Berikut sejumlah tanda atau ciri ciri KPR yang disetujui oleh pihak bank. Simak agar lebih memahaminya, ya!
Sistem pembelian rumah dengan cara dicicil atau yang lebih dikenal sebagai Kredit Pemilikan Rumah (KPR) saat ini menjadi primadona bagi masyarakat.
Pasalnya, masyarakat dapat lebih leluasa membeli hunian dengan cara mengangsur dan menyesuaikan lamanya pembayaran.
Meski begitu, dalam mengajukan KPR ada beberapa persyaratan yang perlu dipenuhi agar pengajuan dapat diterima.
Ketika pengajuan KPR diterima, biasanya pihak bank akan memberikan informasi mengenai hal tersebut.
Buat kamu yang ingin mengajukan KPR, bisa banget loh melakukan pencarian pembiayaan yang paling pas lewat Rumah123.com.
Rumah123 punya fitur KPR yang bisa memudahkan kamu mengecek kemampuan KPR, melakukan simulasi KPR, hingga mengajukan KPR dengan berbagai macam pilihan bank.
Bukan cuma itu, kamu pun bisa mendapatkan cashback KPR sebesar Rp5 juta* bila mengajukannya lewat Rumah123.
Nah, kalau sudah mengajukan, supaya Property People makin memiliki gambaran, berikut ciri ciri KPR disetujui yang bisa kamu kenali.
Ciri Ciri KPR Disetujui oleh Pihak Bank
1. Panggilan dari Pihak Bank
Sumber: Hubspot.com
Secara umum, pihak bank membutuhkan waktu sekitar 2 minggu atau 14 hari kerja untuk memberi keputusan pengajuan KPR.
Namun, hal tersebut besifat tentatif.
Pasalnya, bank bisa memberikan keputusan lebih cepat atau lebih lama. Bahkan, dapat memakan waktu hingga 2 bulan.
Alasan utama lamanya penerimaan permohonan KPR yakni pihak bank memerlukan waktu tambahan untuk memverifikasi data pemohon.
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One Sentral Bogor","medias":[{"mediaType":"REGULAR","mediaInfo":[{"mediaUrl":"https:\/\/pic.rumah123.com\/r123\/250x250-fit\/developer\/logo\/developer-logo-osb-1728285882.png","thumbnailUrl":"https:\/\/pic.rumah123.com\/r123\/250x160-fit\/developer\/logo\/developer-logo-osb-1728285882.png","formatUrl":"https:\/\/pic.rumah123.com\/r123\/{width}x{height}-{scale}\/developer\/logo\/developer-logo-osb-1728285882.png","order":0}]}],"contacts":[{"contactType":1,"type":"EMAIL","value":"evergreen@99.co"},{"contactType":3,"type":"WHATSAPP","value":"+6285142902781"},{"contactType":2,"type":"PHONE_NUMBER","value":"+6285142902781"}],"url":"\/properti-baru\/developer\/pt-one-sentral-bogor\/1967\/"}},"location":{"uuid":"e3b3473e-5012-4f48-b9d3-6526c7b0c515","level":0,"name":"Bogor Utara","locationType":0,"text":"Bogor Utara, Bogor"},"originId":{"value":"nps3629","formattedValue":"nps3629"},"price":{"minValue":2000000000,"maxValue":4000000000,"currencyType":360,"display":"Rp 2 Miliar - 4 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: Mini Pile\nDinding : Batu bata merah dan batu bata ringan\nStruktur : Struktur Beton yang Dioptimalkan\nAtap : Atap Beton dan Aspal Bitumen\nListrik : 4400 Watt\nUtilitas : PDAM, PLN, Instalasi GAS (Opsional), Internet\nLantai : Ubin Carport 30x30, Teras HT 60x60, Utama HT 60x60, Kamar Mandi HT 60x60\nFasad Dinding : Finishing Cat Tekstur dan Conwood\nPlafon : Gypsum dan UPVC\nKanopi : Aluminium YKK\nJendela Carport : Aluminium YKK\nPintu : Engineering Door\nTangki Air : 1000 L\nSanitasi : TOTO\nSistem Smart Home","uuid":"22daf517-6065-44b6-b496-769c83993e15","medias":[{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/750x560-crop\/customer\/1971002\/5c1e5dfd88e224ad14e20a32a63ab18a.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/5c1e5dfd88e224ad14e20a32a63ab18a.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/5c1e5dfd88e224ad14e20a32a63ab18a.jpg","order":0}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/750x560-crop\/customer\/1971002\/d290df6dcb683a395c3204688b81eccf.png","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/d290df6dcb683a395c3204688b81eccf.png","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/d290df6dcb683a395c3204688b81eccf.png","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas 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Bitumen\nListrik : 4400 Watt\nUtilitas : PDAM, PLN, Instalasi GAS (Opsional), Internet\nLantai : Ubin Carport 30x30, Teras HT 60x60, Utama HT 60x60, Kamar Mandi HT 60x60\nFasad Dinding : Finishing Cat Tekstur dan Conwood\nPlafon : Gypsum dan UPVC\nKanopi : Aluminium YKK\nJendela Carport : Aluminium YKK\nPintu : Engineering Door\nTangki Air : 1000 L\nSanitasi : TOTO\nSistem Smart Home","uuid":"4c33aec0-5b4f-4eb1-95fe-5f5d680dd067","medias":[{"mediaType":"COVER","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/750x560-crop\/customer\/1971002\/c5091846db9bd6948dd3cf6dc07f6d46.jpg","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/c5091846db9bd6948dd3cf6dc07f6d46.jpg","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/c5091846db9bd6948dd3cf6dc07f6d46.jpg","order":0}]},{"mediaType":"SITEPLAN","mediaInfo":[{"mediaUrl":"https:\/\/picture.rumah123.com\/r123-images\/750x560-crop\/customer\/1971002\/cff66ea4d6c7cc909097b33e21e00ac4.png","thumbnailUrl":"https:\/\/picture.rumah123.com\/r123-images\/250x160-fit\/customer\/1971002\/cff66ea4d6c7cc909097b33e21e00ac4.png","formatUrl":"https:\/\/picture.rumah123.com\/r123-images\/{width}x{height}-{scale}\/customer\/1971002\/cff66ea4d6c7cc909097b33e21e00ac4.png","order":0}]}],"attributes":{"landSize":{"name":"landSize","label":"Luas 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2. Bank Terus Melakukan Follow Up
Sumber: Bria.com.ph
Ciri ciri KPR disetujui yang paling jelas adalah pihak bank terus menghubungimu secara intens.
