Proses mencari hunian bagi mereka yang baru pertama kali membeli rumah alias first time buyer bisa memakan waktu yang panjang.
Ya, dewasa ini harga rumah memang tinggi. Mencari rumah pertama yang sesuai bujet adalah pekerjaan yang enggak mudah.
Para first time buyer sering kali urung mengajukan Kredit Pemilikan Rumah (KPR) akibat rumor sulitnya proses yang harus dilalui.
Padahal membeli rumah pertama bukan hal yang mustahil untuk diwujudkan, apalagi kalau mengetahui tipsnya.
{"attributes":{"type":"udp","pdp_id":["nps1776"],"custom_title":"REKOMENDASI HUNIAN PERTAMA"},"pdp":{"data":{"GetPropertiesByOriginID":{"properties":[{"uuid":"2e5876c4-e4fb-42bd-838b-b3a43ac99c2d","agent":{"organization":{"uuid":"375c5096-65af-459d-9acc-d55cb2dd2ab8","name":"Sinar Mas Land","medias":[{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/250x250-fit\/developer\/logo\/developer-logo-sinar-mas-land-01-1600160450.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/developer\/logo\/developer-logo-sinar-mas-land-01-1600160450.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/developer\/logo\/developer-logo-sinar-mas-land-01-1600160450.jpg","order":0}]}],"contacts":[{"contactType":1,"type":"EMAIL","value":"evergreen@99.co"},{"contactType":3,"type":"WHATSAPP","value":"+6285142901808"},{"contactType":2,"type":"PHONE_NUMBER","value":"+6285142901808"}],"url":"\/properti-baru\/developer\/sinar-mas-land\/1142\/"}},"location":{"uuid":"ef369418-6f17-47a4-bcb2-4895bae18869","level":0,"name":"Bsd","locationType":0,"text":"BSD, Tangerang"},"originId":{"value":"nps1776","formattedValue":"nps1776"},"price":{"minValue":1319957000,"maxValue":1334224000,"currencyType":360,"display":"Rp 1,31 Miliar - 1,33 Miliar","offer":1319957000,"unitType":0,"subDisplay":""},"title":"Casa de Parco, BSD City","medias":[{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1776\/1600667517_siteplan_1776.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1776\/1600667517_siteplan_1776.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1776\/1600667517_siteplan_1776.jpg","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}]},{"mediaType":"BROCHURE","mediaInfo":[{"mediaUrl":"","thumbnailUrl":"https:\/\/core-asset-manager.rumah123.com\/prod\/r123\/document\/c205ed246d65a4e99d282740dbe9e39b.pdf","formatUrl":null,"order":0}]},{"mediaType":"BACKGROUND","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1776\/1661496697_63086d7993d09ads_images_1776.png","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1776\/1661496697_63086d7993d09ads_images_1776.png","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1776\/1661496697_63086d7993d09ads_images_1776.png","order":0},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1776\/1601906887_5f7b28c784153ads_images_1776.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1776\/1601906887_5f7b28c784153ads_images_1776.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1776\/1601906887_5f7b28c784153ads_images_1776.jpg","order":1},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1776\/1606378592_5fbf64609ca39ads_images_1776.png","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1776\/1606378592_5fbf64609ca39ads_images_1776.png","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1776\/1606378592_5fbf64609ca39ads_images_1776.png","order":2},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1776\/1606378607_5fbf646f28a6bads_images_1776.png","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1776\/1606378607_5fbf646f28a6bads_images_1776.png","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1776\/1606378607_5fbf646f28a6bads_images_1776.png","order":3},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1776\/1606378618_5fbf647aeed26ads_images_1776.png","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1776\/1606378618_5fbf647aeed26ads_images_1776.png","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1776\/1606378618_5fbf647aeed26ads_images_1776.png","order":4},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1776\/1606378629_5fbf64853f38eads_images_1776.png","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1776\/1606378629_5fbf64853f38eads_images_1776.png","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1776\/1606378629_5fbf64853f38eads_images_1776.png","order":5},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1776\/1650617108_62626b14ba1d0ads_images_1776.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1776\/1650617108_62626b14ba1d0ads_images_1776.