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.
ii.
Additional incentive of 5% on green vehicles from the down payment presented in Table 5;
The down payment incentives considers the gross NPL/NPF ratios and gross NPL/NPF ratios on automotive loans/financing;
iii. 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
Down Payment on Green Automotive Loan
or Financing
Meets NPL/NPF Criteria
10%
Does Not Meet NPL/NPF
Criteria
15%
20%
BHINNEKA
2-Wheeled
3-Wheeled or more (non productivel
3-Wheeled or more (productive]
10%
5%
10%
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
*This adjustment will be effective from December 2nd, 2019
Source: Bank Indonesia
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