Looking Property Bank Credit

Looking Property Bank Credit
Direct bought the property a house in cash after a week or a month to get married? Wow, a very rare thing today. In fact, already married for years, but the house was as small as ants do not have a home. Still moving from one contract to another contract.

Age can not be stopped. Approaching retirement age. Especially the last resort if it was not seeking property loans to banks. Expect to get a house inherited from a parent or a grandmother and grandfather, it was not possible because it is not able to come from families whose parents have some houses that will be distributed to the children.

Requirements
In general terms the property either apply for credit mortgages (Housing Credit) or NAC (Apartment Ownership Loan) is almost the same at every bank. The main thing is to potential creditors or the term can indeed be trusted to have good credibility with a good track record.

In addition, the ability to pay creditors in accordance with his income potential. There should not be paying off debt more than 30% of income per month. Collateral also sometimes be one factor considered by the bank to provide the requested credit.

Looking Property Bank Credit 

Documents required
For an employee, the document must be prepared is a photocopy of ID card wife / husband. Photocopies of family cards, copies of marriage certificate, copies of TIN or SPT PPh 21, copies of current / savings account during the last 3 months, the original salary slips or income certificate.

For an entrepreneur, these requirements coupled with a photocopy of Business License / TDP / SIP and a photocopy of the Company Balance Sheet and Income Statement for the last 2 years, but certainly not the employer must attach the original pay slips or income certificate.

For professionals, the requirements in addition to such requirements shall be submitted to employers, but no copies of the balance sheet and Income Statement for the last 2 years, these professionals must also attach a copy of Permit Practice.

Bank customers
In order to quickly obtain assurance whether the property loan application is approved or not, it's worth applying for a loan to a bank in which the complainants have become customers of the bank credit is concerned for many years. Thus, the bank was well aware that the credibility of the prospective lender.

If not, the bank usually will find information to Bank Indonesia, whether prospective lenders included in the black list or not and how the candidate's track record of paying creditors in a credit card and other loans from other banks.

Cooperation with Developers
It would be easier to get credit when working with housing developers a place to buy your dream house. Not infrequently that prospective home buyers do not have to pay a Down Payment (cash advance) because the developers have had in the bank bailout that Talah appointed.

This method could be a way out for the extremely destitute to buy a house. Indeed if you think about it, paying to the bank credit is more advantageous than have to move where the rented every some period of time. In addition there is also energy efficient sense of calm that one day the house will become the property itself.

Insurance
When the fear of things not desirable because of one reason or another, such as houses confiscated because unable to pay. Or homes confiscated because creditors and heirs died in limbo because no bailouts have, it is better to follow the insurance. So when negative things happen, asuransilah party will bear all of the mortgage. Looking Property Bank Credit 

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