Rekomendasi Bank Bunga KPR Paling Rendah & Cara Mendapatkannya
r123-share-title
Terakhir diperbarui 24 Juni 2026 · 9 min read · by Miyanti Rahman
Ringkasan Artikel:
Mendapatkan bunga KPR paling rendah dapat membantu mengurangi beban cicilan dan total biaya kredit rumah dalam jangka panjang.
Untuk mendapatkannya, kamu perlu membandingkan penawaran beberapa bank, memanfaatkan promo KPR, menjaga riwayat kredit, serta menyiapkan uang muka yang memadai.
Selain itu, penting untuk memperhatikan biaya tambahan dan bunga floating agar tidak hanya tergiur oleh bunga promo di awal masa kredit.
Bunga KPR paling rendah menjadi salah satu faktor yang paling diperhatikan saat membeli rumah dengan skema Kredit Pemilikan Rumah (KPR).
Pasalnya, selisih bunga yang tampak kecil bisa berdampak besar terhadap total cicilan yang harus dibayar selama bertahun-tahun.
Sebagai contoh, perbedaan bunga 1% saja dapat membuat total pembayaran KPR berbeda hingga puluhan bahkan ratusan juta rupiah, tergantung nilai pinjaman dan tenor yang dipilih.
Jadi, sebelum mengajukan kredit untuk membeli rumah, Anda mesti tahu dulu bagaimana cara mendapatkan bunga KPR paling rendah supaya cicilan bisa lebih ringan.
Panduan Rumah123 telah merangkum beberapa langkahnya berikut ini:
Karena itu, penting untuk mengetahui beberapa bank dengan bunga KPR terendah dan cara mendapatkan bunga KPR yang kompetitif sebelum mengajukan kredit.
Lantas, bagaimana caranya? Simak ulasannya berikut ini.
Bunga yang ditawarkan mulai dari 1,75% dengan masa kredit hingga 25 tahun.
Bank Mandiri
Simulasi KPR Bank Mandiri
Hitung pembiayaan KPR Bank Mandiri dengan bunga terbaik di Rumah123
Rp
%
Rp
Bunga Fix
2.6%
Tenor maks.
30 tahun
Bunga Fix
2.66%
Tenor maks.
30 tahun
Bunga Fix
3.4%
Tenor maks.
30 tahun
Bunga Fix
3.56%
Tenor maks.
30 tahun
Bunga Fix
3.6%
Tenor maks.
30 tahun
Bunga Fix
4.6%
Tenor maks.
30 tahun
Bunga Fix
4.66%
Tenor maks.
30 tahun
Bunga Fix
5.08%
Tenor maks.
30 tahun
Bunga Fix
5.66%
Tenor maks.
30 tahun
Bunga Fix
6.08%
Tenor maks.
30 tahun
Bunga Fix
6.08%
Tenor maks.
30 tahun
Bunga Fix
7.08%
Tenor maks.
30 tahun
Bunga Fix
7.96%
Tenor maks.
30 tahun
Bunga Fix
8%
Tenor maks.
30 tahun
Bunga Fix
8%
Tenor maks.
30 tahun
Bunga Fix
8.4%
Tenor maks.
30 tahun
Bunga Fix
8.76%
Tenor maks.
30 tahun
Bunga Fix
9.75%
Tenor maks.
30 tahun
Bunga Fix
11%
Tenor maks.
30 tahun
Bunga Fix
14.25%
Tenor maks.
30 tahun
Angsuran/bulan mulai dari
Memuat hasil simulasi...
Tahun ke-1
Bunga 2.6%
Rp. 960.815
Tahun ke-2 dan Seterusnya
Estimasi Bunga 12%
Rp. 2.422.396
Bank BUMN berikutnya yang menawarkan bunga KPR termurah adalahBank Mandiri.
Nasabah bisa menikmati bunga mulai2,6% saja.
Syarat dan ketentuan umum pengajuan KPR ini yaitu harus Warga Negara Indonesia (WNI), usia minimal 21 tahun, mempunyai penghasilan yang dapat diverifikasi.
Bagi pegawai, harus menyandang status sebagai karyawan tetap dengan masa kerja minimum tiga bulan. Bagi wiraswasta, usahanya harus minimal berjalan dua tahun.
Hitung pembiayaan KPR Bank BTN dengan bunga terbaik di Rumah123
Rp
%
Rp
Bunga Fix
2.65%
Tenor maks.
30 tahun
Bunga Fix
3.5%
Tenor maks.
30 tahun
Bunga Fix
3.75%
Tenor maks.
20 tahun
Bunga Fix
3.75%
Tenor maks.
30 tahun
Bunga Fix
3.75%
Tenor maks.
20 tahun
Bunga Fix
3.95%
Tenor maks.
20 tahun
Bunga Fix
4.5%
Tenor maks.
30 tahun
Bunga Fix
4.5%
Tenor maks.
30 tahun
Bunga Fix
4.99%
Tenor maks.
20 tahun
Bunga Fix
5.47%
Tenor maks.
20 tahun
Bunga Fix
5.99%
Tenor maks.
20 tahun
Bunga Fix
6.25%
Tenor maks.
30 tahun
Bunga Fix
6.47%
Tenor maks.
20 tahun
Bunga Fix
6.47%
Tenor maks.
30 tahun
Bunga Fix
6.47%
Tenor maks.
30 tahun
Bunga Fix
6.97%
Tenor maks.
20 tahun
Bunga Fix
6.99%
Tenor maks.
20 tahun
Bunga Fix
7.5%
Tenor maks.
30 tahun
Bunga Fix
7.99%
Tenor maks.
20 tahun
Bunga Fix
8.99%
Tenor maks.
20 tahun
Bunga Fix
8.99%
Tenor maks.
20 tahun
Bunga Fix
9.25%
Tenor maks.
30 tahun
Bunga Fix
9.27%
Tenor maks.
20 tahun
Bunga Fix
9.59%
Tenor maks.
20 tahun
Bunga Fix
9.59%
Tenor maks.
20 tahun
Bunga Fix
10.25%
Tenor maks.
30 tahun
Bunga Fix
10.99%
Tenor maks.
20 tahun
Bunga Fix
11.59%
Tenor maks.
