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KPR atas Nama Orang Lain, Yuk Pahami Risikonya

Terakhir diperbarui 08 Maret 2024 · 4 min read · by Miyanti Rahman

kpr atas nama orang lain

Ilustrasi KPR atas nama orang lain: Canva

Kredit Pemilikan Rumah (KPR) memberi solusi bagi masyarakat yang tak mampu membeli rumah secara tunai keras. Lalu, apakah bisa mengajukan KPR atas nama orang lain?

Proses pengajuan KPR ke bank memang membutuhkan waktu. Orang yang permohonannya ditolak biasanya terkendala beberapa hal, misalnya Bank Indonesia (BI) checking.

Sebagai solusinya, tak jarang orang yang melakukan pengajuan KPR atas nama orang lain. Misalnya, seorang adik mengajukan kredit rumah atas nama kakaknya.

Yang paling sering terjadi ialah anak mengajukan KPR atas nama orang tua. Lantas, apakah pinjam nama untuk kredit rumah ini diperbolehkan oleh bank?

Apakah Bisa Ambil Rumah atas Nama Orang Lain?

kredit pemilikan rumah atas nama orang lain

Selain terkendala BI checking, banyak alasan yang mendorong seseorang untuk mengajukan KPR atas nama orang lain. Misalnya ingin memberi hadiah rumah untuk kedua orang tua.

Sehingga, dia pun meminjam nama orang tuanya untuk proses pengajuan ke bank. Contoh lainnya, adik yang belum cukup umur untuk mengajukan kredit rumah tetapi mampu secara finansial.

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Akhirnya dia pun mengajukan KPR, misalnya ke KPR Bank Mandiri atas nama kakaknya. Apabila si orang tua dan kakak yang berhadapan langsung ke bank mungkin saja permohonan diterima.

Namun, bank sendiri tidak memperbolehkan pengambilan rumah KPR atas nama orang lain. Kecuali bagi pasangan suami-istri yang joint income KPR atas nama pasangan.

Hal itu karena pengajuan kredit rumah komersial ataupun KPR subsidi atas nama orang lain sangat berisiko bagi ketiga pihak yang terlibat.

Risiko KPR dengan Atas Nama Orang Lain

kpr atas nama orang tua

Pengajuan Bisa Ditolak oleh Bank

Setelah melakukan proses BI checking melalui Sistem Layanan Informasi Keuangan (SLIK) dari Otoritas Jasa Keuangan (OJK), tentunya bank akan melakukan verifikasi secara mendalam.

Misalnya, kamu akan kredit rumah di Serenia Hills atas nama kakak (Shandy Pradana), kemudian bank menemukan pengajuan itu sebenarnya dilakukan olehmu.

Maka otomatis pengajuan KPR tersebut akan ditolak. Pasalnya hal ini sangat berisiko bagi bank. Selain itu, ada kemungkinan terjadi sengketa di masa depan.

Sulit Mengajukan KPR untuk Diri Sendiri

KPR mempunyai masa tenor yang sangat panjang mulai dari lima sampai 25 tahun. Mengingat lamanya tenor KPR, tentu saja ini merugikan pemberi nama.

Jika pemberi nama ingin mengajukan KPR, kredit multiguna atau Kredit Tanpa Agunan (KTA) ke bank, maka risiko ditolak lebih besar, karena dianggap sudah mempunyai beban angsuran.

Kemungkinan, pemberi nama harus menunggu masa angsuran KPR itu selesai. Barulah dia bisa mengajukan kredit untuk dirinya sendiri.

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Masuk Daftar Hitam BI Checking

Kalau bertanya bisakah KPR atas nama orang lain? Jawabannya tidak, lantaran memang lebih banyak merugikan pihak yang memberikan namanya untuk pengajuan kredit.

Pemberi nama harus memastikan pembayaran angsuran lancar. Jangan sampai pembayaran kredit tersendat, apalagi macet untuk menjaga skor kredit tetap di angka yang bagus.

Apabila sampai terjadi kredit macet, tentu saja nama kakak, orang tua, atau saudara yang dipinjam untuk KPR akan masuk daftar hitam Sistem Informasi Debitur (SID) BI.

Sertifikat Bisa Diakui oleh Pemberi Nama

Seperti yang sudah disinggung sebelumnya, KPR atas nama orang lain berpotensi menimbulkan sengketa di masa depan. Misalnya, Sertifikat Hak Milik (SHM) diakui orang lain.

Selain itu, pembayar angsuran KPR tak bisa mengambil sertifikat rumah ke bank sendiri. Bukti kepemilikan properti itu harus diambil oleh orang yang meminjamkan namanya.

Apabila terjadi sesuatu, misalnya orang yang meminjamkan nama meninggal dunia, pembayar harus berurusan dengan ahli warisnya. Membingungkan, bukan?

Namun, bagaimana kalau terlanjur mengajukan kredit rumah atas nama orang lain? Apakah ada solusi untuk melindungi kedua belah pihak dari kerugian?

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Solusi Bagi yang Terlanjur Ajukan KPR atas Nama Orang Lain

kpr atas nama ortu

Membuat Surat Perjanjian Pinjam Nama untuk KPR

Membuat surat perjanjian pinjam nama harus dilakukan secepat mungkin. Isinya menerangkan orang yang meminjamkan nama tak mempunyai hak dan kewajiban apa pun terkait utang KPR.

Sebaiknya, surat perjanjian pinjam nama ini dilakukan di hadapan notaris agar kedudukannya di mata hukum lebih kuat.

Membuat Surat Kuasa

Surat kuasa diperlukan supaya debitur bisa menyerahkan semua urusan surat-menyurat ke alamat pemilik asli rumah. Seperti sebelumnya, buatlah dokumen ini di hadapan notaris.

Namun perlu digarisbawahi, tak semua bank menerima pemberian hak kuasa. Jadi, harus orang yang meminjamkan nama yang mengurus semuanya.

Demikian informasi ini, semoga menjawab pertanyaan, ya!

Punya pertanyaan seputar properti? Yuk, Tanya Rumah123 di sini!

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