Mengenal Take Over KPR, Keuntungan dan Syarat Mengajukannya
r123-share-title
Terakhir diperbarui 05 Nopember 2024 · 6 min read · by Miyanti Rahman
Kredit Pemilikan Rumah (KPR) dapat dipindahkan ke bank lain atau kepada debitur lain (take over). Nah artikel ini akan membahas seluk-beluk take over KPR.
Setelah membacanya, Anda akan memahami jawaban atas pertanyaan berikut.
Bagaimana cara pindah KPR ke bank lain?
Bagaimana cara mau take over kredit rumah?
Berapa lama proses over kredit KPR?
Membeli rumah dengan pembiayaan KPR adalah salah satu keputusan besar dalam hidup. Namun, ada kalanya seseorang ingin menjual rumah yang masih dalam proses kredit ini.
Hal tersebut dapat terjadi ketika seseorang tak sanggup meneruskan cicilan rumah ke bank. Sehingga, dia mengambil jalan take over KPR sebagai solusi masalah keuangannya.
Rumah take over pun punya cukup banyak peminat, sebab pembeli rumah (debitur baru) punya kesempatan untuk membeli tempat tinggal sekaligus aset investasi dengan harga miring.
Sekarang mari kita mulai pembahasan mendalam tentang take over KPR dimulai dari pengertiannya. Mari kita simak ulasannya selengkapnya.
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Take Over Adalah
Berdasarkan penjelasan di atas, kita dapat menyimpulkan takeover artinya proses pengalihan KPR dari debitur lama ke debitur baru. Selain itu, dapat pula berupa proses pindah bank.
Dalam take over rumah artinya debitur baru membeli rumah yang sedang di KPR-kan oleh pemilik sebelumnya. Pembeli rumah tentu wajib membuat perjanjian dengan bank.
Nah untuk memahami lebih dalam arti take over rumah, mari kita kenali jenis-jenisnya.
Jenis-Jenis Take Over KPR
Take Over Jual Beli
Pengertian di atas merujuk pada jenis take over jual beli yang dapat menjadi alternatif menarik bagi pembeli rumah untuk mendapatkan properti dengan harga terjangkau.
Take over jual beli dapat memberikan keuntungan bagi penjual maupun pembeli rumah. Contohnya bermanfaat bagi penjual yang membutuhkan dana besar dalam waktu singkat.
Sementara itu keuntungan bagi pembeli yaitu sebagai berikut.
Umumnya menawarkan harga properti yang lebih murah dibandingkan harga pasar.
Proses take over kredit rumahbiasanya lebih mudah dibandingkan pengajuan KPR baru.
Pembeli dapat memanfaatkan sisa tenor KPR yang ada, sehingga angsuran per bulan bisa lebih ringan.
Take Over Antarbank
Selain take over jual beli, ada pula take over antar bank. Bagi yang belum familiar, take over perumahan antarbank merupakan metode pemindahan KPR dari bank satu ke bank lain.
Maka itu, prosedur dan biaya yang dikeluarkan pun kurang lebih akan sama seperti melakukan pengajuan KPR baru. Lantas, apakah take over KPR menguntungkan?
Simulasi Take Over KPR
Isi detail KPR awalmu, dapatkan rekomendasi program KPR yang lebih hemat
Hasil Simulasi Take Over KPR
Ringkasan KPR saat ini
Angsuran Saat IniRp 0
Angsuran FloatingRp 0
Sisa Pinjaman KPRRp 0
Total Biaya KPRRp 0
Rp
Tahun
Bulan
%
Tahun
Rp
Sudah masuk masa floating, estimasi bunga 12%
Rekomendasi Program Take Over KPR
Pilihan Bank:
Tahun ke-1 - ke-5
Bunga 2,88%
Angsuran/Bulan Fix
Rp 5.139.376
Hemat sebesar
Rp 998.393/bulan
Total Biaya KPR
Hingga akhir tenor
Rp 998.393
Lebih tinggiRp 998.393
Angsuran Floating
Setelah 5 tahun pindah kpr (Estimasi Bunga 12%)
Rp 5
Pinjaman Take Over KPR
Jumlah pinjaman yang dialihkan ke bank baru
Rp 5
Estimasi Biaya Lain Take Over
Berkisar 3-6% dari pinjaman Take Over
Rp 5 s/d Rp 5
Oops, sepertinya belum ada rekomendasi program take over yang lebih hemat
Coba perbarui data simulasi
Disclaimer : Hasil di atas merupakan angka estimasi, data perhitungan dapat berbeda dengan perhitungan bank. Hubungi kami untuk info lebih lanjut.
