Seperti diketahui, ada dua jenis bunga Kredit Pemilikan Rumah (KPR), yaitu fix rate dan floating rate. Lalu, bagaimana pengalaman KPR bunga floating dan solusinya saat nilainya naik?
Iwan seorang pria 29 tahun dan belum menikah membagikan pengalamannya terkait bunga floating. Dia sendiri berencana mengajukan KPR dengan pertimbangan bunga yang kecil.
Dia melakukan riset kecil-kecilan untuk mendapatkan pengetahuan soal bunga ini. Usai riset, Iwan menemukan beberapa fakta tentangfloating rate KPR.
Seperti orang lain yang ingin membeli rumah lewat KPR, Iwan mencoba memahami apa itu bunga floating rate dan perbedaannya dengan fixed rate.
Nah berikut seluk-beluk bunga KPR floating rate yang ditemukan oleh Iwan dimulai dari perbedaan floating dan fixed, hingga solusi bila floating rate makin memberatkan.
Apa Beda Fixed Rate dan Floating Rate KPR?
Salah satu aspek krusial dalam KPR adalah suku bunga, karena inilah yang menentukan besaran cicilan yang harus dibayarkan setiap bulan.
Bunga floating adalah suku bunga yang selalu berubah mengikuti suku bunga di pasaran. Ada pun perbedaan fixed rate dan floating rate yaitu sebagai berikut.
Bunga tetap atau fixed rate
Besaran bunga tidak berubah selama periode tertentu, umumnya sekitar satu, tiga hingga lima tahun.
Memberikan kepastian dan kemudahan dalam merencanakan keuangan (stabilitas).
Cocok untuk debitur yang menginginkan kepastian cicilan.
Bunga mengambang atau floating rate
Besaran bunga mengikuti fluktuasi suku bunga acuan Bank Indonesia (BI).
Bunga bisa turun di bawah fixed rate saat suku bunga BI turun.
Bunga bisa naik di atas fixed rate saat suku bunga BI naik.
Cocok untuk debitur yang berani mengambil risiko dan menginginkan potensi keuntungan.
Perlu digarisbawahi memilih jenis suku bunga KPR yang tepat adalah keputusan personal yang harus didasarkan pada kondisi keuangan, profil risiko, dan preferensi pribadi.
Baik fixed rate maupun floating rate memiliki kelebihan dan kekurangannya masing-masing.
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.
Bagaimana Sistem Bunga Floating KPR?
KPR bunga floating menghadirkan fleksibilitas dengan mengikuti fluktuasi suku bunga pasar. Mekanisme suku bunga ini, yaitu sebagai berikut.
Besarnya bunga floating dihitung berdasarkan suku bunga acuan BI, tren bunga pasar, dan kebijakan bank.
Besarnya bunga tergantung faktor penentu seperti suku bunga BI, tren bunga pasar, dan kebijakan bank.
Kenaikan suku bunga BI akan meningkatkan floating rate dan cicilan rumah, sedangkan penurunannya akan menurunkan floating rate dan cicilan rumah.
Nah untuk mengantisipasi kenaikan cicilan akibat suku bunga BI naik, debitur harus mempunyai dana darurat untuk membayar KPR.
Mengapa Floating Rate Direkomendasikan?
Ada beberapa skenario di mana suku bunga mengambang atau floating menguntungkan, sehingga bermanfaat bagi nasabah:
Pertama, ketika ada indikasi yang dapat diandalkan bahwa suku bunga mungkin turun di masa depan.
Kedua, jenis suku bunga ini cocok untuk orang yang kurang memiliki pengetahuan tentang suku bunga bank dan ingin tetap berpegang pada suku bunga pasar.
Ada pun keuntungan bila mengambil KPR dengan floating rate, yaitu sebagai berikut.
Di awal tenor pinjaman, floating rate biasanya lebih rendah dibandingkan bunga KPR tetap.
Kesempatan untuk mendapatkan keuntungan jika suku bunga BI turun.
