JAKARTA, KOMPAS.com – State Savings Bank Persero Tbk (BTN) plans to launch a pilot project loans (mortgages) micro-January 2017.
The government has to make sure the rules on micro mortgages will be out for the year.
Housing Finance Ministry Director General of Public Works and Public Housing (PUPR) Maurin Sitorus told Kompas.com, it is currently still draw up the rules for the right target to informal workers.
“Again prepared and will be next year, “he said in a brief message on Tuesday (15/12/2016).
There is also the basis of the Micro mortgages made is the difficulty of access to informal workers such as meatball sellers, fishermen, merchants street vendors, farmers and others to get a mortgage Housing Finance Liquidity Facility (FLPP) which is intended only for people with income of $ 4 million to $ 7 million.
“mortgage Micro is specifically for MBR in the informal sector who are not bankable , Distribution later by finance companies that do not seribet bank requirements, “added Maurin.
Later, go Maurin, in mortgage Micro, there are elements of empowerment of a finance company that later MBR informal can manage credit and could fit the purpose.
Apart from the targets, the difference KPR micro and mortgage FLPP other is of the magnitude of house price and time period.
According to Maurin price of his house will be lower than the price of home mortgage FLPP or will be under USD 133 million and with a term shorter than 20 years.
There are no mortgages Micro BTN to be launched next year is for the house at a cost of Rp 25 million to Rp 30 million and also has a target like that proclaimed DG Housing finance Ministry PUPR.
“Around Rp 25 million to Rp 30 million for his wake. Total cost not know yet, because it does not include the land, “explained Director of BTN Maryono.
In addition to BTN, some banks are recognized Maurin has shown a willingness to cooperate with the government to implement mortgage this micro, among which are BRI and Bank Jabar.
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