How to Do Over Home Loans
How do I do over a home loan? Before discussing how to do it, DompetPintar will explain first what is the definition of credit over rumah.Cara Doing Over Home Loans.
The definition of home is move over credit loans previously made by first home buyers to a second buyer who intends to continue the committed buyers credit first.
So in other words, the first home buyer to sell the house that has been bought on credit to both parties. This second party then pays the agreed price to the replacement of the first, and went on home loan payments to the bank unfinished.
Thus, there are three parties involved in the process over this credit. That is the first first-time home purchase with a credit system, and the second buyer who will take over from the first loan, and the bank as a lender of the purchased home. Plus the party again that the notary that serves to keep records of the sale and purchase process over this credit.
To do this over a home loan that needs to be done:
Second party and the first party to the notary to express his intention to make buying and selling homes in over credit.
Then, attach supporting documents such as a photocopy of the credit agreement, the bank stamped photocopy of a certificate, a copy of the IMB, the UN photocopy, photocopy of proof of payment of installments, savings books are used to pay the installments, as well as ID cards, family cards, and a marriage certificate from the first party and second party .
You can ask the notary to complete the necessary requirements.
The first party to the second party then sells to make a statement that has occurred over the rights and obligations of the second party.
Then the notary will make a binding sale and purchase deed. Recording the deed as evidence that there is a transfer of rights to the land and the building of the first party to the second party.
Furthermore, the first party and second party came to the bank providing the mortgage and handed over documents of notary.
Bank which will then process the credit over this house.
There are two ways of doing the process over the actual home loan. Above way is through the notary. Being the second way is through the bank.
In this second way, the process is as follows:
- The first and second parties to come to the bank. Convey that will be done over the home loan process from the first party to the second party.
- The bank will then conduct an analysis of both the related ability to pay credit.
- If the bank approves the loan over the process, then the bank will make a new credit agreement on both sides, as well as the deed of sale and binding guarantee.
That means to make over home loans. Please try.
