A simple way to get approved by AJB Pawning

A simple way to get approved by AJB Pawning

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The Certificate of Sale and Purchase Deed or AJB is a binding record between the seller and the buyer of the property before the Land Deed Making Officer (PPAT). The status of the AJB itself is only as proof of the transfer of the purchase of property.

Because of its status as proof of purchase, not as strong evidence of ownership in the eyes of the law, many people wonder if AJB can be paid or as guarantees for credit to the bank.

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If you plan to pawn AJB to a bank or other financial institution, this can be done, but with several conditions that must be met, such as having complete documents, the ratio of the salary to the nominal amount of the loan is approved , good BI. verification and a good location of house/property.

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Well, for those of you who are currently planning to pawn AB, here are some ways you can do it.

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Documents required for the AJB mortgage

When you apply for the AJB pawn, there are several things to do, one of which is to prepare several documents, such as:

  • Photocopy of the identity card
  • Copy of family card
  • Copy of Marriage Certificate (if married)
  • Copy of TIN
  • Letter of reference
  • Salary slip
  • Deed of sale and purchase
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Pawn AJB to the Bank

So can banks accept AJB as collateral? The answer is yes, because in reality some banks still accept AJB to be used as guarantees. Examples include Danamon, CIMB Niaga, BPR (People’s Credit Bank), BRI, BRI Syariah and BCA.

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The AJB Pawning method at the Bank itself is quite simple, the applicant just comes to the bank office, fills out a credit application form, presents the necessary documents. After that, the bank will analyze the file you have provided, the bank will also check BI, site surveys and interviews with the debtor. If you pass, the credit request will be accepted, the credit request process at the bank itself is carried out for 14 working days.

The location of the house that is pledged as collateral must also be good, because the bank usually does not accept houses / properties that are in places prone to disasters, or houses that have a narrow road ROW.

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The Advantages of AJB Pawns

Many people choose to pawn AJB, of course, because the pawn has a number of advantages, namely:

  1. Easy application process
  2. The requirements to apply are easy
  3. It can be paid at any time / in advance