The government is studying several incentive packages for the property sector amidst the Covid-19 pandemic to maintain the mortgage loan stability by banks. The incentives will include in the National Economic Recovery Program(PEN), comprising the provision of the property transfer tax (BPHTB) for the low income segment (MBR) by the government, a payment holiday for capital instalment and the maximum of Rp500 million in mortgage interests, a reduction of property transfer tax (PPh BPHTB) for a simple housing/basic housing (RS/RSS) from 5% to 1% and a lower construction loan interest.