It's just tips for member forum which would propose the purchase of property in bank credit.
The extension of credit, such as KPR / KPA, determined many things, mainly:
1. The ability of Debtors
3. Credibility
2. Collateral
1. The ability of the debtor.
It is certain, because the banks expect credit will be running normally, ie not use the show stuck in the middle of the road. Here the bank will look at the ability of borrowers, especially the income scale and magnitude of expenditure. One of them is seeing mutations account for the rate of consumption patterns. The most important thing in computing capability, known as the Debt Ratio Buren, tehadap income or debt ratios. Generally, banks establish a third, although it does not mean nothing is loosened. In this formulation the bank set, ALL PAYMENT to income ratio take home pay should not exceed one third. See this link for more details about the calculation of Debt Burden Ratio. Installment is not only at the bank where he filed the mortgage, but also at other banks. In addition based on the recognition of borrowers, can also through check BI checking. In BI checking the amount of credit will certainly go down, mortgage, and credit quality, whether current or problematic.
2. Credibility
It depends on the track record of borrowers in dealing with the bank. Tracked from internal checking bank, also based on a blacklist issued by the BI, the Association of Credit Card Issuer, or of managing credit cards like Visa / Mastercard. Here, the role of BI checking is also quite dominant.
3. Collateral
Bank or institution is not a pawnshop auction, so the bank basically does not like to take over the collateral. In addition to acquisition cost is large enough, the stage is also very time-consuming and labor intensive. However, the value of Collateral becomes very important for the bank as a "second way out" if the debtor was the default or default.
The value of collateral is usually determined by the bank or independent pertugas appointed Appraiser. Collateral value is determined from the completeness of the administrative requirements (Certificate / IMB / UN etc.), building quality, strategic location, fast-slow resale, as well as supporting infrastructure. Regarding the minimum street width requirements to be part of here. Generally banks are set width of the road a certain size for a house that will be funded, is linked to the value of collateral if the bank was forced to take over.
Advances / DP
Many have questioned why the Bank is often asked for a DC in a large number (typically 20% of new homes and 30% secondary home / second home.) DP helped the bank in two ways. First, as an initial bond that creates a "sense of belonging" to the debtor, with a sense of ownership is expected to debtors will try hard to credit is not easily ignored and become jammed. Second, the DP becomes a buffer for banks if bad loans. As we know, when credit became jammed, the bank is not easy to sell again, for selling the property needed a long time, not to mention the costs incurred due to bank acquisitions over the house as collateral is also not small. With the DP is expected when the bank resells the house,, the sale could cover the remaining debt and the costs incurred during litigation or of taking.
May help, may be developed in subsequent discussions. If I do something wrong, maybe another member can correct
