Cara Over Kredit Rumah Disertai Syarat dan Biaya Pengajuannya
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Terakhir diperbarui 09 Oktober 2026 · 7 min read · by Septian Nugraha
Ringkasan Artikel:
Over kredit rumah adalah pengalihan cicilan KPR dari debitur lama kepada debitur baru dengan persetujuan bank.
Prosesnya meliputi pengajuan ke bank, pemeriksaan kelayakan pembeli, penandatanganan dokumen pengalihan, dan pelanjutan cicilan KPR.
Syarat over kredit rumah mencakup dokumen pribadi penjual dan pembeli, dokumen kredit, serta dokumen legalitas properti.
Biaya over kredit dapat meliputi provisi, administrasi, notaris, asuransi, appraisal, dan uang muka sesuai ketentuan bank.
Cara over kredit rumah adalah dengan mencari pembeli yang bersedia mengambil alih cicilan, kemudian mengajukan proses pengalihan kredit ke bank.
Setelah bank menyetujui pengajuan dan seluruh persyaratan terpenuhi, pembeli dapat melanjutkan cicilan KPR sesuai ketentuan yang disepakati.
Proses over kredit rumah harus mendapat persetujuan bank karena KPR merupakan fasilitas pembiayaan yang terikat dalam perjanjian kredit antara debitur dan bank.
Over kredit rumah adalah pengambilalihan cicilan Kredit Pemilikan Rumah (KPR) dari debitur lama (pemilik) kepada debitur baru (pembeli) dengan persetujuan pihak bank sebagai kreditur.
Pasalnya, overkredit rumah merupakan pengalihan cicilan KPR dari debitur lama kepada debitur baru, sedangkan take overKPR adalah pemindahan fasilitas kredit dari bank lama ke bank baru dengan debitur yang sama.
Cara jual rumah over kredit wajib dilakukan melalui bank agar pengalihan kredit dan kepemilikan rumah berjalan sesuai prosedur serta ketentuan hukum yang berlaku.
Cara over kredit rumah adalah dengan melibatkan pihak bank dalam proses transaksinya.
Pada prosesnya, ada tiga pihak yang terlibat dalam transaksi tersebut, yaitu debitur lama (penjual), debitur baru (pembeli), dan bank.
Sebagai contoh, misalnya, Iwan hendak menjual rumahnya di Podomoro Park Bandung yang masih dalam status KPR.
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Lalu, ia bertemu Iman yang berniat membeli hunian tersebut dengan skema over kredit.
Setelah bernegosiasi, keduanya sepakat untuk melakukan over kredit melalui bank.
Begini proses over kredit rumah:
Mengajukan permohonan over kredit: Penjual dan calon pembeli mendatangi bank pemberi KPR untuk mengajukan pengalihan kredit serta mengetahui persyaratan yang berlaku.
Melengkapi persyaratan kredit: Calon pembeli mengajukan permohonan sebagai debitur baru dengan melengkapi dokumen identitas, bukti penghasilan, dan dokumen pendukung lainnya.
Menunggu proses analisis bank: Bank akan memeriksa kelengkapan dokumen dan menilai kemampuan finansial calon pembeli sebelum memberikan persetujuan.
Menandatangani dokumen pengalihan: Jika disetujui, penjual dan pembeli menyelesaikan dokumen yang diperlukan, termasuk perjanjian kredit baru, akta jual beli (AJB), serta dokumen pengikatan jaminan seperti SKMHT jika diperlukan.
Melanjutkan cicilan KPR: Setelah proses pengalihan diselesaikan sesuai ketentuan bank, pembeli menjadi debitur baru dan melanjutkan pembayaran cicilan KPR.
Simulasi Take Over KPR
Isi detail KPR awalmu, dapatkan rekomendasi program KPR yang lebih hemat
Hasil Simulasi Take Over KPR
Ringkasan KPR saat ini
Angsuran Saat IniRp 0
Angsuran FloatingRp 0
Sisa Pinjaman KPRRp 0
Total Biaya KPRRp 0
Rp
Tahun
Bulan
%
Tahun
Rp
Sudah masuk masa floating, estimasi bunga 12%
Rekomendasi Program Take Over KPR
Pilihan Bank:
Tahun ke-1 - ke-5
Bunga 2,88%
Angsuran/Bulan Fix
Rp 5.139.376
Hemat sebesar
Rp 998.393/bulan
Total Biaya KPR
Hingga akhir tenor
Rp 998.393
Lebih tinggiRp 998.393
Angsuran Floating
Setelah 5 tahun pindah kpr (Estimasi Bunga 12%)
Rp 5
Pinjaman Take Over KPR
Jumlah pinjaman yang dialihkan ke bank baru
Rp 5
Estimasi Biaya Lain Take Over
Berkisar 3-6% dari pinjaman Take Over
Rp 5 s/d Rp 5
Oops, sepertinya belum ada rekomendasi program take over yang lebih hemat
Coba perbarui data simulasi
Disclaimer : Hasil di atas merupakan angka estimasi, data perhitungan dapat berbeda dengan perhitungan bank. Hubungi kami untuk info lebih lanjut.
Plafon Awal KPR
Total pinjaman yang disepakati saat akad KPR. Kamu bisa cek di aplikasi bank atau hubungi langsung bank KPR kamu saat ini.
Biaya Lain KPR Take Over
Terdapat beberapa biaya yang dikenakan saat mengajukan KPR Take Over bank lama ke baru. Beberapa biaya yang dikenakan bisa berbeda-beda dan tergantung dari kebijakan bank masing-masing. Biaya tersebut antara lain:
Biaya Penalti
Biaya penalti merupakan sanksi denda yang dikenakan jika melunasi KPR lebih cepat dari tenor yang seharusnya. Biaya penalti bisa diketahui dari perjanjian awal pada saat akad dilakukan.
