Terakhir diperbarui 19 Desember 2024 · 6 min read · by Yongky Yulius
Foto: Unsplash
Memilih program KPR syariah termurah adalah pilihan masuk akal jika Anda ingin membeli rumah bebas riba dengan angsuran yang tak memberatkan.
Berbeda dari KPR konvensional, KPR syariah memang diperuntukkan bagi Anda yang ingin membeli hunian sesuai dengan syariat Islam.
Banyak yang beranggapan, membeli rumah melalui program KPR syariah lebih menguntungkan dibandingkan KPR konvensional. Ada beberapa alasan yang mendasari hal tersebut, yakni:
adanya kepastian angsuran, karena jumlah margin hingga akhir cicilan sudah diketahui sejak awal;
jika telat membayar, tidak ada denda atau nilai kelebihan dari nilai pokok; serta
tidak menerapkan sistem bunga berganda.
Jika tertarik memiliki rumah menggunakan KPR syariah, Anda bisa melihat rekomendasi program KPR syariah termurah dari sejumlah bank berikut ini.
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BNI Syariah
BNI Syariah menawarkan BNI Griya iB Hasanah dengan margin murabahah flat 1 tahun 11,47% dan flat 20 tahun sebesar 12,79%.
Produk ini memfasilitasi pembelian konsumtif untuk membeli, membangun, maupun merenovasi rumah, ruko, apartemen baru maupun bekas hingga pembelian Kavling Siap Bangun (KSB) dengan akad murabahah (jual beli).
Produk BNI Griya iB Hasanah memiliki banyak keunggulan. Salah satunya adalah memiliki persyaratan yang mudah serta proses pengajuan yang cepat.
Simulasi KPR Syariah
Hitung pembiayaan KPR syariah dengan rekomendasi bank terbaik di Rumah123
Rp
%
Rp
Margin mulai
9%
Tenor maks.
15 tahun
Angsuran/bulan mulai dari
Memuat hasil simulasi...
Tahun ke 1 dan seterusnya
Margin 9%
Rp. 2.434.240
Uang muka untuk pengajuan fasilitas ini sesuai dengan ketentuan Financing to Value (FTV) Bank Indonesia.
Jika tertarik, produk BNI Griya iB Hasanah ini memiliki maksimum pembiayaan hingga Rp25 miliar dan jangka waktu pembiayaan sampai dengan 15 tahun.
Terkecuali untuk pembelian kavling, maksimal 10 tahun atau disesuaikan dengan kemampuan pembayaran.
Dana Syariah
Foto: danasyariah.id
Dana Syariah merupakan fintech peer to peer financing berbasis syariah di Indonesia yang telah berizin dan diawasi oleh Otoritas Jasa Keuangan (OJK).
Saat ini, Dana Syariah membuka alternatif pembiayaan kepemilikan rumah dengan skema syariah bernama Dana Rumah.
Simulasi KPR Dana Syariah
Hitung pembiayaan KPR Dana Syariah dengan bunga terbaik di Rumah123
Rp
%
Rp
Bunga Fix
9%
Tenor maks.
15 tahun
Angsuran/bulan mulai dari
Memuat hasil simulasi...
Tahun ke-15 dan seterusnya
Bunga 9%
Rp. 2.434.240
Beberapa keuntungan Dana Rumah di antaranya adalah DP bisa 0 persen, angsuran lebih ringan, terbuka untuk wiraswasta dan karyawan, serta bisa daftar secara online.
Margin salah satu KPR syariah termurah 2023 ini adalah mulai dari 5,4 persen, dengan masa kredit hingga 15 tahun.
BRI Syariah
Produk KPR dari BRI Syariah atau dikenal juga sebagai Griya Faedah, memiliki margin untuk KPR komersial 12,75 persen hingga 13,75 persen, lalu margin subsidi sebesar 5 persen.
Jenis pembiayaan ini dapat digunakan untuk memenuhi kebutuhan perumahan, mulai dari pembelian unit rumah baru atau second.
Bahkan program ini bisa dipakai untuk pembelian apartemen maupun kavling, pembangunan atau renovasi rumah hingga take over dan refinancing.
BRI Syariah juga memiliki produk yang dapat memudahkan dalam membeli rumah yaitu pembiayaan Faedah Sejahtera.
Simulasi Kemampuan KPR
Cari tahu kemampuan cicilan KPR berdasarkan penghasilan.
Rp/bulan
Rp
-
Rp
Angka minimal harus lebih rendah dari angka maksimal
Tahun
Hasil Simulasi
Memuat hasil simulasi...
Harga Properti MaksimalRp.
3.673.377.053
Angsuran maksimal yang disarankanRp.
30.000.000
Uang muka yang harus disiapkanRp.
734.675.411
*Hasil berdasarkan suku bunga terendah di Rumah123, dan asumsi kamu tidak
memiliki cicilan bulanan lain yang berjalan saat ini.
Ini merupakan program pemerintah yang disalurkan kepada masyarakat berpenghasilan rendah (MBR) dengan kriteria yang telah ditetapkan pemerintah.
Keunggulan dari kedua produk ini adalah skema pembiayaan yang dapat dipilih sesuai fleksibilitas dan kebutuhan nasabah.
Jika ingin mendapatkan angsuran yang tidak berubah sampai dengan jatuh tempo pembiayaan, nasabah dapat menggunakan akad murabahah.