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1776\/1650617108_62626b14ba1d0ads_images_1776.jpg","order":6}]},{"mediaType":"LOGO","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/original\/r123\/primary_property\/project\/1776\/1601894930_5f7afa129489aads_logo_1776.jpeg","thumbnailUrl":"https:\/\/picture.rumah123.com\/original\/r123\/primary_property\/project\/1776\/1601894930_5f7afa129489aads_logo_1776.jpeg","formatUrl":"https:\/\/picture.rumah123.com\/original\/r123\/primary_property\/project\/1776\/1601894930_5f7afa129489aads_logo_1776.jpeg","order":0}]},{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/1080x720-fit\/primary_property\/project\/1776\/1661496697_63086d7993d09ads_images_1776.png","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1776\/1661496697_63086d7993d09ads_images_1776.png","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1776\/1661496697_63086d7993d09ads_images_1776.png","order":0}]}],"primaryProject":{"subUnits":[{"name":"Magnolia","properties":[{"title":"2BR","description":"Finishing Unit Apartemen\nLANTAI : Keramik Roman\/Setara\nDINDING\nDinding Luar : Prefab\/Bata Ringan Diplester Weather-resistant Acrylic Emulsion Paint\nDinding Dalam : Partisi Gypsum Board Acrylic Emulsion Paint\nKamar Mandi : Keramik Roman\/Setara\nPLAFON\nWC\/Dapur : Gypsum\/Calciboard\nRuang Lain : Beton Expose Cat\nSANITER : Toto \/ American Standard \/ Setara\nPINTU \/ JENDELA\nInterior : Engineered Door\nEksterior : Kaca dengan Rangka Aluminium\nINSTALASI LISTRIK\nTipe 2 Kamar Tidur : 2.200 VA\nJARINGAN AIR BERSIH : PDAM","uuid":"145adbb1-f603-45ed-bb99-acfd8b514bcb","medias":[{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/543233\/52a23654137a9cd575220b848a84378f.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/543233\/52a23654137a9cd575220b848a84378f.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/543233\/52a23654137a9cd575220b848a84378f.jpg","order":0}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/543233\/f6b1112ad3fb8b538ef72c808629495a.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/543233\/f6b1112ad3fb8b538ef72c808629495a.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/543233\/f6b1112ad3fb8b538ef72c808629495a.jpg","order":0}]}],"attributes":{"landSize":null,"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"50.44","formattedValue":"50.44 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":"1","formattedValue":"Apartemen"},"price":{"minValue":1319957000,"maxValue":1319957000,"currencyType":360,"display":"Rp 1,31 Miliar","offer":1319957000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/tangerang\/casa-de-parco-bsd-city\/2br\/aps19300\/"}]},{"name":"Gardenia","properties":[{"title":"2BR","description":"Finishing Unit Apartemen\nLANTAI : Keramik Roman\/Setara\nDINDING \nDinding Luar : Bata Ringan Diplester \/ Dinding Panel Weather-resistant Acrylic Emulsion Paint\nDinding Dalam : Partisi Gypsum Board Acrylic Emulsion Paint\nPLAFON\nWC\/Dapur : Gypsum\/Calciboard\nRuang Lain : Beton Expose Cat\nSANITER : Toto\/Setara\nPINTU \/ JENDELA\nInterior : Engineered Door\nEksterior : Kaca dengan Rangka Aluminium\nINSTALASI LISTRIK\nTipe 2 Kamar Tidur : 2.200 VA\nJARINGAN AIR BERSIH : PDAM","uuid":"1eb3fa4e-4d27-4675-874c-9e27e194f4f2","medias":[{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/543233\/bf17bdcdd5a003b4a5b9955101107ab7.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/543233\/bf17bdcdd5a003b4a5b9955101107ab7.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/543233\/bf17bdcdd5a003b4a5b9955101107ab7.jpg","order":0}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/543233\/395f3f10dbc18ca60363bc6dd58b632d.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/543233\/395f3f10dbc18ca60363bc6dd58b632d.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/543233\/395f3f10dbc18ca60363bc6dd58b632d.jpg","order":0}]}],"attributes":{"landSize":null,"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"50.44","formattedValue":"50.44 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":"1","formattedValue":"Apartemen"},"price":{"minValue":1334224000,"maxValue":1334224000,"currencyType":360,"display":"Rp 1,33 Miliar","offer":1334224000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/tangerang\/casa-de-parco-bsd-city\/2br\/aps19298\/"}]}]},"url":"\/perumahan-baru\/properti\/tangerang\/casa-de-parco-bsd-city\/nps1776\/"}]}}},"strapi":null,"baseUrl":"https:\/\/www.rumah123.com"}
Jadi sebelum membeli rumah pertama, ada baiknya memahami seluk-beluk sistem KPR.
Dengan mengetahui seluk-beluknya, semua yang diperlukan untuk mengajukan aplikasi KPR bisa disiapkan dengan matang.
