Cheapest Homeowner Loans

Siska with her husband finally able to realize their dreams: owning their own home.The process of owning a house is arguably very long, it takes a struggle to the point of death. Uh, die dong. Hehehe

 But really, buying a house requires a process that is not simple. Many stages must be lived until the coveted house certificate can get to the hand. "Until pengay dateng dateng wrote to the president, ask to be bought home, so stay make," Siska said with a laugh.

 Siska itself takes two months more than time to find a house coveted until the bank approve the financing through mortgages (KPR). Buying a home through a mortgage is often so an option because it is very lighten people who want to have a home but not enough savings.

"If you wait until enugh money, that there is a coveted house already disamber others, not to mention the price must go up," said Siska.

Because of the search for new housing that is easy to access or close to the location of work and her husband failed to continue, Siska finally buy a house that fits his needs. Without long wait, he's looking for information on how to apply mortgages for a used house. 

Thanks to the help of friends Siska husbands who have experience using mortgages for secondhand homes, Siska passing stage by stage purchase to completion. Here are the steps Siska passes through his experience:

1. Deal with the seller

A house valued at Rp 500 million offered by Siska hinga stuck at the number Rp 500 million fitting. Because later the bank will not finance the mortgage in accordance with the price of the house. So for example the house price of Rp 500 million, which is financed by KPR may only Rp 320 million.

Because the bank will conduct a valuation survey (appraisal) to estimate the price of the house, which often is always below the price set by the seller. In the case of Siska, an explanation of appraisal is in the third stage below.

"I went out of style in the market. Difference 500 silver also I will bargain, "said Siska.

2. Meet the bank

After price deal with the seller, Siska only given 2 weeks to look for mortgage at bank. Fortunately he succeeded in getting a mortgage match with his financial ability.

When applying for KPR, Siska brings the following documents:

• Family card and ID card
• NPWP
• Marriage certificate
• Last 3 months salary
• Certificate of Employment
• Last 3 months savings bank account

"Up at the bank, I forgot to bring home documents that I want to buy. Yes cook to ask to buy home but there is not a house file. Hahaha, "said Siska.

Actually, the missed documents can be sent by e-mail to the appointed bank officer. But Siska chose to go home first because the location of the bank close to where he lived.

House documents that should be brought Siska it must be requested from home sellers, namely:

• Photocopy of certificate
• Photocopy of building permit (IMB)
• Photocopy of final UN payment receipt
• Letter of home buying and selling agreement between seller and buyer signed on stamp duty.

3. Appraisal

This is the stage that makes Siska and her husband dag-dig-dug a second time. It was time for the appraisal of the house after they were deemed to be potential borrowers after checking their finacialondition and escaping the BI checking blacklist. 

As explained earlier, the bank will survey the house to determine the price of the house. This stage is not there if the house purchased a new status. Because the bank has worked with developers to determine the estimated price and mortgage ceiling for the home buyer . 
In this process, Siska did not participate, enough bank officers and homeowners. Siska was only asked to pay appraisal fee of Rp 450 thousand.

Incidentally the bank that he chose to file the KPK set the provisions pay appraisal in advance, so that the cost would be burned if later KPR is not approved. Some other banks charge these fees after the mortgage application is approved.

After the appraisal has been completed, the bank informs Siska that the estimated price of his target house is only Rp 400 million! And the bank will only lend 80% x apraisal price alias 80% x Rp 400 million = Rp 320 million.

 That means Siska must provide Rp 180 million to be paid to the home seller. Plus prepare a mortgage fee that is usually 10% of the total loan from the bank.

 "Fortunately, my savings and my husband is quite thanks to the bonus last year. If you can not, you can cry over, "said Siska, who advised not to use credit without collateral (KTA) to pay DP KPR

4. Letter of credit agreement

Abis dikasi letter agreement, read carefully until thoroughly let me not misunderstood KPR fit the road

After appraisal stage is complete, Siska just signed a credit agreement. But the bank will make a letter of credit agreement (SPK) first.

Previously he had got an illustration of mortgage payments from the bank he was heading, so that approximately already know the contents of the SPK. When looking at the SPK, what he noticed was:

(I) Big interest

He deliberately uses a conventional bank, not sharia, because there are low interest facilities and fixed for the first 2 years.

