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KPR Subsidi dengan DP 5 Persen: Cicilannya Berapa?

Simulasi bila kamu membayar DP lebih besar dari minimum 1% — cicilan dan total bunga turun.

Hasil. Cicilan KPR Subsidi per Bulan pada skenario ini adalah Rp1.040.750. Artinya, cicilan Rp1.040.750/bulan selama 240 bulan. Penghasilanmu Rp6.000.000 ≤ batas MBR Rp8.500.000 dan harga rumah ≤ plafon zona — kamu LOLOS cek kelayakan dasar FLPP. Total bunga Rp92.080.048. Ingat: cek kelayakan final tetap di bank & pastikan belum punya rumah / belum pernah terima subsidi.

Cara hitung. KPR Sejahtera FLPP adalah KPR bersubsidi pemerintah via BP Tapera: bunga dikunci tetap 5% per tahun sampai lunas, tenor maksimal 20 tahun, dan uang muka mulai 1%. Angka default kalkulator ini adalah angka resmi terbaru per 19 Oktober 2026 — tapi semua bisa kamu ubah sendiri: plafon harga rumah ikut Kepmen PUPR 689/KPTS/M/2023 (masih berlaku karena revisinya belum terbit) dan batas penghasilan ikut Permen PKP 5/2025. Selain menghitung cicilan, kalkulator juga mengecek dua syarat kuantitatif: harga rumah tidak boleh melebihi plafon zonamu dan penghasilanmu tidak boleh melebihi batas MBR zonamu. Rincian: Harga rumah Rp166.000.000; Uang muka (DP) Rp8.300.000; Pokok pinjaman Rp157.700.000.

Aturan. Perhitungan di atas mengacu pada Kepmen PUPR No. 689/KPTS/M/2023 (plafon harga rumah subsidi & SBUM Rp4 jt), Permen PKP No. 5/2025 (batas penghasilan MBR, berlaku 22 Apr 2025), skema KPR Sejahtera FLPP BP Tapera (bunga 5% tetap, tenor maks 20 th, DP min 1%) (terverifikasi 2026-10-19). Coba ubah angkanya di kalkulator Kalkulator KPR Subsidi FLPP.

Data terverifikasi. Dasar hukum: Kepmen PUPR No. 689/KPTS/M/2023 (plafon harga rumah subsidi & SBUM Rp4 jt), Permen PKP No. 5/2025 (batas penghasilan MBR, berlaku 22 Apr 2025), skema KPR Sejahtera FLPP BP Tapera (bunga 5% tetap, tenor maks 20 th, DP min 1%) · diverifikasi 2026-10-19

Masukkan Data Kamu

Zona Harga RumahPlafon harga jual maksimal rumah subsidi per wilayah (Kepmen PUPR 689/KPTS/M/2023, berlaku 2024 hingga ada revisi).
Harga Rumah (Rp)
Terbilang: seratus enam puluh enam juta rupiahHarga rumah subsidi yang kamu incar — harus ≤ plafon zona di atas agar bisa ikut FLPP.
Uang Muka / DP (%) (%)FLPP mewajibkan uang muka minimal 1% dari harga rumah. SBUM (Subsidi Bantuan Uang Muka) Rp4 juta dari pemerintah bisa menutup seluruh/kekurangan DP.
Tenor (tahun)
Bunga Tetap (%/tahun) (%)Angka resmi FLPP: 5% tetap hingga lunas (bukan promo). Bisa kamu ubah bila kebijakannya berubah.
Zona Penghasilan MBRZona batas penghasilan MBR per Permen PKP 5/2025 (berlaku 22 Apr 2025). Catatan: pembagian wilayahnya berbeda dengan zona harga rumah di atas.
Penghasilan per Bulan (Rp)
Terbilang: enam juta rupiahPenghasilanmu per bulan untuk dicek terhadap batas MBR zonamu.

Contoh Cepat

Cicilan KPR Subsidi per Bulan

Rp1.040.750

Cicilan Rp1.040.750/bulan selama 240 bulan. Penghasilanmu Rp6.000.000 ≤ batas MBR Rp8.500.000 dan harga rumah ≤ plafon zona — kamu LOLOS cek kelayakan dasar FLPP. Total bunga Rp92.080.048. Ingat: cek kelayakan final tetap di bank & pastikan belum punya rumah / belum pernah terima subsidi.

