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2021
Peraturan Badan Pengelola Tabungan Perumahan Rakyat NO. 6, BN 2021 (471); 38 hlm
Peraturan Badan Pengelola Tabungan Perumahan Rakyat TENTANG Pembiayaan Perumahan bagi Peserta Tabungan Perumahan Rakyat
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Badan Pengelola Tabungan Perumahan Rakyat ini mulai berlaku pada tanggal 03 Mei 2021. \n \n

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Peraturan Badan Pengelola Tabungan Perumahan Rakyat Nomor 6 Tahun 2021 ini bertujuan untuk mengatur pembiayaan perumahan bagi peserta Tabungan Perumahan Rakyat (Tapera). Kebijakan ini dilatarbelakangi oleh kebutuhan untuk menyediakan rumah yang layak huni dan terjangkau bagi peserta Tapera, sesuai dengan ketentuan dalam Undang-Undang Nomor 4 Tahun 2016 dan Peraturan Pemerintah Nomor 25 Tahun 2020. Peraturan ini menetapkan skema pembiayaan yang mencakup jenis pembiayaan, kelompok penghasilan, suku bunga, margin, atau ujrah, serta jangka waktu dan standar teknis bangunan. Peserta yang berhak mendapatkan pembiayaan adalah warga negara Indonesia dan warga negara asing yang bekerja di Indonesia dengan visa minimal enam bulan. Pembiayaan ini mencakup kredit pemilikan rumah, pembangunan rumah, dan perbaikan rumah, baik secara konvensional maupun syariah. Peserta harus memenuhi persyaratan tertentu, termasuk masa kepesertaan minimal 12 bulan dan termasuk golongan masyarakat berpenghasilan rendah. Pembiayaan hanya diberikan satu kali dan untuk rumah pertama. Penyaluran pembiayaan dilakukan melalui bank atau perusahaan pembiayaan yang ditunjuk, dengan risiko ketidaktertagihan ditanggung oleh penyalur. Peraturan ini juga mengatur urutan prioritas peserta berdasarkan kriteria tertentu dan mekanisme pengawasan serta pelaporan oleh BP Tapera.

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STATE GAZETTE
REPUBLIC OF INDONESIA
No. 471, 2021

REGULATION OF THE HOUSING SAVINGS MANAGEMENT AGENCY
NUMBER 6 OF 2021
REGARDING
HOUSING FINANCE FOR HOUSING SAVINGS PARTICIPANTS

BY THE GRACE OF ALMIGHTY GOD

COMMISSIONER OF THE HOUSING SAVINGS MANAGEMENT AGENCY,

Considering:

that to implement the provisions of Article 25 paragraph (4), Article 27 paragraph (2), Article 28 paragraph (3), and Article 31 of Law Number 4 of 2016 concerning Public Housing Savings and to implement the provisions of Article 36 paragraph (5) of Government Regulation Number 25 of 2020 concerning the Implementation of Public Housing Savings, it is necessary to stipulate a Regulation of the Housing Savings Management Agency concerning Housing Finance for Public Housing Savings Participants;

In view of:

Law Number 4 of 2016 concerning Public Housing Savings (State Gazette of the Republic of Indonesia of 2016 Number 55, Supplement to the State Gazette

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