Nah, berikut beberapa tips yang bisa diterapkan saat kamu akan membeli rumah pertama dengan sistem KPR.
| No | Tips | Penjelasan Singkat |
|---|
| 1 | Beli Saat Pameran Properti | Manfaatkan promo eksklusif di event seperti PropVaganza 2026 |
| 2 | Pilih Rumah dengan Tepat | Pertimbangkan properti baru yang sudah bekerja sama dengan bank |
| 3 | Pilih Program KPR yang Sesuai | Bandingkan suku bunga dan promo dari berbagai bank |
| 4 | Gunakan Kalkulator KPR | Simulasikan besar cicilan dan DP sebelum mengajukan |
| 5 | Bersihkan Rekam Jejak Kredit | Jaga skor kredit minimal 2 tahun sebelum pengajuan KPR |
| 6 | Jaga Alur Rekening | Hindari terlalu sering memindahkan uang antarrekening |
| 7 | Pertimbangkan Besaran DP | DP besar berarti cicilan ringan dan sebaliknya |
| 8 | Rekam Jejak Karier | Usahakan bekerja minimal 2 tahun di satu perusahaan |
| 9 | Kenali Kondisi Keuangan | Hitung DP dan cicilan sesuai kemampuan finansial |
| 10 | Sisihkan Biaya Isi Rumah | Siapkan dana tambahan untuk perabotan dan perlengkapan |
| 11 | Survei Lingkungan Rumah | Kunjungi langsung lokasi untuk menilai lingkungan sekitar |
| 12 | Baca Kontrak dengan Cermat | Pahami semua dokumen dari bank atau agen sebelum ditandatangani |
| 13 | Hindari Keputusan Emosional | Beli rumah berdasarkan pertimbangan logis bukan perasaan |
Membeli Saat Pameran Properti
Tips pertama yang bisa kamu lakukan, adalah dengan membeli saat pameran properti seperti di PropVaganza.
Kenapa harus di pameran properti? Biasanya, developer memberikan promo yang hanya berlaku saat pameran berlangsung.
Dan pada 2026 ini, tedapat PropVaganza by Rumah123 yang diselenggerakan di beragam lokasi. Kamu bisa mendatangi pameran properti terbesar dan terintegrasi di Indonesia ini untuk berkonsultasi seputar KPR dan properti.
Berikut beberapa hal menarik dari PropVaganza 2026:
- Ratusan developer terlibat: PropVaganza menjadi titik temu antara puluhan ribu calon pembeli dengan ratusan pengembang properti terpercaya dari seluruh Indonesia.
- Solusi lengkap dalam satu tempat: Pengunjung bisa mendapatkan layanan konsultasi menyeluruh, mulai dari proses jual-beli hingga sewa properti. Tersedia pula simulasi KPR yang dipandu langsung oleh para pakar di lokasi.
- Program acara yang variatif: Selain pameran, tersedia sesi talkshow bersama developer dan gathering khusus agen properti. Pengunjung juga bisa menikmati hiburan musik serta berkesempatan mendapatkan penawaran harian dan hadiah menarik.
- Hadir di lima lokasi strategis: PropVaganza 2026 akan digelar secara bergilir di AEON Mall BSD (5–10 Mei), Lippo Mall Puri (14–19 Juli), Kota Kasablanka (8–13 September), Margocity (27 Oktober–1 November), dan Central Park (1–6 Desember).
Informasi lebih lanjut mengenai PropVaganza by Rumah123 bisa kamu baca melalui halaman ini: Event Rumah123.
Pilih Rumah dengan Tepat
Sebagai pembeli rumah pertama, menentukan pilihan properti yang tepat adalah kunci utama agar investasi jangka panjangmu aman dan nyaman.
Selain properti bekas, kamu juga bisa mempertimbangkan untuk membeli properti baru.
Properti baru bisa jadi pilihan cerdas karena menawarkan banyak keuntungan, di antaranya kondisi bangunan masih prima, fasilitas lengkap, dan biasanya sudah bekerja sama dengan bank untuk mempermudah proses KPR.
Jika bingung dalam memilih rumah baru, kamu bisa menelusuri properti baru dari Rumah123.
Mengedepankan semangat #RumahUntukSemua, Rumah123 menghadirkan berbagai pilihan properti baru yang sesuai dengan kebutuhan dan budget bagi kamu pembeli properti pertama kali
Kamu bisa memanfaatkan fitur pencarian yang mudah dan filter yang detail untuk menemukan rumah impian dengan cepat.
Di tengah krisis harga seperti sekarang, strategi ini membantu kamu tetap selangkah lebih maju dalam meraih rumah pertama.
Jangan lupa manfaatkan berbagai promo yang ditawarkan, mulai dari potongan harga, DP ringan, hingga fasilitas KPR yang sudah terintegrasi dengan bank rekanan.
{"attributes":{"type":"banner","custom_title":"Raih Rumah Pertamamu Lebih Mudah!","custom_link":"https:\/\/www.rumah123.com\/perumahan-baru\/?utm_source=panduan123&utm_medium=artikel&utm_campaign=rumahuntuksemua","custom_desc":"Jelajahi properti baru di Rumah123 dan temukan strategi cerdas beli rumah di tengah krisis. #RumahUntukSemua","custom_cta":"Cek Properti Baru Sekarang","custom_background":"https:\/\/www.rumah123.com\/asset-core\/images\/wpBannerDesktop.png, https:\/\/www.rumah123.com\/asset-core\/images\/wpBannerMobile.png","pdp_id":[""]},"pdp":{"data":{"GetPropertiesByOriginID":{"properties":[]}}},"strapi":null,"baseUrl":"https:\/\/www.rumah123.com"}
Pilih Program KPR yang Sesuai
Tips berikutnya, kamu harus memperhatikan pilihan program KPR dan bank penyedianya.
