PT EQUITYWORLD : Syarat Ajukan Kredit Rumah DP 1 Persen di BPJS Ketenagakerjaan

Equity World, PT Equityworld, Equityworld Futures : Syarat Ajukan Kredit Rumah DP 1 Persen di BPJS Ketenagakerjaan

PT EQUITYWORLD – Apa persyaratan untuk bisa menikmati Kredit Rumah DP 1 Persen di BPJS Ketenagakerjaan?

Equity World, PT Equityworld, Equityworld Futures : Syarat Ajukan Kredit Rumah DP 1 Persen di BPJS Ketenagakerjaan
Equity World, PT Equityworld, Equityworld Futures

BPJS, Badan Penyelenggara Jaminan Sosial Ketenagakerjaan menawarkan kredit pemilikan rumah (KPR), pinjaman uang muka perumahan (PUMP), pinjaman renovasi perumahan (PRP), dan kredit konstruksi.

Fasilitas bagi peserta kategori Masyarakat Berpenghasilan Rendah (MBR), non-MBR, dan pengembang itu merupakan program Manfaat Layanan Tambahan (MLT) BPJS Ketenagakerjaan.

Dengan fasilitas pembiayaan KPR hingga 99 persen dari harga rumah, diharapkan program ini mendukung program satu juta rumah.

PT EQUITYWORLD : Persyaratan untuk bisa Kredit Rumah DP 1 Persen di BPJS?

Direktur Utama BPJS Ketenagakerjaan Agus Susanto menjelaskan, persyaratan bagi peserta BPJS Ketenagakerjaan untuk dapat menikmati fasilitas MLT adalah sebagai berikut:

1. Telah terdaftar aktif minimal selama 1 tahun.

2. Perusahaan tempat bekerja tertib administrasi dan iuran serta tidak berstatus Perusahaan Daftar Sebagian (PDS) upah maupun tenaga kerja.

3. Belum memiliki rumah sendiri.

4. Untuk renovasi rumah, dana dipergunakan hanya diperbolehkan untuk renovasi rumah atas nama pekerja itu sendiri.

5. Peserta yang mengajukan pinjaman telah lolos verifikasi kredit dari bank penyalur yang bekerja sama.

“Saat ini kami telah bekerja sama dengan Bank BTN untuk penyaluran fasilitas pinjaman ini. Nanti ke depannya kami akan bekerja sama dengan semua bank pemerintah, termasuk bank pemerintah daerah,” ujar Agus melalui keterangan tertulis kepada redaksi, Minggu (26/2/2017).

Agus menjelaskan, fasilitas KPR untuk MBR maksimal 99 persen dari harga rumah, sedangkan untuk kategori non-MBR sebesar maksimal 95 persen dari harga rumah yang maksimal Rp 500 juta.

PT EQUITYWORLD : Adapun fasilitas PRP untuk renovasi rumah yaitu Rp 50 juta.

Lalu bagaimana dengan bunga KPR-nya? Patokan besaran bunga pembiayaan rumah dan KPR ini merujuk pada rate Bank Indonesia Reverse Repo (BI RR), dengan rincian sebagai berikut:

1. Jenis pinjaman KPR subsidi/bagi MBR, bunga sebesar 5 persen. Dan untuk jenis pinjaman non-MBR; bunga sebesar BI RR ditambah 3 persen selama jangka waktu 20 tahun.

2. Jenis pinjaman PUMP subsidi/bagi MBR, bunga sebesar BI RR ditambah 3 persen dengan jangka waktu tidak lebih dari 15 tahun. Sementara untuk non-MBR tidak mendapatkan PUMP berdasarkan PBI.

Baca juga: Harga Emas Akan Melonjak Minggu Ini Jika Ada Kekhawatiran Di Zona Euro | PT EQUITYWORLD

3. Jenis pinjaman Renovasi Perumahan, bunga sebesar BI RR ditambah 3 persen dengan jangka waktu 10 tahun.

4. Jenis pinjaman Kredit Konstruksi, bunga sebesar BI RR ditambah 4 persen dengan maksimal pinjaman sebesar 80 persen dari RAB selama 5 tahun.

“Tingkat bunga semua jenis pinjaman perumahan ini berlaku sepanjang jangka waktu pinjaman. Jadi tidak seperti tingkat bunga KPR di luar sana, yang mungkin saja murah pada tahun-tahun awal, tetapi kemudian naik drastis pada tahun berikutnya,” tambah Agus. PT EQUITYWORLD

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US Oil Prices Fall On US Oil Supply Worries

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Equityworld Futures – Crude oil prices fell in late trading weekend early Saturday (25/02) suppressed fears of rising US supplies and traders began pulling out barrels of crude oil from storage.

Crude oil futures prices ended the US West Texas Intermediate fell 46 cents, or 0.8 percent, to $ 53.99 per barrel.

