Know what is rusunami

Come on, find out about what rusunami is. Vertical residences can be a place to live for those who live in big cities.

Having your own home often feels like a dream that is getting away, especially for those of you who are just starting to organize life in big cities.

The price of tread houses is increasingly unreachable, while living costs continue to rise. In the midst of this challenge, there is an alternative residential that can be a way out, namely Rusunami.

This vertical residential is designed by the government to help people with limited income to have their own residence.

With a controlled price and a lighter installment scheme, this choice can be the first step to escape the rental cycle at a boarding house, plot house, and others.

This article from the Skillife blog will discuss thoroughly the understanding, requirements, and ways to have rusunami based on trusted sources.

What is Rusunami?

Rusunami is an abbreviation of a simple flats belonging, namely vertical residences that can be owned personally by people who meet certain requirements.

This program is part of the government’s efforts to reduce backlog Housing and helping low -income people (MBR) get a decent place to live.

Usually, buildings have about 8 floors and are also known as subsidized apartmentBecause the selling price is limited to a maximum of Rp. 250 million with an area of ​​units between 21-36 m2 (square meters).

Unlike the rental flats (rusunawa) which can only be inhabited while alias rented, then you can have this residential unit permanently.

However, to get subsidies and affordable prices, there are special requirements that must be met by prospective owners.

Requirements to have this residence

To be able to have Rusunami With a subsidized scheme, here are the main conditions that need to be met:

• Indonesian citizens (Indonesian citizens) and live in Indonesia
• At least 21 years old or married
• Do not have a private home, and have never received residential ownership subsidies
• Maximum principal income of IDR 7 million per month
• Has worked or has a business at least 1 year
• Have a NPWP (Taxpayer Identification Number) and submit the Annual Personal Income Tax Return

If all these conditions are met, you can continue to the process of submitting this vertical residential ownership with credit support from the bank.

How to submit and buy

After meeting the requirements, the next steps you can do are:

1. Select the location and project available. A good location is usually near public transportation and productive areas.

2. Submit an Apartment Ownership Credit (KPA) to a developer partner bank or other bank that provides subsidized residential financing schemes.

3. Complete the required documents, such as:

• Credit application form and photo pass
• Photocopy of KTP (Identity Card) and KK (Family Card)
• Marriage/divorce (if it happens)
• Salary slip or business document and account mutation for the last 3 months
• Statement letter does not have a house
• Photocopy of NPWP

4. Wait for the verification process from the bank which usually takes up to 10 working days.

5. If approved, you will continue to the credit agreement process with a notary, including preparing additional costs such as provision and administration.

This vertical residential is not just a multi -storey building, Rusunami can be a concrete solution for those of you who want to have their own place to live without having to force financial conditions.

In the midst of economic challenges and higher property prices, Rusunami offers a realistic starting point.

For those of you who have felt a dream of having a house too far, maybe what is needed is not a luxury home, but the right information and brave steps.

Because in fact, the house is not just a place to live, but a place back and grow. Hmm, it turns out there are many ways to have dwellings.

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