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Pengalaman Melunasi KPR BTN beserta Syarat Pengajuannya r123-share-title
Terakhir diperbarui 19 Nopember 2024 · 4 min read · by Insan Fazrul
Pengalaman melunasi KPR BTN bisa jadi rujukan bagi Anda yang ingin menuntaskan cicilan rumah.
Apalagi, tidak sedikit orang yang ingin melunasi KPR sebelum tenornya berakhir.
Lalu, apakah kita boleh melunasi KPR bank BTN lebih cepat dari tenggat waktu? Jawabannya bisa.
Bahkan, beberapa bank lain juga menerapkan aturan yang sama terkait hal ini.
Khusus untuk KPR bank BTN, kami akan mengulas secara detail mengenai syarat, biaya penalti, hingga cara peluasannya di bawah ini.
Syarat dan Penalti Pelunasan KPR BTN Lebih Cepat
Berdasarkan pengalaman sejumlah orang, terdapat beberapa persyaratan pelunasan KPR BTN yang harus dilengkapi oleh debitur, yaitu:
- Buku tabungan BTN
- Kartu identitas berupa KTP dan KK
- Kartu debitur KPR
- Materai senilai Rp6.000 atau Rp10.000.
Sementara, bagi yang ingin melakukan pelunasan KPR BTN lebih cepat, maka Anda akan mendapatkan penalti.
Penalti pelunasan KPR BTN yang harus dibayarkan biasanya sebesar 1% dari sisa pokok utang.
Umpamanya Anda sedang mencicil rumah di Podomoro Park Bandung, serta masih mempunyai sisa pokok utang sebesar Rp50.000.000.
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Maka, jumlah penalti pelunasan KPR BTN yang dibebankan kepada Anda sebesar Rp500.000.
Selain penalti, bisa saja ada biaya lain yang harus Anda keluarkan.
Setelah KPR lunas, Anda atau debitur akan mendapatkan Surat Keterangan Pelunasan KPR dari bank.
Maka itu, saat melunasi KPR Bank BTN sebelum masa tenor, Anda mesti menyiapkan sejumlah biaya.
Supaya lebih pasti, Anda bisa menghubungi pihak BTN perihal pelunasan KPR.
Cara dan Syarat Pengambilan Berkas Pelunasan KPR BTN
Ada beberapa hal yang perlu diperhatikan saat ingin melakukan pelunasan KPR BTN, di antaranya:
- Tanyakan terlebih dahulu sisa pokok pinjaman yang masih terhutang
- Sediakan dana sesuai dengan sisa pokok pinjaman tersebut
- Pihak bank akan melakukan debet rekening dalam rangka pelunasan KPR
- Setelah proses pelunasan, bank akan menginformasikan waktu pengambilan dokumen jaminan (sertifikat, AJB, IMB, dan lainnya)
- Lakukan pengambilan dokumen
Anda juga wajib mencermati syarat pengambilan berkas setelah membayar KPR sampai lunas.
Sebelum itu, Anda harus melakukan proses pengajuan berkas dan membayar sisa pokok utang, termasuk penalti.
Setelahnya, pihak bank akan menghubungi Anda untuk pengambilan dokumen jaminan.
Karena itu, proses pelunasan KPR BTN tidak sebentar, Anda harus menunggu beberapa hari bahkan minggu untuk mendapatkan informasi dari bank.
Simulasi KPR Bank BTN
Hitung pembiayaan KPR Bank BTN dengan bunga terbaik di Rumah123
Rp
%
Rp
Bunga Fix
5.46%
Tenor maks.
30 tahun
Bunga Fix
7.59%
Tenor maks.
30 tahun
Bunga Fix
8.39%
Tenor maks.
30 tahun
Bunga Fix
8.88%
Tenor maks.
30 tahun
Bunga Fix
8.88%
Tenor maks.
30 tahun
Bunga Fix
8.99%
Tenor maks.
30 tahun
Bunga Fix
9.49%
Tenor maks.
30 tahun
Bunga Fix
9.99%
Tenor maks.
30 tahun
Bunga Fix
10.59%
Tenor maks.
30 tahun
Bunga Fix
11.59%
Tenor maks.
30 tahun
Angsuran/bulan mulai dari
Memuat hasil simulasi...
Tahun ke-3
Bunga 5.46%
Rp. 1.356.677
Tahun ke-4 dan Seterusnya
Estimasi Bunga 12%
Rp. 2.391.920
Nah, begitu dihubungi pihak bank mengenai jadwal pengambilan berkas, ada beberapa dokumen yang harus dibawa:
- Fotokopi formulir penyetoran dua rangkap
- Fotokopi KTP sebanyak dua rangkap
- Buku tabungan
- Fotokopi surat rincian pelunasan dipercepat dua rangkap
- Kartu ATM (opsional).
Persyaratan di atas akan ditukarkan dengan berkas-berkas penting berikut ini:
- Perjanjian kredit
- Sertifikat Hak Guna Bangunan (HGB)
- Izin Mendirikan Bangunan (IMB)
- Surat Kuasa Memberikan Hak Tanggungan
- Polis Asuransi.
Tips sebelum Melunasi KPR Lebih Cepat
Pelunasan KPR BTN atau bank lainnya, tentu memberikan perasaan lega karena dapat mengurangi beban finansial.
Namun, sebelum itu, Anda harus memperhatikan banyak hal.
Sebagai pertimbangan, berikut beberapa tips yang perlu dicatat sebelum melunasi KPR lebih cepat.
1. Adanya Cicilan Lainnya
Salah satu pertimbangan mempercepat pelunasan KPR BTN adalah adanya beban cicilan lain.
Maka itu, melunasi cicilan KPR lebih cepat setidaknya bisa memberi keringanan, sehingga kondisi finansial jadi lebih stabil.
2. Perhatikan Kondisi Keuangan
Meski telah mampu menekan pengeluaran, tetapi kamu harus mencermati kondisi finansial saat ini.
Bila memang ingin melunasi KPR lebih cepat, pastikan Anda mampu.
Pasalnya, seperti disebutkan, melunasi KPR mengharuskan Anda mengeluarkan denda penalti.
Alhasil, utang yang mesti dibayarkan jumlahnya lebih besar.
Andai belum mampu atau terlalu memaksakan, lebih baik tahan dulu niat untuk melunasi KPR.
Tunggu sampai Anda benar-benar siap.
3. Pastikan Anda Memiliki Tabungan
Meski memiliki uang cukup untuk melunasi KPR sekaligus, tetapi bisa saja setelahnya tabungan menjadi habis tidak tersisa.
Maka itu, penting untuk tetap memiliki sejumlah dana simpanan pasca-melunasi KPR.
Setidaknya, Anda tetap merasa aman untuk memenuhi kebutuhan sehari-hari karena terdapat tabungan darurat.
Baca juga:
Pengalaman Take Over KPR ke Bank Syariah (Biaya hingga Keuntungannya)
Itulah pengalaman melunasi KPR BTN beserta syarat dan tips pengajuannya.
Punya pertanyaan lain seputar properti? Yuk, diskusikan di Teras123!
Semoga bermanfaat.
