The following is a requirement that you must have before making the mortgage application process: age, condition your age not more than 50 years when filing for a home loan, financial documents or paycheck, as the completeness of this requirement the bank will ask you also attach the salary slip original (not a photocopy), certificate worked at a company (you have to work a minimum of 2 years in the company), bank account records (your financial circumstances on record harua ino good for at least 3 months), if you are self-employed, you have to prepare evidence of your business financial transactions, bank account records (as described above), TIN (taxpayer identification number), License (If you trade business or other business license if your business other than the trade), TDP (the list of companies) If you are a professional things mentioned above plus the license practice your profession eg doctor, house and land documents, this document will be used as collateral by the bank during your loan process against the bank, the completeness of the document is a land certificate, certificate of IMB ( building permits for the house), the UN Marking (proof of payment of property tax, if you buy a house from the owner directly), IPPT (each region has a different name for the land use permit is approved by the local government, if you buy a home to housing developers) proportion of loans: the bank will accept your loan application to the calculation of the terms of your mortgage each month by one-third (33%) is calculated from your financial income each month, if your salary requirement is not sufficient, it can be added to the salary of my husband / wife, the calculation of 33% it is included with your loan repayment burden on the other banks, if all of these conditions you already havne do not hesitate anymore to decide using a mortgage to have a dwelling be assured your application will be approved by the bank. STUCCO WALLS The quality of the wall need to be considered because it affects the aesthetic appearance of your home, the controlling way is to take a thread and put on both ends of the wall horizontally, then expand it and see if the yarn flat on the wall, to control the vertical way is by linking a nail at the end of the thread that is not associated with spikes on the top of the wall, as we see whether the horizontal control of parallel threads flush with the wall ROOF COVERINGS : Usually leak will be detected when it was raining but we can anticipate by controlling before it rains, note neatness installation, if there is a part that is less aligned with the top and bottom it will cause a leak, the second way is when the daytime weather is scorching , note the slit penetrated by sunlight, the more and the gap width would look more and more leaks occur FLOOR : Any flooring you use in principle should be flat and not tilted in all its parts, controlling the way first by stretching a piece of string on both ends of the room and see is there any part of the floor of the curve up or down, the second way is by spraying water throughout the floor and wait a moment later, noticed a puddle of water, if gathered in one place then the place is inclined concave floor WOOD : The main point for controlling all types of wood are straightness and integrity of the wood, for wood straightness controllingnya way is by putting it on the floor completely flat, note the length of the fourth side is parallel to the floor or curved, the integrity of the wood can be seen directly by observing the number of knots that would make the wood hollow and not flat on the finishing process, but it is the case is broken in the timber will reduce the load bearing strength of wood
Posted on: Mon, 08 Sep 2014 06:30:26 +0000
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