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Abstrak :
For many homeowners, refinancing a mortgage can save them significant money, considerably reducing their monthly payments. It can also give them breathing space to pay off debts or allow them to make other investments, pay for college, or finance home improvements. In this essential guide, readers will learn why to refinance, when to refinance, as well as how to find the best lender, loan officer, and rate. Mortgage expert David Reed takes readers step by step through the refinance process and shows them how to evaluate their current loan program and compare it with other options.

Abstrak :
Anyone who wants to get the best deal when financing a home needs to be armed with a little insider advice. The second edition of Mortgage Confidential lets readers in on what lenders really look for before they approve a loan, options they won't often divulge, which costs they have control over, and little-known sources of down payment money. Including up-to-the-minute information on new licensing and disclosure rules and the latest eligibility requirements, the book shows readers how to: Complete the loan application to maximize their chances of approval * Steer clear of credit repair scams * Pay zero closing costs * Qualify for the lowest rates * Avoid origination charges * Determine whether paying "points" can save them money * Identify a "rip-off" loan program * Refinance-even if their equity has dropped * And more! Whether looking into securing a mortgage for the first time or seeking to refinance, Mortgage Confidential gives readers the confidence and information necessary to get through this complicated process and find the ideal loan for their needs.

Abstrak :
With mortgage stories dominating the front-page news, people - whether they're buying a new house or refinancing - increasingly have questions about the complicated issues at stake. Arranged in an easily accessible question-and-answer format, "Mortgages 101" provides readers with essential lending formulas, as well as important information on lending requirements and application procedures. This revised edition includes up-to-date material on new loan and government programs, changes to the law regarding tax deductions, down payment assistance, bankruptcy, and more - in short, all the answers readers need, in one must-have reference.

Abstrak :
The ups and downs in housing markets over the past two decades are withoutprecedent, and the costs-financial, psychological, and social-have beenenormous. Yet Americans overwhelmingly still aspire to homeownership, and many still view access to homeownership as an important ingredient for buildingwealth among historically disadvantaged groups. This timely volume reexamines the goals, risks, and rewards of homeownershipin the wake of the housing bubble and subprime lending crisis. Housing, real estate, and finance experts explore the role of government in supporting homeownership, deliber

Abstrak :
"If you're going through the process of buying a home, chances are there are questions you desperately need answers to -- right away! Luckily, The Home Buyer's Question and Answer Book gives you all the crucial information you need, in an easy-to-flip-to format you can easily consult on the run. Featuring more than 150 questions, as well as sample loan applications and other valuable resources, the book provides simple answers to fundamental (yet often daunting) questions such as: * How do I start the homebuying process? * What if I have blemishes on my credit report? * What are the different types of real estate agents and how much do they charge? * How can I ensure an accurate, productive home inspection? * What can I do to ensure a smooth closing? Taking you through the entire process, all the way from the decision to buy to post-sale responsibilities, The Home Buyer's Question and Answer Book is an essential guidebook no first-time home buyer should be without."

Abstrak :
In a perfect world, real estate agents would work only with prospective home buyers who have preapproved financing, and sellers who are fully aware of their property’s title status. In reality, Realtors can do everything right to get listings, present houses, and make deals . . . only to have them fall through at the last minute. Saving the Deal gives readers proactive tips and valuable advice that will help save them the pain and heartache -- not to mention the cost -- that comes from losing a deal.

Abstrak :
The housing market is in turmoil, but if there's a silver lining, it's the fact that purchase prices are at historic lows. Sure, there are still plenty of predatory lenders waiting to exploit the naive potential buyer, but those who do their homework will be rewarded with a fair price and manageable mortgage terms. "Decoding the New Mortgage Market" is a map to finding the best and most realistic mortgage deals while navigating past potential obstacles and traps. This book is filled with money-saving advice. Because lenders and buyers alike have gotten 'burned' in the mortgage crisis, finding and qualifying for a manageable loan may now be more difficult. Readers will find that "Decoding the New Mortgage Market" makes the search both easier and more fruitful, and that their dreams of home ownership are still within their reach.

Abstrak :
Bank yang pada hakikatnya merupakan lembaga intermediasi di mana di satu sisi ia menampung dana dari masyarakat dalam bentuk tabungan dan di sisi lain ia juga menyalurkan dana tersebut kepada masyarakat dalam bentuk kredit. Sebagai pemberi kredit, bank wajib menetapkan suatu kebijakan perkreditan agar tetap dapat memelihara keseimbangan yang tepat antara keinginan untuk memperoleh keuntungan dan menjamin lunasnya semua kredit yang disalurkan. Seperti dalam ketentuan pasal 8 Undang-undang perbankan disebutkan bahwa bank dalam memberikan kreditnya wajib mempunyai keyakinan berdasarkan analisis yang mendalam atas itikad baik dan kemampuan serta kesanggupan nasabah debitur untuk melunasi hutangnya. Dalam hal tersebut, pihak bank telah mensyaratkan adanya jaminan yang mempunyai bentuk yang baik yang biasanya berbentuk agunan, ini dilakukan karena kredit yang diberikan oleh bank mengandung resiko. Tetapi saat ini beberapa bank telah berani untuk memberikan kredit tanpa menggunakan agunan. Keadaan ini dipicu oleh situasi perekonomian di Indonesia yang hingga kini belum menentu, sehingga perbankan kini mulai melirik ke sektor konsumsi. Bank BRI sebagai salah satu bank terbesar di indonesia juga mengeluarkan produk kredit individual tanpa agunan yang dikhususkan kepada para pegawai yang berpenghasilan tetap yang bernama KRETAP (Kredit kepada pegawai berpenghasilan tetap). Walaupun dalam pemberian kredit semacam ini mengandung resiko yang cukup besar, tetapi bank BRI telah mempersiapkan pagar-pagar hukum yang cukup kuat untuk diberikan kepada nasabahnya dengan penyeleksian yang ketat terhadap calon nasabahnya dengan berpedoman pada prinsip 2P dari prinsip 5P yaitu character dan capacity dan salah satunya dengan diasuransikannya kredit tersebut dalam hal nasabah tersebut meninggal. Dengan demikian dapat diminimalisir resiko terjadinya kredit macet dari pemberian kredit individual tanpa agunan.