Sedang mencari informasi mengenai tabel pinjaman Bank BTN jaminan sertifikat rumah? Tenang, simak ulasan lengkapnya pada artikel berikut ini.
Fasilitas pinjaman dari Bank BTN sangatlah beragam, seperti Kredit Usaha Rakyat (KUR), Kredit Agunan Rumah (KAR), Kredit BTN Mikro, dan lain sebagainya.
Namun, perlu diingat, sejumlah pinjaman tersebut umumnya memerlukan beberapa syarat penting yang mesti dilampirkan, salah satunya adalah jaminan sertifikat rumah.
Bank BTN sebagai salah satu bank negara terbesar di Indonesia juga punya program pinjaman menarik yang bisa dimanfaatkan para nasabah untuk berbagai kebutuhan.
Sebagian nasabah tentu saja bakal merasa terbantu dengan adanya pinjaman dari BTN guna dimanfaatkan untuk berbagai keperluan.
Nah, mengetahui tabel pinjaman BTN jaminan sertifikat rumah kiranya mesti jadi perhatian untuk mendapat gambaran cicilan yang akan dibayarkan setiap bulannya.
Yuk ketahui apa saja daftar pinjaman bank BTN yang membutuhkan sertifikat rumah sebagai syaratnya.
Daftar Isi Artikel
Pinjaman Bank BTN Jaminan Sertifikat Rumah
1. KUR Bank BTN
Salah satu produk pinjaman Bank BTN yang memerlukan jaminan sertifikat rumah adalah Kredit Usaha Rakyat atau KUR.
Sertifikat rumah perlu kamu lampirkan jika hendak meminjam sejumlah uang lewat produk pinjaman ini.
Adapun plafon yang diberikan tergolong besar, yaitu hingga Rp500 juta dengan tenor maksimal 5 tahun.
2. Kredit Agunan Rumah (KAR)
Kredit Agunan Rumah Bank BTN menjadi fasilitas yang kerap dimanfaatkan oleh para nasabah untuk pembiayaan pengadaan barang atau jasa.
Syarat untuk mendapatkan pinjaman KUR ini di antaranya adalah sertifikat rumah dan biasanya dilengkapi dengan dokumen penting lainnya.
3. Kredit BTN Mikro
Produk kredit BTN mikro biasanya digunakan untuk membeli lahan atau rumah, membangun atau merenovasi hunian, dan hal-hal penting lainnya.
Plafon yang diberikan ketika kamu mengajukan kredit BTN mikro adalah Rp75 juta dengan opsi tenor mulai dari satu tahun sampai dengan 10 tahun.
4. Kredit Ringan BTN Pensiunan
Sesuai namanya, pinjaman Kredit Ringan BTN Pensiunan dikhusukan bagi para pensiunan.
Biasanya, pinjaman ini hanya memerlukan jaminan SK pensiun sebagai syarat.
Akan tetapi, apabila plafon yang diambil terbilang tinggi, kamu mesti menyertakan pula sertifikat rumah.
Sebagai informasi plafon pinjaman untuk Kredit Ringan BTN Pensiunan bisa mencapai hingga Rp300 juta dengan tenor 15 tahun.
Cara Pengajuan Pinjaman Bank BTN
Kunjungi kantor unit Bank BTN.
Siapkan berkas atau dokumen yang diperlukan.
Temui customer service.
Sampaikan maksud dan tujuan, dalam hal ini pengajuan pinjaman.
Isi form permohonan.
Setelah diisi, berikan kepada petugas.
Petugas atau pihak bank akan melakukan verifikasi untuk berkas yang telah dilampirkan.
Proses pengajuan selesai.
Petugas atau pihak bank bakal memberi tahu waktu pencairan dana.
Syarat dan Ketentuan
Secara umum, syarat dan ketentuan untuk memanfaatkan pinjaman Bank BTN jaminan sertifikat rumah adalah sebagai berikut.
