Other offer fees in the mortgage process
When submitting a mortgage to buy a new home, you need to know as well as information about down payments and monthly installments. This is because there are some additional costs that must be prepared and paid as a condition of applying for a mortgage.Wrong Only one is the cost of provisioning.
Maybe I'm still confused about provisioning fees at this point. Now, for reference, this time we'll look at the provisioning costs that Kania needs to know before applying for a KPR. See the article below for details!
How much is the provisioning fee when submitting a KPR?
Reserves are additional costs for submitting KPR, etc. Generally, the preparation fee for applying for a credit is the fee that must be paid on the basis of compensation or compensation when the loan is approved by the bank. On the other hand, the amount of this fee percentage depends on the amount of the loan you are applying for.
Proportion of offer fee
KPR (KPR (Different percentage values for mortgages), KMGs (multipurpose loans), or KTAs (unsecured loans). However, of the three, KPR usually applies the most consistent percentage. This is 1% of the total loan. This is approved by the bank.
On the other hand, for KMG or KTA, the percentage of offer fees charged depends on the bank's policy. However, it is typically about 0.5% to 3.5% of all approved loans. For KMG, the loan process usually requires collateral, such as a housing certificate or BPKB vehicle certificate, so the provisions charged are usually much lower.
Payment of provisioning fee
For all loan products from banks, including KPR, you must first pay the provisioning fee in advance or after the loan application is approved and before the KPR credit agreement is executed. However, for KTA or KMG loans, the policy is that the allowance can also be deducted directly from the total amount of credit after payment.
How to calculate the provisioning fee
It's very easy to calculate the allowance you have to pay when you file a mortgage. All you have to do is multiply the percentage of the allowance agreed by the parties by the total number of approved loans. However, if there is a change in your credit loan application, such as prepayment, this fee may be calculated differently.
If you pay a down payment with a credit application, the down payment you paid can lower your total credit price, providing a basis for calculating provisioning fees. Then multiply the amount reduced by the down payment by the percentage of the allowance charged by the bank.
Free offer rate conditions
Reserves are almost billed on all forms of bank loans, including mortgages. However, some banks often offer free offer fees, depending on the terms and type of loan. However, banks may offer free provisioning fees with some requirements that need to be met.
Many banks offer free provisioning fees for certain types of loans, such as mortgages, and are only valid for a specific period of time. Therefore, be sure to pay attention to the special period set by your bank so that you can get a free provisioning fee.
Many banks can also offer an exemption from the offer fee, but you will need to complete an application. In this case, the bank will typically provide a free offer fee of over IDR 3,000,000 to applicants who are already hiring full-time employees with fixed interest rates, in accordance with the regulations of Bank Indonesia.
Of course, before you apply for a KPR loan, you need to know the provisions related to provisioning fees from the beginning. That way, you won't be surprised by the additional costs you have to spend. In addition to the above offer fee information, please visit the Decorma page for a variety of other interesting information.
Well, for those who are still looking for a home that suits the needs of your family, you can find it at Dekoruma House, you know! There are many choices of homes at the best price for you. Locations are scattered throughout the Jabo de tabek area. Some of them have homes for sale in BSD, South Jakarta, Depot, and Bekasi. What are you waiting for Make your dream home a reality with Decorma!
Source : http://i0.wp.com/www.dekoruma.com/artikel/121420/biaya-provisi-dalam-kpr
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