Kapan cicilan pertama setelah akad kredit rumah KPR dibayarkan?
Itu adalah pertanyaan yang bisa jadi terpikirkan saat hendak membeli rumah menggunakan Kredit Pemilikan Rumah (KPR).
Perlu diketahui, waktu pembayaran cicilan pertama setelah akad kredit rumah dibayar itu berbeda-beda.
Misalnya saja BTN, angsuran pertama KPR BTN dibayarkan 1-2 bulan setelah akad dilakukan.
Untuk bank lain, bisa saja waktu pembayarannya sama atau berbeda.
Agar tak bingung, Anda mesti melihat penjelasan terkait cicilan rumah pertama setelah akad di bawah ini.
Jadi bisa lebih matang dalam mempersiapkan biaya saat beli rumah baru seperti di Podomoro Park Bandung.
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Mengenal Pelaksanaan Pra-akad Kredit Rumah
Ada pelaksanaan pra-akad kredit rumah sebelum melaksanakan akad kredit.
Pada tahap ini, pihak bank menjelaskan beberapa hal, seperti:
ketentuan umum,
jangka waktu kredit,
ketentuan suku bunga, dan
besaran angsuran yang mesti dibayar.
Kemudian, pihak bank juga akan bertanya mengenai skema yang sesuai dan diinginkan oleh calon debitur.
Lalu, pihak bank juga akan meminta calon debitur menjelaskan informasi seputar data diri dan memilih tenor pinjaman.
Pada tahap ini, banyak juga calon debitur yang tidak lolos verifikasi setelah proses analisis dari pihak bank.
Karena itu, calon debitur mesti mengetahui dulu kemampuan KPR masing-masing. Caranya, bisa melalui fitur yang disediakan Rumah123 berikut ini:
Simulasi Kemampuan KPR
Cari tahu kemampuan cicilan KPR berdasarkan penghasilan.
Hasil Simulasi
Memuat hasil simulasi...
Harga Properti Maksimal
Rp.
3.560.495.673
Angsuran maksimal yang disarankan
Rp.
30.000.000
Uang muka yang harus disiapkan
Rp.
712.099.135
*Hasil berdasarkan suku bunga terendah di Rumah123, dan asumsi kamu tidak
memiliki cicilan bulanan lain yang berjalan saat ini.
Bantu Saya Dapatkan KPR
Jika pengajuan KPR disetujui, akan terbit Surat Penegasan Persetujuan Pemberian Kredit (SP3K) yang berisi biaya dan ketentuan proses akad.
Berikutnya, tanda tangan akad kredit pun akan dilakukan.
Dokumen yang Diterima Setelah Akad Kredit KPR
Setelah proses akad kredit KPR, debitur akan menerima hak sebagai pembeli rumah.
Hak yang dimaksud adalah dokumen penting yang menjadi bukti adanya perjanjian pembelian rumah melalui kredit dan dokumen penting lainnya.
Berikut beberapa dokumen yang didapatkan setelah akad kredit KPR:
Akta Jual Beli ( AJB )
Fotokopi Sertifikat Hak Atas Tanah
Surat Perjanjian Kredit
Surat Pengakuan Hutang dan Kuasa Menjual
Polis Asuransi
Sertifikat Izin Mendirikan Bangunan ( IMB )
Surat Kuasa Memberikan Hak Tanggungan ( SKMHT )
Nah, setelah proses ini, barulah Anda akan melakukan pembayaran cicilan pertama setelah akad kredit rumah.
Pembayaran Cicilan Pertama Setelah Akad Kredit
Anda otomatis menjadi pemilik sah dari rumah yang dibeli setelah proses akad.
Namun untuk serah terima kunci, waktunya berbeda-beda.
Jika Anda membeli rumah siap huni , serah terima kunci bisa segera dilakukan.
Namun apabila rumahnya berstatus inden, Anda masih harus menunggu lagi beberapa waktu hingga pembangunannya selesai.