20 tahun
Bunga Fix
11.99%
Tenor maks.
20 tahun
Angsuran/bulan mulai dari
Memuat hasil simulasi...
Tahun ke-3
Bunga 2.65%
Rp. 967.113
Tahun ke-4 dan Seterusnya
Estimasi Bunga 12%
Rp. 2.329.099
Bank yang bunganya kecil berikutnya adalahBank Tabungan Negara (BTN), yaitu di angka 2,6%.
Masa kreditnya hingga 30 tahun.
Oleh karena itulah, Anda bisa mengajukan KPR dengan angsuran ringan setiap bulannya.
Syarat usia permohonan KPR BTN yaitu 21 tahun atau sudah menikah. Maksimal usia 65 tahun pada saat jatuh tempo kredit, memiliki penghasilan tetap & memenuhi berkas persyaratan.
Hitung pembiayaan KPR Bank BNI dengan bunga terbaik di Rumah123
Rp
%
Rp
Bunga Fix
2.5%
Tenor maks.
30 tahun
Bunga Fix
3.5%
Tenor maks.
30 tahun
Bunga Fix
3.5%
Tenor maks.
30 tahun
Bunga Fix
4.5%
Tenor maks.
30 tahun
Bunga Fix
5.5%
Tenor maks.
30 tahun
Bunga Fix
6.5%
Tenor maks.
30 tahun
Bunga Fix
7.25%
Tenor maks.
30 tahun
Bunga Fix
7.25%
Tenor maks.
30 tahun
Bunga Fix
7.25%
Tenor maks.
30 tahun
Bunga Fix
7.75%
Tenor maks.
30 tahun
Bunga Fix
7.75%
Tenor maks.
30 tahun
Bunga Fix
7.75%
Tenor maks.
30 tahun
Bunga Fix
7.75%
Tenor maks.
30 tahun
Bunga Fix
7.75%
Tenor maks.
30 tahun
Bunga Fix
8%
Tenor maks.
30 tahun
Bunga Fix
8%
Tenor maks.
30 tahun
Angsuran/bulan mulai dari
Memuat hasil simulasi...
Tahun ke-1
Bunga 2.5%
Rp. 948.290
Tahun ke-2 dan Seterusnya
Estimasi Bunga 12%
Rp. 2.421.485
Setelah BTN, bank BUMN berikutnya yang menawarkan KPR termurah ialah Bank Negara Indonesia (BNI).
Bank ini menawarkan kredit rumah dengan bunga mulai 2,5% dengan masa kredit hingga 30 tahun.
Anda bisa mengajukanKPR BNI apabila tercatat sebagai WNI, sudah mempunyai masa kerja minimal 1 tahun, dan usia tidak melebihi 65 tahun saat masa kredit berakhir.
Bank Danamon
Simulasi KPR Bank Danamon
Hitung pembiayaan KPR Bank Danamon dengan bunga terbaik di Rumah123
Rp
%
Rp
Bunga Fix
3.5%
Tenor maks.
30 tahun
Bunga Fix
3.5%
Tenor maks.
30 tahun
Bunga Fix
4.5%
Tenor maks.
25 tahun
Bunga Fix
4.5%
Tenor maks.
25 tahun
Bunga Fix
4.5%
Tenor maks.
30 tahun
Bunga Fix
4.5%
Tenor maks.
30 tahun
Angsuran/bulan mulai dari
Memuat hasil simulasi...
Tahun ke-3
Bunga 3.5%
Rp. 1.077.707
Tahun ke-4 dan Seterusnya
Estimasi Bunga 12%
Rp. 2.350.394
Bank selanjutnya yang menawarkan suku bunga KPR ramah ialah Bank Danamon.
Bunganya mulai 3,5% dengan masa kredit hingga30 tahun.
Usia minimal saat awal masa kredit 18 tahun (menikah) atau 21 tahun (belum menikah), dan usia maksimal saat akhir masa kredit 55 tahun (karyawan) atau 65 tahun (pengusaha dan profesional).
Selain itu, minimal pendapatan calon debitur yaitu Rp5.000.000. Lalu jumlah angsuran boleh dihitung dari penghasilan kotor (boleh gabungan suami dan istri).
OCBC NISP
Simulasi KPR Bank OCBC
Hitung pembiayaan KPR Bank OCBC dengan bunga terbaik di Rumah123
Rp
%
Rp
Bunga Fix
4.25%
Tenor maks.
25 tahun
Bunga Fix
4.5%
Tenor maks.
25 tahun
Bunga Fix
4.5%
Tenor maks.
25 tahun
Bunga Fix
4.85%
Tenor maks.
25 tahun
Bunga Fix
5.25%
Tenor maks.
25 tahun
Bunga Fix
5.85%
Tenor maks.
25 tahun
Bunga Fix
6.99%
Tenor maks.
25 tahun
Bunga Fix
6.99%
Tenor maks.
25 tahun
Bunga Fix
7%
Tenor maks.
25 tahun
Bunga Fix
7.25%
Tenor maks.
25 tahun
Bunga Fix
7.5%
Tenor maks.
3 tahun
Bunga Fix
7.75%
Tenor maks.
5 tahun
Bunga Fix
7.99%
Tenor maks.
6 tahun
Bunga Fix
7.99%
Tenor maks.
8 tahun
Bunga Fix
8.5%
Tenor maks.
15 tahun
Angsuran/bulan mulai dari
Memuat hasil simulasi...
Tahun ke-3
Bunga 4.25%
Rp. 1.300.171
Tahun ke-4 dan Seterusnya
Estimasi Bunga 12%
Rp. 2.401.085
OCBC NISP adalah bank selanjutnya yang menawarkan KPR termurah. Di mana nasabah bisa menikmati bunga mulai 4,25%.
Syarat dan ketentuan umum pengajuan KPR OCBC NISP yaitu WNI, karyawan minimal dua tahun & penghasilan minimum Rp3.000.000 dan maksimum Rp65.000.000.
Usia pada saat akad kredit 21 tahun atau sudah menikah, dan maksimal 45 tahun saat pengikatan kredit, terakhir mengumpulkan persyaratan dokumen lengkap.
