PROPERTY BUSINESS PROPOSAL

Created by

Fitri Megasari Utami

Business Plan
Development in the world of property and housing development growing rapidly
every year thus creating the business opportunities, buy and sell homes and
property. Almost every day there are looking for a home, whether for rent or buy
and sell systems for place of business nor residence. It makes increasingly open an
effort breadth and selling the home to do business in the field of property. Business
which are able to produce this large turnover can be done without the budget and
do not require a special place and able to give high commissions to a broker or
property contractors.

Description
Investment in property is still the main choice for most people, because people
assumed that it is the one of the best ways to develop the money. In general
property investment are considered more secure than other types of investment.
Therefore we have to be the master or manage our own investment, so we can
control it almost everything. But this is not only the advantage in property business,
because the most interesting fact of the investment at this property is allows you to
use other peoples money to start investing.
Most other investment product are heavily influenced by external factors. For
example, prices on the stock exchange can be up and down quickly due to the
significant issues or even rumor about politics, government policy, state security,
economic conditions, or like bonds whose price down as inflation rate and interest
rate increase. Comparison of properties although also affected the outside factors.
But the changes are not too fast, for example, home prices surely could not be
change in a day but month even yearly.

The Association of Real Estate Indonesia (REI) estimates the property business in
Indonesia to grow 20-30 percent this year. Therefore investment properties still
have a bright future.
To start the property business most people buy the auction house nowadays. Buying
an action house can often provide the advantage for buyer because the price
obtained from auction house usually cheaper but can resold same with the market
value even higher than market value.
Due to the growing bolder House prices soar, not a few people who bought the
auction house bank compete, it is cheaper, and of course profitable. Bank auction
house was the home belonging to the debtor bank that offered for auction because
the debtor failed to pay off the bank loan repayments.
For example Mr. X bought the House with MORTGAGE through the State Savings
Bank (BTN) with a 15-year installment. However, after paying off the down payment
(DP) or advance and credit until the third year, his business collapsed. The result, he
trouble paying the remaining installments aka going bad credit.
Well, in this case, BTN will take over the House for the auctioned to pay off the
mortgage was paid Mr. X. Because DP already paid off their mortgage and some
paid by Mr. X, house prices are becoming cheaper. In addition, banks need funds
immediately so that the velocity of money in the bank smoothly, so the limit houses
auctioned can be pressed as low as possible so that it is easily sold.
We can start our own property business from our home with a little bit of budget.
From this humble start we can go on to make some serious money as well as build
our reputation as a master property dealer. We can quickly become quite successful
and wealthy if we go about doing things the right way.

Executive Summary
PT

Bank Tabungan Negara (Persero) Tbk. (BTN) ((The State Savings Bank)

(company) Public)) as the biggest bank in home loan financing (KPR) in Indonesia,
gains international recognition from the Global Banking and Finance Review
Magazine for the Best Investor Service category in Indonesia.2011.

I would like to take this opportunity to start the business of property with
perseverance and knowledge about buy and sell the house property through bank
auction house. I really exciting to start this business because I have relation with
people who working in State Saving Bank of Indonesia (BTN), so that I will get the
information once there is available for the auction house which has make sure the
legal, strategic and can be resold to obtain a much higher value
The question now, is it safe to buy the auction house? Bank auction has legal basis, so that
security is guaranteed. But there are number of things we have to consider before buying a
bank auction house so that they do not lose:
1. Make sure the letter
Even if the bank had confirmed the documents completeness the auction house, we have to
double check. Document that must be checked include the building permit (IMB), a
certificate of land and house, as well a property tax.
2. Go directly to home location
Bank will offer the auction house through the mass media or information in their offices. This
information always contains the address details and the condition of the house. Make sure
there is a connection of electricity, water and telephone so that we do not need to install a
new one.
We can directly go to the house to see his condition. Therefore, there is also the auction
house already cluttered or not livable, so we have to renovate it first. In fact, there is also
the original owner of the house was unwilling to release so prone to disputes in the future.
3. Check the condition of the home
In addition to seeing his own condition of the house, we also have to ask to the bank's
history. Horrified, too, right, if we buy cheap but the auction house used to be the location of
the murder (God forbid)? If necessary, search for information directly from the original owner
of the house or the neighbors.
4. Understand the related documents
Before concentrate to buy the auction house bank, learn first credit agreement (PK) and a
deed granting a security interest (APHT). Documents that regulate bank auctions agreement
with the owner of the house. If there is already an agreement in black and white between
the bank and the owner of the house, meaning that the auction house is secured.

