How to get a home loan
How to get a home loan, it turns out that it requires several letters from those who want home loans. Home loans or mortgages are the main things to be able to have a dream home. Many people don’t know that credit for a house actually requires several important conditions. It’s different when you want to buy a house, the conditions used are only repayment and meeting with a notary from the bank.
As you know, if you want a home loan, you have to be prepared to deal with a bank. To take a house, you also have to understand the types of home loans. Don’t just take it home. because each mortgage has a different method and payment system.
There are 2 types of home loans available namely
Subsidized mortgages
Therev – It is a type of housing program by the government. Helping low-income people to find a place to live.
Non-subsidized Credit
It can be owned by everyone with predetermined conditions. In Non-subsidized KPR the value of money for credit is determined by the bank so that the amount and amount of interest also adjust from the bank.
Mortgage Terms
To be able to get your dream house, of course, you will choose the type of house with a strategic location. To be able to get according to your dreams, you have to prepare several important conditions in taking a home loan. Here are some conditions that you must follow:
- Have an identity card
- Still an Indonesian citizen
- Those who can apply for credit are at least twenty-one years old
- Still have a steady job with a steady income
- Prepare information on the annual salary earned
- Photocopy of bank statement
- Photocopy of KTP and passport
If you have a business then make your business certificate such as:
- Photocopy of business NPWP
- Business License
With these conditions, you can apply for a mortgage quickly. But there are things you have to remind yourself that the bank has the right to decide to give permission to qualify for those of you who want to take a mortgage.