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Cara Pengajuan KPA, Syarat, dan Tips agar Disetujui oleh Bank
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Terakhir diperbarui 13 Februari 2025 · 8 min read · by Insan Fazrul

pengajuan kpa apartemen

Pilihan hunian tidak terbatas pada perumahan tapak, apartemen juga menjadi primadona bagi masyarakat kelas menengah di kota-kota besar.

Pasalnya, memiliki apartemen menawarkan banyak keuntungan, seperti fasilitasnya lengkap, lokasi strategis, keamanan terjamin, hingga harganya yang relatif stabil.

Oleh karena itu, membeli apartemen bisa jadi opsi karena jenis hunian vertikal yang satu ini bisa menjadi instrumen properti yang menguntungkan.

Apalagi, beli apartemen juga bisa dilakukan dengan cara mencicil melalui pengajuan Kredit Pemilikan Apartemen (KPA).

KPA apartemen menawarkan skema yang sangat mirip dengan Kredit Pemilikan Rumah (KPR).

Saat ini, banyak juga bank yang menawarkan KPA dengan biaya cicilan ringan dan DP yang terjangkau.

Kisaran Harga Apartemen

pengajuan kpa apartemen

Harga apartemen di Indonesia sangat bervariasi tergantung berbagai faktor, seperti tipe, desain, lokasi, fasilitas, infrastruktur, hingga fasilitas umum yang tersedia di sekitarnya.

Selain itu, harga apartemen juga bisa dipengaruhi oleh perkembangan wilayahnya.

Jadi, tidak heran kalau harga apartemen di Jakarta, apartemen di Surabaya, atau harga apartemen di Tangerang dan sekitarnya bisa berbeda dengan harga apartemen di Bandung atau daerah lain.

Pasalnya, apartemen yang berada di pusat bisnis atau ekonomi utama di Indonesia, seperti Jakarta dan sekitarnya memiliki daya tarik tersendiri bagi pencari properti.

Contohnya, EleVee Condominium di Alam Sutera Tangerang yang harganya dibanderol lebih tinggi karena menawarkan lokasi strategis dan fasilitas lengkap.

Ada juga apartemen Akasa Pure Living di BSD City Tangerang yang menawarkan desain eksklusif, lokasi strategis, hingga kemudahan aksesibilitas dengan harga mulai dari Rp422 jutaan.

Nah, jika Anda tertarik membeli apartemen, penting juga mengetahui keuntungan dan cara pengajuan KPA apartemen.

Simak selengkapnya di bawah ini!

Keuntungan Mengajukan KPA Apartemen

pengajuan kredit kepemilikan apartemen kpa

Kredit Pemilikan Apartemen adalah layanan pembiayaan dari bank atau lembaga keuangan lain yang diberikan untuk masyarakat yang ingin membeli apartemen.

Biasanya, produk KPA dari bank dapat memberi bantuan pembiayaan antara 70—80 persen dari total harga apartemen yang ingin dibeli.

Jadi, Anda hanya perlu menyiapkan uang muka berkisar antara 10 persen30 persen.

Adapun, untuk tenor atau jangka waktu kreditnya biasanya mencapai 5—20 tahun.

Selain itu, Anda juga bisa mendapatkan berbagai keuntungan lain, seperti fasilitas suku bunga rendah, angsuran ringan, dan sebagainya.

Setelah mengetahui keuntungan KPA apartemen, simak panduan pengajuan KPA apartemen dan syaratnya.

Kita ambil contoh cara pengajuan KPA apartemen di Akasa Pure Living melalui beberapa langkah yang harus dilakukan.

Berikut adalah panduan membeli apartemen di Akasa Pure Living lewat KPA.

Cara Pengajuan KPA Apartemen

syarat pengajuan kpa

1. Pilih Unit Apartemen

Hal pertama sebelum mengajukan KPA adalah pilihlah tipe apartemen yang paling sesuai dengan anggaran dan kebutuhan Anda.

Untuk mempermudah mencari apartemen yang Anda inginkan, Anda dapat mengunjungi unit contoh di lokasi proyek atau melalui laman Rumah123.

Contohnya, jika Anda sedang mencari apartemen 1BR, Anda bisa melihat spesifikasi unit apartemen 1BR di Akasa Pure Living melalui laman tersebut.

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2. Pilih Produk KPA

Setelah memutuskan unit yang diinginkan, selanjutnya pilih produk KPA yang sesuai.

