Investor Presentaiton
Adjustment of LTV Ratio for Property Loans, FTV Ratio for Property
Financing, and Down Payments on Automotive Loans/Financing*
(Effective December 2nd, 2019)
Main Regulatory Points
2. Additional incentive on the LTV ratio for green property loans
and FTV ratio for green property financing.
a. The Green Property criteria
standards/certificates
Table 3. LTV/FTV Ratio for Green Property
Meets NPL/NPF Criteria
Property Loan & Property Property Financing
Financing based on Akad
Murabahah & Akad
Does Not Meet NPL/NPF Criteria
Property Financing
based on Akad
Murabahah & Akad
issued by
refers
a nationally
to
the
Istishna
1
or
Landed House
Type >70
Type 21-70
internationally recognized environmental institution.
b. Green property that is granted for the incentive has to meet
the following standards:
i.
For residential areas/buildings in certified green belt
areas, each unit in the residential area/building is
considered to meet the criteria.
ii. In case that the residential area/building is not a
certified green belt area, an evaluation will be
conducted on each unit as follows:
İ.
For buildings 2500m², the bank may conduct a
self-assessment
using the tools/applications
provided by a recognized institution.
■ For buildings > 2500m², the assessment must be
conducted by a recognized institution;
■ For new buildings constructed in an area by one
developer or group of developers, the assessment
must be conducted by a recognized institution and
the certificate must be submitted by the developer
Additional incentive for green property on LTV ratio for
property loans and FTV ratio for property financing is
5% from the LTV/FTV ratio presented in Table 2 as
follows:
Source: Bank Indonesia *This adjustment will be effective from December 2nd, 2019
Type 121
Apartment
Type 70
Type>21-70
Type $21
Office House
based on akad
MMQ & akad IMBT
22
1
22
1
90%
95%
Istishna
23
Property Financing
based on akad MMO
& akad IMBT
2
23
ד
95%
90%
80%
90%.
70%
95%
85%
75%
80%
90%
80%
90%
95%
90%
80%
70%
95% 85%
75%
95%
9596
90%
80%
90%
80%
95%
95%
90%
80%
90%
R0%
95%
95%
00%
80%
90%
80%
of Down
Payments
3. Adjustment
Loans/Financing
on
Automotive
a. Down Payments on Automotive Loans/Financing is
adjusted as follows:
i.
Relaxation on the down payments of automotive loans
automotive financing 5%-10% from current
regulations;
or
ii. The relaxation should consider the gross NPL/NPF
ratios and gross NPL/NPF ratios on automotive
loans/financing;
iii. The adjustment of down payments of automotive
loans/financing in points a and b is as follows:
Table 4. Current Down Payment on Automotive Loan or Financing
Table 5. Adjusted Down Payment on Automotive Loan or Financing
Current Down Payment
Adjusted Down Payment
Meets MPUMPF Does Not Meet
Criteria
Meets NPL/NPF Criteria
NPL NPFC
Does Not Meet MPL/NPF
Criteria
2-Wheeled
20%
25%
2-Wheeled
15%
20%
3-Wheeled or more non productive)
3-Wheeled or more aroductive]
253
30%
3-Wheeled or more (non productive)
15%
25%
20%
3-Wheeled or more productivel
10%
15%
135View entire presentation