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2026-11-04T09:09:50

Subsidised Housing Stock at 24,868 Units as FLPP Reaches 197,048 of 360,000

印尼保障房现房库存24,868套，FLPP补贴房贷发放197,048套，距36万套目标仍远

Ready-to-occupy subsidised housing stock stood at 24,868 units on 30 October 2026, while about 162,952 FLPP subsidised mortgages are still needed to meet this year's target. By 2 November 2026, BP Tapera had recorded 197,048 units, or 54.72% of the 360,000-unit target. The gap means developers must speed up construction, and demand for subsidised-housing materials should stay high into early 2027.

Key Facts

FLPP status in early November 2026

BP Tapera data cited by CNBC Indonesia show FLPP disbursement at 194,360 units worth Rp24.22 trillion on 30 October 2026, rising by 2,688 units to 197,048 by 2 November. As of 30 October, almost all were landed houses (194,335 units), while apartment mortgages totalled just 25 units. Bank BTN was the largest lender with 85,341 units, followed by Bank Syariah Nasional with 48,286 and BRI with 26,182. West Java led with 44,295 units, followed by Central Java with 17,906 and South Sulawesi with 16,538.

Subsidised housing stock falls short of the remaining target

On 30 October, the 24,868 ready units comprised 22,833 landed houses and 2,035 apartment units. Adding 2,797 landed houses still under construction, recorded supply totals 27,665 units, far below the remaining target of almost 163,000. On the demand side, BP Tapera counted 36,780 units at various stages, including 14,169 that had passed subsidy checking and 3,655 already at the credit-signing stage.

To catch up, the government plans mass signings of 71,000 units on 17 December and 30,000 units on 21 December 2026. BP Tapera is optimistic because October disbursement of 29,352 units was about 22% higher than a year earlier.

Outlook for 2027

The 2027 draft budget financial note sets aside Rp31 trillion of FLPP funds for 344,800 subsidised homes, slightly below the 2026 target. The indicative budget of the Ministry of Housing and Settlement Areas (PKP) for 2027 rises 8.08% to Rp11.77 trillion, so the subsidised-housing project pipeline continues next year.

What it means for building-material supply

Subsidised landed houses generally use standard materials: cement, bricks or lightweight blocks, reinforcing bar, light steel roof trusses, roof tiles, floor tiles, frames and doors, paint, electrical and sanitary installations. If developers accelerate construction ahead of the December signings, demand for these materials in West Java, Central Java and South Sulawesi could rise quickly. Developers should lock in prices and delivery schedules early, and building stores near housing estates can stock fast-moving items.

homeX, a one-stop building materials and furniture platform in Indonesia with showroom, warehousing and delivery, can help developers prepare subsidised-housing material packages in a single order.

Subsidised housing stock: related articles and products

FAQ

How many FLPP mortgages had been disbursed by early November 2026? BP Tapera recorded 197,048 units worth Rp24.55 trillion as of 2 November 2026, or 54.72% of the 360,000 target.

How much ready subsidised housing stock is there? As of 30 October 2026 there were 24,868 ready units, plus 2,797 landed houses under construction.

When are the mass mortgage signings? They are planned for 71,000 units on 17 December and 30,000 units on 21 December 2026.

For building and renovation material needs, reach the homeX team on WhatsApp +62 821 1818 998, by email at homex9998@gmail.com or through our contact page.

Sources: CNBC Indonesia: ready stock of 24,000 units; CNBC Indonesia: FLPP disbursement; Investortrust