Tangerang - The interest of the younger generation to buy a house through a home ownership loan (KPR) has increased. However, the decision to buy a house without careful calculations has the potential to put pressure on long-term finances, especially in the midst of current economic uncertainty.
SVP Consumer Loan Bank Central Asia Melani Megawati reminded that the first step that prospective home buyers from young people need to take is to ensure that the decision is based on real needs, not just a trend or FOMO impulse.
"When we buy a house, we still see it from the perspective of our needs. That is, with our current conditions, for example, we have definitely bought a house loan in 2026 which is part of the ICE BSD, Tangerang, Thursday, February 25, 2021.
Melani said that buying a house without proper financial planning has the potential to cause problems later on. According to him, many young generations who are still in the early stages of their careers often miss calculating the total obligation of the mortgage, especially the burden of interest and other additional costs.
"We need to look at the KPR side, what are the costs that will be incurred, especially for the interest side," said Melani.
According to Melani, the certainty of installments is a crucial factor for young age groups whose income is not yet fully stable.
The selection of the interest scheme, he said, must be adjusted to the income projection so that it does not end in arrears.
"We have to adjust to our ability. For example, I want it in the long term, when we talk about interest rates in the long term, it means we already know there is certainty from the interest side," he said.
In addition, the transparency of information related to the remaining installments is also considered important so that customers still have control over these long-term commitments. Melani said that the ease of monitoring credit obligations can help with more disciplined financial planning.
"When I want to know, roughly how much the remaining installments are. Well, at BCA it can be seen. We can see it on KlikBCA or the website, the total or the portfolio is how much," he said.
Not only that, according to Melani, after-sales service is also an aspect that is no less crucial. Considering that the KPR loan can reach decades, customers need help or information when they need it.
"Because the loan is long, don't let it happen when we have taken (KPR), he (the customer) is confused 'if there is a need related to KPR, who do I contact? Well, with us, the customer can contact Halo BCA," he said.
Even though various government stimuli and policies continue to be given to encourage the housing sector, Melani emphasized that the decision to buy a house must still be taken rationally, by considering current financial conditions and future risks.
"The side of the house needs to be seen, the side of the financing also needs to be seen," he said.
The English, Chinese, Japanese, Arabic, and French versions are automatically generated by the AI. So there may still be inaccuracies in translating, please always see Indonesian as our main language. (system supported by DigitalSiber.id)
