As I have written before, the purchase investment property loans of a house can be done in two ways: cash or credit. You can buy a house in cash when you have the money value equal to the price of a house that you want. For example, when house price is Rp 100 million (land plus building), then you can buy a house in cash when you have cash of Rp 100 million.
The problem is, most families are middle-level economy to the bottom often do not have as much cash. The amount of cash that they may have only 60% of them, 40% of them, or even only 30% may be it. And how the solution? investment property loans The solution is to buy a house on credit.
Now, you can not take credit? If you come to the banks, the banks usually have a product that credit can be used to buy a house. The name of this product is KPR or Credit Home Ownership. To be able to take KPR, the banks usually will not want pay your home 100%. They will only pay your house around 70% of the price of the house, the remaining 30% must pay your own from your bag.
How? investment property loans If the price of the house you want is Rp 100 million, then you must first pay 30% of it from your bag (in this case means that Rp 30 million). After that, the bank will settle the remaining 70% (Rp 70 million). Here, 30% of the amount you pay is considered by the bank as the Money Front (Down Payment = DP), and 70% of the amount loaned to the bank to pay the price of the remaining debt will be the home for you that you must pay investment property loans, of course, accompanied by flowers.
Next question, whether you have sufficient funds to pay for the Money Front, which is 30%? If so, good. This means that you continue to live the next step, namely a request KPR (Home Ownership Loan) to the bank. But what if you do not have the funds to pay for the Money Home? This means you must saving it first, and do not impose themselves to submit application for KPR now. Remember, once again, the bank will provide credit only if you want to pay a total of 30% it first. If you do not have the money that 30% of it is, you should saving the first.
investment property loans Submits Application to the Bank
Okay, you have to see the house and already know the price. You also have calculated that you have sufficient funds to pay a portion of 30% as Money Home Front. Now, you decide to submit application for KPR to the bank.
At this time, most banks generally provide facilities KPR. You can come to one of the bank located near the place where you live, to come to its Customer Service and express your purpose. They usually will submit an Application Form KPR to take your home and contents, and then to be submitted again to the bank. In the banks cliché will read your answers and edited.
O yes, not all of KPR Application of the customer will be accepted by the bank. This is because banks usually have their own criteria in the permit application form KPR the entrance to them. What are the criteria?
1. The person must be a maximum of 50 years when submitting application for KPR to the bank.
2. The person concerned must have been investment property loans working and have income, which is proven by the existence of certain documents. Revenue is the amount must be at least 3 times the amount of the installment KPR desired each month, when it approved KPR
3. When people are in debt have been elsewhere, then that person must have a history of good credit payment in there, especially during the last twelve months.
Application KPR strategy to be Accepted
Now, see these criteria, there is a good idea if you have a specific strategy before submitting application KPR to the bank. The aim is that you can KPR Application approved by the bank. Therefore, there are three things that must be considered before you submit application for KPR to the bank:
1. Prepare the necessary financial documents:
Prepare financial documents that would (or almost certainly) investment property loans will be requested by the bank. What is it? If you are an employee who worked in the company, the documents will be requested by the bank are:
a. Letter of Information Working in the company (at least you should have been working at the company for 2 years)
b. Salary Original Slip
c. Bank account records (at least during the last 3 months)
If you are a wiraswastawan, the documents will be requested by the bank are:
a. Customer list you (if possible)
b. List of Suppliers you (if your business is business trade)
c. Proof of Financial Transactions with your customers (such as voucher or invoice)
d. Bank account records (at least during the last 3 months)
e. NPWP (Tax)
f. SIUP (Permit Trade Business) if your business is business trade)
G. TDP (List Company)
If you are a professional, the documents will be requested by the bank are:
a. List your customers or clients (if possible) investment property loans
b. Proof of Financial Transactions with your customers (such as voucher or invoice)
c. Bank account records (at least during the last 3 months)
d. NPWP
e. Permit practice (for some certain professions)
2. Prepare the comprehensiveness of the document that will guarantee proposed
When you buy a house on credit, then the house will be purchased is usually requested by the bank are pledged to them. This means, if you can not pick your payment installment KPR (jammed and there is no resolution), then it will be home by the bank to replace the remaining debt that have yet to pay.
That's why it is important for banks to check the completeness of earlier documents from the house that are pledged it will be. What is the document?
a. Land Certificates
b. Certificates IMB + Blue Print (blue print the pictures home)
c. SPPT the United Nations last year
Thus, for you to pay installments investment property loans KPR you, then these documents will be stored by the bank until you KPR installment paid. So, make sure you check first completeness of these documents before you submit your application for KPR to the bank.
3. Improve Your Financial Appearances
You also need to improve your financial appearance to the bank's "impression" that both of your finances. By improving your financial appearance, it will be larger the probability that the bank will accept your application KPR. Therefore, below are some things that must be considered in improving your financial appearance:
a. Fix Notes Bank Account that you have.
