在印度尼西亞,新抵押規定旨在冷卻市場
In Indonesia, New Mortgage Rules Aim to Cool Market
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印尼央行希望通過定於新一周生效的新抵押法規,為不斷上漲的房地產市場降溫。

中央銀行正在為第二套房實施新的最低首付規定。購買第二套房產的貸款對價值比率將降低到60%,購買第二套房產以外的購買的比率將降至50%。這意味著購房者必須為第二套房子支付40%的首付,為其他房屋支付50%的首付。

申請新貸款時,客戶還必須聲明以前的抵押貸款。

該措施是在該銀行實施抵押法規之後的一年,該法規要求抵押的30%作為抵押,這希望能減緩市場。但是印度尼西亞仍然是世界上增速最快的市場之一。

印尼銀行通訊部董事彼得·雅各布斯(Peter Jacobs)告訴記者:“我們預計,去年我們實施類似的法規後,抵押貸款增長率將會下降。” “不過,事實證明,這一比率仍然很高。”

根據該銀行的數據,7月份,面積超過70平方米的房屋的抵押貸款利率與去年同期相比增長了25.5%,而面積為21平方米的公寓的抵押貸款同比增長了85.6%。

雅各布斯說,抵押貸款利率超過了總信貸增長率,後者約為20%至25%。

他說:“我們預計,如果過度增長繼續下去,將導致銀行貸款向房地產部門集中,並引發該部門的興衰。”

在其他快速增長的房地產市場中也已實施了類似的酷測量。 北京的新規定指出,單身成年人只能購買一套房,而第二套房的首付增加。但是,這些措施並沒有阻止價格繼續上漲。

另一方面, 香港的新措施使去年五月的銷售下降了60%。

印尼銀行宣布這一消息後,惠譽國際評級公司發表了一份聲明,重申其對市場未來的信心。

惠譽國際評級在聲明中表示:“儘管房地產價格增速放緩,但我們相信市場仍將保持吸引力,開發商將能夠度過更具挑戰性的經營環境。”

該公司表示,新規定將於9月30日生效,這將使房地產價格的升值速度更加緩慢。根據萊坊的一份報告, 雅加達的房價在第二季度同比增長了27.2%,引領了全球房價的上漲。

雅各布斯對《 雅加達郵報 》說:“我們的數據顯示,自2010年以來擁有多處房產的人數一直在增加,當時這一數字為4,700。2011年增加到6,500,一年後增加到8,300。” “截至4月,未償還的多按揭貸款總額為31.8萬億印尼盾(27.5億美元)。”

新措施如何影響印尼房地產市場尚待觀察。惠譽國際評級(Fitch Ratings)表示,雖然較低的貸款至價值上限將抑制增長,但在總體經濟不確定性的情況下,延遲購買將對房地產價格產生更大的影響。

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Bank Indonesia hopes to cool a skyrocketing property market with new mortgage regulations scheduled to take effect new week.

The central bank is implementing new minimum down payment rules for second properties. The loan-to-value ratio for the purchase of a second property will be reduced to 60 percent and 50 percent for purchases beyond the second property. This means buyers must pay a down payment of 40 percent for a second property and 50 percent for additional homes. 

Customers will also be required to declare their previous mortgages when applying for new loans. 

The measures come a year after the bank implemented mortgage regulations requiring a 30 percent deposit on mortgages, which it hoped would slow the market. But Indonesia has remained one of the fastest appreciating markets in the world.

"We expected that the mortgage growth rate would decelerate when we implemented a similar regulation last year," Bank Indonesia communications department director Peter Jacobs told reporters. "However, as it turned out the rate remained high,"

Mortgage rates for houses measuring more than 70 square meters increased by 25.5 percent in July compared to the prior year, while apartments measuring 21 square meters increased by 85.6 percent year-on-year, according to data from the bank.

The mortgage rates surpass the aggregate credit growth rate, which was approximately 20 to 25 percent, Mr. Jacobs said. 

"We predict that if excessive growth continues, it will lead to the concentration of bank lending to the property sector and trigger boom and bust in the sector," he said.

Similar cool measuring have been implemented in other fast growing property markets. New rules in Beijing stated single adults could only buy one home while down payments increased for second homes. However, the measures haven't deterred prices from continuing to increase. 

On the other hand, new measures in Hong Kong contributed to a 60 percent decrease in sales last May.

Following the announcement from Bank Indonesia, Fitch Ratings issued a statement reaffirming its confidence in the market's future. 

"We believe the market will remain attractive despite slower growth in property prices, and developers will be able to weather the more challenging operating environment," Fitch Ratings said in the statement. 

The new rules taking effect on September 30 should allow property prices to appreciate more slowly, the firm said. Jakarta's home prices grew by 27.2 percent year-over-year during the second quarter, leading global home price gains, according to a report from Knight Frank.

"Our data shows that the amount of people owning more than one property has been increasing since 2010, when the figure was 4,700. It grew to 6,500 in 2011 and to 8,300 a year later," Mr. Jacobs told The Jakarta Post. "As of April, outstanding multiple mortgage loans stood at Rp 31.8 trillion [US$2.75 billion]."

How the new measures affect Indonesia's property market is left to be seen. Fitch Ratings says although the lower loan-to-value caps will temper growth, property prices will be impacted more by delayed purchases amid general economic uncertainty. 

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