Bank BCA
Angsuran mulai dari
Rp. 1.152.598
Bank BNI
Angsuran mulai dari
Rp. 948.290
Bank BRI
Angsuran mulai dari
Rp. 1.107.146
Bank BTN
Angsuran mulai dari
Rp. 1.356.677
*Perhitungan angsuran berdasarkan tenor maksimal, harga rumah Rp 300 juta, dan uang muka 20%.
Lihat Semua Bank
Baca juga:
BI Checking Ganti Menjadi SLIK Checking OJK, Bisa Cek Sendiri
Proses BI Checking untuk KPR Berapa Lama?
Lantas, berapa lama proses BI checking ? Dengan SLIK OJK, pengecekan bisa dilakukan dalam 20 menit saja.
Waktu 5 menit untuk pencetakan dan 15 menit untuk penjelasan.
Durasi proses BI checking itu berlaku untuk permohonan KPR bank mana pun, baik KPR Mandiri , Maybank , Danamon , dan lainnya.
Anda juga bisa memeriksa informasi keuangan pribadi secara mandiri. Caranya mudah, yaitu melalui aplikasi iDebku .
OJK memberikan panduan singkat layanan informasi debitur SLIK secara online . Anda bisa mengikuti langkah-langkah di sana.
Anda bisa melakukan pengecekan secara mandiri sebelum mengajukan permohonan KPR ke bank.
Jika skornya rendah, sebaiknya lakukan ini:
Melunasi angsuran kredit atau utang yang tertunggak, karena mengajukan permohonan KPR di bank mana pun tidak akan disetujui apabila kualitas atau skor kredit buruk. Jika sudah melakukannya, maka saatnya memantau informasi debitur via SLIK apakah ada perubahan skor di sana? Apabila belum ada perubahan, bawalah surat penjelasan atau klarifikasi dari bank tempat Anda mengajukan kredit bahwa angsuran tertunggak sudah lunas ke OJK. Berikan informasi ke lembaga keuangan tersebut bahwa Anda telah menuntaskan kewajiban sebagai debitur.
Setelah itu, tunggu sampai hasil BI checking benar-benar bersih.
Lalu, Anda pun bisa mengajukan permohonan KPR rumah idaman.
Perhatikan Ini saat Melakukan BI Checking
Perlu Anda ketahui, layanan SLIK tidak dipungut biaya sama sekali, jadi hindari calo yang memungut dana liar, ya.
Jika hendak mengecek informasi keuangan pribadi via SLIK, maka sebaiknya tidak diwakilkan oleh orang lain, kecuali oleh pelapor.
Hal tersebut guna menjaga kerahasiaan data pribadi.
Namun, jangan heran saat melakukan proses BI checking bank akan meminta kartu identitas asli.
Kartu identitas tersebut boleh berupa Kartu Tanda Penduduk (KTP) maupun Surat Izin Mengemudi (SIM).
Nah, apabila proses BI checking bisa dilakukan dalam waktu sesingkat itu, apa yang membuat proses permohonan KPR bank lama?
Untuk menjawab pertanyaan ini, berikut tahap demi tahap dalam proses pengajuan KPR.
Baca juga:
Ketahui Proses Appraisal Rumah KPR agar Bebas Cemas
Tahapan dalam Proses Pengajuan KPR Appraisal
Appraisal cukup memakan waktu karena bank akan melakukan proses survei data diri calon debitur dan objek yang dijaminkan.
Bank akan melakukan wawancara untuk mengecek kesesuaian data diri mulai dari tanggal lahir, alamat, pekerjaan, hingga penghasilan.
Kemudian, bank juga akan melihat lokasi properti dan kondisi bangunannya, serta menaksir prospeknya di masa depan.
Proses appraisal ini memakan waktu sekitar 2 minggu sampai 1 bulan, tergantung jumlah permohonan KPR yang masuk.
Biasanya waktu appraisal lebih singkat, apabila kamu membeli rumah dari developer yang sudah bekerja sama dengan bank.
Misalnya rumah di Blizfield BSD City dari Sinar Mas Land. Sebagai developer ternama, pasti sudah bermitra dengan banyak bank.
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Anda juga bisa mempertimbangkan perumahan baru lainnya, atau masuk ke laman KPR bank untuk mendapat referensi lebih banyak.
Penawaran oleh Bank Setelah proses appraisal, pihak bank akan mengalkulasi dan mengonfirmasi ketentuan KPR.
Proses inilah yang menentukan kesepakatan antara debitur dan bank, seperti jumlah cicilan, jenis bunga, tenor, dan sebagainya.
Kredit Disetujui Bank Salah satu ciri-ciri KPR disetujui adalah bank akan membuat surat persetujuan kredit (SPK) dan menunjuk notaris untuk mengurus seluruh persyaratan.
Perlu digarisbawahi, untuk biaya notaris sendiri akan dibebankan kepada calon debitur, ya.
Tanda Tangan Akad Kredit Tanda tangan akad kredit adalah final dari tahapan proses KPR.
Penandatanganan akad kredit dilakukan di hadapan notaris, penjual rumah (atau developer), dan pihak pembeli (suami dan istri).
Bunga KPR Terbaru
Beli properti impian dengan memilih produk KPR terbaik di Rumah123
Demikianlah informasi terakit berapa lama hasil BI checking keluar, beserta tahap demi tahap proses permohonan KPR.
Semoga ulasan ini bermanfaat!
Mau ngobrolin apapun soal properti? Yuk ke Teras123 , dari jual beli properti, KPR sampai share pengalaman kamu juga bisa lho di sini!
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