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Over a home loan?

Over a home loan? Why not ..?! Over the credit is one of the techniques have a house at a low price. Why the cheap? Since most of those who want to overkredit-the house is being pressed charges, or may no longer carry on installment credit. Your presence is very helpful for them. This is where you can bargain home prices are in-the-overkredit lower than the market price. But, to get a lower purchase price, there are tips and tricks that you need to do in the credit over the house.

Previously, you need to know in the process of credit over the house usually there are three parties involved. The first party is the seller or the initial debtor, the second is that you as a prospective borrower replacement (successor) mortgages and third-party credit providers, namely banks.

Well, how do you get in over your home loan can get a much cheaper price than the market price? Listen to the bottom of this article. 
  • Tips Before Over Credit
Before you decide to continue or replace the debtor's credit (over credit) from a home mortgage there are a few things you should consider:
  1. Check carefully the condition of the house, do not easily tempted by the low price.
  2. Check the location and position of the house. Because it may be the first party intends overkredit-clicking the home because of its location which is not profitable.
  3. Find information regarding the condition of the home environment, both security issues and other issues, such as whether or not prone to flooding.
  4. Examine the validity of home ownership. If it turns out there is a problem (eg disputes) better leave it alone.
  5. Calculate carefully how the actual value of the transaction and the sale value of the home, whether cheaper or more expensive than it is worth. Before you can check the market price of the house / land around the site, also by checking the Tax Object Selling Value in receipt UN bill.
  6. Check the total mortgage installments have been paid and how the rest of the debtor's obligations. Is this for the first installment is always discipline or no penalties for delays. 
  • Trick Gets Low Prices In Over Credit
Well, this is the most important part of this article, which is about how to trick your order on the home purchase price is cheaper than it should be.

When you get the information, either directly or from the media (newspapers or the internet) about the house that would in-the-overkredit do first steps that I recommend above. Then agree on what price you must pay to the first party for the cost of installment and dp that he spend all this time. Try to keep the cost you pay is lower than the cost of which he spends.

Then you do not contact the provider of mortgages (Bank) but is sufficient to visit the notary with the second party as the initial debtor (the seller). Convey your intentions, which is to do over the first home mortgage.

Oh yes, do not forget to include:
  1. Copy the certificate (which is no stamp bank mortgage providers).
  2. Copy the IMB.
  3. Copy the United Nations (keel).
  4. Copy Installment Payment Proof.
  5. Book original Savings bank mortgage providers on behalf of the first party.
  6. Data first party and the second party (you), including ID card, family card, etc. Salary Slip.
Furthermore, the notarial deed of sale will be made on the transfer of land and buildings following a power of attorney to pay the remaining installments and take the certificate authority. The seller must make a statement that has occurred over the obligations and rights of credit and collateral referred to (home).

After the affair before a notary finished, you just bring / show of statement made to the mortgage provider (bank). Thus, although the installments and the certificate is still the name of the first party (the seller) but the rights and obligations has been transferred to you. You are obligated to pay the remaining installments and shall be entitled to take the certificate when it is paid off. Thus, the involvement of a third party (bank) is a passive involvement, which is limited to knowing that there have been transactions between you and the first legitimate parties before a notary. It is cheaper than you over credit involving the bank. Because the bank as mortgage providers do not need to create a new calculation for your credit.

Okay, now who wants to stay home hunting in-the-overkredit. Tips and tricks above will help you get home at a lower price and cost.

it's good if you complete the information by reading the following article:
  1. Consider Before Buying a Home.
  2. Tips on Buying a House Ready.
  3. Choosing a strategic location.

Regarding Profession Lawyer

Terms such as associate lawyers, senior lawyers, and junior lawyers and others are terms relating to the structure or career lawyer, who is now called the advocate, the advocate's office, in this case in the form of firm (law firm). Yet perhaps each advocate's office has different terms or names for their respective organizations.

The duties and responsibilities, in general, as they advocate - both associate, senior, or junior lawyer - can provide legal services to clients. However, the management office of advocate can make a more detailed description and more about their duties and responsibilities of each.

Citing the book "Law Office Management" written by Jonathan S. Lynton, according to Ira Andara Eddymurthy, career in a law office is as follows:
  1. Equity Partners, one of them will be the Managing Partner;
  2. Non-equity Partner / Contract Partner;
  3. Of Counsel / Advisor;
  4. Senior Partner;
  5. Associate Attorney;
  6. Attorney senior;
  7. Non-lawyer Partner;
  8. Contract Attorney / Intern (Intern);
  9. Freelance Attorney;
  10. Law Clerks (Paralegal).
Ira writes Andara Eddymurthy which also advocate and partner at the Law Firm Soewito, Suhardiman, Eddymurthy, Kardono (SSEK) in the book "Law Office Management in Indonesia (Lawfirm Management in Indonesia)" published Centre for Finance, Investment and Securities Law (CFISEL ).

As we have explained above, the term associate, senior and junior lawyer / attorney is a career path for an advocate (lawyer, attorney) in a lawyer's office. Each law firm may have the term or name that is different for each level. Office SSEK advocate for example, do not use the term junior lawyers and senior lawyers. "We use the term Level 1, Level 2, Associates, Contract / Salary Partner and Equity Partner," said Ira when we asked for his opinion.

Career paths and patterns in the appointment of an advocate's office can be determined based on years of service, performance, or other measures. In SSEK which has 58 lawyers, according to Ira, promotion from Level 1 to Level 2 are determined based on the achievement of an advocate in his work, in addition to views of the working period. "To each his level two to three years. In our office, after 10, or a maximum of 15 years, can only be raised to the level of partner, "he explained.

For a law firm that does not have many advocates (15 people or less) may have its organizational structure is much simpler than medium and large law firm with 50 lawyers or more.

Career in the law firm can also vary between the advocate's office chores litigation (legal services in the court) with offices advocates who work the works of the corporation or non-litigation (legal services out of court).

Thus our explanation. Hope it is useful.
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