The price of Brent crude oil futures fell 58 cents at $ 56 a barrel at 14:35 ET (1935 GMT). This contract post the weekly rise only slightly.

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For the week, the price of WTI crude oil rose 1.1 percent. Weekly increase was largely supported by the optimism of the OPEC and non-OPEC producers such as Russia to cut production, and the level of compliance of participants increases. The increase was also supported by the US weekly inventories though rising, but still below analysts’ expectations.

Bookkeeping ahead of the weekend and ahead of the upcoming expiration February 28 in Brent for April delivery, heating oil for delivery in March, and March RBOB gasoline, also weighed on prices, analysts and traders said.

The latest sign of the US production of the new arrivals on Friday after the oilfield services company Baker Hughes reported a weekly basis from US refineries topped 600 for the first time since October 2015. Last week, drillers added 5 oil refineries.

US crude inventories rose 564,000 barrels in the week to February 17, the Energy Information Administration reported on Thursday, though gains were below analyst expectations for a 3.5 million barrel rise.

Compliance average OPEC reported by the International Energy Agency last at 90 percent in January, and based on the average production survey by Reuters, was 88 percent.

read Equityworld Futures

Indonesia’s own efforts Lowers Price Holding GAS With Forming MIGAS

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Equityworld Futures, Jakarta – The government is working to establish a holding oil and gas (oil) or oil and gas holding by uniting PT Pertamina (Persero) and PT Perusahaan Gas Negara (Persero) Tbk. One of the benefits gained if synergies have been implemented is the decline in gas prices.

Deputy Energy, Logistics and Tourism Ministry of State-Owned Enterprises (SOEs), Edwin Hidayat Abdullah said the establishment of oil and gas holding aims to address the challenges facing Indonesia gas industry, namely the increase in gas demands as much as five-fold in 2050.

“The high dependence of Indonesia on imported gas, gas prices are relatively high and the imbalance of gas resources in Indonesia,” said Edwin, during a hearing with House Commission VI, at the Parliament Building, Jakarta, Thursday (02/23/2017).

Edwin continued, the formation of oil and gas holding will encourage energy security and the economy, through the synergy Pertamina and PGN. Because infrastructure will connect the gas from the west to the east, through an increase in domestic gas supply, the effectiveness and efficiency of gas distribution and gas infrastructure optimization.

Edwin said, it provides a variety of benefits, including open cuts in the price of gas at the final consumer level for efficiency throughout the chain. The decline in gas prices will have an impact on improving the competitiveness of the industry as production costs decrease and the price of the products become cheaper.

“The benefits, the infrastructure development that does not overlap for the supply of gas to the end consumer,” said Edwin.

Edwin said Bergan impact da obtained from oil and gas holding is able to increase state tax revenues, due to increased industry revenues.

“Improving the employment industry, because of the growth of the industrial sector,” said Edwin.

read Asian Stocks Decline After President Donald Trump Berkemontar On Political Economy of China | Equityworld Futures

Oil Prices Down 1.5% Along Hopes Increase US Oil Supply

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PT Equityworld, New York – Oil prices fell 1.5 percent as there is hope of rise in US oil supplies. However, oil prices ditransaksi at the highest level on a weekly basis. It induced optimism of market participants after OPEC signaling agreement with other oil producers to strong commitments crop production.

The price of oil West Texas Intermediate (WTI) for April delivery fell 1.4 percent, or 74 cents, to US $ 53.59 per barrel. While the price of Brent oil slipped 90 cents, or 1.6 percent to US $ 55.76.

Ahead of industry and government reports the United States (US) about the weekly oil supplies, analysts expect no increase in supply of around 3.3 million barrels of oil.

“We have seen a significant improvement for crude stocks sejal beginning of the year. The market has been able to maintain the buying action. I think the underlying sentiment pushed reinforcement. What’s more the market is also being tightened product,” said Andrew Lebow, an analyst at Commodity Research, was quoted as saying of pages by Reuters on Thursday (02/23/2017).

Sentiment oil-producing nations to live the commitment of OPEC to cut output into a fresh breeze in the market. OPEC Secretary General Mohammad Barkindo memuturkan, group and other producers including Russia will improve compliance-related outcomes agreed to attempt to overcome the excessive supply and increase prices.

Non-OPEC countries which joined in the deal also has limited oil production at least about 60 percent. This was higher than expected.

read Gold prices rose 0.5% Still Got There are indications of the Fed’s rate hike | PT Equityworld

World Oil Prices Rise Despite OPEC member Reduce Production

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Equity World – Crude oil prices rose to a near three-week high in late trading on Wednesday morning (22/02) after OPEC expressed firm in a deal to cut output and expect other manufacturers to join in the effort to reduce global glut.

The price of US crude oil futures closed up 66 cents, or 1.2 percent, at $ 54.06, down from a session peak of $ 54.68.

