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Apa Itu Saldo Mengendap KPR BTN dan Berapa Besarnya?

Terakhir diperbarui 27 Desember 2023 · 4 min read · by Miyanti Rahman

saldo mengendap KPR BTN

Kamu bisa memiliki hunian impian dengan cara mudah dengan Kredit Pemilikan Rumah (KPR) dari Bank Tabungan Negara (BTN). Namun, jangan lupa siapkan saldo mengendap KPR BTN.

Ya, saat mengajukan permohonan KPR BTN memang ada dana yang perlu disiapkan selain uang muka atau down payment (DP). Biaya-biaya KPR tersebut meliputi:

  • Biaya provisi 0,5% dari jumlah pinjaman.
  • Biaya asuransi jiwa dan kebakaran sesuai ketentuan perusahaan asuransi rekanan BTN.
  • Biaya materai.
  • Biaya appraisal internal Rp1.000.000.
  • Biaya Administrasi Pembaruan Hak Tanah (APHT) 1% dari plafon.
  • Biaya perjanjian hak tanggungan (accesoir) 1% dari plafon.

Nah, selain rincian yang disebutkan di atas, pemohon juga perlu menyiapkan saldo mengendap BTN. Biasanya, besarnya satu kali angsuran KPR per bulan.

Lantas, apa itu saldo mengendap dan fungsinya? Apakah saldo mengendap bisa diambil kalau suatu hari kamu membutuhkannya? Mari kita simak jawabaan selengkapnya di sini.

Apa Itu Saldo Mengendap?

Saldo mengendap adalah nominal minimal yang ditetapkan oleh pihak bank agar tetap berada dalam rekening nasabah. Besarnya berbeda-beda tergantung kebijakan masing-masing bank.

Ada alasan bank menerapkan kebijakan saldo mengendap. Salah satunya untuk menutupi biaya overhead cost bank (biaya yang dikeluarkan oleh bank dalam melaksanakan kegiatan operasionalnya) seperti:

  • biaya tabungan;
  • biaya umum dan administrasi;
  • biaya tenaga kerja;
  • biaya sewa;
  • biaya penyusutan aset dan peralatan kantor;
  • dan lain-lain.
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Maka dari itu, kebijakan tentang saldo mengendap KPR BTN syariah, konvensional dan bank lain berbeda-beda. Tergantung strategi masing-masing dalam meningkatkan daya saing produk.

Selain itu, saldo mengendap berfungsi sebagai dana pengaman untuk menutup biaya administrasi rekening apabila nasabah tak menggunakan rekeningnya lagi.

Dalam konteks KPR fungsinya tak jauh berbeda, yaitu sebagai pengaman atau jaminan pelunasan utang. Nah, begitulah pengertian dan fungsi saldo mengendap yang perlu diketahui.

Besar Saldo Mengendap BTN

Saldo mengendap KPR BTN konvensional dan syariah biasanya satu kali besar angsuran rumah. Contohnya, kamu mengajukan kredit rumah di Podomoro Park Bandung.

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Misalnya besar angsuran per bulan kredit rumah Podomoro Park adalah Rp8.000.000. Maka besar saldo mengendap yang harus disiapkan adalah sebesar jumlah angsuran tersebut.

Jadi, apabila membeli rumah ini kamu harus menyiapkan biaya KPR BTN yang sudah disiapkan di atas. Tanpa harus menyiapkan uang DP, biaya akta jual beli dan bea perolehan hak.

Pasalnya, developer memberikan promo spesial, selain itu pembeli rumah juga bisa memilih custom layout sesuai dengan rumah impiannya!

Berapa Lama Masa Aktif Rekening BTN?

Selain seluk-beluk saldo mengendap, kamu juga perlu mengetahui masa aktif ATM BTN jika saldo kosong. Pasalnya, kedua hal ini saling berkaitan satu sama lain.

  • Jika saldo di atas batas minimal, maka rekening akan tetap berstatus aktif.
  • Jika saldo 0 rupiah selama tiga bulan berturut-turut, maka rekening bersifat dormant dan masih bisa diaktifkan kembali ketika melakukan transaksi melalui ATM ataupun e-banking.
  • Jika rekening pasif selama enam bulan, maka bisa dipastikan akun bank terblokir.

Saldo Mengendap KPR BTN Apakah Bisa Diambil?

Saldo mengendap KPR BTN tidak bisa diambil karena berfungsi sebagai pengaman atau jaminan pelunasan utang. 

Apabila angsuran KPR sudah lunas, biasanya pihak bank akan menyarankan nasabah untuk mengonfirmasi ke kantor cabang BTN tempatmu mengajukan permohonan KPR.

Itulah ketentuan seputar saldo mengendap KPR BTN, untuk bank lain seperti OCBC NISP, Bank Mandiri, CIMB Nigara, Maybank, Bank Danamon tentu berbeda lagi.

Simulasi KPR Bank OCBC NISP

Hitung pembiayaan KPR Bank OCBC NISP dengan bunga terbaik di Rumah123

Rp
%
Rp
Angsuran/bulan mulai dari
Tahun ke-1
Bunga 3.25%
Rp. 1.169.559
Tahun ke-2 dan Seterusnya
Estimasi Bunga 12%
Rp. 2.477.811

Jika ada pertanyaan tentang produk KPR bank-bank di atas, maka jangan ragu untuk menghubungi tim Rumah123.com melalui kontak WhatsApp di halaman KPR bank.

Kami siap menjawab pertanyaanmu dan membantu mengajukan KPR sampai beres! Semoga informasi dalam artikel ini membantu, ya!

Punya pertanyaan seputar properti? Yuk, Tanya Rumah123 di sini!