{"id":2674,"date":"2022-10-04T08:11:20","date_gmt":"2022-10-04T01:11:20","guid":{"rendered":"https:\/\/ringkas.co.id\/?p=2674"},"modified":"2024-12-22T08:07:39","modified_gmt":"2024-12-22T01:07:39","slug":"tanda-kamu-sudah-siap-mengajukan-kpr","status":"publish","type":"post","link":"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/tanda-kamu-sudah-siap-mengajukan-kpr\/","title":{"rendered":"Signs You're Ready to Apply for a Mortgage"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_66_1 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" >Daftar Isi<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/tanda-kamu-sudah-siap-mengajukan-kpr\/#Bebas_Hutang\" title=\"Debt-free\">Debt-free<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/tanda-kamu-sudah-siap-mengajukan-kpr\/#Skor_Kredit_Bagus_danatau_Tidak_Bermasalah\" title=\"Good Credit Score and\/or No Problem\">Good Credit Score and\/or No Problem<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/tanda-kamu-sudah-siap-mengajukan-kpr\/#Karir_Stabil\" title=\"Stable Career\">Stable Career<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/tanda-kamu-sudah-siap-mengajukan-kpr\/#Punya_Uang_Muka_Setidaknya_20\" title=\"Have at least 20% down payment\">Have at least 20% down payment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/tanda-kamu-sudah-siap-mengajukan-kpr\/#Punya_Tabungan_Darurat\" title=\"Have an Emergency Savings\">Have an Emergency Savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/tanda-kamu-sudah-siap-mengajukan-kpr\/#Berkomitmen_untuk_Menetap_Lama\" title=\"Commit to Staying Long\">Commit to Staying Long<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><\/p>\n\n\n\n<p style=\"font-size:14px\">A house is one of the most expensive assets today. Both in terms of price, which is enough to make you shake your head, and in terms of prestige. A person can be considered successful, if they already have their own house. The question \"do you have a house yet?\" has become as sensitive as the question \"when did you get married?\".<\/p>\n\n\n\n<p style=\"font-size:14px\">This stigma makes <a href=\"https:\/\/ringkas.co.id\/en\/13-tips-membeli-rumah-pertama-agar-kamu-tidak-salah-pilih\/\">home ownership<\/a> one of the top spots on almost everyone's <em>wishlist<\/em> some seem to force themselves to rush to apply for a mortgage. In fact, there are several important points that need to be considered before deciding to apply for a mortgage. For those of you who are almost determined to apply for a mortgage, it's better to pay attention to the following six points first.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bebas-hutang\"><span class=\"ez-toc-section\" id=\"Bebas_Hutang\"><\/span>Debt-free<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p style=\"font-size:14px\">Mortgage installments are usually 30% of your total salary. Being debt-free will make your monthly money not dry, because it has to be divided into many things. Moreover, you also still have to fulfill your main needs besides paying the mortgage installment. So, try to remember again, are there still debts that are still burdening you or not? Starting from car installments, debts with friends or relatives.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-skor-kredit-bagus-dan-atau-tidak-bermasalah\"><span class=\"ez-toc-section\" id=\"Skor_Kredit_Bagus_danatau_Tidak_Bermasalah\"><\/span>Good Credit Score and\/or No Problem<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p style=\"font-size:14px\">You must be very familiar with the term credit score. In essence, a credit score is an assessment given by creditors to debtors to see your eligibility as a prospective borrower. Usually, you will be declared a safe customer if your credit score is above 650. This credit score is very important if you want to apply for a loan. To be able to maintain or improve your credit score, it's actually quite easy. The principle is the same as maintaining your image in the neighborhood. Reduce or pay off your debts, don't apply for new debts if the previous debts have not been paid off, and the most basic thing is to fix your finances. <em>image<\/em>-mu di tongkrongan. Kurangi atau lunasi hutang, jangan mengajukan hutang baru kalau hutang sebelumnya belum lunas, dan yang paling dasar adalah benahi keuanganmu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-karir-stabil\"><span class=\"ez-toc-section\" id=\"Karir_Stabil\"><\/span>Stable Career<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p style=\"font-size:14px\">You must have heard this sentence many times before. A mortgage is a long-term commitment. You will have many years with your bestie. So, make sure that you have a stable career. You don't want to get stuck in the middle of the road because (God forbid) there's a career downturn. Make sure you're in a position and company where your growth is secure in the long run. <em>si bestie <\/em>ini. Jadi, pastikan bahwa kamu memiliki karir yang stabil. Jangan sampai kamu kesulitan di tengah jalan karena (amit-amit) ada penurunan karir. Pastikan kamu berada di posisi dan perusahaan yang perkembangannya aman dalam jangka waktu yang panjang.