[ad_1]
Bisnis.com, JAKARTA – Bank PT Negara Indonesia (Persero) Tbk. (19459012) down payment (DP) to zero percent
Director of Retail BNI Tambok P.S. Simanjuntak said that his party is currently BNI is considering the profile of customers who will be in compliance with the program.
"Especially for the 0% DP program prepares certain criteria, because of course BNI wants the credit to grow but of waking quality." Criteria, among others, for first-time homebuyers, Promoters the most important have a clear and guaranteed payment source, etc., "he told Business, Tuesday (3/7/2018).
Vice President of BNI Consumer Credit Egos Mahar added that the criteria for mortgagors and developers who will receive this 0% facility will be announced on July 16, with the widespread application of conventional banks.
In addition, the easing of the LTV is still unpredictable. According to him, there are many other variables to consider, such as the risk of increasing the ratio of unproductive loans and the capacity of borrowers and potential developers.
Egos added that the current position of NPL KPR % at the end of May 2018. Meanwhile, BNI's NPL was generally recorded at 2.3% in the first quarter of 2018. It said that the company target unproductive loans to reach less than 2% by the end of the year.
Bank Indonesia (BI) said last week that she wanted to relax on the LTV regulation relating to home loans.
The new settlement is a relaxation from the previous one that sets the limit of the down payment to be prepared by mortgage customers for the house type of more than 70 square meters.
In the new rules, BI gives the bank the freedom to for the first residential mortgage for all segments of housing, including whether the bank wishes to offer mortgage programs with down payment amounts or installment of [0,0009013] (DP) of zero percent. With the record, the bank wishing to offer the program has proved cautious in credit management, as evidenced by the NPL (19459012) non-performing loan / NPL) gross ratio for the real estate loan segment less than 5% and the overall net NPL ratio did not exceed 5%
[ad_2]
Source link
