## State Minister For Public Housing Regulation Number 6/candy/m/2008 Year 2008

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Read the untranslated law here: http://peraturan.go.id/inc/view/11e44c512d0aff50b37f313233333435.html

2008, no. 104 21 iii. target group III = Rp. 122,837.0-5). calculating the difference between the interest rate subsidy = (value of the installment of the market per month – subsidized installment per month value) x 12. a). with a combination of IO-BP i. target group I = Rp. 3,591,775,-ii. target group II = Rp 3,669,845.0.-iii. target group III = Rp. 3,473,960,-b). without the combination of the IO-BP i. target group I = Rp. 2,905,761,-ii. target group II = Rp 2,864,954.0.-iii. target group III = Rp. 2,556,082.0-6). compare the difference in interest subsidies received in the previous year with the result of the calculation on the number 5) above. 7). The results of the calculation as listed in table 14. 8). A difference in the calculation of the subsidy will be calculated on the payment of subsidies next year. Table 14. Simulation calculation of the difference between the interest subsidy was received by the results of the reconciliation 2. The calculation of the subsidy a subsidy during the next year. a. done at the time of the implementation of the reconciliation of subsidized MORTGAGES. b. calculate the difference between the interest subsidy should have accepted LPK using: 1) BI rate on average for the current year is used in calculation reconciliation. With IO-BP Without IO-IO-With BP BP Without IO-IO-With BP BP BP Without IO-1. The price of Rp 55 million 55 million 41,500,000 41,500,000 28 million 28 million 2 RSH. A down payment of Rp. 7.50 7.50 7.50 7.50 5.00 5.00% 4,125,000 4,125,000 3,112,500 3,112,500 1,400,000 1,400,000 3. Loan of IDR 50,875,000 50,875,000 38,387,500 38,387,500 26,600,000 26,600,000 4. Subidi 6 6 8 8 10 10 5 Year period. 20 20 20 20 20 20 6 Year tenor. Subsidies have been received a. BI reference rate (January 2008)% 8.00 8.00 8.00 8.00 8.00 8.00 b. Margin (defined in the PKO) 4.75 4.75 4.75 4.75 4.75 4.75% c. interest rate market (a + b)% 12.75 12.75 12.75 12.75 12.75 12.75 d. Market per month Installments of Rp. 540,547 594,473 407,867 448,557 282,625 310,820 e. Subsidized interest rate% 7.00 7.00 4.50 4.50 1.00 1.00 f. Subsidized Installment per month Rp. 296,771 400,187 143,953 245,924 22,167 122,837 g. Interest Difference per month Subsidy of Rp. 243,776 194,287 263,914 202,634 260,458 187,983 h. Subsidies Interest per year Difference of Rp. 2,925,313 2,331,439 3,166,969 2,431,602 3,125,500 2,255,798 7. The subsidies should have received (reconciliation) a. BI rate average (May 2008 until April 2009)% 9.02 9.02 9.02 9.02 9.02 9.02 b. Margins fixed (as in PKO) 4.75 4.75 4.75 4.75 4.75 4.75% c. Margin variable 0.29 0.29 0.29 0.29 0.29 0.29% average interest rate Market d.% 14.06 14.06 14.06 14.06 14.06 14.06 e. Market per month Installments of Rp. 596,085 642,333 449,774 484,670 311,663 335,844 f. Subsidized interest rate% 7.00 7.00 4.50 4.50 1.00 1.00 g. Subsidized Installment per month Rp. 296,771 400,187 143,953 245,924 22,167 122,837 h. Interest Difference per month Subsidy of Rp. 299,315 242,147 305,820 238,746 289,497 213,007 i. Subsidies difference in Interest per year is Rp. 3,591,775 2,905,761 3,669,845 2,864,954 3,473,960 2,556,082 8. The difference in the calculation of the subsidy (6-7) (666,463) (574,322) (502,876) (433,352) (348,460) (300,284) a lack of subsidies target group Unit Description KeteranganIIII II www.djpp.depkumham.go.id 2008, 22 2 No. 104). market interest rates and subsidized interest rates prevailing at the year period subsidies; c. Add the results of calculation of subsidy by subsidy calculation results of reconciliation. d. an example of the calculation of the subsidy period for second year 1). calculate the interest rate market = BI rate average fixed margin + BI rate flat = median = 9.02%, as listed in table 11. fixed margin = 4.75% market interest rate = 9.02 4.75% + 13.77% =% 2). calculate the value of the market installments per month with the method of annuity and use the interest rate market 13.77% with the results of the calculation as follows: a). with a combination of IO-BP: i. target group I = Rp. 583,791.0-ii. target group II = Rp 440,497.0.