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Proses KPR Berapa Lama? Ini Tips Agar KPR Cepat Diterima

Terakhir diperbarui 21 Mei 2024 · 7 min read · by Yongky Yulius

Proses KPR Berapa LamaIlustrasi proses KPR berapa lama: propertyhunter.com

Salah satu pertanyaan yang sering muncul ketika hendak mengajukan KPR adalah proses KPR berapa lama?

Biasanya, proses KPR akan memakan waktu sekitar 18 hingga 40 hari sejak pengajuan diterima.

Mengapa pengajuan bisa memakan waktu cukup lama?

Itu karena dalam pengajuan KPR ada beberapa tahap yang mesti dilalui.

Untuk lebih jelasnya, kamu bisa mengetahui tahap proses KPR berapa lama melalui uraian di bawah ini.

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Tahapan dalam Proses KPR

Cari Informasi dari Bank

bank yang menerima KPR

Foto: Vertigo3d from Getty Images Signature via Canva Pro

Tahapan pertama dalam proses KPR adalah mencari informasi dari pihak bank.

Anda bisa membandingkan satu produk KPR dengan produk KPR lainnya.

Cari mana produk yang berasal dari bank kredibel, menawarkan promo menarik, dan tentunya memberlakukan suku bunga kompetitif.

Jika sudah memiliki rumah incaran, Anda tinggal bertanya saja ke pihak developer-nya, sudah bekerja sama dengan bank mana.

Atau agar lebih praktis lagi, Anda bisa menjelajahi laman KPR Rumah123.

Di laman ini, terdapat banyak pilihan produk KPR dari sejumlah bank, termasuk bunga yang ditawarkan dan masa kreditnya.

Melengkapi Persyaratan

menyerahkan persyaratan dalam KPR

Foto: RDNE Stock project from Pexels via Canva Pro

Tahapan berikutnya dari proses KPR adalah melengkapi persyaratan dan dokumen yang dibutuhkan.

Secara garis besar, beberapa persyaratan dari pengajuan KPR adalah sebagai berikut:

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  • Identitas, baik itu KTP, paspor, atau SIM.
  • Jika sudah menikah, wajib melampirkan surat nikah.
  • Kartu Keluarga
  • Foto diri. Apabila telah menikah, wajib juga melampirkan foto pasangan.
  • Salinan SPT tahun terakhir dan NPWP pribadi.
  • Slip gaji, minimal satu bulan terakhir.
  • Salinan rekening tabungan dalam tiga bulan terakhir.
  • Surat keterangan kerja.
  • Akta pisah harga notariil.
  • IMB, SHB, atau SHM (salinan dari developer).

Perlu dicatat, syarat di atas hanya merupakan garis besarnya saja.

Setiap bank, bisa saja memberlakukan persyaratan yang berbeda.

Analisis oleh Pihak Bank

Tahapan dalam Proses KPRIlustrasi proses KPR berapa lama: housing.com

Selanjutnya, pihak bank akan melakukan sejumlah analisis.

Pada tahap ini, bank akan mengecek skor kredit berdasarkan BI checking atau Slik OJK.

Jika Anda memiliki banyak kredit bermasalah, pengajuan KPR kemungkinan besar akan ditolak bank.

Kemudian, bank juga akan melakukan wawancara dengan tujuan verifikasi terhadap informasi seperti kemampuan finansial dan pekerjaan.

Bank ingin melihat, apakah profil finansial Anda sebagai calon debitur sesuai dengan program KPR yang diajukan.

Berikutnya, pihak bank juga akan melakukan penilaian atas harga properti atau appraisal.

Ada kalanya bank menggunakan jasa pihak ketiga untuk proses tersebut, seperti menggunakan jasa Kantor Jasa Penilai Publik (KJPP).

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Kalkulasi dan Penawaran

penawaran dari pihak bank

Foto: YinYang from Getty Images Signature via Canva Pro

Proses KPR setelah appraisal adalah kalkulasi yang dilakukan pihak bank. Pihak bank akan mengkalkulasi dan mengonfirmasi ketentuan mengenai KPR.

Pada proses ini, Anda harus cermat dalam membaca kesepakatan seperti jumlah cicilan, jenis bunga yang diambil, dan lainnya.

Jika ada pertanyaan maka langsung tanyakan ke pihak bank. Jangan sampai setelah KPR disetujui, Anda justru kebingungan dengan kesepakatan yang sudah dibuat sebelumnya.

Kredit Disetujui oleh Bank

persetujuan dari pihak bank

Foto: girubalani garnarajan from Getty Images via Canva Pro

Jika tidak ada hambatan yang berarti, maka kredit akan disetujui pihak bank.

Bank akan membuat Surat Persetujuan Kredit (SPK) dan akan menunjuk notaris untuk mengurus seluruh persyaratan.

Masalah tarif notaris, calon debitur dapat menanyakan kepada notaris yang ditunjuk. Jika terlalu berat, maka calon debitur juga bisa mengajukan negosiasi.

Tanda Tangan Akad Kredit

tanda tangan akad kredit

Foto: Pattanaphong Khuankaew from Getty Images Pro via Canva Pro

Terakhir ada proses tanda tangan akad kredit yang dilakukan di hadapan notaris pada waktu yang sudah disepakati.

Tidak hanya dilakukan di hadapan notaris, ada beberapa pihak lain yang juga harus hadir saat akad kredit, yaitu penjual, wakil dari bank, pihak pembeli (suami dan istri).