Kemudian, lakukan simulasi KPA melalui bank atau lembaga keuangan yang bekerja sama dengan pengembang, seperti Bank BCA, BRI, Mandiri, dan lainnya.

Simulasi ini akan memberikan proyeksi yang jelas mengenai besaran uang muka yang dibutuhkan, tingkat suku bunga yang berlaku, estimasi cicilan bulanan, serta opsi tenor atau jangka waktu pelunasan yang tersedia.

3. Persiapkan Syarat Pengajuan KPA

Jika sudah memilih produk KPA dan melakukan simulasi, persiapkan pula syarat-syarat pengajuan KPA.

Pasalnya, nantinya Anda akan diminta untuk melengkapi segala persyaratan dan dokumen yang dibutuhkan oleh pihak bank.

Oleh karena itu, persiapkan terlebih dahulu dokumen tersebut agar pengajuan KPA bisa diterima.

Berikut adalah syarat pengajuan KPA apartemen yang perlu Anda penuhi.

Syarat Pengajuan KPA bagi Pegawai atau Karyawan

  • Fotokopi KTP suami/istri
  • Fotokopi kartu keluarga dan surat nikah
  • Fotokopi NPWP
  • Pasfoto suami/istri ukuran 3×4 cm
  • Fotokopi SK terakhir/surat keterangan kerja asli
  • Fotokopi buku tabungan 3 bulan terakhir/rekening koran
  • Slip gaji asli dengan stempel perusahaan
  • Surat keterangan penghasilan (jika diperlukan)
  • Surat keterangan belum punya rumah dari lurah setempat (khusus pengajuan apartemen bersubsidi)

Syarat Pengajuan KPA Bagi Profesional atau Wiraswasta

  • Fotokopi KTP suami/istri (jika sudah menikah)
  • Fotokopi NPWP
  • Fotokopi kartu keluarga dan surat nikah (jika sudah menikah)
  • Fotokopi izin praktik
  • Fotokopi SIUP/NIB
  • Laporan keuangan
  • Fotokopi rekening koran selama 6 bulan terakhir
  • Slip gaji asli dengan stempel perusahaan
  • Surat keterangan belum punya rumah dari lurah setempat (khusus pengajuan apartemen bersubsidi)

Syarat Tambahan untuk Pengajuan KPA

Selain kedua persyaratan di atas, ada persyaratan lain yang harus Anda perhatikan sebelum mengajukan KPA ke bank, di antaranya:

  • Tidak di-blacklist atau termasuk dalam daftar hitam OJK.
  • Memiliki riwayat kredit yang baik.
  • Berusia minimal 21 tahun atau sudah bekerja selama 2 tahun.
  • Lebih baik jika mengajukan KPA ke bank tempat Anda biasa menabung sebab kesempatan pengajuan Anda disetujui jadi lebih besar.
  • Dokumen surat pemesanan atau perjanjian jual beli dengan developer, misalnya, PPJB Apartemen (jika ada).

Simulasi KPR Bank BCA

Hitung pembiayaan KPR Bank BCA dengan bunga terbaik di Rumah123

Rp
%
Rp
Angsuran/bulan mulai dari
Tahun ke-3
Bunga 5.4%
Rp. 1.637.404
Tahun ke-4 dan Seterusnya
Estimasi Bunga 12%
Rp. 2.512.753

4. Proses Pengajuan KPA ke Bank

Setelah Anda yakin dengan unit yang dipilih dan memahami rincian harga serta perkiraan cicilan KPA melalui simulasi, langkah selanjutnya adalah mengajukan KPA tersebut.

Anda bisa menghubungi kantor cabang bank terdekat, melalui tim penjualan apartemen, atau lewat Rumah123 guna dibantu lebih lanjut terkait proses pengajuan KPA.

Nantinya, bank akan meminta persyaratan yang telah Anda siapkan sebelumnya.

5. Verifikasi Dokumen Pengajuan KPA

Dalam proses pengajuan KPA, bank akan melakukan verifikasi menyeluruh terhadap dokumen-dokumen yang Anda berikan.

Verifikasi ini mencakup keabsahan dan kesesuaian identitas diri, alamat tempat tinggal, informasi sumber penghasilan, serta dokumen-dokumen pendukung lainnya yang relevan.

Selain itu, bank juga akan melakukan pengecekan riwayat kredit melalui Sistem Layanan Informasi Keuangan (SLIK).

Pengecekan yang dulunya dikenal dengan istilah BI Checking ini bertujuan untuk mengetahui bagaimana riwayat pembayaran kredit Anda di masa lalu.

