For those of you who already have the funds for the DP and the cost of mortgages, and are ready to take home loan, the wise tips this time, I try to discuss, what are the things that prevent us to get a good house wife.
1.employin to paying cash.
Is not it funny .. why pay cash instead hamper? Due to be paid in cash, there is no track record of income to your bank account Anda.Bagaimana way out?
If you are a civil servant, just add a copy of the book, if private sector employees, a copy of any SPT Pph 21.
2.Masih owe credit card.
Should still be paid away. Because your credit card is now stuck in any bank, it would go unnoticed because you are names checking.Ini BI also applies even if you just stuck in credit card Rp.6000 stamp money.
3.Punya bad credit.
Your name will be recorded in the BI blacklist and be clean again after three years. Actually to be seen case by case, in this case, the bank does not average out.
4. installments or other loan vehicles.
Do not worry, if there is other income which can be proved with the financial statements and ownership of its business, may also be included to add income. Or joint income with a spouse can too. The explanation is due to the persistence of the installments of the vehicle, then pay the mortgage so you still have to pay down karenba car loan. Our suggestion, because it decreases the value of teryus car, new car take pay off first mortgage home values continue to rise.
5. Has not worked for 2 years as a permanent employee
This means the bank will look at you do not have a fixed income cash flow. If you have previously worked for 2 years at the old company, can include letters of reference.
6.home a targeted, not "marketable"
The point is not that hard to sell more marketable. For example if the house in the alley, under SUTET, next to the grave, or is near the "gray area" (plus-plus massage parlors or localization).
1.employin to paying cash.
Is not it funny .. why pay cash instead hamper? Due to be paid in cash, there is no track record of income to your bank account Anda.Bagaimana way out?
If you are a civil servant, just add a copy of the book, if private sector employees, a copy of any SPT Pph 21.
2.Masih owe credit card.
Should still be paid away. Because your credit card is now stuck in any bank, it would go unnoticed because you are names checking.Ini BI also applies even if you just stuck in credit card Rp.6000 stamp money.
3.Punya bad credit.
Your name will be recorded in the BI blacklist and be clean again after three years. Actually to be seen case by case, in this case, the bank does not average out.
4. installments or other loan vehicles.
Do not worry, if there is other income which can be proved with the financial statements and ownership of its business, may also be included to add income. Or joint income with a spouse can too. The explanation is due to the persistence of the installments of the vehicle, then pay the mortgage so you still have to pay down karenba car loan. Our suggestion, because it decreases the value of teryus car, new car take pay off first mortgage home values continue to rise.
5. Has not worked for 2 years as a permanent employee
This means the bank will look at you do not have a fixed income cash flow. If you have previously worked for 2 years at the old company, can include letters of reference.
6.home a targeted, not "marketable"
The point is not that hard to sell more marketable. For example if the house in the alley, under SUTET, next to the grave, or is near the "gray area" (plus-plus massage parlors or localization).
