10 Ways to Pawn a House Certificate for 1 Liquid Day, See Here

Rancakmedia.com – Applying for a loan can be done in various ways, so here we will provide 10 how to pawn a house certificate without any hassle, it only takes one day, to find out the information, please read this article until it's finished.

Pledge of a house certificate is the act of borrowing money using a house certificate as collateral. The home owner will provide a house certificate to the bank or other financial institution as collateral for the loan received.

If the borrower is unable to repay the loan in accordance with the agreement, then the bank or financial institution has the right to sell the house to get the funds that have been lent.

Pledge of house certificates is usually used to obtain large amounts of funds and has a relatively long repayment period.

How to Pawn Home Certificates Without the Hassle

What are the things that need to be considered when the house certificate is mortgaged so that it can be disbursed without a survey and one day?

One of the most common is to guarantee the house. Pawnshops, such as banks, multifinance businesses, cooperatives or other financial institutions, have been given certificates.

How to Pawn Home Certificates Without the Hassle

Here's how to pawn a house certificate without the hassle that you need to know, including:

1. Type House Certificate

The type of certificate is a key element in selecting credit for loan applications with home certificates mortgaged by banks and financial institutions.

Certificate of ownership is a type of certificate of choice (SHM). Due to the clear ownership status of this type of certificate.

SHM owners have full power over land and buildings, the value and position are bigger and stronger than other certificates.

Meanwhile, the building use rights certificate contains deficiencies, namely:

The HGB holder may not have the full right to change or transfer the function of the building without prior approval and approval from the land owner as the HGB provider, but only for a period of 30 years and can be extended up to 20 years.

2. Certificate Name (Not Own Name, Parents)

The future borrower must be named on the certificate. A different name will generally make it difficult to accept a credit application from a bank between the certificate and the applicant.

It is thus more difficult to apply for a home certificate mortgage in your parents' name than it is in your own name or a mortgage.

Recommended House Certificate Pawn Place

This can be done if the mortgage certificate of the house is not in your name or if the mortgage is in the name of your parents:

  1. Transfer of title – Change the name of the certificate to the name of the prospective borrower.
  2. Power of Attorney – Draw up a power of attorney to explain that the certificate of liability belongs to the prospective contractor. Also include the deed of sale and purchase (AJB), proof of receipt and other documentation as supporting letters which show that a sale and purchase process has taken place.
  3. AJB Pawn – AJB Pawn. Some financial institutions agree to pawn AJB (certificate of sale and purchase) even though the deed is still in someone else's name.
  4. Seek proof of acceptance from a financial institution on behalf of another person. Not many adhere to it, but usually there are finance companies or BPRs.

3. Warranty Assessment Value

Lenders, such as banks, will carry out an assessment or evaluation of the house that is used as collateral.

The findings of this valuation provide the basis for the loan value. The greater the home appraisal value, the greater the loan limit that can be disbursed.

The loan limit value is usually 70 to 80 percent of the value of the house to be mortgaged. For example, if the result of the valuation is IDR 1 billion, the value of the loan to IDR 800 million is IDR 700 million.

It is important to remember that as a consequence the bank's valuation refers to the collateral value of the house. Not the value of the house submitted by the prospective borrower.

One of the key elements that determine the valuation of a house is its location.

If the home is located in a place prone to flooding near an Extra High Voltage Overlay (SUTET), near a cemetery or in a small alley, the mortgage on the certificate will likely be cancelled, or the value will be substantially higher. below market value.

4. Pawn in Trusted Places

Many banks or financial institutions provide mortgage-secured home certificate credit funds. These offers are often sent via SMS or WA communication.

Type House Certificate

P2P Cooperative Lending Bank Multifinance Pegadaian. However, make sure the legality and licensing of the lending organization are confirmed before choosing to make a loan.

Apart from preventing fraud, the agency's legality is to guarantee that the papers on the residence certificate are not copied for fraud. Lately, there have been many counterfeiting of house certificates due to misuse of original house certificates.

Make sure the selected bank or financial institution is registered and supervised by the Financial Services Authority (OJK) to make it safer.

Borrowers can check the legality and licensing of institutions that offer housing certificate mortgages on the OJK website.