Bunga floating mulai berlaku setelah periode fixed rate berakhir. Apabila seseorang mengambil kredit rumah dengan tenor pinjaman KPR 20 tahun dengan bunga fixed tiga tahun, 17 tahun sisanya akan dikenakan bunga floating.
Batas maksimal floating rate setiap bank berbeda, tetapi umumnya berkisar antara 11%-14%. Misalnya suku bunga BI naik 15%, suatu bank menerapkan batas maksimalnya di angka 13%.
Besaran bunga floating dapat naik turun mengikuti perubahan suku bunga pasar.
Berapa Kisaran Bunga Floating KPR BCA, BRI dan Mandiri?
Di luar sana, banyak orang seperti Iwan yang mencari informasi tentang besaran bunga floating KPR.
Sebagai informasi, berikut kisaran suku bunga floating KPR terbaru dari bank-bank besar:
Bunga floating BCA (11%)
Bunga floating BRI (13-14%)
Bunga floating Mandiri (13%).
Untuk mengetahui besaran bunga floating KPR yang lebih lengkap, kamu dapat mengecek laman bank penyedia KPR di Rumah123.
Bunga KPR Terbaru
Beli properti impian dengan memilih produk KPR terbaik di Rumah123
Bank BCA
Bunga mulai
1.45%
Tenor maks.
20 tahun
Angsuran mulai dari
Rp. 1.152.598
Bank BRI
Bunga mulai
2.75%
Tenor maks.
25 tahun
Angsuran mulai dari
Rp. 1.107.146
Bank Mandiri
Bunga mulai
3.95%
Tenor maks.
30 tahun
Angsuran mulai dari
Rp. 1.138.889
*Perhitungan angsuran berdasarkan tenor maksimal, harga rumah Rp 300 juta, dan uang muka 20%.Lihat Semua Bank
Bisa Lakukan Simulasi KPR Floating?
Mari kita asumsikan bahwa Iwan memutuskan untuk mencicil sebuah rumah tipe 48/60. Rumah tersebut dibanderol harga Rp602.000.000.
Iwan membeli rumah tersebut dengan uang muka 20% atau Rp120.400.000.
Dengan tenor 20 tahun, dia mengambil KPR Mandiri dengan bunga KPR Mandiri 2024 fixed 3,5% selama tiga tahun. Tahun pertama sampai ketiga, jumlah cicilan Rp2.793.086 per bulan.
Namun, ketika di masa floating terjadi kenaikan suku bunga sebesar 12%, sehingga cicilan rumahnya ikut naik menjadi Rp4.938.476 per bulan.
Kamu juga bisa menghitung besaran cicilan rumah dengan lebih mudah menggunakan simulasi KPR dari Rumah123.
Tinggal masukkan harga properti, DP rumah dan bunga bank, ringkasan simulasi dan tabel angsurannya pun akan langsung muncul.
Kamu dapat menggunakan metode yang sama untuk mengetahui simulasi pengalaman KPR BRI, BNI, OCBC NISP maupun bank lainnya.
