KPR BCA Realizes Dream of Owning House with Low Interest
Now many think owning a house will be harder because land prices are increasing exponentially, so a house is just wishful thinking for some people. However, KPR BCA fulfills your dream to have comfortable and affordable housing.
So the cliché of difficulty in getting a house can be destroyed. KPR BCA understands that workers’ incomes are increasingly disproportionate to rising land and housing prices. It certainly makes it difficult for people to buy the house of their dreams.
Therefore, KPR BCA provides a solution by providingdecent housing at affordable prices. Using the KPR system, housing offered by BCA is paid on a sur or credit basis. BCA will first claim the building which will then be sold to consumers.
Of course, with the credit system, the payment will not burden consumers, so now home loans are very popular and one way to get a comfortable residence without big capital.
With this, KPR BCA realizes your dream to be able to own a house with all its advantages compared to other KPR. Here are the reasons why you should choose KPR BCA as a solution to safe, comfortable, and affordable housing.
Elements in the KPR System
Before discussing further about the benefits of KPR from a BCA bank, you must get to know the important elements that will always exist in the world of mortgages. Here is the explanation for you :
- Down Payment
A down payment is money that is given to developers before starting to pay in installments, this money is one of the credit requirements. The amount can be adjusted to the provisions of each KPR.
Thedeadline foryour home is over. The principle is that the longer the deadline taken, the smaller the monthly installment amount. However, the shorter the deadline taken, the larger the monthly installments you have to pay.
The interest rate is an additional one charged to the consumer in addition to the principal interest. Interest rates usually always increase every year , so you should choose a mortgage with a low interest rate.
For example, BCA only sets an interest rate of less than 10%. This is one of KPR BCA’s agendas to realise the dream of peoplewho want an asylum tem patch.
- Change of Certificate
This change in certificate is closely related to the right to ownership of the house. When the house was not paid on, the certificate issued is the right to use the building (HGB). But when your house is paid off, then you have to changethe certificate of property rights certificate (SHM).
Income is your personal income each month. Because, this is one of the conditions for applying for a mortgage. You must have a stable, stable income.
Manteision KPR BCA
BCA Bank is not the only bank providing mortgages to its customers, but this bank has more advantages over its competitors. These benefits will greatly benefit customers, here are the benefits of KPR BCA:
- No punitive sanctions
The penalty penalty here is the penalty given by the bank when the customer wants to pay the remaining bill before the closing date. The amount of penalty you have to spend is 1% of the outstanding debt. This is certainly very harmful to you personally.
Based on that, KPR BCA realizes your dream to be able to pay your home faster and without penalty. That way, you can feel safe not to be fooled by worry.
- Free interest rate for up to three years
Interest rates are something most pick on mortgage customers. Because, the value is quite large and there’s absolutely no impact to you. Unlike KPR BCA, which does not raise interest rates for up to three years.
Even after three years have passed, the interest rate on KPR BCA is very low and will not burden you.
- Easy requirements
The minimum requirements for obtaining this mortgage are very easy. If you are an entrepreneur, then a business has been established for at least 2 years with adjusted profits.
However, if you are at least an employee you must have two years of diving experience and work in a new office for a year. In line with its goal, KPR BCA is fulfilling everyone’s dreams with its convenience.
- Reliably proven
It’s no secret, if a BCA bank is a bank that almost never experiences major problems. That’s what makes him trusted by every cycle. So, by buying a BCA KPR, you don’t have to worry about being harmed.
- Speedy Approval
From application process to approval, KPR BCA is renowned for its process which is to the point and not verbose. So, the approval process is very quick.
How to Apply for KPR at Bank BCA
The procedure for applying for mortgage at this bank is not so complicated, you will also be fully guided by bank officials. KPR BCA realizes the dreams of its customers with an easy process, namely,
- Preparing the Necessary Files
Completeness of file is one of the main requirements for applying for a mortgage. These files will normally be notified by the relevant bank officer.
- Visit BCA Bank
After all the files are completed, you must come to the bank directly for the credit application process. You will be guided by the relevant officer as to further action.
After you have provided the file and finished following each step, the bank will be immune for some time. They will get back to you when the process is complete.
Advantages of using the KPR system
While the price of a house with a mortgage system is more expensive than when you buy it in cash, because it’s paid in a cash order, it feels lighter. On the other hand, KPR BCA realizes everyone’s dream to own a house, because they realise the great advantages of the KPR system.
- Thepayment feels light because it is gradually being followed. It’s different if you buy in cash that requires spending hundreds of millions, of course it will feel heavy.
- G suran per month can be adjusted to monthly income. This is because KPRBCA does not intend to burden its customers.
- Fortunately, when resold when the building is finished, the price of the building will continue to rise.
- You can invest with low capital by holding your mortgage house until it is paid off. So you don’t have to pay it because it’s been paid by the tenant.
KPR Tricks to Make It Easy to Accept
Although applying for a mortgage is fairly easy, the decision to accept it is quite difficult as the bank has to be very careful so that it does not harm them in the future. For those of you who want a mortgage quickly, then we have the trick.
- Choose a house with installments according to your income.
- Make sure your career is in a stable phase, as this is a major factor in admissions decisions.
- Make sure the file to be given to the bank is complete.
- Make sure you don’t have any other settings. Because if you have other installments, the chances of being accepted will be very small.
- Apply for credit within your means.
The sun associated with KPR BCA to make dreams come true is certainly a big deal and useful. This is because this same bank has an advantage compared to other banks that provide mortgages.