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Cara Mengatasi Penalti KPR Sebelum Melunasi Cicilan Rumah Lebih Cepat

05 April 2023 · 4 min read · by Shandy Pradana

berapa pinalti kpr

Penalti KPR kerap menjadi momok bagi mereka yang hendak melunasi cicilan Kredit Pemilikan Rumah (KPR) lebih cepat, alias sebelum jatuh tempo. 

Melunasi cicilan KPR lebih cepat memang tidak bisa sembarangan, konsekuensinya debitur bisa dikenakan penalti atau denda dengan nominal yang cukup besar.

Meski begitu, terdapat sejumlah cara yang bisa dilakukan untuk meminimalisasi penalti saat melunasi KPR sebelum waktunya.

Apa sajakah itu? Simak ulasannya di bawah ini.

Seluk Beluk Penalti KPR

Tips untuk Meminimalisir Penalti KPR

Nilai penalti yang dikenakan kepada debitur yang melunasi KPR lebih cepat, berkisar antara 1–3% dari biaya pelunasan.

Kita ambil contoh kasus di bawah ini;

Iwan membeli rumah seharga Rp600 juta di Springhill Yume Lagoon dengan tenor sekitar 10 tahun.

Memasuki tahun ke-8, Iwan mendapatkan bonus besar dari kantornya dan berencana mengalokasikan bonus tersebut untuk melunasi sisa cicilan KPR. 

Jika cicilannya tinggal Rp100 juta maka biaya penalti pelunasan KPR sebelum jatuh tempo yang dikenakan adalah 1% dari Rp100 juta, yaitu Rp1 juta.

Begini Cara Mengatasi Penalti KPR

Terdapat sejumlah cara yang bisa dilakukan untuk melunasi KPR sebelum jatuh tempo tanpa harus berurusan dengan penalti, di antaranya:

Tidak Melunasi secara Sekaligus

Jangan melunasi cicilan KPR secara sekaligus, artinya tunda melakukan pelunasan hingga berakhir masa pemberlakukan penalti. 

Biasanya bank akan mengenakan penalti KPR pada tahun pertama sampai kelima.

Sementara bila melunasi di tahun ke-6 sampai ke-10, debitur tidak akan terkena penalti.

Jadi, Anda bisa melunasi seluruh cicilan KPR ketika memasuki tahun ke-6. 

Namun, setiap bank memiliki aturan penalti yang berbeda-beda.

Tanyakan terlebih dulu kepada bank sebelum memutuskan untuk mengajukan KPR.

Cicil secara Bertahap dalam Jumlah Besar

Cara ini bisa dilakukan bila ingin cepat melunasi cicilan KPR secara bertahap, sebab dapat mengurangi beban cicilan selama jangka waktu pelunasan. 

Praktiknya bisa dengan membayar dua cicilan sekaligus pada setiap bulannya.

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Namun, debitur tetap harus memastikan besaran nilai tambahan cicilan masih dalam batas wajar. 

Pasalnya bila terlalu besar, maka dapat memicu terjadinya penalti.

Maka itu, konsultasikan kepada pihak bank terkait segala kemungkinan munculnya risiko penalti.

Pilih Bank yang Menerapkan Suku Bunga KPR Rendah

Selain penalti, perhatikan juga bunga yang diberikan bank saat mengambil kredit.

Pilih bank dengan bunga KPR paling rendah, agar tidak menjadi beban di masa depan.

Bagaimanapun, besaran bunga dari bank penyedia KPR akan sangat menentukan angsuran rumah setiap bulannya.

Sebagai pertimbangan, mari simak beberapa keuntungan serta kerugian dari melunasi KPR sebelum jangka waktunya.

Keuntungan Melunasi KPR Sebelum Jatuh Tempo

Beban Utang Berkurang

Beban Utang

Jika Anda melunasi pinjaman KPR, maka beban utang akan berkurang. 

Dengan hilangnya beban akan cicilan KPR, maka beban keuangan secara keseluruhan bisa menjadi lebih ringan.

Anda pun bisa lebih tenang dan leluasa dalam mengalokasikan bujet bulanan.

Jika sebelumnya mungkin hanya mampu menyisihkan 5% dari gaji untuk hal-hal lainnya, kini Anda bisa menaikkan porsinya menjadi 10%.

Memperbesar Porsi Tabungan dan Investasi

investasi properti

Beban utang yang berkurang juga dapat memperbesar porsi tabungan dan investasi.

Jadi, Anda bisa mendapatkan waktu lebih lama untuk membangun portofolio investasi, serta membekali diri untuk masa pensiun.

Kerugian Melunasi KPR Sebelum Jatuh Tempo

Terkena Penalti

Penalti KPR

Foto: Learning Center 

Seperti diketahui, jangka waktu pelunasan KPR sudah ditentukan sejak akad dan disepakati oleh dua belah pihak, yakni bank dan nasabah.

Karena itu, jika di kemudian hari nasabah berniat mempercepat pelunasan, maka pihak bank akan memberi penalti atau biaya denda. 

Penalti dipengaruhi oleh berapa lama periode pinjaman KPR yang sudah berjalan.

Semakin cepat KPR dilunasi maka besaran penalti akan semakin besar, sebab pokok utang KPR Anda nilainya masih tinggi.

Menguras Tabungan yang Ada

Menguras Tabungan yang Ada

Selain membayar pokok utang KPR, Anda juga harus membayar penalti yang nilainya tidak sedikit.

Dengan kata lain, hal ini dapat mengurangi dana tabungan Anda.

Tentu saja, melunasi KPR lebih cepat memiliki risiko yang perlu dipikirkan matang-matang. 

Pasalnya, kondisi keuangan akan rentan dari ancaman finansial, misal Anda tiba-tiba terkena pemutusan hubungan kerja atau PHK.

Apakah dana darurat Anda masih sanggup menopang kebutuhan sehari-hari selama paling tidak enam bulan ke depan?

Mungkin pertanyaan tersebut harus dijawab terlebih dahulu sebelum memutuskan untuk melunasi KPR sebelum waktunya.

Pada akhirnya, semua tergantung dari kecermatan dan ketelitian kita dalam memahami kondisi finansial masing-masing.

Jika sembrono, keputusan ini justru akan berakhir buruk.

Namun jika diputuskan dengan matang, hal ini bisa bermanfaat untuk jangka panjang.

Nah, Anda termasuk yang mana? Jika masih ragu, tonton video tentang pelunasan KPR sebelum waktunya di bawah ini.

Selain info mengenai penalti dalam pelunasan KPR sebelum waktunya, Anda juga bisa mendapatkan informasi lain dari situs Rumah123.

Semoga bermanfaat!

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