Jakarta, CNBC Indonesia – Wulan Guritno's ex-lover, Sabda Ahessa, has recently become the focus of attention again due to a civil lawsuit regarding the house renovation bailout.
As is known, Wulan filed a civil lawsuit with case number 5/Pdt.GS/2024/PN JKT.SEL. In the lawsuit, there is a fee of IDR 396,150,000 which Wulan Guritno gave to Sabda Ahessa as bailout funds for house renovations.
Reporting from detik, Wulan Guritno has submitted several requests to Sabda since mid-2023. However, because Sabda itself was deemed not to provide clarity, Wulan filed a lawsuit.
Wulan's attorney, Ficky Fernando, has also said that Sabda understands the consequences of this.
“Essentially, we have charged according to the time period that Sabda has committed to, Sabda wanted this month to be okay, we withdrew, there was no news, suddenly it was postponed again because there was no clarity on the settlement,” said Ficky Fernando.
Apart from the bailout funds, detik also reported that Wulan also asked for compensation of IDR 100 million, and there was also a lawsuit for forced money or interest of IDR 10 million per day if Sabda experienced delays.
Learning from Sabda's case, borrowing money individually, whether from a boyfriend, relative or friend, can indeed cause quite complicated problems. And this can be very detrimental to both parties, both the debtor and the debtor in the future.
House renovation funds themselves are not cheap. However, there are still several ways that can be taken to obtain sources of funds, either with interest or without interest and certainly not involving those closest to you. Curious? Here's the review.
Multipurpose Credit
Multipurpose credit is a financing product commonly offered by financial institutions. The requirements for this credit are collateral or asset security that the debtor must submit to the credit provider.
The loan amount will of course be adjusted to the value of the assets guaranteed. And for house renovation matters, someone can guarantee the Motor Vehicle Ownership Book (BPKB) or the house certificate itself.
With guarantees in the form of these documents, you can of course still utilize the assets you own and get fresh funds.
Because of the collateral, the interest burden on this credit is often considered lighter than other loans.
Top up KPR
This method is intended for those who have home ownership credit (KPR) installments. Top up is defined as “filling in funds.”
However, if the context is a mortgage, then the additional funds are your credit loan debt. It's just that the additional debt will be given in the form of cash, you can obviously use this facility either for renovations or other needs.
Just like multipurpose credit, the collateral for this credit is the house that you are still paying in installments. The advantage is of course the speed in disbursing funds.
Unsecured Credit
Don't want to pledge assets for fresh funds? You can apply for unsecured credit (KTA) from a bank or other lending institution.
In terms of procedures, KTA is indeed the simplest, but of course KTA interest will be heavier than multipurpose because the risk of this type of financing is also considered quite high by banks.
No need to borrow funds, just plan the renovation
This method can be said to be the wisest method compared to applying for a loan. It's just that someone has to be more patient because everything can be done because of the financial strength of the person concerned.
You can determine the time when the house renovation will be carried out and how much the estimated cost will be. If these two things can be answered, then the next step is to save regularly every week or month to realize that goal.
The more money you allocate for home renovation savings, the faster the funds will be collected within the specified time.
[Gambas:Video CNBC]
(aak/aak)