KPR BCA realizes the dream of owning a low-interest home.
Now, many people think that it will be more difficult to own a home because land prices are skyrocketing, so a home is just a wishful thinking for some people. However, KPR BCA realizes the dream of obtaining a comfortable and certainly affordable place to live.
So stereotypes about the difficulty of getting a home can be destroyed. The KPR BCA understands that workers’ incomes are increasingly incomparable to the rise in land and housing prices. It certainly makes it difficult for people to buy their dream home.
Therefore, KPR BCA provides a solution by providing a decent and affordable housing area. Homes offered by BCA using the KPR system are paid monthly or on a credit basis. The BCA will first charge the building and then sell it to consumers.
Of course, the payment credit system does not burden consumers, so now home loans are very popular and are one way to have a comfortable residence without large capital.
This makes KPR BCA realize its dream of owning a home with all its advantages over other KPRs. Here are some reasons why you should choose KPR BCA as your solution to get a safe, comfortable, and affordable place to live.
Elements of the KPR System
Before we discuss more about the mortgage privileges of BCA Bank, we need to know the important factors that will always exist in the mortgage world. Here is a description of you:
- down payment
The down payment is the money given to the developer before paying in instalments. This money is one of the credit requirements. The amount can be adjusted according to the regulations of each KPR.
The principle is that the longer the deadline, the fewer monthly installments you have. However, the shorter the deadline, the larger the monthly installments you have to pay.
Interest rates are additional interest that is charged to consumers in addition to the main interest. Interest rates generally increase all the time every year, so you should choose a mortgage with a lower interest rate.
For example, a BCA sets the interest rate to less than 10%. This is one of the KPR BCA agendas, aimed at realizing the dream of bany ak people who want to have a protected tempat.
- Change the certificate
These certificate changes are closely related to home ownership. If the house has not been repaid, the certificate given is the right to use the building (HGB). However, if the house is repaid, the certificate must be changed to a Certificate of Property Rights (SHM).
Income is personal income per month, because this is one of the requirements for applying for a mortgage. It is necessary to have a stable and steady income.
Advantages of KPR BCA
BCA Bank is not the only bank that offers mortgages to its customers, but this bank has more advantages over its competitors. These advantages will be of great benefit to our customers, and the advantages of KPR BCA include:
- No penalty sanctions
Here, the penalty of a fine is a sanction offered by the bank when the customer wants to pay the remaining bills before the deadline. The amount of the fine you have to issue is 1% of the remaining debt. This is certainly very harmful to you personally.
Based on this, KPR BCA realizes the dream of being able to pay back your home faster without punishment. So, you can feel safe without being plagued by worry.
- Free interest rate for up to three years
Interest rates are what annoys mortgage customers the most. Because, its value is quite large and doesn’t affect you at all. Unlike the KPR BCA, it does not charge interest rates for up to three years.
Even after three years, the bca mortgage rate is very low and does not bear the burden.
- Easy requirements
The basic requirements for obtaining a mortgage are very easy. If you are an entrepreneur, MAK has established the business for at least 2 years with a coordinated profit.
However, if you are an employee at least, you must have 2 years of diving experience and work in a new office for a year. KPR BCA serves its purpose and makes everyone’s dream come true with convenience.
- Proven reliability
It’s no secret if BCA Bank is a bank that rarely experiences major problems. That’s what makes him widely trusted in all circles. So if you buy a KPR BCA , you won’t have to worry about getting harmed.
- Quick approval
From the application process to approval, KPR BCA is famous for its point where it is not a lengthy process. Therefore, the approval process is very fast.
How to Apply for a Mortgage at Bank BCA
The procedure for applying for a mortgage at this bank is not very complicated and is fully guided by the person in charge of the bank. KPR BCA is an easy process: the realization of the customer’s dream.
- Prepare the necessary files
The completeness of the file is one of the main requirements for applying for a mortgage. The file is usually notified by the relevant bank officer.
- Visit BCA Bank
Once all the files are complete, you will need to come directly to the bank for the credit application process. The relevant personnel will guide you through the further steps.
After providing the file and completing each step, the bank will be immune for some time. Once the process is complete, we will contact you again.
Benefits of using the KPR system
The price of a house with a mortgage system is more expensive than when you buy it in cash, but it is lighter because you pay with a g-shroud. On the other hand, KPR BCA realizes the great benefits of the KPR system, which makes everyone’s dream of owning a home a reality.
- Payment feels light because of diangg sur little by little. If you buy it with cash that you have to spend hundreds of millions of dollars, of course, it will feel heavy.
- In a month, the gsuran can be adjusted to a monthly income. This is because KPR BCA has no intention of burdening its customers.
- Fortunately, when the surfer is completed, the price of the building will continue to rise, so when you resell it, when you resell it.
- It can be used for investments with low capital by contracting a mortgage house until it pays off. Therefore, you do not have to pay because it was paid for by the tenant.
Easily accepted KPR tricks
Applying for a mortgage is fairly easy, but the decision to accept is very difficult because the bank has to be really careful not to harm it in the future. For those who want a mortgage quickly, we have the trick.
- Choose a house with installments according to your income.
- Since this is a major factor in your admissions decision, make sure your career is at a stable stage.
- Make sure that the files you are going to provide to your bank are complete.
- Make sure there are no other installments. Because if there is another installment, the probability of receiving it will be very small.
- Apply for credits according to your ability.
The sundries associated with the KPR BCA realize that the dream is certainly very numerous and useful, since this bank has an advantage over other banks that offer mortgages.