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    Jumat, 23 Oktober 2026 - 13:42:00 WIB
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    JAKARTA, iNews.id - Bank Indonesia (BI) memperpanjang kebijakan uang muka atau down payment (DP) 0 persen untuk kredit pemilikan rumah (KPR) dan pembiayaan kendaraan bermotor hingga 31 Desember 2027. Kebijakan ini menjadi bagian dari pelonggaran makroprudensial untuk mendorong pertumbuhan kredit sekaligus menjaga stabilitas sistem keuangan.

    Perpanjangan tersebut mencakup ketentuan rasio Loan to Value (LTV) atau Financing to Value (FTV) untuk kredit atau pembiayaan properti, serta uang muka kredit kendaraan bermotor. Kedua kebijakan tersebut berlaku efektif mulai 1 Januari 2027.

    Untuk sektor properti, BI memperpanjang ketentuan LTV/FTV hingga 100 persen sehingga memungkinkan konsumen memperoleh pembiayaan dengan DP 0 persen. Ketentuan ini berlaku untuk berbagai jenis properti, mulai dari rumah tapak, rumah susun, hingga rumah toko (ruko) dan rumah kantor (rukan).

    Meski demikian, penerapan kebijakan tersebut tetap memperhatikan kriteria rasio kredit bermasalah atau non-performing loan (NPL) dan pembiayaan bermasalah atau non-performing financing (NPF) perbankan. Fasilitas DP 0 persen bergantung pada pemenuhan ketentuan yang ditetapkan BI oleh bank terkait.

    Sebelumnya, kebijakan pelonggaran LTV/FTV properti tersebut dijadwalkan berakhir pada 31 Desember 2026. Melalui perpanjangan ini, ketentuan tersebut akan tetap berlaku hingga 31 Desember 2027.

    Sementara itu, untuk sektor otomotif, BI memperpanjang ketentuan uang muka kredit atau pembiayaan kendaraan bermotor paling sedikit 0 persen untuk semua jenis kendaraan bermotor baru. Kebijakan tersebut memberikan ruang bagi konsumen untuk mengajukan pembiayaan kendaraan baru tanpa uang muka, sepanjang memenuhi persyaratan yang ditetapkan lembaga pembiayaan dan ketentuan yang berlaku.

    Perpanjangan kebijakan DP 0 persen untuk properti dan kendaraan bermotor diharapkan dapat mendukung penyaluran kredit dan pembiayaan ke sektor-sektor produktif, sekaligus menjaga momentum pertumbuhan ekonomi. 

    Editor: Dani M Dahwilani

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