BTN Record NPL KPR Decrease in Bali

By : Herry Barus And Aldi Firhand. A | Saturday, December 30 2017 - 19:50 IWST

Residence Illustration
Residence Illustration

INDUSTRY.co.id - Denpasar, Bali, noted that the decrease of non performing loans (NPL) for home ownership credit (KPR) in the local area in 2017 reached 2.1 percent compared to the same period the previous year reached 2.7 percent.

Head of Bank BTN Branch Denpasar Agung Komang Tri Martha W in Denpasar, Saturday (30/12/2017) explained NPL can be suppressed because it applies the principle of prudence by doing the analysis according to the rules to prospective mortgage debtors.

"Based on government regulations such as salary, home land, house specifications and others we follow first, the selection was, as long as it qualifies, we give credit," he said.

During 2017, he continued, BTN in Bali has realized mortgages amounting to Rp700 billion either for subsidized or non-subsidized homes with almost the same amount of realizations compared to the previous year.

For non-subsidized houses, most of the loans disbursed an average of Rp300 million per debtor with an average house price of Rp500 million.

As for the house subsidy with the scheme of FLPP housing financing facility, during the year 2017 it has financed 1,500 housing units, jumped compared to 2015 reached 66 housing units.

Total realization of mortgage loans for home subsidies, he added, this year exceeded the target reached Rp90 billion.

Subsidized mortgage absorption, continued Agung, at most in Buleleng Regency and the rest in Jembrana and Karangasem.

Agung as reported by Antara is optimistic that housing growth in Bali will be higher considering the need for housing is still sought, let alone the number of people who do not have a nationwide home of about 13 million.

"As long as the land is sufficient and demand is high, the housing sector will continue to grow," he said

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