Get to know SP3K in the process of buying and selling a home
Buying a home is fun because we live and live in a new atmosphere. But on the other hand, buying a dream home is also a challenge. In addition to having enough savings, there are also many terms you need to understand so that you do not take the wrong steps when making a home purchase. Well, sOne of the important terms you need to understand before buying a home is SP3K.
Have you heard the term before? For most people, SP3K still sounds alien. So what exactly is SP3K and its features in buying a home? Instead of intriguing, see the reviews from Kania below, let's go!
Definition of SP3K
You may be familiar with the terms interest, home DP, credit limits, mortgage fees, home purchase contracts or contracts. However, you should also be aware of the term SP3K, which stands for confirmation of credit offer.
If you want to buy a house with a mortgage payment Of course, you first need to submit some files to the bank. The bank then analyzes your data and finances, and also has an interview stage and self-validation studies such as home address, profession, and family references. The bank also goes through a valuation process and calculates the price of the property you are submitting.
After the process Once the application is complete, the bank decides whether to accept the credit application. If approved, the bank will issue SP3K within up to 14 business days, indicating that the credit application has been approved. Once you receive the SP3K, you can move on to the next step.
SP3K function
Not only do you need to understand, but you also need to know the features of SP3K. Therefore, it can be used properly when buying a new home or a home for sale with credit.
As the name implies, SP3K serves as proof that your credit application has been received by the relevant bank. After receiving the SP3K, you will usually be paid the KPR you are applying for so you can buy the house you want right away.
What is included in SP3K?
Character pOf course, the credit offer or confirmation of SP3K approval contains important information related to applying for a mortgage. From loan number, interest amount, term (term) to the number of installments you need to pay in a month.
SP3K also includes the amount of installments you need to pay first and other charges This is necessary in the home purchase process. In addition, SP3K has various terms and conditions that must be met in order to properly carry out the mortgage process.
Validity period of SP3K
After discussing the validity period of SP3K, we will return to the relevant banking regulations you submitted.Members of some banksSP3K is valid for 3 months, but some have only 1 month. The validity period of SP3K varies from bank to bank, so care must be taken not to misunderstand.
Knowing the lifetime of SP3K can also help you understand when it's best to prepare.This is because SP3K is a guarantee for anyone who wants to buy a home Developers can find out that you can get the house you proposed.
Other facts about SP3K
SP3K is not only a proof of credit approval, but can also be used as collateral if desired. Acquisition If you need to pay to redeem your home or SHM or freehold certificate. Of course, this should also be accompanied by a letter or other important document such as a family card, a copy of your ID card, an IMB letter, a copy of the SHM to redeem.
How did you understand SP3K after reading the above review? Kania hopes that understanding SP3K will help her buy a home smoothly. Congratulations on making your dream home a reality!
Don't forget to read the article with other useful information about Decorma!Apart from the article, you can also buy furniture and home decor online.. If you are looking for a new place to live, Decorma will also offer you that, you know!
You'll find a variety of properties in different development areas, including homes for sale in Depot, new homes in South Jakarta, and new apartments in Tangerang. What are you waiting for Make your dream home a reality with Decorma!
Source : http://i0.wp.com/www.dekoruma.com/artikel/112260/apa-itu-sp3k
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