(Ii) Penalty

Penalties are fees charged if the debtor repays part or all of the loan before the term of the loan expires. For example, the credit period is 15 years, and in the 10th year the debtor will pay it off because there is a sustenance. Banks usually charge a penalty of 1% of the remaining principal.

(Iii) Details of mortgage cost

This is what details buyers should pay. Read carefully so there is no cost that should be paid by the seller instead of the paying buyer, such as roya certificate and sales tax.

KPR costs include:

• Notary fees
• Provision fees
• Fire and life insurance
• Taxes

(Iv) The appointment of a notary

Notary who will take care of the legality of all documents appointed by the bank upon approval of the debtor. So for example the debtor does not fit the notary for some reason, he can ask for a change. And unlike the cost of bank mortgage, the debtor may bargain the notary fee.

"I'm looking for a notary who in the deket home let me file files or signatures nothing easy, live the way," said Siska.

5. Signing of contract

Ni the most eagerly awaited process, the signature of the marriage agreement, eh, credit

After the bank agrees to disburse the mortgage and Siska also agrees with the contents of the SPK, it's time to sign the contract. Siska as a buyer signs two types of contract, namely contract of sale (buyer and seller of house) and credit agreement (home buyer and bank giving mortgage).

In signing the credit agreement, there are several steps that must be taken Siska, namely:

1. Pay off the mortgage and notary fees.
2. Requesting the scheduling of the credit agreement signing to the bank and notary (the sooner the better).
3. Submit required documents, such as KTP, KK, and NPWP to a notary. In this step the seller must also submit a home file, such as a certificate, IMB, the original UN and a photocopy to the notary.
4. Waiting for a notary to check the validity of the documents.
5. Signing agreement with the seller (husband and wife) and bank officer in front of the notary. Siska is required to come with her husband. Before signing, all parties are required to show original KTP and KK. Then the notary will read the rights and obligations of the parties.

 Once the signature affairs are completed, the bank will transfer the home purchase money to the house seller. Then the notary will process back the name of the house certificate to be on behalf of the buyer. The certificate along with the IMB and the original PBB will be given to the bank as collateral for KPR.

While Siska and her husband came home with empty hands and blank stares. Haishaah .. No, Siska certainly got the house key. He is allowed to take photocopies of certificates, deeds of sale and IMB to a notary three months after signing of the credit agreement.

Auto Insurance Price Quotes

Premium is a sum of money to be paid each month as a liability from the insured for his participation in insurance ( source ). The amount of premium you pay depends on several things:

• Type of car insurance (All Risk / TLO)
• Value of the car
• Year car
• Type plate number (ex its Jakarta plate B)

If you do not want to manually calculate premiums, enter your car details below:

Car insurance type: All Risk / TLO

In general, each insurance company offers two types of protection that is the same Comprehensive (All Risk) and Total Lost Only (TLO). 
Comprehensive (All Risk) is an indemnification by the insurance company for the loss of some or all of the car due to falling objects , fire, misconduct, theft, looting, collision, collision or other traffic accidents.

Total Lost Only (TLO) is a compensation that will ONLY be given by the company if the car suffers total damage or above 75%. In addition to the above two types, you also need to know of 'expansion'. Expansion is the addition of protection coverage. Expansions include:

• Tsunamis and earthquakes
• flood
• unrest
• Terrorism and sabotage

Is this protection extension necessary / not? It depends. For example if you live in Jakarta, you MUST take the expansion of floods and riots because these two events happen quite often here. If you do not take the expansion and your car is 'down the machine' due to flooding, the insurer will NOT compensate. Now that you live!

