Cara Mengajukan Permohonan Restrukturisasi Kredit KPR di Bank Tabungan Negara (BTN)


Salah satu upaya Pemerintah dalam pencegahan penyebarluasan COVID-19 adalah dengan menerapkan Pembatasan Sosial Berskala Besar (PSBB). Adapun dasar hukum penerapan PSBB ini adalah melalui ketentuan Peraturan Pemerintah Nomor 21 Tahun 2020 tentang Pembatasan Sosial Berskala Besar Dalam Rangka Percepatan Penanganan Corona Virus Disease 2019 (COVID-19) yang ditetapkan oleh Presiden Joko Widodo pada tanggal 31 Maret 2020.

PSBB tidak langsung diterapkan secara nasional, menurun PP 21 Tahun 2020 tersebut, Kepala Daerah Provinsi, Kabupaten/Kota harus mengajukan permohonan penetapan PSBB diwilayahnya kepada Menteri Kesehatan terlebih dahulu dengan mempertimbangkan beberapa aspek yang diatur didalam ketentuan dimaksud.

Di DKI Jakarta, PSBB mulai diberlakukan pada tanggal 10 sampai dengan 23 April 2020. kemudian disusul oleh Bogor, Depok, Bekasi yang penerapan PSBB nya dimulai pada tanggal 15 sampai dengan 28 April 2020.

Penerapan PSBB di beberapa tempat dimaksud, langsung berimbas kepada pendapatan masyarakat. karena PSBB itu sendiri mengatur pembatasan sosial antara lain; Kantor dilarang operasional kecuali bidang tertentu yang masih diperbolehkan untuk tetap operasional, pembatasan penumpang mobil, ojek tidak boleh mengangkut penumpang dan lain-lain.

Keadaan ini membuat sebagian besar warga pendapatannya menurun, terutama pekerja non formal seperti ojek/taxi online, usaha restoran, hotel dan bidang usaha lainnya mengalami kerugian bahkan sampai berujung PHK karyawan karena tidak ada sumber pemasukan lagi.

Pemerintah tidak tinggal diam!!!

Pemerintah menyadari betul bahwa banyak sekali masyarakat yang terdampak ekonominya, jangankan membayar cicilan kredit untuk memenuhi kebutuhan keluarga saja rasanya semakin sulit.

Oleh karena itu, Pemerintah pada tanggal 31 Maret 2020 telah menetapkan Peraturan Pemerintah Pengganti Undang-Undang Nomor 1 Tahun 2020 tentang Kebijakan Keuangan Untuk Penanganan Pandemi Corona Virus Disease 2019 (COVID-19) dan/atau Dalam Rangka Menghadapi Ancaman Yang Membahayakan Perekonomian Nasional dan/atau Stabilitas Sistem Keuangan. 

Didalam press releasenya, Presiden Jokowi secara tegas menyampaikan bahwa kepada tukang ojek, supir taxi dan nelayan tidak perlu kwatir terkait kredit yang dimiliki, Pemerintah akan memberikan keringanan kepada mereka berupa kelonggaran kredit selama 1 tahun. 
Saya kira ini perlu juga disampaikan kepada mereka untuk tidak perlu kwatir karena pembayaran bunga dan angsuran diberikan kelonggaran atau relaksasi selama 1 tahun
Kemudian bagaimana dengan nasabah yang memiliki cicilan KPR?

Baca juga:

1. Lockdown dan Karantina Wilayah Dalam Menghadapi Penyebaran Virus Corona (Covid-19)

2. Pembatasan Sosial Berskala Besar (PSBB) Dalam Rangka Penanganan Virus Corona (COVID-19)

Kabar baiknya, dengan berpedoman pada ketentuan Peraturan Otoritas Jasa Keuangan (POJK) Nomor: 11/POJK.03/2020 tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease (COVID-19) sebagai tindak lanjut dari Perpu No 1 Tahun 2020, Bank Tabungan Milik Negara (BTN) memberikan kesempatan kepada nasabah KPR yang terdampak COVID-19 untuk mengajukan permohonan restrukturisasi kredit KPR.

Restrukturisasi bukan berarti penundaan cicilan pokok atau bunga kredit, melainkan menghitung ulang kembali penghasilan nasabah yang terdampak COVID-19 dan menghitung jumlah pengeluaran bulanan/kebutuhan pokok nasabah, sehingga dapat dihitung berapa kesanggupan nasabah untuk melakukan cicilan setiap bulannya.

Langkah-Langkah Pengajuan Permohonan Restrukturisasi KPR BTN:

1. Mengisi form permohonan restrukturisasi, form penghasilan dan form pernyataan terdampat COVID-19 yang bisa anda download di website BTN;

2. Melakukan selfie atau swafoto dengan memegang KTP, form permohonan restrukturisasi, form penghasilan dan form pernyataan terdampat COVID-19 yang telah di isi.

3. Mengirimkan ke-3 form dan foto selfie tersebut ke alamat email restruk.online@btn.co.id sesuai format yang ditentukan yakni judul email: Restrukturisasi BTN, (Nama), (No Rekening) 

4. Mengisi Form Restrukturisasi Online yang disediakan di website BTN.

Diterima atau tidaknya permohonan anda merupakan kewenangan sepenuhnya oleh pihak BTN. selamat mencoba 

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