A Home Mortgage Is A Way To Own A Home

A Home Mortgage Is A Way To Own A Home – We Need To Know That The Definition Of The Word Of Home Mortgage Is A Way To Have A Home With Low Installments It Is Very Important

One of the most popular types of mortgage loans in Indonesia is Home Ownership Loans (KPR).

With a mortgage system, the home payment process can be easier to bear.

With house and land prices creeping up every year, owning a house has become a difficult thing to do in cash.

Mortgage debt instruments provide an alternative way to own the dream home.

Mortgage loans, in this case KPR, have their own advantages that ease the debtor (debtor) in financing home installments.

Payment schemes are divided into smaller amounts over a period of years, making them easier to cover.

In this article, rumah123.com will take mortgages further, to provide an explanation that can help us all understand this debt instrument better.

Meaning of mortgage

What is a mortgage?

The term mortgage itself has its roots in the Latin hypothēca and the Greek hupothḗkē.

Mortgage in the Big Indonesian Dictionary has the meaning of “credit given on the basis of collateral in the form of immovable objects.”

Collateral in the form of assets or immovable objects, for example, such as land and buildings, houses, and apartments.

Meanwhile, citing the Financial Services Authority, a mortgage is a “debt instrument with the granting of mortgage rights over the property and the borrower to the lender as collateral for his obligations; in this case the borrower can still use or utilize the property; the mortgage right on the property expires after the obligation is paid in full (mortgage).”

So from the above definition, we can easily understand that a mortgage is a long-term debt instrument in the form of a loan to buy property or land with collateral in the form of land or property itself which is handed over by the borrower (debtor) to the lender (creditor) with the object loans that can still be used by the debtor.

Borrowers can own a home by paying off the mortgage debt, i.e. the value of the house along with the interest.

If the borrower does not succeed in paying off his mortgage debt, then the object of the guarantee becomes the property of the lender (creditor).

Pawn vs mortgage

To understand the difference between a mortgage and a pawn, we need to first know the legal concept and the meaning of a pawn itself.

According to the KBBI, pawning is “borrowing money within a certain time limit by submitting goods as dependents, if it has not been redeemed, the goods become the rights of the lender.”

Meanwhile, according to the Financial Services Authority, a pledge is a “mortgage right on movable property; collateral must be released from the authority of the debtor”.

From the definition above, we can see that at a glance a pawn has similarities to a mortgage.

However, these two debt instruments are different.

Here are some of the differences between a mortgage vs a mortgage.


1. Mortgage debt guarantees in the form of assets or immovable objects, for example land and property, such as houses, apartments, boats

2. There must be an official written agreement made in the presence of a notary

3. The guarantee does not become the property of the debt borrower, so the borrower can m

4. use the guarantee object

5. The status of the right to guarantee is not lost even if the guarantee changes hands

6. Proven by an authentic deed

7. The practice is carried out by banking financial institutions


1. Collateral in the form of movable assets or objects, tangible or intangible, for example jewelry and motor vehicles

2. Not obliged to involve PPAT or a notary in the agreement

3. The contents of the agreement include the rules for transferring power over the object of collateral

4. The debtor (borrower) relinquishes ownership rights to the object of collateral to the lender

5. The proof can be done by proving the main agreement

6. Rights are lost if the object of collateral changes hands

7. The practice is carried out by pawning institutions, for example Pegadaian

The main difference between a mortgage loan and a pawn is in the use of the object being mortgaged.

A mortgage is a debt instrument where the borrower can still use or utilize the property that is the object of the guarantee.

Hence, a mortgage is a good way to own a home.

During the debt payment process, the creditor (debt borrower) can still use the object of collateral, in this case occupying the house that is used as collateral.

1. Transferable immovable property and all its accessories

2. The usufructuary rights to these objects and all their equipment

3. The right of hitchhiking and the right of business

4. Land interest (whether paid in cash or payable with land proceeds)

5. Flowers as before

6. Markets recognized by the government, along with native rights, are inherent in them

ALSO READ : Choosing the Wrong Slot Gambling Site Causes Loss 

Home mortgage

The use of the mortgage system to own a house in Indonesia is known as the Home Ownership Credit (KPR) program.

KPR was originally held by the State Savings Bank (BTN) to provide a home financing program with a mortgage lending system.

The aim is to provide an alternative option for Indonesians to own a house with low installments.

Along with its development, this mortgage program became increasingly popular and other banks also provided home mortgage loans.

Mortgages are loans offered by banks to customers who want to buy property with a collateral object in the form of a certificate of the house to be purchased itself.

