Understand Mortgage APHT
Are you planning to apply for a new home installment? There are many documents that need to be prepared to ensure a smooth mortgage application. One of them is that you need to prepare APHT, which is an important document for applying for a mortgage.
In this article, Kania shares information about APHT documents and the requirements that need to be prepared to simplify the processing process. Therefore, see the APHT description below for more information.
What is APHT?
APHT stands for Certificate of Mortgage Rights. APHT's role, on the other hand, is to provide collateral between creditors and debtors for mortgage applications and to regulate the conditions associated with the granting of mortgage rights between the parties.
APHT function
With APHT, creditors are confident in offering a loan because they are guaranteed to repay their debt. On the other hand, the mortgage loan in this document may cover land, land, or any other object that is part of it, such as a home, apartment, shophouse, road, temporary building, or plant. Therefore, if the land used as collateral has an object that the debtor does not own, the owner of the object must also sign the APHT creation.
Create an APHT for your property Developer
If the above explanation applies to private land, what if the mortgage land is still owned? Developer Because the land certificate hasn't changed its name? In this situation, you can create an APHT if you have the authority of a lawyer to provide you with mortgage rights (SKMHT) From Developer.
Validity period of APHT document
APHT is valid from the time the mortgage is granted and before the local PPAT. Therefore, mortgage providers need to be present at the PPAT office to facilitate the delivery process. However, if the mortgage provider is unable to attend, the agent can act as an agent by bringing the power of attorney, as the APHT document cannot be issued unless the agent brings the power of attorney.
APHT manufacturing cost
When you create an APHT, you will be charged different amounts depending on the amount of credit or the value of the transaction. However, in general, this fee is a convention of 0.25% of the 125% credit value and must be paid in full before the APHT document is published. Generally, this fee includes PPAT service fees, certificate verification fees, SK fees, certificate creation fees, BBN fees, and tax verification fees to help you arrange APHT documents.
Contents of APHT document
The APHT document has several things to say. Among them is information that includes the amount of credit granted, professional requirements, mortgage targeting, and the agreement between the two parties, the debtor and the creditor.
The KPR application process requires you to first sign a sales certificate to complete the sales transaction. The object you submit will then be used as collateral through the bank during the mortgage installment period. If the installment payment is bad, the collateral object is confiscated by the bank and used to repay the debtor's debt.
In addition to being used to apply for a mortgage, you can also use the APHT document to apply for a loan to a co-operative or bank. Therefore, please pay attention to the APHT documentation to ensure a smooth mortgage application process.
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Source : http://i0.wp.com/www.dekoruma.com/artikel/119334/mengenal-apht-dalam-kpr
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