Each car insurance company has a different rate for their car insurance product. Here are some examples:

ACA

Premium

Car Insurance Premium
Non Truck	All Risk	TLO
0 - 100 million	3.00%	0.80%
100 - 150 million	2.50%	0.80%
150 - 300 million	2.00%	0.80%
300 - 500 million	1.75%	0.80%
500 - 800 million	1.50%	0.80%
> 800 million	1.50%	0.80%
Truck	2.50%	0.90%

Expansion of warranty

Expansion of Warranty
Risks	Premium
	All Risk	TLO
Tsunamis and earthquakes	0.15	0.05
Flood	0.35	0.13
Unrest	0.35	0.13
Terrorime and sabotage	0.15	0.05

Calculation

For example, suppose you own a car with the Etios Valco brand with an estimated price of Rp 135,500,000.00. You will insure the car by choosing All Risk protection from the ACA and with additional extension of flood, riot, and sabotage warranties. The amount of premium you will pay is as follows:

Sinar Mas

Premium

The amount of premium given by Sinar Mas are:

• For Comprehensive (All Risk) protection, the premium details are if the car price> 500 million offered 2.5% premium and if the car price <500 million premium offered 3.25%.
• For Total Lost Only (TLO) protection of 1.5%.

Calculation

You own a Toyota Rush car with an estimated cost of Rp 226,000,000.00. The car will be insured in the company Sinar Mas by using All Risk protection. What is the premium you will pay per year? Here are the details:

So, the amount of premium that you will pay per year is Rp 7,345,000

5 Tips for Buying Car Insurance Online

It seems like every time you turn on the television, you encounter a commercial that asks whether you're paying too much for your car insurance. Chances are your insurer won't be champing at the bit to tell you the answer, so the burden is on you to find out. But with an Internet connection and a little planning, you can do it on your lunch hour.

Whether you're shopping for your first policy or looking for a better rate, going online is a gateway to a world of auto insurance quotes and information about the companies that issue them. As you'll see, low cost is just one factor to consider. Let's take a look at five tips to keep in mind when you go online to buy car insurance.

1.Don't Go By Price Alone

Just because a company offers you a cheap quote doesn't mean you should let it insure your vehicle. Take a close look at the terms of your policy to ensure it matches your last auto insurance policy, and that you're getting an equivalent amount of coverage (or at least the minimum amount required by law in your state). Examine the terms of the agreement to make sure the company don't require the use of cheaper aftermarket materials for repairs instead of the original factory parts, which can pose safety hazards [source: Consumer Reports].

In addition to the complaint indexes maintained by state organizations, you can refer to consumer satisfaction databases on Web sites like ConsumerReports.org and JDPower.com . You should also make sure that your insurance company is financially stable before purchasing your policy. In addition to checking with your state insurance department, ratings organizations like A.M. Best and Standard and Poor's are good resources to determine a company's financial state. And look to your friends and family for recommendations, as well.

2.Visit Your State Insurance Department's Web Site

Auto insurance is regulated on a state-by-state basis, and your state's insurance department usually has a bunch of relevant information to your search in the consumer information section of its Web site. Search the National Association of Insurance Commissioners State Web Map to find a link to your state insurance department [source: NAIC].

The depth of information varies, but these Web sites often include profiles of the different insurance companies licensed within the state, sample price comparisons charged by competing agencies to cover common vehicles, and consumer guides to auto insurance. Many insurance departments also provide complaint indexes, which tally the number of consumer complaints upheld against a particular company versus the number of policies they have issued. This information can be valuable in determining which company to sign with.

If you're unsure if a prospective insurer is licensed within your state, ask an agent. If the company falsely claims to be licensed in your state, report them.

3.Shop Around

You should take a look at your auto insurance policy every year to find out how much you're paying in premiums and how much coverage you're getting in return. The cost of the same policy can vary widely between companies based on factors like how much the company spends on advertising, commissions paid to the agent and the risk levels of the company's pool of insured drivers.

To start comparing quotes, try logging on to an auto insurance aggregator Web site like NetQuote.com, Insure.com or InsWeb.com, where visitors submit information about their car and driving history in exchange for an array of quotes from different insurance companies. Typically, many of the quotes come via follow-up e-mails and phone calls from insurance agents. You can also try searching Web sites for companies like Progressive and Geico, which sell insurance directly to consumers and provide quotes immediately.

Before you submit any sensitive information through a Web site, look for a security policy to ensure that any communications are reasonably protected from third parties, and set your Web browser to notify you when you leave a secure connection.