Vision and Mission Statement of Investment

Understanding of investment is planting the money or in a company or a project for
the purpose of obtaining a profit. Investments can be defined as well also buy
something of the high value or an asset which can later be resold to obtain with
much higher value.
With this investment I believe that we could obtain the higher advantage than the
other business. Real estate cannot be lost or stolen, nor can it be carried away.
Purchase with common sense, paid in full, and manage with reasonable care, it is
about the safest investment in the world.

Product
To get a bank auction house, there are procedures and rules to be followed. Auction
houses are usually carried out by the State Property Office and Auction (KPKNL) or
private parties designated bank.
Here is the stage of the auction house purchases bank:
1. Register to KPKNL or private parties designated bank.
2. Paying guarantee 30-50 percent of the auction price. If we do not win the auction,
the guarantee money would be refundable
3. If the winning auction, the cost must be paid within 5 working days.
Once the auction house become our property we could resold again with higher
value.

Strategy Market Plan

In this world there is no price down except matters relating to economic macro
conditions but can be 99% certain that properties prices would rise.
Property taxes in Indonesia increased steadily every year. Systematically, if we buy
a house and sold in the next year for sure we obtain the profit from it. Although

people knows about this matter but not everybody take this opportunity as their
business.
The Strategy Market as following:
1. Property marketing via online
Currently the property via online marketing is not something familiar, even though
online is way more chosen by the seller property, as well as facilitate also greatly
save time and can reach all consumers in various places.
Through online media we can inform our product line or banner advertising on other
online sites, to share information about developments in the real estate business
online forums.

2. Take advantage of the Promotion The media is all around us

Marketing our property could Promoting through several media and
activities that are familiar in the community. We can go for promotion
through advertising in mass media such as newspapers, tabloids,
magazines and radio or even daily bulletin.
3. Pay attention to product quality Property
Keep all your attention to the quality of the property, ranging from small things like
the cleanliness of the surrounding environment, as well as the lighting of factors
surrounding natural scenery, completeness legal document (building permits), as
well as a guarantee of comfort and safety for the occupants.
4. Marketing Strategy Open House
System property open house marketing strategy is useful for creating confidence to
consumers. This is so that consumers are more interested to visit the residential
location offered before they finally decided to buy the property products
5. Provide Flexible Hours Services Consumer

At last property marketing strategy in this article is that we provide a space large
transactions, putting the interests of buyers willing to conduct transactions at any
time or willingness to follow our customers.

Cost Involve
To buy a property in Indonesia is not difficult, as long as we have the funds
available. It does not matter whether we buy a house from the auction or buy a new
one, but the way we manage all of them and the chance of the advantage from
resold is the most important thing.
To buy an auction house, there are rules to be followed as funding:
1. There are available the auction houses to be sell by bank, but depending the
location and home condition and of course this is also depending the budget we
have.
2. Money guaranteed has to be ready 30-50%
Example: We get an information that there is a house to be sell by bank with price
25000$. Once we get the information regarding this, we have to pay the money
guarantee 30-50%
*25000$ / 30-50% is 7500$
When we do the transaction of money guarantee from the auction house and get it,
what we do only need to pay the rest of the price from the house.
3. The bank will process the ownership of the house according the explanation as
above mentioned. There is funding to be pay such as property tax, tax on
acquisition of land and building (BPHTB) 5%, Sale and purchase deed (AJB), Transfer
duties (BBN), insurance, Etc.
4. Funding renovate the house after become our property need to be ready.

Conclusion
With this method to develop the money, the investment of the business property is
one of the best way. All depending how we really manage this business and taking

care of this business as well. For property business it does not mean there are no
risks, we still can do the best thing with learn more by read or join in the property
business forum, or can be done with very diligently to prevent the unwanted risk.
Hopefully, we will be a successful and we will have bright future ^_^