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Title : Dizzy Calculate Mortgage? Have you used the following tool?
link : Dizzy Calculate Mortgage? Have you used the following tool?
Dizzy Calculate Mortgage? Have you used the following tool?
Have
own home is the biggest hope for everyone. Home becomes a place
the most comfortable stay that you can share with your family. If you have
Own private homes, you don't need to pay rent for a house. Therefore,
You can use the money you have to do other activities.
False
one thing that is an obstacle for many people when buying a house
is price. House prices are expensive. From year to year, the cost of purchase
the house will increase. Likewise with the construction of a
home. You have to buy land in a high price, expensive material,
not to mention the services of builders and architects are increasingly expensive.
If
You can't buy a house in cash yet, you don't need to worry. You
can try to buy a house by way of mortgage loans. Property prices with
using a Home Loan will be more affordable. No need
waiting long to have a new home after marriage. Take a mortgage as
your best solution.
Why
Choosing a Home Mortgage?
Choosing a mortgage in order to buy a new home
is one of the best ways to own a home. Not everyone
have a large capital to buy a house. By buying a house through
Mortgage, you do not need a large capital. However, many say
that buying a home in a mortgage is quite complicated.
Actually, buying a home in a mortgage is not as complicated
that you imagine. It's just, you can learn a few tricks and
important information when going to buy a home in a mortgage.
1 Find out interesting information about all KPR dealers
Many banks provide mortgage services for
You. You can take a moment to find interesting information and
important about the bank that you will use as a mortgage distributor. You can
find out the advantages and disadvantages of each bank.
You have to make sure in detail about the tribe
interest, convenience you can receive, and application requirements. However,
You don't need to go to the banks to find out information about home mortgage simulation which is offered. The existence of internet technology will
makes it easy for you not to come directly to the bank.
In addition to finding information to go directly to
bank, you are also advised to ask your relatives or neighbors
have taken KPR facilities. This information is very important for you so
You know firsthand and the details about the mortgage facilities by hand
first directly.
2 Find the applicable interest rates
The second step you must do is
know the applicable interest rates. The bank will impose several types
open rate system. The interest system used is usually a fixed rate or
fixed rate system and floating rate system. Some
The bank also offers a combination of fixed rate and floating rate systems.
Most banks prefer to use the system
combination for its customers. This combination system applies interest rates
remain for several years and when the time is up interest rates will
moves according to the conditions of interest on the market determined by BI or
Bank Indonesia, called the floating rate.
Usually, for Islamic banks adhere to the interest system
flat alias fixed because it does not use interest rates, but by using
profit-sharing system. You must be able to determine which interest system is the most
suitable for you to use and that fits in your pocket.
3 Calculate the installment rate
Now, you already know the interest rates that apply. After
that, it's time for you to calculate the installment rate. Don't be lazy to
calculate your own installments. If the bank offers a mild interest promo, you do
also have to have an estimate of how much you have to pay the installments.
You should know the highest mortgage rates on mortgages
the bank concerned. This count is very important for you to avoid
the existence of extreme heart sport due to installments that change when promos
provided the bank has finished.
If you are confused about how to count
KPR, you don't need to be embarrassed to ask. Shame asking will only get you
get lost on the road. You can ask questions about things like:
1
What is the process of paying off the mortgage before the tenor ends?
2
How much is the late payment penalty?
3
The application process must be completed
4
The highest interest rate on mortgage facilities at the bank
5
Mortgage processing fees that you must pay
All these things you must ask in full
and details. If you have a headache in calculating mortgages, you can use interesting tools
the following.
Tool
Interesting To Calculate Mortgages
Many people feel dizzy when calculating mortgages.
When in fact, a lot of interesting tools that you can use for
calculate mortgages. An interesting tool that you can use to calculate mortgages is
Mortgage Calculator.
KPR simulation is very easy to use in
calculate mortgages. This calculator will not make you think hard and
find out what you have to count. In the mortgage calculator, there are several
points that must be filled in, such as loan amount, interest rate, time period
loans and so on
Here's one example of a mortgage based simulation
mortgage calculator that you can sample. For example, the value of your mortgage
submit is 150 million rupiah with an effective interest of 12% per year.
If you will take the installments within a period of 5 years, then you are
must repay the principal loan along with the interest you must pay in the amount of Rp
3,3636,667.00.
Based on the KPR calculator tool used, total
money to be deposited to the bank is Rp 3,3636,667.00 x 60 months. That result
You get is IDR 200,200,020.00. If the time period you want
is 10 years, then the monthly installments you have to pay is only
around Rp. 2,152,064.00
By calculating using the mortgage calculator above,
then you can get the calculation exactly. Finally, you can too
make a separate decision regarding the term of payment for paying off the house
what do you want. Do not let the time period you choose will be difficult
You. It would be better for you to pay the tempo according to ability
You.
After you calculate all the costs you have to
pay, you can also tighten your belt. That is, you have to
downsize for a period of time until you are able to pay off
home payments that you will pay
After you count with the tool above in a manner
automatically, you can certainly be more efficient and more able to choose
the right products and home loan schemes. You can open a mortgage calculator
easily directly through a computer or through your gadget rather than having to
calculate it manually. By using the KPR Calculator tool, an error
what you do during the calculation will become more minimal.
Another thing you need to remember in purchasing a home
Mortgages are make sure that the house you want to buy is eligible
as a dwelling. Make sure the occupancy you want to buy is ideal for your family.
Do not let you buy a house that is not enough for family use.
You can buy a house in certain areas
with a larger size and at a low price. It's not far from
important urban areas affordable to your workplace.
When you make a decision about a mortgage at the bank,
You must ensure that you are able to pay the mortgage on the house you are buying
until the tenor is completely used up. Do not until you fail to pay the installments after
pay for several years. The result is very fatal because it is your home
The pay can actually be confiscated. You can also experience a big loss.
To prevent this from happening to life
You, you are also advised to calculate your estimated mortgage. If repayments
considered large and burdensome, then you can pay a deposit in the amount
the bigger one to use as a solution.
Hunting for mortgages is not always easy, but also
not difficult for many people. Provided you have a lot of information,
then you will be easier to get a home mortgage. Do not forget,
ask relatives and friends about cheap home mortgages. Let's start
hunt for mortgages from now on.
Thus the article Dizzy Calculate Mortgage? Have you used the following tool?
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