-iii. target group III = Rp 305,235,-b). without the combination of the IO-BP: i. target group I = Rp. 631,645.0-ii. target group II = Rp 476,605.0.-iii. target group III = Rp. 330,255.0-3). calculate the value of subsidized installment per month with the method of annuity and use subsidized interest rates with the results of the calculation as follows: a). with a combination of IO-BP: i. target group I = Rp. 296,771.0-ii. target group II = Rp 143,953.0.-iii. target group III = Rp 22,167.0-b). without the combination of the IO-BP: i. target group I = Rp. 405,562.0-ii. target group II = Rp 251,154.0.-iii. target group III = Rp. 127,229.0-4). calculating the difference between the interest rate subsidy = (value of the installment of the market per month – subsidized installment per month value) x 12, with the results of the calculation as follows a). with a combination of IO-BP i. target group I = Rp. 3,444,238.0-ii. target group II = Rp 3,558,521.0.-iii. target group III = Rp. 3,396,820.0-www.djpp.depkumham.go.id 2008, no. 104 23 b). without the combination of the IO-BP i. target group I = Rp. 2,712,985.0-ii. target group II = Rp 2,705,412.0.-iii. target group III = Rp. 2,436,318.0-5). Add the results of calculation of subsidy on number 4 above) with a difference in the calculation of the subsidy results reconciliation on table 14, as listed in table 15. Table 15. Simulation calculation and the payment of subsidies to the second year of the period of implementation of the reconciliation and payment of subsidies subsidies next year during the subsidy as listed in Figure 6. I. the displacement Between the target group 1. The difference in interest rate subsidies combined with IO-BP or without combination with IO-BP. a. target group with more income are allowed buy/have RSH with fewer price limits, all keep using skim and the value of subsidies allocated for each target group of origin, for example: 1) target group I bought with a price limit of RSH RSH most Rp. RP 41.500.000 (forty-one million five hundred thousand rupiah) then skim and skim using subsidinya value and the value of the subsidy for the target group I. 2) target group II buy with a price limit of RSH RSH most Rp. 28,000,000.00 (twenty eight million rupiah) then skim and skim using subsidinya value and the value of the subsidy for the target group II. b. target groups with income less allowed buy/have a RSH a lot more price limits with the provided value and skim the subsidies received following the value of subsidies the target group on it. for example: with the IO-BP Without IO-IO-With BP BP Without IO-IO-With BP BP BP Without IO-1. The price of Rp 55 million 55 million 41,500,000 41,500,000 28 million 28 million 2 RSH. A down payment of Rp. 7.50 7.50 7.50 7.50 5.00 5.00% 4,125,000 4,125,000 3,112,500 3,112,500 1,400,000 1,400,000 3. Loan of IDR 50,875,000 50,875,000 38,387,500 38,387,500 26,600,000 26,600,000 4. Subidi 6 6 8 8 10 10 5 Year period. 20 20 20 20 20 20 6 Year tenor. Subsidies year after 2 a. BI rate average (May 2008 until April 2009)% 9.02 9.02 9.02 9.02 9.02 9.02 b. Margin (defined in the PKO) 4.75 4.75 4.75 4.75 4.75 4.75% c. 13.77 13.77 13.77 13.77 13.77 13.77% Market interest rate d. the market Installments per month Rp. 583,791 631,645 440,497 476,605 305,235 330,255 e. Subsidized interest rate% 7.00 7.00 4.50 4.50 1.00 1.00 f. Subsidized Installment per month Rp. 296,771 405,562 143,953 251,154 22,167 127,229 g. Subsidies Interest Difference per Rp. 287,020 226,082 296,543 225,451 283,068 203,027 h. Subsidies Interest per year Difference of Rp. 3,444,238 2,712,985 3,558,521 2,705,412 3,396,820 2,436,318 7. The difference in subsidy calculation reconciliation shortage year 1 IDR (666,463) (574,322) (502,876) (433,352) (348,460) (300,284) 1 8 years into the subsidies. The payment of subsidies to the 2 + year difference in calculation reconciliation year subsidies to Rp 1. Unit Description 4,110,700 3,287,307 4,061,398 3,138,764 3,745,280 2,736,603 KeteranganIIII II www.djpp.depkumham.go.id target group