Bagi yang kesulitan membayar angsuran Kredit Pemilikan Rumah alias KPR, penting untuk mengetahui contoh surat permohonan keringanan pembayaran KPR.
Kami punya beberapa contoh surat tersebut, mulai dari contoh surat permohonan keringanan angsuran Bank Rakyat Indonesia (BRI) sampai Bank Tabungan Negara (BTN).
Debitur dapat mengajukan surat itu kepada bank untuk meringankan pembayaran suku bunga atau memperpanjang masa jatuh tempo. Hal inilah yang disebut restrukturisasi kredit.
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Apa yang Dimaksud dengan Restrukturisasi Kredit?
Restrukturisasi kredit adalah upaya perbaikan yang dilakukan dalam kegiatan perkreditan terhadap debitur yang berpotensi mengalami kesulitan untuk memenuhi kewajibannya.
Kebijakan restrukturisasi kredit bukan meringankan bunga atau memperpanjang masa jatuh tempo saja. Namun, ada kebijakan lain yang dapat diberikan oleh bank.
Berikut informasi selengkapnya berdasarkan informasi dari halaman resmi Otoritas Jasa Keuangan (OJK).
- Perpanjangan jangka waktu kredit.
- Pengurangan tunggakan bunga kredit.
- Pengurangan tunggakan pokok kredit.
- Penambahan fasilitas kredit.
- Konversi kredit menjadi penyertaan modal sementara.
Tanya seputar KPR
Kebijakan restrukturisasi kredit akan membantu Anda bila situasi keuangan kurang stabil. Surat permohonan berperan sebagai jembatan penghubung antara Anda dan solusi finansial.
Membuat surat permohonan perpanjangan jatuh tempo atau keringanan bunga harus benar agar diterima oleh bank. Berikut contoh yang dapat kamu amati, modifikasi dan tiru.
Namun perlu digarisbawahi, umumnya setiap bank punya format surat masing-masing yang disesuaikan dengan peraturan yang berlaku di perusahaannya.
Format surat OCBC NISP pasti berbeda dengan bank lain. Begitu juga dengan BRI, BTN, Bank Mandiri, Bank Permata atau bank-bank lainnya, nah sekarang langsung kita lihat, yuk!
Begini Contoh Surat Permohonan Keringanan Kredit KPR
Contoh Surat Permohonan Penurunan Suku Bunga KPR Bank BTPN
Foto: BTPN
Contoh Surat Permohonan Restrukturisasi Kredit Bank Mandiri
Foto: Bank Mandiri
Contoh Surat Permohonan Penurunan Suku Bunga KPR BRI
Foto contoh surat perpanjangan jatuh tempo: pinjaman.bri.co.id
Contoh Surat Permohonan Keringanan Pembayaran KPR OCBC NISP
Foto: OCBC NISP
Contoh Surat Permohonan Restrukturisasi KPR BTN Syariah
Foto: Puri Delta Asri Official
Data yang Wajib Tercantum pada Surat Permohonan Keringanan Pembayaran KPR
Bila melihat contoh-contoh di atas, kami dapat menyimpulkan bahwa ada sejumlah data yang perlu dipastikan sebelum mengajukan surat permohonan restrukturasi, berikut detailnya.
- Fotokopi Kartu Tanda Penduduk (KTP)
- Salinan Nomor Pokok Wajib Pajak (NPWP)
- Fotokopi Kartu Keluarga (KK)
- Surat keterangan Pemutusan Hubungan Kerja (PHK) (jika ada).
- Salinan surat/akta nikah (jika ada).
- Buku tabungan
Itulah beberapa data yang bisa disiapkan terlebih dulu sebelum Anda membuat surat permohonan keringanan angsuran.
Setelah memenuhi syarat dan ketentuan yang berlaku, selanjutnya Anda tinggal mengajukan ke bank permohonan penangguhan KPR tersebut.
Ikuti prosedur dari customer service dan pastikan untuk selalu jujur agar permohonan keringanan KPR disetujui.
Baca juga:
Pengertian, Dampak dan Cara Mengatasi Kredit Macet
Alasan Mengajukan Surat Permohonan Keringanan Kredit KPR
Foto: Berkshire Hathaway Home
Seperti dijelaskan sebelumnya, surat permohonan keringanan kredit KPR berguna bagi mereka yang merasa tidak mampu membayar bunga KPR yang ditetapkan bank.
Ada sejumlah kondisi yang biasanya dijadikan alasan oleh nasabah ketika mengajukan keringanan KPR, misalnya seperti ini.
- Kondisi pandemi.
- Musibah atau bencana alam.
- Kebakaran rumah.
- PHK
Nah OJK memaparkan beberapa persyaratan bagi debitur yang ingin mengajukan restrukturisasi kredit kepada bank, yaitu sebagai berikut.
- Debitur mengalami kesulitan pembayaran pokok dan/atau bunga kredit; dan
- Debitur memiliki prospek usaha yang baik dan dinilai mampu memenuhi kewajiban setelah kredit direstrukturisasi. Sebagai catatan, bisa jadi bank meminta surat pernyataan kesanggupan membayar hutang.
Itulah hal-hal yang perlu Anda ketahui tentang contoh surat permohonan perpanjangan jatuh tempo, keringanan suku bunga kredit atau angsuran pokok terkait KPR.
Semoga informasinya bermanfaat!
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FAQ
Berikut beberapa pertanyaan yang sering ditanyakan oleh warganet tentang topik ini.
Apakah bisa minta keringanan KPR?
Berdasarkan poin-poin daftar kebijakan restrukturisasi kredit yang dipaparkan oleh OJK, seharusnya debitur dapat meminta keringanan kredit.
Bisakah minta penurunan suku bunga KPR?
Ya, kita dapat meminta penurunan suka bunga KPR. Jika permohonan tidak diterima, maka Anda dapat mencari solusi lain misalnya pindah bank KPR.
Apakah KPR bisa direstrukturisasi?
Seperti yang sudah dijelaskan, KPR dapat direstrukturisasi.
Apakah angsuran bank bisa diperkecil?
Angsuran dapat diperkecil dengan meringankan suku bunga atau menurunkan angsuran pokok.
Ada pertanyaan tentang permohonan keringanan pembayaran KPR? Temukan jawabannya di forum properti Teras123.
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