Ada beberapa faktor yang harus diperhatikan, antara lain kelebihan program yang ditawarkan, tingkat suku bunga, promo, dan penalti KPR.
Setiap bank memiliki kebijakan masing-masing soal KPR, sebaiknya kamu mencari informasi secara lengkap supaya bisa memilih yang sesuai.
Di halaman bank KPR Rumah123, kamu bisa melihat beberapa info detail dari setiap program KPR bank.
Bunga KPR Terbaru
Beli properti impian dengan memilih produk KPR terbaik di Rumah123
Ada beberapa data yang harus diperhatikan saat membeli rumah KPR di halaman tersebut.
Data itu misalnya program yang tersedia seperti KPR, take over, dan kredit multiguna; syarat dan ketentuan KPR; biaya-biaya KPR; kelebihan KPR; cara mengajukan; hingga pertanyaan seputar KPR.
Jika masih bingung dengan program KPR-nya, kamu juga bisa bertanya lebih lanjut ke konsultan di Rumah123.
Silakan catat apa yang harus ditanyakan saat membeli rumah KPR, lalu klik tombol “Tanya KPR” untuk bisa bertanya seputar program KPR tertentu.
Bukan hanya KPR reguler, kini kamu juga bisa memilih program KPR lelang. Pilihan rumah aset bank dengan harga miring bisa ditelusuri di Rumah123.
{"attributes":{"type":"udp","pdp_id":["nps3357"],"custom_title":"REKOMENDASI RUMAH PERTAMA"},"pdp":{"data":{"GetPropertiesByOriginID":{"properties":[{"uuid":"a57c5a03-ec3f-431c-a13c-7d4796c2a2d0","agent":{"organization":{"uuid":"375c5096-65af-459d-9acc-d55cb2dd2ab8","name":"Sinar Mas Land","medias":[{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/250x250-fit\/developer\/logo\/developer-logo-sinar-mas-land-01-1600160450.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/developer\/logo\/developer-logo-sinar-mas-land-01-1600160450.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/developer\/logo\/developer-logo-sinar-mas-land-01-1600160450.jpg","order":0}]}],"contacts":[{"contactType":1,"type":"EMAIL","value":"evergreen@99.co"},{"contactType":3,"type":"WHATSAPP","value":"+6287751943119"},{"contactType":2,"type":"PHONE_NUMBER","value":"+6287751943119"}],"url":"\/properti-baru\/developer\/sinar-mas-land\/1142\/"}},"location":{"uuid":"4932defd-a09e-43dc-af82-8874158d12e3","level":0,"name":"Cipondoh","locationType":0,"text":"Cipondoh, Tangerang"},"originId":{"value":"nps3357","formattedValue":"nps3357"},"price":{"minValue":1700000000,"maxValue":3484073000,"currencyType":360,"display":"Rp 1,7 Miliar - 3,48 Miliar","offer":1700000000,"unitType":0,"subDisplay":""},"title":"Excelia at Banjar Wijaya","medias":[{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1917985\/050533a97f000070126d438685f56ed2.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1917985\/050533a97f000070126d438685f56ed2.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1917985\/050533a97f000070126d438685f56ed2.jpg","order":0}]},{"mediaType":"YOUTUBE","mediaInfo":[{"mediaUrl":"https:\/\/www.youtube.com\/watch?v=UIYApcLFlB8","thumbnailUrl":"https:\/\/www.youtube.com\/watch?v=UIYApcLFlB8","formatUrl":"https:\/\/www.youtube.com\/watch?v=UIYApcLFlB8","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}]},{"mediaType":"BACKGROUND","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/ffb90a9d2aa39b19d0d3d42d88bc4a5b.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/ffb90a9d2aa39b19d0d3d42d88bc4a5b.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/ffb90a9d2aa39b19d0d3d42d88bc4a5b.jpg","order":0}]},{"mediaType":"LOGO","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1917985\/c9b6dd4768af3164e7834d38fba69477.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1917985\/c9b6dd4768af3164e7834d38fba69477.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1917985\/c9b6dd4768af3164e7834d38fba69477.jpg","order":0}]},{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/ffb90a9d2aa39b19d0d3d42d88bc4a5b.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/ffb90a9d2aa39b19d0d3d42d88bc4a5b.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/ffb90a9d2aa39b19d0d3d42d88bc4a5b.jpg","order":0}]}],"primaryProject":{"subUnits":[{"name":"Excelia","properties":[{"title":"Tipe 73","description":"Pondasi : Mini Pile \/ Beton Tapak\nDinding : Bata Ringan Full System\nAtap : Penutup Atap UPVC\nPlafond Ruang Dalam : Gypsum Board, Finishing Cat\nPlafond Oversteak : Gypsum Board Water Resistant, Finishing Cat\nFinishing Dinding Luar : Cat Exterior\nFinishing Dinding Dalam : Cat Interior\nFinishing Dinding Kamar Mandi : Keramik Tile\nLantai Ruang Utama : Homogeneous Tile\nLantai Carport : Keramik Tile\nLantai Kamar Tidur : Homogeneous Tile\nJendela : Frame Alumunium Powder Coating dan Kaca\nPintu Utama : Solid Engineering Door + Smart Door Lock\nPintu Ruang Dalam Toilet : Engineering Wood Door\nPintu Ke Taman Belakang : Frame Aluminium Powder Coating dan Kaca\nSanitair : Closet Material Keramik; Wastafel + Keran; Keran Shower (Panas Dingin)\nAir : PDAM\nListrik : 2200 watt","uuid":"c84c2150-dc24-41c6-bed7-4d2800b8f4f6","medias":[{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/a19e1d20b0a22d0a33718c5616b68791.