Bank Indonesia Governor Perry Warjiyo said in June 2018, it is the possibility of issuing a policy easing value bank loans against the price of the asset (loan to value/LTV) for the purchase of housing.
But he has not been able to ascertain in detail the easing of rules such as will house LTV finalized at the BI Governor Board meeting, held November 27-28 2018.
Perry just a little leaking that the ease of filing home loan will come from the side of a pre-payment mechanism if the community wants to pay for a House that is still in the stage of the booking (indent), and also a period of easing payments the loan.
"In detail, we will speak after the RDG, " he said, Friday (22/6/2018).
Policy easing LTV home is one of the ammunition BI to drive economic growth because the instruments of monetary policy will be optimized to maintain the stability of the economy, including the exchange rate of the rupiah.
Perry believes the easing rules LTV will help meet the needs of the community in housing. At this time, according to him, the demand for home ownership, especially among the people of 36-45 year-old workers is quite high. However, the price of an asset of the House is also soaring every year.
Therefore, easing stimulus financing needed to promote purchasing power and the economy as a whole.
"For that reason, we loosen so that the community can meet the needs of papannya, " said.
The Central Bank also glanced at the diversification of investment instruments in the conservative banking sector to property with ease this housing loan ratio. Perry believes the easing LTV will trigger new investment in the property sector.
"So, we see it will have a major impact on the domestic economy, " he said.
LTV is the portion of credit or the amount of financing that can be given to the applicant's bank loans with collateral in the form of property or vehicles. Currently, in General, the LTV to house the first tread type above 70 m2 recorded 85%, so the cash advance charged to borrowers is 15%.
The provisions that apply appropriate PBI No. 18/16/PBI/2016 of the ratio of Loan to Value for a Property, the ratio of Credit Financing to Value Property for financing, and cash advance for credit or financing of motor vehicles.
Sunday, July 8, 2018
Saturday, July 7, 2018
Rupiah Still Survive in Rp 14.179
The exchange rate of the Rupiah against the United States Dollar (us) still survive in level of Rp 14.100. The Rupiah hasn't made it out of the pressure the US dollar.
Alerts you of Bloomberg Dollar Index, Wednesday (27/6/2018) at 10.27 GMT, the Rupiah weakened exchange spot trading on 20 points or 0.14% to as low as Rp 14.179 per USD.
While Yahoofinance noted, the Rupiah was at the level of Rp 14.173 per USD. In the radar of Yahoofinance, the Rupiah is in range of Rp 14.123 per USD to Idr 14.180 per USD.
Finance Minister Sri Mulyani explained that the weakening of the rupiah should be viewed from a benchmark against other countries as well as against the U.S. dollar alone.
"Because every day there's a trigger, is today President of Trump said this, then his policy toward the PRC (people's Republic of China). So this will continue to be a dynamic that will we have to hold responsivity, not daily but we take care of the so-called medium term length, "said Sri Mulyani after the President called Joko Widodo at the Presidential Palace in Jakarta, Monday (25/6/2018).
Minister of finance said that during this year the implementation of the STATE BUDGET can walk well and keep economic growth momentum will be maintained.
"We will see a great many facets of it, so we don't respond to every day, but we are doing what is called monitoring and evaluation of the reaction altogether, " said.
Alerts you of Bloomberg Dollar Index, Wednesday (27/6/2018) at 10.27 GMT, the Rupiah weakened exchange spot trading on 20 points or 0.14% to as low as Rp 14.179 per USD.
While Yahoofinance noted, the Rupiah was at the level of Rp 14.173 per USD. In the radar of Yahoofinance, the Rupiah is in range of Rp 14.123 per USD to Idr 14.180 per USD.
Finance Minister Sri Mulyani explained that the weakening of the rupiah should be viewed from a benchmark against other countries as well as against the U.S. dollar alone.
"Because every day there's a trigger, is today President of Trump said this, then his policy toward the PRC (people's Republic of China). So this will continue to be a dynamic that will we have to hold responsivity, not daily but we take care of the so-called medium term length, "said Sri Mulyani after the President called Joko Widodo at the Presidential Palace in Jakarta, Monday (25/6/2018).
Minister of finance said that during this year the implementation of the STATE BUDGET can walk well and keep economic growth momentum will be maintained.
"We will see a great many facets of it, so we don't respond to every day, but we are doing what is called monitoring and evaluation of the reaction altogether, " said.
