Berikut ini petikan salah satu statement di LippoBank Home Loans.
Jika hanya ingin membeli kavling saja, bisakah saya memanfaatkan LippoBank Home Loans?
Ya! LippoBank Home Loans juga menyediakan fasilitas pembiayaan bagi Anda yang ingin membeli kavling di lokasi pengembang yang bekerjasama dengan LippoBank, asalkan tujuan pembelian kavling tersebut untuk bangunan rumah tinggal, bukan untuk kantor atau lainnya (Tanah Siap Bangun) - info dari lippobank.co.id
Bila Anda adalah nasabah bank yang bersangkutan atau bank lain yang menyediakan KPT, akan lebih memudahkan karena bank bisa mendapatkan data keuangan yang lebih jelas, tentunya bila track record keuangan baik. Terutama bila Anda merupakan pekerja dengan pendapatan tetap yang cenderung naik, akan lebih disukai oleh bank kreditur. Meskipun saat ini agak jarang terdengar pengajuan kredit untuk tanah, tidak ada salahnya bila Anda yang berminat mengajukan kredit pemilikan tanah untuk mendapatkan informasi dari bank Anda.
(gambar lahan oleh Bpk Suhardiman Ato)
Membeli secara tanah secara kredit, selain bisa meringankan biaya dengan cicilan, juga bisa memperkecil resiko sengketa tanah karena pihak notaris dan bank akan memeriksa benar-benar status kepemilikan tanah tersebut. Namun bila ada kemungkinan ternyata tanah adalah tanah sengketa, yang menanggung resiko juga tetap debitur (Anda).
Persyaratan umum untuk mengajukan KPT mirip dengan mengajukan KPR, yaitu warga negara Indonesia dengan usia minimum 23 tahun dan maksimum 55 tahun (saat kredit berakhir). Secara lengkap, dokumen yang diperlukan untuk mengajukan kredit adalah sebagai berikut:
- Fotokopi KTP/passport
- Fotokopi Kartu Keluarga
- Fotokopi surat WNI bagi warga negara keturunan
- NPWP, SPT/PPh 21
- Fotokopi rekening tabungan/ rekening koran
- Surat keterangan penghasilan / slip gaji
- Fotokopi SIUP
- Fotokopi surat keterangan lain berkaitan dengan profesi yang mendukung untuk penilaian pihak bank.
Untuk keterangan lainnya, silahkan menghubungi bank yang bersangkutan. Tanya jawab seputar Kredit Pemilikan tanah saya temukan di blog ini.
________________________________________________
by Probo Hindarto
ENGLISH VERSION: Buying Land with Credit and Loan (Indonesia context)
This article is the first in the 'easy to build' articles, which contains articles of a guide to build a house from start to finish. Well be your guide when working with astudio architect or contractor astudio. Buying land for the house, is the first thing that must be done so that we can build a house. Actually, when we ask mortgages (Land Ownership Loan) to the house on the estate, that means we are also buying the land under the house. There are also mortgages which intended to buy an apartment. In the case of buying an apartment, we only get the right to build. Did you know, it bought the land can also be done with credit, such as mortgages. The difference is, we bought the land just is not buying a house entirely.
Here are excerpts of a statement LippoBank Home Loans.
If you just want to buy lot only, can I use LippoBank Home Loans?
Yes! LippoBank Home Loans also provide financing facilities for those who want to buy the lot at the site developer who works with LippoBank, provided the purpose of purchasing these lots for residential buildings, not to any other office or (Soil Ready to Build) - info from lippobank.co.id
If you are concerned bank customers or other banks that provide OPT, will make it easier for banks to obtain financial data more clearly, of course, if good financial track record. Especially when you are working with fixed income tends to rise, will be preferred by bank creditors. Although this is somewhat uncommon to hear of obtaining loans for land, there is nothing wrong if you are interested in applying for a loan of land ownership to get information from your bank.
(picture Suhardiman land by Mr. Ato)
Buying land on credit, in addition to offset the cost of a mortgage, can also minimize the risk of land disputes because the notary and the bank will actually check the status of land ownership. But if there is a possibility it is a land dispute over the land, which bear the risk also remained the debtor (you).
General requirements to apply for OPT similar to the proposed mortgage, which is an Indonesian citizen with a minimum age of 23 years and a maximum of 55 years (when the credit expired). Complete, the necessary documents to apply for credit are as follows:
* Copy of ID card / passport
* Copy of Family Card
* Copy of a letter to the citizens citizen descent
* NPWP, SPT / PPh 21
* Copy of bank account / current account
* Letter of earnings information / paychecks
* Copy SIUP
* Copy of another letter relating to the professions that support for the assessment of the bank.
For more information, please contact the respective bank. Credit frequently asked questions about land ownership I found on this blog.
________________________________________________
by Probo Hindarto
© Copyright 2009 astudio Indonesia. All rights reserved.
Tidak ada komentar:
Posting Komentar
Silahkan isi komentar Anda.
Sekarang, Anda juga bisa komentar melalui account facebook Anda (di boks komentar atas)