Mortgage Adalah Kpr

Mortgage Adalah Kpr

Mortgage Adalah Kpr

Mortgage Adalah Kpr – House prices increase year by year, which makes it difficult for most people to buy them for cash. A home equity loan (KPR) is also one of the options that some people use to be able to buy a home faster, because it is believed that they do not need to prepare large sums of money.

In fact, not everyone knows the details of the stages of the mortgage process, they know that the buyer’s obligation is only to present the complete documents to the official of the bank / financial institution, then sit back and wait for good news from the bank. However, after a few weeks there is no news from the bank, usually new buyers start to panic because the seller is “afraid” of payment.

Mortgage Adalah Kpr

Mortgage Adalah Kpr

Well, if you want to apply for a mortgage, you need to know in advance what stages of the mortgage process you need to go through. Here are 6 steps in the mortgage loan process that you need to consider to make your mortgage application go smoothly.

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The first step in the mortgage process is to find information about the bank. If you want to buy a house from a developer, it doesn’t hurt to ask which bank has collaborated with the developer.

After that, research in advance information such as interest rates, mortgage fees, processing and products offered by the bank that you compare between banks.

If you are still confused, the KPR Academy team is ready to help you determine the choice of the appropriate bank to minimize the possibility of your application being rejected.

After finding the right bank, the next step in the mortgage process, you must of course prepare several documents to meet the mortgage application requirements, including:

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There are different documentation requirements for employees, employers and professionals. Make sure you fill out the necessary documents based on your type of work.

Bank analysis is a very important stage in the mortgage process, as the bank will review all the documents submitted in the administration. In addition to the administrative verification of documents, the bank will also verify the credit rating of your BI Check. BI Checking greatly affects your mortgage application, because if your credit rating is poor, the bank will not approve your mortgage application.

After passing the BI verification process, the next stage of the mortgage loan process is the KPR analysis process, usually the bank will contact you to verify some of the information you provide, such as salary, monthly living expenses, place of work, tenure and others. issues – other issues that the bank considers important.

Mortgage Adalah Kpr

At this stage, the bank will ask you to make an appointment to visit the location of the house / property you want to buy. The aim is for the bank to assess the value of the property (appraisal) you buy. For real estate valuation, it is sometimes carried out by a third party, the Public Valuation Service (KJPP). Generally, an appraisal is done for those of you who are buying a second home.

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The appraisal process for the purchase of a new home from a project manager usually takes place at the beginning when the bank works out the partnership agreement with the project manager. If there is already a partnership, there is no assessment fee. If not, you have to pay an assessment fee. Unless you choose Sharia Bank KPR there are no valuation fees.

After carrying out the mortgage analysis process, you need to calculate the loan offer provided by the bank, such as interest rates, terms and information about the necessary mortgage costs.

You need to ask the bank about important things related to mortgages, such as current interest rates, supply fees and other fees. Don’t forget to understand the bank’s terms and conditions before you decide to enter into a loan agreement. Pay attention to the details of any written agreement so you don’t get lost or regret it in the future.

If your mortgage request is approved by the bank, you must prepare the documents described above to bring during the loan agreement.

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At this stage of the mortgage process, there will be several interviews with the life insurance company (sometimes directly on behalf of the bank), who will ask you a few questions about your health. Be sure to tell the truth about your condition!

Finally, the last stage of the mortgage loan process has arrived, namely the signing of the loan agreement. Usually, a loan agreement is signed within 1-2 weeks after the information about the credit assessment has been received from the bank.

The parties who must be present at the signing of the loan agreement are the buyer (husband), the bank’s representatives, the seller and the notary public. All these parties cannot be represented because they have to show their real identity to the notary public.

Mortgage Adalah Kpr

The stages of the mortgage process will be carried out in front of a notary at a predetermined time. Notaries are appointed by the bank to handle all documents such as loan agreements, sales and purchase agreements (AJB), mortgage deeds (APHT), certificates and other documents.

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After all processes have gone smoothly, the loan agreement document will be signed and the bank will transfer the funds to the seller. After concluding the contract, make sure to write down the payment due dates, pay installments regularly and on time.

