Mortgage requirements that must be met to facilitate the process
="font-weight: 400;">KPR or home ownership credits have led many Indonesians to achieve their dream home. The installment bank loan system brings everyone closer to a solution to their housing needs. However, this program does have KPR requirements that must be followed. So what are the KPR requirements that you need to know and meet? Check out the reviews from Kania below!
1. Are you an Indonesian citizen?
The first KPR requirement is the most important BasicThat is, you must be an Indonesian citizen (WNI). In fact, there are some banking institutions that foreigners (WNAs) are willing to accept applications for applying for KPR. However, on average, this is the first thing that must be met with KPR requirements.
2. Age limit for KPR applicants
The minimum age limit for applying for KPR depends on the bank or non-bank. However, the average minimum age required for KPR is 18-21 years old or already married. On the other hand, according to the policy of KPR provider institutions, the maximum age for credit termination is 55-65 years.
3. Length of work or business
Currently, KPR is a fixed amount over a period of time, so applicants are obliged to prove their ability to pay on a regular basis as part of their fulfillment of KPR requirements. This can be shown, for example, by employment status as a full-time employee, entrepreneur, or professional.
For employees, the length of service considered eligible for KPR requires at least one year of work experience at the last company, or a total of at least two years of work experience. On the other hand, entrepreneurs and professionals must be able to show that they have mastered business in the same field in the last two years.
4. Insurance
Applicants must be able to assume KPR requirements in the form of ownership of life and fire insurance in accordance with the banking provisions on the insurance policy. This policy clearly states that the Bank will be compensated in the event of an incident against the subject of compensation.
Regarding KPR, there are generally different policies for each bank or non-bank.For example, if you ask the applicant to take out fire insurance at the same bank, you will get permission. Endorsement bank clause Or it will be added to the insurance you previously owned.
5. Signing the contract
The KPR program involves the KPR provider (creditor) as the party lending money to buy the home and the applicant as the borrower (debtor). There are binding legality elements established in credit agreements and certificates or APHT.
As one of the conditions of KPR, the mortgage loan certificate regulates all the conditions regarding the granting of mortgage rights from the debtor to the creditor in relation to the debt guaranteed by the mortgage.
6. Make a payment
The most important requirement of KPR is to make regular payments that can be arranged according to the relevant bank policy. This payment is usually an automatic debit from the applicant's account at the mortgage provider bank. If payments are smooth to the end, you will be able to live more comfortably in your new home!
7. Document requirements
Document-based KPR requirements vary significantly depending on the employment status of the applicant. However, some of the basic documents that must be completed for all professional status applicants are:
- A copy of the applicant's KTP
- Husband / wife KTP copy
- Copy of family card
- A copy of the marriage / divorce / spouse's death (depending on the conditions).
- Copy of NPWP
- Monthly pay slip / income certificate
- Copy of checking account or savings account
If the applicant uses the combined income system with his wife or husband as a way to pay the KPR, the applicant must attach the required KPR documents to each. The spouse must also attach a notary's separation certificate and register with KUA or civil registration (if any).
If the applicant wishing to meet the KPR requirements is in the form of an entity, there is a set of other important documents such as SIUP, TDP, company certificate, and some statements that need to be attached. KPR Terms Related To Buying a Home At Developer Alternatively, it can be placed in another document for KPR via a broker.
These are the KPR requirements that must be met in order to be approved. Now all you have to do is contact your mortgage provider and complete your mortgage requirements so you can quickly become a homeowner! Hopefully this article will help you bring your dreams home, yes!
If you are still looking for a suitable home, you can find it at Dekoruma House, you know! There are many choices of homes at the best prices from different regions of Jabo de tabek you can choose. For example, there are homes for sale in West Jakarta, BSD and Depok, and new homes in Tangerang and Bekasi. Decorma has made your dream home a reality!
Source : http://i0.wp.com/www.dekoruma.com/artikel/119774/syarat-kpr-yang-wajib-dipenuhi
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