💡 Fakta Mengejutkan dari Angkamu

💡 Dengan bunga FLPP 5% tetap, total bunga yang kamu bayar selama tenor hanya Rp92.080.048 (58,4% dari pokok pinjamanmu). Kamu lolos cek kelayakan dasar FLPP.

Hasil Hitungan

+ Harga rumah

Rp166.000.000

− Uang muka (DP)

Rp8.300.000

Pokok pinjaman

Rp157.700.000

+ Total bunga (5,00% fixed, 240 bln)

Rp92.080.048

Total pembayaran

Rp249.780.048

SBUM (bantuan uang muka pemerintah)

Rp4.000.000

Plafon harga zona ini

Rp166.000.000

Batas penghasilan MBR (belum kawin)

Rp8.500.000

Harga rumahUang muka (DP)Total bunga (5,00% fix
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Lihat Cara Hitung & Aturan Resminya

Pokok pinjaman = Harga rumah − Uang muka (min. 1% dari harga) Cicilan Anuitas = P × r(1+r)^n / ((1+r)^n − 1), r = bunga tahunan ÷ 12, n = tenor (bulan) Total bunga = Cicilan × n − Pokok Layak FLPP jika: harga rumah ≤ plafon zona (Kepmen PUPR 689/2023) DAN penghasilan ≤ batas MBR zona (Permen PKP 5/2025)