5. Payment Ability

Even if you own a house that you can use as a mortgage to apply for a loan, the most important criterion is to guarantee that you can pay your bonds on time.

The most important criterion when qualifying for a loan is the ability to pay. Make sure that we can pay the existing income.

The simplest and most frequently used criterion for measuring debt repayment is a maximum of 30 percent of monthly income for the amount of each monthly payment obligation. Remember, all obligations are important, not just credit that will be received.

If the amount is greater than 30 percent after calculation, we must be careful about receiving further loans. Make sure the loan does not represent financial difficulties.

6. Survey, Disbursement Process

The survey process is carried out by banks, cooperatives or financial businesses.

The aims of the survey are:

  1. Check the home of the prospective borrower
  2. Assess the warranty conditions
    assess the payment capacity of the applicant
  3. Sooner or later, the survey findings will depend on: the completeness of data in each institution of the prospective borrower and internal procedures.

Other survey procedures may take 1 day, while some may take longer. It depends on the issues to be checked and the extent to which they are carried out.

Certificate Name

The survey process also ensures that the loan application criteria are met, namely:

  1. Indonesian people
  2. 21-60 years old and not married, married or divorced
  3. Own home status, wife, family, annual contract
  4. Occupation: Employee (minimum 2 years) Entrepreneur (minimum 2 years)

In addition to these criteria, the bank will ask for various kinds of letters including:

  1. KTP, Family Card, Marriage/Divorce Certificate Credit Application Form
    Applicant & Spouse's recent photo
  2. Original Slip or Income Statement Letter Last Decree of Appointment with BTN/Other Bank at least the last 3 months for permanent employees Savings/Giro
  3. Application for SPT PPh PS 21 credit for loans from >50 million to 100 million NPWP >100 million Company Establishment Deed, changes, SIUP, TDP & SITU Copy of SHM/SHGB/IMB
  4. Credit analysis and disbursement options can be taken as soon as 1 day after the survey process is complete but usually takes more than 1 day. Once again, each institution determines the speed of disbursement based on the completeness of the data and the criteria.

7. Check OJK BI SLIK records

During credit analysis, banks and lending institutions verify the borrower's credit record in BI Checks or OJK SLIK. BI Checking and SLIK are databases maintained in Indonesia by BI and OJK that keep credit records from parties who have received or are currently receiving credit.

The information that banks look at is if future borrowers have years of poor credit history, such as defaults, defaults or late payments.

A bad SLIK BI or OJK credit record will often make banks apply for loans. Even though the borrower already has a mortgage guarantee certificate, the borrower's credit record is more important to determine whether the loan is valid or not.

Those wishing to apply for loans from banks and other financial organizations must have a strong credit record BI Checking. Try not to pay late payments or not.

8. Loan interest rates

In general, interest rates on home loans are lower than loans without collateral such as KTA loans or internet loans.

The presence of mortgaged home certificates reduces the credit risk to bank default. People tend not to want to confiscate their house collateral and sell it on time.

Warranty Assessment Value

It is very important to determine the loan interest rate with an effective interest calculation technique. Effective interest more accurately represents the main remaining loan obligation.

The problem is, certain financial institutions often provide low interest rates (not effective interest rates) to reduce interest rates.

We need to convert fixed interest to effective interest to get a true picture of how much interest we owe. The effective interest is usually 2 times the fixed interest.

9. Notary Fees and Other Fees

Because it includes a housing guarantee, it must be binding on the bank and financial organization. The purpose of binding collateral is to ensure that houses that are pledged to other parties are not pledged as collateral.

The notary must carry out the collateral binding process. The result is an additional fee for the notary. The borrower must consider this cost, because it is the borrower's obligation.

The amount of this fee is also very high, therefore it is better if the borrower asks for information from the start to prepare from the start.

10. Ensure Execution

When guaranteeing a house to take a loan, we must be prepared to ensure that the house guarantee can be executed by the lender if the payment is in arrears.

The lender has the right, when the borrower defaults or defaults, to seize and sell the collateral. These terms and conditions are stated in the credit agreement.

The guarantee implementation procedure is of course the last step taken by a creditor when previous efforts have failed. It is not necessarily unpaid and the house guarantee is executed.

