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The property industry in Indonesia is predicted to be one of the most stable investments since 2021. The property industry is one of the leading sectors that drives the Indonesian economy with the realisation of property industry investment which is able to rank 4th largest through the property sector's contribution to Indonesia's GDP of 14-16% annually.
Therefore, owning property in Indonesia for both personal and commercial use is one of the best investment markets. However, investing also requires a lot of caution in considering the potential profits to be made from the property you own.
The same applies to the property financing sector in Indonesia.
KPR loan: a popular property financing scheme in Indonesia
In addition to hard cash to cash purchases, one of the most common financial services that the public is interested in is KPR or Kredit Pemilikan Rumah.
In mortgages, financing simulations, payment simulations, mortgage interest rates are one of the most important factors that determine whether or not the ideal credit mortgage scheme is chosen by the customer.
A further discussion of these factors follows.
The importance of using a mortgage consultant in determining the instalment interest rate
The interest rate is the fee you pay when borrowing money from a bank or other financial institution. This fee is calculated as a percentage of the loan amount you take out.
Interest rates can fluctuate from time to time, and these changes can affect the cost of repaying a mortgage for a borrower. When interest rates are low, customers can obtain funds at a lower cost, making mortgages more affordable. However, when interest rates are high, the cost of repaying the mortgage will increase.
Therefore, choosing the right interest rate is important so that customers can pay off the mortgage at a reasonable cost.
However, choosing the right interest rate is not always easy, especially for those who are unfamiliar with financial matters.
A trusted mortgage consultant like Lets Move Group will help with alternative advisory services and loan recommendations, making it easier for you to find the best mortgage deal for your needs.
The consultant team will recommend mortgage products and compare competitive interest rates, so that customers have more choices of mortgage schemes as desired.
Mortgage consultancy provides accurate loan and payment simulations
Before stepping into a long-term mortgage commitment, a mortgage simulation is an important tool to estimate future instalments and total payments. By understanding your financial capabilities, a mortgage simulation helps you plan a smooth repayment and avoid the risk of default.
An online mortgage consultant can be a practical solution to help you with your mortgage simulation. Save time and energy, you can get clear and reliable information about:
- Estimated monthly instalments
- Total interest payments
- Remaining loan principal
- Mortgage payment scheme
Lets Move Group provides Mortgage Calculator to help you calculate your estimated property mortgage loan scheme.
More than that, Lets Move Group also offers:
- Free consultation with experienced mortgage consultants via message, phone call, or visit to branch offices in Jakarta and Bali.
- Assistance in choosing the best mortgage product that suits your needs and financial capabilities.
- Assistance throughout the entire mortgage application process until disbursement.
Creating a mortgage simulation and consulting with a Lets Move Group mortgage consultant is the right first step to realising the dream of owning a home without the burden of burdensome instalments.
So, what are the advantages of using a mortgage consultant for property financing?
1. Save Time and Labour:
- A mortgage consultant can help you compare mortgage offers from various banks quickly and easily.
- You don't have to waste time and energy visiting banks one by one.
- A mortgage consultant will help you find the mortgage that best suits your needs and financial capabilities.
2. Get Accurate and Complete Information:
- Mortgage consultants have extensive knowledge of mortgage products and interest rates from various banks.
- They can provide accurate and complete information about the mortgage you are interested in.
- A mortgage consultant can also help you understand the various terms and conditions in a mortgage.
3. Getting the Best Deals:
- Mortgage consultants have access to various banks and can negotiate the best interest rate and mortgage repayment scheme for you.
- With the help of a mortgage consultant, you can avoid potential fraud and get a safe and reliable mortgage.
4. Get Post-Sale Service:
- Mortgage consultants not only help you with the mortgage application process, but also provide post-sale services.
- They can assist you in making mortgage payments, taking care of administration, and resolving any problems that may occur.
Finding the best mortgage can be confusing with so many banks and products on offer. This is where Lets Move Group comes to your rescue!
As a leading mortgage consultant in Indonesia, We provide an easy comparison of various mortgage products from various banks.
Lets Move Group best mortgage products include:
With Lets Move Group, you can compare interest rates, instalment amounts, and fees from several banks that best suit your financial situation before applying for a mortgage.
Our professional team is also ready to help you choose the best mortgage that suits your needs and abilities.
Lets Move Group helps you find the best mortgage in an easy, fast and reliable way.
Contact us now and get the best real estate and property financing deals in Indonesia!
