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Cara Membeli Apartemen dengan Cicilan secara Mudah dan Cepat
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Terakhir diperbarui 19 Nopember 2024 · 3 min read · by Shandy Pradana

Cara Membeli Apartemen dengan Cicilan Secara Mudah

Apartemen cukup diminati di kota-kota besar, mengingat keterbatasan lahan untuk rumah di perkotaan.

Selain menyewa unitnya, banyak juga yang tertarik untuk langsung membeli apartemen.

Untuk membelinya, ada dua metode yang biasa digunakan, yakni cash keras dan kredit per bulan dalam jangka waktu tertentu.

Jika tertarik dengan metode kedua, kamu harus mengetahui beberapa cara membeli apartemen dengan cicilan yang benar terlebih dahulu.

Agar lebih jelas, mari simak ulasannya di bawah ini!

Cara Beli Apartemen Murah dengan Cicilan

Cara Mudah Beli Apartemen dengan Cicilan Per Bulan

Banyak orang yang ingin membeli apartemen, tetapi ragu karena takut harganya di luar anggaran pengeluaran yang telah dibuat.

Padahal, sekarang sudah ada banyak apartemen murah dengan harga di bawah Rp500 jutaan, contohnya apartemen Heartful Tower Bekasi seharga Rp200 jutaan, Green Pramuka City Rp400 jutaan, atau Akasa Pure Living Rp429 jutaan.

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Selain itu, kamu pun bisa membelinya dengan cara mencicil setiap bulannya.

Mirip seperti membeli rumah dengan sistem KPR, kamu juga bisa membeli apartemen dengan KPA.

Biasanya, produk KPA dari bank dapat memberi bantuan pembiayaan antara 70-80% dari total harga apartemen yang ingin dibeli.

Jika tertarik mengaplikasikan cara membeli apartemen dengan cicilan per bulan, kamu dapat menyimak beberapa langkah di bawah ini:

  • Sebelum membeli apartemen, pastikan kalau kamu memiliki pendapatan yang stabil untuk mencicil setiap bulannya.
  • Cari informasi tentang apartemen yang ingin dibeli, termasuk harga, lokasi, tipe unit, hingga fasilitasnya.
  • Kemudian, kamu dapat mencari bank penyedia KPA terbaik di Indonesia. Perhatikan besaran bunga serta tenornya.
  • Persiapkan dokumen yang diperlukan, seperti KTP, slip gaji, rekening tabungan, dan lain-lain. Serahkan lalu tunggu proses pembiayaannya.
  • Setelah pembiayaan disetujui, kamu pun dapat membayar cicilan per bulan sesuai dengan jadwal yang telah ditentukan.

Dengan membeli apartemen secara cicilan, kamu dapat memiliki hunian impian dalam waktu singkat.

Namun, pastikan sekali lagi kalau kamu telah mempertimbangkan kemampuan finansial dan juga besaran cicilan sebelum memutuskan untuk membelinya.

Ada baiknya untuk menyimak simulasi KPA dari Rumah123 terlebih dulu, atau bisa juga lihat video tentang prosedur beli apartemen di bawah ini.

Cara Beli Apartemen Second dengan Cicilan Per Bulan

Sekarang kamu sudah memahami cara membeli apartemen dengan cicilan per bulan.

Tak hanya untuk apartemen baru, cara di atas juga bisa dipakai untuk mencicil apartemen second, lo.

Caranya kurang lebih sama, walau ada beberapa biaya tambahan yang harus diperhatikan.

Selain uang muka yang biasanya berkisar 20-30% dari total harga apartemen, kamu juga wajib mempersiapkan biaya, seperti:

  • Biaya administrasi: Rp250–500 ribu
  • Biaya appraisal rumah: Rp300–750 ribu
  • Biaya provisi KPR: 0,5–1% dari total pinjaman
  • Biaya asuransi selama kredit berjalan: 1–2% dari harga apartemen
  • Pajak penjual: 5% dari harga apartemen yang disepakati
  • Pajak BPHTB: 5% dari harga apartemen dikurangi harga NJOPTKP

Aset-Bank Banner

Kamu juga harus memperhatikan beberapa hal sebelum mengajukan KPA apartemen second, yaitu:

  • Jumlah uang muka yang harus dipersiapkan. Jika kamu membayar DP dengan besaran yang tinggi, tentunya cicilan KPA per bulan akan semakin rendah
  • Perhatikan besaran bunga, yang tentunya berbeda antara satu bank dengan bank lainnya
  • Jumlah tenor yang ditawarkan bank juga harus diperhatikan
  • Perhatikan juga surat perjanjian dengan bank, termasuk penjelasan tentang penalti yang harus dibayar jika membayar lunas cicilan sebelum waktu tenor habis
  • Jangan lupa untuk memperhatikan kelengkapan surat-surat dari apartemen second yang dibeli.

Sekian penjelasan tentang cara membeli apartemen dengan cicilan secara mudah.

Ingin mencari jenis apartemen sesuai seleramu?

Jika iya, ada banyak pilihan apartemen fully furnished, apartemen dekat CBD, dan lainnya di Rumah123.

Semoga menemukan apartemen idamanmu!

Tahapan Selanjutnya

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Simulasi KPR

Hitung pembiayaan kredit rumah dengan bunga KPR terbaik di Rumah123

Rp
%
Rp
Angsuran/bulan mulai dari
Tahun ke-1
Bunga 2.75%
Rp. 1.107.146
Tahun ke-2 dan seterusnya
Estimasi Bunga 12%
Rp. 2.473.122

Simulasi KPR Syariah

Hitung pembiayaan KPR syariah dengan rekomendasi bank terbaik di Rumah123

Rp
%
Rp
Angsuran/bulan mulai dari
Tahun ke 1 dan seterusnya
Margin 9%
Rp. 2.434.240

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