{"attributes":{"type":"udp","pdp_id":["nps1697"],"custom_title":"Detail Podomoro Park Bandung"},"pdp":{"data":{"GetPropertiesByOriginID":{"properties":[{"uuid":"3aa6b560-7090-49a0-bd1b-accf2eead042","agent":{"organization":{"uuid":"d33c6916-4681-46ac-82ae-eecc73f3ad7e","name":"PT. Agung Podomoro Land, Tbk","medias":[{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/250x250-fit\/developer\/logo\/developer-index-1481083146.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/developer\/logo\/developer-index-1481083146.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/developer\/logo\/developer-index-1481083146.jpg","order":0}]}],"contacts":[{"contactType":2,"type":"PHONE_NUMBER","value":"+6281952984809"},{"contactType":3,"type":"WHATSAPP","value":"+6281952984809"},{"contactType":1,"type":"EMAIL","value":"evergreen@99.co"}],"url":"\/properti-baru\/developer\/pt-agung-podomoro-land-tbk\/824\/"}},"location":{"uuid":"0c673d74-8635-4c53-9377-99b710c03908","level":3,"name":"Buah Batu","locationType":9,"text":"Buah Batu, Bandung"},"originId":{"value":"nps1697","formattedValue":"nps1697"},"price":{"minValue":900000000,"maxValue":8000000000,"currencyType":360,"display":"Rp 900 Juta - 8 Miliar","offer":900000000,"unitType":0,"subDisplay":""},"title":"Podomoro Park Bandung","medias":[{"mediaType":"BACKGROUND","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1715153492_663b2a5438f73ads_images_1697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715153492_663b2a5438f73ads_images_1697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715153492_663b2a5438f73ads_images_1697.jpg","order":0},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1668500448_63734be07802cads_images_1697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1668500448_63734be07802cads_images_1697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1668500448_63734be07802cads_images_1697.jpg","order":2},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1686883851_648bce0bceefbads_images_1697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1686883851_648bce0bceefbads_images_1697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1686883851_648bce0bceefbads_images_1697.jpg","order":3},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1686885061_648bd2c5aa609ads_images_1697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1686885061_648bd2c5aa609ads_images_1697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1686885061_648bd2c5aa609ads_images_1697.jpg","order":4},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1686902006_648c14f6034adads_images_1697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1686902006_648c14f6034adads_images_1697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1686902006_648c14f6034adads_images_1697.jpg","order":5},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1707011770_65beeeba6b530ads_images_1697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1707011770_65beeeba6b530ads_images_1697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1707011770_65beeeba6b530ads_images_1697.jpg","order":6},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1715153478_663b2a46b487cads_images_1697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715153478_663b2a46b487cads_images_1697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715153478_663b2a46b487cads_images_1697.jpg","order":7}]},{"mediaType":"LOGO","mediaInfo":[{"mediaUrl":"https:\/\/d3p0bla3numw14.cloudfront.net\/primary_property\/project\/1697\/1594705208_5f0d45384b671ads_logo_1697.png","thumbnailUrl":"https:\/\/d3p0bla3numw14.cloudfront.net\/primary_property\/project\/1697\/1594705208_5f0d45384b671ads_logo_1697.png","formatUrl":"https:\/\/d3p0bla3numw14.cloudfront.net\/primary_property\/project\/1697\/1594705208_5f0d45384b671ads_logo_1697.png","order":0}]},{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1715153492_663b2a5438f73ads_images_1697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715153492_663b2a5438f73ads_images_1697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715153492_663b2a5438f73ads_images_1697.jpg","order":0}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1715153883_siteplan_1697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715153883_siteplan_1697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715153883_siteplan_1697.jpg","order":0},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1623052033_60bdcf0189736floorplan_5132.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1623052033_60bdcf0189736floorplan_5132.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1623052033_60bdcf0189736floorplan_5132.jpg","order":80},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1623052123_60bdcf5b73266floorplan_5133.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1623052123_60bdcf5b73266floorplan_5133.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1623052123_60bdcf5b73266floorplan_5133.jpg","order":81},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1623052321_60bdd021ae9e0floorplan_5134.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1623052321_60bdd021ae9e0floorplan_5134.