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Pengertian Top Up KPR, Syarat dan Cara Pengajuannya

Terakhir diperbarui 19 Desember 2023 · 6 min read · by Septian Nugraha

top up kpr

Top up KPR, istilah tersebut barangkali masih terdengar asing di telinga sebagian besar masyarakat.

Sederhananya, top up KPR adalah penambahan plafon kredit pemilikan rumah yang sedang berjalan.

Misalnya Anda telah mengajukan KPR untuk pembelian rumah di Jatinangor City Park, dengan plafon sebesar Rp600 juta.

Setelah 2 tahun KPR berjalan, Anda berencana merenovasi rumah dan hendak menambah plafon pinjaman sebesar Rp100 juta.

Penambahan plafon kredit dari Rp600 juta menjadi Rp700 juta itulah yang dinamakan top up KPR.

Lantas, apa saja kelebihan dan manfaat melakukan top up KPR? Lalu, bagaimana syarat dan cara pengajuannya? Agar lebih jelas, simak ulasannya di bawah ini.

Kelebihan dan Manfaat Top Up KPR

kelebihan dan manfaat top up kpr

Top up KPR memang membuat jumlah utang ke bank bertambah besar.

Namun, pengajuan penambahan plafon pinjaman ini memiliki sejumlah manfaat, di antaranya:

1. Bisa Dimanfaatkan untuk Berbagai Keperluan

Dana segar yang didapatkan dari top up KPR bisa dimanfaatkan untuk berbagai keperluan, manfaatnya mirip dengan kredit multiguna.

Artinya, uang tersebut bisa digunakan sesuai kebutuhan seperti renovasi rumah, biaya pendidikan, pembelian kendaraan, hingga pembelian rumah kedua.

2. Proses Cepat dan Mudah

Top up KPR hanya bisa dilakukan oleh nasabah dengan kredit rumah yang masih berjalan.

Selain itu, nasabah tersebut harus memiliki rekam jejak kredit yang baik, artinya tidak pernah menunggak cicilan KPR.

Jika kedua syarat itu terpenuhi, Anda bisa mengajukan top up dengan proses yang cepat dan mudah.

Pasalnya, bank sudah memiliki data BI checking atau rekam jejak kredit Anda.

3. Potensi Mendapatkan Bunga Lebih Rendah

Banyak lembaga perbankan yang menerapkan suku bunga pinjaman rendah dalam program top up.

Sehingga, nasabah yang mengajukan top up bisa mendapatkan pembaruan suku bunga yang lebih rendah dari sebelumnya.

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Misalnya Anda memiliki cicilan KPR di perumahan Metland Transyogi yang sudah berjalan selama 5 tahun, dengan penerapan suku bunga KPR floating sebesar 13%.

Anda pun mengajukan top up, yang diketahui menerapkan suku bunga sebesar 8,35% fixed 3 tahun.

Karena top up, penerapan floating rate sebesar 13% dari pinjaman sebelumnya tidak berlaku lagi.

Seluruh pinjaman Anda sebelumnya akan menerapkan suku bunga sesuai program top up tersebut, yakni 8,35% fixed 3 tahun.

4. Tenor Pinjaman Panjang

Selain berpotensi mendapatkan suku bunga rendah, Anda juga bisa memperpanjang tenor pinjaman dengan mengajukan top up.

Perpanjang tenor pinjaman tentu membuat cicilan Anda jadi lebih ringan.

Akan tetapi, hal tersebut juga membuat beban hutang yang dipikul bertambah panjang.

Baca juga:

Lebih Baik Mana, Beli Rumah KPR atau Pinjam Bank?

Ketentuan Umum Pengajuan Top Up KPR

ketentuan umum pengajuan top up kpr

Bagaimana, tertarik untuk mengajukan top up? Jika iya, ada sejumlah ketentuan umum yang harus diketahui mengenai pengajuan top up. Berikut penjelasannya.

1. Harga Rumah Mengalami Kenaikan

Selain harus berstatus nasabah dengan cicilan KPR berjalan, top up dapat diajukan dengan catatan terjadinya kenaikan harga jual rumah.

Kenaikan harga rumah biasanya dijadikan acuan bank dalam menentukan nilai top up bagi nasabahnya.

2. Lama KPR Berjalan

Ketentuan lain adalah durasi cicilan KPR berjalan. Setiap bank mematok durasi KPR berjalan berbeda, dengan rata-rata 2-10 tahun.

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Jadi kalau masa pinjaman KPR Anda belum memasuki batas waktu tersebut, berarti pengajuan top up belum bisa dilakukan.

3. Riwayat Cicilan

Tidak semua nasabah bisa mendapatkan fasilitas top up, apalagi jika catatan kreditnya buruk.

