The Central Bank of Indonesia (BI) has relaxed the Loan to Value (LTV) and Financing to Value (FTV) for property mortgage loans to the maximum of 100%, effective from March to December 2021. It allows consumers to apply mortgages for houses (KPR) and apartment (KPA) with a down payment of 0%. This relaxation is available for all property types, including landed houses, vertical houses, shophouses and office house (rukan), for consumers with non-performing loan (NPL) less than 5%.