Jakarta – Some houses are sold at cheap prices starting from tens of millions of rupiah. These cheap houses are sold on a system cession. This can be found on the official website rumahmurahbtn.co.id. The question is what is the cessie system, what will happen if you buy a house using the cessie system?
You need to know first that the cessie system itself is a system of purchasing an asset by paying the remaining debt of another person on that asset. In this case, the prospective buyer will pay the remaining credit or bank debt from the house being offered. The simple language is over credit.
So, the cheap house prices listed on the rumahmurahbtn.co.id website using the cessie purchase system are the remaining credit that has not been paid by the previous home owner.
detikcom had time to contact the sales team at rumahmurahbtn.co.id to find more information about buying a house with the system cession. As an example case, from search detikcom On this site there are houses that are priced at just IDR 17 million.
The location is Puri Cikarang Asri No H11/18, Sukatani, Bekasi Regency, West Java. This house has a land area of 60 square meters and a building area of 22 square meters. The house has asset code CBB-210825.
So, from the information received, prospective home buyers must first pay off the debt amount stated on the website. Remember, this price is the remaining debt from the old home owner.
If we have paid the remaining debt, can we move into this cheap house straight away? click on the next page.
In this case, this means that the prospective buyer must pay the price of the house in cash amounting to IDR 17 million to Bank BTN. Next, prospective buyers will get a house certificate, cessie deed and other housing documents.
“If you are interested, you will pay off the homeowner’s debt of IDR 17 million to the bank in cash. Then later you will hold the house certificate and also the cessie deed and other documents,” said CS rumahmurahbtn.co.id by telephone.
So, even though it has been paid, the house certificate still includes the name of the old house owner. Even though you already hold the certificate, the house is not fully owned because the certificate is still in someone else’s name.
Therefore, after paying off the Rp. 17 million price of the house using the cessie scheme at the bank, the prospective new buyer must contact the owner of the old house to change the name on the certificate.
This process itself is carried out privately without a bank between the new buyer and the old home owner. In this process, usually the old home owner will ask for payment as the purchase price of the house. Understandably, old home owners also pay off the credit at the start even though they are left with problematic credit.
The nominal price is determined according to the agreement between the new buyer and the old home owner. So to buy this house, prospective buyers not only pay the price under the concession scheme of IDR 17 million, but there is an additional purchase price for the house from the old owner.
“After paying Rp. 17 million, the next step will be an agreement between the father and the owner of the old house. The price agreement will be according to the father and the old owner, then the certificate will be taken care of,” explained CS rumahmurahbtn.co.id.
Then, if the old owner refuses to pay for the house, the home owner must pay the remaining debt which is used as a concession price to the new buyer plus interest. So even though they don’t get a house, the new buyer makes a profit from the interest paid.
If an agreement cannot be obtained from the two options above, the last resort for the new buyer could be to auction this house. Later, the new buyer will benefit from the auction results.
(hal/dna)
2023-09-25 00:02:27
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