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1623052321_60bdd021ae9e0floorplan_5134.jpg","order":82},{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/750x420-crop\/customer\/543233\/2024-07-26-12-40-20-5d3d13e5-8112-4aa9-b499-45c1fff9738c.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/543233\/2024-07-26-12-40-20-5d3d13e5-8112-4aa9-b499-45c1fff9738c.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/543233\/2024-07-26-12-40-20-5d3d13e5-8112-4aa9-b499-45c1fff9738c.jpg","order":83},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1710917329_65fa86d1b31d0floorplan_1710917329.jpeg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1710917329_65fa86d1b31d0floorplan_1710917329.jpeg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1710917329_65fa86d1b31d0floorplan_1710917329.jpeg","order":84},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1710917438_65fa873ed5cc0floorplan_1710917438.jpeg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1710917438_65fa873ed5cc0floorplan_1710917438.jpeg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1710917438_65fa873ed5cc0floorplan_1710917438.jpeg","order":85},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1715150053_663b1ce53fea0floorplan_8508.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715150053_663b1ce53fea0floorplan_8508.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715150053_663b1ce53fea0floorplan_8508.jpg","order":86},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1715150769_663b1fb109f70floorplan_8511.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715150769_663b1fb109f70floorplan_8511.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715150769_663b1fb109f70floorplan_8511.jpg","order":87},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1715151125_663b21154e15bfloorplan_8512.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715151125_663b21154e15bfloorplan_8512.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715151125_663b21154e15bfloorplan_8512.jpg","order":88},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1715151560_663b22c8db496floorplan_1715151560.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715151560_663b22c8db496floorplan_1715151560.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715151560_663b22c8db496floorplan_1715151560.jpg","order":89}]},{"mediaType":"VR360","mediaInfo":[{"mediaUrl":"https:\/\/properview.rumah123.com\/podomoro-park\/?src=pdp","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715153492_663b2a5438f73ads_images_1697.jpg","formatUrl":"https:\/\/properview.rumah123.com\/podomoro-park\/?src=pdp","order":1}]},{"mediaType":"FACILITY","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1623060475_facility_121697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1623060475_facility_121697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1623060475_facility_121697.jpg","order":67},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1623060497_facility_191697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1623060497_facility_191697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1623060497_facility_191697.jpg","order":68},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1623060542_facility_371697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1623060542_facility_371697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1623060542_facility_371697.jpg","order":69},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1623060588_facility_101697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1623060588_facility_101697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1623060588_facility_101697.jpg","order":70},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1623060729_facility_41697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1623060729_facility_41697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1623060729_facility_41697.jpg","order":71},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1623061006_facility_11697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1623061006_facility_11697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1623061006_facility_11697.jpg","order":72},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1649736343_facility_151697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1649736343_facility_151697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1649736343_facility_151697.jpg","order":73},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1681362659_facility_131697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1681362659_facility_131697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1681362659_facility_131697.jpg","order":74},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1681362734_facility_261697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1681362734_facility_261697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1681362734_facility_261697.jpg","order":75},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1681362771_facility_171697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1681362771_facility_171697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1681362771_facility_171697.jpg","order":76},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1681362799_facility_61697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1681362799_facility_61697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1681362799_facility_61697.jpg","order":77},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1681362827_facility_111697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1681362827_facility_111697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1681362827_facility_111697.jpg","order":78},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x420-crop\/primary_property\/project\/1697\/1681362906_facility_71697.