4.Prepare Before You Search

Whether you shop for car insurance online or go one of the other routes, make sure you come prepared with all of the information you need to get an accurate quote. Take stock of your car's make, model, year, vehicle identification number (VIN), the zip code of where you park the car at night and any aftermarket safety or anti-theft accessories installed on the car. Get the license numbers of every driver to be insured under the policy, as well as the date when they were first licensed, and obtain a copy of your driving record. Get an updated credit score as well -- your credit rating can affect your auto insurance premiums, since some insurers say those with poor credit scores are more likely to file claims [source: Roberts-Grey].

There are a few steps you can take to get lower insurance premiums, as well. Tally up the number of miles you drove this year versus the previous year -- a significant decrease in the mileage you drive might help you get a lower quote. Consider completing a defensive driving course online, insuring multiple vehicles (or your home) through the same insurance company or looking for a plan with a higher deductible. You might even want to eliminate certain types of insurance not required by law in your state; you could forego collision and comprehensive coverage on very old cars, for instance [source: Insurance Information Institute].

5.Searching Online Is Just One Option

While there is a seemingly endless number of companies issuing auto insurance policies these days, there are really just two ways to buy car insurance: You can purchase a policy in-person through an agent -- a licensed individual who sells policies on behalf of one or more insurance companies -- or you can buy directly from an insurer via Web site or telephone.

Buying car insurance online still accounts for a relatively small portion of total auto insurance sales, but it's increasing in popularity. According to a 2011 survey by the Internet marketing research company ComScore, just 20 percent of new auto insurance policies were purchased online, compared to 43 percent purchased from an agent. However, the number of online purchases represents an increase of 5 percent from just two years earlier, while the number of agent purchases represents a 6 percent decline. Additionally, a 2011 survey by J.D. Power and Associates showed that 54 percent of new auto insurance owners applied for a rate quote online, the first time this has happened for a majority of respondents [source: Insurance Information Institute].

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How is Mesothelioma Diagnosed

Breast cancer can threaten every woman as she gets older. Detecting as early as possible and having a broad insight into the understanding, causes, and symptoms of breast cancer can save lives from death cases from breast cancer.

What is breast cancer?

Breast cancer is a disease that occurs due to abnormal growth of cells in the breast tissue that turned into malignant These cells are generally located in the channel or lobula in the breast that is likely to spread to surrounding tissues or organs and even to other body parts.

Most cancers are classified according to early growing cancer, even if the location of cancer growth has spread to other parts of the body. Such as abnormal cell growth in the area of ​​the lung or the surrounding is still referred to as breast cancer, although the location is not as specific as its name.

There are two general categories of breast cancer, namely noninvasive and invasive. Noninvasive is the growth of cancer cells that are restricted to the inner tubes of the breast, whereas invasive is the presence of cancer cells that have passed through the channel penetrating into the connective tissue. In each category there is also a unique type, which affects the different components of the breast.

Breast cancer is a disease that affects women when the age of 55-59 years, although at a young age did not rule out contracted by this disease. According to data obtained from Parkway Cancer Center, breast cancer sufferers every year will continue to grow, especially for ethnic Chinese who have a higher risk up to 20% compared to ethnic Malays and or India.

Being part of the second disease that has claimed the lives of many women, experts continue to do some research to find preventive measures and treatments until news emerges that while the disease is difficult to treat, women can make early detection efforts to avoid the worst.

Causes of breast cancer

In addition triggered by internal factors such as family medical history, it turns out more breast cancer causes from outside (external). What are the external factors triggering breast cancer? Here's the complete list as it is adapted in the Merdeka page of She Knows.

1. Pesticides

Pesticides are intended to repel pests that can damage crops including vegetables and fruits. Everyone must be interested in plants that regularly get treatment with pesticide spraying, but whoever lets that experts from the University of Liverpool do research on plants that are often given pesticides contributes to breast cancer.

So, you should be more careful when buying vegetables and fruits. Do not be fooled by the fresh look, but that does not mean you have to choose what looks dull and shabby. As a proof you can know which vegetables are either consumed or not is that much bitten by caterpillars.

