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Mulai bulan Agustus 2020 ini, ada 15 bank di Indonesia yang menawarkan suku bunga KPR yang bervariasi. Ada suku bunga yang rendah ada pula yang sedang. Buat kamu yang berencana untuk membeli rumah dengan sistem KPR, tentu nggak boleh kelewatan momen ini.
Sayangnya di beberapa lokasi favorit sering terjadi kenaikan harga rumah per tiga bulan sekali. Nah supaya kamu nggak terjebak harga selangit dengan sistem KPR yang kurang menguntungkanmu, coba simak artikel ini sampai tuntas ya. Tetapi khusus kali ini, yuk bahas bersama-sama 6 bunga KPR Bank di Indonesia yang menjanjikan.
Jenis-jenis Bunga KPR Bank di Indonesia
Sebelum tahu bunga KPR bank di Indonesia secara lebih detail, kamu wajib paham tentang jenis-jenis KPR Bank di Indonesia.
Baca juga: 6 Marketplace Properti di Indonesia
Suku bunga KPR bank di Indonesia ada 3 jenis yaitu bunga tetap, bunga mengambang dan bunga capped. Meskipun akan dijelaskan oleh bank, kamu perlu mencari tahu gambaran umum dari masing-masing bunga KPR bank tersebut.
1. Bunga Tetap (Fixed Rate)
Sesuai dengan namanya, fixed rate merupakan jenis suku bunga yang angkanya nggak berubah selama periode kredit. Jadi sedari awal angka suku bunga tidak akan mengalami kenaikan. Misalnya jika bank sudah menetapkan suku bunga sebesar 7%, maka setiap nasabah harus membayar bunga 7% selama proses kredit berlangsung.
2. Bunga Mengambang/Fluktuatif (Floating Rate)
Floating Rate ialah suku bunga yang mengalami naik turun mengikuti angka bunga. Penetapan angka bunga berdasarkan keputusan dari pasar Indonesia dan internasional, misalnya LIBOR dan SIBOR.
Saat suku bunga mengalami kenaikan, maka bunga kredit pun otomatis akan bertambah. Sedangkan apabila suku bunga sedang turun, maka bunga kredit pun ikut turun.
Bank bisa menggabungkan dua jenis suku bunga dalam KPR. Misalnya dua tahun pertama kamu diwajibkan membayar kredit dengan bunga tetap, selanjutnya untuk melunasi kredit kamu wajib membayar bunga fluktuatif.
3. Bunga Capped
Nggak semua bank menawarkan sistem bunga capped. Bunga capped adalah sistem bunga fluktuatif namun dilakukan pembatasan. Contohnya jika bunga capped yang kamu dapatkan adalah 7%, maka bunga yang harus kamu bayar akan fluktuatif sesuai pasar dengan maksimal 7%. Apabila ada keadaan dimana bunga pasar mencapai 10%, maka kamu hanya perlu membayarnya 7%. Tetapi bila bunga di pasaran turun menjadi 5%, maka bunga yang wajib kamu bayar hanya 5%.
6 Bunga KPR Bank di Indonesia dengan Suku Bunga Rendah
Setelah paham soal jenis-jenis suku bunga KPR bank di Indonesia, kini saatnya kamu memilah-milah bunga dari bank mana aja yang paling pas buat kamu.
1. Bank BNI
Rekomendasi bunga KPR bank yang pertama berasal dari BNI. BNI mengusung BNI Griya sebagai proses mudah dalam pembiayaan KPR. Di BNI Griya kamu bisa melakukan pembelian rumah baru atau second, renovasi ataupun pembangunan.
BNI menggunakan metode bunga yang dicampur, dimana tahun pertama dan kedua berupa bunga fixed rate, sedangkan tahun ketiga menggunakan floating rate. Berikut adalah rinciannya:
Penawaran suku bunga KPR ini berlaku hingga 31 Agustus 2020. Jadi jangan sampai kamu ketinggalan ya. Untuk update tentang suku bunga BNI, kunjungi laman resmi BNI.
2. Bank Panin
#SamaTapiBeda adalah fasilitas KPR yang diberikan oleh Bank Panin. Biaya dari KPR ini boleh digunakan untuk melakukan pembelian rumah, apartemen, ruko, properti hingga kavling. Bunga KPR yang ditawarkan pun cukup rendah.
Bank Panin memberlakukan sistem bunga fixed selama 3 tahun, untuk tahun selanjutnya menggunakan sistem floating. Berikut adalah update terbaru tentang suku bunga dari Bank Panin:
3. Bank BRI
Di urutan ketiga ada Bank BRI yang juga turut serta memberikan layanan KPR. BRI memiliki 2 program suku bunga KPR yang bisa kamu pilih, yaitu KPR BRI (non subsidi) dan KPRS (subsidi).
Program KPR BRI menawarkn promo menarik dengan bunga fixed 1 tahun sebesar 6,5% atau fixed 3 tahun sebesar 9,5%. Setelah fixed selesai, maka suku bunga berganti ke floating.
Beberapa keuntungan yang kamu dapatkan ketika mengambil KPR di BRI adalah sebagai berikut:
- Memiliki kelebiha masa tenor hingga 20 tahun
- Biaya untuk kredit ringan
4. Bank Syariah Mandiri
Kalau kamu mencari bunga KPR yang berbasis syariah, coba deh Bank Syariah Mandiri. Bank ini memberi nama program KPRnya dengan BSM Griya. Berikut ini info tentang suku bunga KPR di Bank Syariah Mandiri:
Selain itu kamu juga akan merasakan beberapa kelebihan, seperti:
- Angsuran kredit sama hingga masa tenor selesai
- Bisa difungsikan untuk membeli rumah second ataupun baru
5. Bank BCA
Bank BCA juga nggak mau kalah dalam memberikan fasilitas KPR. Program suku bunga KPR di BCA memberikan kemudahan seperti:
- Bunga rendah, biaya ringan serta masa tenor lama yaitu 20 tahun
- Proses mudah untuk pembiayaan dan pembelian dari properti baru ataupun second
6. Bank DBS
Bank terakhir yang memberikan fasilitas suku bunga rendah untuk KPR adalah DBS. Bunga pertahuun dari KPR di Bank DBS adalah 9,26%.
Baca juga: 3 Tips Memasang Iklan Properti Via Online
Bagaimana? Sudah menentukan mau ambil KPR dimana? Semoga informasi di atas bermanfaat ya!
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