Once again, that the property is unique. In one location to another have differences. It may be said that the property has been differentiated. Can we see how the selling price of housing type 36 in A and compared with the same type of housing B. That's the price, not the discount, the spec building, the facility houses and public facilities area.
In contrast also with the selling price of a car that has been standardized. The price is relatively the same for sale in Jakarta when compared to Bandung, Cirebon, Surabaya etc.. Even if there is difference in price, assuming it is the burden of transportation.
Herein lies the key to buying a home with no money down. Moreover, developers sometimes offer a discount varies. Cracks of this discount can be utilized as a down payment.
There are at least 5 ways to buy a house with no money down.
First, the developer / seller is selling the property without advance payments and direct credits to the developer. Often we see the big ad-48X gedean installments, with no money down, the first installment immediately habitable.
Second, the developer / seller has been working with the banks for the sale of property with no money down. At first glance there seems nothing but beneficial to consumers. Behind this cooperation is the developer / seller has a savings deposit held by the consumer. So actually there is still a down payment, but is borne by the developer until the handover is completed home.
Third, take advantage of discounts gap. Discount war among developers can be utilized as a down payment. Way too easy. As if the discount given is the advances that you have paid. Of course you must air "coordination" with the developer / seller before making a transaction.
Examples of such calculations. For example a house worth 100 million type 36.10% discount. So the actual price is 90juta not it? So in the submission to the Bank's mortgage, let's face it that house prices 36 types of IS 100 million.As if you had paid 10 million advance, so that your mortgage is at 90 million.
Fourth, mark up the price. Given that property is already each have differences, then the price will also vary widely. Even in one area alone, the price of the same type can differ. Well, this gap can be utilized to raise prices a little higher according to the value of money up front. Still the same with the third way, you still have to "coordination" with the developer / seller before making a transaction.
Examples of such calculations. Suppose the price of type 36 is 90juta. Then you need memark-ups up to 100 million (sebesarnya price multiply by a factor of 1.1111 when the down payment required by banks is 10%). As if you had paid 10 million to get a mortgage for 90juta that in fact equal to the price of the house.
Fifth, the deposit as additional collateral. Reread the second way in which the developers have retained savings as a down payment. Well, this is the reverse of the second way in which savings are held is that you are providing. Usually in the form of deposits.
Potential failure
Buying a house without a face instead of going 100% approved. The potential to fail or not reach 100% is usually due, first, the ability of buyers to pay back less than required.
Second, because we do a good mark up mark up the price or discount play, then the real value over market value. Appraisal of the Bank could be your mortgage rate is less than required.
Third, a bit hard done to lots ready for construction where the developer / seller has no mortgage pivot joint. Why? Because the developers really need a down payment to build your house. If you buy with no money down and developers do not have a pivot kpr scheme, money from which to build?
Fourth, if your name is already part of the Black List of Bank Indonesia, will advance 90%-even, not necessarily the Bank will provide to your mortgage.Hopefully you do not get it blacklisted. Amen.
Hayo, who dare to try?
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