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/a19e1d20b0a22d0a33718c5616b68791.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/a19e1d20b0a22d0a33718c5616b68791.jpg","order":1},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/3d6806926097e0017a378b5fae359902.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/3d6806926097e0017a378b5fae359902.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/3d6806926097e0017a378b5fae359902.jpg","order":2}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/a630c822b20a8ab14ecec975388dd814.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/a630c822b20a8ab14ecec975388dd814.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/a630c822b20a8ab14ecec975388dd814.jpg","order":0}]},{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/d61e3ba81899cce4e8e50e606bd6cbec.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/d61e3ba81899cce4e8e50e606bd6cbec.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/d61e3ba81899cce4e8e50e606bd6cbec.jpg","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"60","formattedValue":"60 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"73","formattedValue":"73 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":"2","formattedValue":"2"}},"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\/tangerang\/excelia-at-banjar-wijaya\/tipe-73\/hos1100461\/"},{"title":"Tipe 78","description":"Pondasi : Mini Pile \/ Beton Tapak\nDinding : Bata Ringan Full System\nAtap : Penutup Atap UPVC\nPlafond Ruang Dalam : Gypsum Board, Finishing Cat\nPlafond Oversteak : Gypsum Board Water Resistant, Finishing Cat\nFinishing Dinding Luar : Cat Exterior\nFinishing Dinding Dalam : Cat Interior\nFinishing Dinding Kamar Mandi : Keramik Tile\nLantai Ruang Utama : Homogeneous Tile\nLantai Carport : Keramik Tile\nLantai Kamar Tidur : Homogeneous Tile\nJendela : Frame Alumunium Powder Coating dan Kaca\nPintu Utama : Solid Engineering Door + Smart Door Lock\nPintu Ruang Dalam Toilet : Engineering Wood Door\nPintu Ke Taman Belakang : Frame Aluminium Powder Coating dan Kaca\nSanitair : Closet Material Keramik; Wastafel + Keran; Keran Shower (Panas Dingin)\nAir : PDAM\nListrik : 2200 watt","uuid":"b4407d4e-1e5f-4fa8-94aa-2349c578f510","medias":[{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/d61e3ba81899cce4e8e50e606bd6cbec.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/d61e3ba81899cce4e8e50e606bd6cbec.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/d61e3ba81899cce4e8e50e606bd6cbec.jpg","order":0}]},{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/a19e1d20b0a22d0a33718c5616b68791.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/a19e1d20b0a22d0a33718c5616b68791.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/a19e1d20b0a22d0a33718c5616b68791.jpg","order":1},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/3d6806926097e0017a378b5fae359902.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/3d6806926097e0017a378b5fae359902.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/3d6806926097e0017a378b5fae359902.jpg","order":2}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/ea6045ce59fc2137304295ef82fd527f.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/ea6045ce59fc2137304295ef82fd527f.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/ea6045ce59fc2137304295ef82fd527f.jpg","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"66","formattedValue":"66 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"78","formattedValue":"78 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":"2","formattedValue":"2"}},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":1900000000,"maxValue":1900000000,"currencyType":360,"display":"Rp 1,9 Miliar","offer":1900000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/tangerang\/excelia-at-banjar-wijaya\/tipe-78\/hos2100462\/"},{"title":"Tipe 82","description":"Pondasi : Mini Pile \/ Beton Tapak\nDinding : Bata Ringan Full System\nAtap : Penutup Atap UPVC\nPlafond Ruang Dalam : Gypsum Board, Finishing Cat\nPlafond Oversteak : Gypsum Board Water Resistant, Finishing Cat\nFinishing Dinding Luar : Cat Exterior\nFinishing Dinding Dalam : Cat Interior\nFinishing Dinding Kamar Mandi : Keramik Tile\nLantai Ruang Utama : Homogeneous Tile\nLantai Carport : Keramik Tile\nLantai Kamar Tidur : Homogeneous Tile\nJendela : Frame Alumunium Powder Coating dan Kaca\nPintu Utama : Solid Engineering Door + Smart Door Lock\nPintu Ruang Dalam Toilet : Engineering Wood Door\nPintu Ke Taman Belakang : Frame Aluminium Powder Coating dan Kaca\nSanitair : Closet Material Keramik; Wastafel + Keran; Keran Shower (Panas Dingin)\nAir : PDAM\nListrik : 2200 watt","uuid":"75104c06-a46e-49c7-ba2c-08f7926006df","medias":[{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/d61e3ba81899cce4e8e50e606bd6cbec.