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Small Salary But Want to Cicil House, It's Strateg
Home is a dream for everyone, not least for those of you who have low income. Do not be discouraged first, by reading this article is expected you can get information on how tactics to own a house.
A small salary does not need to worry when you want to buy a house, the good news today the government down the mortgage home loan, so buying a home is now easier. For you who have a small income can get a dream home. In addition to the mild down payment, some developers also offer cheap house prices in a number of locations.
If you want to apply for a small paycheck, follow a specific strategy to be able to meet credit payments. Here are the important steps you should do:
1. Determine Dream House Price
Determining the price of a house to be purchased with a mortgage is very important. Because you must be able to adjust the credit score with the ability of salary every month. The price of the house you want to buy will determine the level of installment per month.
One strategy that can be used to get around this problem is to take a long time in credit payments, like 15 years, in order to adjust the amount of money to be paid with your ability.
2. Let's Save!
This is important because mortgage payments can take a long time. Therefore, for starters, be diligent you save in order to pay down the down payment and mortgage each month.
3. Prepare Home Advance
In addition to mortgage repayments, you also have to pay attention to the amount of the down payment. The down payment of the house is a requirement of the bank before doing the mortgage. Typically, the bank asks for a down payment with a certain value of the house price to be credited.
4. Search for Low Interest Rates
Well, this is one of the most important things when going to submit a mortgage. You must know carefully the amount of interest offered from the mortgage product of the bank. Each bank offers different mortgage rates, so choose the mortgage with the lowest interest rate
5. Choose Trusted Bank
If you choose a mortgage product, do not choose a bank simply because the interest on the payment is small, regardless of the credibility of the bank. You want all the credit process guaranteed is not it? It's good you choose a trusted bank whose mortgage product is already quite famous in the community.
6. Determine Installment Payments Every Month
This is related to your ability to pay monthly installments. For example, you have to pay the installment up to Rp2 million whereas your salary is only Rp 2.5 million. Things like this should be avoided, it's good to do rough calculations per month needs adjusted to your salary first. Do not get big pegs instead of poles.
7. Purchase a House that fits your needs
Before buying a home, you should know the price, type, and type of house to be purchased. That is, you are required to buy a house in accordance with the needs and abilities.
8. Immediately settle administrative costs
Do not let you delay the payment of the mortgage administration fee submitted in a long time. Because, the faster the administrative fee is paid off, then your mortgage burden is also getting lighter.
Well, if the above strategy you are able to meet, then it is ready financially and mentally to start filing a mortgage. Find the most reputable mortgage products from the best banks in Indonesia. Happy hunting dream house!
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