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.
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