Tips on Targeting Homes for Sale in Jakarta for Young Families and Employees

Many people are still interested in speculating fate into the capital with hope
for a better life. Those who are still in this productive age indeed
still has open opportunities to build a career and married life
stairs in Jakarta. The next step, search home
for sale in Jakarta while saving up
and live in a boarding house or rented house with his wife.

So how to start the steps to realize these desires?

·
Adjust Lifestyle

The first step a new married couple can try
can immediately have a dream home is to live a simple lifestyle.
Those who work as employees or are still pioneering businesses already
should save money while enjoying pioneering households in homes that are not
too big like a boarding or contract.

Living with a husband or wife in boarding is likely to need
costs around Rp. 1.3 million every month. As for simple house contracts
the possibility is in the range of Rp. 1 million to Rp. 1.5 million per month. With
a little careful calculation, you can save for money advance home purchases such as mortgages.

·
It doesn't have to be in the city center

You should also be realistic with the budget you prepare. If
possible, you could redeem housing in the city center at a price
high. But if not, you can choose a house on the outskirts with
the price is still affordable with transportation compensation. Such that
it is known that each area in an area has its own price trends such as Jakarta
South, West Jakarta, East Jakarta and North Jakarta.

Houses for sale in East Jakarta have a trend that is cheaper than the area
other. In this area the price range you can estimate is Rp. 8 million / m
square. While for other regions, it can reach up to Rp 10 million per square meter.
The more to the edge of the location of the house you are lyrics to, the more likely the price will be
more affordable.

Many houses with 45 (minimalist) house types should be enough
to be inhabited by a family. This type can promise a guest room, 2
a bedroom, a bathroom and a kitchen for a family. Then roughly,
with a budget of around Rp 500 million, you can already have a decent house at
East Jakarta.

·
Looking for Home Loans
(KPR)

A step that is no less important in efforts to realize a dream home
is to become a KPR hunter. You also should also not origin
looking for mortgages at low prices without having a guide. You can compare various
mortgage offer from the bank. There are many property sites that provide this
calculator to make it easy for you to calculate your mortgage and interest rate simulations
get a more accurate picture.

·
Make a Plan

When you've found a coveted home in Jakarta, step
Next is to make realistic calculations so you can
make installment payments consistently. You can make a plan
by dividing the budget between paying money for a DP and counting
what is the monthly repayment capability. Calculate realistically between budgets
household and personal needs.

·
Start Saving Advances

In the policy issued by BI, it is stated that for money
advance ownership of mortgages is 10% for Islamic banks and 15% for banks
conventional. In other words, the opportunity to get a mortgage program with
Low down payment is still very possible. But you don't either
need to be surprised to learn that most mortgage programs still use
DP system by 20%.

·
Calculate installments

Once you have an idea for saving down payment, next
is calculating the amount of installments per month. You are required to make
approximate installment simulation so that it is not too burdensome in the future. You
can take advantage of simulation calculations provided by the official website
related banks or through other online property platforms to get numbers
Accurate.

Illustration

Also keep in mind that the calculation simulation is not yet
including various other costs which include the process of buying and selling property between
another certificate check fees, purchase and sale certificates, transfer fees, receipts
Non-tax state, PPH, BPHTB, KPR fees and services for notaries.
Some of these other costs must also be anticipated so that the process can run
smoothly and on time.

Those are some steps that can make it easier for you to realize
dream home for small families. It doesn't matter if you are a private employee or
a new entrepreneur pioneering, you can immediately save a down payment immediately
do it without having to wait for marriage first so that you don't take too long
inhabit rented house with a partner.

Still many house for sale in Jakarta that
offered with affordable DP, especially in the eastern region. During the payment process
down payment is complete, then you and your family can already inhabit the house
while the installment payment process is ongoing.