Simulasi KPR Bank OCBC
Hitung pembiayaan KPR Bank OCBC dengan bunga terbaik di Rumah123
Angsuran/bulan mulai dari
Memuat hasil simulasi...
Tahun ke-4 dan Seterusnya
Estimasi Bunga 12%
Rp. 2.450.134
Tanya KPR
Dan meski rumahnya belum bisa ditempati, proses cicilan pertama setelah akad kredit masih tetap harus dibayarkan.
Jadi, pastikan Anda mengetahui nomor debitur yang dikeluarkan pihak bank ketika akad kredit berlangsung.
Nomor 16 digit itu dapat ditemukan pada surat perjanjian kredit.
Fungsinya adalah sebagai kode pembayaran nonautodebit dan sebagai nomor identitas debitur.
Perlu diketahui pula, pada saat pembayaran cicilan pertama setelah akad kredit, Anda biasanya wajib membayar biaya lainnya, mulai dari biaya provisi , asuransi, dan appraisal.
Baca juga :
Rincian Biaya Akad KPR dalam Transaksi Jual-Beli Rumah
Metode Pembayaran dan Konsekuensi Telat Bayar KPR
Ada beberapa cara yang bisa dipilih oleh debitur dalam membayar cicilan KPR.
Pertama, ada sistem autodebit dari rekening. Proses in membuat debitur tak perlu repot menyetorkan uang melalui teller atau mesin ATM.
Kedua, ada cara membayar dengan secara langsung menyetorkannya ke bank.
Hal lain yang mesti diperhatikan seputar pembayaran cicilan KPR adalah soal konsekuensi telat bayar.
Ambil contoh, Anda dan pihak bank telah sepakat, cicilan KPR wajib dibayarkan pada tanggal 7 setiap bulannya.
Jika ingin setor langsung ke bank, Anda harus membayarnya sebelum tanggal 7.
Sementara itu, apabila ingin menggunakan sistem autodebit, Anda harus memastikan jumlah saldo dalam rekeningnya cukup sebelum tanggal 7.
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Tips agar Cicilan KPR Berjalan Lancar
Setelah membayar cicilan KPR pertama, tentu Anda harus membayar cicilan-cicilan berikutnya, sampai lunas.
Berikut adalah beberapa tips yang bisa diikuti agar cicilan KPR berjalan lancar.
1. Siapkan Dana Khusus
Sebaiknya, buat rekening terpisah untuk pembayaran cicilan agar tidak tercampur dengan kebutuhan lain.
Atau, jika Anda memiliki tabungan di bank digital, bisa memanfaatkan fitur pemisahan pocket agar dana untuk cicilan bisa dipisahkan.
2. Pantau Keuangan
Evaluasi secara rutin pengeluaran bulanan untuk memastikan alokasi dana KPR tetap stabil.
Pastikan tidak ada pengeluaran berlebihan pada aspek yang tidak terlalu krusial.
3. Pertimbangkan Refinancing
Jika bunga terlalu tinggi, pertimbangkan untuk mengajukan refinancing untuk meringankan cicilan.
Ada juga beberapa bank yang menerima take over KPR, sehingga Anda bisa mendapatkan tenor lebih panjang agar cicilan lebih ringan.
4. Siapkan Dana Darurat
Siapkan juga dana cadangan setara 3-6 bulan cicilan, untuk mengantisipasi kondisi darurat.
Dana ini bisa digunakan jika Anda tidak memiliki penghasilan karena alasan tertentu.
Baca juga: Biaya Take Over KPR dari Sejumlah Bank di Indonesia
***
Nah, itu dia beberapa penjelasan seputar waktu pembayaran cicilan pertama setelah akad kredit rumah.
Sudah paham proses pembayaran cicilan pertama setelah akad kredit?
Jika belum, Anda bisa bertanya di forum Teras123!
Tentang Saya
Yongky Yulius adalah penulis yang memiliki pengalaman lebih dari lima tahun. Pernah jadi reporter & editor berita di media massa. Kini fokus mengulas soal desain rumah, info KPR, dan tips jual-beli properti.
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