Jika hasil SLIK OJK menunjukkan catatan kredit yang kurang baik, misalnya, memiliki tunggakan pinjaman yang belum diselesaikan atau pernah mengalami kredit macet (kolektibilitas 5), besar kemungkinan pengajuan pinjaman Anda akan ditolak bank.

Oleh karena itu, sangat penting untuk menyelesaikan semua tunggakan pinjaman terlebih dahulu dan memastikan riwayat kredit Anda tercatat lunas di sistem SLIK.

6. Bank Melakukan Appraisal

Tahap pengajuan KPA selanjutnya adalah proses appraisal yang dilakukan oleh pihak bank atau lembaga penilai independen.

Tujuan appraisal adalah untuk menentukan nilai pasar yang adil dari properti yang akan dibeli.

Nilai ini akan digunakan sebagai dasar untuk menentukan besaran pinjaman yang dapat diberikan oleh bank, serta untuk memastikan bahwa nilai jaminan properti sepadan dengan risiko kredit yang diambil.

7. Persetujuan KPA

Apabila calon debitur telah memenuhi persyaratan yang ditetapkan oleh bank dan properti yang diajukan juga memenuhi kriteria yang sesuai, bank akan memberikan persetujuan Kredit Pemilikan Apartemen (KPA).

Persetujuan ini akan diberikan dalam bentuk surat atau dokumen resmi yang menyatakan bahwa permohonan KPA telah disetujui dengan ketentuan dan persyaratan yang berlaku.

8. Akad Kredit

Setelah pengajuan KPA disetujui, kamu diminta untuk melakukan penandatanganan perjanjian kredit di hadapan notaris.

Notaris berperan penting dalam membacakan dan menjelaskan secara rinci isi perjanjian kredit.

Dengan begitu, kedua belah pihak memiliki pemahaman yang sama mengenai hak dan kewajiban yang melekat pada masing-masing pihak.

Dokumen perjanjian kredit memuat informasi penting terkait pinjaman, antara lain jumlah pinjaman yang disetujui, jenis suku bunga yang berlaku, tenor, besaran angsuran bulanan yang harus dibayarkan, biaya-biaya yang terkait dengan proses KPA (seperti biaya provisi, administrasi, notaris, dan asuransi), hingga syarat dan ketentuan lain yang perlu dipenuhi.

penawaran khusus properti harga di bawah pasaran

9. Serah Terima Unit

Setelah akad kredit ditandatangani, langkah terakhir adalah terima unit dari pengembang dan diminta menandatangani Berita Acara Serah Terima (BAST).

Penandatanganan BAST ini menandai bahwa kamu telah menerima unit dalam kondisi yang memuaskan dan menjadi dasar hukum jika ada masalah di kemudian hari.

Setelah BAST ditandatangani, kunci unit akan diserahkan kepada kamu yang secara resmi menjadi pemilik sah dan berhak menempati unit tersebut.

Namun, jika ditemukan ketidaksesuaian, sebelum menandatangani BAST, Anda berhak menuntut perbaikan pada pengembang.

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Tips Membeli Apartemen dengan KPA

tips membeli apartemen dengan kpa

Demikian cara kredit apartemen dengan contoh panduan membeli apartemen di Akasa Pure Living lewat KPA.

Nah, supaya KPA apartemen diterima oleh bank, ada beberapa hal yang harus Anda perhatikan saat pengajuan KPA tersebut, antara lain:

  • Pilih apartemen yang sesuai dengan bujet, lokasi, dan fasilitas yang ditawarkan.
  • Pastikan pendapatan bulanan cukup untuk menutupi cicilan KPA. Idealnya, batasi total angsuran bulanan Anda, termasuk KPA, hingga maksimal 30 persen dari total pendapatan.
  • Pastikan memiliki semua dokumen yang diperlukan untuk pengajuan KPA dan semuanya masih berlaku.
  • Cek lokasi apartemen dan unitnya.
  • Cek juga developer dan bank yang bekerjasama.
  • Konsultasikan kredit yang didapat dan besaran cicilan.
  • Lakukan perbandingan antara berbagai bank dan produk KPA yang mereka tawarkan. Pilihlah yang memberikan suku bunga terendah dan tenor yang paling menguntungkan bagi kondisi keuangan.

Demikianlah tata cara, syarat dan tips sebelum mengajukan KPA ke bank.

Yuk, #BeraniMulai ambil langkah beli rumah impian sekarang juga bersama Rumah123.

Semoga bermanfaat!

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