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Monday, October 17, 2011

Membeli rumah dengan KPR Bank

Sudahkah anda memiliki rumah? masih mengontrak? atau masih tinggal dengan orang tua atau mertua? Sebenarnya sah-sah saja kalau anda belum memiliki rumah idaman. Nasib anda tidaklah terhitung malang, karena jutaan orang masih banyak yang belum mempunyai rumah atau memikirkan untuk berani memiliki rumah. Wajar saja harga rumah memang masih mahal, sedangkan gaji kita hanya cukup untuk makan saja plus kebutuhan standar lainnya. Lalu bagaimana solusinya?

Membeli rumah dengan KPR ! Kredit Kepemilikan Rumah. Semudah itukah solusinya? tentunya tidak. Mengapa? Karena sebelum kita memutuskan untuk membeli rumah dengan fasilitas KPR Bank, kita perlu mengkalkulasikan biaya apa saja yang harus dipersiapkan, selain kemampuan angsuran bulanan yang sudah kita perhitungkan terlebih dahulu.
Berikut beberapa hal yang perlu kita persiapkan :
  1. Uang Tanda Jadi, biasanya bila kita akan membeli rumah lewat pengembang kita diminta untuk menyerahkan uang tanda jadi sebagai bukti kita telah memesan. Uang tersebut sebagai bukti keseriusan kita akan komit segera membayarkan uang muka rumah sesuai yang dipersyaratkan pengembang. Uang Tanda Jadi berpotensi hangus atau hilang bila waktu yang dipersyaratkan untuk menyerahkan Uang Muka rumah tidak kita realisasikan sesuai kesepakatan dengan pengembang.
  2. Uang Muka (Down Payment /DP), uang muka ini biasanya dipersyaratkan oleh pihak pengembang. Besaran uang muka ini besarannya sangat relatif, namun umumnya antara 10% sampai 20%. Artinya Bank nantinya akan memberikan nilai kreditnya sebesar kekurangannya atau 90% dari harga jual rumah.
  3. Bea Perolehan Hak Atas Tanah dan Bangunan (BPHTB). Sesuai dengan pasala 5 UU Nomor 21/1997, tarif pajak BPHTB adalah 5% dari nilai perolehan objek kena pajak (NPOKP). NPOKP adalah nilai Perolehan Objek Pajak (NPOP) dikurangi dengan nilai Perolehan Tidak Kena Pajak (NPOPTKP).
  4. Akta Jual Beli (AJB). AJB diperlukan ketika proses mengurus Sertifikat. AJB merupakan bukti autentik secara hukum bahwa kita telah membeli tanah atau bangunan secara lunas.
  5. Bea Balik Nama (BBN). Biaya ini untuk proses balik nama sertifikat properti dari penjual ke pembeli. Untuk rumah yang dibeli dari pengembang, BBN biasanya sudah diurus oleh pengembang dan kita tinggal membayarnya saja.
  6. Provisi. Saat membeli rumah dengan KPR, kita akan dikenai biaya provisi oleh Bank. Biasanya sekitar 1% namun terkadang tergantung ketentuan bank tersebut.
  7. Asuransi. Selama belum lunas, rumah dengan kata lain masih menjadi milik bank. Untuk itu bank ingin rumahnya aman dari kebakaran dan bank ingin angsuran kita tetap lancar. Untuk itu Asuransi Kebakaran dan Asuransi Kredit Jiwa wajib kita siapkan biaya preminya.
  8. Akta Pemebrian Hak Tanggungan (APHT). Akta ini adalah pemasangan sementara kepemilikan bank atas nama kepemilikan properti kita. APHT akan berakhir ketika kita telah  memohon kepada Badan Pertanahan Negara, untuk melepaskan kepemilikan Bank sehubungan dengan telah lunasnya hutang kita terhadap bank. Surat Bukti Lunas dan Surat Roya, merupakan dokumen yang kita bawa ke BPN bila kita akan melepaskan APHT.
  9. Biaya Materai, biaya administrasi dan biaya pijat hehehe...
Demikian saudara-saudara. Silahkan berhitung. Sudah bisakah kita melangkah ke Bank? KPR oh KPR....

NB : Kalau tidak salah BNI Syariah, pada saat tulisan ini ditulis mereka sedang promo KPR. Uang Muka 10%, angsuran tetap, tanpa biaya provisi, biaya administrasi dan biaya taksasi. Promo sampai akhir tahun begitu katanya.

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