Plafon Awal KPR
Total pinjaman yang disepakati saat akad KPR. Kamu bisa cek di aplikasi bank atau hubungi langsung bank KPR kamu saat ini.
Biaya Lain KPR Take Over
Terdapat beberapa biaya yang dikenakan saat mengajukan KPR Take Over bank lama ke baru. Beberapa biaya yang dikenakan bisa berbeda-beda dan tergantung dari kebijakan bank masing-masing. Biaya tersebut antara lain:
Biaya Penalti
Biaya penalti merupakan sanksi denda yang dikenakan jika melunasi KPR lebih cepat dari tenor yang seharusnya. Biaya penalti bisa diketahui dari perjanjian awal pada saat akad dilakukan.
Biaya Appraisal
Biaya apprasial yang dikenakan saat mengajukan KPR Take Over untuk menaksirkan harga properti.
Biaya Administrasi/Proses
Biaya administrasi/proses yang dikenakan bank saat memindahkan KPR bank lama ke baru
Biaya Provisi
Biaya yang harus dibayarkan di awal dan dipotong otomatis di awal saat mengajukan KPR Take Over
Biaya Notaris
Biaya untuk notaris memproses pengalihan pinjaman KPR dari bank lama ke bank baru
Biaya Cek dan Validasi Sertifikat
Biaya pengecekan dan validasi sertifikat properti
Memuat hasil simulasi...
Tentu saja, karena take over KPR antarbank biasanya dilakukan lantaran ada penawaran lebih menarik dari bank lain. Offering tersebut biasanya berupa:
suku bunga yang lebih rendah;
fixed rate yang lebih lama;
potongan harga;
dan lain sebagainya.
Take over ini dapat dilakukan dengan cara memindahkan program KPR lama ke program KPR baru di bank yang sama, atau program KPR di bank lain (pindah KPR).
Take Over Bawah Tangan
Dua jenis take over di atas mengharuskan debitur baru untuk melalui proses Bank Indonesia (BI) checking. Jika ingin take over KPR tanpa BI checking, maka bisa coba jenis ini.
Namun kami tak merekomendasikannya, karena sangat berisiko baik bagi penjual maupun pembeli rumah walaupun prosesnya sangat mudah dan cepat.
Take over bawah tangan artinya proses yang dilakukan hanya melibatkan pihak penjual dan pembeli, tanpa pihak bank yang bersangkutan.
Memindahkan KPR dari debitur lama kepada debitur baru tanpa sepengetahuan bank sangat rentan terjadi sengketa. Tentu Anda tak ingin masalah hukum terjadi, bukan?
Contoh risiko terburuk yaitu debitur baru akan kesulitan mengambil sertifikat rumah setelah cicilan lunas. Mengingat bank hanya akan memberikan sertifikat pada debitur lama.
Itulah jenis-jenis KPR take over yang perlu diketahui. Ada pun tata cara take over KPR dapat dimulai dengan menyiapkan persyaratan berkas berikut ini.
Syarat Pengajuan Take Over KPR
Kartu identitas debitur lama dan debitur baru, yaitu Kartu Tanda Penduduk (KTP) dan Kartu Keluarga (KK).
Setelah memenuhi syarat take over KPR, kapan rumah KPR bisa di-take over? Nah ini dapat dilakukan setelah masa cicilan KPR debitur lama sudah lebih dari satu tahun.
Biasanya dalam kurun waktu tersebut sertifikat rumah sudah terbit dan dipegang oleh bank. Ada pun biaya take over mencapai 2% sampai 3% dari pokok cicilan KPR Anda.
Cara melakukan take over tidak boleh sembarangan, karena debitur lama dan debitur baru perlu membuat perjanjian tertulis melalui notaris.
