Know things Acquisition KPR
Who doesn't want to own their own home? Almost everyone will want it. Also, if the house is clean, the atmosphere is comfortable and the design suits your personality. Unfortunately, home prices are so high that it's not uncommon to buy a new home using a KPR or home ownership credit system.
However, even mortgage installments can have their own challenges, such as fluctuating or ever-increasing interest expense. So is it impossible to have a dream house? of course not!You can solve all these problems by doing Acquisition KPR.Well, for those who are still confused, here is Kania Acquisition KPR is deeper and understandable. Yes, check the reviews until it's gone!
Definition Acquisition KPR
Before committing Acquisition KPR, of course, you need to know what it means first. Acquisition KPR is the act of transferring a mortgage and payment from one bank to another. Alternatively, you can transfer from one party overseen by the bank to another. Acquisition This KPR is carried out on the basis of applicable legal grounds and mutual agreement provisions.
Normal Acquisition This mortgage is executed because of low interest on installments, the process of buying or selling a home that is in the mortgage payment stage, or because someone is unable to pay the installment of the home. ..and when Acquisition In the case of KPR, the automatically applied interest is fixed interest and its cost is lower than the previous interest. This happens because you are considered a new customer.
type Acquisition KPR
Well, after understanding the meaning, you also need to know that there are several types take that's all Mortgages available according to everyone's needs. fundamentally, Acquisition KPR can be divided into the following two types.
1.1. Acquisition Interbank KPR
type Acquisition Interbank mortgages are made with the goal of getting lower interest rates than previous banks. This usually happens because the customer finds the installment payments at the first bank too heavy or the offers at other banks more attractive.That's where you can apply Acquisition KPR.
To process Acquisition These interbank mortgages are usually fast because you have a history of submitting mortgages at the first bank. In addition, mortgage installments are also considered possible.However, to be able to execute the type Acquisition This mortgage must be paid at least 12 times or in installments for at least one year at the previous bank. This is because banks also require collateral in the form of land certificates. It is usually issued one year after the KPR application.
2.2. Acquisition Buying and selling of KPR
As the name implies, in kind Acquisition This KPR has sellers and home buyers who are involved with each other. From the seller's point of view, they usually want to sell their home, which is still in the KPR stage. This can be due to a variety of factors, such as not being able to pay in installments or really wanting to sell your home.Now, one solution is to sell the home to another person or party looking for a home to sell by doing Acquisition KPR.
If both agree to do Acquisition When buying or selling KPR, it is the buyer who continues to pay and installment payments until payment is complete.Aside from sellers and buyers, type Acquisition Banks are also involved in this KPR. The procedure will be arranged by the seller and the buyer coming together to the relevant bank. Acquisition KPR.
advantage Acquisition KPR
To do Acquisition KPR certainly has many benefits that can benefit you. This is the first benefit. The first concern you have to bear is Acquisition Mortgages are lower so that installments are lighter. This can happen because of the fixed interest rate (repair) For a certain period. However, when the fixed interest rate ends, the floating interest rate period begins (floating), When interest rates tend to be higher than fixed rates.
On the other hand, the second advantage is that you can get additional funding from the program. Acquisition KPR.The reason is when you do Acquisition KPR, the house is revalued by the bank and the price of the house may be higher than when the first mortgage application was filed at the previous bank.Apart from that, the program Acquisition KPR also provides a period for making installment payments of interest or longer. Therefore, the burden of installment payments is lightened.
procedure Acquisition KPR
In fact, I did the procedure Acquisition KPR depends on the type you choose, and of course the procedures set by each bank also depend on regulations and policies.In fact, some banks offer Acquisition KPR online..Therefore, you first need to understand the bank that offers it Acquisition KPR and ask each step in detail.
Documents you need to do Acquisition KPR
do it Acquisition Of course, KPR has some files and documentation that need to be completed to support program sustainability. The required files are a copy of the building permit (IMB). The certificate of the house with the description stamped on it Acquisition KPR, copy of SPPT PBB for the last 5 years, payment letter, copy of last installment receipt, and copy Credit agreements signed between homeowners, banks, and Developer.
In addition, there is also a copy or copy of the required seller and buyer identification documents: KTP, family card, NPWP, employee proof of full-time employee, and professional training license. Now that you have provided all of these files and the bank approves your submission, you will be issued a Certificate of Sale (AJB) and the Power of Attorney (SKMHT).
It's information about Acquisition Mortgages you need to understand before you do it will prevent you from taking the wrong steps.Finally, be sure to do it Acquisition We will officially carry out KPR through our banks to avoid any potentially harmful risks.
You are ready to buy your dream home in the program Acquisition KPR? If you still don't get the right occupancy, you can find it at Dekoruma House. There are many best-priced homes to choose from in different parts of Jabo de Tabek, including homes for sale in South Jakarta, Depok and Tangerang.
Also, be sure to buy furniture at Decorma. Decorma sells mattresses, sofas, cupboards and dining chairs. Decorma sells not only furniture, but also pots, stoves and spatulas as household utensils. Make your dream home a reality with Decorma!
Source : http://i0.wp.com/www.dekoruma.com/artikel/112840/memahami-take-over-kpr
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