Concerns ballooning backlog figures ( figures deficiency ) of housing is a major concern that must be considered to stop the proposed acquisition of the State Savings Bank Tbk ( BTN ) by PT Bank Mandiri Tbk ( Mandiri ) .
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This was stated by experts in a discussion Simanungkalit Panangian property ” Strengthening the position and role of the BTN as the Housing Bank in Indonesia ” in Puri Avia Hotel & Resort , Cipayung , Bogor , on Friday ( 02/05/2014 ) night .
Until the end of 2013 , the housing backlog has reached 15 million units . Every year the shortfall figure is predicted to grow to 1 million units . Based on these predictions , according Panangian , means that within 10 years the numbers become 10 million shortfall . So , if not built a single house , in 2023 will reach 25 million backlog .
"If the target of 400 thousand units per year multiplied by 10 years equals 4 million units , meaning its backlog reached million units . ‘s If BTN is not acquired , what if acquired , " said Panangian .
Panangian outlines , BTN mission since its founding in 1976 is not profit -oriented , but rather to provide low-cost housing for the community down. When other banks did not get into the realm of low-cost housing , BTN actually strengthen themselves in the sector , not least in the crisis of 1998 is still producing home to 110 thousand units .
Noted , for 38 years until 2014 , KPR BTN has reached about 3.7 million units, valued at Rp 205 trillion . That is, the BTN has been laid off 4 times the 3.7 million people per housing unit or equal to 15 million people .
Panangian further added , multiplier effect of 3.7 million construction of the house is very large . First , trickal down effect of 3.7 million construction of the house was very large . Second , the amount of 3.7 million homes built by 15 workers per home or as many as 56 million workers .
" Of the 56 million workers have revived 4 family members or equal to 222 million people . More importantly , BTN has helped the government to encourage the opening of new cities across Indonesia , " said Panangian .
For this reason, further Panangian , BTN is very experienced in housing finance and has proved itself to resistance to the crisis of 1998. Thus, it is very important to make the BTN as a national housing bank in Indonesia . ” Asset BTN today was Rp 150 trillion . Healthier . BTN was pretty bank . Acquired for what , ” said Panangian .
President of the HUD Institute , Zulfi S. Koto , agrees with Panangian . With the existing rules , BTN could be National housing bank in Indonesia . ” Even the concept should be prepared to be formed into the national housing and urban development in which there will be infrastructure , markets , roads , and others . Typically BTN right there so service should be enlarged . Condition, there should be a law overriding and can temporarily Instruction is used only once , ” said Zulfi .
Zulfi Similarly , DPP Chairman of Housing and Settlements Development Association of Indonesia ( Apersi ) , Anton R. Santoso , stating that the BTN should be used as a national housing bank , aka national housing bank . Apersi firmly rejected the acquisition.
Anton said the government should strengthen the position of BTN to serve the function of housing finance , namely by placing BTN as well as the bank’s loan portfolio (mortgage ) . Thus , BTN role in funding the loans , long-term housing .
" So the bank must have a source of long-term funds also like stocks , bonds , retirement or savings fund public housing . Makes BTN as a mortgage bank can be used as a solution to the problem of the declining ability of most people in home ownership , " said Anton .