You take your home ownership loan (KPR) worth 240 million with 20% down payment and installment 10 years and 10% interest then you simply pay down 48 million, administration costs, insurance and the first installment of 15 million with an installment of a nominal 2 , 5 million per month. Houses have been able to place and then you just move rupaih of 2.5 million per month interest rates for the first year. Assume your salary 7 million rupiah, because the bank will approve your credit with a value of around a third installment of income consumers.
Three months later, supposing there are financial institutions that offer loan, say 50 million rupiah to the insurance contract KPR you enough, and because you need to make buying household equipment, electronic and home renovation, andapun receive, because the going easy. Consequently installment you will be at 1.2 million rupiah for five years with an interest rate assumption of 5%. The number of installments per month, the burden now increased to 3.7 million rupiah.
Yes it is because you want to improve the living standard be sick with the first savings and pengencangan belt. Household needs, electricity, water, spp children, transportation and so stay left 3.3 million rupiah. Although the road can still be very mouth, so once ngutang times and paid next month.
Because of the economic situation flutuaktif and tend to worsen, then the second year, say bank interest increased from 10% to 14%, so you will membengkaik installment of a total of 4.3 million per month. At the same time the price needs food, goods and other services also increased, due to escalating fuel for example. With the remaining 2.7, the financial condition increasingly worsened if you can not be said skak mats. Didera various daily needs of the more expensive, hutangpun more often and you no longer mencicil installment loan and the house was consumptive. Bad debts eventually become your last choice.
What if a similar accident befall you sepereti thousand people, or one million people or twenty million people who have bad debts. Banking will be international interest rates because the central bank international interest rates. Central Bank interest rates to international companies, institutions, agencies still put utangnya letter. Bank interest rates to international customers do not take deposits and savings.
Maybe that happens in the United States, where many residents tempted with a variety of credit derivatives products that require easily without thinking the impact of the next. Of critanya not as simple as that because consumers can immediately sell the house (the house much) or to return to the banks / brokers, or any other regulations that meminimkan risk consumers, for example. However, when bidding home to school and people do not need to be home again, the credit permanent alienation. Manipulation and greed of brokers or financial institutions as well as the original action fate of the many people who eventually became one of the causes and drag the coming financial crisis.
Currently, Indonesia has started to fell the impact which affected the interest KPR gradually increased from the original 9 - 10% to be 14 to 15%. No rain and wind, but the American consumer income tergerus by the difference between interest rate increase yesterday. The larger installment KPR and the increase.
What can consist in this condition? Do you want to sell the house and back into the contractor who contracted the house. Hm option to sell the house seemed too extreme pity the family, eventually you have to tighten my belt or sell assets. You would be sick with the first. However, what if interest rates continue to soar into the bank 17%, 20% or higher. Is whether income you hold the high installments. Hopefully the national economy fundamentally strong enough, hopefully
Three months later, supposing there are financial institutions that offer loan, say 50 million rupiah to the insurance contract KPR you enough, and because you need to make buying household equipment, electronic and home renovation, andapun receive, because the going easy. Consequently installment you will be at 1.2 million rupiah for five years with an interest rate assumption of 5%. The number of installments per month, the burden now increased to 3.7 million rupiah.
Yes it is because you want to improve the living standard be sick with the first savings and pengencangan belt. Household needs, electricity, water, spp children, transportation and so stay left 3.3 million rupiah. Although the road can still be very mouth, so once ngutang times and paid next month.
Because of the economic situation flutuaktif and tend to worsen, then the second year, say bank interest increased from 10% to 14%, so you will membengkaik installment of a total of 4.3 million per month. At the same time the price needs food, goods and other services also increased, due to escalating fuel for example. With the remaining 2.7, the financial condition increasingly worsened if you can not be said skak mats. Didera various daily needs of the more expensive, hutangpun more often and you no longer mencicil installment loan and the house was consumptive. Bad debts eventually become your last choice.
What if a similar accident befall you sepereti thousand people, or one million people or twenty million people who have bad debts. Banking will be international interest rates because the central bank international interest rates. Central Bank interest rates to international companies, institutions, agencies still put utangnya letter. Bank interest rates to international customers do not take deposits and savings.
Maybe that happens in the United States, where many residents tempted with a variety of credit derivatives products that require easily without thinking the impact of the next. Of critanya not as simple as that because consumers can immediately sell the house (the house much) or to return to the banks / brokers, or any other regulations that meminimkan risk consumers, for example. However, when bidding home to school and people do not need to be home again, the credit permanent alienation. Manipulation and greed of brokers or financial institutions as well as the original action fate of the many people who eventually became one of the causes and drag the coming financial crisis.
Currently, Indonesia has started to fell the impact which affected the interest KPR gradually increased from the original 9 - 10% to be 14 to 15%. No rain and wind, but the American consumer income tergerus by the difference between interest rate increase yesterday. The larger installment KPR and the increase.
What can consist in this condition? Do you want to sell the house and back into the contractor who contracted the house. Hm option to sell the house seemed too extreme pity the family, eventually you have to tighten my belt or sell assets. You would be sick with the first. However, what if interest rates continue to soar into the bank 17%, 20% or higher. Is whether income you hold the high installments. Hopefully the national economy fundamentally strong enough, hopefully
translation from source: http://yara74.blogspot.com/
