Definitions, features, and how to create a mortgage Roya letter
Setting up a home is often an option for many Indonesians who want to have a dream home. budget Not enough for cash purchases. In addition, there are now a number of banks that offer competitive mortgages (KPRs), allowing borrowers to choose the time period according to their needs.
However, if you currently have KPR installments and the repayment time is near, there are other things you need to be aware of. That is, to write a letter from Roya. Now, in this article, Kania discusses everything about Roya's letters, how to make them, and their features in mortgages. For more information, see the following articles. let's go.
What is Roya's letter?
If you don't know, Roya's letter is an official document stating that the credit debt from the installments in your home is over. In addition, since the royal letter is not issued by the bank but by the BPN secretariat, it will not be issued automatically when the installment payment of the mortgage is completed, so it needs to be cleaned separately.
Legality of Roya letter
According to Law No. 4 of 1996 on mortgages of land and objects related to land, roya is amortization of the mortgage's land books because the mortgage has been removed.As stipulated in Article 18, Paragraph 1 of the Mortgage Law, this amortization is based on the cancellation of the debt guaranteed by the mortgage, the release of the mortgage by the mortgage holder, and the liquidation of the mortgage according to the ranking by the district. ..Abolition of land rights hampered by court and mortgage rights
Benefits of Roya Letter
Judging from the legality above, it is very important to write Roya's letter. This is because the certificate you have is of no value because it is wholly owned by the bank or creditor and is considered collateral for your debt. Therefore, you should also pay attention to creating a royal letter that will make the process itself easier and faster after you have repaid your mortgage.
Make Roya's letter via the office ATR / BPN
There are two ways to take care of Roya's letter.First, you can go to the office of the Ministry of Agricultural Space Planning or the National Land Agency (ATR / BPN) The closest place to carry documents such as:
- Roya letter application (Attachment 13).
- Original land certificate document.
- Original mortgage certificate document.
- One copy of KTP.
- Roya application from the bank issued at the time of mortgage repayment.
You can submit the above documents to the officers and put all the documents in the orange folder available in the ATR / BPN Cooperative. On the other hand, the management fee itself is 50,000 rupiah.
Make a royal letter online
If you don't want to go to the ATR / BPN office, you can also create a royal letter online. online. However, this process can only be performed by the Land Certificate Creation Official (PPAT) or financial services and cannot be performed independently.However, if you meet these requirements, please create a roya letter online You can do this by following the steps below.
- Access page Land services provided by the province ATR / BTN..
- Log in to the displayed column.
- [サービス]Select the menu and[Roya]Click Options.
- Then select the regional office, select the land office,[新しいファイルの作成]Click Options.
- You will then be presented with the complete information column, where you will enter your mortgage right number and year and security right code. next,[住宅ローンの権利を検索]Click and[アップロード]Please click on the.
- Then check your mortgage certificate and if the information is correct,[アップロード]Click the button to continue
- Then you'll see a menu with information about the types and correct numbers that Roya creates.[roya証明書の追加]Click and[roya証明書]Please select and upload. If the information is correct,[保存]You can click to continue.
- After that, you will need to upload documents such as Roya's and creditor's certificate, application form, and Roya's certificate number.
- Once the process is complete[続行]Click to display the deposit warrant.
- If you pay according to the invoice, your application for submission of the royal letter will be processed by ATR / BPN.
Of course, it plays a very important role, so you need to process Roya's letter as soon as possible after the mortgage installment is paid. Don't forget, OK!
In addition to the information above, read inspiration and other interesting information from Dekoruma's article! If you're still looking for a dream home that suits you, you can find one at Dekoruma House. There are many housing options from different parts of Jabo de Tabek, including homes for sale in South Jakarta, Depot, BSD and Bekasi. What are you waiting for Find your dream home in Decorma!
Source : http://i0.wp.com/www.dekoruma.com/artikel/120875/surat-roya-dalam-kredit-rumah
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