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BI Resmikan Program Kredit Mobil dan Motor Gak Pakai DP Uzone.id - Pelonggaran uang muka alias down payment (DP) untuk kendaraan bermotor sudah disahkan Bank Indonesia (BI). Kebijakan ini berlaku pada Maret 2021.
Ketentuan ini tertuang dalam Peraturan Bank Indonesia (PBI) No. 23/2/PBI/2021 terkait Perubahan Ketiga atas PBI No. 20/8/PBI/2018 tentang Rasio LTV Untuk Kredit Properti, Rasio FTV untuk Pembiayaan Properti, dan Uang Muka untuk Kredit atau Pembiayaan Kendaraan Bermotor (PBI LTV/FTV dan Uang Muka).
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Relaksasi tersebut bertujuan untuk menggairahkan minat dan meningkatkan daya beli masyarakat di tengah pandemi virus corona alias Covid-19.
Kebijakan makroprudensial yang bersifat akomodatif saat ini diperlukan untuk mendorong sektor perbankan menjalankan fungsi intermediasi yang seimbang dan berkualitas.
Antara lain, melalui penyaluran Kredit/Pembiayaan Properti (KP/PP) dan penyaluran Kredit/Pembiayaan Kendaraan Bermotor (KKB/PKB).
Makin menggiurkan, khususnya untuk mobil karena kebijakan ini dilaksanakan beriringan dengan pengurangan tarif PPnBM.
Meski begitu, gak semua pihak bisa menerima insentif DP nol persen. Terdapat persyaratan bagi perbankan atau perusahaan pembiayaan agar bisa mengeluarkannya, yakni;
1. Rasio kredit macet untuk total kredit secara bruto kurang dari 5 persen. 2. Rasio kredit macet dari KP/PP secara bruto kurang dari 5 persen. 3. Bagi Bank yang memenuhi persyaratan rasio kredit macer, maka batasan rasio LTV/FTV untuk KP/PP menjadi paling tinggi 100 persen untuk seluruh jenis dan tipe properti serta seluruh fasilitas KP/PP. 4. Pemberian KP/PP, wajib memperhatikan prinsip kehati-hatian dan manajemen risiko
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