KPR BCA realizes the dream of owning a house with low interest
Now, many people think that it will be harder to own a house because land prices are becoming increasingly sky-high, so a house is just wishful thinking for some people. However, KPR BCA realizes your dream of getting a comfortable and absolutely affordable housing.
So the stereotype of the difficulty of getting a house can be destroyed. KPR BCA understands that workers’ incomes are increasingly incomparable with the increase in land and house prices. That certainly makes it difficult for people to buy their dream home.
Therefore, KPR BCA offers a solutionby offeringa decent and affordable residential area. Using the KPR system, homes offered by the BCA are paid for ina monthlyor credit manner. BCA will require the building first which will then be sold to consumers.
Of course, the payment system will not burden consumers, so now mortgages are very popular and a way to have a comfortable dwelling without large capital.
With this , KPR BCA realizes your dream of being able to own a house with all its advantages compared to other KPRs. The following are the reasons why you should choose KPR BCA as a solution to get a safe, comfortable and affordable housing.
Elements of the KPR system
Before discussing further about the privileges of mortgages from BCA banks, you need to know the important elements that will always exist in the world of mortgages. The following is the explanation for you:
A down payment is money given to the developer before you start paying in installments, this money is one of the credit requirements. The amount can be adapted to the provisions of the individual KPR.
Time limit agsuran your house. The principle is that the longer the deadline is taken, the smaller the number of monthly installments. But the shorter the deadline is taken, the larger the monthly installments you will have to pay.
The interest rate is an additional interest charged to the consumer in addition to the main interest. Interest rates usually always increase per year, therefore you need to choose a mortgage with a low interest rate.
For example, BCA only sets an interest rate of less than 10%. This is one of the KPR BCA agendas to realize the dream of banyak people who want to have a sheltered tempat.
- Changes to the certificate
This change in the certificate is closely related to the ownership of the house. When the house is not paid, the certificate is given the right of use of the building (HGB). However, once your house is paid, you will need to changethe certificate to a Certificate of Property Rights (SHM).
Income is your personal income per month. Because this is one of the requirements for applying for a mortgage. You must have a stable and stable income.
Advantages of KPR BCA
Bank BCA is not the only bank that offers mortgages to its customers, but this bank has more advantages than its competitors. These benefits will greatly benefit customers, here are the advantages of KPR BCA:
- No penal servitude
The penalty here is a sanction given by the bank when the customer wants to pay the remaining bill before the deadline. The amount of penalties you have to issue is 1% of the remaining debt. This is certainly very harmful to you personally.
On that basis , KPR BCA realizes your dream of being able to pay your house faster and without penalties. So you can feel safe not to be haunted by worry.
- Interest-free for up to three years
Interest rates are something that annoys mortgage customers the most. Because the value is quite large and has no impact at all for you. Unlike KPR BCA, which does not charge interest for up to three years.
Even after three years have passed, bca mortgage rates are very low and won’t burden you.
- Simple requirements
The basic requirements to get a mortgage are very simple. If you are an entrepreneur,a business has been established for at least 2 years with adjusted profits.
However, if you are an employee at least you must have two years of diving experience and work in a new office for one year. In accordance with its purpose, KPR BCA realizes everyone’s dreams with its convenience.
- Proven reliable
It’s no secret, if BCA bank is a bank that almost never experiences major problems. That’s what makes him widely trusted by all circles. Therefore, by purchasing a KPR BCA , you don’t have to worry about getting hurt.
- Fast authentication
From the application process to approval, the KPR BCA is known for its to the point and not lengthy procedures. Therefore, the approval process is very fast.
How to apply for a mortgage in Bank BCA
The procedure for applying for a mortgage in this bank is not so complicated, you will also be fully guided by the bank manager. KPR BCA realizes customers’ dreams with a simple process, namely
- Prepare the required files
Completeness of files is one of the main requirements for applying for a mortgage. The files will usually be notified by the appropriate bank manager.
- Visit BCA Bank
After all the files are completed, you need to come to the bank directly for the credit application process. You will be guided by the relevant officer regarding further steps.
After you provide the file and complete after each step, the bank will be immune for some time. They will get back in touch with you once the process is complete.
Advantages of using the KPR system
Although the price of a house with a mortgage system is more expensive than when buying it in cash, but because it is paid with agsuran, it feels easier. On the other hand, KPR BCA realizes everyone’s dream of owning a house, because it realizes the great benefits of the KPR system.
- The payment feels easy due to diangsour little by little. It’s different if you buy it in cash that requires spending hundreds of millions of dollars, of course it will feel heavy.
- Onegsuran per month can be adjusted to the monthly income. This is because KPR BCA does not intend to charge its customers.
- Fortunately, once you resell it when angsuran is finished because the price of the building will continue to rise.
- It can be used for low-capital investing by contracting with your mortgage until it’s paid off. So you don’t have to pay it because it’s paid for by the tenant.
KPR tricks that should be easy to accept
Although it is quite easy to apply for a mortgage, the decision to accept is quite difficult because the bank must be very careful so that in the future it will not harm them. For those of you who want a mortgage fast, here’s the trick.
- Choose a house with installments according to your income.
- Make sure that your career is in a stable stage, as this is the main factor in the admission decision.
- Make sure that the file to be given to the bank is completed.
- Make sure you don’t have other installments. Because if you have other installments, the chances of receiving it will be very small.
- Apply for credit according to your ability.
Miscellaneous related to KPR BCA realizing dreams are certainly very numerous and useful. This is because this bank has advantages compared to other banks that offer mortgages.