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-punya-uang-muka-setidaknya-20\"><span class=\"ez-toc-section\" id=\"Punya_Uang_Muka_Setidaknya_20\"><\/span>Have at least 20% down payment<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p style=\"font-size:14px\">Sudah banyak banget iklan perumahan yang menunjukkan jumlah uang muka yang harus ditebus sebelum bisa menghuninya. Biasanya, ada tanda bintang mungil yang lumayan jadi jebakan <a href=\"https:\/\/ringkas.co.id\/en\/blog\/finansial\/trik-keuangan-untuk-menabung-uang-dp-rumah-tanpa-harus-hidup-irit\/\">harga DP-nya.<\/a> Nah, kamu harus tahu secara detail soal uang muka ini. Setidaknya, kamu harus punya 20% dari total harga properti sebagai penebus rumah impianmu. Semakin banyak, tentunya akan semakin baik, biar cicilan per bulanmu tidak terlalu membebani.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-punya-tabungan-darurat\"><span class=\"ez-toc-section\" id=\"Punya_Tabungan_Darurat\"><\/span>Have an Emergency Savings<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p style=\"font-size:14px\">Lagi dan lagi, KPR adalah soal komitmen jangka panjang. Setiap bulannya, kamu harus punya dana bersih untuk membayarnya. Jadi, kamu harus punya <a href=\"https:\/\/ringkas.co.id\/en\/blog\/tips\/cara-kelola-keuangan-untuk-kpr-agar-tidak-gagal-bayar\/\">tabungan darurat<\/a> kalau (amit-amit lagi) terjadi satu dua hal yang tidak kamu inginkan, agar kamu tidak perlu mengganggu dana pembayaran KPR. Biasanya, tabungan dana darurat berjumlah enam bulan pengeluaran. Siapkan itu dulu, baru kamu bisa mengajukan KPR dengan lega.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-berkomitmen-untuk-menetap-lama\"><span class=\"ez-toc-section\" id=\"Berkomitmen_untuk_Menetap_Lama\"><\/span>Commit to Staying Long<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p style=\"font-size:14px\">Hidup memang dinamis. Perubahan kadang membuat kita merasa lebih \u201chidup\u201d. Tapi, kalau soal kepemilikan rumah, kamu harus punya komitmen kuat untuk menetap dalam jangka waktu yang lama. Ingat! Kamu bukan kura-kura yang bisa bawa rumahmu ke mana-mana! Jadi, sebelum akhirnya memutuskan <a href=\"https:\/\/ringkas.co.id\/en\/blog\/mitra\/b2b-kenapa-harus-kelola-pengajuan-kpr-lewat-ringkas\/\">mengajukan KPR<\/a>, kamu harus menetapkan tempat tinggal yang paling mendekati kata ideal menurutmu.\u00a0<\/p>\n\n\n\n<p style=\"font-size:14px\">How's that? As you read the points above, you're self-reflecting, right? Indeed, there are quite a lot of things that you need to prepare before starting your mortgage journey. But, it's all for your own convenience. If the six points above have been completed, welcome to your new adventure!<\/p>","protected":false},"excerpt":{"rendered":"<p>Rumah adalah salah satu aset termahal saat ini. Baik dari segi harga yang memang &#8230;.<\/p>","protected":false},"author":1,"featured_media":3667,"comment_status":"open","ping_status":"open","sticky":false,"template":"lev","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"14px\"}}} -->\n<p style=\"font-size:14px\">Rumah adalah salah satu aset termahal saat ini. Baik dari segi harga yang memang cukup membuat geleng-geleng kepala, maupun dari segi gengsi. Seseorang sudah bisa dianggap sukses, kalau sudah memiliki rumah sendiri. Pertanyaan \u201cudah punya rumah belum?\u201d, jadi sama sensitifnya dengan pertanyaan \u201ckapan nikah?\u201d.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:spacer {\"height\":\"15px\"} -->\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer -->\n\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"14px\"}}} -->\n<p style=\"font-size:14px\">Stigma ini membuat <a href=\"https:\/\/ringkas.co.id\/13-tips-membeli-rumah-pertama-agar-kamu-tidak-salah-pilih\/\">kepemilikan rumah<\/a> jadi salah satu pemuncak klasemen dalam <em>wishlist<\/em> hampir semua orang. Beberapa jadi lebih fokus dan giat untuk menabung, beberapa jadi terkesan memaksakan diri untuk buru-buru mengajukan KPR. Padahal, ada beberapa poin penting yang perlu diperhatikan sebelum memutuskan untuk mengajukan KPR. Buat kamu yang sudah hampir membulatkan tekad untuk mengajukan KPR, lebih baik perhatikan dahulu enam poin berikut ini.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:spacer {\"height\":\"30px\"} -->\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"h-bebas-hutang\"><strong>Bebas Hutang<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"14px\"}}} -->\n<p style=\"font-size:14px\">Cicilan KPR biasanya 30% dari total gajimu. Bebas dari hutang akan membuat uang bulananmu tidak kering, karena harus terbagi ke banyak hal. Apalagi, kamu juga masih harus memenuhi kebutuhan utamamu selain membayar cicilan KPR. Jadi, coba diingat-ingat lagi, masih ada hutang yang masih memberatkanmu atau tidak? Mulai dari cicilan mobil, hutang dengan teman atau kerabat.