Serba-Serbi KPR yang Harus Diketahui

Membeli rumah semakin mudah dengan adanya Kredit Pemilikan Rumah (KPR). Melalui KPR, Anda dapat segera menempati rumah sendiri meski belum memiliki dana yang cukup. Akan tetapi, untuk mengajukan KPR kepada bank ada ketentuan dan proses yang harus dilalui. Agar pengajuan kredit diterima bank, simak serba-serbi yang harus diketahui tentang KPR di bawah ini.

KPR Memudahkan Pembelian Rumah

KPR adalah layanan peminjaman dari bank kepada nasabah untuk membeli rumah dengan cara kredit. Produk pembiayaan yang diberikan dapat mencapai 90% dari harga rumah. Jika membeli rumah lewat KPR, nasabah cukup membayar uang muka karena sisanya akan dilunasi bank. Sebagai gantinya, nasabah mencicil biaya pelunasan per bulan kepada bank dengan disertai bunga. Melalui KPR, artinya rumah yang dibeli menjadi jaminan pinjaman. Jika pinjaman tak bisa dilunasi, rumah tersebut akan disita bank.

Pahami Peraturan Pengajuan KPR

Menurut aturan Bank Indonesia, minimal uang muka KPR adalah 30% untuk rumah pertama dan 50% untuk rumah kedua. Membayar lebih besar dari DP yang ditetapkan akan mengurangi biaya angsuran per bulan. Cicilan KPR biasanya dihitung maksimal 1/3 atau 30% dari total penghasilan. Anda juga harus paham jika tidak semua pengajuan KPR akan diterima oleh bank. Saat pengajuan KPR, bank akan memeriksa riwayat kredit nasabah. Jika nasabah masih punya utang kartu kredit atau riwayat pembayaran hal lain yang buruk, permohonan KPR kemungkinan besar ditolak.

Cermat Membayar Cicilan

Cicilan KPR terdiri atas utang pokok dan bunga. Utang pokok artinya nominal uang yang belum dilunasi nasabah ketika membeli rumah. Sedangkan bunga adalah biaya jasa KPR yang ditentukan oleh bank tersebut atas persetujuan Bank Indonesia. Bunga KPR ada dua macam, yaitu fixed (tetap) dan floating (mengambang). Fixed artinya nasabah membayar bunga dengan nilai tetap selama periode yang telah disepakati. Sedangkan floating artinya nilai bunga berubah-ubah sesuai dengan ketetapan bank dan tergantung pada pasar suku bunga.

Sumber: http://www.cosmopolitan.co.id/article/read/5/2015/7477/serba-serbi-kpr-yang-harus-diketahui

Relative Clauses

Relative clauses are non-essential parts of a sentence. They may add meaning, but if they are removed, the sentence will still function grammatically. There are two broad types of relative clauses in English. It is important to distinguish between them because it affects the choice of pronoun used to introduce the clause. There is a more detailed page about preposition placement in relative clauses.

DEFINING CLAUSES

A defining or identifying clause tells us which specific person or thing we are talking about in a larger group of people or things. If a defining relative clause is removed, the meaning of the sentence changes significantly. A defining relative clauses is not separated from the rest of the sentence by commas or parentheses.

EXAMPLES

• The woman who visited me in the hospital was very kind.
• The umbrella that I bought last week is already broken.
• The man who stole my backpack has been arrested.
• The weather that we had this summer was beautiful.

NON DEFINING CLAUSES

A non-defining or non-essential clause gives us more information about the person or thing we are talking about. If a non-defining relative clause is removed from a sentence, we lose some detail, but the overall meaninf of the sentence remains the same. Non-defining relative clauses are always set off from the rest of the sentence with commas or parentheses.

EXAMPLES

• The farmer, whose name was Fred, sold us 10 pounds of potatoes.
• Elephants, which are the largest land mammals, live in herds of 10 or more adults.
• The author, who graduated from the same university I did, gave a wonderful presentation.
• My mother, who is 86, lives in Paris.

Sumber: http://www.edufind.com/english-grammar/relative-clauses/

Relative Clauses, Relative Clause Reduction and Subjunctive

Exercise 37: Relative Clauses

1. The last record which produced by this company became a gold record.
2. Checking accounts that require a minimum balance are very common now.
3. The professor whom you spoke yesterday is not here today.
4. John whose grades are the highest in the school has received a scholarship.
5. Felipe bought a camera which has three lenses.
6. Frank is the man who we are going to nominate for the office or treasurer.
7. The doctor is with a patient whose leg was broken in an accident.
8. Jane is the woman who is going to Chinaa next year.
9. Janet wants a typewriter that self-corrects.
10. The book which I found last week contains some useful information.
11. Mr. Bryant whose team has lost the game looks very sad.
12. James wrote an article which indicated that he disliked the president.
13. The director of the program who graduated from Harvard University is planning to retire next year.
14. This is the book that I have been looking for all year.
15. William whose brother is a lawyer wants to become a judge.

Exercise 38: Relative Clause Reduction

1. George is the man chosen to represent the committee at the convention.
2. All of the money accepted has already been released.
3. The papers on the table belong to Patricia.
4. The man brought to the police station confessed to the crime.
5. The girl drinking coffe is Mary Allen.
6. John's wife, a professor, has written several papers on this subject.
7. The man talking to the policeman is my uncle.
8. The book on the top shelf is the one that I need.
9. The number of students counted is quite high.
10. Leo Evans, a doctor, eats in this restaurant every day.

Exercise 39: Subjunctive

1. The teacher demanded the student to leave the room.
2. Correct
3. It was very important that we delayed discussion.
4. Correct
5. The king decreed the new laws to take effect the following months.
6. Correct
7. Correct
8. His father prefers him to attend a different university.
9. The faculty stipulated the rule to be abolished.
10. She urged us to find another alternative.