"Islamic banks could be a solution because they are not subject to the rules of the loan to value," said Executive Director of the Department of Banking Research and Regulation of BI Mulya E. Siregar, today Tuesday, May 15, 2012.
He explained the Islamic banks have not been subject to this rule because finance portfolio in the automotive and property is still small and far away from the threat bubble.
"If the Islamic bank financing in tight gas will not bubble, so that we do not wear these rules. We do not limit the LTV and down payment as long as they remain cautious."
According to him, finance companies and developers do not have to worry about rules propert LTV on conventional bank, because it can cooperate with existing Islamic banks. (source)
"Islamic banks are actually able to accommodate movement of a conventional loan. It's a parent living in Islamic banks raise capital. Actually there is no problem because the profits keep going back to the parent."
As BI has issued rules known loan to value (LTV) of up to 70% or 30% minimum down payment for the Home Ownership Loan (mortgage). Similar rules also apply to auto loans, the down payment of 30% for monbil, 25% for the motor, and 20% of vehicle production.
The same money, the Capital Market Supervisory Agency and Financial Institution Supervisory Agency (Bapepam-LK) also spawned a similar rule for finance companies, ie 25% down payment for the car, and 20% for the motor. (Ra)
PERBANKAN SYARIAH: Bisa jadi solusi pelambatan
JAKARTA: Bank Indonesia menegaskan pelaku industir tidak perlu khawatir
secara berlebihan akibat pelambatan kredit otomotif dan properti
setelah aturan loan to value diberlakukan, karena ada solusi alternatif
seperti menyalurkan pinjaman lewat bank syariah."Bank syariah bisa jadi solusi karena mereka belum dikenakan aturan mengenai loan to value," ujar Direktur Eksekutif Departemen Penelitian dan Pengaturan Perbankan BI Mulya E. Siregar, hari ini Selasa, 15 Mei 2012.
Dia menjelaskan bank syariah belum dikenakan aturan ini karena portofolio pembiayaan di otomotif dan properti masih kecil dan jauh dari ancaman bubble.
"Kalau pembiayaan di bank syariah gas kencang tidak akan bubble, sehingga belum kami kenakan aturan tersebut. Kami tidak batasi LTV dan uang muka selama mereka tetap hati-hati."
Menurut dia, perusahaan pembiayaan dan pengembang propert tidak perlu mengkhawatirkan aturan LTV di bank konvensional, karena bisa menjalin kerja sama dengan bank syariah yang ada.
"Bank syariah sebenarnya mampu untuk menampung perpindahan kredit dari konvensional. Itu kan tinggal induknya menambah modal di bank syariah. Sebenarnya tidak ada masalah karena keuntungannya tetap akan kembali ke induk."
Seperti diketahui BI telah mengeluarkan aturan loan to value (LTV) maksimal 70% atau uang muka minimal 30% untuk Kredit Pemilikan Rumah (KPR). Aturan serupa juga diberlakukan untuk kredit otomotif, yakni uang muka 30% untuk monbil, 25% untuk motor, dan 20% kendaraan produksi.
Setali tiga uang, Badan Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam-LK) juga menelurkan aturan serupa bagi perusahaan pembiayaan, yakni uang muka 25% untuk mobil, dan 20% untuk motor. (ra)
Source: JAKARTA: Bank Indonesia confirms industir players need not worry excessively due to slowdown in auto loans and property after the loan to value rules apply, because there are alternative solutions such as loans by Islamic banks. "Islamic banks could be a solution because they are not subject to the rules of the loan to value," said Executive Director of the Department of Banking Research and Regulation of BI Mulya E. Siregar, today Tuesday, May 15, 2012. He explained the Islamic banks have not been subject to this rule because finance portfolio in the automotive and property is still small and far away from the threat bubble. "If the Islamic bank financing in tight gas will not bubble, so that we do not wear these rules. We do not limit the LTV and down payment as long as they remain cautious." According to him, finance companies and developers do not have to worry about rules propert LTV on conventional bank, because it can cooperate with existing Islamic banks. "Islamic banks are actually able to accommodate movement of a conventional loan. It's a parent living in Islamic banks raise capital. Actually there is no problem because the profits keep going back to the parent." As BI has issued rules known loan to value (LTV) of up to 70% or 30% minimum down payment for the Home Ownership Loan (mortgage). Similar rules also apply to auto loans, the down payment of 30% for monbil, 25% for the motor, and 20% of vehicle production. The same money, the Capital Market Supervisory Agency and Financial Institution Supervisory Agency (Bapepam-LK) also spawned a similar rule for finance companies, ie 25% down payment for the car, and 20% for the motor. (Ra) - May 15, 2012 - google translate
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