Inilah Pilihan KPR Bunga Berjenjang Wajib Dipertimbangkan. Lengkap!

kpr bunga berjenjang

Tertarik mengajukan KPR bunga berjenjang di jualrumah123? Yuk, simak beragam pilihan yang bisa kamu pertimbangkan berikut ini!

Dewasa ini, kamu bisa menemukan banyak program Kredit Pemilikan Rumah (KPR) yang memudahkanmu dalam mewujudkan impian punya rumah sendiri.

Salah satunya adalah program KPR bunga berjenjang.

Program ini disebut-sebut sebagai solusi untuk memiliki hunian di masa suku bunga acuan Bank Indonesia (BI) naik.

Apabila kamu tertarik untuk mengajukannya, kami sudah merangkum sejumlah informasi yang tak boleh kamu lewatkan begitu saja.

Yuk, intip ulasan selengkapnya di bawah ini!

Apa Itu KPR Bunga Berjenjang?

apa itu kpr bunga berjenjang

KPR bunga berjenjang adalah penawaran yang diberikan pihak bank berupa fasilitas kredit dengan skema suku bunga fixed berjenjang hingga 10 tahun.

Jadi, nasabah akan mendapatkan angsuran dengan suku bunga fixed yang akan naik pada tahun-tahun tertentu.

Contohnya, Alya ingin mengajukan KPR dengan tenor 10 tahun.

Pada tahun pertama hingga ketiga ia membayar angsuran dengan suku bunga sebesar 5,8 persen.

Setelah itu, secara berkala, suku bunga angsuran KPR-nya akan naik.

Misalkan saja, Alya harus membayar angsuran dengan suku bunga 8,8 persen pada tahun keempat hingga keenam dan 9,8 persen pada tahun ketujuh hingga kesepuluh.

Pada kasus di atas, kamu bisa melihat adanya kenaikan suku bunga secara berjenjang pada tahun keempat dan pada tahun ketujuh.

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Manfaat KPR Berjenjang

Dengan suku bunga fixed yang naik pada tahun-tahun tertentu, kondisi ini tentu bisa memberi manfaat tersendiri bagi nasabah.

Salah satunya adalah cicilan KPR dalam jangka panjang bisa terprediksi dengan baik kenaikannya.

Selain itu, kamu sebagai nasabah nasabah juga bisa mengalokasikan dengan cepat anggaran per bulan mereka untuk angsuran karena sudah mengetahui secara pasti besarannya.

Secara psikologis, kamu tentu tidak perlu khawatir akan potensi kenaikan jumlah cicilan jika kondisi keuangan negara tidak stabil.

Kamu sendiri hanya perlu memerhatikan kapan suku bunga fixed-nya naik.

Selebihnya, KPR dengan bunga berjenjang bisa dianggap sebagai salah satu jenis KPR yang minim risiko.

Pilihan Bunga KPR Berjenjang yang Bisa Diajukan lewat Fitur KPR jualrumah123.com

sumber: jualrumah123.com

Jika kamu tertarik mengajukan KPR bunga berjenjang, kamu menemukan tempat yang tepat.

Pasalnya, kamu bisa langsung mengajukannya lewat fitur KPR jualrumah123.com.

Fitur satu ini tak hanya memudahkanmu dalam pengajuannya saja, lo!

Terdapat beragam keuntungan lain yang bisa didapat ketika kamu memutuskan untuk melakukan mengajukan KPR di jualrumah123.com.

Beberapa di antaranya adalah pilihan kredit lengkap dengan jangka KPR yang bervariasi.

Berikut adalah beberapa pilihan bunga KPR berjenjang yang bisa diajukan lewat KPR di jualrumah123.com.

1. Bank BTN

Pilihan pertama datang dari Bank BTN.

Bank ini menawarkan program KPR dengan suku bunga mulai dari 4,47 persen.

Untuk masa kreditnya, kamu bisa memilih tenor dari 5 hingga 30 tahun.

2. Bank BNI

Berikutnya, ada KPR bunga berjenjang dari Bank BNI.

Salah satu badan usaha milik negara ini menawarkan bunga mulai dari 3,76 persen dengan masa tenor 10-20 tahun.

3. Bank Mandiri

KPR bunga berjenjang Bank Mandiri adalah pilihan menarik yang sayang untuk dilewatkan.

Program yang ditawarkan bank BUMN ini mempunyai bunga mulai dari 3,95 persen dengan masa kredit antara 12-20 tahun.

4. Bank BCA

Pilihan terakhir yang bisa kamu pertimbangkan adalah KPR fix berjenjang BCA.

Salah satu bank terbesar di Indonesia ini memberikan beragam pilihan tenor yang bisa dipilih nasabah, yakni 8-20 tahun, 10-20 tahun, 15-20 tahun, dan 20 tahun.

Sementara itu, besaran bunga fix berjenjangnya mulai dari 4,25 persen.