Every Day is A New Day: Pengertian KPR

Saturday, April 24, 2010

Pengertian KPR

Kredit Pemilikan Rumah adalah suatu fasilitas kredit yang diberikan oleh perbankan kepada para nasabah perorangan yang akan membeli atau memperbaiki rumah.

Di Indonesia, saat ini dikenal ada 2 jenis KPR:

1. KPR Subsidi, yaitu suatu kredit yang diperuntukan kepada masyarakat berpenghasilan menengah ke bawah dalam rangka memenuhi kebutuhan perumahan atau perbaikan rumah

yang telah dimiliki.

Bentuk subsidi yang diberikan berupa : Subsidi meringankan kredit dan subsidi menambah dana

pembangunan atau perbaikan rumah.

Kredit subsidi ini diatur tersendiri oleh Pemerintah, sehingga tidak setiap masyarakat yang mengajukan kredit dapat diberikan fasilitas ini.

Secara umum batasan yang ditetapkan oleh Pemerintah dalam memberikan subsidi adalah

penghasilan pemohon dan maksimum kredit yang diberikan.

2. KPR Non Subsidi, yaitu suatu KPR yang diperuntukan bagi seluruh masyarakat.

Ketentuan KPR ditetapkan oleh bank, sehingga penentuan besarnya kredit maupun suku bunga

dilakukan sesuai kebijakan bank yang bersangkutan.

Sumber :

http://www.bi.go.id/NR/rdonlyres/B7E418EC-FE5B-49F3-95DC-0F9980F76942/1481/MemahamiBungaKredit.pdf

http://www.bi.go.id/NR/rdonlyres/48E94639-BE6B-4AE5-87BD-6E796F847705/1479/MemilikiRumahSendiridenganKPR.pdf

371 komentar:

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