Home Credit IDR 0 Has Been Distributed To 514 Recipients

One of the locations of the house with DP 0 rupiah (Diah Ayu Wardhani / VOI)

JAKARTA - The DKI Provincial Government has distributed home ownership credit (KPR) with a DP of Rp 0 to 514 residents registered by the Prosperous Home Ownership Facilitation Unit (UFPRS).

This loan distribution is carried out by BUMD Bank DKI. Babay Parid Wazdi, Director of MSME & Sharia Business Credit for DKI Bank, said the nominal credit disbursed to 514 recipients as of October 31 was IDR143 billion.

"Bank DKI, as the implementing bank for the Zero Rupiah DP Program, has disbursed Rp143 billion housing financing facility for KPR to 514 beneficiaries of 0 Rupiah DP," said Babay in a written statement, Sunday, November 8.

A number of residences are occupied, including the Samawa Nuansa Pondok Kelapa Tower, East Jakarta, which belongs to KSO Sarana-Totalindo and BUMD Perumda Pembangunan Sarana Jaya.

Then, there are two residential programs for DP Rp0 developed by Perum Perumnas, namely Rusunami Bandar Kemayoran, North Jakarta and Apartemen Sentraland Cengkareng, West Jakarta.

In the 2 shelters developed by Perum Perumnas, Bank DKI has distributed KPR FPPR of IDR 11 billion to 45 beneficiaries.

"Until now, there are around IDR 3.5 trillion for housing loans at Bank DKI, divided into IDR 2.1 trillion for KPR, IDR 0 IDR 143 billion for DP, and the rest for Islamic mortgage loans," he said.

Furthermore, he said, the requirements for submitting a DP home program of IDR 0 include DKI Jakarta residents as evidenced by e-KTP, do not have their own house, have a maximum household net income of IDR 14.8 million per month, are not currently receiving government housing assistance / subsidies, and have a NPWP.

Specifically for the monthly income requirements, the income of residents who apply for a DP residence of Rp. 0 of Rp. 14 million applies after the appearance of Governor Regulation Number 14 of 2020 concerning Amendments to Pergub Number 104 of 2018 concerning Financing Facilities for Home Acquisition for Low-Income Communities.

However, for the minimum income, Babay said it depends on the installments and the period of time. DKI Bank provides a maximum credit of maximum credit installments to income (Debt Service Ratio / DSR) of up to 60 percent.

"I think if the income is Rp. 7 million, it means that the maximum installment can be given is Rp. 4.2 million. This, among other banks, is the largest DKI Bank," he said.