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KPR Bank Syariah Indonesia
Foto: bankbsi
Rekomendasi produk KPR syariah pertama berasal dari Bank Syariah Indonesia (BSI), bernama BSI Griya Hasanah.
Margin KPR BSI mulai dari 2,5 persen untuk KPR/A Primary dengan masa kredit 1-15 tahun, serta margin mulai 4,56 persen untuk KPR/A secondary & take over untuk masa kredit 1-15 tahun.
Simulasi KPR Bank Syariah Indonesia
Hitung pembiayaan KPR Bank Syariah Indonesia dengan bunga terbaik di Rumah123
Rp
%
Rp
Bunga Fix
2.55%
Tenor maks.
15 tahun
Bunga Fix
4.56%
Tenor maks.
3 tahun
Bunga Fix
6.25%
Tenor maks.
5 tahun
Bunga Fix
8.75%
Tenor maks.
5 tahun
Bunga Fix
8.96%
Tenor maks.
5 tahun
Bunga Fix
9.55%
Tenor maks.
10 tahun
Bunga Fix
9.9%
Tenor maks.
15 tahun
Bunga Fix
10.25%
Tenor maks.
20 tahun
Bunga Fix
12.85%
Tenor maks.
30 tahun
Bunga Fix
13.75%
Tenor maks.
15 tahun
Bunga Fix
13.96%
Tenor maks.
15 tahun
Angsuran/bulan mulai dari
Memuat hasil simulasi...
Tahun ke-1 dan seterusnya
Bunga 2.55%
Rp. 1.605.949
Keunggulan lainnya dari KPR BSI Griya Hasanah yakni bisa memilih angsuran berjenjang atau tetap, jangka waktu hingga 30 tahun, dan bebas biaya-biaya.
Skema KPR bank syariah selanjutnya ditawarkan oleh salah satu anak perusahaan bank terbesar di Indonesia, yaitu BCA Syariah dengan produk KPR iB BCA Syariah.
Program tersebut berlaku untuk Anda yang ingin membeli rumah, melakukan renovasi, atau refinancing.
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BCA memberlakukan akad berbeda-beda untuk setiap programnya, yakni akad murabahah untuk rumah ready stock dan renovasi rumah, akad istishna untuk rumah inden, dan akad ijarah muntahiya bittamlik (IMBT) untuk refinancing.
Salah satu keunggulan dari iB BCA Syariah adalah pembiayaan KPR mulai dari Rp100 juta, dengan margin berjenjang dari rate 7,5% sampai dengan 20 tahun pembiayaan.
KPR BTN Syariah
Foto: infobanknews
Skema KPR bank syariah selanjutnya adalah BTN Syariah yang menawarkan produk KPR berupa Pembiayaan Properti BTN iB.
Salah satu program pembiayaan unggulannya bernama BTN Platinum iB dengan margin mulai dari 7,75 persen dan masa kredit dari 1-20 tahun.
Program KPR ini memiliki keunggulan seperti angsuran tetap hingga lunas, dilindungi asuransi jiwa dan kebakaran, nilai pembiayaan bebas, hingga jangka waktu sampai 20 tahun.
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Selain untuk rumah komersial, BTN Syariah juga memiliki program KPR untuk rumah subsidi, bernama KPR BTN Bersubsidi iB.
Bekerja sama dengan Kementerian Pekerjaan Umum dan Perumahan Rakyat, program KPR ini memberlakukan akad murabahah (jual beli) yang memberikan berbagai macam manfaat.
Beberapa keunggulannya adalah angsuran ringan dan tetap hingga lunas, bebas PPN, perlindungan asuransi jiwa dan kebakaran, subsidi uang muka hingga Rp4 juta, dan jangka waktu sampai 20 tahun.
KPR syariah Bank Muamalat atau lebih dikenal dengan KPR iB Muamalat memiliki program KPR dengan margin mulai 8,5 persen untuk masa kredit hingga 7 tahun.
Tak hanya untuk pembelian rumah tinggal, fasilitas pembiayaan tersebut juga berlaku untuk renovasi rumah, pembangunan rumah di tanah pribadi, take over, dan top up plafon KPR.
Untuk akad atau perjanjian jual belinya, KPR iB Muamalat menerapkan sistem akad murabahah (jual beli) ataupun musyarakah mutanaqisah (kerja sama).
Simulasi KPR Syariah
Hitung pembiayaan KPR syariah dengan rekomendasi bank terbaik di Rumah123
Melalui Unit Usaha Syariah (UUS), Maybank meluncurkan KPR syariah dengan margin mulai 4,25 persen dengan masa kredit hingga 20 tahun.
Lewat program ini, pembelian properti akan dilakukan sesuai akad musyarakah mutanaqishah (MMQ).
Nasabah juga dapat memilih fitur take over KPR apabila memilih untuk memindahkan fasilitas KPR dari bank sebelumnya ke fasilitas pembiayaan Maybank Syariah.
Jenis-jenis Akad KPR Bank Syariah di Indonesia
Saat memutuskan untuk mengambil KPR di bank syariah, Anda mesti memiliki bekal pengetahuan yang cukup dulu mengenai akad.
Singkatnya, akad kredit adalah rangkaian proses dalam KPR atau KPA, dengan tujuan agar terjadinya kesepakatan antara pihak bank dan debitur.
Dalam KPR syariah, terdapat akad murabahah, akad istishna, akad ijarah muntahiyah bi tamlik, dan akad musyarakah mutanaqishah (MMQ). Ketahui penjelasan akad tersebut di bawah ini.
Akad Murabahah atau Jual Beli
Seperti namanya, pada akad ini akan ada perjanjian jual-beli antara pihak bank dan calon nasabah KPR syariah.
Mekanismenya, pihak bank akan membeli rumah yang dipilih oleh calon nasabah, lalu menjualnya kembali dengan harga yang ditetapkan berdasarkan kesepakatan.
Harga jual, termasuk jumlah cicilan plus margin-nya, telah disepakati dan transparan sejak kesepakatan tersebut.
Akad Musyarakah Mutanaqishah
Dalam akad musyarakah mutanaqishah (MMQ), bank akan menjalankan kesepakatan dalam membeli rumah secara bersama-sama atau patungan dengan nasabah.
Secara bertahap, porsi kepemilikan nasabah akan terus bertambah hingga 100 persen karena terus membayar cicilan beserta jumlah margin-nya kepada pihak bank.
Akad ini memberikan kepastian besaran cicilan yang tetap setiap bulannya, sehingga tidak perlu khawatir akan fluktuasi ekonomi yang tak menentu.
Akad Ijarah Muntahiyah Bi Tamlik atau Sewa Beli
Pada akad ini, nasabah akan berperan sebagai penyewa dari rumah yang telah dibeli oleh pihak bank.
Namun, pembayaran sewa tersebut dianggap juga oleh bank sebagai pelunasan pembiayaan.
Nantinya, bank akan menghibahkan rumah tersebut berdasarkan kesepakatan kepada pihak nasabah.
Akad Istishna’ atau Pesan Bangun
Akad ini biasa digunakan untuk KPR syariah yang kondisi rumahnya masih inden.
Selama masa pembangunan berjalan, nasabah akan diminta untuk membuat rekening yang disetor secara rutin.
Begitu proses pembangunan selesai, diharapkan pembayaran cicilan rumahnya juga sudah selesai.
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Itulah tadi beberapa bank syariah dengan produk KPR syariah yang bisa diapakai untuk membeli rumah tanpa riba.