JAKARTA – Home Loan Mortgage or shortened until now is still a main facility that is utilized by people in purchasing homes. Financing scheme for mortgage bank disbursed according to provisions BI today is 85% of the price of the house.
Indeed mortgages provided by banks, although there has been some finance companies that distribute funds from secondary institutions for housing finance (housing financing).
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own mortgage consumer demand because they offer a number of advantages, including the initial cost is not large. Prospective borrowers are only required to complete the document including the house has paid advances to developers.
Broadly speaking, the general requirements that must be accompanied in the filing of mortgages are as follows:
1. Citizen and domiciled in Indonesia
2. Permanent employees with work experience of at least 2 years
3. Self-employed with at least 3 years of business experience
4. Professionals with at least 2 years practical experience
5. The minimum age at the time of the financing granted is 21 years and maximum age of retirement for employees or 65 years for the self-employed and professionals
6. Have a minimum monthly net income of Rp 3 million to employees, entrepreneurs, and professionals (information for the filing of the area around Jabodetabek)
7. Complete the documents required, among other things:
a) Employees: Identification Card (KTP), Family Card and Letter of Marriage, Salary Slip past or Certificate of salary, current account / savings last 3 months, TIN private
b) Self: Identification Card (KTP), Family Card and Letter of Marriage, current account / savings last 3 months, the Financial Statements last 2 years, Legality Enterprises (Articles of Association following the last change, TDP, SIUP , TIN) TIN personal
c) Professional: Identification Card (KTP), Family Card and Letter of Marriage, current account / savings last 3 months, permit the practice is still valid, TIN personal
in addition, another advantage of the mortgage is the installment period that can be adjusted with the ability. Limit installment longest tenor is 25 years old.
With regard to the length of time, the customer would not know what disaster that would befall them. Whether it’s death, permanent disability, stumbling layoffs, house fires, as well as events that are natural such as natural disasters.
To tackle the solution when the undesirable things that happen, the customer is required to be more careful and understand the forms of protection included in the bank insurance.
“One of the Islamic bank provides a time limit of 14 days for its customers in order to understand exactly what is covered in sheets of credit agreement. And all banks should also apply such patterns, “said CEO of Amana Consulting at once Sharia Banking Specialist, Ahmad Ifham Sholihin.
The goal, according to Ahmad, so there is no misunderstanding in the future, if there is one case that hit the customer.
“In carrying credit agreement clearly specified article by article banks, including any insurance policy that can be enjoyed by customers. Well, as a smart customer, read and understand those chapters and ask if there are poorly understood, “he explained.
“Chatty in matters such as this, is obligatory,” he insists.
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