Carry out the intention of buying a home can begin with simple steps. What about?
The first thing you can do is record a number of needs that can be accommodated in a house that we will buy. For instance, large pages, number of bedrooms, and bathroom, should the garage or car port sufficient.
Furthermore, you can immediately visit property exhibitions. Typically, in the exhibition arena that offered many choices and types of housing prices.
The next stage is setting up funding. Money is the first time you spend in buying a home is generally associated with a down payment (DP), booking fees when buying from a developer, and the cost of the letter or the legality of your prospective home. Here are some types of costs:
Customs Acquisition of Land and Buildings
Accordance with Article 5 of Law No. 21/1997, tax rate is 5 percent of Acquisition Value of Taxable Object. a Value Object Acquisition Tax minus the Acquisition Not Taxable Value . Deed of Sale and Purchase .
It should be noted, that without Deed of Sale and Purchase, you will have difficulty in arranging a certificate in the Land Office. Deed of Sale and Purchase also be legally authentic evidence, that you have bought land or buildings in the bud.
Tax on
This fee is for the process behind the name of the certificate of property from seller to buyer. For homes purchased from the developer, Tax on is usually already taken care of by the developer and you just pay for it. The amount of the cost of biofuel is usually different in each region.
Provision
When buying a house with a mortgage, you will be charged fees to get it from the bank. These fees are collected the banks of the debtor (buyer).
The amount used to provision different in each bank by using a percentage of the nominal amount is disbursed. This fee is generally used for the purposes of administration and others.
Insurance
You are also required to pay the cost of life insurance, fire insurance, and cost of credit agreement. Insurance is needed in the loan process to ensure that does not happen in the future bad loans.
Granting Deed Mortgage
This deed is a guarantee of repayment of debts of debtor (buyer) to the creditor (bank), is associated with the loan agreement.
At first glance, it seems it is not easy to realize a dream home. It took no small amount of funds in its realization. To that end, plan your goals carefully.