Konsekuensi telat bayar KPR atau Kredit Pemilikan Tempattinggal merupakan hal yang harus diperhatikan Sebelumnya membeli sebuah hunian.
Seperti diketahui, KPR merupakan salah satu metode pembelian Tempattinggal yang kerap dipilih Bersama Komunitas Lantaran tidak memberatkan secara Perbankan.
Cukup menyiapkan sejumlah dana Untuk uang muka dan biaya pengurusan kredit Tempattinggal, maka tempat tinggal impian pun bisa didapatkan.
Tetapi, ketika sudah memutuskan beli Tempattinggal Bersama KPR, Anda harus berkomitmen melunasi kredit tersebut sesuai tenggat waktu yang ditetapkan bank.
Jangan sampai mangkir Di kewajiban membayar cicilan, sebab ada konsekuensi yang harus ditanggung jika terlambat membayar cicilan KPR.
Lantas, apa konsekuensi telat bayar KPR? Simak ulasan lengkapnya Di bawah ini.
Seluk-beluk mengenai telat bayar KPR:
Konsekuensi Telat Bayar KPR
Konsekuensi telat membayar cicilan KPR adalah Pembatasan berupa denda yang dikenakan kepada debitur alias penerima kredit.
Jumlah denda yang dikenakan bisa berbeda Untuk setiap debitur, sebab perhitungannya ditetapkan berdasarkan jumlah hari keterlambatan.
Lebihterus lama Anda menunggak cicilan, maka Lebihterus besar denda yang dikenakan.
Tetapi, biasanya denda dipatok Di 0,5–1% per hari Di jumlah cicilan per bulan, Sesudah Itu dikalikan Bersama jumlah hari keterlambatan.
Misalnya Anda mengajukan KPR Untuk membeli Tempattinggal Di Podomoro Park Bandung.
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Anggap jika cicilan yang harus dibayar adalah Rp5.587.150 per bulan tiap tanggal 25.
Sesudah Itu, Lantaran ada kebutuhan mendesak, Anda tidak bisa membayar cicilan Di tanggal 30 atau 5 hari Sesudah tenggat pembayaran kredit.
Lantaran keterlambatan tersebut, Anda pun dikenakan denda 1% Di jumlah cicilan.
Jika dikalkulasikan, maka denda telat bayar KPR yang harus dibayarkan adalah:
Rp5.587.150 x 1% x 5 = Rp279.357.
Nah, denda tersebut harus dibayar berbarengan Bersama setoran cicilan per bulan, ya.
Prosedur Pembatasan Telat Bayar KPR
Sebenarnya, denda hanya salah satu konsekuensi awal Di keterlambatan cicilan KPR.
Apabila nasabah tidak kunjung membayar denda beserta cicilan tersebut, maka bank bisa Mengungkapkan status gagal bayar Di kredit yang diajukan.
Konsekuensi Di KPR yang statusnya gagal bayar adalah penyitaan atas Tempattinggal yang tercatat sebagai agunan kredit.
Tetapi, ada beberapa prosedur yang Berencana dilakukan bank Sebelumnya mengubah status debitur dan melakukan penyitaan Tempattinggal, yakni:
1. Pemberitahuan Lewat Telepon atau SMS
Untuk mencegah nasabah Merasakan telat bayar cicilan KPR, bank biasanya Berencana mengirimkan semacam pemberitahuan Yang Berhubungan Bersama kewajiban Anda membayar cicilan.
Pemberitahuan biasanya Diberikan seminggu Sebelumnya jatuh tempo Lewat pesan singkat atau surat elektronik.
2. Surat Teguran
Jika sudah ada pemberitahuan dan nasabah tetap telat bayar cicilan, bank Berencana mengirimkan surat teguran kepada nasabah.
Ketika surat ini diberikan, sebenarnya pihak bank masih memberi kesempatan kepada nasabah Untuk memenuhi kewajibannya.
3. Surat Peringatan Pertama
Berikutnya, apabila nasabah mengabaikan surat teguran yang Diberikan, bank Berencana melakukan tindak lanjut Bersama mengirim Surat Peringatan Pertama (SP1).
