First Business opportunity: Having a dream home every household. By having their own home, we can freely manage the household, select a design house, and adjust the layout of goods according to taste. so the house we live in will provide security and comfort.
So normal that many of us who work hard, to raise money for to buy a house. Although, the purchase is done through credit or installment payments through a bank (the mortgage / housing loan).
In fact, instead of getting that dream house within your budget, now many people buy a shift gears by means of credit (credit refinance). Typically, this is defined as a form of transfer of mortgage loans or mortgage apartment (KPA) of the old owner to new owner.
However, in many cases, the process of buying a house with a system of credit shift gears more difficult than buying a house from developers by way of credit submitted directly to the bank. Understandably, the document usually home to be purchased is stored in a bank, such bank A. So, if the new debtor party to get credit from the bank B, bank A is not necessarily willing to provide these documents with quick and easy process.
More woe, not a few people who do not understand the processes and procedures in the transfer of mortgage or KPA earlier. As a result, the original intention to profit from buying a house or apartment with loan shift gears, they actually lose. This system can be very dangerous if the buyer does not understand the rules, "said Rakhmi Pematasari, financial planners from Safir Senduk & Partners.
According Rakhmi, the debtors could have long had a problem on his home loan. Or, when buying a house, the new debtor more power to choose how to transfer. In fact, it turns out support letters of credit shift gears for the transfer of power was not quite complete, so the bank refused to provide the original certificate to the debtor a new home when the loan has been completed.
Already there are things
However, continued Rakhmi, buying a house through a system of mortgage credit shift gears or NAC also has a side benefit. At least, when doing shift gears credit, house or apartment is handed over, or already built but age has not been too long. So, the buyer already had a picture directly about what form his house, where his house shortages, could even count the ability to pay the mortgage.
According to Budi Triadi Pratt, a financial planner from Akbar's Financial Check Up, shift gears or KPA credit mortgage property can be a financial or bank transfer antarinstitusi. That is, mortgage or KPA is in the bank A was transferred to bank B. Of course, this scheme can not always run. It depends on the inter-bank policy.
However, typically, credit transfer scheme used by customers to get more facilities. "Can be a more competitive loan rates, ease of payment, more flexible repayment schemes, or other facilities which are considered cheaper than the previous bank facility," said Budi.
Other forms of credit transfer is a transfer of ownership of credit. In short, ownership of property from the debtor A move to B. These schemes typically use the same bank. Can also use different banks as the previous scheme. In this scheme, which take into account is the condition of credit approval to be transferred. For, if the credit application is not approved, the transfer can not occur.
So, how do wise to buy a house or apartment through a system of credit shift gears? Here are some tips that you should look when wanting to buy mortgages or credit shift gears through the NAC, as summarized KONTAN from a number of financial planners:
1. Calculate the cost of the purchase transaction
The first step is to know when buying a house or apartment through a mortgage loan or shift gears KPA is to first calculate the costs to be incurred for this process, such as cost of purchase to the seller and the costs of bank credit to shift gears. "This is to ensure, whether mortgages or KPA offered credit commensurate shift gears or not compared to buying new or cash," said Rakhmi.
Mike Rini, a financial planner from MRE Financial & Bussines Advisory added, before paying a sum of money for mortgages or NAC from the old owner, you should negotiate first.
At the very least, the negotiations related to the selling price of the property would be transferred. So you have to ask the old owners, how many years already repay the mortgage. If a new mortgage to pay 24 months of mortgage term of 15 years, mean home price negotiation around figures who have long installment of the owner. "Because, for two years, he was already getting the benefits that we will buy a house," said Mike.
2. See fee installment
Budi reminded, however, shift gears system of credit is owed scheme. So, you need to consider the financial capability. In particular, the ability to repay the mortgage or KPA. Once approved use mortgage facilities, or KPA, the property has not been directly into customers' rights fully.
Customers still have the obligation to settle the debt. "Property which uses a new credit can be stated as an asset if it is paid off. So, note that there is a routine obligation aka installment," suggested Budi. Ideally, a large mortgage costs do not increase the total of your debt. Total mortgage debt that may have a maximum of 30% of monthly income, "he said.
If the total debt of more than 30%, net debt should be big. How, could pay off some existing debt or extend the term of the debt. This is the expectation value of the debt repayments can be reduced. (Continued)
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