When you work as employees, the bank will ask the salary slip as proof that you indeed have a certain amount of revenue each month. However, do not forget that the bank may not believe it to the salary slip. The Bank usually will still require a record of your bank account (usually a newspaper report investment property loans accounts or savings books) to prove whether it is true there are a number of money entering the exact same value as listed in your salary slip.
Now, when you get a regular income in cash (not transfer), (whether you work either as employees, professionally, or wiraswastawan) then try to make them more income to your account first, before you use it to pay for spending your day-to-day. Thus, the bank can prove that you indeed have a regular income of at least about the rupiah each month.
And, if they can, try to record bank account shows the income of at least three to six months of your income.
b. Run your debt payments in other places.
If you have debt in other places (such as credit card debt or loans to other banks), try not to make payments charged to misfire. As for your information only, the bank can analyze and have a way of estimating the financial investment property loans condition of your real one if you are ever stuck or do not pay the debt in other places. If that is estimated to have stuck in your debt you pay in other places, you can request your credit will be rejected because banks fear the same thing can be repeated to them. So once again, your debt payments launches elsewhere.
So, now what if you had been stuck in debt to pay bills in other places? If it just happens, then you should delay your request KPR and expedite the payment of debt in the first place to the other is - at least the next twelve months. After twelve months, submit a new application investment property loans KPR you again to the banks, because even if you never have a bill stuck in other places, but you expected financial condition is good again in twelve months. Once again, the bank can analyze and have a distinctive way to estimate the financial condition of your real one is whether the recently you had stuck to pay the debt in other places.
c. Set the proportion of your debt repayments.
Note that the bank may be - will reject your application KPR when your total installment debt (including repayments when you approved KPR) is the third (or approximately 33%) of your income.
For example, if your regular income of Rp 2 million per month, and each month, you install investment property loans this and it is in other places around Rp 600 thousand each month. This means that the total installment debt each month you are eating about 30% of your regular income of Rp 2 million per month. Now, KPR If your application is received by the bank and you must pay an additional installment of KPR for example, Rp 400 thousand a month, then this means your total installment debt is Rp 1 million (or eat around 50% share of revenue from your routines). This is where the bank may reject your application for KPR.
This is because the bank argues that if the total installment debt you take a larger portion than a third of your regular income, the bank's "fear" so difficult that you pay your household expenditure that other, so that may be tempted to take the portion that should be used to pay for KPR installment. eventually, KPR repayments are not due each month because of the money used to pay for household expenses.
So at this time when you have installment debt that totals have reached 33% of your regular income, do not you please KPR application can be accepted. Reduce first portion of debt repayments that 33% of these, you can expect a new application that you can KPR received. Once again, for banks, the installment all your debt, plus installment KPR you (if approved), should take the portion investment property loans of the maximal 1 / 3 or 33% of your revenue routines.
The problem is, most families are middle-level economy to the bottom often do not have as much cash. The amount of cash that they may have only 60% of them, 40% of them, or even only 30% may be it. And how the solution? investment property loans The solution is to buy a house on credit.
Now, you can not take credit? If you come to the banks, the banks usually have a product that credit can be used to buy a house. The name of this product is KPR or Credit Home Ownership. To be able to take KPR, the banks usually will not want pay your home 100%. They will only pay your house around 70% of the price of the house, the remaining 30% must pay your own from your bag.
How? investment property loans If the price of the house you want is Rp 100 million, then you must first pay 30% of it from your bag (in this case means that Rp 30 million). After that, the bank will settle the remaining 70% (Rp 70 million). Here, 30% of the amount you pay is considered by the bank as the Money Front (Down Payment = DP), and 70% of the amount loaned to the bank to pay the price of the remaining debt will be the home for you that you must pay investment property loans, of course, accompanied by flowers.
Next question, whether you have sufficient funds to pay for the Money Front, which is 30%? If so, good. This means that you continue to live the next step, namely a request KPR (Home Ownership Loan) to the bank. But what if you do not have the funds to pay for the Money Home? This means you must saving it first, and do not impose themselves to submit application for KPR now. Remember, once again, the bank will provide credit only if you want to pay a total of 30% it first. If you do not have the money that 30% of it is, you should saving the first.
investment property loans Submits Application to the Bank
Okay, you have to see the house and already know the price. You also have calculated that you have sufficient funds to pay a portion of 30% as Money Home Front. Now, you decide to submit application for KPR to the bank.
At this time, most banks generally provide facilities KPR. You can come to one of the bank located near the place where you live, to come to its Customer Service and express your purpose. They usually will submit an Application Form KPR to take your home and contents, and then to be submitted again to the bank. In the banks cliché will read your answers and edited.
O yes, not all of KPR Application of the customer will be accepted by the bank. This is because banks usually have their own criteria in the permit application form KPR the entrance to them. What are the criteria?
1. The person must be a maximum of 50 years when submitting application for KPR to the bank.
2. The person concerned must have been investment property loans working and have income, which is proven by the existence of certain documents. Revenue is the amount must be at least 3 times the amount of the installment KPR desired each month, when it approved KPR
3. When people are in debt have been elsewhere, then that person must have a history of good credit payment in there, especially during the last twelve months.