Biaya Appraisal
Biaya apprasial yang dikenakan saat mengajukan KPR Take Over untuk menaksirkan harga properti.
Biaya Administrasi/Proses
Biaya administrasi/proses yang dikenakan bank saat memindahkan KPR bank lama ke baru
Biaya Provisi
Biaya yang harus dibayarkan di awal dan dipotong otomatis di awal saat mengajukan KPR Take Over
Biaya Notaris
Biaya untuk notaris memproses pengalihan pinjaman KPR dari bank lama ke bank baru
Biaya Cek dan Validasi Sertifikat
Biaya pengecekan dan validasi sertifikat properti
Memuat hasil simulasi...
Apa Syarat Over Kredit Rumah?
Setelah membaca proses jual beli di atas, Anda dapat melihat bahwa proses over kredit rumah melalui bank membutuhkan sejumlah persyaratan.
Persyaratan ini sejatinya berhubungan dengan dokumen pribadi (penjual/pembeli) dan legalitas tanah tersebut, seperti:
Data objek jual beli (tanah/bangunan).
Fotokopi perjanjian kredit dan surat penegasan perolehan kredit.
Fotokopi sertifikat (yang berisi keterangan/stempel pihak bank bahwa tanah dan bangunan tersebut sedang dijaminkan pada bank berkenaan).
Fotokopi Surat Pemberitahuan Pajak Terhutang (SPPT) Pajak Bumi dan Bangunan (PBB) 5 tahun terakhir lengkap dengan bukti lunasnya atau Surat Tanda Terima Setoran (STTS).
Print out bukti pembayaran angsuran terakhir sebelum dilaksanakan over kredit.
Asli buku tabungan yang digunakan untuk pembayaran angsuran.
Fotokopi dokumen pribadi penjual dan pembeli, meliputi;
Kartu Tanda Penduduk (KTP) suami istri;
Kartu Keluarga (KK);
akta nikah; dan
surat keterangan Warga Negara Indonesia (WNI) atau ganti nama (bila ada untuk WNI keturunan).
Perlu digarisbawahi, persyaratan dokumen bisa berbeda-beda di setiap bank.
Untuk informasi lebih lanjut, Anda bisa berkonsultasi secara langsung dengan tim KPR bank Rumah123.
Selain rumah komersial, pembelian hunian secara over kredit bisa dilakukan dengan objek rumah subsidi.
Namun, terdapat sejumlah aturan yang harus dipahami untuk over kredit rumah subsidi.
Syarat over kredit rumah subsidi harus mengikuti ketentuan resmi bank serta program subsidi pemerintah (FLPP).
Over kredit rumah subsidi KPR bisa dialihkan ke pihak lain atau over kredit setelah minimal 5 tahun kepemilikan untuk menghindari sanksi penarikan dana subsidi.
Selain itu, kredit rumah subsidi hanya bisa dipindahtangankan lewat lembaga penyalur yang telah ditunjuk oleh pemerintah.
Bank memeriksa kelengkapan dokumen serta kemampuan finansial calon pembeli untuk melanjutkan cicilan.
Menandatangani dokumen pengalihan
Setelah disetujui maka penjual dan pembeli menyelesaikan dokumen yang diperlukan sesuai ketentuan bank dan hukum.
Melanjutkan cicilan KPR
Setelah proses pengalihan resmi selesai maka pembeli menjadi debitur baru dan melanjutkan pembayaran cicilan sesuai perjanjian.
***
Itulah informasi mengenai over kredit rumah yang penting untuk dipahami.
Temukan rumah idaman dari berbagai developer terbaik hanya di Rumah123, #RumahUntukSemua.
Semoga bermanfaat.
FAQ
Apa itu over kredit rumah?
Over kredit rumah adalah pengalihan cicilan KPR dari debitur lama kepada debitur baru dengan persetujuan bank.
Bagaimana cara over kredit rumah?
Penjual dan calon pembeli mengajukan permohonan ke bank, melengkapi dokumen, menunggu analisis kelayakan pembeli, lalu menyelesaikan dokumen pengalihan setelah mendapat persetujuan bank.
Apa perbedaan over kredit dan take over KPR?
Over kredit KPR adalah pengalihan cicilan dari debitur lama kepada debitur baru dengan persetujuan bank. Sementara itu, take over KPR adalah pemindahan fasilitas kredit dari bank lama ke bank baru dengan debitur yang sama.
Apa saja syarat over kredit rumah?
Persyaratannya dapat mencakup KTP, Kartu Keluarga, akta nikah jika relevan, perjanjian kredit, sertifikat tanah, dokumen PBB, dan bukti pembayaran cicilan. Persyaratan dapat berbeda di setiap bank.
Berapa biaya over kredit rumah?
Biaya over kredit rumah dapat meliputi provisi, administrasi, notaris, asuransi, appraisal, dan uang muka jika dipersyaratkan. Besarannya mengikuti kebijakan bank dan ketentuan transaksi.
Apakah rumah subsidi bisa di-over kredit?
Bisa dalam kondisi tertentu, tetapi pengalihan harus mengikuti ketentuan program rumah subsidi dan bank penyalur, termasuk aturan mengenai jangka waktu kepemilikan.
Apakah over kredit rumah harus melalui bank?
Over kredit rumah sebaiknya dilakukan dengan persetujuan bank agar pengalihan kewajiban KPR tercatat secara resmi dan pembeli dapat menjadi debitur baru sesuai prosedur.
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