Bank Indonesia made a figure that with the implementation of 30 percent down payment increment, customers will put off buying house within the next seven to 10 months.
“There will be a delay for probably around 7-10 months. However, there won’t be any significant decline in house purchase,” said Deputy Director of the Directorate of Research and Regulation of Bank Indonesia, Yunita Resmi Sari, on Wednesday.
Yunita said that given the 30% raise, banks are expected to provide an attractive offer to customers in interest rates and services.
“With the increase of down payment, banks will get qualified customers. Therefore, banks are expected to be able to provide agreeable strategies for the customers, such as by providing competitive interest rates,” she said.
Yunita also explained that almost 77 percent of the public is known to have taken home loans (KPR) by using banking credit financing services, while the rest is paid in cash.
To date, based on BI’s data as of January 2012, home loans have grown by 43.04 percent while auto loans have grown by 29.33 percent. With the total credit of 23.72 percent, from the view of NPL (non-performing loans), home loans have reached 2.12 percent and auto loans of 1.00 percent.
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