01 Nov 2023 | Edukatips

Worry no more! Apply for a mortgage after reading this!

Owning a house is a dream for everyone, and a Mortgage Loan (KPR) is one of the ways to make that dream come true. However, many people are still hesitant to take a KPR due to limited knowledge of it. Here are some things to consider to overcome your doubts about taking a mortgage:

  1. Understand KPR Terminology
  2. Understanding terms related to mortgage can help you navigate the mortgage process with ease. Some terms to grasp from the start include: interest rate, tenor, down payment (DP), loan ceiling, and so on.

  3. Capability to Pay Installments
  4. Before taking a mortgage, make sure you have thoroughly evaluated your monthly budget. Consider all your monthly expenses to avoid difficulties when paying installments. You can simulate your payment capability and monthly installments at Rumahsaya.bca.co.id.

  5. Prepare the Required Documents
  6. To facilitate the mortgage application process, ensure you have prepared all necessary documents, both personal and property-related. Check the document completeness requirements for KPR at Rumahsaya.bca.co.id.

  7. Components of Costs to be Paid in KPR Application
  8. There are several costs to be considered in a mortgage application, such as: commission fees, administrative fees, life insurance, fire insurance, notary fees, and other fees in the KPR application. The detailed cost breakdown can be obtained once your credit decision is approved.

Now, these are some things you need to know when applying for a BCA mortgage. If you are ready, you can apply for a KPR BCA at the nearest BCA branch or visit Rumahsaya.bca.co.id. If you have any further inquiries, you can leave your contact information to speak with the BCA KPR team. Click the button below.