CIMB Niaga
Simulasi KPR Bank CIMB Niaga
Hitung pembiayaan KPR Bank CIMB Niaga dengan bunga terbaik di Rumah123
Rp
%
Rp
Bunga Fix
4%
Tenor maks.
20 tahun
Bunga Fix
4.5%
Tenor maks.
20 tahun
Bunga Fix
4.75%
Tenor maks.
20 tahun
Bunga Fix
5%
Tenor maks.
20 tahun
Bunga Fix
5.99%
Tenor maks.
20 tahun
Bunga Fix
6%
Tenor maks.
20 tahun
Bunga Fix
7.5%
Tenor maks.
5 tahun
Bunga Fix
7.75%
Tenor maks.
5 tahun
Bunga Fix
8.75%
Tenor maks.
15 tahun
Bunga Fix
9%
Tenor maks.
15 tahun
Angsuran/bulan mulai dari
Memuat hasil simulasi...
Tahun ke-3
Bunga 4%
Rp. 1.454.353
Tahun ke-4 dan Seterusnya
Estimasi Bunga 12%
Rp. 2.475.295
CIMB Niaga mempunyai produ dengan suku bunga KPR mulai 4%.
Beberapa keuntungan mengajukan KPR CIMB Niaga yaitu bunga KPR bisa sampai 0, angsuran ringan dan bisa lunas lebih cepat dan bisa bayar angsuran dengan dana tabungan.
Syarat dan ketentuan umum pengajuan yaitu usia minimal 21 tahun dan maksimal 58 tahun bagi karyawan, sedangkan profesional atau wiraswasta maksimal 70 tahun saat kredit berakhir.
Saat ini, sudah banyak developer perumahan yang bekerja sama dengan CIMB Niaga, salah satunya Podomoro melalui perumahan Podomoro Park Bandung.
{"attributes":{"type":"udp","pdp_id":["nps1697"],"custom_title":"Detail Unit Rumah di Podomoro Park Bandung"},"pdp":{"data":{"GetPropertiesByOriginID":{"properties":[{"uuid":"3aa6b560-7090-49a0-bd1b-accf2eead042","agent":{"organization":{"uuid":"d33c6916-4681-46ac-82ae-eecc73f3ad7e","name":"PT. Agung Podomoro Land, Tbk","medias":[{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/250x250-fit\/developer\/logo\/developer-index-1481083146.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/developer\/logo\/developer-index-1481083146.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/developer\/logo\/developer-index-1481083146.jpg","order":0}]}],"contacts":[{"contactType":1,"type":"EMAIL","value":"evergreen@99.co"},{"contactType":3,"type":"WHATSAPP","value":"+6281952984809"},{"contactType":2,"type":"PHONE_NUMBER","value":"+6281952984809"}],"url":"\/properti-baru\/developer\/pt-agung-podomoro-land-tbk\/824\/"}},"location":{"uuid":"0c673d74-8635-4c53-9377-99b710c03908","level":0,"name":"Buah Batu","locationType":0,"text":"Buah Batu, Bandung"},"originId":{"value":"nps1697","formattedValue":"nps1697"},"price":{"minValue":900000000,"maxValue":5000000000,"currencyType":360,"display":"Rp 900 Juta - 5 Miliar","offer":900000000,"unitType":0,"subDisplay":""},"title":"Podomoro Park Bandung","medias":[{"mediaType":"BACKGROUND","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/4419385\/e89661bcdc54f553ab07f70ed8d4ae90.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/4419385\/e89661bcdc54f553ab07f70ed8d4ae90.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/4419385\/e89661bcdc54f553ab07f70ed8d4ae90.jpg","order":0},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1697\/1668500448_63734be07802cads_images_1697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1668500448_63734be07802cads_images_1697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1668500448_63734be07802cads_images_1697.jpg","order":2},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1697\/1686885061_648bd2c5aa609ads_images_1697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1686885061_648bd2c5aa609ads_images_1697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1686885061_648bd2c5aa609ads_images_1697.jpg","order":3},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1697\/1686902006_648c14f6034adads_images_1697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1686902006_648c14f6034adads_images_1697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1686902006_648c14f6034adads_images_1697.jpg","order":4},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1697\/1715153478_663b2a46b487cads_images_1697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715153478_663b2a46b487cads_images_1697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715153478_663b2a46b487cads_images_1697.jpg","order":5}]},{"mediaType":"LOGO","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/original\/r123\/primary_property\/project\/1697\/1594705208_5f0d45384b671ads_logo_1697.png","thumbnailUrl":"https:\/\/picture.rumah123.com\/original\/r123\/primary_property\/project\/1697\/1594705208_5f0d45384b671ads_logo_1697.png","formatUrl":"https:\/\/picture.rumah123.com\/original\/r123\/primary_property\/project\/1697\/1594705208_5f0d45384b671ads_logo_1697.png","order":0}]},{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/4419385\/e89661bcdc54f553ab07f70ed8d4ae90.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/4419385\/e89661bcdc54f553ab07f70ed8d4ae90.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/4419385\/e89661bcdc54f553ab07f70ed8d4ae90.jpg","order":0}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/4419385\/6caddea7d4a57ac92b2ba0e83afbe340.png","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/4419385\/6caddea7d4a57ac92b2ba0e83afbe340.png","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/4419385\/6caddea7d4a57ac92b2ba0e83afbe340.png","order":0}]},{"mediaType":"FACILITY","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":1},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":2},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":3},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":4},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":5},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":6},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":7},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":8},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":9},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":10},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":11},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":12},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":13},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":14},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":15},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":16},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":17},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":18},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":19},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":20},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":21},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/","order":22}]}],"primaryProject":{"subUnits":[{"name":"Padmagriya","properties":[{"title":"Arsana","description":"Pondasi : Batu Kali\nRangka Atap : Baja Ringan\nPenutup Atap : Genteng Beton\nPlafond : Gypsum Board; finishing Cat\nDinding Luar & Dalam : Bata Plester Aci\nDinding Dalam : Cat Interior\nDinding Luar : Cat Eksterior\nDinding Kamar Mandi : Keramik\nLantai Ruang Utama : Homogeneous Tile\nLantai Teras, Kamar Mandi, Carport : Keramik\nPintu Utama : Engineering Wood\nPintu Belakang : Kaca, Aluminium\nPintu Kamar : Engineering Wood\nPintu Kamar Mandi : Engineering Wood\nJendela : Kaca, Aluminium\nSanitasi : TOTO\/setara\nAir Bersih : PDAM\nDaya Listrik : Tipe lebar 6 m & 7 m : 2.200 VA\nInstalasi AC : Ada (Instalasi Drain)\nInstalasi Water Heater : Ada\nInstalasi Air Bersih : Ada (Ground Water Tank)\nLain-lain : Jaringan Telepon, TV","uuid":"d39c55d0-82ae-42f4-b2c9-8a5787a83ae7","medias":[{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/cf6420ed90a4d5112d97072eebed3508.png","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/cf6420ed90a4d5112d97072eebed3508.png","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/cf6420ed90a4d5112d97072eebed3508.png","order":0}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/ebc497fe991c860857dccab6072a821b.