Brent crude oil futures prices rose 48 cents per barrel, or 0.9 percent, to $ 56.66 at 02:46 ET (1946 GMT). It reached a high of $ 57.31 earlier in the day.

OPEC Secretary-General Mohammed Barkindo said at an industry conference in London that the January data showed the country’s participation in the OPEC cuts produski been above 90 percent and oil inventories will decline further this year.

US gasoline futures was the biggest mover in the energy sector, fell 1.5 percent to $ 1.4942 per gallon. Which encourages the spread of gas, the refining margin indicator, to the lowest level in the new year.

Organization of Petroleum Exporting Countries and other producers outside the group agreed in November to cut production by about 1.8 million barrels per day (bpd) in an attempt to drain the excess which has been pressuring prices for more than two years.

Barkindo said it was too early to say if the reduction in supply, which lasted for six months from January 1, will need to be extended or deepened in the next OPEC meeting in May.

Based on the agreement, Iran was allowed to increase production from the level of October and Tehran expects its oil production to reach 4 million barrels per day in mid-April.

read The Gold Price Down Due to incompatibilities US Economic Data | Equity World

Iranian Oil Minister Zanganeh told state television that the OPEC oil producers and non-OPEC committed to cut production.

Bank of America Merrill Lynch cut its forecast for Brent crude oil prices to average $ 50-70 by 2022, from $ 55- $ 75 in the middle of a recovery in US shale production.

Oil Prices Rise Despite growing optimism Stock Investor OPEC Policy

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Equityworld Futures, New York – Oil prices edged up encouraged investor optimism about the effectiveness of the continuation of production cuts by OPEC despite the ouput of the United States (US) continues to grow which makes oil stocks increased.

Reuters page launched on Tuesday (02/21/2017), at the end of the session the price of Brent oil futures rose 0.7 percent to US $ 56.18 per barrel. While the price of West Texas Intermediate rose 29 cents, or 0.5 percent to US $ 53.69 per barrel.

Reports pushed oil prices if crude oil shipments from the exporting country member of OPEC, Saudi Arabia fell to 8.014 million barrels per day (bpd) in December compared to November reached 8.258 million bpd.

Oil prices were also slightly raised the weakening US dollar. A stronger greenback usually makes oil more expensive for holders of other currencies.

Organization of Petroleum Exporting Countries (OPEC) and other producers, including Russia, last year agreed to cut 1.8 million barrels per day of oil production started the first half of 2017.

Until now, compliance related to the policy of cutting oil production reached 90 percent. In fact, OPEC reported to extend the agreement or impose greater cuts in July if measures to reduce global inventories of crude oil did not reach the target.

Investors also continued to observe step OPEC members about their commitment to cut production.

For figure cutting reports from Saudi Arabia in December, judged not reflect the full picture.

“Ahead of the agreed production cuts, Saudi Arabia chose not to reduce output because usually this country will be exposed to winter in the middle of the year, so that later in the day can interfere with production cuts agreed measures,” said Commerzbank in a note.

On the other hand, US oil production continues to rise. “Assuming the number of US oil rigs at the current rate, we estimate that oil production will increase by 405,000 (barrels per day) between the fourth quarter 2017 and fourth quarter of 2016,” Goldman Sachs said in a research note.

It was also said, average annual US oil production will increase by 130,000 bpd, exceeding the annual average in 2017.

read Movement of the Composite Stock Price Index (CSPI) to Decline Due | Equityworld Futures

European Stock Markets Close Mixed After Rally On Price

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PT Equityworld – European stock markets closed mixed on weekend trading on Friday (17/02), moving backwards after a strong rally earlier this week, as investors digested economic data and earnings reports issuer.

The FTSE index ended at 7299.96, up 22.04 points or 0.30%. For the week the index rose 0.57 percent.

DAX index ended at 11757.02, down -0.22 points or 0%. For the week the index was up 0.77 percent.

CAC index ended at 4867.58, down -31.88 points or -0.65%. For the week the index rose 0.81 percent.

IBEX 35 index ended at 9500.30, down -54.40 points or -0.57%. For the week the index rose 1.30 percent.

The pan-European index Stoxx 600 rebounded from earlier losses to close flat with major stock exchanges were mixed, and the majority of sectors in negative territory.

Banking stocks were among the worst performers on Friday, with shares of auto and basic resources posted weaker.

Shares of oil companies and chemical Dutch Vopak is under the European benchmark, fell about 7.1 percent.

Elsewhere, Unilever ended up near the top of the European benchmark on Friday after Kraft-Heinz said it had made a bid for the company. Unilever jumped more than 13.4 percent higher in London.

Nvestasi property and development company SEGRO climbing 3.1 percent after announcing earnings rise and said demand is rising.