Thus, a mortgage is one way that can help people to own a house.

Choosing the Wrong Slot Gambling Site Causes Loss

Choosing the Wrong Slot Gambling Site Causes Loss – From playing online slot gambling, you really need to try to pay attention to the best sites that provide online slot gambling.

Online Gambling Agent Sites Deposit Via Credit and E-Money on the internet are now increasingly popping up. Bettors can play easily and access a wide selection of very interesting online slot games. Of course, in this case a variety of big profits can be achieved easily by bettors. Included in this will be a large selection of great bonuses.

The selection and selection of the best and official slot gambling betting agents is an important requirement for bettors to do. By joining the right agent, you will definitely provide many benefits that are many times over. Including in this case the bettor can really get various profit opportunities that are many times over.

By joining the best official agent, you can definitely get all the benefits. But if on the other hand bettors join fraudulent online slot agents, of course there will be a lot of losses. Including in this case the bettor will be very difficult to get a lot of profits. Loss by losing a lot of capital in betting is one thing that is sure to happen.

Difficult to Win in Betting

Choosing a trusted Indonesian licensed online slot agent site will indeed have a bad impact if the agent is a fake. In every bet the bettor will be very difficult to win. Even in this case the defeat in the bet can be many times. Every slot game that is played is difficult to win so this is what hinders profits in betting.

Not Getting Payment

Another disadvantage caused by fraudulent agents is that there is no payout for winnings in bets. Each bet does not get paid out as it should. Precisely in this case when withdrawing there is absolutely no process carried out by the agent. Even to the extent that the betting agent is difficult to contact or disappears.

Big Capital Loss

In addition, another loss due to joining fraudulent online rtpagen878 slot agents is losing large amounts of capital. Even in this case the bettors continue to deposit but in the bet absolutely no payments are received. This one loss is indeed very fatal and as a result will make bettors very bankrupt. Do not let this happen because it can be very detrimental.

Difficult Access Game

Access to games and bets is of course very difficult to do. In this case the bettor will not get any convenience in terms of running the game. In fact, every game applies rules that make it difficult for bettors to access them. Including for placing bets that are very hampered. This is one of the disadvantages of choosing a fake agent.

Not Getting Service Support

Then another disadvantage of joining the latest fake online gambling agent is not getting the best service support. Precisely in this case once livechat is difficult to access because it is not online. Usually fraudulent agents are only online at certain times. This is what really results in a loss in placing the bet.

Fake Online Sportsbook Sites Cause Losses

Fake ONline Sportsbook Sites Cause Losses – In playing this type of online sportsbook gambling, you as a player can indeed experience some losses. Fake soccer gambling sites have now become a scourge for online gambling players. The reason is that fake soccer gambling sites can bring huge losses to the players who join them.

Moreover, after the rampant cases of fraud under the guise of online gambling that are now happening, players are required to be more careful in choosing where to play so as not to make the wrong choice. In this case, players are required to be more vigilant if they want to choose a site as a place to play.

Novice players generally often become victims of the crime of fake sites circulating on the internet. Due to the large number of soccer gambling sites on the internet, this is what makes most players confused in choosing the right site. There are many pitfalls that often lead many players to fall into fake sites. One of them is to offer exorbitant bonuses with unreasonable amounts.

Bonuses are one of the things that are very liked by many people. Especially if the bonuses given are in large quantities. Who would not be tempted by the offer? This is what often makes many people feel tempted to join the site. The amount of bonus offered is just a trap to attract the attention of their potential prey to join and fall into the trap. In addition, there are many losses that will be caused by fake gambling sites.

Data Security Vulnerable to Leaks

New members who will register are of course required to fill in data according to their original identities if they want to be accepted by the indomaxbet soccer gambling site. However, if someone joins a fake gambling, then the data entered can be misused for negative things. Many victims have experienced their personal data being leaked to irresponsible parties.

Money can run out

In addition to entering personal data at the time of registration, the players will then be asked to enter the account data that will be used to play. However, what is wrong with this fake soccer gambling is abusing the account number owned by each member. There are several cases where the money in the player’s account is drained after registering with a site.

Incomplete Features

Features are very important to support soccer gambling games. Trusted sites will generally provide complete features so that players can play comfortably. This is in contrast to fake soccer gambling sites which have incomplete features and make it difficult for players to access the game.

Always Lose When Playing

Fake soccer gambling sites often do things that smell like cheating to make players unable to win the game. If it continues to be cheated, it will be impossible for a player to win the game. This is what makes many players continue to lose when playing games with these fake gambling sites.