Currently, as land prices are increasingly soaring, many people think that owning a home will be more difficult, so houses are just wishful thinking for some people. However, KPR BCA will make your dream come true to get a comfortable and certainly affordable residence.
So, the stereotype of difficulty of getting a house can be destroyed. The KPR BCA understands that workers’ incomes are increasingly incomparable to rising land and house prices. It certainly makes it difficult for people to buy the house of their dreams.
Therefore, KPR BCA provides a solution by providing a decent and affordable residential area. Using the KPR system, the housing provided by the BCA is paid monthly or on a credit basis. BCAs first claim the building and then sell it to consumers.
Of course, settlement credit systems do not burden consumers, so mortgages are very popular now and are one way to have a comfortable residence without large capital.
With this, KPR BCA will realize your dream of being able to own a home with all the advantages compared to other KPRs. Below are the reasons why you should choose KPR BCA as a solution to get safe, comfortable and affordable housing.
KPR System Elements
Before discussing mortgage privileges from BCA banks further, you should know the key elements that will always exist in the world of mortgages. Below is the explanation for you:
- Head gold
The down payment is the money given to the developer before starting the installment, and this money is one of the credit requirements. The amount can be adjusted to suit the provisions of each KPR.
Time limit g Su Lan, your home. The principle is that the longer the deadline, the fewer monthly installments there will be. However, the shorter the deadline, the larger the monthly installment.
Interest rates are additional interest charged to consumers in addition to the main interest. Interest rates usually always rise from year to year , so you should choose a low interest mortgage.
For example, BCA sets only interest rates that are less than 10%. This is one of the agenda of the KPR BCA to realize the dreams of the people of Bunny Ack who want to have a protected tempat.
- Modifying a Certificate
This change in the certificate is closely related to the ownership of the house. If the house has not been paid off, the certificate given is the Right to Use of the Building (HGB). However, once your home has paid off, you will need to change the certificate to a Certificate of Property Rights (SHM).
Income is personal income per month. Because this is one of the requirements for applying for a mortgage. You need a stable and stable income.
Benefits of a KPR BCA
Bank BCA is not the only bank to offer mortgages to its customers, but this bank has many advantages over its competitors. While these benefits bring significant benefits to our customers, the benefits of a KPR BCA include:
- No penalty sanctions
The penalty penalty here is a sanction given by the bank when the customer wants to repay the remaining invoice before the deadline. The amount of the penalty you must issue is 1% of the remaining debt. This is certainly very harmful to you personally.
Based on that, KPR BCA will realize your dream of being able to pay off your home faster and without penalties. So, you can feel at ease without worrying about it.
- No interest for up to 3 years
Interest rates are the ones that irritate mortgage customers the most. Because its value is very large and does not affect you at all. In contrast to KPR BCAs, it does not charge interest rates for up to three years.
Even after 3 years, BCA’s mortgage rates are very low and won’t put a strain on you.
- Simple requirements
The basic requirements for getting a mortgage loan are very simple. If you are an entrepreneur, your business has been established for at least two years with adjusted profits.
However, at least if you are an employee, you will need to have 2 years of diving experience and work for 1 year in the new office. KPR BCA is in line with its purpose and with its convenience, it makes everyone’s dreams come true.
- Proven reliability
If BCA banks are banks that rarely experience major problems, it’s no secret. That is why he is widely trusted by all circles. Therefore, you don’t have to worry about harm by buying a KPR BCA.
- Rapid approval
From the application process to approval, the KPR BCA is famous for its point and is not a lengthy procedure. Therefore, the approval process is very fast.
How to apply for a mortgage with a bank BCA
The procedure for applying for a mortgage loan at this bank is not that complicated, you will also be fully guided by a bank officer. KPR BCA makes your dreams come true in a simple process.
- Preparing the necessary files
File integrity is one of the main requirements for applying for a mortgage. The file is usually notified by the relevant bank officer.
- Visit BCA Bank
Once all the files are complete, you will need to come directly to your bank for the credit application process. You will be guided by the relevant officers regarding further steps.
Once you have provided the file and completed the follow-up of each step, the bank will be exempt for a while. Once the process is complete, they will keep in touch with you.
Advantages of Using the KPR System
The price of a house with a mortgage scheme is higher than if you buy it with cash, but it feels light because it is paid in G Suran. On the other hand, KPR BCA realizes everyone’s dream of owning a home because it realizes the great advantages of KPR system.
- Little by little I feel lighter because of Dian If you buy with cash that requires spending hundreds of millions of dollars, you will of course feel heavy.
- G Su Lan per month can be adjusted to monthly income. This is because the KPR BCA is not intended to burden the customer.
- Fortunately, when Anne G. Lang resells it when it is completed, the price of the building will continue to rise.
- By contracting a mortgage until you pay it off, you can use it to invest in low capital. Therefore, you do not have to pay because it is paid by the tenant.
KPR tricks are easily accepted
Applying for a mortgage is fairly easy, but the decision to accept is very difficult because in the future banks have to be really careful not to harm them. For those who want to get a mortgage right away, we have the trick.
- Choose a house in installments according to your income.
- Since this is the main factor in your enrollment decision, make sure your career is in a stable stage.
- Make sure that the file you pass to the bank is complete.
- Make sure there are no other installments. Because if you have other installments, the chances of receiving it will be very small.
- Apply for credit according to your ability.
There are certainly a great many miscellaneous goods related to the realization of KPR BCA dreams, and they are useful. This is because this one bank has advantages compared to other banks that offer mortgages.