Before you take out a credit loan, you need to know in advance how much credit needs to be carried, you can use mortgage simulations to be able to figure out the problem. There are several banks that offer such services to provide convenience to anyone who wants to know how many home loans.
The need for a home is indeed necessary for every creature in the world. But to get a decent home, capital preparation isn’t bad and not everyone can pay that much to buy a home. This mortgage can therefore be a solution for the lower middle class to be able to get repayments. Yet those who want to take out a mortgage often feel doubtful because they are afraid if they cannot return the installments.
While in the simulation in the form of a mortgage calculator, it can better prepare customers who want to take home installments to find out how much the amount has to be paid. Or with a fairly large number of customers can divide the finances to pay installments of home loans. All these things should be carefully prepared in advance.
Given that to decide to take out a home loan, this means that you also need to be ready to carry a debt with a lot of money for your life. Therefore, it requires different calculations and also readiness in different things, including in financial planning will be carried out when it has taken deadlines. Use mortgage simulations at different banks that offer this service, here is an explanation.
Several banks that serve mortgage simulation
The bank offers a mortgage calculator service to provide convenience to customers who plan to take out credit to buy a home. Banks offer these services, including mortgage simulations from BCA, then Mandiri banks, BTN, BNI, BRI banks, Maybank, Permata, CIMB Niaga, Danamon and simulations at UOB.
The first is BCA’s simulation of mortgages. This bank is known for itscalculation of nyes in interest relatively innovative compared to other banks. Since the majority of Indonesian people are quite sensitive to interest rates, this bank offers interest quite innovatively, namely the existence of “fix and cap”, and also the existence of a “3-year interest rate fix”. This is to provide interest assistance for the community itself.
In the “fix and cap” arrangement itself, you get a service in the form of consistency on interest rates that can last 5 years. The given combination of flowers has both a constant and maximum amount. Everyone would like to get a certain amount and also constantly, then this can be a solution at BCA bank to use mortgage simulation.
Then there is such a thing as “fix 1-2 months” if you take this product, then within the first 1 to 2 years it is certain to get an interest guarantee, and there is no penalty needed if you are going to make repayments. With the scheme, it becomes its own relief for customers, and also interest with, among other things, the smallest value. Even based on several surveys that have been conducted, BCA is suspected of having an interest in very cheap value.
Uitleg hypotheeksimulatie voor Bank Mandiri, BTN, BNI
The extensive network is owned by Bank Mandiri, has reached different regions to remote parts of the archipelago. Given that this bank is the largest bank in Indonesia, it will always offer you no less good service than other banks in the country. There are a few things to be attractive in this bank. One of them is the tenor of using mortgage simulations for a very long period of time, even up to 20 years.
It becomes very appropriate in that long time if you want to take out a loan in the form of real estate. As for the interest rate scheme, Mandiri bank certainly has a variety of attractive features as follows. Namely the existence of Mandiri Flexible and Layered Terms. Both have their own advantages. In Mandiri flexible you can take the house and then decide for yourself how long and the credit distribution in each division. And for layered installments you can postpone as an installment until the third year, for the following year the installment returns as usual.
In addition to Mandiri, BTN bank also offers credit services for home loans. In fact, this bank has been offering these lending services for a long time. This is a government solution to help people easily buy a house. In this case, the convenience for the government for low-income people can get a DP with a large value of only 1%, as well as an interest rate of 5%, can be taken for a long time up to 20 years, for that it is not necessary to hesitate to use mortgage simulations.
You can also do this simulation at BNI bank. The loan product provided by BNI is called BNI griya and can be used for various purposes such as refilling, renovating or buying, taking over for villas, shophouses, separateemen, loting land, and much more can be used in bni griya. Even interestingly, the tenor given by this bank can reach 25 years.
BRI, Maybank, Permata, also no less interesting in providing mortgage services
Currently, BANK BRI is one of the banks with a large number in Indonesia. This bank is therefore not inferior to guiding the use of mortgage simulations for its customers, whereby two products can be used when taking out loans. It is in the form of regular and also subsidized. Both are well suited for use by BRI customers throughout Indonesia.
For regular credit, it is intended for ordinary people who have sufficient income. Occupancy can be taken in the form of a house, apartment, etc. While in the type of Subsidy it is of course used for people with an income below 4 million, by meeting certain conditions.
And if you’re a Maybank customer user, there are two credit options that can be done. Namely Maybank Floating Rate, Interest Free, and also Maybank Plus. In the variable interest rate, you can pay interest from the beginning of taking installments. And in Interest Free you get a combination with the included savings account. In Maybank Plus, the credit is combined with the number of installments on the current account when using mortgage simulations.
In Permata bank, loans are given through regular and sharia means. You can choose both based on your individual needs. The existence of a sensible mortgage in Permata, allows you to enjoy an interest rate of 0%, and also 75% given asa calculation when making the principal deduction.
Choose according to your individual needs
By adjusting the income you receive, you can choose which one can be taken so that you can easily pay the installment money later. Not only be tempted by the amount of loans in large quantities, but how can you be responsible for the loan later on. Make sure you use a mortgage simulation and are able to pay according to the given grace period.
Remember that when you decide to take out a home loan, it means you should also be ready to carry debts with a lot of money for your life. Therefore, it requires different calculations and also readiness in different ways, including in financial planning will be carried out when it has taken deadlines. There are several banks that offer this service, here is an explanationnyes
Because of the loan debt you use to buy a house, it will be a big dependent in your life. Making preparations to be lighter in lower periods can also be handled as early as possible. Especially for those of you who earn with an average value, using mortgage simulations may be more useful in the future.