Recommended House Certificate Pawn Place

Below we have summarized safe places to use for those of you who pawn house certificates, including:

Pawn in Trusted Places

1. Pawn shops

One of the ways to pawn a caik 1-day house certificate without BI checking is through pawnshop.

As you all know, a Pawnshop is a place to pawn goods, through a pawn shop you can pawn a house certificate quickly.

To pawn a house certificate, there are conditions that you need to fulfill, as follows:

  1. Have proof of last PBB payment
  2. The house certificate has been proven authentic
  3. IMB
  4. Have a Business Certificate or SKU
  5. Photocopy of KTP and marriage certificate
  6. The minimum age limit is 21 years and the maximum age is 64 years

If you have completely met the requirements, you can pawn your house certificate safely and quickly at the Pawnshop in the following way:

Go to the nearest pawnshop and bring the necessary documents
The pawn shop will determine the selling price
Funds will be disbursed within 1 to 5 days

2. Banks

The second place that you can use to pawn a house certificate is a bank.

You can get a cash disbursement of 80% to 90% from the house appraisal value.

There are conditions that you need to meet to pawn a house certificate, namely:

  1. Have a fixed salary from a company
  2. It is proven that genuine Indonesian Citizens (WNI).
  3. Photocopy of KTP, KK, NPWP, salary slip, savings book, and marriage certificate (if you have one)

You need to know that these terms and conditions can change according to the bank you choose.

3. Institutions

The next way that you can use to pawn a house certificate with low interest is through an institution.

At present there are many institutions that provide pawning of goods and have been registered with the Financial Services Authority or OJK. One of the institutions that is safe and has been registered with the OJK is BFI Finance.

Payment Capabilities

As is the case with the others, there are conditions that you need to meet in order to pawn a house certificate without a survey, namely:

  1. Minimum age of 21 years to a maximum of 60 years
  2. Indonesian Citizen (WNI)
  3. Own house
  4. Houses are in clusters, settlements, or complexes
  5. Not in a narrow alley, at least 1 car can pass
  6. Complete important documents such as KPT, salary slip, PBB, NPWP, and KK

4. Multi Finance

There are lots of multi-finance companies in Indonesia that accept pawn certificates for houses. Well-known Multi Finance such as FIF, Adira, BFI, WOM, KreditPlus, and Baf Finance.

The advantages of Multi Finance are that there are many choices, the process is fast, the downside is high interest and the billing process is very strict.

As an example, BFI Finance provides financing for house certificate guarantees starting from 70,000,000 Rupiah.

Interest rates start from 1.31 TP2T flat per month with tenors of 12-84 months (employees) and tenors of 12-60 months (self-employed).

There are requirements that you need to fulfill before pawning your certificate at BFI Finance, as follows

  1. Indonesian Citizen (WNI)
  2. Minimum age 21 to maximum age 60 years
  3. Status of residence own home, spouse, family, annual contract
  4. Minimum 2 years permanent employee profession and 2 years self-employed

5. Cooperative

The last place that you can use as a place to pawn a house certificate is the Savings and Loans Cooperative or KSP.

The advantage of pawning in a cooperative is that the response is fast, especially if you are familiar with the marketing, you can be assisted until the disbursement process is complete.

Payment Capabilities

Even if the marketing seems to be chasing a bonus, you can pawn it without having to survey the house you want to pawn.

But besides that, there are also disadvantages of cooperatives, if you borrow from a cooperative, you have a limited loan amount, problematic permits and very high interest.


Below we have summarized some frequently asked questions about mortgages, as follows:

1. How much can a house certificate be liquidated?

You can pawn your house certificate and get disbursement of up to 60% to meet your various finances.

2. Is it permissible to pawn house certificates on behalf of other people?

Yes, on condition that the debtor or successive person signs a power of attorney guaranteeing mortgage rights in front of the bank's own officials together with the person giving the power of attorney or the owner of the title certificate (SHM).


Pledge of a house certificate is the act of borrowing money using a house certificate as collateral. The home owner will provide a house certificate to the bank or other financial institution as collateral for the loan received.

This is information about 10 ways to pawn a house certificate for 1 liquid day, I hope the article we provide above can be useful and helpful for all of you.

Back to top button