Nah, jadi itu dia sejumlah tahapan yang membuat proses KPR bisa berjalan dari 18 hingga 40 hari.

Setelah mengetahui proses KPR berapa lama, kini Anda juga sudah mengetahui alasan di balik waktu pengajuan KPR cukup lama.

Ingin proses KPR cepat diterima pihak bank? Ikuti beberapa tips berikut ini.

tessa rumah123

Tips atau Cara Agar KPR Cepat Disetujui

Lunasi Semua Kredit

Memiliki Laporan Kredit yang Sehat

Ilustrasi proses KPR berapa lama: bobvila.com

Jika saat ini Anda masih memiliki kredit, apalagi kredit yang tertunggak, sebaiknya segera lunasi.

Apabila kredit Anda berstatus bermasalah, bisa menjadi penghambat saat proses BI checking atau SLIK OJK.

Seperti dijelaskan sebelumnya, salah satu tahapan dalam proses KPR adalah BI checking.

Jangan Mengajukan Kredit Lain

Tidak Mengajukan Kredit Lain

Ilustrasi proses KPR berapa lama: howstuffworks

Tips selanjutnya, sebaiknya Anda menahan diri untuk tidak mengajukan kredit lain dulu sebelum atau saat proses pengajuan KPR.

Kredit itu misalnya adalah kredit kendaraan atau barang elektronik.

Jika saat ini sedang mengajukan kredit lain, bisa saja pihak bank menilai Anda tidak sanggup secara finansial untuk KPR karena harus membayar beberapa cicilan sekaligus.

Jadi, sebaiknya ajukan permohonan KPR ketika tidak punya beban cicilan lainnya, ya.

Memilih Rumah Sesuai dengan Kemampuan

Memilih Rumah Sesuai dengan Kemampuan

Ilustrasi proses KPR berapa lama: apartmenttherapy.info

Supaya KPR disetujui, pilihlah harga rumah yang sesuai dengan kemampuan ekonomi.

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Sejumlah ahli keuangan menyarankan, beban cicilan KPR tidak boleh melebihi 30 persen dari total pendapatan bulanan Anda.

Jika beban KPR lebih dari itu, bank akan menilai, kemungkinan Anda menunggak cicilan rumah bisa semakin tinggi.

Siapkan DP Besar

Alokasi Dana dengan Tepat

Ilustrasi proses KPR berapa lama: housing.com

Sebaiknya, Anda mengikuti KPR dengan uang down payment atau DP yang besar.

Semakin besar DP, akan semakin ringan angsuran yang mesti dibayarkan.

Selain itu, DP yang besar juga bisa membuat bank yakin dengan kondisi ekonomi Anda.

Sebelum mengajukan KPR, Anda juga bisa menggunakan kalkulator kemampuan KPR Rumah123.com untuk mengetahui estimasi besar DP dan cicilan.

Itulah beberapa tips jika ingin proses KPR cepat disetujui.

Setelah melakukan beberapa tips tersebut, Anda pasti bertanya-tanya, apakah pengajuan KPR yang Anda ajukan diterima atau tidak.

Agar tidak semakin bertanya-tanya, sebaiknya Anda ketahui beberapa tanda permohonan KPR disetujui bank.

Tanda Permohonan KPR Disetujui Bank

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Bank Menghubungi dalam Waktu 1 Minggu

Jika bank menghubungi kembali dalam waktu satu minggu, kemungkinan besar proses pengajuan KPR lancar dan berpotensi diterima.

Itu karena Anda dinilai cocok untuk pengajuan program KPR karena semua persyaratan terpenuhi, berkas-berkas lengkap, dan riwayat kredit baik.

Pihak Bank Terus Menghubungi

Tanda berikutnya pengajuan permohonan KPR akan diterima adalah, pihak bank bakal lebih intens menghubungi.

Tidak hanya satu kali, bank akan melakukan sejumlah konfirmasi ulang atas beberapa berkas yang sebelumnya telah diajukan.

Biasanya, proses satu konfirmasi ke konfirmasi lainnya tidak terlalu lama.

Anda Diminta untuk Mendatangi Bank

Setelah cukup mewawancarai calon debitur, selanjutnya pihak bank akan meminta calon debitur untuk datang guna menyelesaikan transaksi kredit.

Jika ini terjadi, artinya Anda tinggal selangkah lagi untuk memiliki rumah impian.

Pihak bank juga akan memberikan SP3K atau Surat Penegasan Persetujuan Penyediaan Kredit, dan akan menentukan tanggal akad sekaligus penandatanganan akta jual beli.

Bagaimana? Pertanyaan Anda soal proses KPR berapa lama sudah terjawab kan?

Proses KPR selesai tentunya tergantung dari kelengkapan persyaratan, dokumen, serta tahapan yang dilakukan oleh pihak bank.

FAQ

Berapa lama proses KPR rumah second?

Prosesnya memakan waktu sekitar 3 hingga 6 bulan, tergantung bank yang digunakan.

Berapa lama proses SP3K keluar?

SP3K biasanya dikeluarkan oleh bank dalam waktu 5 hingga 7 hari.

Berapa lama proses akad bank?

Tanda tangan akad kredit dilakukan dalam waktu 1–2 minggu setelah debitur mendapat informasi persetujuan kredit dari bank.

Ngobrol tentang KPR di forum tanya jawab properti Teras123.

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