Investor Presentaiton
Adjustment of LTV Ratio for Property Loans, FTV Ratio for Property
Financing, and Down Payments on Automotive Loans/Financing*
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
issued by
refers
a nationally
to
the
internationally recognized environmental institution.
or
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
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 Akkad
Murabahah & Akad
Istishna
1
Landed House
Type >70
Type >21-70
Type $21
Apartment
based on akad
MMQ & akad IMBT
Property Financing
based on akad MMQ.
& akad IMBT
Ist Ishna
22
1
22
1
2
23
1
2
23
90%
95%
95%
90%
90% 70%
95%
85%
75%
90%
80%
9.0%
80%
Type >70
90%
95%
90%
80%
70%
95%
85%
75%
Type >21-70
95%
95%
90%
80%
90%
80%
Type 521
95%
95%
90%
80%
50%
80%
Office House
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 5. Adjusted Down Payment on Automotive Loan or Financing
Table 4. Current Down Payment on Automotive Loan or Financing
Current: Down Payment
Adjusted Down Payment
Meets NPL/NPF Does Not Meet
Criteria
Does Not Meet NPL/MPF
Meets NPL/NPF Criteria
KPLANPF Criteria
Criteria
2-Wheeled
20%
25%
2-Wheeled
15%
20%
3-Wheeled or more (non productive)
25%
30%
3-Wheeled or more (non productive
15%
25%
3-Wheeled or more productive
20%
3-Wheeled or mare (productive
10%
15%
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