KPR BCA realizes its dream of owning a low-interest home
Now, many think that owning a home will be more difficult because land prices are skyrocketing, so a home is just wishful thinking for some people. However, KPR BCA fulfills your dream of getting a comfortable and certainly affordable residence.
Thus, the stereotype of the difficulty of getting a home can be destroyed. KPR BCA understands that workers’ incomes are increasingly incomparable to rising land and house prices. It is certainly difficult for people to buy the house of their dreams.
Therefore, KPR BCA provides a solutionby providinga decent and affordable housing area. Using the KPR system, housing offered by BCA is paid monthly or on credit. BCA will first claim the building which will then be sold to consumers.
Of course, the payment credit system will not weigh on consumers, so home loans are now very popular and are a way to have a comfortable residence without much capital.
With this , KPR BCA realizes your dream of being able to own a home with all its advantages over other KPRs. Here are the reasons why you should choose KPR BCA as your solution to get a safe, comfortable and affordable home.
Elements of the KPR system
Before you discuss BCA mortgage privileges further, you need to know the important elements that will always exist in the mortgage world. Here is the explanation for you :
- Down payment
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 adjusted to the provisions of each KPR.
- Deadline
Timelimit andyour home. The principle is that the longer the period, the lower the number of monthly payments. However, the shorter the period, the higher the monthly payments you have to pay.
- Interest
The interest rate is an additional interest charged to the consumer in addition to the principal interest. Interest rates usually always go up every year, so you should choose a mortgage with a low interest rate.
For example, BCA only sets an interest rate below 10%. This is one of KPR BCA’s programs to realize the dream of banyak who want to have a sheltered tem pat.
- Certificate changes
This change in the certificate is closely related to the right of ownership of the house. When the house has not been reimbursed, the certificate issued is the right of use of the building (HGB). But when your home is reimbursed, you need to change thecertificate to a Certificate of Property Rights (SHM).
- Income
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 benefits of KPR BCA:
- No penalty penalty
The penalty here is a sanction given by the bank when the customer wants to pay the remaining invoice before the deadline. The amount of the penalty you need to issue is 1% of the remaining debt. This is certainly very detrimental to you personally.
On this basis, KPR BCA realizes your dream of being able to repay your home faster and without penalties. Thus, you can feel safe not to be haunted by worry.
- Free interest rate up to three years
Interest rates are something that irritates mortgage customers the most. Because, the value is quite great and has no impact for you. Unlike KPR BCA, which does not charge interest rates for up to three years.
Even after three years, the BCA’s mortgage rates are very low and won’t impose a burden on you.
- Easy requirements
The basic requirements for getting a mortgage are very easy. If you are an entrepreneur,mak a business has been established for at least 2 years with adjusted profits.
However, if you are an employee, you must have at least two years of diving experience and work in a new office for a year. In line with its goal, KPR BCA makes everyone’s dreams come true with its convenience.
- Proven reliable
It’s no secret that BCA bank is a bank that almost never experiences major problems. This is what makes him enjoy great confidence in all circles. Therefore, by buying a BCA KPR , you don’t have to worry about getting hurt.
- Quick approval
From the application process to approval, KPR BCA is famous for its precise and non-lengthy procedures. Therefore, the approval process is very fast.
How to apply for a mortgage at BCA Bank
The procedure for applying for a mortgage loan from this bank is not so complicated, you will also be fully guided by the bank agent. KPR BCA realizes the dreams of its customers with an easy process, namely,
- Preparing required files
Completeness of the files is one of the main requirements for applying for a mortgage. The files will usually be notified by the bank agent concerned.
- Visit BCA Bank
Once all the files are completed, you must contact the bank directly for the credit application process. You will be guided by the relevant agent regarding the subsequent steps.
Once you have provided the file and finished following each step, the bank will be immune for a while. They will get back in touch with you when the process is complete.
Advantages if you use the KPR system
Although the price of a house with a mortgage system is more expensive than when you buy it in cash, but because it is paid with agsuran, it feels lighter. On the other hand, KPR BCA fulfills everyone’s dream of owning a home, as it realizes the huge benefits of the KPR system.
- The payment feels light because of the diangon little by little. It’s different if you buy it in cash, which requires spending hundreds of millions of dollars, of course, it will seem heavy to you.
- Onegsuran per month can be adjusted to the monthly income. Indeed, KPRBCA does not intend to overload its customers.
- Fortunately, when reselling when the yearisover because the price of the building will continue to rise.
- It can be used for an investment with low principal by contracting your mortgage home until it is repaid. So you don’t have to pay it because it was paid for by the tenant.
KPR tips to be easily accepted
Although applying for a mortgage is quite easy, the decision to accept is quite difficult because the bank must be very careful so that in the future it does not harm them. For those of you who want a mortgage fast, then we have the trick.
- Choose a home with instalments based on your income.
- Make sure your career is in a stable phase, as this is the main factor in the admission decision.
- Make sure that the file to be given to the bank is complete.
- Make sure you don’t have any other payments. Because if you have other payments, the chances of receiving it will be very low.
- Apply for credit based on your abilities.
The various articles related to KPR BCA make dreams come true are certainly very numerous and useful. This is because this bank has advantages over other banks that offer mortgages.