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/d61e3ba81899cce4e8e50e606bd6cbec.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/d61e3ba81899cce4e8e50e606bd6cbec.jpg","order":0}]},{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/a19e1d20b0a22d0a33718c5616b68791.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/a19e1d20b0a22d0a33718c5616b68791.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/a19e1d20b0a22d0a33718c5616b68791.jpg","order":1},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/3d6806926097e0017a378b5fae359902.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/3d6806926097e0017a378b5fae359902.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/3d6806926097e0017a378b5fae359902.jpg","order":2}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/5e7a4b7164423b1e96082e0fb443f9ae.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/5e7a4b7164423b1e96082e0fb443f9ae.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/5e7a4b7164423b1e96082e0fb443f9ae.jpg","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"72","formattedValue":"72 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"82","formattedValue":"82 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":"2","formattedValue":"2"}},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":2554894000,"maxValue":2554894000,"currencyType":360,"display":"Rp 2,55 Miliar","offer":2554894000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/tangerang\/excelia-at-banjar-wijaya\/tipe-82\/hos3100463\/"},{"title":"Tipe 144","description":"Pondasi : Mini Pile \/ Beton Tapak\nDinding : Bata Ringan Full System\nAtap : Penutup Atap UPVC\nPlafond Ruang Dalam : Gypsum Board, Finishing Cat\nPlafond Oversteak : Gypsum Board Water Resistant, Finishing Cat\nFinishing Dinding Luar : Cat Exterior\nFinishing Dinding Dalam : Cat Interior\nFinishing Dinding Kamar Mandi : Keramik Tile\nLantai Ruang Utama : Homogeneous Tile\nLantai Carport : Keramik Tile\nLantai Kamar Tidur : Homogeneous Tile\nJendela : Frame Alumunium Powder Coating dan Kaca\nPintu Utama : Solid Engineering Door + Smart Door Lock\nPintu Ruang Dalam Toilet : Engineering Wood Door\nPintu Ke Taman Belakang : Frame Aluminium Powder Coating dan Kaca\nSanitair : Closet Material Keramik; Wastafel + Keran; Keran Shower (Panas Dingin)\nAir : PDAM\nListrik : 2200 watt","uuid":"552e5032-470e-49d8-9d68-508002c76a64","medias":[{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/a19e1d20b0a22d0a33718c5616b68791.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/a19e1d20b0a22d0a33718c5616b68791.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/a19e1d20b0a22d0a33718c5616b68791.jpg","order":1},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/3d6806926097e0017a378b5fae359902.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/3d6806926097e0017a378b5fae359902.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/3d6806926097e0017a378b5fae359902.jpg","order":2}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/b1f9e7cfd88cba2d937e3da14d3036dd.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/b1f9e7cfd88cba2d937e3da14d3036dd.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/b1f9e7cfd88cba2d937e3da14d3036dd.jpg","order":0}]},{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/1080x720-fit\/customer\/1971002\/8ee7280021fb8ba7138b660ebf456139.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/8ee7280021fb8ba7138b660ebf456139.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/8ee7280021fb8ba7138b660ebf456139.jpg","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"144","formattedValue":"144 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"78","formattedValue":"78 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":"2","formattedValue":"2"}},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":3484073000,"maxValue":3484073000,"currencyType":360,"display":"Rp 3,48 Miliar","offer":3484073000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/tangerang\/excelia-at-banjar-wijaya\/tipe-144\/hos5101105\/"}]}]},"url":"\/perumahan-baru\/properti\/tangerang\/excelia-at-banjar-wijaya\/nps3357\/"}]}}},"strapi":null,"baseUrl":"https:\/\/www.rumah123.com"}
Gunakan Kalkulator KPR Sebagai Gambaran
Foto: housing.com
Masih bingung dengan sistem KPR? Kamu dapat menggunakan kalkulator KPR guna memberikan gambaran soal besar angsuran, DP, dan informasi lainnya.
Rumah123 memiliki fitur kalkulator KPR dengan informasi lengkap dan tentunya mudah untuk digunakan.
Ketahui besar cicilan, jumlah DP, uang yang harus disiapkan, hingga estimasi hunian yang sesuai dengan kemampuan.