  1. Plafon harga rumah Zona 1 — Jawa (kecuali Jabodetabek) & Sumatera (kecuali Kep. Riau, Bangka Belitung, Kep. Mentawai) = Rp166.000.000 (Kepmen PUPR 689/KPTS/M/2023, berlaku hingga ada revisi)
  2. Uang muka 5,00% × Rp166.000.000 = Rp8.300.000 (min. 1%; bisa dibantu SBUM Rp4.000.000)
  3. Pokok pinjaman = Rp166.000.000 − Rp8.300.000 = Rp157.700.000
  4. Cicilan anuitas = Rp157.700.000 × 5,00%/th ÷ 12 selama 240 bln = Rp1.040.750/bln (bunga tetap hingga lunas)
  5. Total bunga = Rp1.040.750 × 240 − Rp157.700.000 = Rp92.080.048
  6. Batas penghasilan MBR Zona 1 MBR — Jawa (kecuali Jabodetabek), Sumatera, NTT, NTB (belum kawin) = Rp8.500.000/bln (Permen PKP 5/2025)
Asumsi & Batasan
  • Angka default diverifikasi per 19 Oktober 2026: bunga tetap 5%, tenor maks 20 tahun, DP min 1%, plafon harga per Kepmen PUPR 689/KPTS/M/2023, batas penghasilan per Permen PKP 5/2025. Nilai berubah seiring kebijakan — cek ketentuan terbaru di tapera.go.id.
  • Zonasi harga rumah (Kepmen 689/2023, 5 kelompok harga) dan zonasi penghasilan MBR (Permen PKP 5/2025, 4 zona) memakai pembagian wilayah yang berbeda — kalkulator menghitung keduanya terpisah sesuai pilihanmu.
  • Cicilan hanya memuat pokok + bunga. Program membebaskan premi asuransi, PPN, BPHTB, PBG, dan SHM bagi MBR — bila bank membebankan biaya lain, simulasikan terpisah.
  • Cek kelayakan di sini hanya dua syarat kuantitatif. Syarat lain tetap menentukan di bank: rumah pertama, belum pernah menerima subsidi perumahan pemerintah, usia 21–65 tahun saat lunas, dan lolos analisis kredit bank.
Jadwal Bulanan (240 baris)
BulanCicilanBungaPokokSisa
11.040.750657.083383.667157.316.333
21.040.750655.485385.265156.931.068
31.040.750653.879386.871156.544.197
41.040.750652.267388.483156.155.714
51.040.750650.649390.101155.765.613
61.040.750649.023391.727155.373.886
71.040.750647.391393.359154.980.527
81.040.750645.752394.998154.585.529
91.040.750644.106396.644154.188.885
101.040.750642.454398.297153.790.589
111.040.750640.794399.956153.390.633
121.040.750639.128401.623152.989.010
131.040.750637.454403.296152.585.714
141.040.750635.774404.976152.180.738
151.040.750634.086406.664151.774.074
161.040.750632.392408.358151.365.716
171.040.750630.690410.060150.955.656
181.040.750628.982411.768150.543.888
191.040.750627.266413.484150.130.404
201.040.750625.543415.207149.715.197
211.040.750623.813416.937149.298.260
221.040.750622.076418.674148.879.586
231.040.750620.332420.419148.459.167
241.040.750618.580422.170148.036.997
251.040.750616.821423.929147.613.067
261.040.750615.054425.696147.187.372
271.040.750613.281427.469146.759.902
281.040.750611.500429.251146.330.652
291.040.750609.711431.039145.899.612
301.040.750607.915432.835145.466.777
311.040.750606.112434.639145.032.139
321.040.750604.301436.450144.595.689
331.040.750602.482438.268144.157.421
341.040.750600.656440.094143.717.327
351.040.750598.822441.928143.275.399
361.040.750596.981443.769142.831.629
371.040.750595.132445.618142.386.011
381.040.750593.275447.475141.938.536
391.040.750591.411449.340141.489.196
401.040.750589.538451.212141.037.984
411.040.750587.658453.092140.584.892
421.040.750585.770454.980140.129.912
431.040.750583.875456.876139.673.037
441.040.750581.971458.779139.214.258
451.040.750580.059460.691138.753.567
461.040.750578.140462.610138.290.956
471.040.750576.212464.538137.826.419
481.040.750574.277466.473137.359.945
491.040.750572.333468.417136.891.528
501.040.750570.381470.369136.421.159
511.040.750568.421472.329135.948.830
521.040.750566.453474.297135.474.534
531.040.750564.477476.273134.998.261
541.040.750562.493478.257134.520.003
551.040.750560.500480.250134.039.753
561.040.750558.499482.251133.557.502
571.040.750556.490484.261133.073.241
581.040.750554.472486.278132.586.963
591.040.750552.446488.305132.098.658
601.040.750550.411490.339131.608.319
611.040.750548.368492.382131.115.937
621.040.750546.316494.434130.621.503
631.040.750544.256496.494130.125.009
641.040.750542.188498.563129.626.447
651.040.750540.110500.640129.125.807
661.040.750538.024502.726128.623.081
671.040.750535.930504.821128.118.260
681.040.750533.826506.924127.611.336
691.040.750531.714509.036127.102.300
701.040.750529.593511.157126.591.142
711.040.750527.463513.287126.077.855
721.040.750525.324515.426125.562.429
731.040.750523.177517.573125.044.856
741.040.750521.020519.730124.525.126
751.040.750518.855521.896124.003.230
761.040.750516.680524.070123.479.160
771.040.750514.497526.254122.952.907
781.040.750512.304528.446122.424.460
791.040.750510.102530.648121.893.812
801.040.750507.891532.859121.360.953
811.040.750505.671535.080120.825.873
821.040.750503.441537.309120.288.564
831.040.750501.202539.548119.749.016
841.040.750498.954541.796119.207.220
851.040.750496.697544.053118.663.167
861.040.750494.430546.320118.116.846
871.040.750492.154548.597117.568.250
881.040.750489.868550.882117.017.367
891.040.750487.572553.178116.464.189
901.040.750485.267555.483115.908.707
911.040.750482.953557.797115.350.909
921.040.750480.629560.121114.790.788
931.040.750478.295562.455114.228.333
941.040.750475.951564.799113.663.534
951.040.750473.598567.152113.096.382
961.040.750471.235569.515112.526.866
971.040.750468.862571.888111.954.978
981.040.750466.479574.271111.380.707