2. All classes of smokers

You know the difference between active and passive smokers. If an active smoker is definitely high on this disease. But lest you assume that rarely smoking or being a passive smoker will be free from the target of breast cancer.

The reason, the experts also revealed that passive smokers are likely to have affairs to breast cancer. So the best thing you should do is stop smoking, whatever the type. Why? Because now it is rampant consumption of electric cigarettes which according to the layman safe to be sucked for free burning tobacco.

Only you need to know that an electric cigarette or Electronic Nicotine Delivery System (ENDS) is still likely to have adverse health effects, commentator Prof. Dr. Tjandra Yoga Aditama, Head of Research and Development of Health, Ministry of Health (quoted from the article Electric Health Cigarette Hazards by Lifestyle Okezone, 2 November 2014)

3. Hormone Pills

The use of long-term hormone pills with the aim of reducing menopausal symptoms will increase the number of breast cancer patients. These pills generally contain a combination of estrogen and progestin hormones. To reduce the risk of cancer, experts recommend to use estrogen hormone pills only because it is safer, especially for women who have no uterus.

4. Paraben compounds

Paraben is a chemical used to preserve lotions, shampoo, deodorant, conditioner, and even there is also on food and beverages. You can look at labels with names, such as methylparaben, ethylparaben, benzylparaben, and those ending in other parabens. This compound is like an estrogen hormone that increases the risk of breast cancer.

Other Breast Cancer Causes:

• Artificial rBST (recombinant bovine somatotropin) hormone, used to multiply milk production in cows. Therefore avoid the consumption of milk from cows that are injected with this artificial hormone.
• Tetrachloroethylene, chemical compounds in rubber, lubricants, silicones, and other industrial materials. 
• Diethylstilbestrol (DES), an artificial hormone estrogen to reduce the risk of miscarriage in pregnant women. 
• Compounds of PAHs (Polycyclic aromatic hydrocarbons), which are present in other combustible organic materials. These compounds can also be produced by roasted fish or meat.
• Polychlorinated biphenyls (PCBs) compounds, artificial compounds used in hydraulic fluid electrical appliances and lubricants that leak during discharge.
• Bisphenol A (BPA), this substance is found in household plastic materials, such as mineral water bottles, baby milk bottles, plastic tableware, and other plastic materials. To avoid it you can buy a CPA-free plastic product.

Symptoms of breast cancer

In some people often arise symptoms of breast cancer or signs before a positive mengidapnya, as follows.

• Breasts bleed (bleeding) or unusual fluid from the breast milk.
• Itching accompanied by a prolonged red rash on the nipple and surrounding areas.
• There are bumps of varying sizes which when held or pressed does not hurt.
• The breasts become swollen and the skin looks thickened.
• There is also the skin of her breasts contract or become concave.
• Putting somewhat inside or people more often say this situation with mendem.

When a series of symptoms of breast cancer or some of them occur to you, undergoing the examination and diagnostic step is important.

How to diagnose breast cancer?

• Immediately visit the doctor if symptoms occur are bumps, fluid, and unusual breast size changes occur.
• Mammogram, which detects breast changes such as abnormal density or occurrence of calcium buildup.
• Ultrasound Scan, is a method to detect on specific areas found while performing a mammogram, more to assist or optimize the results of mammogram examination detection.
• Magnetic resonance imaging (MRI), examination in this way is more effective for young women. Examination is done directly on the area of ​​suspected cancer, the result is much more specific than doing mammogram or ultrasound.
• You do not have to worry if excessive breast cancer. Better use your time to do breast cancer treatment, either by medical or traditional way. Good health is always with you.

Additional Description:

For a medical term that you do not understand can see or find its meaning in the Online Health Dictionary, please search on the Google search engine.

Article Reference:
- http://www.parkwaycancercentre.com/en/informasi-kanker/jenis-kanker/apa-itu-kanker-payudara/ 
- http://lifestyle.okezone.com/read/2014/11/02 / 481/1060037 / danger-cigarette-electric-for-health 
- http://www.mammosite.com/breast-cancer/whatis-breast-cancer.cfm 
- http://www.merdeka.com/sehat/10 -oractor-causes-cancer-breast.html 
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