Cara Agar Kredit KPR di Setujui oleh Bank bagi pengusaha/wiraswasta

Di zaman sekarang property merupakan instrument yang sangat pokok, property merupakan sarana bagi setiap orang, sehingga kebutuhan property di Indonesia sangat tinggi, sehingga tanah, bangunan semakin lama semakin sempit, ini yang menyebabkan harga property tiap tahun semakin naik, disisi lain kebutuhan pencari property makin banyak.

Karena semakin banyaknya kebutuhan akan property, maka kita di beri kemudahan adanya layanan pinjaman dari bank untuk membantu kita dalam pembiayaaan pembelian rumah, nah untuk temen –temen yang disini akan mengajukan kredit pasti akan banyak kendala-kendala yang akan dihadapi dalam pengajuaan kredit di bank.

Langkah-langkah yang dipersiapkan untuk pengajuan kredit

·         Sebelum anda mengajukan kredit KPR di bank teman-teman harus melengkapi surat/adminitrasi yang di butuhkan bank

1.       KTP si pengaju kredit

2.       KK (kartu keluarga)

3.       Apabila anda telah menikah ( surat nikah di sertakan)

4.       NPWP pribadi (apabila ada) karena sebagai pelengkap untuk pengajuan

5.       Rekap pendapatan anda dalam kurun waktu setahun ( laporan rugi laba)

6.       Lampirkan rekening Koran/print tabungan anda tiga bulan terakhir

·         Setelah dokumen lengkap segeralah bawa ke bank yang berkerja sama dengan developer

1.       Ada beberapa catatan apabila anda akan mengambil rumah, apabila anda ingin KPR 15 tahun dengan bunga tetap anda ambil saja bank syariah, karena bank syariah fixed 15 tahun dengan bunga rata 9-10%, keuntungan anda mengambil syariah anda akan membayar bunga tetap selama 15 tahun tanpa ada kenaikan margin, disisi lain bank syariah ada sebagian kelemahannya yaitu pada pelunasan sebelum jatuh tempo kredit rumah, yaitu apabila anda membayar  lunas rumah anda sebelum 15 tahun anda akan terkena pinalti dari bak tersebut, jadi anda disarankan untuk mengambil full selama 15 tahun berjalan.

2.       Dan apabila anda menginginkan untuk mengambil fixed 2th setelah itu BI rate, saya sarankan teman-teman mengambil dari bank konvensional, ini akan memudahkan teman2 apabila sudah mempuyai rejeki maka rumah bisa di bayar tanpa terkena penalty

3.       Setelah berkas masuk bank akan segera mengecek tempat usaha anda, saran buat teman2 apabila tempat anda di survey, buat empat usaha anda sebagus mungkin,baik dari kinerja kariawan anda, dan apabila anda di industri manufatur berikan kesan bahwa usaha anda sangat memberikan produksi yang besar, dan apabila anda bergerak di jasa, buatlah kesan bahwa usaha anda ramai pengunjung/ramai orderan, langkah ini sangat penting karena pihak perbankan akan mengkalkulasi usaha anda apakah anda layak untuk pengajuan kredit atau tidak.

4.       Setelah selesai di suvey, disini bank akan memangil anda untuk wawancara, di dalam wawancara, anda sebisa mungkin meyakinkan pihak bank agar pengajuan kredit anda di terima, untuk meyakinkan anda pasti di Tanya perihal usaha anda,,beritahukan bahwa usaha anda akan dengan mudah mengcover utang anda, dan beritahukan usaha anda sudah berjalan lebih dari 4 tahun dan sampai saat ini usaha na semakin meningkat baik dari produksi maupun income.

