When a person finds it difficult to sell the property, such as a house, apartment, or shop, he can still use the services of other parties, the real estate broker. Real estate broker in this case, the property will connect sellers with buyers. Vice versa, if someone wants to buy a property, the property broker will act as an intermediary to be looking for a property in accordance with the will of the buyer.
Intermediary for the sale and purchase of business property has been developed into a menggurita industry. Call it the ERA, property broker network has spread in many big cities in Indonesia. Business real estate broker also promises lucrative profits. Citing charge or fee of 2.5% of the total value of the transaction to the parties they represent, this business can bring great benefits, if the sales turnover was also great.
Venture mortgage broker or mortgage broker more or less similar to property brokers, but specialized in obtaining mortgage financing for buyers from the bank. In this case, a mortgage broker in order to connect property buyers with banks to obtain financing on the property he bought, the mortgage. Mortgage brokers are also in charge of doing some tasks of the bank, such as the collection and checking of completeness of data and documents of the credit applicant.
In countries where the property or a housing finance system has been developed and has a secondary mortgage facility (SMF), a mortgage broker can act even further by doing the analysis and approval of mortgages (mortgage underwriting process) and then through the wholesale agency to resell ( pass through) to institute SMF. Institute of SMF is then done on home loan mortgage securitization by issuing bonds to investors.
How do mortgage brokers do business?
In business, mortgage broker generally use refferal system. In this case, the mortgage broker has worked with several banks. Based on this cooperation, for any incoming loan application, mortgage broker will direct (to refer) an applicant for a particular bank in accordance with the choice of the applicant after the applicant meets all the requirements needed credit bank.
Thanks to mortgage brokers to help banks gain customers and the collection and checking of data and document requirements such mortgage, the bank will pay some fee. Generally, the fee rate is the result of negotiations with the bank, it can be in a large percentage of the mortgage amount approved or specified. Basic agreements generally agreed tariff rate adjusted to the scope of work (effort) that do mortgage brokers.
In practice in Indonesia, in addition to helping banks gain customers (marketing), the developer also generally take over the task of collecting and checking bank did persayarat mortgage documents. To perform these tasks, developers must expend considerable overhead. Not to mention, since developers have to do the work that is not a competence, so it makes the job seem less efficient.
To that end, developers can use the services of a mortgage broker to do the work and just pay a fee to the mortgage broker. Thus, developers can make savings, as well as the work becomes more efficient, because it is done by the party who is a professional in his field.
What are the benefits of mortgage brokers for banks?
As mentioned above, the bank will gain a great benefit when working with mortgage brokers, both in obtaining and in helping consumers to select customers and the collection and checking of documents. In this case, the mortgage broker acts as an agent bank marketing and help consumers select the bank.
As is known, the only bank working hours range from 08:00 to 16:00 hours. By relying on mortgage brokers who have more flexible working hours and willing to work 24 hours, then the bank will benefit most. In addition, mortgage brokers generally have salespeople (sales people) who have cultural selling (sales culture) were outstanding, as they work with the system of commission (commission based). Thus, if banks use the services of a mortgage broker to do the marketing, its effectiveness will be enormous.
What are the benefits of a mortgage broker for a developer?
For the developer, if the task has been helping banks to process mortgage applications administration, such as the collection and checking of documents mortgage terms, the better the task was transferred to another party (outsourcing), the mortgage broker. Thus, developers can perform overhead efficiencies and cost savings. In addition, developers can focus more on doing housing development and marketing which is becoming a major task.
What also needs to be realized, by working together with mortgage brokers, developers do not need to think about looking for sources of financing for potential buyers. With the help of mortgage brokers who generally have cooperation with many banks, the task of finding a bank that will help home buyers buy a home that will be built to obtain a mortgage, it becomes much easier.
What are the benefits for the mortgage broker?
Benefits for the mortgage broker is very large. In addition to helping people obtain mortgages for buying a home, mortgage brokers can also help people choose a bank that wishes. This is different, if the community is directly related to the bank or the developer.
Why is that? Because mortgage brokers usually have cooperation with many banks, so as to give many options to the customers who come to him. In addition, a deep understanding of the mortgage broker to mortgage and mortgage requirements of many banks, mortgage brokers making better able to provide appropriate advice to the public to choose the bank rather than the developer.
With flexible hours and are not bound to remain in office at any time, as well as a bank officer, then the officer mortgage broker also has more time to be dedicated to the consumer. Thus, if desired consumers do not need to go to a mortgage broker's office, but quite officer mortgage broker who will come to the consumer.
How the mortgage broker business opportunities in the future?
As a new business, mortgage brokers have a good chance to develop into its own industry. Today, with the intense competition between banks for mortgage market, the presence of mortgage brokers as a marketing agent bank will be required.
