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8 Bank yang Bisa Take Over Pinjaman Rumah (KPR)
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Terakhir diperbarui 18 Desember 2024 · 6 min read · by Yongky Yulius

take over kpr

Take over adalah skema pengalihan Kredit Pemilikan Rumah dari satu bank ke lainnya, secara sah berdasarkan perjanjian di bawah aturan hukum.

Adapun tujuan dari take over KPR ada bermacam-macam, di antaranya adalah:

  • ingin mendapatkan suku bunga yang lebih rendah,
  • menambah pinjaman atau top up,
  • memperpanjang tenor, atau
  • mengurangi beban angsuran.

Jika saat ini Anda sedang memiliki rumah baru secara KPR, seperti rumah di Summarecon Mutiara Makassar, dan ingin memindahkan KPR-nya, Anda wajib tahu deretan bank yang bisa take over pinjaman berikut ini!

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1. Bank OCBC NISP

Ilustrasi produk KPR skema pembayaran syariah dari OCBC NISP

OCBC NISP adalah bank yang sebelumnya bernama NISP. Bank ini termasuk sebagai bank tertua keempat di Indonesia karena telah berdiri sejak 4 April 1941.

Jadi, kiprah OCBC dalam dunia perbankan Indonesia sudah tidak perlu diragukan lagi. Bank ini punya beragam produk unggulan, termasuk take over KPR.

Keunggulan dari take over KPR OCBC NISP adalah, proses pengajuannya yang cepat dan mudah, serta bunga KPR mulai 2,88% efektif per tahun, bunga selama 1 tahun pertama tetap/bunga fix dengan wajib membuka 1 rekening Taka (Tabungan Berjangka) baru minimum 1 tahun.

Syarat dan ketentuan take over KPR OCBC NISP:

  • Nasabah merupakan WNI perorangan.
  • Usia minimal 21 tahun.
  • Usia maksimal 55 tahun untuk karyawan dan 70 tahun untuk profesional dan wiraswasta.
  • Limit Rp500 juta hingga Rp5 miliar.
  • Bank asal pinjaman yang dapat dialihkan terbatas sesuai dengan kebijakan bank pada saat pengajuan, dan telah dibayarkan selama minimal 24 bulan dengan status lancar.
  • Jenis agunan KPR yang dapat dialihkan: rumah dan apartemen, dengan status bangunan 100% (seratus persen) sudah jadi dan dapat dilakukan penandatanganan Akta Jual Beli.

Simulasi Take Over KPR

Isi detail KPR awalmu, dapatkan rekomendasi program KPR yang lebih hemat

Rp
Tahun
Bulan
%
Tahun
Sudah masuk masa floating, estimasi bunga 12%

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

Baca juga: Cara Mengurus Akta Jual Beli Rumah Over Kredit Terbaru

2. Bank Mandiri

Bank Mandiri, salah satu bank BUMN, menghadirkan program pemindahan fasilitas KPR atau multiguna sejenis dari bank lain.

Adapun benefit dari program take over Bank Mandiri adalah angsuran kredit lebih ringan, additional limit yang bisa digunakan untuk kebutuhan konsumtif lainnya, dan tenor maksimal 20 tahun.

Berikut beberapa persyaratan take over Mandiri:

  • Kredit telah berjalan minimum 12 bulan.
  • Kolektibilitas lancar 6 bulan terakhir.
  • Usia minimal 21 tahun atau sudah/pernah menikah.
  • Usia maksimal 55 tahun untuk pegawai dan 60 tahun untuk profesional/wiraswasta.
  • Tidak pernah direstrukturisasi reguler.
  • Minimal penghasilan KPR take over:
    • Rp3,5 juta per bulan di Jabodetabek.
    • Rp2,5 juta per bulan di luar Jabodetabek.

Baca juga: Biaya Take Over KPR dari Sejumlah Bank di Indonesia

3. Bank BCA

Kredit Bangun Rumah KPR BCA Refinancing

Bank yang bisa take over pinjaman KPR berikutnya adalah BCA.

Salah satu bank swasta terbesar di Indonesia ini menawarkan program take over dengan beberapa keunggulan, seperti bebas penalti, bisa diajukan secara online, dan lebih praktis.

Berikut beberapa syarat umum take over KPR ke BCA:

  • Warga Negara Indonesia (WNI).
  • Usia minimal 18 tahun atau telah menikah.
  • Telah bekerja minimal satu tahun di perusahaan sekarang, atau total pengalaman kerja minimal dua tahun.
  • Untuk wiraswasta, minimal kerja dua tahun pada bidang yang sama.
  • Usia maksimal 55 tahun ketika masa kredit berakhir untuk karyawan.
  • Usia maksimal 65 tahun ketika masa kredit berakhir untuk wiraswasta atau profesional.
  • Bersedia menandatangani perjanjian kredit dan Akta Pembebanan Hak Tanggungan (APHT).
  • Perhitungan angsuran dari penghasilan kotor (diperbolehkan joint income suami dan istri).
  • Pemohon wajib menutupi asuransi (jiwa dan kebakaran) dengan syarat banker’s clause.
  • Pembayaran melalui autodebet dari rekening BCA pemohon.

Baca juga: Mengenal Take Over KPR, Keuntungan dan Syarat Mengajukannya

4. Bank BTN

Kredit Pemilikan Tanah BTN

BTN adalah bank BUMN yang memiliki sejumlah program untuk properti, mulai dari KPR BTN Subsidi, KPR BTN Platinum, dan KPR BTN Sejahtera.

Keunggulan dari BTN take over adalah, suku bunganya yang 4,99 persen dan tenor dari 10-30 tahun.