Bahkan, Property People pun akan diundang untuk melakukan proses wawancara.
Dalam proses tersebut, pihak bank akan mengonfirmasi ulang terkait dengan dokumen yang diberikan sebelumnya oleh pihak pemohon.
Beberapa dokumen tersebut di antaranya adalah slip gaji, utang piutang, status pekerjaan dan perkawinan, dokumen komitmen pembayaran, hingga bertanya mengenai rumah yang akan diambil.
Jika semua proses berjalan lancar, pihak bank akan menghubungimu dalam kurun waktu beberapa hari.
3. Bank Meminta untuk Melakukan Proses Lanjutan
Sumber: Suara.com
Jika proses wawancara berjalan dengan lancar, pihak bank akan memintamu untuk mendatangi kantor cabang terdekat untuk melakukan proses lanjutan.
Langkah tersebut dilakukan agar Property People langsung menyelesaikan transaksi bersama dengan penjual.
Bank juga akan memberikan Surat Penegasan Persetujuan Penyediaan Kredit (SP3K) dan menemtukan tanggal untuk melakukan akad kredit sekaligus penyerahan akta jual beli.
4. Perubahan Status Pengajuan KPR di Bank
Sumber: Pngair.com.pg
Ciri ciri KPR disetujui selanjutnya bisa diketahui dengan mengecek status pengajuan KPR.
Saat ini, Property People bisa memantau dan melihat status pengajuan KPR secara online melalui aplikasi tanpa harus repot-repot mengunjungi kantor bank.
Salah satu bank yang menyediakan layanan tersebut adalah BCA.
Pihak BCA telah menyediakan layanan melalui situs tracking KPR BCA.
Untuk menggunakannya caranya sangat mudah.
Property People hanya perlu memasukkan nomor referensi pengajuan KPR dan tanggal lahir untuk melihat status pengajuan.
Kemudian, pilihlah fitur “Cek Status KPR Saya” dan tunggu hasilnya keluar.
Apabila pengajuan KPR disetujui, nantinya akan ada perubahan status dari saat pertama kali kamu mengajukan KPR hingga permohonan KPR diterima oleh pihak bank.
Meski begitu, tidak semua bank menyediakan layanan online untuk melihat status permohonan KPR.
Jika pihak bank tidak memiliki layanan tersebut, kamu dapat mendatangi langsung kantor cabang terdekat.
5. Pemberitahuan Melalui Rekening Koran
Sumber: Grahapermatagroup.com
Tanda lain ketika permohonan KPR disetujui oleh pihak bank yakni terdapat perubahan status pada rekening koran.
Namun, cara ini hanya berlaku bagi kamu yang mengajukan KPR subsidi.
Berdasarkan informasi yang diberikan oleh Kementerian PUPR, masyarakat berpenghasilan rendah yang melakukan pengajuan KPR bisa mengecek rekening koran.
Cek rekening koran dan pemindahbukuan di buku tabungan debitur atau nasabah pada bank tempat mengajukan KPR bersubsidi.
Apabila ada pemindahbukuan dari rekening tersebut, maka KPR subsidi yang diajukan telah dibayarkan oleh pemerintah kepada pengembang.
Dengan kata lain, pengajuan KPR milikmu telah disetujui meskipun belum ada kabar yang diberikan langsung oleh pihak bank.
***
Itulah ciri ciri KPR yang disetujui oleh pihak bank.
Semoga artikel ini bisa membantu ya, Property People!
Temukan informasi menarik lainnya seputar kabar properti hingga KPR hanya di artikel.rumah123.com.
Jangan lupa follow akun Google News kami untuk mendapatkan berita terbaru, ya.
Jika ingin memiliki rumah impian dengan mudah, temukan selengkapnya di Rumah123 karena #SemuaAdaDisini!
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