Untuk yang belum tahu, surat ini berisi teguran lebih keras yang biasanya Berencana Diberikan sebanyak tiga kali berturut-turut Pada 3 minggu.
Di Di Itu, status kredit nasabah pun Berencana diturunkan Bersama bank Di status “Kredit Di Perhatian Khusus” menjadi “Kredit Kurang Lancar”.
Simulasi Kemampuan KPR
Cari tahu kemampuan cicilan KPR berdasarkan penghasilan.
Hasil Simulasi
Harga Properti Maksimal
Rp.
3.673.377.053
Angsuran maksimal yang disarankan
Rp.
30.000.000
Uang muka yang harus disiapkan
Rp.
734.675.411
*Hasil berdasarkan suku bunga terendah Di Rumah123, dan asumsi kamu tidak
Memperoleh cicilan bulanan lain yang berjalan Di ini.
4. Surat Peringatan Kedua
Bila SP1 tidak juga ditanggapi Bersama nasabah, bank Berencana memberi Surat Peringatan Kedua (SP2) 2–3 minggu Sesudah Itu.
Status kredit nasabah pun Berencana diturunkan menjadi “Kredit yang Diragukan”.
Selain mengirimkan SP2, bank juga Berencana memberi tagihan KPR yang belum dibayar beserta bunga dan dendanya, sekaligus Eksekusi Di jumlah yang cukup besar.
Tetapi, Di tahap ini Anda masih bisa “menyelamatkan” KPR tersebut lewat refinancing, restructuring, maupun rescheduling.
5. Surat Peringatan Ketiga
Jika surat peringatan 1 dan 2 sudah Diberikan tapi nasabah masih abai, maka bank Berencana kembali mengirim surat peringatan yang Hingga-3 alias SP3.
Terbitnya SP3 membuat status kredit nasabah menjadi “Kredit Macet”.
Pihak bank juga Berencana memberi opsi kepada nasabah Untuk menjual Tempattinggal Bersama waktu terbatas, agar bisa melunasi tunggakan kreditnya.
Apabila solusi tersebut masih diabaikan, bank Berencana melakukan penyitaan Pada aset Tempattinggal KPR.
Di Kontek Sini, bank sebagai pemegang hak tanggungan jaminan Memperoleh hak Untuk melakukan tindakan penyitaan aset jaminan.
Hal tersebut sesuai Bersama Undang-Undang No.4 Tahun 1996 pasal 6 tentang Hak Tanggungan Atas Tanah Beserta Benda-Benda yang berkaitan Bersama Tanah.
Tetapi, Sebelumnya itu terjadi, biasanya bank masih Berencana melakukan proses Perundingan Bersama beberapa alternatif solusi, seperti:
- Perundingan Untuk penjadwalan ulang
- Menawarkan over-credit Di nasabah Mutakhir
- Menyita Tempattinggal Untuk Sesudah Itu dilelang.
Skor ketiga merupakan sebuah konsekuensi akhir Lantaran nasabah Disorot telah gagal memenuhi perjanjian kredit.
Bagaimana Jika Telat Bayar KPR 1 Bulan?
Sumber gambar: Ideal
Mari kita buat contoh Peristiwa Pidana Hukum, misalnya ada seorang pria berusia 35 tahun yang Memutuskan Tempattinggal KPR Lewat Bank OCBC NISP.
Di kreditnya memasuki masa floating, ia mulai kesulitan Untuk membayar cicilan.
Tunggakannya berlangsung mulai Di sehari, seminggu, sebulan, hingga 2 bulan.
Berdasarkan skenario Di atas, begini skema jika telat bayar KPR 1 hari sampai 2 bulan:
- Telat bayar bank 1 hari: Biasanya, bank Berencana mengenakan denda keterlambatan sampai 1% Di cicilan bulanan.
- Telat bayar bayar bank 1 minggu: Jika belum membayar cicilan Pada seminggu, maka denda berjalan Berencana terus dikenakan bersama tunggakannya.
- Telat bayar bank 1 bulan: Nasabah Berencana Memperoleh surat peringatan Di bank Lantaran melebihi batas waktu tunggakan.