991.040.750464.086576.664110.804.043
1001.040.750461.684579.067110.224.976
1011.040.750459.271581.479109.643.497
1021.040.750456.848583.902109.059.595
1031.040.750454.415586.335108.473.260
1041.040.750451.972588.778107.884.481
1051.040.750449.519591.232107.293.250
1061.040.750447.055593.695106.699.555
1071.040.750444.581596.169106.103.386
1081.040.750442.097598.653105.504.733
1091.040.750439.603601.147104.903.586
1101.040.750437.098603.652104.299.934
1111.040.750434.583606.167103.693.767
1121.040.750432.057608.693103.085.074
1131.040.750429.521611.229102.473.845
1141.040.750426.974613.776101.860.069
1151.040.750424.417616.333101.243.736
1161.040.750421.849618.901100.624.835
1171.040.750419.270621.480100.003.355
1181.040.750416.681624.07099.379.285
1191.040.750414.080626.67098.752.615
1201.040.750411.469629.28198.123.334
1211.040.750408.847631.90397.491.431
1221.040.750406.214634.53696.856.895
1231.040.750403.570637.18096.219.716
1241.040.750400.915639.83595.579.881
1251.040.750398.250642.50194.937.380
1261.040.750395.572645.17894.292.202
1271.040.750392.884647.86693.644.336
1281.040.750390.185650.56592.993.771
1291.040.750387.474653.27692.340.495
1301.040.750384.752655.99891.684.497
1311.040.750382.019658.73191.025.765
1321.040.750379.274661.47690.364.289
1331.040.750376.518664.23289.700.057
1341.040.750373.750667.00089.033.057
1351.040.750370.971669.77988.363.278
1361.040.750368.180672.57087.690.708
1371.040.750365.378675.37287.015.335
1381.040.750362.564678.18686.337.149
1391.040.750359.738681.01285.656.137
1401.040.750356.901683.85084.972.287
1411.040.750354.051686.69984.285.588
1421.040.750351.190689.56083.596.028
1431.040.750348.317692.43382.903.595
1441.040.750345.432695.31982.208.276
1451.040.750342.534698.21681.510.060
1461.040.750339.625701.12580.808.936
1471.040.750336.704704.04680.104.889
1481.040.750333.770706.98079.397.909
1491.040.750330.825709.92678.687.984
1501.040.750327.867712.88477.975.100
1511.040.750324.896715.85477.259.246
1521.040.750321.914718.83776.540.410
1531.040.750318.918721.83275.818.578
1541.040.750315.911724.83975.093.738
1551.040.750312.891727.86074.365.879
1561.040.750309.858730.89273.634.986
1571.040.750306.812733.93872.901.049
1581.040.750303.754736.99672.164.053
1591.040.750300.684740.06771.423.986
1601.040.750297.600743.15070.680.836
1611.040.750294.503746.24769.934.589
1621.040.750291.394749.35669.185.233
1631.040.750288.272752.47868.432.755
1641.040.750285.136755.61467.677.141
1651.040.750281.988758.76266.918.379
1661.040.750278.827761.92466.156.455
1671.040.750275.652765.09865.391.357
1681.040.750272.464768.28664.623.071
1691.040.750269.263771.48763.851.583
1701.040.750266.048774.70263.076.881
1711.040.750262.820777.93062.298.951
1721.040.750259.579781.17161.517.780
1731.040.750256.324784.42660.733.354
1741.040.750253.056787.69559.945.660
1751.040.750249.774790.97759.154.683
1761.040.750246.478794.27258.360.411
1771.040.750243.168797.58257.562.829
1781.040.750239.845800.90556.761.924
1791.040.750236.508804.24255.957.681
1801.040.750233.157807.59355.150.088
1811.040.750229.792810.95854.339.130
1821.040.750226.413814.33753.524.793
1831.040.750223.020817.73052.707.063
1841.040.750219.613821.13751.885.925
1851.040.750216.191824.55951.061.366
1861.040.750212.756827.99550.233.372
1871.040.750209.306831.44449.401.927
1881.040.750205.841834.90948.567.019
1891.040.750202.363838.38847.728.631
1901.040.750198.869841.88146.886.750
1911.040.750195.361845.38946.041.361
1921.040.750191.839848.91145.192.450
1931.040.750188.302852.44844.340.002
1941.040.750184.750856.00043.484.002
1951.040.750181.183859.56742.624.435
1961.040.750177.602863.14841.761.286
1971.040.750174.005866.74540.894.541
1981.040.750170.394870.35640.024.185
1991.040.750166.767873.98339.150.202
2001.040.750163.126877.62438.272.578
2011.040.750159.469881.28137.391.297
2021.040.750155.797884.95336.506.344
2031.040.750152.110888.64035.617.703
2041.040.750148.407892.34334.725.360
2051.040.750144.689896.06133.829.299
2061.040.750140.955899.79532.929.504
2071.040.750137.206903.54432.025.960
2081.040.750133.442907.30931.118.652
2091.040.750129.661911.08930.207.563
2101.040.750125.865914.88529.292.677
2111.040.750122.053918.69728.373.980
2121.040.750118.225922.52527.451.455
2131.040.750114.381926.36926.525.085
2141.040.750110.521930.22925.594.856
2151.040.750106.645934.10524.660.751
2161.040.750102.753937.99723.722.754
2171.040.75098.845941.90522.780.849
2181.040.75094.920945.83021.835.019
2191.040.75090.979949.77120.885.248
2201.040.75087.022953.72819.931.520
2211.040.75083.048957.70218.973.817
2221.040.75079.058961.69318.012.125
2231.040.75075.051965.70017.046.425
2241.040.75071.027969.72316.076.702
2251.040.75066.986973.76415.102.938
2261.040.75062.929977.82114.125.116
2271.040.75058.855981.89613.143.221
2281.040.75054.763985.98712.157.234
2291.040.75050.655990.09511.167.139
2301.040.75046.530994.22010.172.919
2311.040.75042.387998.3639.174.556
2321.040.75038.2271.002.5238.172.033
2331.040.75034.0501.006.7007.165.333
2341.040.75029.8561.010.8956.154.438
2351.040.75025.6431.015.1075.139.331
2361.040.75021.4141.019.3364.119.995
2371.040.75017.1671.023.5843.096.411
2381.040.75012.9021.027.8482.068.563
2391.040.7508.6191.032.1311.036.432
2401.040.7504.3181.036.4320

