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Find Out 4 Home Payment Systems Along With The Advantages

House is one of the primary human needs. Besides having a function as a place to live, the existence of a house is also the most comfortable and safe place, which is not only a means of shelter, but also a means of carrying out all kinds of activities. Starting from resting, doing hobbies, gathering with family, to work. so it's no wonder many people are trying hard to have a dream house. 

However, since landed houses are buildings built on land, there is less and less land left to be used as new landed houses. This land limitation ultimately affects the selling value of the landed house which is getting higher day by day due to its scarcity.

Many people then can’t afford to buy their own houses. This is of course not only related to the price of landed houses that continue to rise, but also the ability and time needed to save money which is not in line with the increase in the price of the landed house itself.

Seeing this condition, several developers, together with the government and financial institutions, have begun to develop what stimulus can be given to make it easier for prospective home buyers to be able to have their dream home without having to spend time saving. One of the incentives provided is through the payment method offered, namely the installment payment method.

Well, for those of you who are currently planning to buy a house, here are some ways to pay for a house that is offered in general, complete with each of the advantages.


Cash is a method of payment in cash, meaning that you pay directly at the time of the transaction or immediately according to a mutually agreed period of time. So, make sure you have provided sufficient funds that are in accordance with the value of the house you are buying.

However, before you pay off the house you buy, there are usually 2 initial stages of payment. First, the booking fee is a sign of completion, then pay a DP of 10% or according to the developer's provisions, then full payment in accordance with the agreed time.

In general, buying a house by paying cash is completed within a period of approximately 1 month. The advantage of this cash payment method is that the opportunity to get a big discount from the developer is very high. In addition, you also don't have to bother paying interest, because in general cash payments are not subject to interest, and you don't have to worry about long-term installments whose value fluctuates.

Cash Installment

Cash installment is a direct installment offer from the developer where the payment period and the amount of interest on this gradual cash payment method are fully determined by the developer.

In contrast to cash, in this gradual cash payment method, you do not need to pay off at once, but can do it several times in stages. Usually developers offer cash in stages for 12 times or the equivalent of 1 to 10 years.

Before you get a nominal fee that you have to pay in stages, usually you need to pay a booking fee first. The advantage of choosing how to pay for a house with the gradual cash payment method is similar to cash, namely that you have the opportunity to get attractive discounts from the developer. Although usually the discount obtained is not as big as cash payments. In addition, you also won't be bothered with fluctuating interest nominals, because in general, the type of gradual cash payment has a flat nominal until it is paid off.

Household Loan Credit

Household Loan Credit is one of the most popular payment methods in the community. A mortgage is a loan product from a bank to pay off the house you want to buy. This payment method can be an attractive solution for those of you who don't have enough money to buy a house.

To be able to apply this method of paying for a mortgage, you must apply for a loan to the bank and must meet the conditions determined by the bank you choose to get a loan.

After you get a loan, the bank will pay off the house you want to buy to the developer and in return, you can pay in installments to the bank of course with a certain amount of interest that has been agreed in advance. Generally, mortgages can be paid in installments over a long period of up to 25 years, depending on the age and analysis of the buyer's data. This is one of the advantages of a mortgage compared to other ways to pay for a house. Not only that, the amount of house installments can be adjusted according to your ability so that the capital money you provide is only for the booking fee and DP only at the beginning of the purchase. KPR is equipped with life insurance and minimal legal risk due to the legality of the house being saved by the bank.

Balloon Payment

This method of paying for a house seems not quite familiar to the public. Balloon payment is a home loan payment system with a small installment scheme in the early stages and large installments at the end.

DP and initial installments are very light, this is the advantage of the balloon payment method. The advantage of another balloon payment method is that if at any time you want to sell the house again in the middle of an installment period or in an over-credit condition, then this is very possible.

These are several payment methods available and their advantages? So for those of you who are looking for housing that offers a variety of payment methods, Housing at PIK2 is the right choice! One of the hit areas of the capital city which is being discussed by the public because it has a wide selection of restaurants and café hits, clubhouses, outdoor hangout options and other instagramable entertainment facilities in the north of Jakarta. Moreover, its iconic white sand beach is the main attraction for the PIK2 area.

The house at PIK2 has 2 main accesses that facilitate your mobility, namely via toll and non-toll roads. At least, there are 3 toll interchange points that connect PIK2 with the entire Jakarta area and its surroundings, so that from Pluit or Muara Karang it can be reached in just 10 minutes.

Then from and to Soekarno Hatta airport only about 15 minutes. Apart from toll roads, this area can be accessed via non-toll roads, namely via a bridge that connects PIK1 with PIK2. So that it is very easy to reach from and to the center of the capital city.

A number of recommendations for interesting tourist destinations are easy to find around PIK2, starting from Pantjoran PIK which is an iconic culinary area located on Golf Island, then Batavia Promenade, a courtyard that offers charming seaside views where you can walk around. leisurely walks, cycling, jogging to enjoy a wide selection of delicious restaurants.

Furthermore, still around the Golf Island area, there is a hype lately with a choice of contemporary tenants ranging from Lawless Burger, Oyster Dealer, Secret Gelato, Pancious Go, Ask For Patty and others with white buildings on the edge of the rocky beach, namely Batavia Cove, here you can enjoy the beautiful seaside by renting a bicycle or scooter, you know. Also, Urban Farm where you can find the Gioi restaurant, Toby's Estate cafe, delicious Balinese croissants and pastries at Monsieur Spoon PIK, in this area also provides farming classes so that it is perfect for a family tourist destination.

There are also various choices of other entertainment facilities like The Club at Pasir Putih Residence which is the most luxurious clubhouse in the north of Jakarta covering an area of ​​±1.5 hectares which is managed professionally equivalent to a five-star hotel. Also, PIK2 Center Point Area Leisure & Entertainment Hub covers an area of ​​±100 Ha where you will find the largest Seafood Village in Indonesia, Asian Town with a 4-country theme, Shibuya Night Market, Tokyo Market, Mata Elang International Stadium and various other choices.

Don't miss the opportunity to buy a house in the most premium and luxurious residential area of ​​PIK2, namely Pasir Putih Residences. A residential area developed by the Agung Sedayu Group and the Salim Group, a well-known and trusted developer in Indonesia.

This is a resort-style housing estate with a beautiful lake area of ​​±16.2 hectares and a width of up to 70 meters that surrounds an area with white sand on its banks, a jogging track view of the lake for ±2.5 km and a jogging track view of the Mangrove forest for ±2.7 km,  as well as various other interesting facilities on the edge of the lake.

Pasir Putih Residences offered starting from Rp. 1.92 billion. The facilities in the Pasir Putih Residences are very diverse, ready to pamper you and your family, ranging from kids playground, multifunction outdoor lawn, cafe, lobby & lounge, modern mini market, restaurant, outdoor alfresco dining, community art park, pets run & park, lakeside art platform decks, community gardens and others.

The infrastructure development is sophisticated with the application of the polder system to ensure that the PIK2 area and its surroundings are free from flooding. Thus, maintaining a very good quality of life for the long term.

Around the Pasir Putih Residences area there is a Waterfront which is a beach area with charming white sand along approximately 4 Km and also a Green Belt Area of ​​±60 Ha with green open areas such as Flower Garden, Sculpture Park, Amphitheater Park, and many others. Currently, there are bicycles and a ±10 km jogging track that surrounds a green park and a beautiful river view.