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Gubernur BI Larang Program Kredit Rumah DP 0% Calon Gubernur dan Calon Wakil Gubernur DKI Jakarta nomor urut tiga Anies Baswedan-Sandiaga Uno, tampaknya harus dalam-dalam mengubur keinginan untuk menjadikan program “Rumah untuk Rakyat” sebagai tawaran unggulannya kepada warga ibu kota.
Program itu berintikan warga DKI tak lagi perlu memusingkan uang muka ataudownpayment (DP) ketika ingin membeli rumah. Sebab, Anies-Sandi berjanji bakal mengesahkan kebijakan pembelian rumah tanpa uang muka (DP 0 persen).
Namun, Gubernur Bank Indonesia (BI) Agus Martowardojo menegaskan, rencana tersebut menyalahi aturan otoritas. Sebab, BI sudah mengatur ketentuan Loan to Value (LtV) untuk pembiayaan properti. Dalam beleid tersebut diatur pula besaran minimum uang muka untuk penyaluran kredit properti.
"Harus ada DP, tidak bisa kalau tak ada DP. Itu menyalahi aturan," kata Agus saat ditemui di kantornya, Jakarta Pusat, Jumat (17/2/2017).
Agus menjelaskan, program kredit rumah tanpa DP itu secara hukum menyalahi Peraturan Bank Indonesia (PBI) Nomor 18/16/PBI/2016 tentang Rasio LtV untuk Kredit Properti. Dalam peraturan itu disebutkan, uang muka kepemilikan rumah pertama sebesar 15 persen dari total nilai rumah.
"Karenanya, kalau rencana kredit rumah DP nol persen itu direalisasikan, bisa kena teguran dari otoritas,” tandasnya.
Anies-Sandi, dalam debat terakhir kandidat Pemilihan Kepala Daerah (Pilkada) DKI, yang digelar KPU di Hotel Bidakara, Jakarta Selatan, Jumat (10/2), mengakui ingin warga ibu kota bahagia dengan memberikan kredit rumah murah.
Skemanya, masyarakat yang ingin membeli rumah minimal harus menabung selama enam bulan. Hasil tabungan tersebut akan digunakan sebagai pengganti DP yang nilainya mencapai 10 persen dari harga rumah.
Padahal, Dalam Peraturan BI (PBI) Nomor 18/16/PBI/2016 yang dikeluarkan pada 29 Agustus 2016 lalu, bank sentral secara resmi mengatur ketentuan rasio LTV kredit pemilikan rumah pertama menjadi 85 persen dari sebelumnya 80 persen. Artinya, uang muka kredit perumahan minimal 15 persen dari harga rumah.
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