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1681362906_facility_71697.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1681362906_facility_71697.jpg","order":79}]}],"primaryProject":{"subUnits":[{"name":"Patragriya","properties":[{"title":"Avanya","description":" ","uuid":"72009a47-b917-476c-a2fe-25cfe0eb4016","medias":[{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1710917361_171091736165fa86f11e349ads_images_8322.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1710917361_171091736165fa86f11e349ads_images_8322.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1710917361_171091736165fa86f11e349ads_images_8322.jpg","order":0}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1710917329_65fa86d1b31d0floorplan_1710917329.jpeg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1710917329_65fa86d1b31d0floorplan_1710917329.jpeg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1710917329_65fa86d1b31d0floorplan_1710917329.jpeg","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"70","formattedValue":"70 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"31","formattedValue":"31 m\u00b2"},"bedrooms":null,"bathrooms":null,"carports":null},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":1000000000,"maxValue":1000000000,"currencyType":360,"display":"Rp 1 Miliar","offer":1000000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/avanya\/hos18322\/"},{"title":"Avega","description":" ","uuid":"4ca21e85-d668-4d69-98d5-7a52ab298b9f","medias":[{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1710917446_171091744665fa8746bad97ads_images_8323.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1710917446_171091744665fa8746bad97ads_images_8323.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1710917446_171091744665fa8746bad97ads_images_8323.jpg","order":0}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1710917438_65fa873ed5cc0floorplan_1710917438.jpeg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1710917438_65fa873ed5cc0floorplan_1710917438.jpeg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1710917438_65fa873ed5cc0floorplan_1710917438.jpeg","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"60","formattedValue":"60 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"29","formattedValue":"29 m\u00b2"},"bedrooms":null,"bathrooms":null,"carports":null},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":900000000,"maxValue":900000000,"currencyType":360,"display":"Rp 900 Juta","offer":900000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/avega\/hos28323\/"}]},{"name":"Wangsagriya","properties":[{"title":"Arana Eka","description":"[\"Pondasi : Tiang pancang \",\"Struktur : Beton Bertulang \",\"Dinding luar & dalam : bata plester aci \",\"Lantai : Kamar Utama & Ruang Utama: Homogeneous Tile, Carport : Keramik \"]","uuid":"4d622e40-7468-4ce4-8293-2c226c37b3f7","medias":[{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1715150995_1715150995663b2093bc5b7ads_images_1715150995.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715150995_1715150995663b2093bc5b7ads_images_1715150995.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715150995_1715150995663b2093bc5b7ads_images_1715150995.jpg","order":0}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1715151125_663b21154e15bfloorplan_8512.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715151125_663b21154e15bfloorplan_8512.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715151125_663b21154e15bfloorplan_8512.jpg","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"82","formattedValue":"82 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"72","formattedValue":"72 m\u00b2"},"bedrooms":{"name":"bedrooms","label":"Kamar","value":"2","formattedValue":"2"},"bathrooms":{"name":"bathrooms","label":"Kamar Mandi","value":"1","formattedValue":"1"},"carports":null},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":1700000000,"maxValue":1700000000,"currencyType":360,"display":"Rp 1,7 Miliar","offer":1700000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/arana-eka\/hos18512\/"},{"title":"Grand Calya","description":"[\"Pondasi : Tiang pancang \",\"Struktur : Beton Bertulang \",\"Dinding luar & dalam : bata plester aci \",\"Lantai : Kamar Utama & Ruang Utama: Homogeneous Tile, Carport : Keramik \"]","uuid":"75256b0a-2d7e-46c9-b7db-ee74ce958107","medias":[{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1715151560_663b22c8db496floorplan_1715151560.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715151560_663b22c8db496floorplan_1715151560.