Debt Burden Ratio Adalah: Pengertian dan Cara Menyiasatinya

Debt Burden Ratio (DBR) adalah perhitungan rasio kemampuan debitur Untuk melunasi utang Di bank atau lembaga keuangan resmi penyedia layanan kredit.

Debt burden ratio adalah hal yang patut dipahami Dari Anda, jika berencana mengajukan Kredit Pemilikan Rumah (KPR).

Pasalnya. rasio perhitungan ini Akansegera dijadikan indikator Dari bank Untuk Merasakan atau menolak pengajuan KPR Anda.

Untuk memahami lebih Untuk mengenai pengertian dan cara perhitungan DBR, simak ulasan lengkapnya Di bawah ini.

Apa Itu Debt Burden Ratio?

Seperti namanya, debt burden ratio adalah rasio perbandingan Ditengah beban utang atau jumlah kredit Didalam penghasilan bersih Kandidat debitur.

Tujuan Didalam perhitungan debt burden ratio adalah mengecek tingkat risiko serta kemampuan Kandidat debitur, Untuk melunasi kredit yang diajukan hingga berakhirnya tenor pinjaman.

Hal tersebut dilakukan bank sebagai upaya Untuk mencegah terjadinya kredit macet atau gagal bayar.

Di prosesnya, bank Akansegera menghitung seluruh utang dan membandingkannya Didalam jumlah penghasilan debitur.

Artinya, jika Anda hendak mengajukan KPR, tetapi masih ada beban cicilan lain seperti kartu kredit, paylater dan lain-lain, maka komponen-komponen utang tersebut Akansegera dihitung seluruhnya.

Hasil Didalam perhitungan itu Akansegera memengaruhi besaran plafon kredit yang diberikan beserta kisaran cicilan per bulannya.

Apabila Didalam hasil perhitungan Menunjukkan bahwa rasio DBR Anda rendah, maka besar kemungkinan pengajuan kredit tersebut disetujui Dari bank.

Akan Tetapi, bila rasio DBR Menunjukkan hasil Sebagai Alternatif, maka hampir bisa dipastikan pengajuan kredit Akansegera ditolak bank.

Biasanya, tahapan perhitungan DBR dilakukan bersamaan Didalam Bankindonesia checking, tetapi kedua istilah tersebut merupakan dua proses yang berbeda.

Bankindonesia checking adalah pengecekan riwayat kredit Di Sistem Informasi Debitur Bank Indonesia.

Sama halnya Didalam DBR, hasil cek Bankindonesia checking juga Akansegera menentukan status pengajuan kredit diterima atau tidak.

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Cara Menghitung Debt Burden Ratio

Secara keseluruhan, proses perhitungan DBR dilakukan Dari pihak bank atau lembaga keuangan penyedia layanan kredit.

Meski begitu, tidak ada salahnya Untuk Anda Untuk mengetahui cara perhitungan DBR, agar bisa melakukan simulasi Sebelumnya mengajukan kredit Di bank.

Adapun cara menghitung DBR, bisa menggunakan rumus berikut ini:

DBR = (total cicilan hutang per bulan / pendapatan bersih per bulan) x 100%

Agar lebih memahami cara menghitungnya, simak contoh Tindak Kejahatan Di bawah ini:

Iwan hendak membeli hunian lewat skema KPR Di Alera Park seharga Rp1 miliar Didalam uang muka Rp300 juta.

Bank Sesudah Itu menawarkan suku bunga sebesar 7,5% fixed 5 tahun dan floating 12%, Didalam tenor pinjaman 20 tahun.

Diketahui pendapatan bersih Iwan per bulan adalah Rp25 juta, Didalam tanggungan cicilan Kendaraan Pribadi sebesar Rp4 juta dan kartu kredit sebesar Rp2 juta.

Maka, cara menghitung persentase DBR Iwan adalah sebagai berikut:

Rp4.000.000 + Rp2.000.000 (total cicilan hutang per bulan) : Rp25.000.000 (penghasilan per bulan) X 100%= 25%.

Mengacu Di perhitungan Di atas, apabila bank tempat Iwan mengajukan KPR menentukan persentase DBR Di angka 50%, besar kemungkinan pengajuan kredit tersebut Akansegera diterima.

Pasalnya, Iwan masih Memiliki porsi sebesar 25% Didalam penghasilannya Untuk cicilan KPR.

Adapun kisaran maksimal cicilan KPR per bulan yang harus dibayarkan Iwan adalah Rp5.639.152 Di masa fixed, serta Rp7.300.799 Di masa floating.

Agar lebih mudah melakukan simulasi persentase DBR, Anda dapat memanfaatkan fitur Cek Kelayakan KPR Rumah123.

Lewat fitur tersebut, Anda dapat mengetahui kelayakan Perbankan pribadi Untuk membeli Rumah.

Cara Menyiasati DBR agar KPR Disetujui

Lantas, adakah cara Untuk menyiasati agar persentase DBR dinyatakan layak dan pengajuan KPR diterima? Tentu saja ada, Anda bisa simak sejumlah triknya Di bawah ini.

1. Lunasi Semua Utang yang Tersisa

Cara pertama Untuk menyiasati DBR adalah melunasi semua utang Sebelumnya mengajukan kredit Rumah.

Hal ini penting Untuk Mengurangi persentase DBR, agar pengajuan KPR Anda bisa diterima.

Setiap bank menetapkan batas maksimal persentase DBR yang berbeda, kisarannya mulai Didalam 30-50%.

Apabila jumlah utang Sebelumnya Itu masih terlalu besar, setidaknya Anda bisa melunasi sebagian Didalam utang tersebut.

2. Pilih Rumah Didalam Harga Sesuai Kemampuan

Cara lainnya bisa Didalam membeli Rumah Didalam harga yang sesuai penghasilan.

Misalnya Anda adalah karyawan swasta Didalam penghasilan per bulan Rp10 juta, yang telah menyiapkan uang muka pembelian Rumah sebesar Rp60 juta.

Jika demikian, Rumah yang ideal Untuk Anda adalah hunian Didalam harga jual Rp350 juta-an.

Cara paling mudah mengetahui kisaran harga Rumah yang sesuai Didalam kemampuan adalah memanfaatkan fitur Simulasi Kemampuan KPR Rumah123.

3. Perbesar Nominal Uang Muka

Terakhir, Anda bisa memperbesar nominal uang muka pembelian Rumah.

Minimal uang muka pembelian Rumah KPR rata-rata dipatok sebesar 30% Didalam total harga jual Rumah.

Nah, Untuk menyiasati perhitungan DBR, Anda dapat menyiapkan uang muka lebih besar Didalam batas minimal yang ditentukan bank, misal 50% Didalam harga Rumah.

Lebihterus besar uang muka yang disiapkan, maka Lebihterus kecil cicilan per bulan yang Akansegera dibebankan kepada Anda.

Simulasi KPR

Hitung pembiayaan kredit Rumah Didalam bunga KPR terbaik Di Rumah123

Angsuran/bulan mulai Didalam

Memuat hasil simulasi…

Tahun Di-4 dan seterusnya

Estimasi Bunga 12%

Rp. 2.407.099

Tanya KPR

Itulah ulasan mengenai debt burden ratio alias DBR yang penting Untuk dipahami.

Untuk agen atau developer yang hendak memasarkan propertinya Di Rumah123, silakan kunjungi laman berikut ini, ya.

Punya pertanyaan seputar properti? Yuk, Tanya Rumah123 Di sini!

Semoga bermanfaat.