Plafon pembiayaan maksimal Rp.3.500.000.000, dengan DP uang muka ringan minimal 10% dan bank finance (pembiayaan bank) hingga 90%. Tenor dari KPR ini bisa mencapai maksimum 15 tahun.
BCA Syariah
Sama seperti produk KPR syariah lainnya, pembiayaan KPR iB BCA Syariah dapat digunakan untuk pembelian rumah baru, baik ready stock maupun inden, serta kebutuhan renovasi maupun refinancing.
KPR BCA Syariah menawarkan berbagai keunggulan, seperti jenis akad yang sesuai kebutuhan nasabah, dan kepastian margin sepanjang jangka waktu pembiayaan dengan program margin berjenjang.
Akad yang digunakan adalah akad murabahah untuk rumah yang ready stock, akad istishna untuk rumah yang masih inden, dan akad ijarah muntahiya bittamlik (IMBT) untuk kebutuhan refinancing.
Sementara untuk kebutuhan renovasi menggunakan akad murabahah.
Jika Anda tertarik untuk menggunakan produk ini, Nasabah BCA Syariah dapat memperoleh pembiayaan KPR mulai dari Rp100 juta dengan margin berjenjang, mulai dari rate 8,5% per tahun.
Bank Syariah Indonesia (BSI)
KPR syariah termurah berikutnya ada dari Bank Syariah Indonesia (BSI).
BSI merupakan lembaga perbankan syariah terbesar di Indonesia, hasil merger dari tiga bank syariah, yakni Mandiri Syariah, BNI Syariah, dan BRI Syariah.
Program KPR yang ditawarkan terdiri dari empat, yaitu BSI Griya Simuda, BSI Griya Reguler, BSI Griya Mabrur, dan BSI Griya Take Over.
Keunggulan dari KPR BSI adalah angsurannya yang ringan dan tetap, pembayaran yang mudah, bebas biaya provisi, penalti, dan appraisal.
Adapun margin atau bunga KPR syariah BSI mulai dari 2,5 persen untuk KPR primer, 4,56 persen untuk seken, dan 4,56 persen untuk take over.
KPR Syariah BTN
Foto: detik.com
KPR BTN Platinum iB merupakan pembiayaan untuk kepemilikan properti dengan proses yang cepat, uang muka ringan dan angsuran tetap selama jangka waktu pembiayaan melalui akad murabahah.
Selain KPR BTN Platinum ada juga KPR BTN Bersubsidi iB.
Pembiayaan yang ditujukan untuk program kesejahteraan masyarakat berpenghasilan rendah yang bekerja sama dengan Kementerian Pekerjaan Umum dan Perumahan Rakyat.
Program ini dibuat dalam rangka memudahkan kepemilikan rumah melalui akad murabahah (jual beli) yang memberikan berbagai macam manfaat.
Bunga KPR bank syariah ini mulai dari 7,75 persen dengan masa kredit 1-20 tahun untuk program BTN Platinum iB.
Bank ini memiliki program bernama KPR iB dengan tiga produk unggulan, yakni KPR Xtra Manfaat iB, KPR Xtra Fixed iB, dan KPR Xtra Flexi iB.
Masing-masing produk itu memiliki kelebihannya tersendiri, misalnya KPR Xtra Manfaat iB yang angsurannya lebih ringan atau KPR Xtra Flexi iB dengan DP yang tak memberatkan.
Margin dari salah satu KPR bank syariah termurah ini mulai dari 6,5 persen dengan masa kredit hingga 25 tahun.
OCBC NISP Syariah
Foto: Tribun Jogja
OCBC NISP juga mengeluarkan produk KPR syariah dengan nama KPR iB MMQ.
Sesuai namanya, program ini memungkinkan debitur membeli rumah baru atau seken dengan akad MMQ.
Keuntungan dari OCBC NISP Syariah di antaranya adalah angsurannya yang ringan, uang mulai mulai dari lima persen, dan tenor hingga 25 tahun.
Margin dari salah satu KPR syariah termurah ini mulai dari 2,88 persen saja.
KPR Bank Muamalat
Foto: liputan6.com
Rekomendasi terakhir KPR syariah termurah dari Rumah123 adalah Bank Muamalat.
Bank ini memiliki program bernama KPR iB Hijrah, yang memudahkan Anda memiliki rumah impian secara lebih berkah, mudah, nyaman, dan sesuai syariah.
Tak hanya untuk pembelian rumah, program pembiayaan Bank Muamalat juga bisa untuk take over, renovasi, pembelian barang, dan kebutuhan konsumtif lainnya dengan mengagunkan rumah.
Adapun akad yang digunakan Bank Muamalat adalah murabahah dan musyarakah mutanaqisah (MMQ).
Anda bisa mendapatkan pembiayaan dari KPR Bank Muamalat dengan margin mulai dari 3,99 persen (primary) & 6,99 persen (secondary) efektif p.a, dengan jangka waktu maksimal 20 tahun.
Menariknya, KPR ini dapat diajukan oleh pasangan suami istri dengan sumber penghasilan untuk angsuran diakui secara bersama (joint income).
***
Itulah beberapa KPR syariah termurah yang dapat Anda pilih. Semuanya mempunyai kelebihan dan kekurangan masing-masing.
Kunjungi halaman KPR Rumah123 jika Anda ingin mengajukan KPR syariah secara praktis hanya lewat ponsel!
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