Proses pembelian rumah tentu harus melalui beberapa tahap, salah satunya ialah akad rumah.
Seperti diketahui, proses pembelian rumah khususnya dengan Kredit Pemilikan Rumah (KPR) harus melalui beberapa tahapan. Nah, salah satunya adalah akad kredit rumah.
Apabila bicara tentang akad rumah, ternyata ada sejumlah pertanyaan yang sering dilemparkan oleh netizen. Mereka sering mempertanyakan empat hal, yaitu sebagai berikut.
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Apa yang dimaksud dengan akad rumah?
Apa saja yang ditanyakan saat akad rumah?
Biaya akad rumah apa saja?
Apa yang kita dapat setelah akad kredit rumah?
Jadi, Rumah123 akan merangkum jawaban pertanyaan tentang akad kredit KPR tersebut dalam artikel ini. Mari kita langsung simak penjelasan selengkapnya dimulai dari arti akad rumah.
Apa Itu Akad KPR?
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Pengertian apa itu akad dalam jual beli rumah adalah perjanjian atau kontrak yang dilakukan oleh bank (pemberi kredit) dan debitur KPR (penerima kredit) bila permohonan kredit disetujui.
Pada proses akad KPR ini, bank akan memberikan penjelasan tentang dokumen-dokumen yang harus ditandatangani oleh debitur. Jadi dapat dibilang akad tanah/rumah ini adalah proses final.
Bank akan menjelasakan isi dokumen agar debitur memahami isinya. Apabila ada sesuatu yang tak dimengerti, jangan sungkan untuk menanyakan secara langsung.
Akad dilaksanakan setelah bank mengevaluasi data diri dan keuangan Anda. Kemudian, menyetujui permohonan KPR, sampai akhirnya terjadilah akad kredit tersebut.
Nah, sekarang Anda sudah tahu akad perumahan adalah apa. Selanjutnya mari kita membahas pihak yang wajib hadir serta apa yang harus ditanyakan saat akad kredit rumah.
Pihak yang Wajib Hadir
Foto: acquisitex.com
Pembeli Rumah/Debitur
Sudah pasti, pembeli rumah menjadi salah satu pihak yang wajib hadir ketika akad rumah dilaksanakan.
Jika sudah menikah, maka baik istri maupun suami juga wajib untuk mengikuti proses akad. Nah, bagi yang lajang bisa ditemani oleh wali, biasanya ibu kandung.
Perwakilan Bank
Tidak cuma pembeli, sudah pasti perwakilan dari bank juga hadir ketika akad berlangsung.
Seperti yang telah disebutkan, pihak bank bertugas untuk menjelaskan tentang dokumen dan menjawab pertanyaan yang mungkin diajukan debitur.
Pihak Pengembang
Penjual rumah atau pengembang turut hadir juga dalam proses akad sebagai saksi, serta bisa juga menjadi pihak yang turut menjawab pertanyaan pembeli rumah.
Notaris
Tugas notaris adalah untuk memberi tahu tentang biaya yang harus dibayar, termasuk biaya notaris selaku pembuat akta jual beli, pajak-pajak, serta biaya BPHTB.
Apa Saja yang Ditanyakan Saat Akad Rumah?
Foto: veteransunited.com
Besar Cicilan
Ketika membeli rumah, misalnya di Podomoro Park Bandung, Parkland Podomoro atau di mana pun, pertanyaan penting yang dapat Anda ajukan adalah besar cicilan per bulan.
Bank harus menjelaskan besar cicilan pertama, kedua dan seterusnya. Apabila tak ada penjelasan dari bank, Anda berhak untuk mempertanyakannya.
Nah dalam total cicilan per bulan itu, Anda juga harus menanyakan secara detail besar bunganya, serta sistem rate yang diberlakukan oleh bank untuk menghindari salah paham.
Setelah memahami cicilan (pokok ditambah bunga), hal berikutnya yang perlu Anda pahami adalah tenor atau masa cicilannya. Seperti diketahui, ada macam-macam tenor.
Biasanya bank menyediakan tenor pendek mulai lima tahun, serta tenor panjang hingga 30 tahun. Meskipun tenor yang Anda ambil sudah jelas, tak ada salahnya mengonfirmasi kembali.
Jangan sampai terjadi ketidakcocokan soal tenor antara Anda dan bank. Pasalnya, panjang atau pendeknya tenor akan mempengaruhi kondisi keuangan Anda.
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Denda dan Sanksi
Hal selanjutnya yang perlu diperhatikan saat akad kredit KPR adalah masalah denda dan sanksi. Pasalnya, kita tak dapat memprediksi kondisi di masa depan.
Mempertanyakan hal ini penting guna mempersiapkan diri bila terjadi sesuatu pada kondisi keuangan kita. Mengingat kita dapat kapan saja mengalami kesulitan finansial.
