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Beranda / Artikel / Pembiayaan

Tabel KPR Bank Syariah Indonesia: Syarat, Ketentuan, dan Biaya

24 Des 2024 4 mins read Author: Reyhan Apriathama Editor: Elmi Rahmatika
Editor: Elmi Rahmatika

Artikel Terpopuler

Tabel KPR Bank Syariah Indonesia 2023

Tabel KPR Bank Syariah Indonesia bisa menjadi panduan terbaik untuk mewujudkan rumah idaman. Cari tahu serba-serbinya di sini!

Dari banyaknya lembaga keuangan penyedia jasa KPR, salah satu pilihan yang sangat menarik untuk konsumen adalah layanan Bank Syariah Indonesia.

Layanan KPR Bank Syariah Indonesia yang cukup terkemuka adalah produk Griya Hasanah.

KPR Griya Hasanah atau fasilitas pembelian aset properti dari Bank Syariah Indonesia ini tak hanya digunakan untuk beli rumah.

Produk ini juga bisa digunakan untuk pembelian aset properti lain, seperti ruko atau apartemen.

penawaran khusus

Ada berbagai keuntungan yang dimiliki oleh KPR BSI, mulai dari cicilan ringan hingga dapat melakukan pemindahan angsuran dari perbankan lain.

Salah satu fakta menarik dari berbagai keuntungan KPR BSI juga tampak pada tabel angsuran yang sudah tertera bagi para nasabah.

Punya banyak keuntungan untuk nasabah, seperti apa tabel KPR Bank Syariah Indonesia? Simak pembahasannya bersama-sama!

Pengertian KPR BSI Griya Hasanah 

Produk KPR BSI
Sumber: Bankbsi.co.id

KPR BSI adalah bagian dari fasilitas likuiditas pembiayaan pembelian perumahan (FLPP) dari Bank Syariah Indonesia dengan prinsip syariah.

Jika pembelian rumah menggunakan KPR BSI berhasil, nasabah perlu mengembalikan uang melalui sistem angsuran.

Besaran angsuran disesuaikan harga rumah (margin) serta waktu sesuai akad. 

Fitur KPR BSI Hasanah 

Terdapat dua fitur unggulan dari KPR Bank Syariah Indonesia: 

1. KPR BSI Hasanah 

Jenis KPR ini adalah pembiayaan FLPP untuk pembelian hunian berdasarkan perjanjian baru.

Artinya, kamu belum pernah mengajukan layanan KPR dari perbankan lain untuk tinggal di tempat tersebut.

2. KPR BSI Hasanah Take Over 

Produk ini adalah layanan untuk hunian yang menjalani KPR di perbankan lain, yang kemudian dibiayai oleh Bank Syariah Indonesia. 

Syarat KPR BSI Hasanah 

  1. Warga Negara Indonesia
  2. Usia pemohon 21 sampai 60 tahun
  3. Memiliki penghasilan tetap
  4. Sudah bekerja minimal 1 tahun sebagai karyawan, dan 2 tahun sebagai profesional
  5. Berdomisili di area jangkauan BSI
  6. Memiliki dan bersedia membuka rekening BSI

Selain syarat di atas, kamu perlu mempersiapkan beberapa dokumen persyaratan jika hendak mengajukan angsuran KPR melalui berkas berikut ini: 

  1. Formulir KPR BSI Hasanah yang sudah ditandatangani
  2. Fotokopi KTP pemohon jika sudah menikah
  3. Kartu Keluarga
  4. Akta Nikah
  5. Rekening tabungan 3 bulan terakhir
  6. Slip gaji atau surat keterangan penghasilan
  7. Fotokopi rekening listrik
  8. Dokumen hunian: SHM/SHGB, IMB dan denah
  9. Dokumen tambahan: 

Jika administrasi sudah terpenuhi, nasabah bisa mengunjungi kantor cabang BSI terdekat. 

Biaya KPR BSI Hasanah 

Ada beberapa biaya perumahan untuk nasabah KPR BSI Hasanah, yakni sebagai berikut: 

Biaya KPR BSI Hasanah Nominal 
Uang Muka atau DP  15% plafon
Administrasi 1% plafon
Appraisal Pinjaman < Rp1.5 miliar: Gratis, lebih dari 1.5 miliar: Rp1-2 juta
Notaris Menyesuaikan harga rumah
Asuransi Kebakaran Ditentukan hasil appraisal 
Asuransi Jiwa Menyesuaikan usia pemohon 

Keunggulan dan Kelemahan KPR BSI Hasanah

Ada beberapa keunggulan dan kelemahan KPR BSI: 

Keunggulan 

  1. Sesuai ketentuan syariat Islam
  2. Plafon hingga Rp5 miliar
  3. Ada fitur take over
  4. Syarat mudah didapatkan

Kelemahan 

  1. Jangka waktu maksimal 20 tahun
  2. Belum menyediakan pengajuan daring
  3. Masih membebankan banyak biaya

Melansir situs bankbsi.co.id, sejumlah pengembang ternama sudah menjalin kerja sama dengan BSI, seperti Ciputra Group, Metropolitan Land (Metland), Sinar Mas Land, hingga Summarecon.

Jadi, kamu bisa mengajukan KPR BSI Griya untuk pembelian rumah di developer tersebut.

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Tabel Angsuran KPR BSI Hasanah Terlengkap 

KPR BSI Untuk Jangka Pendek
Sumber: Atmnesia.com
KPR BSI Untuk Jangka Panjang 2023
Sumber: Ceramahmotivasi.com

***

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