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/ebc497fe991c860857dccab6072a821b.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/ebc497fe991c860857dccab6072a821b.jpg","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"90","formattedValue":"90 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"58","formattedValue":"58 m\u00b2"},"bedrooms":{"name":"bedrooms","label":"Kamar","value":"3","formattedValue":"3"},"bathrooms":{"name":"bathrooms","label":"Kamar Mandi","value":"1","formattedValue":"1"},"carports":{"name":"carports","label":"Carport","value":"1","formattedValue":"1"}},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":1500000000,"maxValue":1500000000,"currencyType":360,"display":"Rp 1,5 Miliar","offer":1500000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/arsana\/hos0100000318\/"}]},{"name":"Arunagriya","properties":[{"title":"Svara Eka","description":"Pondasi : Tiang Pancang\nStruktur : Beton Bertulang\n\nAtap\nRangka Atap : Baja Ringan\nPenutup Atap\t: Genteng Beton\n\nPlafond\nMaterial Plafond : Gypsum Board; Finishing Cat\n\nDinding\nLuar & Dalam\t: Bata Plester Aci\n\nFinishing Dinding\nDinding Dalam : Cat Interior\nDinding Luar : Cat Exterior\nKM Utama & WC\t: Keramik\n\nFinishing Lantai\nRuang Utama\t: Homogeneous Tile\nKamar Utama\t: Homogeneous Tile\nTeras : Keramik\nKamar Mandi\t: Keramik\nCarport : Paving\n\nKusen, Pintu dan Jendela\nPintu Utama\t: Engineering Wood\nPintu Belakang : Kaca, Aluminum Frame \nPintu Kamar Tidur : Engineering Wood \nPintu Kamar Mandi : Engineering Wood \nJendela : Kaca, Aluminum Frame\n\nSanitary\nKamar Mandi\t: Toto\n\nInstalasi\nAir Bersih : PDAM\nDaya Listrik : 2.200 VA\nInstalasi AC : Ada (instalasi drain) Instalasi Water Heater\t: Ada\nInstalasi Roof Tank : Ada (Tanpa roof tank & ground water tank) Lain-Lain\t: Smarthome, jaringan telepon & TV","uuid":"01fbb73c-0a0d-46dd-8a51-94db3bae61b8","medias":[{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/4419385\/84cb78b1609b1e3272ae8bb71e2a077d.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/4419385\/84cb78b1609b1e3272ae8bb71e2a077d.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/4419385\/84cb78b1609b1e3272ae8bb71e2a077d.jpg","order":0}]},{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/4419385\/8e7ee3af5d2844e940bf9f9a6cc44b21.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/4419385\/8e7ee3af5d2844e940bf9f9a6cc44b21.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/4419385\/8e7ee3af5d2844e940bf9f9a6cc44b21.jpg","order":1}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/4419385\/8646895c7816cc726feb92082f7d984f.png","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/4419385\/8646895c7816cc726feb92082f7d984f.png","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/4419385\/8646895c7816cc726feb92082f7d984f.png","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"75","formattedValue":"75 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"60","formattedValue":"60 m\u00b2"},"bedrooms":{"name":"bedrooms","label":"Kamar","value":"3","formattedValue":"3"},"bathrooms":{"name":"bathrooms","label":"Kamar Mandi","value":"2","formattedValue":"2"},"carports":{"name":"carports","label":"Carport","value":"1","formattedValue":"1"}},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":1700000000,"maxValue":1700000000,"currencyType":360,"display":"Rp 1,7 Miliar","offer":1700000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/svara-eka\/hos0101090\/"}]},{"name":"Millenial Home","properties":[{"title":"Hanami","description":"","uuid":"1a365f6a-0b31-4ef4-b35a-321add44474e","medias":[{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/4419385\/fe6a714daa505e6295991478676448c5.png","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/4419385\/fe6a714daa505e6295991478676448c5.png","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/4419385\/fe6a714daa505e6295991478676448c5.png","order":0}]},{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/b5fb4f20c113442e541a45bcecda6b9d.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/b5fb4f20c113442e541a45bcecda6b9d.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/b5fb4f20c113442e541a45bcecda6b9d.jpg","order":1},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/0eef0aaba48fda8bab9146447d2bb74e.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/0eef0aaba48fda8bab9146447d2bb74e.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/0eef0aaba48fda8bab9146447d2bb74e.jpg","order":2},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/07c91aa0cf9c0590bdce770bfc487a84.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/07c91aa0cf9c0590bdce770bfc487a84.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/07c91aa0cf9c0590bdce770bfc487a84.jpg","order":3},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/6f2dfaeeada7568679aa60b183ad20c9.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/6f2dfaeeada7568679aa60b183ad20c9.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/6f2dfaeeada7568679aa60b183ad20c9.jpg","order":4},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/82c4558ab0698c69643ba6618c4da6b4.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/82c4558ab0698c69643ba6618c4da6b4.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/82c4558ab0698c69643ba6618c4da6b4.jpg","order":5},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/c3db8aa4ad825d2bb2810e077c4663b9.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/c3db8aa4ad825d2bb2810e077c4663b9.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/c3db8aa4ad825d2bb2810e077c4663b9.jpg","order":6},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/b3af672022b555a1a2308bca5215dea6.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/b3af672022b555a1a2308bca5215dea6.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/b3af672022b555a1a2308bca5215dea6.jpg","order":7},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/28f0893b9ca31440fb758b1dc69271ec.png","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/28f0893b9ca31440fb758b1dc69271ec.png","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/28f0893b9ca31440fb758b1dc69271ec.png","order":8},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/9b2176928eb1fad433a3004ead3571ee.png","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/9b2176928eb1fad433a3004ead3571ee.png","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/9b2176928eb1fad433a3004ead3571ee.png","order":9},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/a8a7ac63c6a9c33f0af0ba95b5b01729.