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Pengertian Grace Period dalam KPR, Contoh dan Cara Pengajuannya

Terakhir diperbarui 28 Februari 2024 · 4 min read · by Septian Nugraha

Grace Period

Istilah grace period barangkali masih kurang familiar di telinga masyarakat. 

Namun, fitur ini sejatinya dapat bermanfaat bagi Anda jika mengalami kesulitan finansial yang berimbas pada macetnya pembayaran KPR.

Jadi, apa itu grace period KPR? Secara garis besar, grace period adalah salah satu fitur yang tersedia dalam Kredit Pemilikan Rumah (KPR)

Yuk, ketahui pengertian lengkap beserta ketentuan pengajuannya di bawah ini!

Apa Itu Grace Period?

Apa Itu Grace Period

Grace period adalah pemberian masa tenggang pembayaran utang. 

Ini merupakan salah satu fitur dari lembaga perbankan untuk membantu debitur yang mengalami kesulitan dalam membayar cicilan KPR karena masalah finansial. 

Merujuk Kamus Besar Bahasa Indonesia (KBBI), grace period adalah kelonggaran waktu (masa tenggang) dalam melakukan pelunasan pinjaman pokok dan bunganya.

Dengan kata lain, debitur yang mengajukan fitur ini bisa diberi kelonggaran waktu untuk melunasi kredit ke lembaga perbankan. 

Kelonggaran waktu yang diberikan tentu terbatas jangka waktu. 

Pasalnya, sifat dari fitur ini hanya membantu meringankan beban debitur yang mengalami kesulitan bayar saat tiba tanggal jatuh tempo.

Durasi Grace Period

Lalu, berapa lama masa tenggang diberikan? Setiap bank memiliki kebijakan berbeda terkait pemberian kelonggaran waktu pembayaran cicilan kredit yang tertunda. 

Namun, rata-rata bank memberikan masa tenggang berkisar 15–30 hari.

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Contohnya Anda harus melunasi transaksi pada tanggal 10 Januari, maka transaksi per tanggal 11–18 Januari masuk ke dalam masa tenggang.

Selain berkaitan dengan pembayaran KPR, fitur ini juga kerap ada dalam sejumlah layanan kredit dari lembaga perbankan, salah satunya adalah kartu kredit. 

Kemudian, masa tenggang juga sering ditemukan dalam pembayaran lain yang berkaitan dengan properti, seperti:

  • Pembayaran pajak bangunan: Terkadang tenggat waktu pembayaran diperpanjang hingga 10 hari setelah tanggal jatuh tempo pembayaran normal.
  • Tagihan asuransi bangunan: Perusahaan asuransi yang menyediakan layanan asuransi properti, memberikan tenggat waktu yang cukup bervariasi. Ada yang memberikan perpanjangan 24 jam, ada juga yang memberikan perpanjangan hingga 30 hari.
  • Pembayaran sewa bangunan: Pemberian masa tenggang dalam pembayaran sewa adalah salah satu bentuk masa tenggang, baik penyewaan properti yang mempunyai kontrak hukum atau berlandaskan kepercayaan saja.

Cara Kerja Grace Period dalam Pembayaran KPR

Cara Kerja Grace Period dalam Pembayaran KPR

Patut diketahui, dalam pengajuan KPR, fitur masa tenggang tidak sama sekali berhubungan dengan developer atau perusahaan properti.

Fitur ini hanya berlaku di antara nasabah dan pihak kreditur seperti bank.

Misalnya Anda mengajukan KPR OCBC NISP untuk pembelian unit rumah di Parkland Podomoro

Anggaplah bank memberikan masa tenggang pembayaran cicilan KPR kepada seorang nasabah selama 15 hari.  

Patut diketahui, fitur tersebut diberikan untuk pemberian masa tenggang, bukan subsidi.

Jadi, yang dilakukan oleh bank hanyalah menunda pembayaran bunga cicilannya selama 15 hari.

Penerapan fitur ini terbilang fleksibel, maksudnya ada bank yang memberlakukan masa tenggang untuk bunga cicilan saja. 

Sementara, pinjaman pokoknya harus tetap dibayar tepat waktu.

Namun, ada juga yang menerapkan masa tenggang untuk pembayaran keduanya, sehingga pinjaman pokok dan bunga dapat dibayar sampai tenggat waktu itu berakhir.

Syarat Mendapatkan Grace Period

Syarat Mendapatkan Grace Period

Masa tenggang ini tidak diberikan secara sembarangan, artinya diberikan secara selektif oleh bank penyalur KPR konvensional dan KPR rumah subsidi.

Ketentuan pemberian fitur ini pun diatur oleh Otoritas Jasa Keuangan (OJK) lewat Peraturan OJK 03/2015. 

Disebutkan dalam beleid tersebut, bahwa terdapat beberapa syarat agar bisa mendapatkan masa tenggang, yakni:

  • Setinggi-tingginya (berstatus) “Kurang Lancar,” untuk kredit yang sebelum direstrukturisasi tergolong “Diragukan” atau “Kredit Macet.“
  • Kualitas tidak berubah untuk kredit yang sebelum direstrukturisasi tergolong “Lancar,” “Dalam Perhatian Khusus,” atau “Kurang Lancar.”
  • Kualitas kredit sebagaimana dimaksud pada huruf A dan huruf B dapat;
    • Menjadi “Lancar” apabila tidak terdapat tunggakan selama 3 (tiga) kali periode pembayaran angsuran pokok dan/atau bunga secara berturut-turut, sesuai dengan perjanjian restrukturisasi kredit.
    • Kembali sesuai dengan kualitas kredit sebelum dilakukan restrukturisasi kredit atau kualitas yang sebenarnya, apabila terdapat tunggakan pembayaran bunga dalam 3 (tiga) kali periode pembayaran berturut-turut.

Keuntungan Fitur Masa Tenggang dalam Pembayaran KPR

Keuntungan Fitur Grace Period dalam Pembayaran KPR

Sekarang Anda sudah mengetahui apa itu masa tenggang dari bank beserta cara kerjanya, lalu apa saja keuntungan yang ditawarkan oleh fitur ini?

Bagi Anda yang mungkin akan menggunakan masa tenggang dalam pembayaran KPR, mari simak beberapa keuntungannya di bawah ini:

1. Waktu Pembayaran Kredit Lebih Lama

Fitur ini menawarkan kemudahan dalam bentuk kelonggaran waktu pelunasan tagihan.

Dengan begitu, Anda bisa membayar tagihan KPR saat tanggal jatuh tempo lewat.

Nantinya, setiap transaksi yang terjadi akan dihitung sebagai tagihan di bulan berikutnya.

2. Tidak Dikenakan Bunga

Selain waktu pembayaran yang lebih lama, transaksi yang terjadi selama masa tenggang pun tidak dikenai bunga sepeserpun.

Fitur ini tentunya sangat menguntungkan bagi Anda yang sedang kesulitan untuk membayar cicilan rumah tepat waktu.

3. Menghindarkan dari Blacklist

Dengan masa tenggang, Anda bisa melakukan pembayaran setelah tanggal jatuh tempo tanpa harus masuk ke dalam daftar hitam (blacklist) bank.

Meski pemberian masa tenggang adalah fitur yang menawarkan sederet kemudahan, Anda harus tetap harus bijak dalam mengelola finansial.

Bagaimana, cukup mudahkan memahami apa itu grace period.

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