KPR Bank Jatim bisa menjadi salah satu solusi pembiayaan rumah terbaik untuk keluarga. Cari tahu selengkapnya di sini!
Hendak mengajukan KPR? Selain memilih bank swasta atau pemerintah, kamu juga bisa menggunakan bank milik Pemerintah Daerah.
Salah satu bank milik Pemerintah Daerah yang cukup diminati untuk kebutuhan KPR adalah Bank Jatim.
Perusahaan perbankan milik Pemerintah Jawa Timur ini kerap menjadi pilihan untuk penyaluran KPR bagi masyarakat.
Melalui fasilitas KPR tersebut, Property People dapat dengan mudah untuk mendapatkan pinjaman kepemilikan rumah.
Terdapat beberapa produk KPR yang bisa digunakan baik untuk membeli aset properti hingga proses renovasi hunian.
Apa saja produk dari KPR Bank Jatim beserta syarat pengajuan, bunga hingga tabel angsurannya?
Simak pembahasannya bersama-sama!
Rekomendasi Produk KPR Bank Jatim
Sumber: Facebook/Bank Jatim
Dilansir dari situs resmi Bank Jatim, terdapat beberapa produk yang bisa kamu sesuaikan berikut ini:
1. KPR Sejahtera FLPP
Jenis KPR pertama adalah KPR Sejahtera FLPP atau Fasilitas Likuiditas Pembiayaan Perumahan untuk masyarakat berpenghasilan rendah (MBR).
Rumah tersebut sudah harus dibeli dengan kerjasama Badan Hukum maupun langsung ke perorangan dengan DP 1%.
Kriteria rumah yang bisa dibeli melalui KPR adalah berikut:
- Jawa (Kecuali Jabodetabek): Rp150,500,000.
- Jabodetabek: Rp168,000,000.
- Kepulauan Riau: Rp156,500.
- Rumah Susun: Maksimal Rp284,400,000.
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2. KPR iB Barokah
Produk berikutnya adalah KPR iB Barokah dengan pembiayaan syariah untuk jangka pendek, menengah maupun jangka panjang.
Jenis layanan ini bisa kamu gunakan untuk renovasi rumah baru maupun bekas baik melalui pengembang dan bukan pengembang.
3. Kredit Properti
Pilihan berikutnya dari KPR Bank Jatim adalah kredit properti untuk pembiayaan kepemilikan aset.
Tak hanya rumah, Property People bisa menggunakan produk ini untuk membeli apartemen, rumah toko maupun rumah kantor dengan tempo maksimal 20 tahun untuk karyawan.
Sementara, untuk wiraswasta tempo KPR maksimal yang ditentukan selama 10 tahun.
4. Kredit Konsumsi Beragun Properti
Selain KPR, terdapat juga kredit konsumsi beragun properti yang bisa membantu kebutuhan konsumtif dengan menjaminkan aset mulai kebutuhan renovasi rumah, dan pembiayaan lain-lain.
Jangka waktu kredit maksimal adalah 20 tahun.
Suku Bunga KPR Bank Jatim dan Tabel Angsurannya
Jika kamu sudah mengetahui beberapa produk tersebut, suku bunga yang ditentukan dari Bank Jatim tergolong sangat kompetitif yakni dengan suku bunga dasar kredit (SDBK) sebesar 6,71%.
Kamu juga bisa ketahui tabel angsurannya berikut ini:
Sumber: RKOnline.id
Syarat Pengajuan KPR Bank Jatim
Sumber: Facebook/Bank Jatim
Bagi Property People yang tertarik mengajukan KPR untuk Bank Jawa Timur, berikut syarat yang harus kamu lengkapi:
1. Syarat Umum
- Belum memiliki rumah dan menerima subsidi pemilikan rumah.
- Memiliki KTP dan NPWP.
- Bagi PNS/TNI/Polri yang pindah domisili karena kedinasan dikecualikan dari ketentuan belum memiliki rumah.
2. Syarat Dokumen
- Foto ukuran 4×6.
- Fotokopi KTP dan Kartu Keluarga.
- Fotokopi NPWP.
- Fotokopi (SPT) Tahunan PPh Orang Pribadi atau surat pernyataan penghasilan diketahui: Pimpinan instansi untuk masyarakat berpenghasilan tetap, Kades/Lurah untuk masyarakat berpenghasilan tidak tetap.
- Slip gaji dan surat keterangan dari tempat bekerja.
- Surat keterangan belum memiliki rumah dari RT/RW setempat atau Instansi tempat bekerja, Surat keterangan sewa atau kwitansi sewa rumah.
Cara Mengajukan KPR Bank Jatim
Setelah mengetahui prosedur yang berlaku, kamu bisa ketahui cara pengajuan KPR dengan rincian berikut:
- Pertama silahkan siapkan semua berkas persyaratan seperti yang sudah ditentukan.
- Kunjungi kantor cabang Bank Jatim.
- Mengambil nomor antrian untuk bertemu dengan Customer Service.
- Petugas akan langsung meminta berkas persyaratan untuk dilakukan pemeriksaan.
- Petugas juga memberikan sedikit penjelasan terkait produk dari suku bunga, tenor, dan plafon.
- Apabila pemeriksaan selesai, maka petugas meminta untuk mengisi formulir pengajuan.
- Proses pengajuan jika sudah berhasil maka diperbolehkan pulang.
- Setelah proses pengajuan, kemudian ada proses evaluasi terkait syarat dan administrasi.
- Menunggu persetujuan antara 7-14 hari jika pengajuan berkas diterima.
Itulah beberapa hal yang perlu kamu ketahui terkait produk KPR Bank Jatim beserta syarat dan prosedur pengajuannya.
***
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