Tapernas Present, interest rates could degenerate Into ACTS of 2%

Jakarta -national housing Savings BILL (Tapernas) Kemenpera and the HOUSE of REPRESENTATIVES Middle attempted to provide a long-term source of funds, low-cost. The presence of such Tapernas can also depress interest rates to 2% MORTGAGES.

So the DPP REI, delivered Chairman Setyo Maharso in his written remarks, Tuesday (17/8/2012).

"If successful, the Fund convened an enormous, cheap and long-term Savings through Compulsory Housing (TWP) then it is very likely interest rate MORTGAGES could be pressed into a 2%-3% per annum," he said.

"When all the regulations, both banks, land, allows insurance for a period extended for example to ACTS 40 years, then the number of MBR and M.B.M. can access the KPR can be far more," added Setyo.

Tapernas does not effectively applicable in Indonesia. Whereas in some countries already have proven to be effective and provide a home to the MBR.

Chairman of Board Organizations Consideration Center real estate Indonesia (REI) f. Firm previously explained, Satria success requires that its citizens have Singapore savings and housing administered by the Central Provident Fund (CPF).

The Fund is managed by the State, which has a population of 4 million people, since 1955, now amounted to Rp 1,500 trillion. "With all its citizens funds that is now capable of living in a decent and affordable homes for all layers," said Teguh.

In Singapore, every citizen aged under 55 years should set aside around 25% of total revenues for a wide range of needs, including housing savings. While citizens age 55 and over pieces to smaller housing savings amount.

With such provision, then each month Singapore CPF savings for housing charge dues 1.64 billion Singapore dollars, or roughly $ 8.2 trillion.

(wep/dru)

Bos BTN: Kehadiran Tapernas Bukan Menggantikan FLPP

Jakarta – PT Bank Savings invested in the Country support the efforts of the realization of the national housing Saving (Tapernas). Tapernas could be a complementary credit cheap Government Financing Liquidity Facilities through Housing (FLPP), and ultimately access for housing low-income communities (MBR) getting more and more open.

"Tapernas it will complement existing programs before, FLPP," said Director of BTN, Iqbal Latanro, Jakarta, Monday (14/8/2012).

BTN as market leader, housing financing, supports advanced Iqbal soon terealisasinya Tapernas. There are many advantages including; purchasing power is increasing because the MBR and M.B.M. debtors access to housing finance system wide open.

"So far there is indeed a missmatch, because of maturity funds available are short term, while required to procure a House is a long haul," said Iqbal in his written remarks.

Just get a source of practical BTN Fund up to two years in the form of savings, bank deposits and current account. There is also a source of funding from the capital markets but the tenor of the relatively short five to seven years.

But the discourse instead of Tapernas establishments without constraint. One of them was the idea of employer which also provides funds Tapernas. Of course employers don't want to add to the burden of their Compulsory Dues because of the Housing (IWP).

"If in his employer also must contribute to worker Tapera dues, then it will add the burden of costs would be relatively firm and resistensinya is very high," he explained.

(wep/dru)