Title : How to Buy a Home Using BPJS Employment
link : How to Buy a Home Using BPJS Employment
How to Buy a Home Using BPJS Employment
Have you joined the BPJS Employment program? If so, of course you know the benefits and functions. Many say, if you do not pocket the membership, will lose weight! The Manpower Social Security Organizing Agency (BPJS) exists to provide protection for workers in dealing with certain socio-economic risks. This program will obviously be useful someday. It turns out that behind the benefits of employment guarantees, BPJS can make it easier for someone to get their dream home. But unfortunately, there are still few people who know how to buy or even renovate a house using BPJS Employment facilities.
Get to know the BPJS Employment Program
The BPJS Employment was formerly known as PT Jamsostek (Persero) which is the implementer of the labor social security law. Then according to Law No. 24 of 2011 concerning BPJS, PT. Jamsostek then turned into the kindergarten BPJS that we know today as of January 1, 2014 ago. Currently, the institute is organizing four programs namely the Work Accident Insurance Program (JKK), Old Age Insurance (JHT), Pension Insurance (JP), and Death Insurance (JK). Talking about socio-economic risks experienced by workers, reported from the official website, BPJS TK will provide protection in the form of services and cash.
Advance Loan Facility for Homes
With a variety of obligations that increase with the necessities of life, of course you as a worker need additional funds - such as to get a home. But when you want to apply for a loan to a number of places, you will certainly think twice especially when you see the terms with a nominal interest rate for example too large.
Well, this is where the benefits of registering as a BPJS Employment participant. One facility called Housing Advances (PUMP), will be very useful for you. You can apply for a loan based on your income earned. The amount is divided into three types, namely:
- Workers with a salary of ≤ Rp. 5 million will get Rp. 20 million.
- Workers with a salary of IDR 5-10 million will get 35 million.
- Workers with a salary of ≥ Rp10 million will get Rp50 million.
The amount of salary and its relation to the loan amount, has the intention to adjust the price of the house to be purchased along with the maximum DP. It is worth remembering that PUMP can be submitted regardless of the type of KPR to be selected. That way, you must be careful in choosing the applicable provisions.
Thus the article How to Buy a Home Using BPJS Employment
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