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AMERIKA / REAL ESTATE
Beli Rumah di Amerika
Published 11/01/2007 - 12:45 p.m. GMT
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8
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“Lain Padang lain Belalang, Lain Lubuk lain Ikannnya”
peribahasa untuk mengambarkan perbedaan antara cara membeli rumah di Amerika dan Indonesia.

Proses membeli rumah di Amerika:
1.Consultacy
Konsultasi dengan agen real estate untuk menentukan kriteria yang dibutuhkan atau diingini calon pembeli. Bagi yang butuh pinjaman, biasanya pembeli juga berkonsultasi kepada loan specialist untuk mendapatkan Pre-approval letter (surat pendahuluan penyetujuan).

2.Hunting and Deposit Money
Agen kemudian mencari dan melihat rumah yang sesuai dengan kebutuhan pembeli. Setelah menemukan rumah yang sesuai, pembeli dan agen mendiskusikan strategi untuk memberikan penawaran kepada penjual. Setelah disepakati bersama, pembeli memberi deposit kepada agen.

3.Escrow Account
Setelah penjual menyetujui penawaran/ offer yang diberikan agen, uang deposit diserahkan kepada Title Company (pihak ketiga yang akan mengatur ganti nama kepemilikan rumah). Title Company akan membuka rekening di bank yang biasa dikenal dengan istilah ”escrow account” .Rekening ini nantinya digunakan untuk menyimpan deposit dan uang muka/down payment.

4.Inspection
Pembeli dipersilakan melakukan inspeksi atas bangunan rumah dan surat kepemilikan rumah, yang biasa dikenal dengan istilah ”Contigencies Period”. Saat itu, informasi mengenai rumah juga akan diberikan kepada pihak yang meminjamkan uang/lender atau bank (tergantung pihak mana yang digunakan) untuk melengkapi proses peminjaman uang.

5.Transaction
Setelah cocok dan setuju, pembeli akan menandatangani dokumen peminjaman uang. Pembeli juga membawa cek untuk pembayaran uang muka dan biaya ganti nama.

6.City Hall
proses perpindahan/balik nama oleh Title Company di Instansi pemerintah setelah pihak yang meminjamkan uang/lender atau bank mengirimkan dana ke Title Company.

Berminat mencari rumah di Amerika?
Kunjungi situs www.RonnyBudiutama.com
Keterangan lebih lanjut silakan kirim e-mail ke ronnyb@interosf.com atau telepon ke 415-559-6989.

—
Sincerely
Ronny Budiutama

Intero Real Estate San Francisco
1788 19th Avenue
San Francisco CA 94122

415-242-8177 ext 130
415-759-2200 Fax
415-559-6989 Mobile
 
 
 
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