5.       Setelah wawancara kemudian analisa kredit akan menilainya, dan waktu ini yang sangat membuat deg degkan bagi setiap pengajuan kredit,,……

6.       Setelah ini bank akan menelpon anda..baik di setujui maupun tidak di setujui, dan apabila anda tidak di setujui maka anda jangan menyerah, biasa na di situ ada alas an tertentu missal BI cheking, apabila anda terkena BI cheking segeralah cek bank mana yang anda pernah bermasalah, lalu selesaikan dulu masalah na dimana, setelah tahu maka apabila anda mempuyai tungakan utang di bank tersebut segeralah lunasi dan minta surat ke BI bahwa anda telah lunas dari hutang. Segeralah anda mencari bank lain dan emlakukan pengajuan lagi…..dan yakinkan bahwa anda kan di setujui……..:D

7.       Setelah anda disetujui , datanglah ke bank dan anda melakukan yang namanya Akad Kredit, nah di titik ini anda sudah dapat berhasil untuk proses pengajuan rumah, saran saya ketiak kredit rumah berjalan jangan sampai nungak ya,,apalagi terlambat terus,heheeeeeee, kalau terlambat kan ga bias mabil rumah lagi,,nahhhh kalau lancer anda bias singkat terusssss property dan anda akan menjadipeternak property yang handal………………selamat mencoba teman-teman semoga bermanfaat……..

Inflansi Inggris Meningkat. GBP/USD Incar Area 1.5410

 Home Learn Forex Broker Analysis News Article Tools Gold Community Survey Data on Apr 12, 2010 1: 55 pm View: 235 Inflansi United Kingdom increased. GBP/USD Seek Area 1.5410.  UK inflation is expected to rise this year. And this dilemma on Bank of England officials whether they will boost stimulus or not.  The average increase in consumer prices is expected to be at the level of 2.8 percent this year, compared with 2.7 percent in March, according to the median estimate of 35 economists in a Bloomberg monthly survey released yesterday. Economic growth is expected to average will grow by 0.8 percent in 2013, compared with the previous estimate of 1 percent.

 Monetery Policy Committee members differ with the Governor pandanga Mernyn King about whether or not need to increase purchases of bonds associated with economic growth.  On the other hand, officials continued to hold its target this month, and the minutes demonstrate how sound their election results will be released on April 17, later.

 Rob Wood, an economist at Berenberg Bank in London and a former Bank of England officials said that Growth stagnated and weakened is a picture we face while, and inflation still above target '.  He added that; That is the main thing holding a further stimulus. Growth will not be enough to force every Member of the MPC to revamp its policies this month.

Italy Adopted The Euro

The Euro touched its highest level since February following a bond auction a success, despite Italy's economic prospects report the currency bloc were still gloomy. Italy sold 4 billion euros of bonds 3 year tenor with the yield at 2.29, down from the previous auction's 2.48. Investors bid reached 1.40 times the amount of bonds offered, up from last month's 1.28 times. Italy also sell bonds tenor of 5 and 15 years. Overall, Italy raised 7.17 billion euros, close to the target of 7.5 billion euros. This sale was helped by transpiration bonds (redemption) on 15 April.
He is also Italy bonds reflecting expectations that Japan will stimulus directed to foreign assets with a more attractive yield. Japan liquidity injection programme, which would increase the money supply, is expected to digunakana to buy bonds and push the carry trade. Emerging market bonds on expectations the European countries can be part of the portfolio. The Euro remained strong despite appearing pessimistic reports about the economic prospects of the currency bloc. The IMF cut its projections of the economy of the eurozone and the world. The IMF projected the GDP the euro zone's contraction of 0.2 this year, citing political uncertainty in Italy, which is the third largest economy in Europe. Other news mentions, 60 economists surveyed by Reuters was increasingly pessimistic with eurozone economic prospects. In the same survey,
The Euro traded at $ 1,3120, with a touch high at $ 1,3137 a night, the highest since February 28. With the rebound, the euro continued to gain on a rotational basis and when today closed strengthened then the reinforcement of two weekends in a row, continuing a phase of price adjustment. But the need to look out for its movement toward the euro zone industrial production data are estimated. In the weekly chart, the euro broke through the fall of 27 January 38,2 retracement-March 31 at $ 1,3103. To be able to reach 50 in $ 1,3122, the euro should be closed at $ 1,3184. Against the yen, the euro was at 130,46 after touching a record high at 131,10.
Meanwhile, the dollar still has not been able to reach level 100 yen, continues to be held during the last three sessions. Since the BOJ announced new stimulus, dollar rally had 6 top yen, but the Group has continued in the range of 99. The Dollar is now in 99,50 yen, after yesterday touching 99,93. Needed a new reason to bring the dollar to a psychological level 100, and retail sales data and the US consumer sentiment later tonight probably could affect its movement.

