Kementerian PUPR Mengajak Perbankan Mensukseskan Program Sejuta Rumah

(Berita Daerah – Jakarta) Peran perbankan sangat penting dalam mensukseskan program penyediaan hunian khususnya bagi Masyarakat Berpenghasilan Rendah (MBR), ini terkait dengan suku bunga kredit yang masih tinggi.

Dengan adanya penurunan suku bunga deposito dan kredit oleh Bank Indonesia (BI) dinilai akan mempengaruhi target pencapaian Program Satu Juta Rumah yang dilaksanakan oleh pemerintah. Meski begitu, pemerintah tetap berupaya untuk tetap mendorong peran serta aktif dari pengembang, masyarakat, pemerintah daerah (pemda) serta perbankan.

Sebelumnya BI melonggarkan kebijakan moneter dengan menurunkan BI rate sebesar 75 basis poin (bps) serta giro wajib minimum (GWM) dalam rupiah sebesar 150 bps, namun kebijakan itu belum secara optimal direspons perbankan dengan menurunkan suku bunga kredit maupun deposito.

“Penurunan suku bunga kredit pasti ada pengaruhnya ke Program Satu Juta Rumah,” ujar Direktur Jenderal Penyediaan Perumahan Kementerian Pekerjaan Umum dan Perumahan Rakyat (PUPR), Syarif Burhanuddin yang dikutip dalam laman di Jakarta, Selasa (13/9).

Syarif menyampaikan, penurunan suku bunga kredit tersebut akan berpengaruh pada sektor pembangunan rumah bagi masyarakat non berpenghasilan rendah. Berdasarkan hasil komunikasi yang dilakukan oleh Direktorat Jenderal Penyediaan Perumahan Kementerian PUPR dengan para pengembang di lapangan, dampak kebijakan BI terhadap perumahan kelas menengah ke atas memang cukup tinggi. “Bahkan para pengembang menyampaikan bahwa saat ini mulai ada penambahan jumlah proyek pembangunan rumah kelas menengah ke atas,” kata Syarif.

Sesuai target Program Satu Juta Rumah tahun ini, pembangunan rumah untuk  MBR sebesar 700.000 unit dan 300.000 unit untuk non MBR. “Setidaknya untuk rumah non MBR diperkirakan dapat mencapai target atau bahkan melampaui,” ujarnya.

Sementara untuk rumah bagi MBR tidak akan memiliki pengaruh terlalu besar. Hal itu dikarenakan pemerintah telah menyalurkan Kredit Pemilikan Rumah (KPR) bersubsidi melalui skema Fasilitas Likuiditas Pembiayaan Perumahan (FLPP) yang suku bunganya rendah dan sangat terjangkau.

“Untuk kredit rumah tidak akan berpengaruh langsung ke MBR karena pemerintah sudah melakukan intervensi dari uang muka 10 persen menjadi hanya  satu persen saja. Suku bunga KPR FLPP juga sudah sangat rendah dan angsurannya sangat terjangkau bagi masyarakat,” tuturnya.

Fasiltas FLPP KPR merupakan penyaluran pembiayaan dari pemerintah pusat melalui bank pelaksana kepada MBR dalam kepemilikan rumah yang dibeli dari pengembang dengan suku bunga rendah dan angsurannya maksimal bisa mencapai 20 tahun.

Editor : Lenny Ambarita
image : BD


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