{"id":307653,"date":"2016-09-01T09:49:23","date_gmt":"2016-09-01T02:49:23","guid":{"rendered":"http:\/\/vibiznews.com\/?p=307653"},"modified":"2016-09-01T09:49:23","modified_gmt":"2016-09-01T02:49:23","slug":"fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/","title":{"rendered":"Fasilitas Kredit Properti Terbaru dari Relaksasi LTV"},"content":{"rendered":"<p style=\"text-align: justify;\">Bank Indonesia (BI) telah merelaksasi kebijakan LTV dan FTV dengan\u00a0 kebijakan baru yang nantinya\u00a0 akan meningkatkan bisnis sektor properti dan juga perbankan. Namun tidak hanya untuk pelaku bisnis saja keuntungan didapat dari kebijakan yang baru tersebut juga didapat oleh\u00a0 konsumen, selain mendapatkan kemudahan dalam KPR juga mendapatkan fasilitas baru.<\/p>\n<p style=\"text-align: justify;\">Kebijakan LTV yang baru dalam PBI (Peraturan Bank Indonesia) Nomor 18\/16\/PBI\/2016 tentang Rasio Loan to Value (LTV) untuk Kredit Properti, Rasio Financing to Value untuk Pembiayaan Properti, dan Uang Muka untuk Kredit atau Pembiayaan Kendaraan Bermotor (PBI LTV\/FTV) yang\u00a0 berlaku sejak 29 Agustus 2016 memangkas uang muka KPR.<\/p>\n<p style=\"text-align: justify;\">Uang muka atau <em>Down Payment<\/em> (DP) KPR diturunkan menjadi 15% untuk rumah pertama dari 20% sebelumnya. Demikian juga untuk rumah kedua\u00a0 ketiga juga turun masing-masing menjadi 20% dan 25% setelah sebelumnya 40% dan 45%.<\/p>\n<p style=\"text-align: justify;\">Selain uang muka KPR dipangkas, ada beberapa fasilitas baru yang didapat konsumen atas kebijakan LTV yang baru tersebut seperti:<\/p>\n<ul style=\"text-align: justify;\">\n<li>Adanya penambahan kredit atau <em>top up <\/em>yang bisa diperlakukan sebagai kredit dengan fasilitas yang sama sepanjang kredit tersebut memiliki kualitas lancar. Jika konsumen ingin mengambil fasilitas kredit untuk rumah kedua, bisa dianggap menjadi fasilitas pertama jika kredit sebelumnya mempunyai kualitas yang lancar. Tapi jika tidak lancar akan berlaku sebagai aturan kredit baru.<\/li>\n<li>Jika pembangunan rumah belum 100 persen tuntas, konsumen bisa menikmati fasilitas KPR secara inden untuk pembelian rumah kedua dan ketiga dimana pencairan fasilitas pinjaman bank bisa dilakukan pada secara bertahap.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Dengan kebijakan yang baru ini, konsumen dimudahkan untuk memiliki rumah dengan fasilitas kredit yang ringan, apalagi jika ingin memiliki rumah lebih dari 2 baik untuk investasi ataupun untuk rumah tinggal.<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 8pt;\"><em>Lens Hu\/VBN\/VMN\/Analyst Vibiz Research Center<\/em><\/span><br \/>\n<span style=\"font-size: 8pt;\"> <em> Editor : Asido Situmorang<\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bank Indonesia (BI) telah merelaksasi kebijakan LTV dan FTV dengan\u00a0 kebijakan baru yang nantinya\u00a0 akan meningkatkan bisnis sektor properti dan juga perbankan. Namun tidak hanya untuk pelaku bisnis saja keuntungan didapat dari kebijakan yang baru tersebut juga didapat oleh\u00a0 konsumen, selain mendapatkan kemudahan dalam KPR juga mendapatkan fasilitas baru. Kebijakan LTV yang baru dalam PBI [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":205743,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[29,55],"tags":[],"class_list":["post-307653","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economy-business","category-property"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fasilitas Kredit Properti Terbaru dari Relaksasi LTV - Vibiznews.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fasilitas Kredit Properti Terbaru dari Relaksasi LTV - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"Bank Indonesia (BI) telah merelaksasi kebijakan LTV dan FTV dengan\u00a0 kebijakan baru yang nantinya\u00a0 akan meningkatkan bisnis sektor properti dan juga perbankan. Namun tidak hanya untuk pelaku bisnis saja keuntungan didapat dari kebijakan yang baru tersebut juga didapat oleh\u00a0 konsumen, selain mendapatkan kemudahan dalam KPR juga mendapatkan fasilitas baru. Kebijakan LTV yang baru dalam PBI [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/\" \/>\n<meta property=\"og:site_name\" content=\"Vibiznews.com\" \/>\n<meta property=\"article:published_time\" content=\"2016-09-01T02:49:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/vibiznews.com\/wp-content\/uploads\/2015\/07\/Jakarta-3-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"3000\" \/>\n\t<meta property=\"og:image:height\" content=\"1996\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin123\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin123\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/\",\"url\":\"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/\",\"name\":\"Fasilitas Kredit Properti Terbaru dari Relaksasi LTV - Vibiznews.com\",\"isPartOf\":{\"@id\":\"https:\/\/vibiznews.