As a young family home ownership is basic needed . In this Blog i want to share a little thing about the ins and outs of mortgages, what is mortgage, how to process, and other matters related to mortgages. but before , i want you to know 5 Step You Need To Know Before Buying Home :
Step 1: Select Property
Before you buy make sure the first property:
Location Listing
Access to the site
Try to choose locations close to where you work
Check the surrounding residential neighborhood
Check public transport access
Check the nearby public facilities such as schools, places of worship, shopping, police, firefighters, etc.
Make sure you buy a property from a reputable developer and has a great track record, aka never failed in its project to build sure that the developer / developer has obtained all required permits for building projects.
Step 2 :
Define bank mortgage When you buy a new property or a primary from the developer, is usually already existing cooperation between the developers with certain banks.
Step 3: Fill in the form of booking and pay the booking fee
Fill in order form from the developer unit.
In the order form the unit, make sure the payment schedule and booking fee advance payment is clear and both parties agree. Especially if the booking fee and repayment of advances can be repaid.
4. After that pay booking fee
The amount of booking fee depending on the stipulations of the developer. If you bought the property from the secondary market, a large booking fee depending on the demand the Seller. If you bought the property from the secondary market, generally you will be asked to pay a down payment first. Large downpayment ranged from 20% - 50% depending on the provisions of each bank. Downpayment paid directly to the Seller. However, create more safe, it's better if you can manage the condition so that you do not have to pay a down payment prior to the Seller before the deal is approved by the Parties Credit Bank. For this, you can create a Letter of Sale and Purchase Agreement with Seller in front of the notary that says you will pay a down payment after the deal is approved by the Bank Credit.
Step 5 :
Fill in the form of credit application and preparation of documents for the mortgage document Standards:
Age not more than 50 years when application for mortgage.
Copy of ID card applicants
Of Marriage / divorce if they are married or divorced
family card
Citizen certificate (for citizens descent)
Document property collateral (SHM, IMB, UN)
Step 1: Select Property
Before you buy make sure the first property:
Location Listing
Access to the site
Try to choose locations close to where you work
Check the surrounding residential neighborhood
Check public transport access
Check the nearby public facilities such as schools, places of worship, shopping, police, firefighters, etc.
Make sure you buy a property from a reputable developer and has a great track record, aka never failed in its project to build sure that the developer / developer has obtained all required permits for building projects.
Step 2 :
Define bank mortgage When you buy a new property or a primary from the developer, is usually already existing cooperation between the developers with certain banks.
Step 3: Fill in the form of booking and pay the booking fee
Fill in order form from the developer unit.
In the order form the unit, make sure the payment schedule and booking fee advance payment is clear and both parties agree. Especially if the booking fee and repayment of advances can be repaid.
4. After that pay booking fee
The amount of booking fee depending on the stipulations of the developer. If you bought the property from the secondary market, a large booking fee depending on the demand the Seller. If you bought the property from the secondary market, generally you will be asked to pay a down payment first. Large downpayment ranged from 20% - 50% depending on the provisions of each bank. Downpayment paid directly to the Seller. However, create more safe, it's better if you can manage the condition so that you do not have to pay a down payment prior to the Seller before the deal is approved by the Parties Credit Bank. For this, you can create a Letter of Sale and Purchase Agreement with Seller in front of the notary that says you will pay a down payment after the deal is approved by the Bank Credit.
Step 5 :
Fill in the form of credit application and preparation of documents for the mortgage document Standards:
Age not more than 50 years when application for mortgage.
Copy of ID card applicants
Of Marriage / divorce if they are married or divorced
family card
Citizen certificate (for citizens descent)
Document property collateral (SHM, IMB, UN)
No comments:
Post a Comment