German insurer Allianz announced a stock buyback on Thursday evening and reported a 23 percent rise in annual net profit for the last quarter. Its shares closed down by more than 2.81 percent.

read Wall Street’s optimism Market On Close Up Of Donald Trump Presidential Policy | PT Equityworld

Indonesian Capital Market Stable Enough heat in the Era of Domestic Political

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Equity World, Jakarta Indonesia capital market industry is quite stable in recent months, although there are some political turmoil. This is reflected in the Composite Stock Price Index (CSPI), which continues to be in the range of 5300-5400.

Head of Research and Strategic PT Bahana Sekuritas said Harry Su, reflects conditions when foreign investors are not overly particular attention to the political conditions in the country.

“With the current 5300-5400 index seems alien to politics yet so follow us. They position, not aware they hope okay. So Ahok win and also might not guilty to forecase her,” he said in Jakarta Graha Niaga CIMB Thursday (02/16/2017).

The local elections (Pilkdada) Jakarta was fierce. Quick calculation or quick count and lieutenant governor candidate number 2 and 3 have a narrow margin. It allows occurs election second round.

“Result berdasarakan quick count if the average of all we get an average 17 percent of candidates, 43 per cent of the two candidates, 40 percent of candidates three. Quite tight in the second half of this. Of course, fighting 17 percent,” he said.

Jakarta election this year is not much different from the previous election period in 2012. In which, the calculation results have a narrow margin. However, he admitted, a candidate for Governor Basuki Tjahaja Purnama has a pretty good achievement although exposed to the issue of religion.

“What happened in 2012 when there Pak Jokowi and Ahok. They were 42.6 percent. In fact according to I, Ahok achievement passable despite religious defamation issues and others, it is still 43 percent is pretty good. Since the year 2012 was only about 43 percent . Round two was 53.8 percent, “he explained.

Harry said, in November 2016 occurred massive stock sales. He said that it was a combination of the two sentiments that the election of Donald Trump as president of the United States (US) and domestic political conditions the demonstration in Jakarta.

“It is more due to the release of foreign events Trump Presidential election. If the local sale of November because of domestic politics. They are selling together with different reasons,” he added.

read Commodity Price Information US Stocks | Equity World

Shares of Wall Street Print Record On Strengthening Support Banking Stocks

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Equityworld Futures, Jakarta Most US stocks or Wall Street higher on this midweek. Wall Street Print record of banking stocks led gains.

Launched by Reuters on Wednesday (02/15/2017), bank stocks rose after the governor of the Federal Reserve, Janet Yellen said that it is not wise to wait too long in raising interest rates.

Yellen said the delay interest rate hikes will force the Federal Reserve to tighten monetary policy more quickly, which could lead to the risk of recession. He also pointed out there is uncertainty in economic policy under the control of President Donald Trump.

Bank stocks were expected to take advantage of rising interest rates lead the market. Goldman Sachs rose 1.29 percent, and Bank of America added 2.82 percent. S & P 500 rose 1.24 percent.

In addition to bank stocks, Apple shares also contributed to the rise in Wall Street at the close of trading yesterday. Apple shares hit a record rise for a second session, contributing to the profits of S & P 500, Dow Jones Industrial Average and the Nasdaq Composite Index.

The Nasdaq Composite Index rose 0.32 percent to settle at 5782.57 level. While the Dow Jones Industrial Average gained 0.45 percent to close at 20504.41 levels, and the S & P 500 rose 0.40 percent at 2337.58.

read Asian Stocks Rise Following Janet Yellen Statement | Equityworld Futures

World Oil Prices Rally For Strengthening Dollar

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PT Equityworld, Jakarta Oil prices trim gains as fears of a rise in US shale gas production cuts will overshadow efforts undertaken exporting countries.

US crude oil price, West Texas Intermediate rose 27 cents to settle at US $ 53.20 at the close of trading on Tuesday, as quoted by CNBC on Wednesday (02/15/2017).

While the price of world oil benchmark, Brent rose 36 cents, and sold at US $ 55.95 per barrel. Brent briefly touch the highest level of US $ 56.46 per barrel.

The rally in early trading yesterday lost power because of the strengthening dollar. The dollar rose after Federal Reserve Governor Janet Yellen stated that the central bank will raise interest rates at the next meeting.

A stronger dollar makes commodities sold in dollars such as crude oil more expensive for other currency.

“Oil prices are usually quite volatile barely budged for two months, the reason for the conflict dynamics in the market,” said Hans van Cleef, senior energy economist at ABN AMRO Bank in Amsterdam.

Organization of Petroleum Exporting Countries (OPEC) and other exporters including Russia have agreed to cut production by nearly 1.8 million barrels per day (bpd) during the first half of 2017 in an effort to rein in excess rhang global fuel supply.

read our news Gold Down In 4th Session Because Strengthening Dollar | PT Equityworld