to understand Appraisal Apply for a mortgage
Are you in the process of applying for Home Ownership Credit (KPR) for your dream home?Later, banks as future creditors will definitely demand it Appraisal Of the dwelling you are about to buy. Appraisal In itself, it is the process of assigning values to objects. In this case, it is the house that applies for the mortgage, It is carried out through a process of expert analysis. Now, we will use the value of the house as collateral in case a default occurs in the future.
Can be said Appraisal Very important when applying for a mortgage for Appraisal That is, the bank can approve or reject your credit application. Applications for KPR are typically rejected for the following reasons: Appraisal Not proportional to the amount of loan you want from the house you want to buy.
If it is rejected, the desire to get a dream home may disappear along the way. So don't let this happen to you!Come on, understand and pay attention to some more details Appraisal Through the following Kania reviews so that the KPR you are applying for will be accepted!
Determinant Appraisal
It's calculated by an expert, but you can actually guess Appraisal From the house you want to buy. Estimated home price valuations typically take into account the taxable sale price (NJOP), location, and accessibility to the property.
In addition, it also looks at the risk factors that are present around the house. For example, is the house in a flooded area, or is it a landslide-prone house?Of course, a more strategic place Appraisal KPR homes will be even bigger.Conversely, if many risk factors surround it, the value Appraisal It can be made smaller.
Market price comparison
When deciding Appraisal For mortgages, banks also usually compare market prices. Therefore, external factors and home location are not the main criteria. This price comparison is typically done in three nearby homes with the same specifications.
The purpose of this comparison is nothing more than to prevent home mortgage prices from rising above the surrounding market prices.In the process Appraisal This allows the bank to investigate the location and ask the RT / RW manager or local residents for the price range of homes for sale in the area.
Required requirements
You need to prepare a lot of documents for Appraisal The mortgage you want. Documents required by the bank include KTP, a copy of your marriage certificate, a copy of your family card, a savings deposit, a pay slip, and an NPWP.If the requirements are not fully fulfilled, proceed to the next Appraisal Banks do not do this as it may delay your credit application.
Score Appraisal Upgradeable
You may be wondering, does this mean that the house you buy is valued at the same price as the houses around it? In reality, this is not exactly the case.
You can increase your score Appraisal A house that you want to buy with a beautiful front so that you can get an estimate of the property value.In addition, properties that have complete furniture inside at the time of purchase are generally worth it. Appraisal Higher by bank.
Credit history
Also, please make sure that your credit history is correct when you apply. Appraisal To the bank.If you don't miss the installment payment, I'm sure Appraisal Approved when other components are satisfied. However, if the credit history is bad, Your rating It may be rejected.
For processes Appraisal If approved, the bank will typically provide 70-80% of the credits submitted. Therefore, be sure to have more money available to cover the need to buy a dream home.
Still looking for a dream home that suits you? You can find it at Dekoruma House. There are many housing options that are sold at the best prices in a variety of strategic and developing locations, including homes for sale in South Jakarta, Tangerang, Depoque and Bekasi. What are you waiting for Visit the Dekoruma House page and find your dream home!
Source : http://i0.wp.com/www.dekoruma.com/artikel/117616/appraisal-dalam-pengajuan-kpr
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