Predict movements in the price of gold 2013 | stock market

Predict movements in the price of gold 2013 | stock market

The U.S. budget Rp 35,000 T in 2014

U.S. President Barack Obama proposed state budget plan in 2014 worth U.S. $ 1.35 trillion or Rp 35.000 trillion. Of this amount, U.S. $ 526.6 billion or around Rp 5,000 trillion for military and defense budgets.

Budget for defense was not up and down compared to this year. Although today the U.S. still at war in Afghanistan. There was an increase in this budget to make the purchase of weapons to be reduced.

Quoted from AFP on Thursday (04/11/2013), the budget for the war in Afghanistan this year to reach U.S. $ 80 billion, or around Rp 760 trillion.

The Pentagon has asked the Obama administration that there is a new war planes and ships next year. Likewise for rocket and missile control required to be added, as well as tools and other combat weapons.

This fighter procurement plan including 29 F-35 aircraft, 18 cargo aircraft C-130 Hercules, and two units of the Global Hawk. In the fight against Al-Qaeda militants, Obama prefers dogfight in Pakistan and Yemen. Pentagon requested that the military budget could support 64 air force squadrons.

However, the government decided to cut its military needs, as there was no increase in the defense budget.

U.S. budget next year will be expected to run a deficit of U.S. $ 744 billion or Rp 7,000 trillion, or 4.4% of U.S. GDP in the years ahead.

The U.S. government is targeting unemployment in 2014 fell to 7.2% from 7.6% this year. Economic growth is also targeted 3.2% in 2014

Predict movements in the price of gold 2013

NEW YORK. Predict movements in the price of gold by Frank Lesh of FuturePath Trading LLC interesting to watch. According to Lesh, technically, prices will continue to sag bright yellow to a level of U.S. $ 1,100 in 2014.
Lesh said, Fibonacci ratios indicative, which reached 76.4% decrease compared to the record level of U.S. $ 1,923.70 in September 2011 and will increase the price of gold will drop to U.S. $ 430.
"If the price of gold fell below the critical level of price U.S. $ 1500, we will see a significant drop in the price of gold. Visible gold market is still weak. We have seen many gold funds, "said Lesh, director of the Chicago-based FuturePath.
For your information, in February 2013, the price of gold declined for the fifth month. This is the longest period of decline since January 1997.
Throughout the year, the decline in the price of gold has reached 6.2%. In fact, over the past 12 years, the price of gold has managed to record a six-fold increase.
According Goldmand Sachs Group Inc., the world's gold price movement cycle is likely to change as the economic recovery in the United States and a decline in investment gold holdings by investors.

The value of shares the highest in the world Manchester United

Manchester United became the first professional sports club in the world that is worth more than 3 billion U.S. dollars, the source of Forbes magazine
Stock price increases after the club's history through a stuttering start time listed on the New York Stock Exchange (NYSE) last year has significantly increased the value of Manchester United at 3.3 billion dollars, this is an evolution of the share price is very high in football club.
This increase makes the Premier League champions 19 times above the head of the sports club higher in the value of world rugby club is a member of the Cowboys Dallas National Football League (NFL), which has a value of 2.1 billion U.S. dollars.

Forbes magazine says shares price increases gave United the bright earnings prospects and demands the shares of United will continue to increase with the increase in revenue from the Premier League and the Champions League.

United, who claimed to have 659 million fans around the world that is owned by the Glazer family in America increasingly MU kepimilikannya dig through listing on the NYSE.

ref : Forbes

Anticipation of Fed speeches agent, euro tends consolidation

Anticipation of Fed speeches agent, euro tends consolidationJakarta - The exchange rate of rupee against the U.S. dollar interbank spot forex Jakarta, Monday (03.08) provides for the consolidation tends to increase. The market is expecting a speech from the Fed, Ben Bernanke, governor. Potential consolidation rupee earlier this week that the feeling variatifnya. However, the rupee tended to strengthen as it provides for the declaration of Fed.Selain officials, non-farm payroll data weekend will certainly be a point. Therefore likely to consolidate dollars with a trend towards the order of 9730 to 9770 per U.S. dollar. Focus on nonfarm payrolls, primarily as a reference sense, dynamic before a speech in which officials The Fed governor Ben Bernanke will give his views on the U.S. economy on Tuesday (04.09) and order day Federal Open Market Committee (FOMC), Thursday (11/4). Dollar seems to still be inclined consolidation.