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715151560_663b22c8db496floorplan_1715151560.jpg","order":0}]},{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1715151617_1715151617663b230119dcbads_images_8515.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715151617_1715151617663b230119dcbads_images_8515.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715151617_1715151617663b230119dcbads_images_8515.jpg","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"130","formattedValue":"130 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"126","formattedValue":"126 m\u00b2"},"bedrooms":{"name":"bedrooms","label":"Kamar","value":"3","formattedValue":"3"},"bathrooms":{"name":"bathrooms","label":"Kamar Mandi","value":"3","formattedValue":"3"},"carports":null},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":2900000000,"maxValue":2900000000,"currencyType":360,"display":"Rp 2,9 Miliar","offer":2900000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/grand-calya\/hos38515\/"}]},{"name":"Sadyagriya","properties":[{"title":"Amala Eka","description":"[\"Pondasi : Tiang pancang \",\"Struktur : Beton Bertulang \",\"Dinding luar & dalam : bata plester aci \",\"Lantai : Kamar Utama & Ruang Utama: Homogeneous Tile, Carport : Bare Concrete\"]","uuid":"aa2bded9-708f-45dd-b5c6-149043048958","medias":[{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1715150016_1715150016663b1cc0a3bc9ads_images_1715150016.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715150016_1715150016663b1cc0a3bc9ads_images_1715150016.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715150016_1715150016663b1cc0a3bc9ads_images_1715150016.jpg","order":0}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1715150053_663b1ce53fea0floorplan_8508.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715150053_663b1ce53fea0floorplan_8508.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715150053_663b1ce53fea0floorplan_8508.jpg","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"90","formattedValue":"90 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"73","formattedValue":"73 m\u00b2"},"bedrooms":{"name":"bedrooms","label":"Kamar","value":"2","formattedValue":"2"},"bathrooms":{"name":"bathrooms","label":"Kamar Mandi","value":"1","formattedValue":"1"},"carports":null},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":1600000000,"maxValue":1600000000,"currencyType":360,"display":"Rp 1,6 Miliar","offer":1600000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/amala-eka\/hos18508\/"},{"title":"Asha Deluxe","description":"[\"Pondasi : Tiang pancang \",\"Struktur : Beton Bertulang \",\"Dinding luar & dalam : bata plester aci \",\"Lantai : Kamar Utama & Ruang Utama: Homogeneous Tile, Carport : Bare Concrete\"]","uuid":"12ed5a86-852e-4002-92dd-4a89e34180b1","medias":[{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1715150769_663b1fb109f70floorplan_8511.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715150769_663b1fb109f70floorplan_8511.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715150769_663b1fb109f70floorplan_8511.jpg","order":0}]},{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1715150656_1715150656663b1f40505a3ads_images_1715150656.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1715150656_1715150656663b1f40505a3ads_images_1715150656.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1715150656_1715150656663b1f40505a3ads_images_1715150656.jpg","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"96","formattedValue":"96 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"94","formattedValue":"94 m\u00b2"},"bedrooms":{"name":"bedrooms","label":"Kamar","value":"2","formattedValue":"2"},"bathrooms":{"name":"bathrooms","label":"Kamar Mandi","value":"2","formattedValue":"2"},"carports":null},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":2100000000,"maxValue":2100000000,"currencyType":360,"display":"Rp 2,1 Miliar","offer":2100000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/asha-deluxe\/hos28511\/"}]},{"name":"Brahmapuri","properties":[{"title":"Tanaya","description":"[\"Pondasi : Tiang Pancang \",\"Struktur : Beton Bertulang \",\"Dinding : Bata Plester Aci \",\"Penutup Atap : Genteng Bitumen \",\"Daya Listirk : 4400 VA\"]","uuid":"cfc7cb21-69ed-49ce-afcf-e0c125c6974d","medias":[{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1623052261_162305226160bdcfe5c7c86ads_images_5132.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1623052261_162305226160bdcfe5c7c86ads_images_5132.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1623052261_162305226160bdcfe5c7c86ads_images_5132.jpg","order":0}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1623052033_60bdcf0189736floorplan_5132.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1623052033_60bdcf0189736floorplan_5132.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1623052033_60bdcf0189736floorplan_5132.jpg","order":0}]},{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1707012026_170701202665beefba9564eads_images_5132.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1707012026_170701202665beefba9564eads_images_5132.