Simulasi Gaji KPR
Cari tahu kemampuan cicilan KPR berdasarkan penghasilan.
Bersihkan Rekam Jejak Kredit
Rekam jejak kredit pasti akan ditelusuri oleh pihak bank saat kamu mengajukan aplikasi KPR.
Jadi langkah penting yang harus dilakukan sebelum mengajukan aplikasi KPR, yaitu menjaga pola pembayaran semua tagihan.
Alangkah baiknya jika kamu menjaga rekam jejak kredit secara baik selama dua tahun sebelum aplikasi pengajuan KPR.
Untuk mendapatkan gambaran mengenai rekam jejak kredit pribadi, kamu bisa mengecek skor kredit melalui SLIK OJK (dulu BI Checking). Berikut caranya:
- Buka laman idebku.ojk.go.id
- Klik Pendaftaran.
- Isi kolom jenis debitur, kewarganegaraan, jenis identitas, nomor identitas, dan captcha.
- Klik Selanjutnya.
- Isi data diri seperti nama lengkap, NIK, nomor telepon, alamat e-mail, dan alamat rumah.
- Unggah dokumen yang dibutuhkan dan foto.
Selanjutnya, pihak OJK akan melakukan verifikasi dan kamu harus mencetak formulir, menandatanganinya, serta mengirimkannya melalui nomor WA yang tertera pada e-mail.
Pihak OJK akan melakukan verifikasi lanjutan, melakukan video call, dan mengirimkan iDeb atau detil catatan riwayat pinjaman debitur yang dikirim melalui e-mail.
Beberapa skor kredit yang mesti kamu ketahui adalah:
- Skor 1 (lancar).
- Skor 2 (dalam perhatian khusus).
- Skor 3 (kurang lancar).
- Skor 4 (diragukan).
- Skor 5 (macet).
Jaga Alur Rekening
Hal yang harus diperhatikan saat membeli rumah KPR berikutnya adalah menjaga alur rekening. Pasalnya, jika kamu terlalu sering memindahkan uang antarrekening, pihak bank akan mempertanyakannya.
Meskipun bukan isu besar, tetapi bisa menjadi salah satu bahan pertimbangan akhir pengajuanmu.
Jadi apabila beberapa tahun ke depan kamu berencana membeli rumah dengan sistem KPR, sebaiknya jaga alur rekening dari sekarang.
Pertimbangkan Besaran Uang Muka
Bank Indonesia (BI) saat ini sudah memberi kewenangan kepada pihak bank dalam menentukan besar uang muka alias down payment (DP).
Jika mempunyai dana lebih, maka enggak ada salahnya untuk memaksimalkan DP.
DP maksimal bisa memperkecil jumlah angsuran setiap bulannya. Dengan begini akan lebih ringan ke depannya, bukan?
Untuk tips membeli rumah KPR lebih detail, berikut adalah beberapa kelebihan dan kekurangan DP besar dan DP kecil.
Kelebihan DP Besar
- Cicilan bulanan dan bunganya semakin kecil.
- Pengajuan KPR lebih mudah disetujui bank.
Kekurangan DP Besar
- Waktu membeli rumah bisa lebih lama, karena harus banyak menabung DP.
Kelebihan DP Kecil
- Gaji pas-pasan masih bisa beli rumah.
Kekurangan DP Kecil
- Cicilan bulanan dan bunganya bisa semakin besar.
- Waktu pelunasan bisa lebih lama.
- Proses pengajuan KPR bisa lebih lama.
Masih bingung menentukan DP rumah KPR? Ketahui tips KPR rumah dari ahlinya di Rumah123.
{"attributes":{"type":"banner","custom_title":"KPR Rumah 123","custom_link":"https:\/\/www.rumah123.com\/kpr\/?utm_source=panduan123&utm_medium=artikel&utm_campaign=kpr&utm_term=kpr","custom_desc":"Solusi Punya Rumah Jadi Lebih Mudah","custom_cta":"Lihat Selengkapnya","custom_background":"https:\/\/www.rumah123.com\/asset-core\/images\/wpBannerDesktop.png, https:\/\/www.rumah123.com\/asset-core\/images\/wpBannerMobile.png","pdp_id":[""]},"pdp":{"data":{"GetPropertiesByOriginID":{"properties":[]}}},"strapi":null,"baseUrl":"https:\/\/www.rumah123.com"}
Rekam Jejak dalam Karier
Ingat, konsistensi dalam rekam jejak karier juga mempengaruhi penilaian saat mengajukan KPR.
Nah, untuk memperbesar peluang pengajuan KPR diterima, setidaknya kamu sudah bekerja selama dua tahun di satu perusahaan.
Sering berpindah kerja dengan status karyawan yang tidak menentu bisa memperkecil peluang tersebut.
Kenali Kondisi Keuangan
Foto: housing.com
Sebelum benar-benar mengajukan KPR, coba diskusikan terlebih dahulu dengan pihak bank.
