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Mengenal Apa itu Mortgage Mulai dari Pengertian, Syarat, hingga Karakteristiknya

mengenal apa itu mortgage, skema, dan fiturnya

Apa itu mortgage? Instrumen kredit jangka panjang yang memudahkan nasabah membeli rumah. Simak penjelasan lengkapnya berikut ini.

Sebagian orang mungkin menemui kendala untuk memiliki rumah impian.

Bahkan, 34,63% warga Jakarta masih ngontrak pada 2022. 

Hal ini membuat banyak perusahaan perbankan memberikan cara untuk memudahkan setiap orang memiliki rumah. 

Salah satu alternatif yang ditawarkan oleh industri perbankan dan industri properti adalah mortgage.

Mortgage bank adalah solusi berupa bantuan pinjaman atau kredit untuk membeli rumah, tanah, dan properti lainnya. 

Nah, biar kamu memiliki gambaran jelas mengenai apa itu mortgage, syarat, dan kelebihan serta kekurangannya.

Simak penjelasan berikut ini, Rumah123.com mengutip dari berbagai sumber.

Apa itu Mortgage?

penjelasan terkait mortgage
Sumber: Mpamag.com

Mortgage adalah pemberian pinjaman berupa kredit jangka panjang dengan hak tanggungan. 

Nantinya, kamu sebagai peminjam akan memberikan jaminan berupa benda tak bergerak kepada pemberi pinjaman, misalnya bangunan. 

Namun demikian, kamu tetap boleh menempati aset yang dijaminkan tersebut dan melakukan pelunasan utang dengan cara diangsur. 

Pada praktiknya, sebutan populer untuk jaminan ini adalah hipotek.  

Sedangkan contoh nyata mortgage adalah pembelian rumah KPR yang sudah banyak digunakan orang, misalnya pembelian rumah KPR di Synthesis Huis.

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Syarat Mortgage

Berdasarkan pada pasal 1171 KUH Perdata, hipotek terjadi atas akta yang otentik.

Jadi, ketika seseorang akan memasang tanda hipotek atas properti yang mereka punya, maka harus ada bukti perjanjian tertulis yang dibuat oleh Pejabat Pembuat Akta Tanah (PPAT) terlebih dahulu.

Objek Mortgage

Berdasarkan Pasal 1164 Kitab Undang-Undang Hukum Perdata (KUH Perdata) telah diatur benda apa saja yang bisa dijaminkan mortgage.

Berikut objek yang bisa dijaminkannya:

  1. Benda tidak bergerak seperti tanah beserta bangunan di atasnya.
  2. Hak usaha dan hak mendirikan bangunan di atas tanah orang lain (hak numpang karang).
  3. Hak untuk memakai suatu benda dan kelengkapannya.
  4. Bunga tanah yang pembayarannya dengan uang maupun hasil tanah.
  5. Bunga seperti semula.
  6. Pasar dengan pengakuan pemerintah, termasuk hak-hak yang melekat kepadanya.
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Karakteristik dan Ciri Mortgage

mengenal apa itu mortgage

Jika kamu masih bertanya apa itu mortgage? Mortgage artinya adalah skema kredit untuk pengadaan properti.

Hal ini sudah diatur Kitab Undang-Undang Hukum Perdata sebagaimana berikut.

  1. Bersifat droit de suite atau zaaksgevolg, artinya hak tanggungan melekat pada benda meskipun sudah dipindah tangankan.
  2. Bersifat droit de preference, artinya, pembayaran utang untuk kreditur pemegang jaminan mortgage akan diutamakan dibanding kreditur lain.
  3. Ondeelbaar artinya jaminan mortgage hanya bisa kembali kepada pemiliknya setelah semua utang dibayar lunas.
  4. Kreditur hanya memiliki hak pelunasan utang sehingga tidak berhak untuk memiliki objek jaminan.
  5. Objek jaminan mortgage akan tetap dipegang kreditur meskipun ada tuntutan atasnya.
  6. Harus memenuhi asas publisitas, dengan demikian, perlu PPAT sebagai pihak ketiga.

Kelebihan dan Kekurangan Mortgage

Pada dasarnya tidak ada perbedaan KPR dan mortgage yang berarti karena keduanya sama-sama cara yang meringankan konsumen dalam membeli rumah.

Namun demikian, apa itu mortgage serta kelebihan dan kekurangannya. Berikut ini ulasannya.

Kelebihan Mortgage

  1. Meringankan pembelian aset meski belum memiliki dana yang cukup. 
  2. Jaminan dapat berupa properti yang sedang dicicil, sehingga tak perlu menjaminkan harta pribadi.
  3. Aset yang dijadikan jaminan masih dapat ditempati sendiri.

Kekurangan Mortgage

  1. Kamu bisa kehilangan aset ketika gagal membayar cicilan dan bunga.
  2. Pengajuan mortgage di bank cukup sulit dan prosesnya cukup panjang.
  3. Jika kamu mengambil jangka waktu pelunasan yang panjang, maka suku bunga akan semakin tinggi.

Jenis Mortgage untuk Pembelian Rumah

jenis mortgage
Sumber: Kotamandiribekala.com

Ada dua jenis mortgage dalam dunia perbankan untuk pembelian rumah, yakni Adjustable Rate Mortgage dengan Fixed Rate Mortgage. 

1. Adjustable Rate Mortgage

Jenis mortgage yang ini disebut juga sebagai ARM dengan tingkat bunga bisa naik atau turun selama masa pinjaman.

Adjustable Rate Mortgage juga memiliki penawaran suku bunga yang menarik dan terjangkau sejak awal pinjaman jangka pendek.

Namun demikian, ketidakpastian dapat terjadi yang menyebabkan pembayaran pinjaman menjadi tidak terkendali.

Hal itu terjadi karena indeks suku bunga yang meningkat sehingga pembayaran menjadi naik.

Sebaliknya, jika suku bunga turun, pembayaran kamu bisa turun dengan catatan tertentu.

2. Fixed Rate Mortgage

Jenis mortgage yang ini disebut memiliki aturan yang sudah fix sejak awal.

Sebab, tingkat bunga ditetapkan saat kamu memulai pinjaman dan tidak akan berubah.

Oleh karena itu, biasanya tingkat bunga fixed rate mortgage pada awal pinjaman menjadi lebih tinggi dibandingkan ARM.

Namun demikian, hal itu berpengaruh pada nominal cicilan atau pembayaran tiap bulan yang lebih stabil.

***

Itulah informasi terkait apa itu mortgage pada pembelian rumah yang perlu kamu ketahui.

Temukan artikel menarik lainnya hanya di artikel.rumah123.com.

Dapatkan kemudahan untuk memenuhi kebutuhan properti, karena Rumah123 akan selalu #AdaBuatKamu.

Cek

Maskah Alghofar

Maskah Alghofar

Content Writer

Maskah adalah seorang content writer di 99 Group sejak tahun 2022. Lulusan Penerbitan PoliMedia Jakarta ini mengawali karir sebagai jurnalis online. Kini, Maskah rutin menulis tentang properti, gaya hidup, pendidikan, dan kesehatan.