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1707012026_170701202665beefba9564eads_images_5132.jpg","order":2},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1707012032_170701203265beefc03837eads_images_5132.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1707012032_170701203265beefc03837eads_images_5132.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1707012032_170701203265beefc03837eads_images_5132.jpg","order":3}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"140","formattedValue":"140 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"147","formattedValue":"147 m\u00b2"},"bedrooms":{"name":"bedrooms","label":"Kamar","value":"4","formattedValue":"4"},"bathrooms":{"name":"bathrooms","label":"Kamar Mandi","value":"3","formattedValue":"3"},"carports":null},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":4000000000,"maxValue":4000000000,"currencyType":360,"display":"Rp 4 Miliar","offer":4000000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/tanaya\/hos15132\/"},{"title":"Askara","description":"[\"Pondasi : Tiang Pancang \",\"Struktur : Beton Bertulang \",\"Dinding : Bata Plester Aci \",\"Penutup Atap : Genteng Bitumen \",\"Daya Listirk : 4400 VA\"]","uuid":"13aa9030-6d5e-442f-a8a5-fc2498f52fbc","medias":[{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1707011805_170701180565beeeddd36d5ads_images_5133.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1707011805_170701180565beeeddd36d5ads_images_5133.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1707011805_170701180565beeeddd36d5ads_images_5133.jpg","order":0}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1623052123_60bdcf5b73266floorplan_5133.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1623052123_60bdcf5b73266floorplan_5133.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1623052123_60bdcf5b73266floorplan_5133.jpg","order":0}]},{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1623052109_162305210960bdcf4d6617aads_images_5133.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1623052109_162305210960bdcf4d6617aads_images_5133.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1623052109_162305210960bdcf4d6617aads_images_5133.jpg","order":0},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1668500433_166850043363734bd1539dfads_images_5133.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1668500433_166850043363734bd1539dfads_images_5133.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1668500433_166850043363734bd1539dfads_images_5133.jpg","order":1},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1707012105_170701210565bef00993471ads_images_5133.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1707012105_170701210565bef00993471ads_images_5133.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1707012105_170701210565bef00993471ads_images_5133.jpg","order":3},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1707012110_170701211065bef00def8f6ads_images_5133.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1707012110_170701211065bef00def8f6ads_images_5133.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1707012110_170701211065bef00def8f6ads_images_5133.jpg","order":4},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1707012110_170701211065bef00e0fc6fads_images_5133.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1707012110_170701211065bef00e0fc6fads_images_5133.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1707012110_170701211065bef00e0fc6fads_images_5133.jpg","order":5}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"176","formattedValue":"176 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"172","formattedValue":"172 m\u00b2"},"bedrooms":{"name":"bedrooms","label":"Kamar","value":"4","formattedValue":"4"},"bathrooms":{"name":"bathrooms","label":"Kamar Mandi","value":"3","formattedValue":"3"},"carports":null},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":5000000000,"maxValue":5000000000,"currencyType":360,"display":"Rp 5 Miliar","offer":5000000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/askara\/hos25133\/"},{"title":"Sagara","description":"[\"Pondasi : Tiang Pancang \",\" Struktur : Beton Bertulang \",\"Dinding : Bata Plester Aci \",\"Penutup Atap : Genteng Bitumen \",\"Daya Listirk : 4400 VA\"]","uuid":"39a0025d-40d0-44c8-b7e3-e328328bcdd2","medias":[{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1623052321_60bdd021ae9e0floorplan_5134.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1623052321_60bdd021ae9e0floorplan_5134.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1623052321_60bdd021ae9e0floorplan_5134.jpg","order":0}]},{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1707012134_170701213465bef026c1e11ads_images_5134.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1707012134_170701213465bef026c1e11ads_images_5134.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1707012134_170701213465bef026c1e11ads_images_5134.jpg","order":1},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1707012139_170701213965bef02b7b241ads_images_5134.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1707012139_170701213965bef02b7b241ads_images_5134.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1707012139_170701213965bef02b7b241ads_images_5134.jpg","order":2},{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1707012139_170701213965bef02b8fd74ads_images_5134.