Investor Presentaiton
Adjustment of LTV Ratio for Property Loans, FTV Ratio for Property
Financing, and Down Payments on Automotive Loans/Financing*
Main Regulatory Points
4. Adjustment of Down Payments on Green Automotive Loans/Financing
a. The green vehicles criteria refers to the Presidential Regulation No. 55 of 2019 concerning Battery Electric Vehicles.
b. The down payments on green automotive loans or green automotive financing is adjusted as follows:
i.
Additional incentive of 5% on green vehicles from the down payment presented in Table 5;
ii. The down payment incentives considers the gross NPL/NPF ratios and gross NPL/NPF ratios on automotive
loans/financing;
¡¡¡. The down payment regulation for green automotive loans or green automotive financing in points a and b is as follows:
Table 6. Down Payment on Green Automotive Loan or Financing
2-Wheeled
Down Payment on Green Automotive Loan
or Financing
Does Not Meet NPL/NPF
Meets NPL/NPF Criteria
10%
10%
5%
Criteria
15%
20%
10%
3-Wheeled or more (non productive)
3-Wheeled or more (productive)
Note: Adjustments of the LTV ratio for property loans, FTV ratio for property financing and down payments on automotive loans or financing will
be effective from December 2nd, 2019
Source: Bank Indonesia *This adjustment will be effective from December 2nd, 2019
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