A little advice for you, so that the purchase of your home can go smoothly, it is better if you apply for a mortgage at more than 1 bank/financial institution. Why? This is important because it provides another way out if your mortgage application cannot be accepted by one of the parties and thus this policy will make the payment / DP you paid “safer”.

So, in order for your mortgage application to go smoothly and be approved by the bank, follow the 6 steps of the mortgage process above! It can be useful. 😊

PT Kreasi Finansial Mediatama WTC 5 Building Level 3A Jl. General Sudirman kav. 29-31, Karet, Setiabudi, South Jakarta 12920 Indonesia The PUPR Ministry once said that 81 million Indonesian millennials are struggling to own a home. This is also confirmed by Perumnas latest survey.

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The results of the survey, as cited by Suara.com, revealed that 24.92% of millennials are still not financially capable of owning a home. Also 17, 27 percent admitted that they could not pay the down payment.

Unfortunately, the increase is not in balance with the increase in the minimum wage that the local authorities rely on. As a result, it is increasingly difficult for millennials to own a home.

I took my own example. As an employee with a minimum salary of IDR 2.4 million in Indramayu Regency in 2022, I can actually save up to IDR 480 thousand every month.

Mortgage Adalah Kpr

If the price of a simple house and land is now between Rp. 150 million, it will take 26 years if these savings are expected.

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KPR is a financing product issued by financial institutions such as banks to customers because of owning a home with quite a long term.

As you know, KPR stands for Home Ownership Credit. Abroad, mortgages are generally referred to as mortgages or mortgages

However, home equity loans are actually broader than mortgages. Because a mortgage is a loan that is granted on the basis of collateral in the form of fixed objects, such as houses, other buildings or land.

Currently, almost all banks in Indonesia have a mortgage program. They usually work with housing developers who are in direct contact with customers.

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Those of you who want to own a home through a mortgage can contact the customer directly and then process the loan.

Another option is if you already have a good relationship with the bank, you can take the credit directly and then the bank will contact the real estate developer.

Before you take out a mortgage, the first thing you do is of course check your financial situation. Both current finances and finances down to mortgage standards.

Mortgage Adalah Kpr

If you are too subjective to calculate it, you can ask a bank representative, financial advisor or even a close relative who knows how to calculate your finances.

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If you cannot afford to repay the installments according to their calculations, it is best to cancel them first until you get a better financial situation.

In the meantime, you just need to transfer the funds used for the contributions to the company’s capital to help your financial situation later.

(DP) is generally sufficient to determine the loan amount each month. Many people say that maximizing the amount of the down payment is a wise move.

By increasing the value of the payout, the nominal installments deposited monthly also decrease. Obviously, this can reduce your stress in the future.

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To calculate it, you can use the mortgage calculator. Just enter the house price in House price, down payment, interest rate and duration in Duration – Years. Loan value is calculated automatically.

Finally, click on the Calculate button and you will receive the value of the installment on the full monthly payment and the total installment over the term of the total payments of the loan.

Sometimes you want to have a beautiful residence overlooking rice fields or a beautiful mountain view. But you forget that such conditions are far from where you work.

Mortgage Adalah Kpr

If you need to buy a home for a vacation or a weekend break to disconnect from work, yes please. However, for my daily living, I would not choose one that is far from my workplace.

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The choice of a home for a family with three children and two children is also different. You need to consider the availability of rooms, the size of the room to be insulated and fill it with extra beds so that it does not become a problem in the future.

I once lived in a neighborhood where every Sunday night some residents would often have a single organ with lots of music. This is very annoying. It was announced everywhere. As a result, I chose to leave and look for another place to live.

Well, for those who choose a new home, they also have to pay close attention to environmental conditions like this. Don’t be sorry in the middle of the journey, even if the mortgage is still long.

Attention to environmental conditions is not just a matter of social environment, but please check whether the surrounding area will be affected by natural disasters. Flood is one of them.

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Currently, one of the advantages offered by housing developers is the absence of flooding. You have to keep checking again, which means “no flood” is whether the flood is free into the house or whether it is flood free.

You should know how much it costs to fill the house

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