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Indonesian bank frees banks to make their own down payment for first mortgages
REPUBLIKA.CO.ID, JAKARTA – PT Central Asian Bank Tbk (BCA) still claims it pays the down payment (DP ) zero percent to its customers. It follows the Bank Indonesia (BI) policy [Loan to Value] (LTV) which allows the bank to determine its own face for the first home ownership loan (KPR).
President Jahja Setiaatmadja Director BCA, the release of KPR advance is not easy. The reason, the company must think carefully about the rules. " seen from customer credit responsibility then his location where, if there are problems, we can immediately sell not .including the ability the client (19459007) effort first and direct payment, that if not can pay, "Jahja told reporters in Jakarta, Monday (9/7) afternoon [19659005] In addition, according to him the new LTV rules to be published in August have not had a significant impact on the growth of KPR BCA. The reason, because coupled with the expected increase in loan rates.
"The LTV can help, it's just that we do not dare to push with the current interest," he said.
For information, in May 2018, BCA's credit growth was 13.37%. This is up from 429.12 trillion Rp during the same period last year to 486.5 trillion Rp.
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