There is a special athlete, MORTGAGE Tenornya to 30 years
PT Bank Tabungan Negara (Persero) Tbk prepare Mortgages (MORTGAGES) BTN Special athletes who make it easy for the sportspeople included national athletes who Excel to have a home. As for the breakthrough, the company as a form of support for the Organization of the 2018 Asian Games, as well as to give appreciation to Indonesia which athletes compete in the 2018 Asian Games in particular, and national athletes on generally. KPR program BTN Special Athletes is also intended to support the company's successful Program One million homes.
President Director Bank BTN by Mahesh M says KPR BTN Special Athlete was born out of the company's high spirits to add to the spirit of the national athletes in achieving good results at the Asian Games in 2018. However, he added, the product is also fresh to provide ease for other national athletes overall to be able to own a home. By Mahesh M, according to the national athletes need to be supported so that they can have a decent home with easy, inexpensive, and fast.
Through this new products, advanced by Mahesh M, also became the step Bank BTN in providing stimulus to the athletes who compete in the 2018 Asian Games to win and bring the good name of Indonesia. "They're athletes need support and we can only join the raising of the athletes in the country. This product is expected to be able to answer the needs of the athletes to have a decent dwelling-place, so that it can continue to bring the nation's good name, "said by Mahesh M, Wednesday (30/5/2018).
There are many benefits that can be obtained from the national athletes perform the latest products the Bank BTN. In between, i.e. cheap interest rates ranging from 5%. Bank BTN also offer promo in the form of a down payment (down payment/DP) ranging from 5%. Then, through a special athlete, BTN MORTGAGE debtors can also have the residence without the cost of administration, provision, and appraisal.
The Athletes Special BTN MORTGAGES are also designed with some advantage over other home ownership loan types. Through this type of MORTGAGE, the athletes can mengangsur up to 30 years. As is known, the product ACTS in general the longest timed just 20 years. "We're also providing a credit period of up to 30 years for national athletes. This is one of the advantages we are meant as a form of support to Indonesia for the athletes how they kesejahteraannya also assured of their residential needs, satisfy "explained by Mahesh M added.
In the meantime, until April 2018, Bank BTN continued to record growth in MORTGAGES. Per April 2018, KPR BBTN recorded growing 22.03% on an annual basis (year-on-year/yoy) of Rp112,3 trillion in April 2017 be Rp137,05 trillion. There is nothing such growth is above the average increase in MORTGAGES/KPA the banking industry nationwide. The Financial Services Authority data record MORTGAGES/national banking industry in KPA only rose by 11.9% yoy as of March 2018.
By Mahesh m believes the company will be able to achieve the target growth this year on a MORTGAGE with a variety of product innovation and digital transformation. Moreover, people still choose Indonesia as the main option MORTGAGE to buy a dwelling. "Look at the numbers need a home that is still high and many innovations that we do to facilitate the needs of residential MORTGAGE is optimistic, we will grow over 20% this year, " said by Mahesh M.
As for Bank Indonesia, based on the quarterly I/2018 shows as much as 75.8% consumers in Indonesia are still using MORTGAGES as the main facilities in the purchase of residential property. Then as much as 14.93% consumers in choosing buying a house in cash and the rest in stages namely 9.27% own a home with a cash payment scheme. "There are still wide open and we are optimistic it can meet the needs that the readiness has done with Bank BTN," stated by Mahesh M.
President Director Bank BTN by Mahesh M says KPR BTN Special Athlete was born out of the company's high spirits to add to the spirit of the national athletes in achieving good results at the Asian Games in 2018. However, he added, the product is also fresh to provide ease for other national athletes overall to be able to own a home. By Mahesh M, according to the national athletes need to be supported so that they can have a decent home with easy, inexpensive, and fast.
Through this new products, advanced by Mahesh M, also became the step Bank BTN in providing stimulus to the athletes who compete in the 2018 Asian Games to win and bring the good name of Indonesia. "They're athletes need support and we can only join the raising of the athletes in the country. This product is expected to be able to answer the needs of the athletes to have a decent dwelling-place, so that it can continue to bring the nation's good name, "said by Mahesh M, Wednesday (30/5/2018).
There are many benefits that can be obtained from the national athletes perform the latest products the Bank BTN. In between, i.e. cheap interest rates ranging from 5%. Bank BTN also offer promo in the form of a down payment (down payment/DP) ranging from 5%. Then, through a special athlete, BTN MORTGAGE debtors can also have the residence without the cost of administration, provision, and appraisal.
The Athletes Special BTN MORTGAGES are also designed with some advantage over other home ownership loan types. Through this type of MORTGAGE, the athletes can mengangsur up to 30 years. As is known, the product ACTS in general the longest timed just 20 years. "We're also providing a credit period of up to 30 years for national athletes. This is one of the advantages we are meant as a form of support to Indonesia for the athletes how they kesejahteraannya also assured of their residential needs, satisfy "explained by Mahesh M added.
