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The advance must remain.
REPUBLIKA.CO.ID, JAKARTA – The Bank of Indonesia (BI) has eased the down payment (down payment / DP) of the Home Ownership Credit (KPR). By releasing the banks to provide the amount of credit score Loan to Value (LTV).
This means that banks are not bound by the rules of advance payment provision by customers. Even the bank can give zero percent DP based on the badessment of bank risk management.
Property Observer who is also Director of Research and Consulting Savils Indonesia's Anton Sitorus rate, the regulation is inconsistent. Plus, if there is a release of DP
"The down payment is in my opinion still there, so do not indiscriminately decrease the LTV ratio as this time," said Anton when contacted ] Republika Friday, (29/6)
Previously, BI had set up large LTV credits or purchase of a first house covering an area of more than 70 square meters, either 85% of the total price of the house. Thus, the down payment at the expense of the borrower is 15%.
"It was too exaggerated, now that it's published, I think too much response," he said.
He even claimed to be uncertain, this will have a significant impact on the growth of the property. "Instead, be careful, not to be used by speculators for the release of the down payment," Anton said.
The policy is expected to come into effect on August 1st. There are three aspects of the policy, the first relaxation of the LTV ratios for home loans and the FTV (Financing to Value) ratio for real estate financing. Second, reduce the amount of credit or financing facilities through the pivot mechanism. Then, third, adjustment of the arrangement of the steps and the amount of the disbursement of credit or financing. BI badured, the easing will not endanger the economy of the state.
Meanwhile, the finance director of Tabungan Negara Bank (BTN) Iman Nugroho Soeko said the policy is good. Reason can encourage KPR's growth. As is known, BTN is a bank that focuses its activities on real estate, especially the distribution of both subsidized and non-subsidized KPR mortgage loans. This year, the company aims for a growth of unsubsidized KPR to reach 24%
"This should be good for the growth of mortgages, especially large plazas or expensive homes," he said.
According to him, politics can also increase the real estate sector. "It's in line with the goals that BI wants to achieve," says Faith.
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