Want To Buy A Home Safely? These Are Tips From The PUPR Ministry
JAKARTA - The desire to own their own house is commonplace for every couple. This is of course also a concern for developers or property developers to take advantage of these conditions. Therefore, developers are competing to make advertisements and provide tantalizing offers to consumers.
However, consumers need to remember not to rush into the decision to buy the house that is being offered. Especially if you remember the many fake developers who give the lure of big discounts or low prices below market prices.
PUPR Ministry Housing Financing Implementation Director Haryo Bekti Martoyoedo said that there are several things that need to be considered in the purchase of houses by the community.
The following are tips for buying a house safely from the PUPR Ministry version:
1. House selectionAt this stage there are several things that need to be considered. First, before deciding to buy a house, the thing to consider is the reputation of the developer.
Second, checking the legality of the developer. Third, checking the legality of housing projects starting from the certificate, IMB / PGB and others.
"You can browse around first when you want to buy a house. This is important. Then check the legality, because now the internet is easy, the quota is also inexpensive, so maybe you can see it," he said in a discussion on how to safely buy a house / apartment, Friday, April 30.
Fourth, check the specifications of the house offered.
"It is necessary to check the specifications of the houses offered. Because sometimes the marketing is different from the last time in the field. This is also important," he said.
Finally, analyze the feasibility of housing location, public transportation facilities and environmental quality.
"To ensure that the house will be inhabited by the community, also make sure that the location of the housing is there if there is transportation in the future. Is it very far? This is also very important to ensure that later you will not be disappointed," he said.
2. Reserving a house to the developerBekti said, the first step that must be taken is checking the suitability of the sales brochure with the house order letter. Second, the public must calculate the down payment, taxes, and fees that must be paid at the time of ordering and the KPR.
Finally, prepare the documents needed to apply for a KPR.
3. Verification of financial institutions and credit approvalAt this stage, said Bekti, there are four steps that need to be considered by the public, financial institutions and developers. First, financial institutions will ensure the accuracy of public submission data.
Second, ensuring the creditworthiness of the community. Third, ensure the feasibility of the house to be traded. Lastly, ensure AJB documents and house certificates.
4. Credit agreements or financing agreements with financial institutionsBekti said, at this stage there are three things that the community must really pay attention to. First, monitoring the stipulation of time for disputes and house specifications as promised.
Second, read the KPR and AJB contract documents before signing as proof of purchase. Third, make sure there is life, fire and credit insurance.
5. Installment payments and occupantsAccording to Bekti, there are three things to note at this stage. First, supervise the completion of the SHM certificate or title deed at the notary.
Second, check the condition of the house during the warranty or maintenance period. The last is to make credit installment payments in a timely manner.
"Regarding credit figures, make sure you read the documents, because usually the documents are very small in writing. This is important. Then, at the time of payment, make sure that there are several things that need to be seen for documentation," he said.