Padangekspres.net-President Director of PT Adira Dinamika Multifinance Tbk., Stanley Atmadja, figured the deposit (down payment/DP) increment policy may reduce vehicle credit down to 30%.
“Certainly it will affect the automotive and multifinance industries,” Stanley told VIVAnewsthrough SMS, on Monday.
Stanley said the quality of automotive credit facilities (KKB) should be improved by paying more attention to the principle of prudence.
There will be no possible bubble in the granting of KKB. But it may weaken certain financing companies.
Around 65 percent of the existing financing companies have set a 10 percent downpayment, the actual amount that people can afford. Meanwhile, with regard to the accumulating number of consumers buying two-wheeled vehicles at Rp500 thousand worth of downpayment, Stanley said Adira does not apply the said policy.
Bank Indonesia has specified the increase in downpayment of two-wheeled vehicle credit of 25 percent at the lowest while automobile is subject to 30 percent.
• VIVAnews
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