Terms technique buy housing in Jakarta

Terms technique buy housing in Jakarta: Consider the following things related to your dream home: Condition of buildings: about the foundation, structure, floor coverings, wall coverings, roof truss, roof coverings, and ceilings as well as utilities in it. Make sure everything is still pretty good, safe, functioning, and does not require much improvement.

Check location carefully; do not just receive reports from third parties. Also make sure the house and its environment rather than termite-prone areas or flood-prone. Status of land, whether the HGB, property, strata title, or other proprietary? If HGB (land certificate), whether the certificate is still valid or needs to be extended? If I had to be extended, if possible, and at what cost? Do not forget to match the owner’s name and house number with a name and number are listed on the certificate.

The size of land and houses are indeed in accordance with the certificate and listed in the (building permit) IMB? Very good if we make repeated measurements, not only so that the current account is true, but also so that the size of houses and land in accordance with the needs and desires of the buyer. Building permit, should the building in accordance with permit, or only slight changes. If the house does not have permission, we cannot get support to buy mortgages from banks. In addition there is the possibility of local government officials demolished the house for violating the provisions of the allotment of house construction.

If you want to renovate it after the purchase, be sure the house was renovated. Environmental conditions of housing, is it good enough and adequate, whether the condition of roads and channels, network utilities, as well as accessibility and public facilities around it? The house is ideally could be passed freely vehicles, road conditions and maintained the line, the security environment is quite conducive, not flooded, and people just accept the newcomers. Telephone network, electricity supply, water, and gas (if any), if available and sufficient to meet the needs of the house and does not often appear the problem? Ask if the house is equipped with telephone networks, and how the capacity of electricity, water, and gas are installed? For that sellers ask for a document showing the installation and final accounts. The history of the house, have the house was burned in whole or in part? If ever how it impacts the foundations and building structures? What to do when the old owner to fix it?

Are there any events happening at home once a shocking crime such as murder and robbery? How it could happen and how to completion? Land and building tax, make sure the seller has always paid regularly, including other costs such as environmental management and other fees.

Should pay attention to the terms and conditions of purchase of the house the house itself before deciding to buy a house. As consideration, the following things you need to consider before buying a house:

1. Distance factor is often a consideration, when choosing residential locations who want to buy. It is not enough to be the benchmark for being the only criterion in selecting the ideal occupancy. Why?, Measuring the travel time based on the distance to the city of Jakarta, where travel time is directly proportional to the access and road infrastructure, not by distance. Distance is also associated with transportation facilities. Residential location in Bekasi within 40 km of Jakarta or in Serpong which is about 26 km from Jakarta would have been different if we traveled by train means than by car for example. Therefore, do not ever consider buying again, or have a shelter just because of the distance factor. You should consider other factors. You definitely excited when going to buy a house for the first time.
2. How is your track record: Borrowing money from banks, is still a common way to get a dream house. Only, in this way will never materialize if your name has been “eliminated” from the list of potential borrowers by a bank where you’ve borrowed money before. This is because you do not have a good record in resolving credit card debt or other credit. Home resale transaction should also be done with facility because it is much more secure mortgages. To that end before the transaction, it is better to ask the bank that will extend credit in order to assess the house. At the very least, the assessment of professional appraisers can be used as benchmark for a decent bargain home price. Resale home prices are usually less expensive than new homes classmates. But this greatly depends on the economic situation, the condition of the building, and prestige environment.
3. Do not hesitate to consult. Ask anyone, either friends or relatives who had used the services of borrowing. Invite them to share experiences and can refer you to a bank that does have credibility. You should check and compare multiple quotes from lenders that. You do not need to worry, because your loan will not be rejected if all requirements have been approved.
4. Buy when the price is still low. Some residential houses are set high prices because the infrastructure is already complete. Construction of highways, for example, could make home prices rose 30% -50%. Therefore, if there are plans to build toll roads in residential areas that you are looking for, please do not hesitate to buy the house before the price goes up. However, it is important to ensure also that you choose a secure area of ​​the affairs of land acquisition.
5. Buy at an average rate is still quite normal. There are times when lending rates fall or even dropped. This is a sign, to immediately invest in the property sector. Quick, buy a home of your choice.
6. Make sure you are sufficient funds. Advances or a sign so of course must be paid away. Ideally, your savings of at least 30 percent of house prices to be purchased.
7. Allocate additional costs. Not enough to just think of the sign so and the money then, because you also have to prepare the budget, particularly the insurance fund, tax, and consulting fees, or administration. This amount should be budgeted as an additional payment each month, in addition to the amount you pay for the mortgage. Do not forget, have also fund home repairs and maintenance.
8. Examine of the house offerings. Carefully assess the homes that will be purchased. Could be, the status of the house to be sold are still confiscated. Prepare a little money to hire experts who can assess and find out the legal status of the house. Do the transaction with the notary deed. Do not believe it at market prices mentioned seller. Ask for proof of payment of the last the property tax There are listed NJOP (property tax) land and buildings. After that, look for information to residents about the market price of the house at the local site. Can also ask questions or seek out the nearest broker’s office, or see ads in the same house nearest location in the newspaper as a comparison.
9. Do not be easily tempted to short supply. You do have to be careful about this. Because, the house does not yet have a certificate of property rights, or the right of land is still “Girik”. Or, the land is still in dispute, so do not be surprised if a house like this offer a cheaper price, but the process will be tortuous and long.

for Valuation for evidence of value link to: http://marketvaluer.blogspot.com/2011/10/valuation-for-evidence-of-value.html

Source: various sources.