Looking ahead to the presence of SMF in Indonesia, mortgage broker business will gain a stronger again in Indonesia. Please remember, in the United States, commercial banks have only a contribution of approximately 20% of the total loan disbursed in the superpower each year, the remaining 80% are distributed by a mortgage broker and a mortgage company.
Intermediary for the sale and purchase of business property has been developed into a menggurita industry. Call it the ERA, property broker network has spread in many big cities in Indonesia. Business real estate broker also promises lucrative profits. Citing charge or fee of 2.5% of the total value of the transaction to the parties they represent, this business can bring great benefits, if the sales turnover was also great.
Venture mortgage broker or mortgage broker more or less similar to property brokers, but specialized in obtaining mortgage financing for buyers from the bank. In this case, a mortgage broker in order to connect property buyers with banks to obtain financing on the property he bought, the mortgage. Mortgage brokers are also in charge of doing some tasks of the bank, such as the collection and checking of completeness of data and documents of the credit applicant.
In countries where the property or a housing finance system has been developed and has a secondary mortgage facility (SMF), a mortgage broker can act even further by doing the analysis and approval of mortgages (mortgage underwriting process) and then through the wholesale agency to resell ( pass through) to institute SMF. Institute of SMF is then done on home loan mortgage securitization by issuing bonds to investors.
How do mortgage brokers do business?
In business, mortgage broker generally use refferal system. In this case, the mortgage broker has worked with several banks. Based on this cooperation, for any incoming loan application, mortgage broker will direct (to refer) an applicant for a particular bank in accordance with the choice of the applicant after the applicant meets all the requirements needed credit bank.
Thanks to mortgage brokers to help banks gain customers and the collection and checking of data and document requirements such mortgage, the bank will pay some fee. Generally, the fee rate is the result of negotiations with the bank, it can be in a large percentage of the mortgage amount approved or specified. Basic agreements generally agreed tariff rate adjusted to the scope of work (effort) that do mortgage brokers.
In practice in Indonesia, in addition to helping banks gain customers (marketing), the developer also generally take over the task of collecting and checking bank did persayarat mortgage documents. To perform these tasks, developers must expend considerable overhead. Not to mention, since developers have to do the work that is not a competence, so it makes the job seem less efficient.
To that end, developers can use the services of a mortgage broker to do the work and just pay a fee to the mortgage broker. Thus, developers can make savings, as well as the work becomes more efficient, because it is done by the party who is a professional in his field.
What are the benefits of mortgage brokers for banks?
As mentioned above, the bank will gain a great benefit when working with mortgage brokers, both in obtaining and in helping consumers to select customers and the collection and checking of documents. In this case, the mortgage broker acts as an agent bank marketing and help consumers select the bank.
As is known, the only bank working hours range from 08:00 to 16:00 hours. By relying on mortgage brokers who have more flexible working hours and willing to work 24 hours, then the bank will benefit most. In addition, mortgage brokers generally have salespeople (sales people) who have cultural selling (sales culture) were outstanding, as they work with the system of commission (commission based). Thus, if banks use the services of a mortgage broker to do the marketing, its effectiveness will be enormous.
What are the benefits of a mortgage broker for a developer?
For the developer, if the task has been helping banks to process mortgage applications administration, such as the collection and checking of documents mortgage terms, the better the task was transferred to another party (outsourcing), the mortgage broker. Thus, developers can perform overhead efficiencies and cost savings. In addition, developers can focus more on doing housing development and marketing which is becoming a major task.
What also needs to be realized, by working together with mortgage brokers, developers do not need to think about looking for sources of financing for potential buyers. With the help of mortgage brokers who generally have cooperation with many banks, the task of finding a bank that will help home buyers buy a home that will be built to obtain a mortgage, it becomes much easier.
What are the benefits for the mortgage broker?
Benefits for the mortgage broker is very large. In addition to helping people obtain mortgages for buying a home, mortgage brokers can also help people choose a bank that wishes. This is different, if the community is directly related to the bank or the developer.
Why is that? Because mortgage brokers usually have cooperation with many banks, so as to give many options to the customers who come to him. In addition, a deep understanding of the mortgage broker to mortgage and mortgage requirements of many banks, mortgage brokers making better able to provide appropriate advice to the public to choose the bank rather than the developer.
With flexible hours and are not bound to remain in office at any time, as well as a bank officer, then the officer mortgage broker also has more time to be dedicated to the consumer. Thus, if desired consumers do not need to go to a mortgage broker's office, but quite officer mortgage broker who will come to the consumer.
How the mortgage broker business opportunities in the future?
As a new business, mortgage brokers have a good chance to develop into its own industry. Today, with the intense competition between banks for mortgage market, the presence of mortgage brokers as a marketing agent bank will be required.
Looking ahead to the presence of SMF in Indonesia, mortgage broker business will gain a stronger again in Indonesia. Please remember, in the United States, commercial banks have only a contribution of approximately 20% of the total loan disbursed in the superpower each year, the remaining 80% are distributed by a mortgage broker and a mortgage company.
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