Buying a home can be spelled tricky. At the very least there should be compliance with the 3K wants, needs and financial capabilities. Well, one of the easiest ways to get the house in accordance with the wishes is through the Home Owner Loan (mortgage) which is provided by the bank. Home loan mortgage but still many people who are so common on mortgage world. Credit application was rejected by the bank that may not give clear reasons why the request was rejected. Aryo Diponegoro, property practitioner and author of Property Business Raja Megaprofit revealed a number of tips for credit application can be approved so that you can own a home.
1. Income has the Bank requires the person applying for a loan can have a form of salary or income from the business. If a spouse, whether husband or wife has income from work, then when the second loan application so that the combined income could increase the amount of mortgage filings. Banks usually require a third installment of the amount of income.
2. There Savings Regular Savings gained 3-7 months comes from paycheck you receive. If you are a businessman or entrepreneur to prepare your business financial statements. To the financial statements, banks usually ask for a report two years. While for the paycheck, to support the work certificate from the office.
3. Have a Taxpayer Identification Number (TIN) Generally, banks require prospective borrowers mortgage providers have a tax ID card. Well, if you do not have a tax ID card immediately made by visiting the local Tax Office KPP according to the identity of residence.
4. Make sure it does not go BLBI BLBI members, not the Bank Indonesia Liquidity Assistance but the Black List of Bank Indonesia (BLBI). If you have credit at the bank, continue smoothly kreditan not more than two consecutive months, you are automatically entered BLBI member.
5. Complete the identity and the home if the above conditions are met you just add a copy of your ID card, ID card spouse, marriage certificate and family card. When the Bank, do not forget the letters home. They usually require photocopying certificates, land and building tax and homeowners KTP.
6. Some Banks often ask to apply for credit in only at a particular bank, hoping that the submission was received. Well, so do not expect anxiety continues, Aryo suggest, that your proposed mortgage is not just one bank alone but several banks at once, at least three banks. Why? "Because the bank processors are also human. And every human has their own subjectivity in approving mortgages that we ask. If it was possible to apply for credit to the bank's more the better, "said Aryo.
7. Ask a Week Last Week of the young or too old to be considered in the mortgage application. Man from Yogyakarta, also known as a motivator, especially in the areas of the property revealed that much better when applying for mortgages made on the third to fourth week because usually the bank to pursue the target so easily approved. 8. January Most Ideal not only weeks, months will also determine the success of credit. "If that had been filed credit approved last December not really fair. December was hard to get credit because it is usually ready to close the book. In January, as now is the perfect time filed mortgages, "he said, adding that no less important and often overlooked is praying to God.
2. There Savings Regular Savings gained 3-7 months comes from paycheck you receive. If you are a businessman or entrepreneur to prepare your business financial statements. To the financial statements, banks usually ask for a report two years. While for the paycheck, to support the work certificate from the office.
3. Have a Taxpayer Identification Number (TIN) Generally, banks require prospective borrowers mortgage providers have a tax ID card. Well, if you do not have a tax ID card immediately made by visiting the local Tax Office KPP according to the identity of residence.
4. Make sure it does not go BLBI BLBI members, not the Bank Indonesia Liquidity Assistance but the Black List of Bank Indonesia (BLBI). If you have credit at the bank, continue smoothly kreditan not more than two consecutive months, you are automatically entered BLBI member.
5. Complete the identity and the home if the above conditions are met you just add a copy of your ID card, ID card spouse, marriage certificate and family card. When the Bank, do not forget the letters home. They usually require photocopying certificates, land and building tax and homeowners KTP.
6. Some Banks often ask to apply for credit in only at a particular bank, hoping that the submission was received. Well, so do not expect anxiety continues, Aryo suggest, that your proposed mortgage is not just one bank alone but several banks at once, at least three banks. Why? "Because the bank processors are also human. And every human has their own subjectivity in approving mortgages that we ask. If it was possible to apply for credit to the bank's more the better, "said Aryo.
7. Ask a Week Last Week of the young or too old to be considered in the mortgage application. Man from Yogyakarta, also known as a motivator, especially in the areas of the property revealed that much better when applying for mortgages made on the third to fourth week because usually the bank to pursue the target so easily approved. 8. January Most Ideal not only weeks, months will also determine the success of credit. "If that had been filed credit approved last December not really fair. December was hard to get credit because it is usually ready to close the book. In January, as now is the perfect time filed mortgages, "he said, adding that no less important and often overlooked is praying to God.