\/li>\n<li><strong>Cari rumah bersubsidi<\/strong> \u2014 melalui SiKasep atau website BP Tapera, cari developer dan unit yang sudah terdaftar sebagai rumah FLPP. Pastikan lokasi dan tipe sesuai kebutuhan.<\/li>\n<li><strong>Datangi bank penyalur<\/strong> \u2014 pilih salah satu dari 38 bank penyalur FLPP (BTN, BRI, BNI, Mandiri, dan bank daerah lainnya). Bawa dokumen persyaratan lengkap.<\/li>\n<li><strong>Proses verifikasi bank<\/strong> \u2014 bank memverifikasi kelayakan penghasilan, BI Checking\/SLIK, dan dokumen properti. Proses ini memakan waktu 5\u201314 hari kerja.<\/li>\n<li><strong>Penandatanganan akad<\/strong> \u2014 setelah disetujui, jadwalkan akad kredit di hadapan notaris PPAT. DP sebesar 1% dari harga rumah dibayarkan sebelum akad.<\/li>\n<li><strong>Serah terima kunci<\/strong> \u2014 setelah akad dan pencairan dana ke developer, kunci rumah diserahkan sesuai jadwal dalam perjanjian.<\/li>\n<\/ol>\n<h2>Batas Harga Rumah FLPP 2026 per Wilayah<\/h2>\n<table>\n<thead>\n<tr>\n<th>Wilayah<\/th>\n<th>Batas Harga Rumah FLPP<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Jawa (kecuali Jabodetabek)<\/td>\n<td>Rp 166.000.000<\/td>\n<\/tr>\n<tr>\n<td>Jabodetabek, Bali, Banten<\/td>\n<td>Rp 181.000.000<\/td>\n<\/tr>\n<tr>\n<td>Kalimantan, Sumatera, Sulawesi, NTB<\/td>\n<td>Rp 166.000.000<\/td>\n<\/tr>\n<tr>\n<td>Maluku, Papua, NTT<\/td>\n<td>Rp 240.000.000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>Harga batas ini adalah harga jual maksimal yang diperbolehkan. Pengembang tidak boleh menjual di atas angka tersebut untuk unit FLPP.<\/em><\/p>\n<h2>KPR FLPP vs KPR Tapera: Apa Bedanya?<\/h2>\n<p>Sejak 2024, BP Tapera mengelola skema baru KPR bersubsidi yang perlu dibedakan dari FLPP:<\/p>\n<table>\n<thead>\n<tr>\n<th>Aspek<\/th>\n<th>KPR FLPP<\/th>\n<th>KPR Tapera<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Sumber dana<\/td>\n<td>APBN<\/td>\n<td>Iuran peserta Tapera<\/td>\n<\/tr>\n<tr>\n<td>Bunga<\/td>\n<td>5% flat seumur hidup<\/td>\n<td>5% flat seumur hidup<\/td>\n<\/tr>\n<tr>\n<td>Syarat<\/td>\n<td>Belum punya rumah, penghasilan \u2264 Rp 8 juta<\/td>\n<td>Peserta Tapera aktif minimal 12 bulan<\/td>\n<\/tr>\n<tr>\n<td>Kuota 2026<\/td>\n<td>166.000 unit<\/td>\n<td>Terbatas per bank penyalur<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>FAQ KPR FLPP 2026<\/h2>\n<h3>Bagaimana jika kuota FLPP habis di bank yang saya pilih?<\/h3>\n<p>Kuota FLPP dibagi per bank penyalur dan bisa habis di tengah tahun. Jika bank pilihan Anda kehabisan kuota, Anda bisa mendaftar di bank penyalur lain \u2014 kuota tidak terpusat di satu bank. Pantau via aplikasi SiKasep untuk info ketersediaan kuota terkini.<\/p>\n<h3>Apakah freelancer atau pekerja informal bisa dapat KPR FLPP?<\/h3>\n<p>Bisa, dengan syarat bisa membuktikan penghasilan via Surat Keterangan Penghasilan dari kelurahan atau laporan keuangan sederhana, dan penghasilan tidak melebihi batas maksimal. Beberapa bank lebih fleksibel dari yang lain untuk profil pekerja informal.<\/p>\n<h3>Apakah bisa mengajukan KPR FLPP untuk rumah second?<\/h3>\n<p>Tidak. KPR FLPP hanya berlaku untuk rumah baru dari pengembang yang terdaftar di program FLPP. Untuk rumah second, Anda bisa menggunakan KPR non-subsidi biasa atau program BPJS Ketenagakerjaan (Manfaat Layanan Tambahan).<\/p>\n<p><strong>Baca juga:<\/strong> <a href=\"https:\/\/rumatemu.com\/blog\/cara-beli-rumah-pertama-kpr-2026\/\">cara beli rumah pertama dengan KPR<\/a> | <a href=\"https:\/\/rumatemu.com\/blog\/biaya-membeli-rumah-selain-harga-jual\/\">biaya membeli rumah selain harga jual<\/a><\/p>\n<p><strong>Baca juga:<\/strong> <a href=\"https:\/\/rumatemu.com\/blog\/rumah-subsidi-2026-syarat-cara-daftar\/\">panduan rumah subsidi 2026 lengkap<\/a><\/p>\n<div style=\"background:#f0f7ff;border-left:4px solid #2563eb;border-radius:4px;padding:14px 18px;margin:28px 0;\">\n<p style=\"margin:0;font-size:0.95em;\"><strong>Siap mulai?<\/strong> <a href=\"https:\/\/rumatemu.com\/properti\/jual\/jakarta\/\" style=\"color:#2563eb;font-weight:600;\">Cari rumah KPR-ready di Jakarta<\/a> \u2014 ratusan listing terverifikasi, gratis tanpa daftar.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Syarat lengkap KPR FLPP 2026 untuk MBR: penghasilan maksimal, batas harga rumah per wilayah, dokumen wajib, bank penyalur, dan cara daftar subsidi perumahan.<\/p>\n","protected":false},"author":2,"featured_media":276,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[7],"tags":[],"class_list":["post-277","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legalitas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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