Although data from the United States on Friday evening should weaken the performance of the U.S. dollar, but the market will come back under pressure from the negative investor sentiment that the euro area is expected to decline from -10.6 to -13.1 earlier this week.

However, the rupee can leg positive economic data from Asia which shows memabaiknya economic conditions in the region. In particular, data from the current account of Japan (curret account) has been predicted improved from ¥ -364.8 billion ¥ 466.3 billion. Only the Japanese yen weakened somewhat after the Japan's trade balance has improved.

Estimate of Rs strengthened to consolidate the trend. Therefore, the non-farm payroll data can be bad and must be confirmed still loose monetary policy of the Fed. The market is also anticipating Bernanke's speech dove on Tuesday morning local time, which was also predicted pacifist tone (promoneter bulk). For information, the exchange rate of the rupee against the U.S. dollar in the interbank market spot exchange Friday (04.05) closed unchanged at 9750-9755. [Gang]


News Source: financeroll.co.id

The United States and the IMF to discuss the situation in the EU

The United States and the IMF to discuss the situation in the EU
In America reported, U.S. Treasury Secretary Jacob Lew talks with the International Monetary Fund chief Christine Lagarde about the situation in Europe and the U.S. commitment to reform the IMF.
During a morning meeting at the Ministry of Finance, IMF Managing Director Lew and "discuss prospects for the global economy, including developments in Europe," the Treasury Department said in a statement.
The meeting took place after the IMF, the EU and the European Central Bank (ECB), Tuesday (2/4) approve the terms rescue (bailout) 10 billion ($ 12.8 billion) for Cyprus, which has been hit by financial difficulties.
Wednesday, Lagarde announced that the IMF will contribute approximately one billion euros to save Cyprus
Lew is expected to visit Europe in April 8 to 9 for talks with mintranya about the global economic situation and Europe.
According to the statement of the Ministry of Finance, and Lew Lagarde also discusses the U.S. commitment to the reform of IMF quota and governance, 2010, the Treasury Department continues to work with Congress to complete the quota legislation from as possible.
In December 2010, the Board approved the reform of the IMF global lender based in Washington was to give more voting power of developing countries and the contributions of members double quotas for financial resources.
The proposed reforms have taken place in the United States, which is by far the largest stakeholder with 16.7 percent of the voting rights of the IMF. The same report analisadaily
Sources: about forex

Tips & Advice on financial

Tips & Advice on financial
Easy Steps for Managing Family FinancesIn married life, managing family finances is one thing to do in a family. However, for most families, financial management is a complex and frustrating. Thus, the income received is still limited while demand is always infinite. To overcome this problem, here are some tips on managing the family finances are:• Make all your needs.The need here is of course vital for the long-term needs. As for the education of children, insurance until retirement.• Shop wisely.Shop only limited to your income. Carefully open the credit facility immediately pay the bills and mortgages, because it can burden you with expenses and higher costs.• Invest.Make financial planning the family setting aside a portion of your income to invest. Invest your money in stocks, mutual funds, property, deposits, or a combination of them.• diligently to make the budget.Saving for retirement is about the principle of financial management of the family. The birth of the child, education costs, pension for their daily needs, everything must be included in the budget plan. It also includes the budget for the unexpected.• Provide financial understanding for the whole family.While many thought that the financial problems are a taboo subject, this thinking must be changed due to the financial management of the family is a shared responsibility. Always involve family members in the plan. Teach children the importance of savings. This will help them understand the financial management at an early age.Good financial management will not make you fall in poverty, but it helps you to live more comfortable and happy in their old age. As the saying goes, rafting, raft to swim to shore upstream, no pain before having fun then. Congratulations to plan your finances family!