Apakah KPR DP 0% Benar Benar Menguntungkan Anda?

Is a 0% down payment mortgage really beneficial, or is it actually costing you extra money? 🤔 In this video, we'll cover everything you need to know before you're tempted by a 0% down payment offer! Watch until the end to find out: ✅ Why 0% down payment offers are only valid for a limited time ✅ Why 0% down payments are often only for new homes (not secondhand homes) ✅ The hidden dangers of a 0% down payment mortgage if you default ✅ The difference between appraisal and transaction price and why it matters ⏱️ Summary Timestamps: 00:00 – 0% down payment but still paying the seller? 00:50 – 0% down payment mortgages are permitted, not mandatory 01:31 – Banking prudential principles (5Cs vs. 4Cs) 02:58 – Why not all banks have implemented the 0% down payment scheme yet 03:38 – 0% down payment is generally only for new (primary) homes 04:21 – Developer and bank collaboration: buyback guarantee 05:54 – Why second-hand homes rarely offer 0% down payment 06:44 – Appraisal value vs. transaction value 08:07 – The emerging perception that "0% down payment is a scam" 08:46 – Risk of default and the auction process 10:20 – Risk of a house being auctioned while still having debt 11:01 – Conclusion: Why 0% down payment is rare for second-hand homes Additional information: Starting March 1, 2021, the 0% down payment facility policy for home ownership loans (KPR) will come into effect. This is in line with Bank Indonesia's (BI) policy of relaxing loan-to-value (LTV) regulations for property purchases. With 0% down payments for mortgages, owning a home will become easier. Is now the right time to buy a home? #downpayment #mortgagewithoutdownpayment #financialwise #mortgage #homemortgage