Step by Step Cara Mengajukan KPR Ke Bank | Bisnis Tanpa Modal

Summary

In this video, the speaker shares a detailed guide on applying for a KPR (housing loan) in Indonesia. They discuss the importance of passive income from properties, compare different banks' loan offers, and outline the steps involved in the application process. The speaker emphasizes verifying property documents, understanding loan terms, and ensuring the property's income covers the loan payments. They also touch on the appraisal process, bank approval, and the final notary transaction. The video aims to educate viewers on securing a housing loan with confidence.

Takeaways

• 😀 The speaker has extensive experience with mortgage applications, having completed 81 contracts with about half being for mortgages.
• 🏠 The speaker emphasizes the importance of choosing properties that generate passive income, which is income earned without active work.
• 🔍 When applying for a mortgage, start by contacting the bank's marketing or sales department for information on mortgage products.
• 📝 Compare different banks' mortgage offers, considering interest rates, loan terms, and prepayment penalties.
• 🏡 Search for properties that meet your criteria, such as location, size, and additional requirements.
• 🤔 Calculate the potential income from the property and compare it with the mortgage payments to ensure the income is greater than the payments.
• 📋 Request necessary documents from the property seller, including a copy of the property title, tax bills, and identity documents.
• 💰 Be prepared to provide a deposit (tanda jadi) to show serious intent in the property purchase.
• 🏦 Submit all gathered documents to the bank, which may include personal identification, proof of income, and marriage certificate if applicable.
• 🏡 The bank will conduct an appraisal to assess the property's value, which may take up to 45-60 days, especially for secondary market properties.
• 📝 The final steps involve signing the mortgage agreement with a notary, settling taxes, and transferring funds, with the bank often represented by a third party.

Q & A

What is the main topic discussed in the video script?

The main topic discussed in the video script is the step-by-step process of applying for a KPR (Kredit Perumahan, or housing loan) in Indonesia.

What does the speaker claim about their experience with KPR?

The speaker claims to have substantial experience with KPR, having completed a total of 81 contracts, with about half of them being KPR, and around 40 of those already paid off.

What is the speaker's profession or area of interest mentioned in the script?

The speaker identifies themselves as a property investor, with a preference for properties that generate passive income.

What is 'passive income' as mentioned by the speaker?

Passive income, as mentioned by the speaker, refers to income earned without active work, meaning the property should generate income without the owner having to work for it.

What is the first step the speaker suggests when applying for a KPR?

The first step the speaker suggests is to contact the bank's marketing or sales department that handles KPR to inquire about the process.

Why does the speaker recommend comparing offers from at least five to ten banks?

The speaker recommends comparing offers from multiple banks to understand the different advantages each bank offers, such as lower interest rates, easier processes, or longer loan durations.

What are some of the factors the speaker advises to consider when choosing a property for KPR?

The speaker advises considering factors such as the property's income potential compared to the loan installments, the property's size, location, and additional criteria that the buyer might have.

What is the significance of the 'appraisal' process mentioned in the script?

The appraisal process is significant as it is when the bank evaluates the property's value to ensure it matches the requested loan amount. This is crucial for properties that are not new or directly from developers.

What documents does the speaker suggest obtaining from the property seller before proceeding with the KPR application?

The speaker suggests obtaining documents such as a photocopy of the property title deed, proof of tax payment (PBB or PBG), a copy of the ID card, and ensuring the seller is the rightful owner of the property.

What is the purpose of the 'tanda jadi' or earnest money mentioned in the script?

The purpose of the 'tanda jadi' or earnest money is to serve as a serious commitment from the buyer to the seller, showing that the buyer is genuinely interested in purchasing the property.

What are the final steps described in the script for completing the KPR process?

The final steps described include finalizing the transaction with a notary, settling taxes for both the buyer and seller, and transferring funds as agreed upon, followed by the bank transferring the funds to the seller after the notary process.