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/a8a7ac63c6a9c33f0af0ba95b5b01729.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/a8a7ac63c6a9c33f0af0ba95b5b01729.jpg","order":10}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/0296e489f2b89907f6154b82256aa4a2.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/0296e489f2b89907f6154b82256aa4a2.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/0296e489f2b89907f6154b82256aa4a2.jpg","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"70","formattedValue":"70 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"31","formattedValue":"31 m\u00b2"},"bedrooms":{"name":"bedrooms","label":"Kamar","value":"2","formattedValue":"2"},"bathrooms":{"name":"bathrooms","label":"Kamar Mandi","value":"1","formattedValue":"1"},"carports":null},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":900000000,"maxValue":900000000,"currencyType":360,"display":"Rp 900 Juta","offer":900000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/hanami\/hos18322\/"}]},{"name":"Wangsagriya","properties":[{"title":"Vetra","description":"[\"Pondasi : Tiang pancang \",\"Struktur : Beton Bertulang \",\"Dinding luar & dalam : bata plester aci \",\"Lantai : Kamar Utama & Ruang Utama: Homogeneous Tile, Carport : Keramik \"]","uuid":"06a7cb4d-a7b3-4446-96f4-f2d849922808","medias":[{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/f5f97cac2f88418c96f2747fefbb9779.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/f5f97cac2f88418c96f2747fefbb9779.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/f5f97cac2f88418c96f2747fefbb9779.jpg","order":1},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/6f230a309cfe25976cd5957f85ebd75f.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/6f230a309cfe25976cd5957f85ebd75f.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/6f230a309cfe25976cd5957f85ebd75f.jpg","order":2},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/7b5e3af6258f22b186dbbb91c9b2bb0d.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/7b5e3af6258f22b186dbbb91c9b2bb0d.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/7b5e3af6258f22b186dbbb91c9b2bb0d.jpg","order":3},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/d0ceaa7d97ae6aaad8b12bc8eaa8b16c.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/d0ceaa7d97ae6aaad8b12bc8eaa8b16c.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/d0ceaa7d97ae6aaad8b12bc8eaa8b16c.jpg","order":4},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/fa8bc7a4ca053c318757d1d64e2d3beb.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/fa8bc7a4ca053c318757d1d64e2d3beb.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/fa8bc7a4ca053c318757d1d64e2d3beb.jpg","order":5}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1697\/1715151125_663b21154e15bfloorplan_8512.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715151125_663b21154e15bfloorplan_8512.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715151125_663b21154e15bfloorplan_8512.jpg","order":0}]},{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/13a04a85704ed934a1d2482d552a59e6.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/13a04a85704ed934a1d2482d552a59e6.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/13a04a85704ed934a1d2482d552a59e6.jpg","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"82","formattedValue":"82 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"72","formattedValue":"72 m\u00b2"},"bedrooms":{"name":"bedrooms","label":"Kamar","value":"2","formattedValue":"2"},"bathrooms":{"name":"bathrooms","label":"Kamar Mandi","value":"1","formattedValue":"1"},"carports":null},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":2000000000,"maxValue":2000000000,"currencyType":360,"display":"Rp 2 Miliar","offer":2000000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/vetra\/hos18512\/"}]},{"name":"Brahmapuri","properties":[{"title":"Askara","description":"[\"Pondasi : Tiang Pancang \",\"Struktur : Beton Bertulang \",\"Dinding : Bata Plester Aci \",\"Penutup Atap : Genteng Bitumen \",\"Daya Listirk : 4400 VA\"]","uuid":"c0adcdbf-1433-4393-8075-55053aeb14b8","medias":[{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1697\/1707011805_170701180565beeeddd36d5ads_images_5133.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1707011805_170701180565beeeddd36d5ads_images_5133.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1707011805_170701180565beeeddd36d5ads_images_5133.jpg","order":0}]},{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1697\/1623052109_162305210960bdcf4d6617aads_images_5133.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1623052109_162305210960bdcf4d6617aads_images_5133.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1623052109_162305210960bdcf4d6617aads_images_5133.jpg","order":1},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1697\/1668500433_166850043363734bd1539dfads_images_5133.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1668500433_166850043363734bd1539dfads_images_5133.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1668500433_166850043363734bd1539dfads_images_5133.jpg","order":2},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1697\/1707012105_170701210565bef00993471ads_images_5133.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1707012105_170701210565bef00993471ads_images_5133.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1707012105_170701210565bef00993471ads_images_5133.jpg","order":3},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1697\/1707012110_170701211065bef00def8f6ads_images_5133.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1707012110_170701211065bef00def8f6ads_images_5133.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1707012110_170701211065bef00def8f6ads_images_5133.jpg","order":4},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1697\/1707012110_170701211065bef00e0fc6fads_images_5133.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1707012110_170701211065bef00e0fc6fads_images_5133.