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Lebih Baik Mana, Beli Rumah KPR atau Pinjam Bank?

Terakhir diperbarui 04 Januari 2024 · 4 min read · by Septian Nugraha

beli rumah kpr atau pinjam bank

Lebih baik mana, beli rumah KPR atau pinjam bank dengan memanfaatkan fasilitas Kredit Tanpa Agunan (KTA)?

Pertanyaan tersebut barangkali sedang menggelayuti pikiranmu saat ini.

Seperti diketahui, selain Kredit Pemilikan Rumah (KPR), ada pula KTA yang bisa dimanfaatkan untuk membeli rumah.

Namun, di antara kedua fasilitas tersebut, mana yang lebih representatif untuk pembelian rumah?

Sebagai pertimbangan antara beli rumah KPR atau pinjam bank dengan fasilitas KTA, berikut kami hadirkan ulasan mengenai kedua fasilitas kredit tersebut.

Kredit Pemilikan Rumah (KPR)

kredit pemilikan rumah kpr

KPR masih menjadi opsi paling populer pembelian hunian dengan skema cicilan bagi masyarakat.

Pasalnya, fasilitas kredit ini memang dikhususkan untuk membiayai kebutuhan warga akan hunian.

Pembelian rumah dengan skema KPR pun dianggap tidak memberatkan secara finansial.

Debitur cukup menyiapkan sejumlah dana untuk membayar DP atau uang muka, sekitar 20% hingga 30% dari harga rumah, serta biaya lainnya.

Adapun tenor pinjaman KPR bisa mencapai 30 tahun, dengan plafon antara ratusan hingga miliaran rupiah.

Selain pembiayaan pembelian hunian baru maupun bekas, KPR juga melayani jenis pembiayaan perumahan lain seperti renovasi, refinancing, dan over kredit.

Proses Pengajuan KPR

Meski dianggap sebagai salah satu cara mudah untuk memenuhi kebutuhan akan hunian, tetap saja ada proses yang harus ditempuh dalam pengajuan KPR.

Prosesnya dimulai dari mengumpulkan sejumlah berkas dan dokumen sebagai persyaratan administrasi.

Pihak bank akan menilai kelayakan calon debitur dalam menerima kredit tersebut, selanjutnya ada proses appraisal hingga akad kredit.

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

Skema Penerapan Suku Bunga KPR

Terdapat empat jenis suku bunga yang biasa diterapkan dalam skema cicilan KPR; floating rate, fixed rate, anuitas, hingga bunga efektif.

Namun, kebanyakan lembaga perbankan cenderung memadukan penerapan suku bunga fixed rate dengan floating rate dalam skema cicilannya.

Contohnya, Iman ingin mengajukan KPR untuk membeli rumah di Parkspring Gading

Pengajuan kredit pun disetujui oleh bank dengan skema angsuran fixed 3 tahun.

Anggap rumah yang akan dibeli tersebut seharga Rp1,5 miliar, Iman lantas membayar uang muka sebesar Rp450 juta atau 30% dari harga rumah.

Lalu, bank melunasi sisa pembelian rumah itu kepada developer sebesar Rp1,05 miliar.

Nah, nominal Rp1,05 miliar itulah yang menjadi plafon pinjaman Iwan, yang secara otomatis menjadi nilai utang yang harus dilunasi.

Artinya, suku bunga fixed hanya diterapkan pada 3 tahun awal periode cicilan.

Setelahnya bunga yang diterapkan pada cicilan rumah Iman adalah floating rate.

Kredit Tanpa Agunan (KTA)

kredit tanpa agunan kta

Sesuai namanya, KTA adalah produk pinjaman yang bisa diajukan tanpa agunan atau jaminan.

Program kredit ini bisa dimanfaatkan untuk berbagai keperluan, salah satunya membeli rumah.

Meski bisa diajukan tanpa memberikan jaminan aset bernilai tinggi, plafon kredit yang diberikan jumlahnya cukup besar, bisa mencapai Rp200 juta hingga Rp500 juta.

Namun, berbeda dengan KPR, plafon pinjaman KTA durasinya cukup singkat, berkisar antara 1–10 tahun.

Baca juga:

Mengenal Kredit Agunan Rumah dan Cara Pengajuannya

Skema Pembelian Rumah dengan KTA

Proses pengajuan KTA terbilang lebih cepat, prosesnya hanya memakan waktu sekitar 1–2 minggu.

Skema pembelian rumah lewat KTA agak berbeda dengan KPR.

Pasalnya, debitur yang melakukan pembelian rumah dengan kredit tersebut tidak harus menyiapkan uang muka di awal.

Pada prosesnya, debitur akan membeli rumah incarannya secara cash keras kepada developer lewat uang yang didapatkan dari pinjaman bank.

Ini agak berbeda dengan KPR, yang mengharuskan debitur untuk menyiapkan uang muka dengan kisaran 20-30% dari harga rumah.

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Kemudian, sisa pembayaran dari pembelian tersebut akan dilunasi oleh bank.

Sisa pembayaran pembelian rumah itulah yang menjadi plafon kredit dalam KPR.

Agar lebih jelas, berikut simulasi pembelian rumah KTA:

Misalnya Iwan membeli rumah di The Zora Cluster Kanade, kemudian ia mengajukan KTA untuk pembelian rumah tersebut. 

Bank menyetujui pinjaman untuk pembelian rumah itu. 

Pada prosesnya, pembelian rumah dilakukan secara cash keras kepada penjual atau developer melalui uang yang dihasilkan dari pinjaman bank. 

Adapun jenis suku bunga yang diterapkan dalam KTA, yakni bunga efektif dan fixed.

Lebih Baik KPR atau KTA?

kpr vs kta

Jadi, lebih baik mana, beli rumah KPR atau pinjam bank dengan KTA? Sejatinya, kedua cara tersebut memiliki kelebihan dan kekurangan masing-masing.

Namun, bila kebutuhannya adalah membeli rumah baru, KPR menjadi opsi terbaik karena fasilitas kredit ini memiliki tenor pinjaman yang panjang.

Selain itu, jumlah kredit pun tidak sebesar pembelian rumah dengan KTA. Pasalnya, debitur KPR harus mempersiapkan sejumlah dana untuk uang muka.

Adapun KTA, cocok diajukan bila ingin membangun rumah dari awal.

Namun, sebelum mengajukan pinjaman, kamu harus terlebih dahulu menghitung rincian biaya pembangunan rumah.

Tujuannya agar bisa mengajukan kredit dengan plafon yang tepat.

Kesimpulannya, membeli rumah KPR atau pinjaman bank, semuanya kembali pada kebutuhan dan kemampuan finansial masing-masing.

Alangkah lebih baik untuk mengetahui kemampuan finansial sebelum mengajukan kredit pemilikan rumah.

Cara termudah untuk mengetahui kemampuanmu dalam membeli rumah adalah, dengan memanfaatkan fitur kalkulator kemampuan KPR di Rumah123.

Selamat mencoba!

Baca juga:

Mengenal KPR Multiguna dan Bank Penyalurnya