Preparation for Costs Before Buying Houses

In addition to preparing a budget to buy a dream house, you need to know the other costs that must be prepared. These other costs related to licensing home interests.You can set the amount of this fee for the six purposes, such as for BPHTB (Bea Acquisition of Rights to Land and Building), the cost behind the name, the notary, fees, insurance and mortgage deed of gift.BPHTB - Refers to article 5 of Law No 21 of 1997, rates charged to the buyer BPHTB is 5 percent of taxable income Acquisition Value (NPOKP) after deducting the value of the acquisition of Object Not Taxable (NPOPTKP). NPOPTKP varies each region.Behind the name - the name behind the cost is the cost to change the ownership status of the seller to the buyer. If you buy a house from a developer, it usually costs under the name already taken care of by the developer. You simply set up the fund, which amount may vary in each region.Notary Public - It's good any transaction relating to land and buildings carried out in front of a notary or an official manufacturer's deed of land (PPAT). This is because it involves the aspects of legality. Generally, the notary will check the legality of the certificate and take care of the house. The cost is also different in each city.Fees - If you buy a house with a mortgage, there are facility fees to be paid to the bank. This fee covers the administrative costs charged to the buyer. The amount of each bank is different, ranging from 1 percent of total loans approved.Insurance - Every house you buy with a mortgage, get insurance coverage. It is important to avoid bad credit in the future. Insurance is generally offered only to protect the bank's assets are still in the process of payment (cicil). While the assets you already own (already repaid) tidakk changed if at any time loss. For that, you can add a policy to protect its assets.Deed of gift mortgage - deed was a buyer to guarantee repayment of bank debt. Costly depending on the nominal mortgage disbursed by the bank. The cost depends on the deed of each area