BNI Targets KPR SSB to Reach 15,000 Houses

INDUSTRY.co.id - Jakarta- Limited Liability Company Bank Negara Indonesia Persero Tbk (BNI) targets to disburse housing loans with an interest subsidy (SSB) facility to 15,000 homes for low-income people this year.

"In addition to the housing financing liquidity (FLPP) facility, the company will also distribute through interest subsidy disbursement this year, our commitment to 15,000 houses," said BNI Consumer Business Director Anggoro Eko Cahyo in the signing of Operational Cooperation Agreement (PKO) with the Ministry of PUPR Jakarta, Wednesday (8/30/2017)

The new BNI this year distributes KPR scheme SSB. SSB KPR schemes are similar to those for subsidized housing, such as FLPP. However, the difference in interest paid to low-income customers is borne by the Government.

For example, BNI currently gives interest to the KPR SSB of 5 percent to customers, while the mortgage interest is actually 11-13 percent. The remaining 6-8 percent of it is banned by BNI, then it will be claimed (reimburse) to the government.

Anggoro said that the average price of homes for this SSB KPR (ticket size) of Rp123 million per unit and Rp320 million per apartment unit or flat.

According to him, BNI needs to participate to provide cheap housing financing, considering the needs of public housing is still large, ie 11.4 million units.

Since this financing is only for MBR, SSB KPR is given to permanent workers who have a maximum income of Rp 4 million per month for the purchase of subsidized housing. SSB is also provided to permanent workers who have a maximum income of Rp7 million per month for the purchase of subsidized apartments.

From various low-cost housing schemes, such as FLPP, SSB, and subsidies for cash advance (SBUM), BNI currently participates through FLPP, SSB, cooperation with Bapertarum, BPJS TK, and YKPP Asabri.