Understand the meaning of subsidized housing
="font-weight: 400;">It is everyone's hope to have your own home. However, it is undeniable that soaring real estate prices make it difficult to realize the dream of private housing every day. For those with limited funding, public housing can be a solution to the increasingly unstoppable real estate price problem.
As the name implies, subsidized homes are government-funded homes that are more affordable. This subsidy from the government is provided in the form of a down payment for interest on home ownership credits (KPR).
At a low price, maybe you will soon be interested in having a subsidized type of home. But don't hurry. There are a few things you need to understand about subsidized housing first. what are they? Check out the Kania reviews below!
Determining public housing prices
As long as the price does not exceed the price set by the government, it can be said that the subsidy is paid. Finally, to be precise, in 2020, the price of public housing was split into five based on area. For Java, the highest price for public housing is IDR 150.5 million. However, it remains established in Jabodetabek.
On the other hand, in the case of Kalimantan Island, it is Rp164.5 million. Public housing in the third region, Sulawesi, costs up to IDR 156.5 million. Second, for Marc, Bali, NTB, and Jabo de Tabek, the largest government-set public housing price is IDR 168 million. Finally, for Papua, the largest subsidized home price is IDR 219 million.
Public housing size restrictions
In addition to the price, the determination of the subsidized housing category is also determined by the area of the building. Especially in the case of landing housing classified as public housing, the land area must be 60m or more.2 And up to only 200 meters2.. On the other hand, the floor area is set to a minimum of 21m.2 And up to 36 meters2.. Well, in the case of an apartment Floor area is 21m or more2 And up to 36 meters2, Equal to the floor area of the tread house.
Maximum salary for future subsidized home buyers
Are you planning to buy public housing? First, you need to check your current salary. The reason is that not everyone can buy a subsidized home. Only people with salaries of less than Rp8 million can apply for KPR for government-controlled public housing.
Low head
If you want to buy a new home with credit, whether it's public housing or not, you need to prepare a down payment. For subsidized homes, the down payment is 1% of the home sale. However, this does not include government subsidies. Finally, in 2020, the government provided a grant of IDR 4 million to 175,000 grant housing units.
Fixed interest rate
One of the reasons many people are paying attention to public housing is the fixed interest rates that apply to these mortgages. Up to 20 years of credit, there is no increase in interest, so you don't have to think about increasing your credit payments. From the start of your public housing purchase to the end of your mortgage, the amount of installments you have to pay each month remains the same.
Repair costs
The cost of remodeling is an absolute thing to consider when deciding to buy a subsidized home. Due to the limited selling prices of subsidized homes, the quality of the home is classified as not very good and needs to be repaired in many ways to make it easier to live in. Please provide a renovation fee of at least about 30-50% of the price of the public housing you purchased. That way, you can use public housing with a sense of security, peace of mind, and a happy heart.
The low prices of public housing do not mean that you do not feel like you are living in a comfortable place. Create attractive interior designs with strong, contemporary furniture to make your subsidized home look more classy.For interior design issues and furniture purchases, you can count on it Decorma!!
Are you not eligible to buy public housing? Relax and through Dekoruma House you can also find your dream home at the best price, you know! There are many options for homes for sale from different development areas, such as Depot, Tangerang and homes for sale in South Jakarta. What are you waiting for Make your dream home a reality with Decorma!
Source : http://i0.wp.com/www.dekoruma.com/artikel/114644/serba-serbi-rumah-subsidi
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