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1707012110_170701211065bef00e0fc6fads_images_5133.jpg","order":5},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/bf44172a1b9c0a1014609daa081e65cf.png","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/bf44172a1b9c0a1014609daa081e65cf.png","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/bf44172a1b9c0a1014609daa081e65cf.png","order":6},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/162da0f817fbb0bbc524c156a0cc273d.png","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/162da0f817fbb0bbc524c156a0cc273d.png","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/162da0f817fbb0bbc524c156a0cc273d.png","order":7},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/880c1bc5160225801d1c29a86ee01520.png","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/880c1bc5160225801d1c29a86ee01520.png","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/880c1bc5160225801d1c29a86ee01520.png","order":8},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/87113a8506db3eb6c7ddfa6d861b926a.png","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/87113a8506db3eb6c7ddfa6d861b926a.png","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/87113a8506db3eb6c7ddfa6d861b926a.png","order":9},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/689e62e10868c6fcd76237a73501762d.png","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/689e62e10868c6fcd76237a73501762d.png","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/689e62e10868c6fcd76237a73501762d.png","order":10},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/d7967f17a497e7ad4ff7ff7d3dd635c2.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/d7967f17a497e7ad4ff7ff7d3dd635c2.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/d7967f17a497e7ad4ff7ff7d3dd635c2.jpg","order":11}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1697\/1623052123_60bdcf5b73266floorplan_5133.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1623052123_60bdcf5b73266floorplan_5133.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1623052123_60bdcf5b73266floorplan_5133.jpg","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"176","formattedValue":"176 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"172","formattedValue":"172 m\u00b2"},"bedrooms":{"name":"bedrooms","label":"Kamar","value":"4","formattedValue":"4"},"bathrooms":{"name":"bathrooms","label":"Kamar Mandi","value":"3","formattedValue":"3"},"carports":null},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":5000000000,"maxValue":5000000000,"currencyType":360,"display":"Rp 5 Miliar","offer":5000000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/askara\/hos25133\/"},{"title":"Nawasena","description":"PONDASI : TIANG PANCANG \nDINDING : BATA PLESTER ACI \nLANTAI : KERAMIK","uuid":"f97335cf-5493-4752-923b-3e0dfd5e3734","medias":[{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/41eeb7709f871a1d4c807b838567c5de.png","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/41eeb7709f871a1d4c807b838567c5de.png","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/41eeb7709f871a1d4c807b838567c5de.png","order":0}]},{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/1e473c811e9c921f19d2e758306bea0a.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/1e473c811e9c921f19d2e758306bea0a.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/1e473c811e9c921f19d2e758306bea0a.jpg","order":0}]},{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1899233\/11a7756185450b431534b658abb427d5.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1899233\/11a7756185450b431534b658abb427d5.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1899233\/11a7756185450b431534b658abb427d5.jpg","order":1}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"100","formattedValue":"100 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"133","formattedValue":"133 m\u00b2"},"bedrooms":{"name":"bedrooms","label":"Kamar","value":"3","formattedValue":"3"},"bathrooms":{"name":"bathrooms","label":"Kamar Mandi","value":"3","formattedValue":"3"},"carports":null},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":3000000000,"maxValue":3000000000,"currencyType":360,"display":"Rp 3 Miliar","offer":3000000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/nawasena\/hos3100267\/"}]},{"name":"Naragriya","properties":[{"title":"Student House","description":"","uuid":"c2698901-fd41-4c82-8abe-d926ec5044bc","medias":[{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/543233\/2024-07-26-12-39-17-31213f54-9cb6-43f7-8fe7-35c11c9896b1.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/543233\/2024-07-26-12-39-17-31213f54-9cb6-43f7-8fe7-35c11c9896b1.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/543233\/2024-07-26-12-39-17-31213f54-9cb6-43f7-8fe7-35c11c9896b1.jpg","order":1},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/543233\/2024-07-26-12-39-59-e75901dc-8a23-42ee-898c-50d43bcd9d7a.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/543233\/2024-07-26-12-39-59-e75901dc-8a23-42ee-898c-50d43bcd9d7a.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/543233\/2024-07-26-12-39-59-e75901dc-8a23-42ee-898c-50d43bcd9d7a.jpg","order":2}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/543233\/2024-07-26-12-40-20-5d3d13e5-8112-4aa9-b499-45c1fff9738c.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/543233\/2024-07-26-12-40-20-5d3d13e5-8112-4aa9-b499-45c1fff9738c.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/543233\/2024-07-26-12-40-20-5d3d13e5-8112-4aa9-b499-45c1fff9738c.jpg","order":0}]},{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/4419385\/dee7af3c1afa419dfd17ef8f6661d75a.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/4419385\/dee7af3c1afa419dfd17ef8f6661d75a.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/4419385\/dee7af3c1afa419dfd17ef8f6661d75a.jpg","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"70","formattedValue":"70 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"146","formattedValue":"146 m\u00b2"},"bedrooms":{"name":"bedrooms","label":"Kamar","value":"10","formattedValue":"10"},"bathrooms":{"name":"bathrooms","label":"Kamar Mandi","value":"3","formattedValue":"3"},"carports":null},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":2500000000,"maxValue":2500000000,"currencyType":360,"display":"Rp 2,5 Miliar","offer":2500000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/student-house\/hos08957\/"}]}]},"url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/nps1697\/"}]}}},"strapi":null,"baseUrl":"https:\/\/www.rumah123.com"}
Isi detail KPR awalmu, dapatkan rekomendasi program KPR yang lebih hemat
Hasil Simulasi Take Over KPR
Ringkasan KPR saat ini
Angsuran Saat IniRp 0
Angsuran FloatingRp 0
Sisa Pinjaman KPRRp 0
Total Biaya KPRRp 0
Rp
Tahun
Bulan
%
Tahun
Rp
Sudah masuk masa floating, estimasi bunga 12%
Rekomendasi Program Take Over KPR
Pilihan Bank:
Tahun ke-1 - ke-5
Bunga 2,88%
Angsuran/Bulan Fix
Rp 5.139.376
Hemat sebesar
Rp 998.393/bulan
Total Biaya KPR
Hingga akhir tenor
Rp 998.393
Lebih tinggiRp 998.393
Angsuran Floating
Setelah 5 tahun pindah kpr (Estimasi Bunga 12%)
Rp 5
Pinjaman Take Over KPR
Jumlah pinjaman yang dialihkan ke bank baru
Rp 5
Estimasi Biaya Lain Take Over
Berkisar 3-6% dari pinjaman Take Over
Rp 5 s/d Rp 5
Oops, sepertinya belum ada rekomendasi program take over yang lebih hemat
Coba perbarui data simulasi
Disclaimer : Hasil di atas merupakan angka estimasi, data perhitungan dapat berbeda dengan perhitungan bank. Hubungi kami untuk info lebih lanjut.