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:spacer {\"height\":\"20px\"} -->\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"h-skor-kredit-bagus-dan-atau-tidak-bermasalah\"><strong>Skor Kredit Bagus dan\/atau Tidak Bermasalah<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"14px\"}}} -->\n<p style=\"font-size:14px\">Kamu pasti sudah kenal banget dong dengan istilah skor kredit? Intinya, skor kredit adalah penilaian yang diberikan kreditur kepada debitur untuk melihat kelayakanmu sebagai calon peminjam. Biasanya, kamu akan dinyatakan sebagai nasabah yang aman, jika skor kreditmu di atas 650. Skor kredit ini sangat penting kalau kamu mau mengajukan pinjaman. Untuk bisa menjaga atau meningkatkan skor kreditmu, sebenarnya lumayan gampang-gampang susah. Prinsipnya sama seperti menjaga <em>image<\/em>-mu di tongkrongan. Kurangi atau lunasi hutang, jangan mengajukan hutang baru kalau hutang sebelumnya belum lunas, dan yang paling dasar adalah benahi keuanganmu.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:spacer {\"height\":\"20px\"} -->\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"h-karir-stabil\"><strong>Karir Stabil<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"14px\"}}} -->\n<p style=\"font-size:14px\">Kalimat setelah ini pasti sudah sering banget kamu dengar. KPR adalah komitmen jangka panjang. Akan banyak tahun yang kamu jalani bersama <em>si bestie <\/em>ini. Jadi, pastikan bahwa kamu memiliki karir yang stabil. Jangan sampai kamu kesulitan di tengah jalan karena (amit-amit) ada penurunan karir. Pastikan kamu berada di posisi dan perusahaan yang perkembangannya aman dalam jangka waktu yang panjang.&nbsp;<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:spacer {\"height\":\"20px\"} -->\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"h-punya-uang-muka-setidaknya-20\"><strong>Punya Uang Muka Setidaknya 20%<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"14px\"}}} -->\n<p style=\"font-size:14px\">Sudah banyak banget iklan perumahan yang menunjukkan jumlah uang muka yang harus ditebus sebelum bisa menghuninya. Biasanya, ada tanda bintang mungil yang lumayan jadi jebakan harga DP-nya. Nah, kamu harus tahu secara detail soal uang muka ini. Setidaknya, kamu harus punya 20% dari total harga properti sebagai penebus rumah impianmu. Semakin banyak, tentunya akan semakin baik, biar cicilan per bulanmu tidak terlalu membebani.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:spacer {\"height\":\"20px\"} -->\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"h-punya-tabungan-darurat\"><strong>Punya Tabungan Darurat<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"14px\"}}} -->\n<p style=\"font-size:14px\">Lagi dan lagi, KPR adalah soal komitmen jangka panjang. Setiap bulannya, kamu harus punya dana bersih untuk membayarnya. Jadi, kamu harus punya tabungan darurat kalau (amit-amit lagi) terjadi satu dua hal yang tidak kamu inginkan, agar kamu tidak perlu mengganggu dana pembayaran KPR. Biasanya, tabungan dana darurat berjumlah enam bulan pengeluaran. Siapkan itu dulu, baru kamu bisa mengajukan KPR dengan lega.&nbsp;<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:spacer {\"height\":\"20px\"} -->\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"h-berkomitmen-untuk-menetap-lama\"><strong>Berkomitmen untuk Menetap Lama<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"14px\"}}} -->\n<p style=\"font-size:14px\">Hidup memang dinamis. Perubahan kadang membuat kita merasa lebih \u201chidup\u201d. Tapi, kalau soal kepemilikan rumah, kamu harus punya komitmen kuat untuk menetap dalam jangka waktu yang lama. Ingat! Kamu bukan kura-kura yang bisa bawa rumahmu ke mana-mana! Jadi, sebelum akhirnya memutuskan mengajukan KPR, kamu harus menetapkan tempat tinggal yang paling mendekati kata ideal menurutmu.&nbsp;<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"14px\"}}} -->\n<p style=\"font-size:14px\">Gimana? Saat kamu membaca poin-poin di atas, sambil berefleksi diri, kan? Memang lumayan banyak hal-hal yang perlu kamu siapkan sebelum memulai perjalanan KPR-mu. Tapi, itu semua demi kenyamananmu sendiri. Jika keenam poin di atas sudah rampung, selamat datang di petualangan barumu!<\/p>\n<!-- \/wp:paragraph -->","_et_gb_content_width":"1080","inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[4],"tags":[6,8,9,11,13],"class_list":["post-2674","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kpr-101","tag-info-kpr","tag-kpr","tag-property","tag-tips-kpr","tag-tipsrumah"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tanda Kamu Sudah Siap Mengajukan KPR | Ringkas<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/tanda-kamu-sudah-siap-mengajukan-kpr\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tanda Kamu Sudah Siap Mengajukan KPR | Ringkas\" \/>\n<meta property=\"og:description\" content=\"Rumah adalah salah satu aset termahal saat ini. 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