Over Credit Of Subsidized Houses,: Explanation, And How

Over Credit For Subsidized Houses (Unsplash)

YOGYAKARTA - Talking about over-credit subsidized houses certainly makes many people ask, answer it? and how are the steps?

If asked that, of course, the answer is yes! As long as the subsidized house has been inhabited and evicted for five years. This is feasible with PUPR Ministerial Regulation No. 26/PRT/M/2016 which considers that subsidized mortgage houses cannot be rented or transferred to their holdings other than having been inhabited for more than 5 years.

If caught violating, there is therefore a punishment that should be received by subsidized homeowners. That is, it is appropriate to return the subsidy funds that have been received, and then the implementing bank will use commercial interest rates for the next installment. More about the over-credit of subsidized houses will be discussed in the following review.

Over credit for subsidized houses, namely the transfer of ownership and payment of mortgages for a subsidized house that is currently running to another party supervised by banks in accordance with applicable regulations and regulations. This can happen because the owner of the house feels unable to continue the installments with a long enough tenor.

In order to run over-credit subsidized houses, at least two general steps have been taken by a number of people. Anything?

Over Credit Of Subsidized Houses With Purchase And Purchase Progress

In this way, the applicant will take over the installments of the house that have not been completed or paid off to continue the installments against the bank. In this case, it will involve three parties, namely you as the applicant, the seller of the house, and the bank.

Over Credit Of Subsidized Houses Under Hand

The way under hand is an illegal system because it does not involve the bank. This means that you as a potential buyer take care of takeover only with the seller or the owner of the old house. You will generally be asked to pay a number of tariffs as a takeover rate, then the rest of the mortgage installments. In this case, the bank does not know that the house has changed hands.

Tentunya cara bawah tangan akan benar-benar berisiko, sebab hal-hal berikut ini:

Legal Basin Over Subsidized Home Credit

The basis for subsidized home loan overregulation is permitted in the Minister of PUPR Regulation No. 20/PRT/M/2019 concerning Ease and Assistance for Home Ownership for Low-Income Communities. As in Article 74 paragraph (5), landed houses or flats (flats) can only be rented out and/or transferred ownership in case of the following situation:

The requirements are

Of course, there are some conditions that should be completed before running over-credit for subsidized houses. Unlike when applying for a mortgage for the first time, as a seller you are even required to prepare a deed of ownership. To run over-credit subsidized houses, documents that sellers and buyers need to prepare include:

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