Plafon Awal KPR
Total pinjaman yang disepakati saat akad KPR. Kamu bisa cek di aplikasi bank atau hubungi langsung bank KPR kamu saat ini.
Biaya Lain KPR Take Over
Terdapat beberapa biaya yang dikenakan saat mengajukan KPR Take Over bank lama ke baru. Beberapa biaya yang dikenakan bisa berbeda-beda dan tergantung dari kebijakan bank masing-masing. Biaya tersebut antara lain:
Biaya Penalti
Biaya penalti merupakan sanksi denda yang dikenakan jika melunasi KPR lebih cepat dari tenor yang seharusnya. Biaya penalti bisa diketahui dari perjanjian awal pada saat akad dilakukan.
Biaya Appraisal
Biaya apprasial yang dikenakan saat mengajukan KPR Take Over untuk menaksirkan harga properti.
Biaya Administrasi/Proses
Biaya administrasi/proses yang dikenakan bank saat memindahkan KPR bank lama ke baru
Biaya Provisi
Biaya yang harus dibayarkan di awal dan dipotong otomatis di awal saat mengajukan KPR Take Over
Biaya Notaris
Biaya untuk notaris memproses pengalihan pinjaman KPR dari bank lama ke bank baru
Biaya Cek dan Validasi Sertifikat
Biaya pengecekan dan validasi sertifikat properti
Memuat hasil simulasi...
Apa saja Cara Mudah Mendapatkan Bunga KPR Paling Rendah?
1. Manfaatkan Halaman KPR Rumah123
Rumah123 memiliki halaman KPR dengan pilihan bank yang lengkap.
Di halaman ini, terdapat bank-bank seperti BCA, BTN, BRI, Mandiri, BNI, hingga OCBC NISP.
Anda bisa melihat beberapa bunga KPR terbaru yang diperbarui secara berkala dari masing-masing bank.
Bahkan, Anda dapat mengurutkannya berdasarkan bunga terendah.
Jadi, Anda bisa tahu bank mana yang menawarkan bunga terendah di antara semua bank yang ada.
Selanjutnya, Anda juga bisa menggunakan fitur simulasi dulu untuk mengetahui berapa perkiraan cicilan pokok dan bunga yang mesti Anda bayarkan nantinya.
Lantaran ekosistem Rumah123 terhubung antara KPR dengan developer, Anda bisa memilih bank mana saja yang bekerja sama dengan developer yang menawarkan promo bunga menarik.
2. Bandingkan Penawaran dari Beberapa Bank
Kesalahan yang sering dilakukan calon pembeli rumah adalah langsung mengajukan KPR ke satu bank tanpa melakukan perbandingan.
Padahal, setiap bank memiliki, suku bunga berbeda, biaya provisi berbeda, biaya administrasi berbeda, dan program promo yang berbeda.
Semakin banyak pilihan yang dibandingkan, semakin besar peluang menemukan penawaran yang paling menguntungkan.
Jadi, ketika berada di halaman KPR Rumah123, jangan lupa untuk membandingkan penawaran dari satu bank dengan bank lainnya.
3. Manfaatkan Program Promo KPR
Bank sering menawarkan promo bunga rendah untuk menarik nasabah baru.
Promo itu misalnya, bunga fixed 1 tahun, bunga fixed 3 tahun, diskon biaya provisi, hingga gratis biaya administrasi.
Program seperti ini biasanya tersedia pada proyek-proyek properti yang bekerja sama langsung dengan bank.
Karena itu, jangan ragu menanyakan promo yang sedang berlangsung sebelum mengajukan KPR.
Anda bisa bertanya kepada Rumah123 untuk mengetahui daftar promo bunga bank terbaru.
4. Siapkan Uang Muka yang Lebih Besar
Semakin besar uang muka (DP) yang dibayarkan, semakin kecil nilai pinjaman yang diajukan.
Hal ini dapat memberikan beberapa keuntungan, di antaranya risiko bank menjadi lebih rendah, peluang persetujuan KPR meningkat, hingga cicilan bulanan menjadi lebih ringan.
Bahkan, beberapa bank dapat menawarkan skema yang lebih kompetitif.
Jadi, idealnya, siapkan DP di atas ketentuan minimum jika kondisi keuangan memungkinkan.
5. Jaga Riwayat Kredit Tetap Baik
Bank akan memeriksa riwayat kredit calon debitur melalui Sistem Layanan Informasi Keuangan (SLIK) OJK.
Riwayat kredit yang buruk dapat menyebabkan pengajuan KPR ditolak, suku bunga kurang kompetitif, dan proses persetujuan lebih lama.
Karena itu, pastikan seluruh kewajiban kredit berjalan lancar, termasuk kartu kredit, pinjaman kendaraan, dan fasilitas kredit lainnya.
6. Pilih Tenor yang Sesuai Kemampuan
Tenor panjang memang membuat cicilan lebih rendah.
Namun, total bunga yang dibayar biasanya menjadi lebih besar.
Sebaliknya, tenor pendek menghasilkan total bunga yang lebih kecil, tetapi cicilan bulanan lebih tinggi.
Pilih tenor yang sesuai dengan kemampuan finansial agar tidak membebani kondisi keuangan keluarga.
7. Ajukan KPR Saat Kondisi Keuangan Stabil
Bank lebih menyukai calon debitur yang memiliki penghasilan stabil, rasio utang sehat, masa kerja memadai, dan dokumen keuangan lengkap.
Semakin baik profil finansialmu, semakin besar peluang memperoleh penawaran kredit yang lebih menarik.
8. Pertimbangkan KPR dari Developer yang Bekerja Sama dengan Bank
Banyak pengembang menawarkan program kerja sama dengan bank tertentu.
Keuntungannya bisa berupa bunga promo khusus, proses persetujuan lebih cepat, persyaratan lebih sederhana, dan biaya tambahan yang lebih ringan.
Karena itu, jangan hanya membandingkan bank, tetapi juga perhatikan promo yang ditawarkan pada proyek perumahan yang diminati.
Temukan promo KPR dan developer hanya di Rumah123. Anda bisa cek di halaman KPR dan Properti Baru.
