Surat Keterangan Belum Menikah, also known as SKBM, is a certificate that proves an individual’s marital status. It is required for anyone who wants to apply for a property loan (KPR) in Indonesia. This document is important because it ensures that the borrower is not married and has no other financial obligations that could affect their ability to repay the loan.
What is KPR?
Kredit Pemilikan Rumah, or KPR, is a type of loan that is used to finance the purchase of a property. It is one of the most popular and affordable ways to own a home in Indonesia. KPR loans are offered by banks and other financial institutions, and they typically have lower interest rates and longer repayment terms than other types of loans.
Why is SKBM Important for KPR?
The SKBM is an important requirement for KPR because it ensures that the borrower is not married and has no other financial obligations that could affect their ability to repay the loan. If a borrower is married, they may have other financial obligations such as supporting their spouse and children, which could affect their ability to repay the loan. Banks and other financial institutions require the SKBM to minimize their risk and ensure that the borrower can repay the loan.
How to Obtain an SKBM
To obtain an SKBM, an individual needs to visit the local civil registration office (Dinas Kependudukan dan Pencatatan Sipil) in their area. They will need to bring their identity card (KTP) and proof of their single status, such as a birth certificate or a statement from their parents. The civil registration office will issue the SKBM once the individual’s single status has been verified.
Validity of SKBM
The SKBM is valid for six months from the date of issue. This means that borrowers need to ensure that their SKBM is still valid when they apply for a KPR loan. If the SKBM has expired, the borrower will need to obtain a new one from the civil registration office.
Conclusion
The SKBM is an important requirement for anyone who wants to apply for a KPR loan in Indonesia. It ensures that the borrower is not married and has no other financial obligations that could affect their ability to repay the loan. To obtain an SKBM, an individual needs to visit the local civil registration office in their area and provide proof of their single status. Borrowers need to ensure that their SKBM is still valid when they apply for a KPR loan.
