{"id":473919,"date":"2021-03-02T18:10:10","date_gmt":"2021-03-02T11:10:10","guid":{"rendered":"https:\/\/www.vibiznews.com\/?p=473919"},"modified":"2021-03-02T18:10:10","modified_gmt":"2021-03-02T11:10:10","slug":"bi-terbitkan-ketentuan-pelonggaran-ltv-ftv-dan-uang-muka","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2021\/03\/02\/bi-terbitkan-ketentuan-pelonggaran-ltv-ftv-dan-uang-muka\/","title":{"rendered":"BI Terbitkan Ketentuan Pelonggaran LTV\/FTV Dan Uang Muka"},"content":{"rendered":"<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Dalam membantu Pemulihan Ekonomi Nasional \u00a0Pemerintah bekerja sama dengan Bank Indonesia membuat kebijakan-kebijakan yang dapat memulihkan sektor manufaktur dan perumahan yang memiliki multiplier effect baik backward dan forward linkages yang kuat. Pemerintah memberikan insentif potongan Pajak Penjualan Atas Barang Mewah (PPnBM) untuk kendaraan bermotor kategori sedan dan tipe 4&#215;2 dengan kapasitas silinder sebesar 1.500cc. Serta memberikan insentif Pajak Pertambahan Nilai (PPN) untuk penyerahan rumah tapak dan rumah susun selama 6 bulan untuk masa pajak 1 Maret hingga 31 Agustus 2021.<\/p>\n<p style=\"text-align: justify;\">Hal inipun diikuti dengan langkah Bank Indonesia (BI) yang menerbitkan ketentuan pelonggaran Rasio\u00a0<em>Loan To Value\u00a0<\/em>(LTV) Untuk Kredit Properti, Rasio\u00a0<em>Financing to Value<\/em>\u00a0(FTV) untuk Pembiayaan Properti, dan Uang Muka untuk Kredit atau Pembiayaan Kendaraan Bermotor melalui Peraturan Bank Indonesia (PBI) No. 23\/2\/PBI\/2021 tentang Perubahan Ketiga atas PBI No. 20\/8\/PBI\/2018 tentang Rasio LTV Untuk Kredit Properti, Rasio FTV untuk Pembiayaan Properti, dan Uang Muka untuk Kredit atau Pembiayaan Kendaraan Bermotor (PBI LTV\/FTV dan Uang Muka). Ketentuan ini\u00a0 berlaku efektif 1 Maret 2021.<\/p>\n<p style=\"text-align: justify;\">Penyesuaian kebijakan tersebut dilakukan antara lain dengan mempertimbangkan kondisi perekonomian serta tetap memperhatikan prinsip kehati-hatian dan manajemen risiko. Kebijakan makroprudensial yang bersifat akomodatif diperlukan untuk mendorong sektor perbankan menjalankan fungsi intermediasi yang seimbang dan berkualitas, antara lain melalui penyaluran Kredit\/Pembiayaan Properti (KP\/PP) dan penyaluran Kredit\/Pembiayaan Kendaraan Bermotor (KKB\/PKB). Selain itu, kredit\/pembiayaan perbankan masih dalam proses pemulihan. Di tengah risiko kredit yang relatif masih terjaga,\u00a0 KP\/PP dan KKB\/PKB perlu diakselerasi untuk mendukung pemulihan di sektor terkait yang pada akhirnya akan mendukung kinerja perekonomian nasional.<\/p>\n<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-471171\" src=\"https:\/\/www.vibiznews.com\/wp-content\/uploads\/2021\/02\/telegramvbn2-300x176.jpg\" alt=\"\" width=\"300\" height=\"176\" srcset=\"https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/02\/telegramvbn2-300x176.jpg 300w, https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/02\/telegramvbn2-600x352.jpg 600w, https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/02\/telegramvbn2-768x451.jpg 768w, https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/02\/telegramvbn2-1024x601.jpg 1024w, https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/02\/telegramvbn2-696x408.jpg 696w, https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/02\/telegramvbn2-1068x627.jpg 1068w, https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/02\/telegramvbn2-716x420.jpg 716w, https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/02\/telegramvbn2.jpg 1558w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p style=\"text-align: justify;\">Penerbitan ketentuan ini merupakan tindak lanjut keputusan Rapat Dewan Gubernur (RDG) Bulan Februari\u00a0 2021 yang memutuskan untuk :<\/p>\n<ol style=\"text-align: justify;\">\n<li>Melonggarkan ketentuan Uang Muka KKB\/PKB menjadi paling sedikit 0% untuk semua jenis kendaraaan bermotor baru, untuk mendorong pertumbuhan kredit di sektor otomotif dengan tetap memerhatikan prinsip kehati-hatian dan manajemen risiko, berlaku efektif 1 Maret 2021 sampai dengan 31 Desember 2021.<\/li>\n<li>Melonggarkan rasio\u00a0<em>Loan to Value\/Financing to Value<\/em>(LTV\/FTV) KP\/PP menjadi paling tinggi 100% untuk semua jenis properti (rumah tapak, rumah susun, serta ruko\/rukan), bagi bank yang memenuhi kriteria\u00a0<em>Non Performing Loan\/Non Performing Financing<\/em>\u00a0 tertentu, dan menghapus ketentuan pencairan bertahap properti inden untuk mendorong pertumbuhan kredit di sektor properti dengan tetap memerhatikan prinsip kehati-hatian dan manajemen risiko, berlaku efektif 1 Maret 2021 sampai dengan 31 Desember 2021.<\/li>\n<\/ol>\n<p style=\"text-align: justify;\">Keputusan tersebut merupakan bagian langkah-langkah sinergi kebijakan Komite Stabilitas Sistem Keuangan (KSSK) dalam Paket Kebijakan Terpadu untuk Peningkatan Pembiayaan Dunia Usaha dalam rangka Percepatan Pemulihan Ekonomi.<\/p>\n<p>&nbsp;<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting <\/em><\/p>\n<p><em>Editor : Asido Situmorang<\/em><\/p>\n<p style=\"text-align: center;\">\n<p style=\"text-align: justify;\">\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Dalam membantu Pemulihan Ekonomi Nasional \u00a0Pemerintah bekerja sama dengan Bank Indonesia membuat kebijakan-kebijakan yang dapat memulihkan sektor manufaktur dan perumahan yang memiliki multiplier effect baik backward dan forward linkages yang kuat. Pemerintah memberikan insentif potongan Pajak Penjualan Atas Barang Mewah (PPnBM) untuk kendaraan bermotor kategori sedan dan tipe 4&#215;2 [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":320625,"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":[5705,11107,11109],"class_list":["post-473919","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-economy-business","tag-bi","tag-ketentuan-ltv-ftv","tag-uang-muka"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BI Terbitkan Ketentuan Pelonggaran LTV\/FTV Dan Uang Muka - 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\/2021\/03\/02\/bi-terbitkan-ketentuan-pelonggaran-ltv-ftv-dan-uang-muka\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BI Terbitkan Ketentuan Pelonggaran LTV\/FTV Dan Uang Muka - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Dalam membantu Pemulihan Ekonomi Nasional \u00a0Pemerintah bekerja sama dengan Bank Indonesia membuat kebijakan-kebijakan yang dapat memulihkan sektor manufaktur dan perumahan yang memiliki multiplier effect baik backward dan forward linkages yang kuat. 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