YOGYAKARTA Everyone has the right to housing in the form of a house. On this basis, the Government has a subsidized housing provision program for low-income people (MBR) who want to buy a house. One of the conditions that must be met by the applicant is to meet the salary limit for applying for a subsidized house.
People who have monthly wages in accordance with the provisions of the salary limit, can apply for subsidized Home Ownership Loans (KPR). Subsidized mortgages themselves are financial assistance to the community to get long-term housing. Then, what limits are needed?
It should be noted that the Government does not set a minimum salary limit for people who want to apply for subsidized mortgages. This means that anyone can apply for a mortgage. However, the Government has a maximum income limit for applicants who apply for mortgages.
There are two maximum limits for mortgage applicants' salaries, namely Rp. 4 million and Rp. 7 million. People with a maximum salary of Rp. 4 million are allowed to apply for mortgages for landed houses, namely houses built directly on land. Meanwhile, people with a maximum salary of Rp. 7 million may apply for mortgages for flats, namely houses that are built in stages.
As mentioned earlier, everyone can apply for a subsidized mortgage as long as it does not exceed the maximum salary limit. However, people who have income far below the maximum also cannot apply for a mortgage carelessly. The installment limit paid by the applicant cannot be more than 30 percent of the income. This means that someone who has a salary of Rp. 1 million, for example, mortgage installments cannot be more than Rp. 300 thousand per month.
The salary limit is indeed one of the important things in every KPR application, which is used to measure the applicant's financial capacity. In addition, salary and installment limits are also set to anticipate bad credit.
It must be noted that there are building criteria that are included as one of the provisions for subsidized mortgages, namely as follows.
另请阅读:
People who plan to buy a subsidized mortgage house would be better off knowing what the requirements for submitting a subsidized mortgage in general are as follows.
That's information about the salary limit for subsidized house applications. Visit VOI.ID to get other interesting news.
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