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Plafon Kredit Adalah: Contoh dan Besarannya di Sejumlah Bank

Terakhir diperbarui 04 Maret 2024 · 5 min read · by Miyanti Rahman

Plafon Kredit

Ketika mengajukan pinjaman seperti Kredit Pemilikan Rumah (KPR), kita akan mendengar istilah plafon kredit. Kami akan mengajakmu mengupas tuntas istilah tersebut lewat artikel ini.

Plafon kredit merujuk pada batas maksimal dana yang dapat dipinjamkan oleh bank (kreditur) kepada debitur. Misalnya, Anda hendak membeli rumah KPR di Graha Palem Asri.

Rumah di sana dijual dengan harga Rp417.000.000 dengan syarat uang muka 20% atau Rp83.400.000. Maka Anda pun mengajukan pinjaman dana KPR sebesar Rp333.600.000.

Anggaplah bank sudah bekerja sama dengan developer, sehingga Anda mendapatkan dana pinjaman sebesar yang diajukan. Nah, inilah contoh plafon kredit.

Walaupun kadang-kadang, bank tidak memberikan dana pinjaman secara penuh. Misalnya dari pengajuan dana Rp333.600.000, bisa jadi plafon yang dicairkan hanya Rp300.000.000.

Jadi selain uang muka, pembeli rumah KPR harus menyiapkan uang sejumlah Rp33.600.000 (yang tak dibiayai oleh bank). Inilah pengertian sisa plafon itu apa.

Oleh karena itu, penting untuk mengetahui serba-serbi plafon kredit sebelum mengajukan KPR. Jadi, Anda dapat bersiap-siap jika plafon yang dicairkan di bawah nilai yang diajukan. 

Mengenal Apa Itu Plafon Kredit

apa itu Plafon Kredit

Berdasarkan informasi dari Kamus Besar Bahasa Indonesia (KBBI), plafon artinya batas tertinggi (biaya, kredit, dan sebagainya) yang disediakan.

Menurut Otoritas Jasa Keuangan (OJK), yang dimaksud plafon adalah jumlah maksimum fasilitas yang diterima debitur sebagaimana tercantum dalam surat perjanjian atau akad.

Bank memberlakukan ketentuan plafon untuk mengendalikan risiko gagal bayar debitur. Ada beberapa faktor yang dapat mempengaruhi jumlah plafon, yaitu sebagai berikut.

  • Kemampuan finansial debitur yang dinilai melalui penghasilan, riwayat kredit, dan aset yang dimiliki.
  • Arus keluar masuk keuangan.
  • Setiap jenis pinjaman memiliki ketentuan plafon yang berbeda-beda. KPR umumnya memiliki plafon yang lebih tinggi dibandingkan kredit kendaraan bermotor.
  • Setiap bank memiliki kebijakan dan pertimbangan internal dalam menentukan plafon kredit.
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Contoh Plafon Kredit

Contoh Plafon Kredit

Plafon adalah kredit yang diberikan oleh bank. Nantinya, besaran yang diterima oleh debitur bakal tercantum dalam surat perjanjian kredit atau akad.

Mudahnya plafon kredit dapat dihitung dengan rumus berikut.

Plafon kredit rumah = harga rumah – jumlah uang muka yang dibayarkan ke bank

Misalnya jika Anda hendak membeli rumah seharga Rp500.000.000 dengan skema KPR. Lalu DP rumah yang harus dibayarkan adalah 30% atau sekitar Rp150.000.000.

Dengan rumus di atas, maka plafon yang diberikan bank untuk Anda yaitu Rp350.000.000. Ini nantinya menjadi nilai utang yang harus Anda lunasi sesuai dengan tenor yang disepakati.

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Namun perlu digarisbawahi, ada kemungkinan naik plafon atau turun plafon. Selain itu, besaran plafon kredit bank bisa berbeda-beda sesuai dengan kebijakan manajemen.

Jumlah plafon juga ditentukan berdasarkan produk kredit yang dipilih. Nah berikut daftar besaran plafon dari berbagai bank, mengacu pada data terbaru 2024.

Besaran Plafon Kredit dari Berbagai Bank

plafon kpr bni

Plafon Kredit Bank BNI

KPR BNI Griya menawarkan pembiayaan pembelian, pembangunan atau renovasi, dan take over properti berupa rumah tinggal, apartemen, rumah toko atau tanah kavling.

Suku bunga KPR BNI Griya paling rendah mulai dari 4,5%. Bank pelat merah ini memberikan plafond hingga maksimal Rp20.000.000.000.

Pembiayaan ini berlaku untuk pembelian rumah tapak atau rumah susun/apartmen, baik baru maupun seken. Bila tertarik, silakan ajukan melalui halaman KPR kami.

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Plafon Kredit Bank BCA

Simulasi KPR Bank BCA

Hitung pembiayaan KPR Bank BCA dengan bunga terbaik di Rumah123

Rp
%
Rp
Angsuran/bulan mulai dari
Tahun ke-1
Bunga 2.67%
Rp. 1.097.343
Tahun ke-2 dan Seterusnya
Estimasi Bunga 12%
Rp. 2.472.350

Plafon kredit KPR BCA menyediakan Rp250.000.000 sampai Rp5.000.000.000. Dengan pilihan masa tenor maksimal 25 tahun, sedangkan tenor minimal disesuaikan dengan pilihan floating rate.

Suku bunga untuk KPR BCA sendiri per tahun 2024 adalah sebesar 2,67% (minimal).

Persentase tersebut berlaku untuk jenis suku bunga KPR primary dan secondary.

Plafon Kredit Bank BTN

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BTN menyediakan fasilitas KPR Platinum dengan plafon kredit tanpa batas, serta jangka waktu sampai dengan 30 tahun.

Keunggulan memakai KPR Bank BTN adalah prosesnya yang cepat dan mudah, dilengkapi asuransi jiwa kredit dan kebakaran, serta bekerja sama dengan banyak rekanan developer.

KPR BTN Platinum disediakan untuk keperluan pembelian rumah dari developer dan non-developer, baik untuk pembelian rumah baru, second, ready stock, take over dan inden.

Plafon Kredit Bank Mandiri

Simulasi KPR Bank Mandiri

Hitung pembiayaan KPR Bank Mandiri dengan bunga terbaik di Rumah123

Rp
%
Rp
Angsuran/bulan mulai dari
Tahun ke-1
Bunga 2.65%
Rp. 967.113
Tahun ke-2 dan Seterusnya
Estimasi Bunga 12%
Rp. 2.422.848

Selanjutnya, terdapat program KPR Mandiri yang menyediakan plafon kredit cukup besar, yakni maksimal Rp25.000.000.000 dengan tenor 20 tahun.

Bank Mandiri juga memiliki program KPR dan multiguna khusus untuk pegawai dengan payroll bulanan di bank tersebut. Ada beberapa keuntungan jika mengajukan KPR Bank Mandiri.

Contohnya seperti proses cepat dan mudah, uang muka ringan, serta bekerja sama dengan lebih dari 900 proyek developer di seluruh Indonesia.

Plafon Kredit BRI

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Menjadi salah satu bank dengan nasabah yang banyak, tentu BRI menyediakan program KPR dengan plafon kredit cukup besar, yakni mulai dari Rp200.000.000 sampai Rp4.000.000.000.

Suku bunga efektif dari KPR BRI pada tahun ini adalah sebesar 2,88%.

Nah, itulah penjelasan mengenai plafon kredit, contoh hingga besaran dari berbagai bank.

Semoga ulasan di atas bermanfaat, ya!