Selain itu, proses take over perlu dilaporkan ke bank, agar nantinya sertifikat rumah menjadi atas nama debitur baru. Ya begitulah cara beli rumah take over KPR yang aman.
Bagaimana Cara Mau Take Over Kredit Rumah?
Sama seperti KPR biasa, proses untuk melakukan take over KPR juga harus melibatkan surat perjanjian.
Hal tersebut dilakukan demi menjaga agar kedua belah pihak tidak ada yang merasa dirugikan, baik saat ini maupun di masa mendatang.
Selain itu, ada sejumlah langkah yang bisa Anda ikuti saat ingin melakukan take over KPR, di antaranya:
Cari Bank yang Melayani Take Over KPR
Pertama-tama, Anda perlu mencari bank yang menyediakan layanan pembelian rumah dengan cara take over KPR.
Sebagai pembeli, sebaiknya Anda datang bersama pemilik atau penjual rumah secara bersama-sama ke bank yang akan dipilih.
Pemeriksaan Dokumen
Selanjutnya adalah mengumpulkan dokumen yang disyaratkan oleh bank.
Namun perlu diperhatikan, sebelumnya Anda harus terlebih dahulu mengecek dokumen KPR yang asli dari pihak pemilik rumah.
Perhatikan pula keabsahan kepemilikan rumah, jangan sampai ditemukan permasalahan berupa sengketa yang bisa merugikan di masa depan.
Bunga KPR Terbaru
Beli properti impian dengan memilih produk KPR terbaik di Rumah123
Bank Mandiri
Bunga mulai
3.95%
Tenor maks.
30 tahun
Angsuran mulai dari
Rp. 1.138.889
Bank OCBC
Bunga mulai
4.75%
Tenor maks.
25 tahun
Angsuran mulai dari
Rp. 1.368.282
Bank BTN
Bunga mulai
5.46%
Tenor maks.
30 tahun
Angsuran mulai dari
Rp. 1.356.677
*Perhitungan angsuran berdasarkan tenor maksimal, harga rumah Rp 300 juta, dan uang muka 20%.Lihat Semua Bank
Menghitung Nilai Transaksi
Selanjutnya bank akan melakukan re-appraisal atau perhitungan ulang terhadap nilai rumah.
Perhitungan yang dilakukan pun mencakup besaran nilai jual rumah, besaran saldo utang pokok, dan sisa cicilan kredit yang harus Anda bayar selanjutnya.
Membuat Surat Pengikatan
Biar makin aman, sebaiknya Anda dan pemilik rumah membuat Akta Pengikatan Jual Beli atas pengalihan hak tanah dan bangunan rumah tersebut.
Selain itu, buat pula surat kuasa untuk melunasi sisa kredit serta pengambilan sertifikat hak milik ketika angsuran sudah lunas.
Bagi penjual, sebaiknya membuat surat pemberitahuan kepada bank perihal peralihan hak atas tanah dan bangunan tersebut.
Keuntungan Melakukan Take Over KPR
Mungkin Anda bertanya-tanya, apakah take over KPR menguntungkan? Jawabannya adalah iya, menguntungkan.
Sebagai preferensi, berikut beberapa keuntungan yang bisa didapat saat melakukan take over rumah:
Bunga KPR Take Over Lebih Rendah
Seperti yang sudah disebutkan, proses take over rumah menjadikan Anda sebagai debitur baru, meski jangka waktu cicilan telah berjalan sekian tahun.
Sebagai nasabah baru, suku bunga KPR yang diterapkan adalah fixed rate, sehingga suku bunganya pun lebih kecil dari suku bunga normal.
Harga Cicilan Murah
Salah satu keuntungan dari take over rumah adalah Anda bisa mendapatkan nilai cicilan lebih murah.
Pasalnya, plafon pinjaman yang diajukan ke bank nominalnya lebih sedikit, sebab debitur lama sudah membayar uang muka dan beberapa bulan cicilan.
Demikian pembahasan lengkap seputar pindah KPR yang perlu Anda ketahui.
Semoga informasi di atas bermanfaat, ya.
Selamat mencoba!
Ngobrol tentang take over KPR di forum properti Teras123!
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