Berikut adalah beberapa persyaratan umum untuk take over KPR ke BTN:

  • Warga Negara Indonesia (WNI).
  • Usia minimal 21 tahun atau telah menikah.
  • Memiliki status karyawan tetap, wiraswasta, atau profesional.
  • Usia tidak melebihi 65 tahun.
  • Wajib menutup asuransi jiwa dan kebakaran dengan syarat Banker’s Clause.
  • Pembayaran angsuran secara autodebet dari rekening Pemohon yang bersangkutan di Bank BTN.
  • Bersedia menandatangani perjanjian kredit dan APHT (Akta Pembebanan Hak Tanggungan).

Baca juga: Pengalaman Take Over KPR ke Bank Syariah (Biaya hingga Keuntungannya)

5. Bank CIMB Niaga

simulasi kpr cimb niaga syariah

Terakhir, bank yang bisa take over pinjaman adalah CIMB Niaga.

Untuk diketahui, CIMB Niaga adalah bank yang telah berdiri pada 26 September 1955.

Kini, CIMB Niaga hadir dengan sejumlah program KPR, seperti KPR Xtra, KPR Xtra Manfaat, hingga KPR Xtra Flexi iB.

Berikut adalah beberapa persyaratan take over ke CIMB Niaga:

  • Warga Negara Indonesia (WNI).
  • Nasabah perorangan (bukan badan usaha).
  • Usia maksimal 56 tahun untuk karyawan pada masa akhir kredit.
  • Usia maksimal 70 untuk untuk profesional atau wiraswasta pada masa akhir kredit. 

Baca juga: Inilah 5 Tips Over Kredit Rumah 50 Jutaan dan Pilihan Lokasinya

6. Bank Danamon

KPR Danamon

Berikutnya, bank yang bisa take over pinjaman rumah (KPR) adalah Bank Danamon.

Program Balance Transfer dari Bank Danamon adalah take over pinjaman individu dari bank lain atau developer, ke Danamon.

Tak hanya untuk produk konvensional, take over KPR juga berlaku untuk produk syariah.

Program Balance Transfer menerima take over dari bank lain yang mencakup fasilitas KPR, KPA, dan kredit multiguna.

Berikut beberapa persyaratan yang harus dipenuhi jika ingin mengikuti Program Balance Transfer:

  • Form aplikasi yang ditandatangani.
  • Fotokopi KTP suami dan istri yang masih berlaku, fotokopi KK, fotokopi akta nikah/akta cerai/akta kematian.
  • Fotokopi NPWP.
  • Surat pernyataan fasilitas pinjaman.
  • Fotokopi tabungan/rekening koran 3 bulan terakhir.

Baca juga: Cara Perhitungan Over Kredit Rumah agar Harga Jual Tepat

7. Maybank

Bank Maybank Syariah

Maybank memiliki program take over KPR bernama MyBank Take Over KPR.

Fitur dari program ini di antaranya adalah cicilan ringan dengan beragam pilihan bunga menarik, dana tambahan, dan jangka waktu pembiayaan hingga 20 tahun.

Adapun limit kredit dari program take over KPR Maybank adalah dari Rp250 juta-Rp10 miliar, dengan tenor maksimal 20 tahun.

Suku bunga dari program ini ada tetap dan atau mengambang (floating) efektif anuitas.

Beberapa persyaratan utama dari MyBank Take Over KPR di antaranya adalah:

  • WNI cakap hukum.
  • Usia minimal 21 tahun, dan maksimal 55 tahun (karyawan) atau 65 tahun (wiraswasta) saat jatuh tempo kredit atau pembiayaan.
  • Memiliki penghasilan rutin per bulan.
  • Minimal lama kerja, karyawan 2 tahun dan wiraswasta 3 tahun.

Baca juga: 4 Cara Menghadapi Suku Bunga KPR Naik yang Wajib Diketahui

8. Bank Syariah Indonesia

Bank Syariah Indonesia (BSI)

Bank yang bisa take over pinjaman rumah (KPR) adalah Bank Syariah Indonesia (BSI).

Program dari bank ini adalah BSI Griya Take Over, layanan ambil alih pembiayaan rumah (take over) untuk mewujudkan keseimbangan finansial dengan cicilan pasti dan ringan sesuai syariah.

Beberapa dokumen yang dibutuhkan untuk mengikuti program ini di antaranya adalah:

  • Formulir Pengajuan Pembiayaan,
  • Data Diri (KTP, NPWP, KK, Surat Nikah bagi yang telah menikah),
  • Data Pekerjaan (SK Kerja,
  • Slip Gaji, Rekening Koran), dan
  • Data Agunan (Sertifikat, IMB, PBB).

Untuk nasabah pegawai, dokter, dan notaris dapat mengajukan pembiayaan hingga 30 tahun atau sesuai masa pensiun nasabah.

Sedangkan nasabah yang mengajukan pembiayaan untuk tujuan take over ruko/rukan/apartemen dapat mengajukan pembiayaan hingga 15 tahun.

***

Itulah informasi dari Rumah123 mengenai bank yang bisa take over pinjaman.

Tonton video di bawah ini untuk mengetahui info lebih lanjut seputar take over KPR.

Mau ngobrolin apapun soal properti? Yuk ke Teras123, dari jual beli properti, KPR sampai share pengalaman kamu juga bisa lho di sini!

Bunga KPR Terbaru

Beli properti impian dengan memilih produk KPR terbaik di Rumah123

Bank BRI
Bank BRI
Suku bunga mulai dari2.75%
Tenor Max.25 Tahun
BFI Finance
BFI Finance
Suku bunga mulai dari7.92%
Tenor Max.15 Tahun
Bank DKI
Bank DKI
Suku bunga mulai dari3.97%
Tenor Max.25 Tahun
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