Tips For Filing Mortgage Bank Housing Loan Approved

Buying a home can be spelled tricky. At the very least there should be conformity with the 3K wants, needs and financial capabilities. Well, one of the easiest ways to get home as you wish is through Credit Pemilikian house (mortgage) which is provided by the bank.But there are still many people who are so ordinary world of mortgages. Credit application is rejected by the bank which may not give a clear reason why the request was denied. Aryo Diponegoro, property practitioner and author of King Businesses Megaprofit reveals some tips for a credit application to be approved so that you can have a home.1. Having Income Bank requires people who apply for credit may be having income from salary or business. If a couple, either the husband or wife have income from work, then when the second credit application so that the combined income can increase the amount of mortgage filings. Banks usually require a third installment amount of income.2. There Savings Regular Savings obtained 3-7 months sourced from paycheck you receive. If you are businessman or entrepreneur to prepare the financial statements of your business. For financial statements, banks usually ask for a report two years. As for salary slip, a certificate needs to support the work of the office.3. Having a Taxpayer Identification Number (TIN) Generally, banks require mortgage providers debitornya candidates have TIN card. Well, if you do not have TIN card immediately created by visiting the local Tax Office KPP in accordance with the identity of your residence.4. Make sure it does not go BLBI BLBI members, not the Bank Indonesia Liquidity Assistance but Black List Bank Indonesia (BLBI). If you have credit in the bank, is not smoothly continue kreditan more than two months in a row, you are automatically entered BLBI members.5. Complete identity and the above conditions are met if you just add a copy of your ID card, ID card spouse, a marriage certificate and a family card. At the bank, do not forget the letters home. Usually they require a certificate photocopy, and the Land and Building Tax ID homeowners.6. Submit to Multiple Bank Often in applying for a loan only at certain banks, hoping the submission was received. Well, so do not expect anxiety continues, Aryo suggest, that your proposed mortgage is not just one bank alone but several banks at the same time, at least three banks. Why? "Because banks are also human processors. And every human being has their own subjectivity in approving mortgages that we ask. If it is possible to apply for credit to the bank more the better, "said Aryo.7. Ask Last Week Week young or too old to be considered in the loan application. Men from Jogja is also known as a motivator, especially in the property sector is revealed, when applying for mortgages much better done in the third to fourth week because usually the bank to pursue the target so easily approved.8. In January, The Most Ideal Not only weeks, months also largely determines the success of credit application. "If that had been applying for a loan is not approved in December is reasonable. In December it was hard to get credit because it is usually ready to close the book. In January, as now is the perfect time filed foreclosures, "he said, adding that no less important and often overlooked is to pray to God.

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