Siska with her husband finally able to realize their dreams: owning their own home.The process of owning a house is arguably very long, it takes a struggle to the point of death. Uh, die dong. Hehehe
But really, buying a house requires a process that is not simple. Many stages must be lived until the coveted house certificate can get to the hand. "Until pengay dateng dateng wrote to the president, ask to be bought home, so stay make," Siska said with a laugh.
Siska itself takes two months more than time to find a house coveted until the bank approve the financing through mortgages (KPR). Buying a home through a mortgage is often so an option because it is very lighten people who want to have a home but not enough savings.
"If you wait until enugh money, that there is a coveted house already disamber others, not to mention the price must go up," said Siska.
Because of the search for new housing that is easy to access or close to the location of work and her husband failed to continue, Siska finally buy a house that fits his needs. Without long wait, he's looking for information on how to apply mortgages for a used house.
Thanks to the help of friends Siska husbands who have experience using mortgages for secondhand homes, Siska passing stage by stage purchase to completion. Here are the steps Siska passes through his experience:
1. Deal with the seller
A house valued at Rp 500 million offered by Siska hinga stuck at the number Rp 500 million fitting. Because later the bank will not finance the mortgage in accordance with the price of the house. So for example the house price of Rp 500 million, which is financed by KPR may only Rp 320 million.
Because the bank will conduct a valuation survey (appraisal) to estimate the price of the house, which often is always below the price set by the seller. In the case of Siska, an explanation of appraisal is in the third stage below.
"I went out of style in the market. Difference 500 silver also I will bargain, "said Siska.
2. Meet the bank
After price deal with the seller, Siska only given 2 weeks to look for mortgage at bank. Fortunately he succeeded in getting a mortgage match with his financial ability.
When applying for KPR, Siska brings the following documents:
- Family card and ID card
- NPWP
- Marriage certificate
- Last 3 months salary
- Certificate of Employment
- Last 3 months savings bank account
"Up at the bank, I forgot to bring home documents that I want to buy. Yes cook to ask to buy home but there is not a house file. Hahaha, "said Siska.
Actually, the missed documents can be sent by e-mail to the appointed bank officer. But Siska chose to go home first because the location of the bank close to where he lived.
House documents that should be brought Siska it must be requested from home sellers, namely:
- Photocopy of certificate
- Photocopy of building permit (IMB)
- Photocopy of final UN payment receipt
- Letter of home buying and selling agreement between seller and buyer signed on stamp duty.
3. Appraisal
This is the stage that makes Siska and her husband dag-dig-dug a second time. It was time for the appraisal of the house after they were deemed to be potential borrowers after checking their finacialondition and escaping the BI checking blacklist.
As explained earlier, the bank will survey the house to determine the price of the house. This stage is not there if the house purchased a new status. Because the bank has worked with developers to determine the estimated price and mortgage ceiling for the home buyer .
In this process, Siska did not participate, enough bank officers and homeowners. Siska was only asked to pay appraisal fee of Rp 450 thousand.
In this process, Siska did not participate, enough bank officers and homeowners. Siska was only asked to pay appraisal fee of Rp 450 thousand.
Incidentally the bank that he chose to file the KPK set the provisions pay appraisal in advance, so that the cost would be burned if later KPR is not approved. Some other banks charge these fees after the mortgage application is approved.
After the appraisal has been completed, the bank informs Siska that the estimated price of his target house is only Rp 400 million! And the bank will only lend 80% x apraisal price alias 80% x Rp 400 million = Rp 320 million.
That means Siska must provide Rp 180 million to be paid to the home seller. Plus prepare a mortgage fee that is usually 10% of the total loan from the bank.
"Fortunately, my savings and my husband is quite thanks to the bonus last year. If you can not, you can cry over, "said Siska, who advised not to use credit without collateral (KTA) to pay DP KPR
4. Letter of credit agreement
After appraisal stage is complete, Siska just signed a credit agreement. But the bank will make a letter of credit agreement (SPK) first.
Previously he had got an illustration of mortgage payments from the bank he was heading, so that approximately already know the contents of the SPK. When looking at the SPK, what he noticed was:
(I) Big interest
He deliberately uses a conventional bank, not sharia, because there are low interest facilities and fixed for the first 2 years.
(Ii) Penalty
Penalties are fees charged if the debtor repays part or all of the loan before the term of the loan expires. For example, the credit period is 15 years, and in the 10th year the debtor will pay it off because there is a sustenance. Banks usually charge a penalty of 1% of the remaining principal.
(Iii) Details of mortgage cost
This is what details buyers should pay. Read carefully so there is no cost that should be paid by the seller instead of the paying buyer, such as roya certificate and sales tax.
KPR costs include:
- Notary fees
- Provision fees
- Fire and life insurance
- Taxes
(Iv) The appointment of a notary
Notary who will take care of the legality of all documents appointed by the bank upon approval of the debtor. So for example the debtor does not fit the notary for some reason, he can ask for a change. And unlike the cost of bank mortgage, the debtor may bargain the notary fee.
"I'm looking for a notary who in the deket home let me file files or signatures nothing easy, live the way," said Siska.
5. Signing of contract
After the bank agrees to disburse the mortgage and Siska also agrees with the contents of the SPK, it's time to sign the contract. Siska as a buyer signs two types of contract, namely contract of sale (buyer and seller of house) and credit agreement (home buyer and bank giving mortgage).
In signing the credit agreement, there are several steps that must be taken Siska, namely:
- Pay off the mortgage and notary fees.
- Requesting the scheduling of the credit agreement signing to the bank and notary (the sooner the better).
- Submit required documents, such as KTP, KK, and NPWP to a notary. In this step the seller must also submit a home file, such as a certificate, IMB, the original UN and a photocopy to the notary.
- Waiting for a notary to check the validity of the documents.
- Signing agreement with the seller (husband and wife) and bank officer in front of the notary. Siska is required to come with her husband. Before signing, all parties are required to show original KTP and KK. Then the notary will read the rights and obligations of the parties.
Once the signature affairs are completed, the bank will transfer the home purchase money to the house seller. Then the notary will process back the name of the house certificate to be on behalf of the buyer. The certificate along with the IMB and the original PBB will be given to the bank as collateral for KPR.
While Siska and her husband came home with empty hands and blank stares. Haishaah .. No, Siska certainly got the house key. He is allowed to take photocopies of certificates, deeds of sale and IMB to a notary three months after signing of the credit agreement.
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