In the meantime, until April 2018, Bank BTN continued to record growth in MORTGAGES. Per April 2018, KPR BBTN recorded growing 22.03% on an annual basis (year-on-year/yoy) of Rp112,3 trillion in April 2017 be Rp137,05 trillion. There is nothing such growth is above the average increase in MORTGAGES/KPA the banking industry nationwide. The Financial Services Authority data record MORTGAGES/national banking industry in KPA only rose by 11.9% yoy as of March 2018.
By Mahesh m believes the company will be able to achieve the target growth this year on a MORTGAGE with a variety of product innovation and digital transformation. Moreover, people still choose Indonesia as the main option MORTGAGE to buy a dwelling. "Look at the numbers need a home that is still high and many innovations that we do to facilitate the needs of residential MORTGAGE is optimistic, we will grow over 20% this year, " said by Mahesh M.
As for Bank Indonesia, based on the quarterly I/2018 shows as much as 75.8% consumers in Indonesia are still using MORTGAGES as the main facilities in the purchase of residential property. Then as much as 14.93% consumers in choosing buying a house in cash and the rest in stages namely 9.27% own a home with a cash payment scheme. "There are still wide open and we are optimistic it can meet the needs that the readiness has done with Bank BTN," stated by Mahesh M.
Strengthened 28 points, JCI Took Pause in Level 5,854
Composite stock price index (IHSG) still survive in the positive zone. On pause the session Indonesia's stock market, I was only able to rose 28.77 points or 0.49% to 5,854.42.
Lunch this Wednesday (27/6/2018), there are 204 stocks strengthened, 137 stocks weakened, and 112 stocks stagnate. On the trade session I, trade transactions reached Rp3,50 trillion from 4.72 billion shares traded.
LQ45 index rose 2.98 points or 0.3% to 913.63, the Jakarta Islamic Index (JII) climbed 1.42 points or 0.2% to IDX30, the index 659.71 climbed 2.32 points or 0.5% to the 495.89 and MNC36 index rose 1.53 points or 0.5% to 323.98.
The majority of the sectors movers moving JCI strengthened with the mining sector led the increase up to 1.5%. While the various sectors of the industry, down 0.6%.
As for stocks that move in the ranks of the top gainers on the stock, among others, became their Commander Insanlestari PT Tbk (TRIL) rose 33.33% or to Rp17 Rp68, PT Golden Plantation Tbk (GOLL) ride Rp7 or 13.73% to Rp58, Magna and PT Investama Tbk self catering (MGNA) ride the Rp6 or 12% to Rp56.
Meanwhile, stocks that move in the ranks of the top losers, among other Steadfast Marine PT Tbk (KPAL) down Rp34 or 7.23% to Rp436, Sidomulyo Aligned PT Tbk (SDMU) was down 5.71% or Rp12 to Rp198, Indocement Tunggal Prakasa and PT Tbk (IT) down Rp750 or 5.24% to Rp 13.550.
Lunch this Wednesday (27/6/2018), there are 204 stocks strengthened, 137 stocks weakened, and 112 stocks stagnate. On the trade session I, trade transactions reached Rp3,50 trillion from 4.72 billion shares traded.
LQ45 index rose 2.98 points or 0.3% to 913.63, the Jakarta Islamic Index (JII) climbed 1.42 points or 0.2% to IDX30, the index 659.71 climbed 2.32 points or 0.5% to the 495.89 and MNC36 index rose 1.53 points or 0.5% to 323.98.
The majority of the sectors movers moving JCI strengthened with the mining sector led the increase up to 1.5%. While the various sectors of the industry, down 0.6%.
As for stocks that move in the ranks of the top gainers on the stock, among others, became their Commander Insanlestari PT Tbk (TRIL) rose 33.33% or to Rp17 Rp68, PT Golden Plantation Tbk (GOLL) ride Rp7 or 13.73% to Rp58, Magna and PT Investama Tbk self catering (MGNA) ride the Rp6 or 12% to Rp56.
Meanwhile, stocks that move in the ranks of the top losers, among other Steadfast Marine PT Tbk (KPAL) down Rp34 or 7.23% to Rp436, Sidomulyo Aligned PT Tbk (SDMU) was down 5.71% or Rp12 to Rp198, Indocement Tunggal Prakasa and PT Tbk (IT) down Rp750 or 5.24% to Rp 13.550.
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