{"id":385495,"date":"2018-05-31T12:23:30","date_gmt":"2018-05-31T05:23:30","guid":{"rendered":"http:\/\/vibiznews.com\/?p=385495"},"modified":"2018-05-31T12:23:30","modified_gmt":"2018-05-31T05:23:30","slug":"relaksasi-ltv-apa-pengaruhnya-terhadap-kredit-macet","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2018\/05\/31\/relaksasi-ltv-apa-pengaruhnya-terhadap-kredit-macet\/","title":{"rendered":"Relaksasi LTV Apa Pengaruhnya Terhadap Kredit Macet"},"content":{"rendered":"<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 \u00a0Sesuai dengan pernyataan Perry Warjiyo, Gubernur Bank Indonesia, pada hari Rabu (30\/5) bahwa Bank Indonesia (BI) dalam waktu dekat akan mengumumkan pelonggaran aturan\u00a0<em>loan to value<\/em>\u00a0(LTV) properti. Pelonggaran ini terkait dengan penurunan rasio uang muka, relaksasi aturan inden kredit pemilikan rumah (KPR) dan juga termin pembayaran kredit.<\/p>\n<p style=\"text-align: justify;\">Gubernur BI menjanjikan relaksasi yang akan dilakukan tetap akan dalam koridor prinsip prudensial penyaluran kredit dan manajemen risiko perbankan. Dengan relaksasi LTV ini diharapkan ruang bagi bank untuk meningkatkan kredit perumahan bisa lebih longgar.<\/p>\n<p style=\"text-align: justify;\">Tentunya para bankir menyambut rencana relaksasi LTV kredit properti tersebut dengan gem bira meskipun ada risiko peningkatan kredit macet, namun hal itu sekali lagi bagaimana setiap bank mengantisipasi risiko tersebut dengan menjalankan prinsip kehati-hatian dalam menawarkan produk tersebut khususnya dalam hal mengenali kebutuhan dan profil risiko nasabahnya. Kendati tren suku bunga akan naik pasca kenaikan bunga acuan BI, namun bankir yakin risiko kredit properti akan bisa terjaga meskipun ada pelonggaran aturan LTV.<\/p>\n<p style=\"text-align: justify;\">Pada dasarnya relaksasi atau pelonggaran LTV ini\u00a0 tidak akan berisiko menaikkan NPL kredit property jika calon debitur memenuhi kriteria yang harus dipenuhi dan focus pada calon nasabah pada kriteria rumah pertama bukan untuk investasi. Segmen nasabah yang baru pertama kali membeli rumah akan sangat terbantu dengan adanya relaksasi ini.<\/p>\n<p>&nbsp;<\/p>\n<p><em>Belinda Kosasih\/Coordinating Partner of Banking Business Services\/Vibiz Consulting Group<\/em><\/p>\n<p><em>Editor : Asido Situmorang<\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews \u2013 Banking &amp; Insurance) \u2013 \u00a0Sesuai dengan pernyataan Perry Warjiyo, Gubernur Bank Indonesia, pada hari Rabu (30\/5) bahwa Bank Indonesia (BI) dalam waktu dekat akan mengumumkan pelonggaran aturan\u00a0loan to value\u00a0(LTV) properti. Pelonggaran ini terkait dengan penurunan rasio uang muka, relaksasi aturan inden kredit pemilikan rumah (KPR) dan juga termin pembayaran kredit. Gubernur BI menjanjikan [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":385419,"comment_status":"open","ping_status":"open","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":[353,29],"tags":[7393],"class_list":["post-385495","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-economy-business","tag-relaksasi-ltv-apa-pengaruhnya-terhadap-kredit-macet"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Relaksasi LTV Apa Pengaruhnya Terhadap Kredit Macet - 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\/2018\/05\/31\/relaksasi-ltv-apa-pengaruhnya-terhadap-kredit-macet\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Relaksasi LTV Apa Pengaruhnya Terhadap Kredit Macet - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"(Vibiznews \u2013 Banking &amp; Insurance) \u2013 \u00a0Sesuai dengan pernyataan Perry Warjiyo, Gubernur Bank Indonesia, pada hari Rabu (30\/5) bahwa Bank Indonesia (BI) dalam waktu dekat akan mengumumkan pelonggaran aturan\u00a0loan to value\u00a0(LTV) properti. 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