{"id":2824,"date":"2022-12-08T12:34:19","date_gmt":"2022-12-08T05:34:19","guid":{"rendered":"https:\/\/businessupdate.id\/?p=2824"},"modified":"2022-12-08T12:34:19","modified_gmt":"2022-12-08T05:34:19","slug":"skema-bank-btn-hadapi-dampak-kenaikan-suku-bunga-kpr-tahun-depan","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=2824","title":{"rendered":"Skema Bank BTN Hadapi Dampak Kenaikan Suku Bunga KPR Tahun Depan"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> PT Bank Tabungan Negara (Persero) Tbk. atau BTN memaparkan sejumlah skema untuk menjawab dampak kenaikan suku bunga terhadap cicilan KPR di tahun depan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kenaikan suku bunga akan berdampak terhadap cicilan kredit pemilikan rumah (KPR) pada 2023 mendatang. Untuk menjawab hal ini, BTN akan melaksanakan sejumlah skema. Salah satunya, layanan pola pembiayaan melalui skema <em>rent to own<\/em> yang akan memudahkan masyarakat untuk dapat memiliki rumah dengan cara menyewanya terlebih dahulu.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Demikian juga dengan skema pembayaran yang ringan menyesuaikan dengan penghasilan konsumen dengan metode <em>graduated payment mortgage<\/em> yang menyesuaikan dengan kemampuan atau penghasilan konsumen,&#8221; jelas Direktur Utama BTN Haru Koesmahargyo&nbsp; dalam pidato pembukaanya di acara webinar Economic &amp; Property Outlook 2023 pada Rabu (7\/12\/2022).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selain itu, BTN juga menghadirkan pola <em>staircasing ownership<\/em> di mana terjadi gradasi kepemilikan rumah antara bank dengan konsumen yang hendak memiliki hunian yang layak.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selanjutnya Haru mengatakan target pertumbuhan KPR tahun depan sekitar 7,7% secara tahunan.&nbsp; Menurutnya, geliat pertumbuhan sektor properti pasca-pandemi berbanding lurus dengan pertumbuhan KPR perbankan ke arah positif signifikan pada 2022.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Demikian, pertumbuhan kredit pemilikan rumah (KPR) perbankan tumbuh 7,7% dan ini cukup meyakinkan kita bahwa ke depan pertumbuhan ini bisa kurang lebih sama di tahun 2023,&#8221; jelas Haru.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apabila dirinci secara sektoral berdasarkan penjualan, pada tahun ini penjualan rumah kecil dan rumah besar mengalami pertumbuhan masing-masing 20 dan 30%. Sementara, penjualan pada rumah menengah tercatat turun 21%.&nbsp;<br>Untuk diketahui, pertumbuhan kredit perbankan pada sektor properti dilaporkan terpacu oleh adanya sejumlah insentif dan regulator yang ditetapkan oleh pemerintah seperti perpanjangan relaksasi <em>loan to value <\/em>(LTV). (jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk. atau BTN memaparkan sejumlah skema untuk menjawab dampak kenaikan suku bunga terhadap cicilan KPR di tahun depan. Kenaikan suku bunga akan berdampak terhadap cicilan kredit pemilikan rumah (KPR) pada 2023 mendatang. Untuk menjawab hal ini, BTN akan melaksanakan sejumlah skema. Salah satunya, layanan pola pembiayaan melalui skema [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2825,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,48],"tags":[183,248,765,1227,827,1228],"class_list":["post-2824","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","category-finance","tag-btn","tag-kpr","tag-kredit","tag-pemilikn","tag-rumah","tag-suku-bunga"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Skema Bank BTN Hadapi Dampak Kenaikan Suku Bunga KPR Tahun Depan - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=2824\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Skema Bank BTN Hadapi Dampak Kenaikan Suku Bunga KPR Tahun Depan - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk. atau BTN memaparkan sejumlah skema untuk menjawab dampak kenaikan suku bunga terhadap cicilan KPR di tahun depan. Kenaikan suku bunga akan berdampak terhadap cicilan kredit pemilikan rumah (KPR) pada 2023 mendatang. Untuk menjawab hal ini, BTN akan melaksanakan sejumlah skema. 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