Category: Real Estate

Yuk, take advantage of the BPJS Employment to buy a home!

In fact, the main benefit of the BPJS staffing (BPJS-TK) is to provide social security for the participants.

Managed by State agencies, BPJS serves to provide protection on labor and anticipate socio-economic risk, through the guarantee of work Accidents (JKK), death (JKM) Guarantee, guarantee old age (AGE), and so on.

In addition to all these services, unfortunately not many people know that the BPJS Employment also have additional services. The service is intended help society aka the participants in terms of housing.

This service is in fact already existed since long, but underutilized apartemen di solo  by the BPJS-TK participants. For it, for those of you who plan to buy a home in the next year and is still constrained by the affair cost, now is the time You use the facilities of these housing grants with a maximum.

Before knowing what services proffered BPJS-TK, it’s good community understand the first five terms specified.

House prices at Rp500 Million maximum hounded (non-subsidized)
To be able to propose construction loans, MORTGAGE, cash advance loans or housing, workers must be registered to become an active participant BPJS Employment of at least one year.
Credit filing made at the Office of the branch Bank BTN by bringing the required administration requirements. The terms of the Administration is the same as the filing of MORTGAGES in General.
Home raised its credit is the home of the first participant. When the couple husband and wife are participants of the BPJS employment, then only one party can file a MORTGAGE.
The entire process of filing MORTGAGE refers to the terms and conditions imposed bank BTN and the governing authority of the banking business.
To help the housing of the BPJS-TK, there are at least four types of services offered. Cash advance Loans include housing (PUMP), Mortgages (MORTGAGES), construction loans (KK), and Renovation of Housing Loans (PRP).

1. Cash advance loan housing (PUMP)

Cash advance loans are given on a number of people who have trouble buying a house in Mortgages (MORTGAGES). The reason for not having appropriate down payment requirements for purchasing a home.

Cash advance assistance given to communities that have earnings below the Rp4 million, or under the UMP. In other words, this service is reserved for people on low incomes (MBR).

2. Mortgages (MORTGAGES)

For help with MORTGAGES, BPJS Employment divide it into 2 types; i.e. the subsidy and non-subsidy.

MORTGAGE subsidy given to the home is priced in accordance with the Government. MORTGAGE financing with a maximum cash advance loans (PUM) to 99%, and the interest in accordance with the current Government in the 5%.

While for non-subsidized MORTGAGES granted for home with a maximum price at Rp500 million. Maximum MORTGAGE financing schemes PUM up to 90% and the interest rates of the bank margin rate BI amounted to 3%.

3. Construction loans (KK)

Service construction loans awarded for overall Employment BPJS participants. Yet only devoted to the construction of the tread with the interest rates of the bank margin rate of BI.

4. Renovation of Housing Loans (PRP)

BPJS Employment will give a loan of a maximum of Rp50 Million with a tenor of 10 years for PRP service. To get this service, or 3 the previous service, there are procedures that have to be met. Starting from the process of filing, until approval of the petition.

Local Government of Bali Prioritize Development to the West and North

Basically a chance to become a prima donna for the development of business property if it has at least two advantages. The first condition is indeed quite geographically advantageous, and secondly of course network infrastructure adequate enough.

Such is the condition in the future, will make the region of Western perumahan solo baru  and Northern Bali grew into a favourite location for business development property in Bali.

Read also: international schools Attract property investors Bali

West Bali for example. As expressed by Kade Ray Setiawan, Owner of Bali Property, its still a lot so it’s still cheaper when compared with 7 other districts in Bali.

Current price range land in West Bali around Rp200 thousand up to Rp1 million/m2. While its strategic location in the future will be the best traffic line linking Java and Bali. As the main lines and the main access roads.

While the position of North Bali which is adjacent to seas eventually did make this location most appropriate to develop water-based tourism business or marine.

Current price range land in North Bali still ranges from 2.5 up to Rp1 million/m2. Besides will be developed North ring road with a route that passes through Kuta – Gilimanuk – Singaraja, this location will also be developed as the international airport in Bali.

Interestingly, the price of land in Bali can take 2 x in 1 year with the increase from 100 to 200 thousand. And the price of the most expensive land in Bali, Seminyak, Badung, namely Kuta and Legian.

As articulated by Putu Subada Kusuma, from the ERA of the KING, the Government’s policy related Areas of Bali opening permit seluasnya to the development of the hotel, then the choice of Western or North Bali could be the best alternative given around the area not many hotels standing.

While regarding the existence of a property agent that operates illegally in Bali, Bali, AREBI DPD as a party who was appointed by the Ministry of trade will try to continue to supervise the acts of their horns regularly so that it could report it to the relevant agencies.

Indeed, the only information the Subada Putu also served as Chairman of DPD Bali, it’s good not only from their home institution that conducts surveillance, but also from other agencies such as the Ministry of labour, immigration, Tourism and, given the existence of those associated with the institution.

The Benefits Of This Investment Apartments Kos

If your money has not been sufficient to build a large rented or kos, kos apartments could be an option.

Apartments kos was built by the developers of apartments near the campus and facilities which have more emphasis on the needs of the student.

Some of the apartments in the area of UI Depok and Jatinangor Sumedang many of kos apartments and you can have the units. The following are the benefits of investing in this apartment.

Strategic location

Location of apartment tends to be not far from the campus so that students can reach the beaches by simply walking or using a vehicle in a short time.

You also can directly market their apartments while holding an open house or campus accepts new student registration.

A fairly complete facilities

Yummy this apartment, you no longer have to hire employees as a security guard and hygiene. Apartment parties usually already have employees who will undertake operational activities such as maintenance, cleanliness and security.

You simply pay a monthly fee — this monthly fee you can will be loaded to the tenants of kos.

Marketing assistance

There are some developers who will not let it empty apartments. So even though you don’t get a link or still hard to market your apartment, the developers will help you find a tenant.

Can be rented on a monthly basis and annual

The length of the duration the tenant depends on your agreement and if he was from the beginning you allow tenants in rented for a year, you should make arrangements so that there is no harm in the form of damaged goods, other than that ask for a deposit and specify the date of the monthly payments.

While if a tenant signed for monthly, ask him to inform 1-2 months in advance if they are going out, so you could be looking for new tenants.