Simulasi Take Over KPR
Isi detail KPR awalmu, dapatkan rekomendasi program KPR yang lebih hemat
Hasil Simulasi Take Over KPR
Ringkasan KPR saat ini
Angsuran Saat IniRp 0
Angsuran FloatingRp 0
Sisa Pinjaman KPRRp 0
Total Biaya KPRRp 0
Rp
Tahun
Bulan
%
Tahun
Rp
Sudah masuk masa floating, estimasi bunga 12%
Rekomendasi Program Take Over KPR
Pilihan Bank:
Tahun ke-1 - ke-5
Bunga 2,88%
Angsuran/Bulan Fix
Rp 5.139.376
Hemat sebesar
Rp 998.393/bulan
Total Biaya KPR
Hingga akhir tenor
Rp 998.393
Lebih tinggiRp 998.393
Angsuran Floating
Setelah 5 tahun pindah kpr (Estimasi Bunga 12%)
Rp 5
Pinjaman Take Over KPR
Jumlah pinjaman yang dialihkan ke bank baru
Rp 5
Estimasi Biaya Lain Take Over
Berkisar 3-6% dari pinjaman Take Over
Rp 5 s/d Rp 5
Oops, sepertinya belum ada rekomendasi program take over yang lebih hemat
Coba perbarui data simulasi
Disclaimer : Hasil di atas merupakan angka estimasi, data perhitungan dapat berbeda dengan perhitungan bank. Hubungi kami untuk info lebih lanjut.
Plafon Awal KPR
Total pinjaman yang disepakati saat akad KPR. Kamu bisa cek di aplikasi bank atau hubungi langsung bank KPR kamu saat ini.
Biaya Lain KPR Take Over
Terdapat beberapa biaya yang dikenakan saat mengajukan KPR Take Over bank lama ke baru. Beberapa biaya yang dikenakan bisa berbeda-beda dan tergantung dari kebijakan bank masing-masing. Biaya tersebut antara lain:
Biaya Penalti
Biaya penalti merupakan sanksi denda yang dikenakan jika melunasi KPR lebih cepat dari tenor yang seharusnya. Biaya penalti bisa diketahui dari perjanjian awal pada saat akad dilakukan.
Biaya Appraisal
Biaya apprasial yang dikenakan saat mengajukan KPR Take Over untuk menaksirkan harga properti.
Biaya Administrasi/Proses
Biaya administrasi/proses yang dikenakan bank saat memindahkan KPR bank lama ke baru
Biaya Provisi
Biaya yang harus dibayarkan di awal dan dipotong otomatis di awal saat mengajukan KPR Take Over
Biaya Notaris
Biaya untuk notaris memproses pengalihan pinjaman KPR dari bank lama ke bank baru
Biaya Cek dan Validasi Sertifikat
Biaya pengecekan dan validasi sertifikat properti
Memuat hasil simulasi...
Kesalahan Apa yang Harus Dihindari Saat Mencari Bunga KPR Rendah?
Agar tidak salah mengambil keputusan, hindari beberapa kesalahan berikut ini:
Hanya Melihat Bunga Promo: Banyak orang tergiur bunga fixed yang sangat rendah tanpa memperhatikan bunga floating setelah masa promo berakhir.
Mengabaikan Biaya Tambahan: Selain bunga, terdapat biaya lain seperti provisi, administrasi, appraisal, asuransi jiwa, asuransi kebakaran, dan notaris Biaya tersebut juga perlu diperhitungkan.
Memaksakan Cicilan Terlalu Besar: Idealnya total cicilan utang tidak melebihi 30–40% dari penghasilan bulanan agar kondisi keuangan tetap sehat.
Mana yang Lebih Penting, Bunga Rendah atau Cicilan Ringan?
Keduanya penting, tetapi yang paling penting adalah melihat total biaya KPR secara keseluruhan.
Jangan hanya fokus pada bunga promo yang rendah. Perhatikan juga tenor, biaya tambahan, dan besaran bunga setelah masa fixed berakhir.
Dengan melakukan perbandingan secara menyeluruh, kamu dapat menemukan produk KPR yang benar-benar sesuai dengan kebutuhan dan kemampuan finansial.
Punya pertanyaan seputar properti? Ngobrol yuk diTeras123!
FAQ
Bagaimana cara mendapatkan bunga KPR paling rendah?
Kamu bisa membandingkan penawaran dari beberapa bank, memanfaatkan promo KPR yang sedang berlangsung, menyiapkan DP yang lebih besar, menjaga riwayat kredit tetap baik, serta mengajukan kredit saat kondisi keuangan stabil.
Apakah bunga KPR rendah selalu membuat cicilan lebih murah?
Belum tentu. Selain bunga, besaran cicilan juga dipengaruhi oleh tenor, jumlah pinjaman, serta berbagai biaya tambahan seperti provisi, asuransi, dan administrasi.
Apa perbedaan bunga fixed dan bunga floating pada KPR?
Bunga fixed adalah bunga tetap yang berlaku selama periode tertentu sehingga cicilan tidak berubah. Sementara itu, bunga floating mengikuti kondisi pasar dan kebijakan bank sehingga cicilan dapat naik atau turun setelah masa fixed berakhir.
Mengapa perlu membandingkan bunga KPR dari beberapa bank?
Setiap bank memiliki suku bunga, biaya provisi, biaya administrasi, dan program promo yang berbeda. Dengan membandingkan beberapa penawaran, kamu bisa menemukan produk KPR yang paling sesuai dengan kebutuhan dan kemampuan finansial.
Bank apa saja yang menawarkan bunga KPR rendah?
Beberapa bank yang sering menawarkan program bunga KPR kompetitif antara lain BRI, BNI, Bank Mandiri, dan BTN. Namun, besaran bunga dapat berubah sewaktu-waktu sesuai kebijakan masing-masing bank dan program promosi yang sedang berjalan.
Apakah riwayat kredit memengaruhi bunga KPR?
Ya. Bank akan menilai riwayat kredit melalui SLIK OJK. Riwayat kredit yang baik dapat meningkatkan peluang persetujuan KPR dan membantu memperoleh penawaran pembiayaan yang lebih kompetitif.
Download Aplikasi Rumah123
Cari Agen
Aset Bank
Explore
Berita
Bantuan
Download Aplikasi
