6 Safe Ways to Buy an Apartment for Beginners

Currently, apartments are one of the alternative residential choices that are in great demand by the public because they have a strategic location, complete facilities, and modern design.

With its advantages, it is not uncommon for apartments to be the instrument of choice property investment tantalizing.

But there are times when buy an apartment for the first time, we need a tip to avoid losses.

Instead of being mistaken, here are six ways to safely buy an apartment that you can follow. Check out the full review below, yes.

How to Buy an Apartment for Beginners

Do a Survey

Do a Survey

Before buying an apartment, you should do a survey first by finding out the credibility and track record developer.

This is very important, especially for those of you who are buying vertical housing for the first time.

You can find the information through the Association of Residents of Flats throughout Indonesia (APRESSI).

In addition, to avoid rogue developers, you can check the company’s background and legality.

How to check it can be through the Developer Registration System (SIRENG), which is available on the website sireng.pu.go.idMinistry of PUPR.

In addition to the developer, make sure you conduct a direct survey to the location where the apartment was built.

Pay attention to road access and transportation, whether it facilitates daily mobility or not.

With a direct survey to the place, then you can find out whether the location of the apartment is close to public facilities or not.

When conducting a survey, you need to ask about the supporting facilities available in the apartment, such as a swimming pool, garden, gym area, mini market, and so on.

If needed, find out the features available in each unit, for example access card or private lift.

Check Apartment Building Permits and Legality

Check Apartment Building Permits and Legality

The next tip on how to buy an apartment, is to make sure the permits and legality of the apartment building are safe.

You can ask the developer if they have a certificate HGB, IMBand SIPPT from the local government.

You can also ask many other things about permits, by visiting the marketing office or contacting a property agent.

Determine the Apartment Payment System

Determine the Apartment Payment System

The apartment payment system is almost the same as other property payment schemes.

There are several purchase methods offered, namely cash (cash), gradual cash, Apartment Ownership Credit (KPA) and balloon payment credit.

We recommend that when you have determined the apartment you want to buy, also determine the payment system that is most suitable for you.

If you have enough money, you can immediately pay in cash. However, if only a down payment is available, you can apply for a KPA.

Using the Services of a Property Agent

Using the Services of a Property Agent

Property agent services are one of the tips on how to buy an apartment that you can apply.

For beginners, usually buying property is a difficult thing to do. There are times when we are confused about taking care of document files, locations, units, to price negotiations.

Therefore, to avoid losses due to ignorance, you should use the services of real estate agent professional.

Buy when Soft Launch

Tips for buying an apartment to get a cheap price, is to buy it when it’s soft launching or the pre-order process.

Usually by buying at that time, the developer will give a promo or discount on a large scale.

In addition to discounted prices, there are usually several other benefits offered to buyers, including low insurance interest, discounts down paymentetc.

Consider KPA Facilities

Consider KPA Facilities

The last tip when buying an apartment, is that you can take advantage of the Apartment Ownership Credit (KPA) facility from the bank.

The KPA system itself is given to customers who want to buy vertical housing in installments.

The system is almost similar to mortgage; make an application to the bank, pay a down payment, then pay off the credit with interest every month.

The requirements for applying for a KPA include:

  • Photocopy of ID card
  • Photocopy of Family Card and Marriage Certificate
  • Copy of TIN
  • Passport photo size 3×4 cm
  • Photocopy of the last SK / original work certificate
  • Photocopy of savings book for the last 3 months
  • Original salary slip.

Please note, to apply for a KPA there are several things to consider, for example:

  • Not included in the black list of Bank Indonesia
  • Have a good credit history
  • Make a down payment of 15% of the apartment price.

Those are a number of ways to buy an apartment that you can use as a reference.

Interested in buying an apartment for sale in South Jakarta? 99.co Indonesia has interesting recommendations, one of which is Southgate Apartment.

The other options that can be looked at include: Roseville Apartments, L Avenue Office Residence and Emerald Bintaro.

Hope it is useful!

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