Kredit Pemilikan Rumah (KPR) menjadi salah satu metode pembelian rumah yang cukup diminati masyarakat.
Beli rumah dengan skema kredit dianggap tidak memberatkan secara finansial, sebab pembayaran pembelian rumah bisa dilakukan secara bertahap atau dicicil.
Meski begitu, bagi sebagian kalangan masyarakat, membeli rumah dengan KPR justru akan menimbulkan kekhawatiran terjerat dosa riba.
Pertanyaannya, apakah KPR Riba?
Menurut ulama, pembelian rumah melalui KPR konvensional menimbulkan bunga bank, yang dalam hal ini adalah tambahan biaya dari transaksi pinjaman.
Praktik inilah yang tergolong riba nasi’ah dan haram hukumnya dalam Islam.
Kredit atau utang diperbolehkan dengan syarat tidak ada ziyadah (tambahan).
Maka itu, ada istilah qardh (utang piutang) yang termasuk akad tabarru’ (tolong menolong).
Dengan begitu, meminjam uang di bank konvensional untuk membeli rumah dalam bentuk program KPR termasuk riba.
Lantas, bagaimana cara untuk bisa memiliki rumah impian tanpa terjerat riba? Adakah pengalaman seseorang yang bisa memiliki rumah tanpa riba?
Nah, terkait cara dan pengalaman beli rumah tanpa riba, simak ulasan di bawah ini.
Pengalaman Beli Rumah Tanpa Riba
Pengalaman beli rumah tanpa riba ini diambil dari kisah teman penulis bernama Nopal.
Dia seorang dosen muda di salah satu universitas swasta di Bandung.
Nopal memiliki sebuah rumah di salah satu komplek perumahan terkenal di Kota Bandung.
Hunian tersebut dibeli secara tunai keras seharga Rp560 juta.
Diakui Nopal, pembelian rumah tersebut tidak sepenuhnya berasal dari dia, melainkan ada bantuan dari orang tuanya.
“Jadi, waktu itu saya hanya punya uang sebesar Rp200 juta untuk membeli rumah tersebut. Kemudian, saya berkonsultasi dengan orang tua, dan mereka mau bantu,” kata Nopal, kepada penulis.
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“Akhirnya kekurangan biaya untuk pembelian rumah tersebut dibantu oleh orang tua dengan skema pinjaman.”
Karena bantuan yang diberikan berupa pinjaman, setiap bulannya, Nopal berkewajiban mengganti kekurangan pembelian rumahnya itu kepada orang tuanya dengan cara mencicil.
“Jadi per bulan, saya rutin mencicil sekitar Rp2 jutaan kepada orang tua. Ya, sebenarnya sesuai kemampuan saya saja. Dan, orang tua juga tidak mempermasalahkannya,” tutur dia.
Diakui Nopal, pembelian rumah dengan cara tersebut tidak memberatkan secara finansial, sebab tidak ada denda yang harus dibayarkan ketika cicilannya terlambat.
“Terus yang kita cicil ini kan memang asli dari harga rumahnya, jadi tidak ada penambahan biaya. Terus kalau mau langsung dilunasi juga gampang, karena kita meminjam ke orang tua,” tegas Nopal.
Beli Rumah secara Kredit, Apakah Riba?
Dari pengalaman yang diceritakan Nopal, meminjam uang dari kerabat atau orang tua menjadi salah satu cara untuk bisa beli rumah tanpa riba.
Pasalnya, dalam proses tersebut, tidak ada bunga yang menjadi tambahan biaya dari transaksi pinjaman tersebut.
Namun, selain meminjam uang dari kerabat atau orang tua, masih ada cara lain yang bisa ditempuh untuk beli rumah tanpa riba.
Salah satunya mengajukan pembiayaan kredit rumah syariah ke developer syariah atau bank syariah.
Ada banyak bank yang menawarkan kredit rumah tanpa riba tanpa DP, di antaranya adalah Bank Syariah Indonesia (BSI) hingga Bank Tabungan Negara (BTN) syariah.
Bagaimana Cara Mengajukan KPR Syariah Rumah Bekas?
Foto: Intiland
Hampir sama dengan rumah baru, cara dan syarat pengajuan KPR syariah untuk rumah bekas adalah sebagai berikut:
- Warga Negara Indonesia mulai dari usia 21 tahun
- KTP, NPWP, Kartu Keluarga, dan Buku Nikah (bagi yang sudah menikah)
- Rekening koran dan slip gaji
- Memiliki penghasilan tetap, baik pegawai maupun wiraswasta
Kamu juga harus melengkapi beberapa dokumen dan surat untuk KPR rumah second, seperti IMB, SHM, pembayaran PBB dan perjanjian jual beli.
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Lantas, berapa biaya cicil rumah tanpa riba? Tentu biayanya akan berbeda sesuai dengan harga rumah yang akan dibeli, serta sistem kredit yang diambil.
Namun, agar lebih mudah mengetahui kisaran uang muka, cicilan dan biaya pengajuan KPR, Anda dapat melakukan simulasi lewat Kalkulator KPR Syariah Rumah123.
Misalnya, Anda hendak membeli rumah seharga Rp500 jutaan di Graha Palem Asri.
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Kemudian, jenis kredit yang Anda pilih adalah program BTN Platinum iB dari BTN Syariah, dengan rincian sebagai berikut:
Dengan angka tersebut, maka besaran simulasi KPR-nya adalah sebagai berikut:
Apa Saja Keuntungan Mengambil Kredit Rumah Tanpa Riba?
Keuntungan utama dari mengambil kredit rumah tanpa sistem riba tentunya adalah terbebas dari dosa.
Sedangkan keuntungan lainnya adalah:
- Tidak memakai sistem bunga konvensional, tetapi margin.
- Jumlah cicilan KPR tidak berubah mengikuti suku bunga BI.
- Mempermudah perencanaan keuangan.
Bagaimana Jika Terlanjur Beli Rumah KPR Biasa?
Lantas, bagaimana jika terlanjur beli rumah KPR konvensional? Berikut adalah solusi yang bisa Anda ikuti:
- Mencari pinjaman non-riba dari keluarga atau kolega sebesar sisa cicilan rumah yang belum dibayar, lalu melunasinya.
- Berusaha meminimalisir pengeluaran pribadi agar dapat menyisihkan uang lebih banyak sehingga dapat melunasi sisa cicilan KPR secepat mungkin.
- Jika memiliki harta yang dapat dijual tanpa menyusahkan dirinya, maka dapat menjualnya untuk melunasi cicilan rumah KPR.
Setelah membaca simulasi dan pengalaman beli rumah tanpa riba di atas, Anda pasti mulai memiliki bayangan tentang besaran biaya dan syaratnya, kan?
Nah, bagi Anda yang tertarik untuk memiliki rumah syariah, bisa langsung cek rekomendasinya di perumahan syariah Rumah123.
Punya pertanyaan seputar properti? Yuk, ngobrol di Teras123!
Semoga bermanfaat!