The Indonesian government has officially introduced the Tabungan Perumahan Rakyat (Tapera), a mandatory housing savings program to increase access to affordable housing and foster national well-being.
Established through Government Regulation No. 21 of 2024, Tapera requires contributions from:
These individuals will contribute a portion of their monthly salary to the program.
The Tapera program is driven by two key objectives designed to improve access to affordable housing in Indonesia:
Several key legal documents establish the Tapera program's foundation, ensuring its smooth operation and alignment with national housing goals. These include:
This law defines the program's objectives, guiding principles, and organizational structure.
This regulation provides operational details, outlining the roles of the Tapera Management Agency (BP Tapera), participant registration procedures, contribution methods, and investment strategies.
This recent amendment significantly expands the program's reach. It includes private sector employees, BUMN/BUMD workers, TNI/Polri personnel, and even self-employed individuals. Additionally, it revises the contribution calculation method for freelancers.
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A dedicated public entity, Badan Pengelola Tapera (BP Tapera), manages the Tapera program. This organization acts as the custodian of all participant savings, playing a vital role in ensuring the program's success and achieving its housing goals.
To ensure responsible management and alignment with national housing priorities, BP Tapera is overseen by a Tapera Committee. This committee comprises distinguished individuals representing key stakeholders within the housing sector:
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This diverse composition ensures that BP Tapera's decisions consider various perspectives and align with the broader national housing agenda.
| Benefit | Description |
|---|---|
| Housing Financing Assistance |
|
| Retirement Savings | Tapera savings can be withdrawn upon retirement age and the end of Tapera membership. |
| Facilitating Housing Sector Digitization | The emergence of the Housing Information Centre (HIC) digital platform aims to provide participants with comprehensive housing information. |
Enrolling in the Tapera program comes with a multitude of benefits for participants. Here's a breakdown of the key advantages:
Tapera contributions open doors to various housing financing options, including:
Tapera contributions become a form of long-term savings. These funds can be withdrawn upon retirement or when the membership ends.
The Housing Information Centre (HIC) 's digital platform offers participants easy access to comprehensive housing information, assisting participants in making informed decisions about their housing options.
The Tapera program mandates individual participation, as outlined in Government Regulation No. 25 of 2020 and Law No. 4 of 2016. Here are the eligibility criteria:
The Tapera membership can terminate under specific circumstances:
| Category | Contribution Rate |
|---|---|
| Workers | 3% (0.5% paid by employer, 2.5% paid by employee) |
| Freelancers | 3% (paid entirely by freelancer) |
The amount participants contribute to Tapera depends on their employment status:
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This information is based on the latest amendments introduced by Government Regulation No. 21 of 2024.
The following are the conditions for Tapera participants who wish to apply for home financing using their Tapera contributions:
If you're a Tapera participant who meets the eligibility criteria for housing financing, you can apply for financing options tailored to your needs. Here's a step-by-step guide to the Tapera housing financing process:
Before diving in, make sure you're registered with Tapera. Head to their website to confirm your membership status and update any necessary information.
Tapera offers three programs:
Once you've chosen your financing option and gathered the required documents (ID card, Tapera membership ID, salary slip, tax return, bank statement), visit a Tapera participating bank to submit your application.
The new Tapera regulation introduces mandatory monthly deductions for employee housing funds, which can complicate payroll calculations.
Ascentium Indonesia, with over a decade of experience, offers comprehensive payroll consulting services to simplify your business's Tapera compliance.
Our experts can ensure your payroll system seamlessly integrates Tapera deductions, guaranteeing accurate and efficient processing.