JAKARTA, KOMPAS.com – Actually, there are no regulations that prohibit banks to provide financing for the property of foreign nationals. After all, the bank is still considering the risks.
Currently, although the rules for foreign property has been issued through the Government Regulation No. 103 of 2015 and the Regulation of the Minister of Agrarian and Spatial Planning / Head of National Land Agency (ATR / BPN) No. 29 in 2016, the banks are still considering a number of risks to finance foreign property.
“Banks do not necessarily when the rules say so, we immediately receive a guarantee,” said Director of the Department of macroprudential policy Bank Indonesia (BI), Yati Kurniati, the Forum Group Discussion (FGD) “Assurance Policy Implementation of Property Ownership by Foreigners”, at the Raffles Hotel, Jakarta, Monday (10/31/2016).
Yati said the central bank had held a focus group with the banks to find out what the problem is for them. Once formulated, the first thing at issue is a matter of right to use.
In theory, according to Yati, Hak Pakai it is equivalent to a Right to Build (HGB) with a period of 80 years from the homeowner. Then, the question arises in banking circles is how the process of transferring the collateral.
“Is there a lesson again if he (the stranger) is not settled within a year, then he must release ownership? How is the process of transferring? How long? how much does it cost? that is the concentration of banking, “said Yati.
beyond that, he said, banks are very supportive properties to foreigners. Because the potential benefits when foreigners buy property is to encourage housing that is now flagging and help drive the economy in macro.
“This is from the fiscal is also a plus that of tax revenue if foreigners allowed on the property,” said Yati.
government issued Regulation No. 103 of 2015, which contains about Ownership House Live or occupancy by Stranger domiciled in Indonesia.
Later, the government also issued Candy Agricultural and spatial Planning / Head of National Land Agency Number 29, 2016 set the procedure for the granting, release, or Transfer of the Right to Housing Shelter or occupancy by Stranger domiciled in Indonesia.
Under this rule, Hak Pakai will be given when people buy a property that already has a status property rights or HGB. Notary is a party to a deed of transfer of rights, and official auction a deed the minutes of the auction on Ownership and HGB.
Right of Use for the sole houses or flats new, was given 30 years, which can be extended for 20 years and renewed 30 year. for a period of 30 years.
properti.kompas.com
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