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1707012139_170701213965bef02b8fd74ads_images_5134.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1707012139_170701213965bef02b8fd74ads_images_5134.jpg","order":3}]},{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/750x560-crop\/primary_property\/project\/1697\/1623052301_162305230160bdd00d6da7eads_images_5134.jpg","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/primary_property\/project\/1697\/1623052301_162305230160bdd00d6da7eads_images_5134.jpg","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/primary_property\/project\/1697\/1623052301_162305230160bdd00d6da7eads_images_5134.jpg","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"198","formattedValue":"198 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"230","formattedValue":"230 m\u00b2"},"bedrooms":{"name":"bedrooms","label":"Kamar","value":"4","formattedValue":"4"},"bathrooms":{"name":"bathrooms","label":"Kamar Mandi","value":"3","formattedValue":"3"},"carports":null},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":8000000000,"maxValue":8000000000,"currencyType":360,"display":"Rp 8 Miliar","offer":8000000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/sagara\/hos35134\/"}]},{"name":"Naragriya","properties":[{"title":"Student House","description":" ","uuid":"6b0f65d1-bed5-417d-a56b-06b20031b3ac","medias":[{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/750x560-crop\/customer\/543233\/2024-07-26-12-40-20-5d3d13e5-8112-4aa9-b499-45c1fff9738c.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/543233\/2024-07-26-12-40-20-5d3d13e5-8112-4aa9-b499-45c1fff9738c.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/543233\/2024-07-26-12-40-20-5d3d13e5-8112-4aa9-b499-45c1fff9738c.jpg","order":0}]},{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/750x560-crop\/customer\/543233\/2024-07-26-12-39-59-e75901dc-8a23-42ee-898c-50d43bcd9d7a.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/543233\/2024-07-26-12-39-59-e75901dc-8a23-42ee-898c-50d43bcd9d7a.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/543233\/2024-07-26-12-39-59-e75901dc-8a23-42ee-898c-50d43bcd9d7a.jpg","order":1}]},{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/750x560-crop\/customer\/543233\/2024-07-26-12-39-17-31213f54-9cb6-43f7-8fe7-35c11c9896b1.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/543233\/2024-07-26-12-39-17-31213f54-9cb6-43f7-8fe7-35c11c9896b1.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/543233\/2024-07-26-12-39-17-31213f54-9cb6-43f7-8fe7-35c11c9896b1.jpg","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas Tanah","value":"70","formattedValue":"70 m\u00b2"},"buildingSize":{"name":"buildingSize","label":"Luas Bangunan","value":"146","formattedValue":"146 m\u00b2"},"bedrooms":{"name":"bedrooms","label":"Kamar","value":"10","formattedValue":"10"},"bathrooms":{"name":"bathrooms","label":"Kamar Mandi","value":"3","formattedValue":"3"},"carports":null},"propertyType":{"name":"propertyType","label":"Tipe Properti","value":"0","formattedValue":"Rumah"},"price":{"minValue":2300000000,"maxValue":2300000000,"currencyType":360,"display":"Rp 2,3 Miliar","offer":2300000000,"unitType":0,"subDisplay":""},"location":{"uuid":"","level":0,"name":"","locationType":0,"text":""},"subtitle":"","url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/student-house\/hos8957\/"}]}]},"url":"\/perumahan-baru\/properti\/bandung\/podomoro-park-bandung\/nps1697\/"}]}}},"strapi":null,"baseUrl":"https:\/\/www.rumah123.com"}
Apakah KPR Bisa Dilunasi saat Masa Floating?
Jika kamu berencana melunasi KPR sebelum waktunya, maka akan dikenakan penalti KPR. Nilai penalti yang dikenakan kepada nasabah berkisar antara 1%-3% dari biaya pelunasan.
Misalnya Iwan sudah menjalani masa cicilan rumah di Podomoro Park Bandung selama delapan tahun, atau lima tahun dengan bunga floating KPR.
Di tahun tersebut, ia mendapatkan bonus besar dari kantornya dan berencana mengalokasikan bonus tersebut untuk melunasi sisa cicilan KPR.
Jika cicilannya tinggal Rp300.000, maka biaya penalti pelunasan KPR dipercepat adalah 1% dari angka tersebut, yaitu Rp3.000.000.
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
Adakah Solusi untuk Kenaikan Bunga Floating?
Kenaikan BI rate tentu akan membebani cicilan KPR floating, sehingga dibutuhkan solusi untuk mengatasinya:
Lunasi sebagian besar cicilan rumah di awal. Bisa dengan membayar DP rumah yang lebih besar sehingga jumlah cicilan lebih sedikit.
Negosiasi dengan bank untuk memperpanjang tenor kreditnya. Cara ini bisa memberikan ruang agar pengeluaran per bulan tidak terlalu terbebani.
Ajukan pengalihan atau take over ke bank lain dengan tingkat bunga yang lebih rendah, misalnya dengan take over KPR ke bank syariah.
Setelah menyimak pengalaman KPR bunga floating barusan, kamu pasti mulai memiliki bayangan tentang besaran cicilannya ‘kan.
Semoga informasi di atas bermanfaat, ya.
Ada pertanyaan tentang bunga floating KPR? Tanyakan di forum tanya properti Teras123!
Download Aplikasi Rumah123
Cari Agen
Explore
Berita
Beri Saran
Download Aplikasi