- Telat bayar bayar bank 2 bulan: Sesudah Memperoleh SP 3 dan Perundingan gagal, maka besar kemungkinan Tempattinggal tersebut Berencana disita.
Dapat disimpulkan, bank Memperoleh hak Untuk meminta debitur melunasi cicilannya sampai akhir bulan yang bersangkutan, atau sampai kredit dinyatakan macet.
Jika memang Merasakan kesulitan sampai Merasakan telat bayar KPR, maka berikut beberapa langkah yang bisa dilakukan.
Baca juga: Pengalaman Hidup KPR Bunga Floating dan Solusi Di Nilainya Naik
Cara Mengatasi Telat Bayar Cicilan KPR
Ada banyak faktor yang membuat orang telat atau gagal melunasi cicilan KPR-nya.
Kebanyakan disebabkan Bersama Kemakmuran Perbankan yang memburuk, Supaya nasabah tidak lagi Memperoleh kemampuan Untuk melunasi cicilan KPR.
Di Kemakmuran ini, kebanyakan nasabah biasanya Berencana menjual rumahnya agar bisa melunasi cicilan tersebut.
Tetapi, jika berniat Untuk mempertahankan Tempattinggal tersebut, maka datangi bank Yang Berhubungan Bersama dan jelaskan duduk persoalan yang membuat Anda kesulitan membayar cicilan.
Negosiasikan jalan keluarnya, biasanya bank Berencana Memberi sejumlah opsi agar Anda tidak dinyatakan gagal bayar dan bisa mempertahankan Tempattinggal tersebut.
Berikut sejumlah opsi yang bisa Anda tempuh:
1. Rescheduling
Rescheduling bisa diartikan sebagai penjadwalan ulang pembayaran.
Praktiknya, jadwal cicilan KPR bisa diatur kembali sesuai Bersama hitungan petugas bank dan kemampuan Anda.
Penjadwalan mencakup perpanjangan periode kredit (tenor) dan masa tenggang pembayaran cicilan (grace period).
Pada masa tenggang ini, nasabah diperbolehkan menunda pembayaran cicilan tanpa terkena denda atau Eksekusi.
Simulasi KPR Bank OCBC
Hitung pembiayaan KPR Bank OCBC Bersama bunga terbaik Di Rumah123
Angsuran/bulan mulai Di
Tahun Hingga-4 dan Seterusnya
Estimasi Bunga 12%
Rp. 2.539.642
2. Reconditioning
Reconditioning atau persyaratan kembali adalah upaya Untuk menetapkan syarat ulang Yang Berhubungan Bersama jadwal pembayaran hingga penetapan suku bunga KPR.
Misalnya Di floating menjadi fixed Untuk beberapa bulan, lalu floating lagi setelahnya.
Keringanan bunga juga bisa diberlakukan lewat proses ini.
3. Restructuring
Bila penjadwalan ulang dan penetapan syarat ulang tidak cukup membantu, tata besaran suku bunga serta tunggakan bunga dan pokok kredit.
Contohnya, suku bunga diturunkan Di 10% menjadi 9%.
Tunggakan bunga juga Bisa Jadi bisa dihapus Supaya tersisa pokoknya saja.
Tidak hanya dilakukan secara terpisah, Anda bisa juga mengombinasikan semua cara Di atas lewat Perundingan Bersama Detail Bersama pihak bank.
Tentu saja, bank Berencana menilai kemampuan bayar Anda Sebelumnya memberi keringanan.
Jika bank menilai Anda sulit Di memenuhi janji, maka permohonan keringanan kemungkinan besar Berencana ditolak.
Di Di itu, Bisa Jadi cara terbaik yang bisa ditempuh adalah menjual Tempattinggal sendiri alias over kredit Tempattinggal Sebelumnya disita bank.
Nah, itulah berbagai konsekuensi yang Berencana diterima jika telat bayar KPR.
Punya pertanyaan lain seputar properti? Yuk, diskusikan Di Teras123!
Semoga ulasan Di atas bermanfaat, ya.
Artikel ini disadur –> rumah123.com Indonesia: Catat, Ini Konsekuensi Telat Bayar KPR yang Wajib Diketahui!
