The document provides information on various real estate and financial topics in Indonesia, including tips to avoid foreclosure, how to buy or sell short sale homes, how to purchase bank-owned properties, government assistance programs for home buyers, ways to lower mortgage payments, and methods for improving one's credit score.

1. REAL ESTATE DI DALAM “BAIL OUT” Tips and tools for navigating today’s economy

6. BYMBA Statistic

10. Short Sale Properties DEFINITION A real property sales transaction wherein the seller’s mortgage lender agrees to accept a loan payoff of less than what is owed.

14. Short Sale Process

28. Below Market Rate Units (BMR)

31. DALP Income Limits Household Size 1 2 3 4 5 6 7 80% AMI $52,800 $60,350 $67,900 $75,450 $81,500 $87,500 $93,550 90% AMI $59,400 $67,900 $76,350 $84,850 $91,650 $98,450 $105,250 100% AMI $66,000 $75,450 $84,850 $94,300 $101,850 $109.400 $116,950 110% AMI $72,600 $83,000 $93,350 $103,750 $112,050 $120,350 $128,650 120% AMI $79,200 $90,550 $101,800 $113,150 $122,200 $131,300 $140,350

32. Maximum Loan Limits Maximum DALP loan amount is up to $150,000 or 30% of purchase price whichever is less. The loan amount will be determined based on the applicant’s income, assets, size of household and debt to income ratio Purchase Price capped at $625,000 Loan must be 30 years fixed, fully amortizing Household Income 80% AMI and under 81%-90% 91% - 100% 101%-110% 111% - 120% Subsidy Up to $150,000 Up to $135,000 Up to $120,000 Up to $105,000 Up to $90,000

33. Next Steps

34. List of Approved Housing Counseling Agencies Asian, Inc. www.asianinc.org Mission Economic Development Association (MEDA) www.medasf.org San Francisco Consumer Credit Counseling Service of San Francisco (CCCSF) www.housingeducation.org San Francisco Housing Development Corporation (SFHDC) www.sfhdc.org San Francisco Urban Community Housing Corporation (SF Urban CHC) www.sfurbanchc.org

45. Income Limit Size of Household Non-Targeted Area Targeted Area For 2 persons $ 135,720 $ 135.720 3 or More $ 158.340 $ 158.340

46. Purchase Price Limit Type of Property Non-Targeted Area Targeted Area Existing Home 696,118 850,810 New Home 601,950 735,716

47. Example of Reduce the Interest Rate 4.58% 5.75% Effective Interest Rate $1,535.09 $1,750.72 Effective Monthly Mortgage Payment $215.63 N/A Monthly Credit Amount 15% N/A MCC Rate $1,437.50 $1,437.50 Interest $313.22 $313.22 Monthly Mortgage Payment Principal 30 30 Term 5.75% 5.75% Mortgage Interest Rate $300,000 $300,000 First Mortgage Amount With MCC Without MCC Effective Interest Rate

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67. FIVE LAWS THAT ALLOW US TO PROTECT OUR CREDIT

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