7 Tips KPR untuk Wiraswasta dan Karyawan Kontrak agar Diterima
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Terakhir diperbarui 14 Oktober 2024 · 4 min read · by Yuhan Al Khairi
Sudah jadi rahasia umum, mengajukan KPR untuk wiraswasta dan karyawan kontrak lebih sulit dibandingkan pegawai biasa yang bekerja di dalam sebuah perusahaan.
Hal ini disebabkan oleh ketidakpastian penghasilan dan pendapatan per bulan dari kedua profesi tersebut.
Meskipun begitu, bukan berarti wiraswasta dan karyawan kontrak tidak bisa mengajukan KPR.
Saat ini, beberapa bank bahkan mengeluarkan produk khusus KPR untuk wiraswasta dan karyawan kontrak, dengan syarat dan ketentuan yang berbeda.
Oleh karena itu, agar pengajuan kredit pemilikan rumah disetujui, berikut beberapa tips mengajukan KPR bagi wiraswasta dan karyawan kontrak yang bisa diikuti.
Inilah 7 Tips KPR untuk Wiraswasta dan Karyawan Kontrak
Penuhi Persyaratan Kredit Rumah yang Diminta
Sama halnya seperti pegawai biasa, mengajukan KPR untuk wiraswasta dan karyawan kontrak juga membutuhkan dokumentasi dan syarat-syarat, yang harus dipenuhi oleh calon debitur.
Seperti yang telah disebutkan, khusus karyawan kontrak dan wiraswasta syarat dan dokumen yang dibutuhkan saat pengajuan KPR relatif berbeda.
Umumnya, dokumen yang diperlukan guna memenuhi syarat pengajuan KPR untuk wiraswasta di antaranya sebagai berikut.
1. Siapkan mutasi rekening bank yang berguna sebagai bukti penghasilan per bulan (minimal 3 bulan terakhir).
2. Buatlah laporan keuangan minimal selama 1 sampai 2 tahun terakhir.
3. Menyertakan Nomor Pokok Wajib Pajak (NPWP).
4. Menyertakan izin usaha (SIUP dan TDP).
5. Menyertakan akta pendirian perusahaan.
6. Dokumen identitas pribadi, seperti Kartu Tanda Penduduk (KTP), Kartu Keluarga (KK), dan lain-lain.
Sebagai catatan, bukti penghasilan sendiri sebenarnya bisa dibuat secara pribadi, tetapi penyertaan buku tabungan dirasa lebih valid dan dipercaya oleh pihak bank.
Lalu untuk laporan keuangan agar lebih meyakinkan, kamu juga bisa menyertakan catatan rekening tabungan tersebut.
Hitung Penghasilan per Bulannya
Usai mengumpulkan syarat KPR rumah untuk wiraswasta secara umum, hal penting yang harus kamu lakukan di awal adalah menghitung penghasilan per bulan.
Hal tersebut dimaksudkan agar cicilan tersebut tidak menjadi beban keuangan di masa depan.
Selain itu, jika perhitunganmu sudah matang, tentu pihak bank lebih percaya dan yakin memberi kredit tersebut.
Simulasi Gaji KPR
Cari tahu kemampuan cicilan KPR berdasarkan penghasilan.
Pastikan Kamu Tidak Memiliki Utang
Alangkah lebih baiknya, sebelum mengajukan KPR untuk wiraswasta pastikan kamu tidak memiliki utang di luar kredit tersebut.
Hal ini dikarenakan pihak bank akan menghitung rasio utang yang harus kamu lunasi.
Jika rasio utang melebihi 30 hingga 40% dari total penghasilan, maka besar kemungkinan pengajuan KPR akan ditolak karena sangat berisiko bagi pihak bank.
Pastikan Kamu Tidak Memiliki Riwayat Kredit Macet
Riwayat kredit macet sangat fatal bagi orang yang ingin mengajukan KPR untuk wiraswasta dan karyawan kontrak.
Sebab, dengan begitu pihak bank penyedia KPR akan menilai jika kondisi finansialmu tidak sehat.
Nantinya, pihak bank akan melakukan Bank Indonesia (BI) Checking saat proses pengajuan kredit rumah.
Jika dilihat ada riwayat kredit macet, maka hal tersebut sangat mempengaruhi keputusan dari bank.
Ajukan Uang Muka yang Besar
Jangan salah, besaran uang muka juga memengaruhi hasil dari pengajuan KPR untuk wiraswasta, lho.
Sebab pekerja di luar perusahaan, kemampuan uang muka yang besar bisa jadi jaminan bagi bank.
Namun, jangan memaksakan diri untuk mencari uang talangan, bila dirasa memberatkan ajukan saja uang muka sesuai harga rumah.
Umumnya, persentase uang muka sendiri sebesar 5 hingga 10% dari total harga unit yang ingin kamu beli.
Simulasi KPR Bank Mandiri
Hitung pembiayaan KPR Bank Mandiri dengan bunga terbaik di Rumah123
Rp
%
Rp
Bunga Fix
3.95%
Tenor maks.
30 tahun
Bunga Fix
4.95%
Tenor maks.
30 tahun
Bunga Fix
5.9%
Tenor maks.
30 tahun
Bunga Fix
5.95%
Tenor maks.
30 tahun
Bunga Fix
7.9%
Tenor maks.
30 tahun
Bunga Fix
8.9%
Tenor maks.
30 tahun
Bunga Fix
9.1%
Tenor maks.
30 tahun
Angsuran/bulan mulai dari
Memuat hasil simulasi...
Tahun ke-3
Bunga 3.95%
Rp. 1.138.889
Tahun ke-4 dan Seterusnya
Estimasi Bunga 12%
Rp. 2.360.847
Upgrade Tampilan Tempat Usaha
Khusus KPR untuk wiraswasta, tampilan tempat usaha turut menentukan keputusan pihak bank.
Jika dilihat usahamu berkembang, maka tentu pihak bank akan lebih percaya akan kemampuan finansial mu.
Perlu diketahui, bila pengajuan dan syarat diterima pihak bank akan melakukan survei ke lokasi usaha.
Itulah sebabnya, enggak ada salahnya melakukan upgrade kecil-kecilan tampilan tempat usaha.
Pilih Waktu Pengajuan yang Tepat
Banyak yang tidak mengetahui, pengajuan KPR untuk wiraswasta dan karyawan kontrak juga memiliki momennya tersendiri.
Menurut beberapa pengamat, waktu yang pas mengajukan KPR adalah pada minggu ketiga dan keempat setiap bulannya.
Sebab, pada periode ini bank sedang kejar target untuk penyaluran kredit sehingga besar kemungkinan pengajuan diterima.
Selain itu, hindari mengajukan KPR di akhir tahun, pasalnya pada periode ini perbankan sedang sibuk mengurus proses tutup buku.
Lalu, pada akhir tahun waktu penyaluran kredit pun biasanya sudah selesai, jadi lebih besar peluang ditolak dibanding diterima.
—
Nah, itu tadi beberapa tips mengajukan KPR untuk wiraswasta dan karyawan kontrak yang bisa diikuti.
Pilihan hunian menariknya bisa dicek di Rumah123, salah satu contohnya adalah Cluster Ayama Bhumi Amala.
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