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.