Advantages of filing Apartment ownership credits

Being one of the choice of residential in urban areas, the apartment's prestige is relatively high lately. No longer identical to the expensive price, the apartment is currently designed to meet the needs of the middle class community. The price is also more affordable.

For those who have a limited budget to buy in cash, KPA (apartment ownership credits) facilities can be a solution. Do not worry about the upfront money, usually it is more friendly. KPA will certainly make it easy for you to have a private residence immediately.

Nowadays, many banks offer KPA products, so you have a wide range of options. His name also apply for credit, there must be terms and conditions of the bank that must be fulfilled by prospective applicant. But take it easy, you will benefit in the KPA filing.


Advantages of applying for FTC

Buying an apartment through KPA can give you a profit compared to cash, among others:

1. KPA can be used for the purchase of new apartments or over-credit from previous owners

2. Low budget allows you to make purchases easily, even if you only have limited funds. The purchase of this credit also prevents you from risk ikan louhan of loss, especially in the purchase of apartments that are still in the development process

3. Long installment period of approximately 15-20 years

4. Easy and fast process

5. Guarantee additional protection from the bank, if at any time the developer could not complete the construction project of the apartment

6. Supplementary insurance services, including fire insurance and credit life insurance during installment period.

Terms of filing a FTC

As with other large credit submissions, for the KPA facility, the bank also implements a number of strict enough requirements. But depends on the policies of each bank anyway. Make sure you meet all these terms well, so that your KPA submission can be smooth and approved.

The requirement to apply for a KPA that must be fulfilled by prospective applicant, among others:

1. Indonesian Citizen

2. Minimum age 21 years

3. Status of permanent employee with minimum employment of 1 year (for employees) or already running the business for more than 1 year (for self-employed).

4. Completing the KPA filing documents, including:

Photocopy of KTP (spouse)
Photocopy of Family Card (KK) + Marriage certificate or Divorce Act (if already divorced)
Salary Slip or Certificate of Income (original), photocopy of savings account 3 months last, photocopy of DECREE of permanent officer, photocopy of NPWP (for employee)
Photocopy of last 3 months ' current account, photocopy of NPWP, trading business License (SIUP) and Company Registration (TDP) (for self-employed)
Completed KTA Submission Form
Latest photo fitting with customized size
5. Pay the deposit set by the bank, generally about 15-30% of the apartment price

6. Pay a fee set by the bank, namely:

Apprasial cost range between Rp 300.000-Rp 750.000
Provision fee is 0.5%-1.0% of the total value of KPA
Administration fee between Rp 250.000-Rp 500.000
The insurance fee during the credit term lasts, about 1.0%-2.0% of the total value of the KPA.
The seller's tax is 5% of the total transaction value.
The buyer's tax on land and building rights of 5% of the transaction price-NJOPTKP (untaxable tax object selling value).
Complete your condition and experience the benefits
Applying for a FTC can be an alternative for those of you who have limited funds to buy occupancy. Complete all required requirements when applying to the bank, so you can enjoy the benefits and convenience of buying an apartment using the KPA facility.

7 things to look for home owners on a roadside

The location when buying a home is certainly the main thing that has always been consideration. Well, not infrequently people prefer home by the highway with the reason of a strategic location.

The house located on the roadside of the highway indeed provides an advantage. One of them is easy access when you want to travel anywhere. However, the house located on the roadside of the highway is also prone to acts of criminality.

That is why homeowners must be very cautious when they want to leave the house, especially in a very long time. Now, to keep the house safe from crime, do the following 7 things.

1. Attaching the high fence
Fence
Mount the House fence with the right height

Definitely a fenced house is found if the location of the house is at the side of the highway. This is one form of safety or guard from thieves who can come at any time. Mounting a fence can slow crime because thieves have to climb the fence first before entering the house, especially if the fence is installed very high and has a design that is likely that people will be difficult to climb it. That way, the dwellers or others will catch the wet thief who seeks to manjat the fence.

2. Add pieces of glass along the walls of the house
The rise of criminality cases makes homeowners need to be a bit extreme to protect their homes. One of them is adding pieces of glass along the walls of the house. This proved to be very potent because however thieves had to be extra careful so that the limbs were not injured by the glass pieces. Or even the thief undo his evil intentions because he did not want to take too much risk.

3. Installing CCTV camera or Alarm

Install security in the form of CCTV or alarm

Large and luxurious homes are usually already equipped with CCTV cameras as security. With this tool, homeowners can supervise their homes even if they are not in the house. Because CCTV cameras are able to capture every action performed around the house while the camera is activated. Uniquely, the videos recorded by CCTV cameras can be played over and over again.

Besides CCTV camera, alarm can also be used as safety. Mounting an alarm should be made on the house fence hinge. When the thief is trying to open the gate, then the alarm will immediately sound so the thief thwart his evil intentions.

4. The position of the indented home
The distance between the highway and the house is also worth noting. A rather indented home is usually more difficult to break down because of the time it takes to break the house longer. In addition, thieves are also harder to monitor the conditions of the actual house because it is difficult to determine whether the house is empty or inhabited.

Although the land needed to build the house becomes more widespread, but the position of the house is somewhat indented into the safer than the position of the house that is too close to the edge of the highway or fence.

5. Close doors and baggage of meetings
Closing doors and luggage before traveling is a habit. However, there are only homeowners who often forget to do so. Doors and luggage are wide open houses fishing acts of criminality. Someone who had only intended to pass through may be thought to steal because it is tempted to see the contents of the house.

6. Keep Valuables Well
Safe
Keep valuables in a safe place

Valuables such as cars, motorcycles, jewellery, money and marketable securities should be kept and stored well into one special place. If cars and motorcycles are stored in the baggage, money and jewellery should be stored in the safe. Do not forget to install a security in the form of a padlock or password so that anyone can not open the luggage or safe unless the owner himself.

Stay alert It's necessary
It is undeniable, the access of home by the highway is indeed a very precise location. But behind it, roadside homes are also very vulnerable to crime. Always consider the pros and disadvantages before deciding to buy a home. Do not forget to always be vigilant by doing some form of security as described above so that our homes are kept safe and avoid unwanted things.