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/vibiznews.com\/wp-content\/uploads\/2015\/07\/Jakarta-3-1.jpg\",\"datePublished\":\"2016-09-01T02:49:23+00:00\",\"dateModified\":\"2016-09-01T02:49:23+00:00\",\"author\":{\"@id\":\"https:\/\/vibiznews.com\/#\/schema\/person\/b879b3d34b20c38bcba961cc86314e3f\"},\"breadcrumb\":{\"@id\":\"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/#primaryimage\",\"url\":\"https:\/\/vibiznews.com\/wp-content\/uploads\/2015\/07\/Jakarta-3-1.jpg\",\"contentUrl\":\"https:\/\/vibiznews.com\/wp-content\/uploads\/2015\/07\/Jakarta-3-1.jpg\",\"width\":3000,\"height\":1996,\"caption\":\"Jakarta-3\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/vibiznews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Fasilitas Kredit Properti Terbaru dari Relaksasi LTV\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/vibiznews.com\/#website\",\"url\":\"https:\/\/vibiznews.com\/\",\"name\":\"Vibiznews.com\",\"description\":\"Berita Bisnis | Berita Komoditi | Berita Saham\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/vibiznews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/vibiznews.com\/#\/schema\/person\/b879b3d34b20c38bcba961cc86314e3f\",\"name\":\"admin123\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/vibiznews.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/26405da67cb08a4ebb629f9df149553f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/26405da67cb08a4ebb629f9df149553f?s=96&d=mm&r=g\",\"caption\":\"admin123\"},\"url\":\"https:\/\/vibiznews.com\/index.php\/author\/admin123\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Fasilitas Kredit Properti Terbaru dari Relaksasi LTV - Vibiznews.com","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/","og_locale":"en_US","og_type":"article","og_title":"Fasilitas Kredit Properti Terbaru dari Relaksasi LTV - Vibiznews.com","og_description":"Bank Indonesia (BI) telah merelaksasi kebijakan LTV dan FTV dengan\u00a0 kebijakan baru yang nantinya\u00a0 akan meningkatkan bisnis sektor properti dan juga perbankan. Namun tidak hanya untuk pelaku bisnis saja keuntungan didapat dari kebijakan yang baru tersebut juga didapat oleh\u00a0 konsumen, selain mendapatkan kemudahan dalam KPR juga mendapatkan fasilitas baru. Kebijakan LTV yang baru dalam PBI [&hellip;]","og_url":"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/","og_site_name":"Vibiznews.com","article_published_time":"2016-09-01T02:49:23+00:00","og_image":[{"width":3000,"height":1996,"url":"https:\/\/vibiznews.com\/wp-content\/uploads\/2015\/07\/Jakarta-3-1.jpg","type":"image\/jpeg"}],"author":"admin123","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin123","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/","url":"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/","name":"Fasilitas Kredit Properti Terbaru dari Relaksasi LTV - Vibiznews.com","isPartOf":{"@id":"https:\/\/vibiznews.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/#primaryimage"},"image":{"@id":"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/#primaryimage"},"thumbnailUrl":"https:\/\/vibiznews.com\/wp-content\/uploads\/2015\/07\/Jakarta-3-1.jpg","datePublished":"2016-09-01T02:49:23+00:00","dateModified":"2016-09-01T02:49:23+00:00","author":{"@id":"https:\/\/vibiznews.com\/#\/schema\/person\/b879b3d34b20c38bcba961cc86314e3f"},"breadcrumb":{"@id":"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/#primaryimage","url":"https:\/\/vibiznews.com\/wp-content\/uploads\/2015\/07\/Jakarta-3-1.jpg","contentUrl":"https:\/\/vibiznews.com\/wp-content\/uploads\/2015\/07\/Jakarta-3-1.jpg","width":3000,"height":1996,"caption":"Jakarta-3"},{"@type":"BreadcrumbList","@id":"https:\/\/vibiznews.com\/index.php\/2016\/09\/01\/fasilitas-kredit-properti-terbaru-dari-relaksasi-ltv\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/vibiznews.com\/"},{"@type":"ListItem","position":2,"name":"Fasilitas Kredit Properti Terbaru dari Relaksasi LTV"}]},{"@type":"WebSite","@id":"https:\/\/vibiznews.com\/#website","url":"https:\/\/vibiznews.com\/","name":"Vibiznews.com","description":"Berita Bisnis | Berita Komoditi | Berita Saham","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/vibiznews.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/vibiznews.com\/#\/schema\/person\/b879b3d34b20c38bcba961cc86314e3f","name":"admin123","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/vibiznews.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/26405da67cb08a4ebb629f9df149553f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/26405da67cb08a4ebb629f9df149553f?s=96&d=mm&r=g","caption":"admin123"},"url":"https:\/\/vibiznews.com\/index.php\/author\/admin123\/"}]}},"_links":{"self":[{"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/posts\/307653","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/comments?post=307653"}],"version-history":[{"count":0,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/posts\/307653\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/media\/205743"}],"wp:attachment":[{"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/media?parent=307653"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/categories?post=307653"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/tags?post=307653"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}