Hitung dengan seksama berapa besaran DP dan cicilan per bulan yang harus kamu bayar
Lalu jangan lupakan soal panjang tenor atau jangka waktu pelunasan kredit, karena ini juga akan mempengaruhi jumlah angsuran.
Sebagai tips beli rumah, ketahui terlebih dahulu keuntungan dan kerugian tenor panjang dan tenor pendek berikut ini.
Keuntungan KPR Tenor Panjang
- Leluasa mengatur keuangan.
- Cicilan bulanan lebih ringan.
Kerugian KPR Tenor Panjang
- Beban psikologis karena menanggung utang dalam jangka panjang.
- Beban biaya, seperti bunga, bisa bertambah.
- Bisa mengalami kemacetan pembayaran apabila terjadi perubahan iklim makro ekonomi jangka panjang.
Keuntungan KPR Tenor Pendek
- Beban bunga yang ditanggung lebih sedikit.
- Terhindar dari beban utang jangka panjang.
- Bebas rasa khawatir yang mendera karena utang masih panjang.
Kerugian KPR Tenor Pendek
- Tak semua pemohon bisa disetujui, karena faktor penghasilan.
- Lebih rawan mengalami macet, karena cicilan besar bisa banyak menyita penghasilan bulanan.
- Uang muka lebih besar.
Ingin bertanya lebih lanjut soal tenor KPR? Konsultasikan dengan ahlinya di KPR Rumah123!
Simulasi Gaji KPR
Cari tahu kemampuan cicilan KPR berdasarkan penghasilan.
Sisihkan Sebagian Biaya untuk Membeli Isi Rumah
Ingat, bukan hanya dana untuk DP dan angsuran yang perlu kamu pikirkan. Selain itu, siapkan juga dana untuk membeli isi rumah.
Kamu tidak mungkin menjalani kehidupan dengan baik di rumah yang kosong, kan? Pasalnya kebutuhan tidak akan terpenuhi.
Prioritaskan untuk membeli isi rumah yang sangat diperlukan, akan lebih baik apabila dibuat list-nya.
Sebagai tambahan tips membeli rumah, berikut adalah perabotan atau isi rumah yang mesti dibeli.
Perabotan Utama
- Sofa atau kursi.
- Meja makan dan kursi.
- Tempat tidur dan kasur.
- Lemari pakaian.
- Meja dan kursi kerja (jika diperlukan).
- Lemari penyimpanan atau rak.
Perlengkapan Dapur
- Peralatan masak seperti panci, wajan, spatula, sendok, dan pisau dapur.
- Peralatan makan dan minum.
- Kulkas dan kompor.
Peralatan Elektronik
- Televisi
- Mesin cuci
- Kipas atau AC.
- Lampu dan lampu tidur.
- Setrika dan papan setrika.
Perlengkapan Kamar Mandi
- Handuk
- Sabun, sampo, dan kondisioner.
- Karpet kamar mandi.
- Shower curtain.
- Dispenser sabun dan tempat sikat gigi.
Kebersihan
- Alat pembersih seperti sapu, pel, dan ember.
- Vacuum cleaner.
- Ember dan sikat toilet.
- Tempat sampah.
Survei Lingkungan Rumah
Sudah mencari hunian secara online, lalu menemukan pilihan yang klik? Maka langkah selanjutnya adalah survei.
Saat melakukan survei berarti kamu harus turun langsung ke lapangan untuk mengamati dan mempelajari lingkungan rumah.
Perhatikan seperti apa tempat tinggal kamu, tetangga, dan sebagainya agar mudah beradaptasi ke depannya.
Baca Kontrak dengan Cermat
Saat membeli rumah, baik yang pertama atau kedua dan seterusnya, kamu harus sangat cermat dalam membaca berbagai kontrak.
Kontrak tersebut bisa berupa surat-surat atau dokumen penting dari bank atau agen penjual rumah.
Jika ada istilah yang tidak dimengerti, maka tanya hingga semuanya jelas dan bisa dipahami.
Hindari Membeli Rumah karena Faktor Emosional
Tips selanjutnya, hindari membeli properti karena perasaan.
Tips yang satu ini memang terdengar sepele, tetapi tidak kalah penting dari tips lainnya.
Ingat, hal yang sedang kamu beli adalah rumah.
Jadi usahakan jangan terpikat oleh hal-hal emosional, baik dari iklan maupun dari kehidupan personal, yang bisa mempengaruhi keputusan pembelian rumah.
Itu dia tips-tips membeli rumah pertama dengan sistem KPR. Semoga informasi ini bermanfaat untuk kamu sebagai first time buyer.
Mau ngobrolin apapun soal properti? Yuk ke Teras123, dari jual beli properti, KPR sampai share pengalaman kamu juga bisa lho di sini!
Download Aplikasi Rumah123
Cari Agen
Aset Bank
Explore
Berita
Bantuan
Download Aplikasi