Perihal riwayat cicilan, sudah pasti masuk dalam syarat yang diminta bank dalam pengajuan top up.

Rata-rata bank mengharuskan nasabah memiliki kualitas kredit dengan status lancar, setidaknya selama 6 bulan terakhir.

Baca juga:

Tahapan KPR, dari Pengajuan hingga Diterima

Syarat dan Cara Pengajuan Top Up KPR

syarat dan cara pengajuan top up kpr

Syarat pengajuan top up KPR sebenarnya simpel, tidak jauh berbeda dengan mengajukan KPR pada umumnya. 

Agar tidak keliru, berikut syarat dan cara top up KPR dari sejumlah lembaga perbankan ternama di Indonesia:

1. Top Up KPR BTN

Cara top up KPR BTN sejatinya mudah, Anda tinggal mendatangi kantor cabang BTN terdekat untuk melakukan pengajuan.

Kemudian, pergi ke bagian marketing KPR dan konsultasikan kebutuhan top up KPR tersebut.

Selanjutnya, mengisi formulir dan menyerahkan sejumlah dokumen persyaratan. 

Setelah proses pengumpulan data dan dokumen rampung, bank akan melakukan appraisal rumah dan menentukan nilai top up untuk Anda.

Jika pengajuan disetujui, nasabah menandatangani Surat Perjanjian Kredit (SPK) dan akad kredit.

Adapun syarat pengajuan top up KPR di BTN adalah sebagai berikut: 

  • Warga Negara Indonesia (WNI)
  • Usia 21-65 tahun
  • KTP
  • Fotocopy NPWP
  • Rekening Tabungan BTN
  • Spesifikasi hunian sesuai peraturan pemerintah
  • Form pengajuan KPR BTN
  • Fotocopy  Kartu Keluarga 
  • Fotocopy Surat Nikah/Cerai
  • Slip Gaji
  • SK Pengangkatan (khusus pegawai instansi)
  • SIUP/TDP (khusus wiraswasta)
  • FC izin praktik (khusus profesional).

Bunga KPR Terbaru

Beli properti impian dengan memilih produk KPR terbaik di Rumah123
Bank Mandiri
Bunga mulai
2.5%
Tenor maks.
20 tahun
Angsuran mulai dari
Rp. 1.271.767
Bank BCA
Bunga mulai
2.67%
Tenor maks.
25 tahun
Angsuran mulai dari
Rp. 1.097.343
Bank OCBC NISP
Bunga mulai
3.25%
Tenor maks.
25 tahun
Angsuran mulai dari
Rp. 1.169.559
Bank BTN
Bunga mulai
4.99%
Tenor maks.
30 tahun
Angsuran mulai dari
Rp. 1.286.906
*Perhitungan angsuran berdasarkan tenor maksimal, harga rumah Rp 300 juta, dan uang muka 20%. Lihat Semua Bank

2. Top Up KPR Mandiri

Cara top up KPR Mandiri tidak berbeda jauh dengan pengajuan top up KPR BTN. 

Anda bisa langsung mendatangi kantor cabang Bank Mandiri terdekat dan mengajukan top up KPR. 

Selain itu, Anda juga bisa mengajukan permohonan secara online lewat situs resmi Bank Mandiri. 

Di sana telah tersedia form yang bisa diunduh, lengkap dengan cara dan syarat pengajuannya, seperti:

  • Debitur eksisting Mandiri KPR/Multiguna yang merupakan Warga Negara Indonesia (WNI) dan berdomisili di Indonesia
  • Berusia minimal 21 tahun dan saat kredit berakhir maksimal 55 tahun untuk pegawai/sesuai usia pensiun perusahaan
  • Kredit sudah berjalan minimal 12 (dua belas) bulan
  • Kualitas kredit dengan status lancar selama 6 bulan terakhir
  • Agunan KPR/Multiguna eksisting telah terpasang Hak Tanggungan
  • Agunan KPR/Multiguna masih sesuai peruntukan
  • Masih berstatus pekerjaan yang sama.

3. Top Up KPR BCA

BCA juga memiliki layanan top up KPR dengan syarat yang relatif mudah, misalnya:

  • Fasilitas KPR yang dimiliki sudah berjalan minimal 2 tahun
  • Kepemilikan jaminan berupa SHM
  • Kolektibilitas lancar selama 12 bulan terakhir untuk pinjaman yang sedang berjalan.

Anda yang ingin mengajukan top up KPR BCA bisa melakukan pengajuan via aplikasi MyBCA, ya.

Baca juga:

Proses Pengajuan KPR Ruko beserta Syaratnya, Gak Ribet!

Itulah informasi pengertian, syarat, dan cara mengajukan top up KPR.

Semoga informasi ini bermanfaat.