KOMPAS.com -along with the trend of decrease in the reference interest rate (BI Rate) which is currently touching the 5.75 percent, many banks think hard to menyiasatinya. Mortgages (MORTGAGE) with a fixed rate (fixed) to be one of the options.
Not only that. Bank of KPR even dare giver offers MORTGAGES with an interest of less than 10 percent or one digit. That is, the magnitude of the mortgage borrowers no longer affected the fluctuations of interest rates prevailing in the market. Want to go up, down, her prompt repayment led anyway.
Of course, this effort to hook the customer as much as possible. Quite a number of banks offering mortgage rates and KPA one digit. There are private banks and Government banks, BCA, BNI, Bank Mandiri, BRI BTN, CIMB Niaga, OCBC NISP, BII.
However, the low interest rates on MORTGAGE deals/KPA is restricted for several months or on certain events. Similarly, the time period, the average is limited to one to two years. There is also a brave up to 3 years.
Indeed, the provision of low interest rates under 10 percent is quite seductive, especially people who are currently or in the near future would like to buy a house or apartment by utilizing facilities KPR. In addition to the installment, the debtor also gets the certainty of repayment over a period of time.
The amount of the installment will be paid the customer always remains. Not affected by the increase and decrease of the interest rates on the market.
However, the Executive Director of the Indonesia Property Watch Ali Tranghanda reminded that prospective borrowers KPA not only tempted by low interest rates. What is the reason?
"The Potential debtor should know that low interest rates offered by banks is currently the promo interest and are short term, usually 1-3 years," said Ali.
After the promotion period runs out, the bank will charge a floating interest rate which varies according to the prevailing market rate. The debtor will be faced with the rise in interest rates might not have unimaginable before. The debtor or the customer often does not realize this since the beginning.
Well, so as not to get stuck with low interest rates, consumers need to be closely and carefully chosen home prices want to purchase. Usually, when mortgage rates are low, the price of the House tends to rise. So, you as a prospective MORTGAGE applicants need to very carefully calculate house price offered developers. Control of buying a home there is in your hands as a buyer, so cermatlah to select. (Hotmian Saber)
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