Use KPR simulations in the following banks : Kompirasi
Use KPR simulations in the following banks : Kompirasi

Use KPR simulations in the following banks : Kompirasi

Use KPR simulations in the following banks

Before taking out a mortgage, you should first know the amount of credit that must be covered, you can use a credit simulation to  find out about the problem. There are several banks that offer these services to make it easier for anyone who wants to know how much a home loan is.

The need for a home is indeed desperately needed for any organism in the world. However, in order to get a decent home, capital preparation is not bad and not everyone can pay that much to buy a house. Therefore, these loans can be a solution for people in the lower middle class to be able to access loans. However, those who want to take out loans often feel reluctant because they are afraid that they won’t be able to return the phase.

While in this simulation through a credit calculator, it can better organize customers who want to take out loans so they know how much needs to be paid. If by a significant amount of customers they can divide the money they have to pay off the home loan instalments. All these things should be carefully prepared in advance.

Keep in mind that deciding to take out a home loan, means that you must also be willing to bear no small amount of debt for  the rest of your life. Therefore, it requires a variety of calculations as well as readiness in various aspects, including in financial planning to be carried out when you have taken phases. Use credit simulations at several banks providing this service, here are the details.

Various banks serving the KPR simulation

The bank offers a mortgage calculator service to provide convenience to customers who want to plan to take out a mortgage to buy a home. The bank provides these services including KPR simulation from BCA, then Mandiri, BTN, BNI, BRI banks, Maybank, Permata, CIMB Niaga, Danamon, and simulations at UOB.

The first is a KPR simulation from BCA. This bank is famous for its nvaluationsyes in interest it is relatively innovative compared to other banks. Because the majority of Indonesians are quite sensitive about interest, this bank offers quite creative interest, namely the existence of a “fixation and cap”, as well as the existence of a “fixing 3-year interest”. This is to provide interest relief to the community itself.

In the “fix and cap” scheme itself, you will find services through consistency in interest rates that can last for 5 years. The mixture of flowers offered has a constant volume as well as a high volume. Anyone will want to get an obvious and regular amount, so with BCA bank this could be a solution to use a KPR simulation.

Then there is something like a “fix 1-2 months”  if you take this product, then within the first 1 to 2 years it is guaranteed to get a point of interest, and there is no need for a penalty if you make a payment. With this initiative, it becomes a relief for customers, as well as attracted by low value, among others. Even according to several studies that have been conducted, BCA is suspected of having very low value interest.

Definition of KPR Simulation for Bank Mandiri, BTN, BNI

The vast network is owned by Bank Mandiri, which has reached various regions to remote parts of the islands. Considering that this bank is the largest bank in Indonesia, it will always provide you with no larger service than other banks across the country. There are several things that have an interest in this bank. One of them is a tenor  using a credit simulation for  a very long time, even up to 20 years.

It is very good at this time to lend in the form of property products. Regarding the interest plan offered, Bank Mandiri certainly offers a variety of interesting features as follows. Namely the existence of Flexible Mandiri and Tiered Installments. Both have their advantages. In a simple Mandiri, you can take a house and then decide for yourself how long and distribute the mortgage in each division. And with Tiered Installments,  you can  postpone it  as phased until the third year, for next year the phase returns as before.

In addition to Mandiri, BTN bank also offers credit facilities for housing loans. In fact, this bank has been providing these credit facilities for a long time. This is a solution from the government to help citizens buy homes easily. In this case, the ease offered by the government to Low-Income People can get a maximum DP of only 1%, plus an interest rate of 5%, can be taken for a long period of up to 20 years, as there is no need to hesitate to use a credit simulation.

Then you can take this simulation also at BNI bank. The loan item offered by BNI is called BNI griya which can be used for a number of purposes such as upstairs, renovation or purchase, takeover of villas, shophouses, apartemen, kaveling land, and many more can be used in BNI greya. Even surprisingly, the tenor issued by this bank has the potential to reach 25 years.

BRI, Maybank, Permata, are also less interested in providing KPR services

Currently, BRI Bank is one of the most populous banks in Indonesia. Thus, the bank is also not inferior in guiding the use of credit simulations by its customers, with two products that can be used in taking out loans. Namely through regular subsidies as well. Both are well suited for use by BRI customers across Indonesia.

For conventional loans, it is intended for ordinary people who have a steady income. Accommodations can be considered houses, apartments, etc. Meanwhile, in the type of subsidy it is, of course, applied to people who have incomes below 4 million, by fulfilling certain conditions provided.

And if you are  a consumer of Maybank customers, there are two credit options that can be made. Namely Maybank Floating Rate, Uninterested, and also Maybank Plus. At the floating rate, you can payinterest from the beginning of taking phases. And in Riba-Free, you’ll get a mix with a donated savings account. While at Maybank Plus, the loan will be combined with a number of current account phases when using the KPR simulation.

At Permata Bank, loans are disbursed through regular and sharia channels.  Both of you can  choose based on  your individual needs. The existence of discreet loans in Permata, allows you to enjoy 0% interest, as well as 75% as a valuation when deducting a given principal.

Choose according to your individual needs

By adjusting the income you earn, you can  choose which ones can be taken so that you can later pay installments easily. Don’t just be tempted by the amount of a large loan, but how you can calculate the loan later. Make sure  you use a credit simulation and  be able to pay based on the grace period provided.

Keep in mind that when deciding to make a home loan, it means that you must also be willing to bear a debt with no small amount for the rest of your life. Therefore, it requires a variety of calculations as well as readiness in various aspects, including in financial planning to be carried out when you have taken phases. There are several banks that offer this service, here are the detailsnyes

Because the mortgage  debt you use to buy a home, it will be a huge dependent on your life. Making preparations lighter in carrying phases can also be prepared as early as possible. Especially for  those who earn at an average value, using a mortgage simulation can be even more helpful in the future.

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