Micro mortgage scheme Unlike the House Governmental

JAKARTA, KOMPAS.com – Various policies are made to meet the housing needs of low-income communities (MBR), the one that will be made is a credit (mortgage) micro.

In its application, the government says it has a micro mortgages little in common with the aid of stimulants self-supporting housing (BSPs), but differs from the scheme for granting the funds.

“If the house non-right provision, now that the money was given. this means that the money from the financial side of their property. If KPR this micro not because schemes, the financing then they take some sort of credit which will be returned to use home improvement or any other, “said Planning Director finance Ministry of Public Works and Public Housing (PUPR) Eko D Heripoerwanto, in Jakarta, last week.

Compared with BSPs, continued Heri, mortgages micro riskier for low-income communities (MBR) that in fact employees of non-formal has the obligation to return the money.

in the scheme of BSPs, Ministry PUPR provides grants in form of building materials with a value varied in order to helped renovate the house unfit for habitation (RTLH).

Read: Tracing scheme Ideal and Benefits Housing assistance Governmental

“While the risk of micro mortgages in addition to having so also must have the ability to return. So that must be set later in the ministerial regulations (candy) that the target group that is not mixed with housing recipients self-help during this time, “said Heri.

As for the target of KPR micro are those who do not have a regular income and access to banking or not bankable for example, street vendors, fishermen, farmers, and others.

If not so, there will be a dispute arose between MBR-assisted BSPs with MBR who got mortgages micro. According to Heri, society is not mature enough to understand it.

“We can not someday suppose in the same village, district equal, people fighting for that one can grant assistance from home self-help and only have to restore,” said Heri.

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