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Filianingsih Hendarta, Deputy Governor Head of the Department of Makroprudential Policy BI said the new policy adopted by the central bank is a policy that grounds the interests of the general public.
The goal is to increase the purchasing power of the community houses and develop the housing sector. In addition, this growth sector contributes to the economy of the country as a whole.
"This macroprudential sees big, not seen one to one interest, if there is a government that has interests (some like in Jakarta), it comes true," he said. says in BI Complex, Monday (2/7).
In addition, he said that the exemption of the VTL has occurred since 2012, when the national central bank did not set the down payment ratio to banks that will provide mortgage facilities to customers . That is, this policy has actually existed in the past, not because of the Anies-Sandi initiative.
"It's been going on since 2012, so it's not now," she insisted.
Nevertheless, in 2012-2014, BI deliberately imposed a tightening of macro-prudential policy by adopting the LTV policy.
The reason, in this period, the price of homes and mortgages has risen high. As a result, BI needs to curb, which begins to impose a down payment limit. It is only later, starting in 2015-2016, that BI will redefine the LTV policy.
"If this is booming, we will strengthen the policy, but when it is not as high as now, we will release it," he said.
Earlier, Jakarta Governor Anies Baswedan admitted that his initiative was being implemented by BI. The supply of KPR without DP is a product of "sale" with Vice Governor Sandiaga Uno since the election campaign of Governor (Pilgub) of DKI Jakarta last year.
"DP zero percent, we are grateful that what is the initiative in Jakarta is now also implemented at the national level," said Anies.
Anies evaluates the liberation of homeownership the DP is a policy the society needs. According to him, prospective home buyers are usually able to make monthly payments, but are often required to pay the deposit of tens of millions of rupees.
Deputy Governor of DKI Jakarta Sandiaga Uno also claims Bank Indonesia (19659012) (DP) for Housing Loans
Sandi called BI's decision to release LTV after the initiation of the provincial government of DKI Jakarta released DP DP Zero House program
"So alhamdulillah the initiative what DKI did, forwarded, may be a positive response from BI issued a settlement that will relax, "said Sandi during his meeting at Parliament DKI Jakarta on Monday (2/7).
With this relaxation, Sandi said, to participate in the program Rumah DP Zero Rupiah
Sandi said that currently there is Bank DKI is willing to participate in the construction of 250 thousand units of homes up to the end of the year. in 2022.
N He can not confirm when the citizens of Jakarta can order units of the program. Sandi even threw him to the chief of the Technical Implementation Unit (DPU) DP Dzikran Kurniawan DPD
"Later asked the same head of his UPT because his UPT head again in the control, it will give a detailed report ". ] Previously, BI released the down payment on housing with a Mortgage Loan Plan (KPR). The release of the down payment is contained in the new BI policy entered into force on August 1, 2018.
"LTV relaxation is a stimulant to increase demand for home buying," said the Governor of BI, Perry Warjiyo. ]
However, the down payment for second and third home purchases is still applied, which is 10-20%, except for the house type of 21 square meters. (lav)
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