Application KPR strategy to be Accepted
Now, see these criteria, there is a good idea if you have a specific strategy before submitting application KPR to the bank. The aim is that you can KPR Application approved by the bank. Therefore, there are three things that must be considered before you submit application for KPR to the bank:
1. Prepare the necessary financial documents:
Prepare financial documents that would (or almost certainly) investment property loans will be requested by the bank. What is it? If you are an employee who worked in the company, the documents will be requested by the bank are:
a. Letter of Information Working in the company (at least you should have been working at the company for 2 years)
b. Salary Original Slip
c. Bank account records (at least during the last 3 months)
If you are a wiraswastawan, the documents will be requested by the bank are:
a. Customer list you (if possible)
b. List of Suppliers you (if your business is business trade)
c. Proof of Financial Transactions with your customers (such as voucher or invoice)
d. Bank account records (at least during the last 3 months)
e. NPWP (Tax)
f. SIUP (Permit Trade Business) if your business is business trade)
G. TDP (List Company)
If you are a professional, the documents will be requested by the bank are:
a. List your customers or clients (if possible) investment property loans
b. Proof of Financial Transactions with your customers (such as voucher or invoice)
c. Bank account records (at least during the last 3 months)
d. NPWP
e. Permit practice (for some certain professions)
2. Prepare the comprehensiveness of the document that will guarantee proposed
When you buy a house on credit, then the house will be purchased is usually requested by the bank are pledged to them. This means, if you can not pick your payment installment KPR (jammed and there is no resolution), then it will be home by the bank to replace the remaining debt that have yet to pay.
That's why it is important for banks to check the completeness of earlier documents from the house that are pledged it will be. What is the document?
a. Land Certificates
b. Certificates IMB + Blue Print (blue print the pictures home)
c. SPPT the United Nations last year
Thus, for you to pay installments investment property loans KPR you, then these documents will be stored by the bank until you KPR installment paid. So, make sure you check first completeness of these documents before you submit your application for KPR to the bank.
3. Improve Your Financial Appearances
You also need to improve your financial appearance to the bank's "impression" that both of your finances. By improving your financial appearance, it will be larger the probability that the bank will accept your application KPR. Therefore, below are some things that must be considered in improving your financial appearance:
a. Fix Notes Bank Account that you have.
When you work as employees, the bank will ask the salary slip as proof that you indeed have a certain amount of revenue each month. However, do not forget that the bank may not believe it to the salary slip. The Bank usually will still require a record of your bank account (usually a newspaper report investment property loans accounts or savings books) to prove whether it is true there are a number of money entering the exact same value as listed in your salary slip.
Now, when you get a regular income in cash (not transfer), (whether you work either as employees, professionally, or wiraswastawan) then try to make them more income to your account first, before you use it to pay for spending your day-to-day. Thus, the bank can prove that you indeed have a regular income of at least about the rupiah each month.
And, if they can, try to record bank account shows the income of at least three to six months of your income.
b. Run your debt payments in other places.
If you have debt in other places (such as credit card debt or loans to other banks), try not to make payments charged to misfire. As for your information only, the bank can analyze and have a way of estimating the financial investment property loans condition of your real one if you are ever stuck or do not pay the debt in other places. If that is estimated to have stuck in your debt you pay in other places, you can request your credit will be rejected because banks fear the same thing can be repeated to them. So once again, your debt payments launches elsewhere.
So, now what if you had been stuck in debt to pay bills in other places? If it just happens, then you should delay your request KPR and expedite the payment of debt in the first place to the other is - at least the next twelve months. After twelve months, submit a new application investment property loans KPR you again to the banks, because even if you never have a bill stuck in other places, but you expected financial condition is good again in twelve months. Once again, the bank can analyze and have a distinctive way to estimate the financial condition of your real one is whether the recently you had stuck to pay the debt in other places.
c. Set the proportion of your debt repayments.
Note that the bank may be - will reject your application KPR when your total installment debt (including repayments when you approved KPR) is the third (or approximately 33%) of your income.
For example, if your regular income of Rp 2 million per month, and each month, you install investment property loans this and it is in other places around Rp 600 thousand each month. This means that the total installment debt each month you are eating about 30% of your regular income of Rp 2 million per month. Now, KPR If your application is received by the bank and you must pay an additional installment of KPR for example, Rp 400 thousand a month, then this means your total installment debt is Rp 1 million (or eat around 50% share of revenue from your routines). This is where the bank may reject your application for KPR.
This is because the bank argues that if the total installment debt you take a larger portion than a third of your regular income, the bank's "fear" so difficult that you pay your household expenditure that other, so that may be tempted to take the portion that should be used to pay for KPR installment. eventually, KPR repayments are not due each month because of the money used to pay for household expenses.
So at this time when you have installment debt that totals have reached 33% of your regular income, do not you please KPR application can be accepted. Reduce first portion of debt repayments that 33% of these, you can expect a new application that you can KPR received. Once again, for banks, the installment all your debt, plus installment KPR you (if approved), should take the portion investment property loans of the maximal 1 / 3 or 33% of your revenue routines.