Pertanyaan Umum

Apakah bunga 5% FLPP benar-benar tetap sampai lunas?

Ya. Berbeda dengan KPR komersial yang hanya promo fixed 1–5 tahun lalu floating, bunga FLPP dikunci 5% per tahun selama seluruh tenor hingga 20 tahun. Bila kamu mengubah angka bunganya di kalkulator, hasilnya adalah simulasi dengan asumsi baru.

Apa itu SBUM Rp4 juta?

Subsidi Bantuan Uang Muka — bantuan pemerintah Rp4 juta untuk pembelian rumah tapak yang bisa menutup seluruh atau kekurangan uang muka. Contoh: rumah Rp166 juta, DP 1% = Rp1,66 juta — SBUM Rp4 juta sudah menutupnya sepenuhnya.

Kenapa zona harga dan zona penghasilan dibedakan?

Keduanya diatur regulasi berbeda: plafon harga rumah oleh Kepmen PUPR 689/KPTS/M/2023 (5 kelompok harga) dan batas penghasilan MBR oleh Permen PKP 5/2025 (4 zona) — dan pembagian wilayahnya tidak identik (mis. NTT/NTB masuk Zona 1 MBR tapi kelompok harga Rp185 juta). Kalkulator ini menghitung keduanya terpisah; isi sesuai lokasi rumah dan domisilimu.

Fasilitas bebas biaya apa saja yang didapat MBR?

Bebas premi asuransi dan bebas PPN, plus pembebasan BPHTB, PBG (izin mendirikan bangunan), dan SHM — bagian dari kebijakan 'karpet merah' MBR yang disampaikan Komisioner BP Tapera.

Siapa yang tidak bisa ikut FLPP?

Yang sudah memiliki rumah, pemohon/pasangan yang pernah menerima subsidi perumahan pemerintah, penghasilan di atas batas MBR zonanya, atau tidak lolos analisis kredit bank. FLPP juga hanya untuk rumah pertama.

Kapan angka-angka ini bisa berubah?

Angka default diverifikasi per 19 Oktober 2026. Plafon harga berlaku sejak 2024 hingga Kementerian PKP menerbitkan revisi (sudah disiapkan, belum terbit); batas penghasilan MBR berlaku sejak 22 April 2025. Sebelum mengajukan, cek ketentuan terbaru di tapera.go.id.

Cicilan KPR Subsidi per Bulan

Rp1.040.750

Lihat Rincian ↓