WNI berusia 21 tahun atau telah menikah
Berstatus karyawan tetap/wiraswasta/profesional
Untuk karyawan, minimal durasi bekerja adalah 1 tahun, lama usaha/profesi minimal 1 tahun
Usia pemohon tidak melebihi 65 tahun
Bersedia menandatangani perjanjian kredit dan APHT (Akta Pembebanan Hak Tanggungan)
Jadi, ketika kamu memiliki sebuah rumah, misalnya, di perumahan Green Paradise City dan sedang membutuhkan uang untuk hal yang mendesak, perhatikan syarat dan ketentuan tersebut agar bank menyetujui pinjaman yang kamu ajukan.
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Tabel Pinjaman Bank BTN Jaminan Sertifikat Rumah
Sebelum mengajukan pinjaman di Bank BTN, ada baiknya kamu meninjau tabel pinjaman Bank BTN jaminan sertifikat rumah berikut ini.
1. Tabel Angsuran Bank BTN Jaminan Sertifikat Rumah
sumber: idekredit.com
2. Tabel Pinjaman KUR BTN Jaminan Sertifikat Rumah
Berikut adalah tabel pinjaman Bank BTN jaminan sertifikat rumah untuk produk KUR.
sumber: idekredit.com
3. Tabel Angsuran Pinjaman Bank BTN
sumber: idekredit.com
4. Tabel Pinjaman Jaminan Sertifikat Rumah
Berikut tabel pinjaman bank BTN jaminan sertifikat rumah yang dapat dijadikan referensi.
sumber: idekredit.com
Keuntungan Pinjaman Bank BTN Jaminan Sertfikat Rumah
Berikut adalah keuntungan yang akan diperoleh debitur saat hendak melakukan pinjaman Bank BTN jaminan sertifikat rumah.
1. Plafon Kredit Fleksibel
Untuk produk Kredit Agunan Rumah BTN terbaru 2024, biaya kredit yang disediakan bebas dan tanpa batasan maksimal.
2. Tenor 15 Tahun
Untuk Kredit Agunan Rumah BTN 2024, tenor maksimal bisa sampai 15 tahun.
Jangka tenor yang lama tersebut menguntungkan, terlebih bagi debitur yang memerlukan cicilan ringan.
3. Suku Bunga Kompetitif
Suku bunga di Bank BTN untuk pinjaman dengan jaminan sertifikat rumah sangat kompetitif.
4. Persyaratan dan Proses Mudah dan Cepat
Syarat kredit mudah alias antiribet, selain itu pengajuannya pun tergolong cepat.
5. Perlindungan Asuransi
Dalam proses kredit, debitur bisa mendapatkan perlindungan asuransi jiwa.
FAQ
Jaminan sertifikat rumah dapat pinjaman berapa?
Jaminan sertifikat rumah di bank BTN pada produk KUR bisa dapat pinjaman hingga Rp500 juta dengan tenor maksimal 5 tahun.
Berapa lama proses pengajuan pinjaman di BTN?
Proses pengajuan pinjaman di bank BTN secara umum adalah 7 hari, tetapi ada pula yang hanya memerlukan 2—3 hari saja.
***
Itulah informasi terkait rincian tabel pinjaman Bank BTN jaminan sertifikat rumah beserta cara pengajuannya.
Yuk, temukan informasi seputar pembiayaan dan topik-topik lainnya hanya di artikel.rumah123.com dan Google News.
Jika sedang mencari rumah untuk keluarga, Rumah123 adalah solusi yang tepat.
Ya, kini mencari properti makin mudah karena #SemuaAdaDisini!
Mengawali karier sebagai penulis lepas seputar tema olah raga di sejumlah media online. Sejak 2021 menjadi penulis konten di 99 Group dengan cakupan tema meliputi properti, marketing, dan gaya hidup. Senang menjelajah kota di akhir pekan.