Tanyakan pada bank, apa yang akan terjadi apabila kondisi “menyalahi aturan/kontrak kredit” dialami oleh Anda, sehingga tak dapat membayar cicilan tepat waktu.
Itulah pertanyaan yang harus Anda ajukan dalam akad rumah subsidi maupun komersial. Lantas, apa yang kita dapat setelah akad kredit rumah?
Dokumen yang Menjadi Hak Konsumen Setelah Akad Kredit Rumah
Foto: homelight.com
Perjanjian Kredit
Perjanjian kredit berisi peraturan dari perjanjian yang sudah disepakati oleh pihak debitur dan bank. Fungsi dokumen ini sebagai acuan jika terjadi kesalahpahaman dalam masa kredit.
Sertifikat Tanda Bukti dan Izin Mendirikan Bangunan (IMB)
IMB menunjukkan bahwa rumah Anda berdiri di tanah yang tak bermasalah. Sedangkan sertifikat memuat nama Anda sebagai pemilik rumah yang dijaminkan kepada bank.
Anda harus menyimpan dokumen ini baik-baik. Alasannya, sertifikat inilah yang dapat menunjukkan bukti kepemilikan yang sah di mata hukum.
Pengakuan Hutang dan Kuasa Menjual
Seandainya terjadi sesuatu, sehingga Anda tak dapat melunasi cicilan KPR, maka dokumen pengakuan hutang dan kuasa menjual inilah yang digunakan oleh bank untuk melelang aset.
Dengan dokumen ini, bank dapat menarik aset yang dimiliki oleh developer.
Surat Kuasa Memberikan Hak Tanggungan
Surat kuasa memberikan hak tanggungan adalah dokumen resmi yang menunjukkan bahwa Anda punya hak tanggungan atas rumah tersebut.
Polis Asuransi Kebakaran
Dokumen selanjutnya yang wajib ada dalam proses akad rumah ialah polis asuransi kebakaran. Sebenarnya, polis ini dibuat sejak Anda mendaftarkan KPR.
Polis asuransi berguna untuk menjamin keselamatan dan memberikan ganti berupa asuransi. Dokumen ini diberikan begitu semua urusan KPR selesai.
Polis Asuransi Jiwa Kredit
Polis asuransi sebelumnya menanggung kerugian akibat kebakaran rumah. Sementara itu, polis asuransi jiwa KPR memberikan jaminan kepada peminjam dana KPR.
Dengan adanya polis asuransi jiwa, maka hutang KPR tak akan dibebankan kepada ahli waris bila terjadi sesuatu yang tak diinginkan, misalnya debitur meninggal dunia.
Akta Jual Beli
Akta Jual Beli atau disingkat AJB baru didapatkan setelah semua urusan KPR selesai. Intinya ketika proses akad rumah, Anda harus membaca segala dokumen dengan cermat.
Jangan ragu untuk bertanya bila ada sesuatu hal yang mengganjal di hati. Selain itu, Anda berhak membatalkan akad (sebelum tanda tangan) bila persyaratan terasa memberatkan.
Itulah pertanyaan yang wajib Anda ajukan, serta macam-macam dokumen yang diterima setelah akad selesai. Semoga informasi yang kami sampaikan bermanfaat ya!
Hitung pembiayaan kredit rumah dengan bunga KPR terbaik di Rumah123
Rp
%
Rp
Bunga mulai
7.92%
Tenor maks.
15 tahun
Bunga mulai
2.75%
Tenor maks.
25 tahun
Bunga mulai
3.95%
Tenor maks.
30 tahun
Bunga mulai
3.97%
Tenor maks.
25 tahun
Bunga mulai
1.45%
Tenor maks.
20 tahun
Angsuran/bulan mulai dari
Memuat hasil simulasi...
Tahun ke-10
Bunga 7.92%
Rp. 2.282.495
Tahun ke-11 dan seterusnya
Estimasi Bunga 12%
Rp. 2.508.771
FAQ
Saya membutuhkan teman diskusi untuk memecahkan persoalan KPR.
Silakan tanya Rumah123.
Kapan akad kredit dilaksanakan?
Akad kredit dilaksanakan setelah proses pengajuan KPR diterima, lalu apabila si pembeli rumah (debitur) sudah membayar biaya-biaya proses KPR seperti notaris.
Besar uang akad rumah adalah?
Tergantung kebijakan masing-masing bank penyedia KPR. Namun biasanya biaya akad rumah adalah 7% sampai 10% dari plafon.
Kapan waktu serah terima kunci KPR?
Serah terima kunci dilakukan pada saat rumah siap huni. Apabila sudah ready saat akad, maka akan langsung diberikan kepada pembeli.
Ada pertanyaan tentang akad KPR? Tanyakan di ruang ngobrolin properti Teras123!