Selecting Properties and Dream House

One of the tips before you buy and build your dream house is to choose the right location. Now the question arises then is: "How to choose the location of housing?" To answer the question below there is little practical guidance to choose the location of housing:

1. LOCATION DETERMINATION

In determining the location before getting home, we need to be observant pemgembangan observe an area that is closely related to the development of an area. Besides, should often look at a housing exhibition event or diligent walk into territory which is or will be built by developers.

We recommend that in determining the choice of residential location must be matched with a map of the area, as well as to develop insights from a range of information (brochures, ads) about the location of housing, but also can view the location of the macro level, such as: road network, the track voltage cable high, the location of the nearest large river, where the path trains and various city development plans.

Do not forget also to seek information orally from colleagues who know the area of housing that will dipillih. This information is as a complementary idea to determine the location. From the results looking for info and a walk, then the activities of observation can be used to compare the advantages and disadvantages of several alternative locations of the most attractive housing.

2.ASPEK LEGALITY

Before deciding to choose to buy and Build Houses should first check the legality of the location. The legal aspect that can be asked to Copy Certificate Company is the Master Developer for the selected location of housing, it is to provide certainty about the legality of land ownership which will be developed (the solution to the certificate of the parent) to SHGB or SHM selected above lots are not in problems.

Apart from the development company can also ask the nearest village or district on a site plan for housing, whether already has permits to build a house on the location of the principle in question. The element of legality above applies to the location of housing that is really new to be built, while for the location of housing sites that have been / are being built can be asked in more detail such as: Letters of land (AJB, PHTB, SHM / SHGB), completeness of the IMB.

3. FACILITIES & INFRASTRUCTURE FACILITIES

Facility infrastructure is complete and sufficient is one of the main tips from the developers in promotional sales houses. Developers often do not even offer prizes to lull potential consumers to buy one of his products.

4. Trust ON PROPERTY AGENT

To make choices, in addition to seeking direct or, through advertising, you can also contact real estate agent you trust. Of course you can consult with property agents to provide a complete picture of the object properties that you want to purchase, both price and some other payment facilities.

successful property investment

YOUR INFO AND TIPS: Many people think property is one of the best investment choice. In fact, when the economic tide, property remains a profitable investment.

Trouble is, investors sometimes get stuck in an investment property. They can be wrong due to still use the emotion when selecting and determining the property as an investment.

"About 85 percent of people buying property because of emotion," he said at the Smart Investment Seminar in Financial Crisis in Marketing Gallery Rasuna Kuningan Jakarta Epicentrum.

So, how to choose the investment properties that provide maximum results?

According to him, there are five important elements for potential investors to select and define property investment.

First, prospective investors should be keen to see a good time to buy property. The principle is to buy when prices are low and sell when prices are high.

Now, according to Panangian, is the Buyer's time or the buyer is above. In such circumstances, the price will be depressed in absolute terms even though in nominal terms does not go down. "If the price of Rp 1 billion last year and this year the same, meaning in real terms the price down. It's time to buy," he said.

He estimates the property will re-boom cycle in three-four years into the future or about 2012.

Second, prospective investors should choose a prime location. The term property by location, location and location according to very precise use. The location downtown is a prospective area with guaranteed increases continuously or location with prices likely will continue to rise with the development.

Strategic locations and are usually located in the triangle prospective business offices, business and economic growth. In Jakarta, the exact location for an investment property, including the area Central Business District (CBD), Kemang, Pondok Indah, and Brass.

Third, prospective investors should consider the source of financing. Here, investors have to be creative whether to choose cash, credit or cash gradually to finance investment. "It depends on the ability of investors and the state," he said.

Fourth, prospective investors must be careful about what kind of a prospective investment. Type property in the form of offices, condos and retail are still prospective as a land investment.

The return of the capitalization of the three types of property are guaranteed a faster rate. Return rate apartments and condominiums topped with returns ranging from 8-12 percent. Office rental rate of return 70-10 percent and retailers such as kiosks and shops at 5-9 percent.

Fifth and no less important to choose a developer who has a reputation in the business. For potential investors it is important to see the developers to be invested could produce. Timeliness, quality and accuracy according to the contract must be a primary consideration.

In conditions where the buyer is king, Panangian suggest the developer to get closer to consumers. The trick with investors include overseeing the construction and quality with a precise delivery time.

Choosing a Real Estate Agent?

The number of properties from a professional agent to start a new business property is currently very much. Wrong-wrong choice could be that you will see the loss and regret. Therefore selective in choosing a real estate agent is absolutely necessary, so that cooperation can be mutually beneficial.

Some factors that need to be considered in selecting an agent property owners are:

Property agent who is registered and licensed.

Note well and perform transactions.

Having a large network, if the owners want to sell property abroad then have to choose an agent who memunyai national and international network.

Gaining full support from the agency, in cooperation with legal institutions, appraisal, advertising, and the bank.

The professionalism of the agent. An agent is a professional and understands the needs of property owners.

The existence of the comfort of an agent by showing proof of property sales achievements that have been achieved and the number of transactions that never happened.

A professional agent should have the basic skills such as:

Know the area / location of property owners well, such as facilities that may be required.

Memunyai listing data information access that is always up to date.

Having knowledge in finding the right property.

Helps to calculate the cost of the purchased property improvements if the property is in poor condition or a second property.

Having a sense of the need and satisfaction in the transaction.

Credit Properties

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