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Contoh Kwitansi Pembayaran DP Rumah (Download)

Dipublikasikan 02 Februari 2024 · 3 min read · by Miyanti Rahman

Ilustrasi contoh kwitansi DP rumah: Canva

Ketika membeli rumah dengan skema pembayaran kredit, membayar down payment alias DP adalah langkah pertamanya. Lalu, seperti apa contoh kwitansi pembayaran DP rumah?

Uang muka atau down payment (DP) (dalam Kamus Besar Bahasa Indonesia disebut juga panjar) artinya uang tunai yang dibayarkan di awal pembelian sebagai tanda jadi.

Namun, DP berbeda dengan booking fee lantaran besar kecilnya uang muka akan mempengaruhi sisa kredit pokok, sedangkan booking fee tak termasuk dalam harga rumah.

Biasanya DP rumah berkisar 10% sampai 20%, tetapi ada pula konsumen yang membayar lebih tinggi maupun lebih rendah. Bahkan, Bank Indonesia (BI) memberi kebijakan DP 0%.

Kamu perlu mengetahui kekurangan dan kelebihan membayar DP tinggi dan rendah. Jadi sebelum melihat bagaimana contoh kwitansi pembayaran DP, simak dulu penjelasan ini.

Bahan Pertimbangan DP Tinggi

Ilustrasi contoh kwitansi DP jual beli rumah: Canva

  • Cicilan lebih ringan apabila kamu membayar DP dalam jumlah besar, misalnya di atas 20%. Intinya makin besar uang muka, makin kecil total angsuran pokok setiap bulannya.
  • Bukan hanya total angsuran pokok saja yang lebih ringan, suku bunga juga pasti lebih rendah. Namun walaupun begitu, suku bunga pun dipengaruhi oleh tenor pinjaman.
  • Pengajuan Kredit Pemilikan Rumah (KPR) ke bank bakal lebih mudah disetujui. Pasalnya, bank penyalur KPR akan mengeluarkan dana pinjaman lebih kecil.

Contoh Perhitungan Membayar DP Tinggi

Misalnya, kamu membeli rumah di Mahkota Cileunyi seharga Rp677.000.000. Kemudian membayar DP sebesar 25% dengan tenor pinjaman selama 20 tahun. Bank memberikan suku bunga 10% per tahun, maka perhitungannya sebagai berikut.

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Jumlah DP rumah = Rp677.000.000 x 25% = Rp169.250.000

Sisa utang = Rp677.000.000 – Rp169.250.000 = Rp634.687.500

Cicilan pokok setiap bulan = Rp634.687.500 / (20 x 12) = Rp634.687.500 / 240 bulan = Rp2.644.531

Bunga cicilan = (Rp677.000.000 x 10%) / 240 = Rp282.083

Total cicilan pokok ditambah bunga = Rp2.926.614

Bahan Pertimbangan DP Rendah

Ilustrasi contoh kwitansi pembayaran rumah DP: Canva

  • Lebih cepat memiliki rumah impian, karena tak perlu menunggu lama untuk mengumpulkan uang muka.
  • Dana darurat aman, karena tabungan tak akan terkuras untuk memenuhi DP.
  • Mempunyai uang tunai lebih di masa sekarang.
  • Nah, saat memilih DP rendah, bank akan memberikan rentang waktu membayar cicilan yang cukup lama untuk meringankan beban angsuran dan bunganya.
  • Proses pengajuan KPR relatif lenih lama, karena harus melakukan verifikasi ketat.

Contoh Perhitungan Membayar DP Tinggi

Jika kamu membeli rumah di Cinunuk Resort View seharga Rp588.000.000 dengan uang muka 3% dan tenor 25 tahun, kemudian bank memberikan suku bunga 15%, maka perhitungannya sebagai berikut.

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Jumlah DP rumah = Rp588.000.000 x 3% = Rp17.640.000

Sisa utang = Rp588.000.000  – Rp17.640.000 = Rp570.360.000 

Cicilan pokok setiap bulan = Rp570.360.000 / (25 x 12) = Rp570.360.000 / 300 bulan = Rp1.901.200

Bunga cicilan = (Rp588.000.000  x 15%) / 300 = Rp294.000

Total cicilan pokok ditambah bunga = Rp2.195.200

Ya, jumlah angsuran pokok ditambah bunga per bulan memang lebih kecil daripada hasil perhitungan DP tinggi. Namun, debitur harus membayarnya selama 25 tahun.

Nah, sekarang kamu sudah tahu gambaran perhitungan DP rumah. Sekarang mari kita langsung saja simak contoh kwitansi pembayaran DP rumah ini.

Contoh Kwitansi Pembayaran DP Rumah

Susunan Contoh Penulisan Kwitansi Pembayaran DP Rumah

Penulisan kuitansi mempunyai format tersendiri yang bisa disesuaikan dengan bisnis masing-masing. Namun pada umumnya terdiri dari bagian-bagian berikut.

  • Nomor
  • Identitas perusahaan
  • Nama
  • Informasi tanggal
  • Jenis dan tujuan pembelian produk
  • Nominal biaya
  • Materai
  • Tanda tangan

Itulah susunan kuitansi yang bisa digunakan untuk pembayaran DP rumah. Apabila membutuhkan template dalam format xlxs atau pdf, silakan download melalui link berikut.

Download Contoh Kwitansi Pembayaran DP Rumah.xlsx

Download Contoh Kwitansi Pembayaran DP Rumah.pdf

Ada pertanyaan tentang kuitansi DP rumah? Ajukan di forum properti Teras123.

Simulasi KPR

Hitung pembiayaan kredit rumah dengan bunga KPR terbaik di Rumah123

Rp
%
Rp
Angsuran/bulan mulai dari
Tahun ke-1
Bunga 2.83%
Rp. 1.117.000
Tahun ke-2 dan seterusnya
Estimasi Bunga 12%
Rp. 2.473.887

Simulasi KPR Syariah

Hitung pembiayaan KPR syariah dengan rekomendasi bank terbaik di Rumah123

Rp
%
Rp
Angsuran/bulan mulai dari
Tahun ke 1 dan seterusnya
Margin 9%
Rp. 2.434.240

Bunga KPR Terbaru

Beli properti impian dengan memilih produk KPR terbaik di Rumah123

Bank OCBC
Bank OCBC
Suku bunga mulai dari2.83%
Tenor Max.25 Tahun
Bank Mandiri
Bank Mandiri
Suku bunga mulai dari2.65%
Tenor Max.30 Tahun
Bank BRI
Bank BRI
Suku bunga mulai dari5%
Tenor Max.20 Tahun