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Tiga Strategi Pembiayaan Pemerintah Memperluas Akses Rumah Layak Huni dan Terjangkau

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Tiga Strategi Pembiayaan Pemerintah Memperluas Akses Rumah Layak Huni dan Terjangkau

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Jakarta_KlikNTT.Com– Pemerintah terus memperluas akses masyarakat terhadap rumah layak huni dan terjangkau diantaranya dengan meningkatkan daya beli masyarakat melalui dukungan pembiayaan perumahan. Ada tiga strategi pembiayaan Pemerintah yakni pelaksanaan Tabungan Perumahan Rakyat (Tapera), Bantuan Pembiayaan Perumahan, dan mengajak partisipasi swasta dalam penyediaan rumah bagi Masyarakat Berpenghasilan Rendah (MBR) melalui skema Kerjasama Pemerintah dan Badan Usaha (KPBU).

Dirjen Pembiayaan Infrastruktur Pekerjaan Umum dan Perumahan (PIPUP) Kementerian Pekerjaan Umum Eko Djoeli Heripoerwanto mengatakan Badan Pengelola Tapera (BP Tapera) yang terdiri dari komisioner dan deputi komisioner sudah terbentuk di bulan Maret 2019. Untuk operasionalnya, BP Tapera saat ini tengah menyiapkan kebijakan umum dan strategis, rencana kerja dan anggaran tahunan yang akan diajukan dan mendapat persetujuan dari Komite Tapera terdiri dari Menteri PUPR selaku Ketua Komite dengan anggota terdiri dari Menteri Keuangan, Menteri Tenaga Kerja, Ketua Otoritas Jasa Keuangan dan pihak independen

“Nantinya semua jenis bantuan pembiayaan terkait perumahan akan dilaksanakan oleh BP Tapera. Masa transisi untuk ASN, karena salah satu tulang punggung Tapera adalah Bapertarum maka pelaksanaan Tapera bagi ASN diberi waktu dua tahun, sementara untuk non-ASN adalah tujuh tahun,” kata Eko Heri di Jakarta.

Terkait proyek KPBU perumahan, Eko Heri menyampaikan bahwa saat ini tengah dilakukan studi pendahuluan terhadap 4 proyek KPBU yakni KPBU Pasar Sekanak Palembang (tanah Pemda), KPBU Gang Waru Pontianak (tanah Pemda), KPBU Paldam Bandung (tanah pengembang), dan KPBU Cisaranten (tanah Kementerian PUPR).

Pemerintah juga memberikan subsidi rumah bagi MBR melalui program Fasilitas Likuiditas Pembiayaan Perumahan (FLPP), Subsidi Selisih Bunga (SSB), Subsidi Bantuan Uang Muka (SBUM) dan Bantuan Pembiayaan Perumahan Berbasis Perumahan (BP2BT).

Pada tahun 2019, anggaran FLPP sebesar Rp 7,1 triliun untuk 68.858 unit rumah, SSB sebesar Rp 3,4 triliun untuk 100.000 unit, SBUM sebesar Rp 948 miliar untuk 237.000 unit, dan BP2BT dengan anggaran Rp 453 miliar dimana sudah tersedia di DIPA 2019 sebesar Rp 10 miliar untuk 14.000 unit.

Dirjen PIPUP Eko Heri mengatakan dalam program subsidi rumah, disamping kuantitas rumah, Pemerintah juga mendorong pengembang dan perbankan dan stakeholder lainnya mengutamakan kualitas rumah subsidi.

Kementerian PUPR meningkatkan perlindungan konsumen MBR dengan melakukan pengecekan kualitas rumah yang dibangun pengembang apakah sudah memenuhi spesifikasi teknis yang telah ditetapkan sebelum subsidi diberikan. Selain itu, dilakukan pendataan pengembang dan asosiasi pengembang perumahan melalui Sistem Informasi Registrasi Pengembang (Sireng). Hingga Agustus 2019, jumlah pengembang perumahan yang terdaftar di aplikasi Sireng mencapai 11.500 pengembang dan 18 asosiasi pengembang.

“Sosialisasi, pendampingan, dialog mengingatkan kembali, kita tempuh dengan cara mengundang asosiasi pengembang perumahan agar memiliki pemahaman yang sama mengenai standar spesifikasi teknis rumah subsidi,” jelasnya.

Peran Pemerintah Daerah dalam mendukung rumah subsidi berkualitas juga diperlukan. “Kita ketahui bersama bahwa yang memberikan izin mendirikan bangunan (IMB) rumah adalag Pemda. Di IMB ada spesifikasi teknis yang disetujui oleh Pemda dan kemudian penerbitan SLF (Sertifikat Laik Fungsi),” pungkas Eko Heri. (*)

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