{"id":3599,"date":"2024-05-28T18:00:17","date_gmt":"2024-05-28T11:00:17","guid":{"rendered":"http:\/\/34.101.166.12\/blog\/?p=3599"},"modified":"2025-10-30T18:56:11","modified_gmt":"2025-10-30T11:56:11","slug":"mengenal-kpr-bni","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/kpr\/mengenal-kpr-bni\/","title":{"rendered":"Mengenal KPR BNI 2024: Syarat, Jenis, dan Besaran Biayanya"},"content":{"rendered":"<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Layanan KPR BNI bisa menjadi pilihan bagi calon pembeli properti. Simak informasi selengkapnya dalam artikel ini.<\/span><\/p>\n<p style=\"text-align: left;\"><!--more--><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Beli rumah baru atau second dengan cara KPR (Kredit Pemilikan Rumah) adalah salah satu solusi pembiayaan bagi masyarakat dengan dana tunai yang terbatas.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Salah satu bank BUMN yang menyediakan fasilitas KPR adalah PT Bank Negara Indonesia (BNI), yang memberikan berbagai opsi dan keuntungan bagi nasabahnya.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nah, sebelum mengajukan KPR di BNI yuk baca dulu sekilas informasinya di bawah ini.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Blog SkorLife<\/span><span style=\"font-weight: 400;\"> telah merangkumnya dari berbagai sumber.\u00a0<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Syarat dan Ketentuan KPR BNI Terbaru<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Pada saat kamu ingin mengajukan KPR di Bank Negara Indonesia, ada sejumlah syarat yang harus dipenuhi. Berikut ini penjelasannya:<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>1. Syarat Umum Pengajuan KPR BNI<\/b><\/h3>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seorang Warga Negara Indonesia (WNI).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Usia minimal 21 tahun saat melakukan pengajuan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Usia maksimum 55 tahun untuk karyawan dan 65 tahun untuk seorang profesional dan pengusaha.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bukan seorang <\/span><i><span style=\"font-weight: 400;\">freelancer<\/span><\/i><span style=\"font-weight: 400;\">, pengusaha kos atau kebun.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: left;\"><b>2. Syarat Dokumen untuk Karyawan<\/b><\/h3>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan KTP (Kartu Tanda Penduduk).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan KTP pasangan (bagi pihak yang menikah).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan Kartu Keluarga (KK).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan Surat Nikah (bagi yang sudah menikah).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan NPWP (Nomor Pokok Wajib Pajak) \/ SPT (Surat Pemberitahuan Tahunan) PPh (Pajak Penghasilan) 21.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pas Foto dengan ukuran 4 x 6.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan rekening gaji 3 bulan terakhir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan Surat Keterangan Kerja.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan slip gaji.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan dokumen jaminan contohnya seperti Sertifikat, IMB (Izin Mendirikan Bangunan), Bukti Lunas PBB (Pajak Bumi dan Bangunan) di tahun terakhir.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: left;\"><b>3. Syarat Dokumen untuk Profesional<\/b><\/h3>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan KTP.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan KTP pasangan (bagi yang sudah menikah).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan Kartu Keluarga.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan Surat Nikah (jika sudah menikah).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan NPWP \/ SPT PPh 21.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pas Foto dengan ukuran 4\u00d76.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan rekening koran 6 bulan terakhir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan Izin Praktek Profesi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan dokumen jaminan seperti Sertifikat, IMB dan Bukti Lunas PBB tahun terakhir.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: left;\"><b>4. Syarat Dokumen Pengajuan KPR untuk Wiraswasta<\/b><\/h3>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan KTP\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan KTP pasangan (apabila sudah menikah).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan Kartu Keluarga.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan Surat Nikah (jika sudah menikah).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan NPWP \/ SPT PPh 21.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pas Foto dengan ukuran 4 x 6.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan rekening koran 6 bulan terakhir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan tanda Legalitas Usaha \/ Surat Ijin Usaha \/ Surat. Keterangan Usaha (Akta Pendirian) \/ AD-ART (Anggaran Dasar\/Anggaran Rumah Tangga), SIUP (Surat Izin Usaha Perdagangan), NPWP, SITU (Surat Izin Tempat Usaha) \/ SKDU (Surat Keterangan Domisili Usaha) &amp; TDP(Tanda Daftar Perusahaan).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Perusahaan dari Pemerintah Daerah Setempat.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan Laporan Keuangan dalam jangka waktu 2 Tahun Terakhir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan salinan dokumen jaminan Sertifikat, IMB dan Bukti Lunas PBB tahun terakhir.<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_3601\" class=\"wp-caption alignnone\" ><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-3601 size-full\" src=\"http:\/\/34.101.166.12\/blog\/wp-content\/uploads\/2024\/05\/promo-KPR-BNI.jpg\" alt=\"promo KPR BNI\" width=\"887\" height=\"509\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/05\/promo-KPR-BNI.jpg 887w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/05\/promo-KPR-BNI-300x172.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/05\/promo-KPR-BNI-768x441.jpg 768w\" sizes=\"auto, (max-width: 887px) 100vw, 887px\" \/><figcaption class=\"wp-caption-text\">Foto: Bni.co.id<\/figcaption><\/figure>\n<h2 style=\"text-align: left;\"><b>Jenis KPR BNI<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Mengutip dari berbagai sumber, berikut ini sejumlah produk kredit pembiayaan rumah yang dimiliki oleh Bank Negara Indonesia.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>1. Kredit Pemilikan Rumah BNI<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bila kamu tengah berencana membeli rumah, maka bisa menggunakan fasilitas pembiayaan melalui Griya BNI.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Berdasarkan laman resmi Bni.co.id, apa itu kredit Griya BNI adalah fasilitas pembiayaan yang digunakan untuk pembelian, pembangunan atau renovasi, <\/span><i><span style=\"font-weight: 400;\">top up, refinancing,<\/span><\/i><span style=\"font-weight: 400;\"> atau <\/span><i><span style=\"font-weight: 400;\">take over<\/span><\/i><span style=\"font-weight: 400;\"> properti.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Jenis pembiayaan kredit ini memiliki tenor maksimal 30 tahun dan bisa melakukan pengajuan KPR BNI secara <\/span><i><span style=\"font-weight: 400;\">online<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kelebihan lainnya dari BNI Griya, yakni kemudahan pencarian properti melalui mitra <\/span><i><span style=\"font-weight: 400;\">developer<\/span><\/i><span style=\"font-weight: 400;\"> di <\/span><i><span style=\"font-weight: 400;\">website<\/span><\/i><span style=\"font-weight: 400;\"> bnidigigriya.id.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Lalu, berapa bunga KPR BNI Griya?<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nasabah bisa menikmati suku bunga berjenjang sebesar 8,75% dengan <\/span><i><span style=\"font-weight: 400;\">fixed rate<\/span><\/i><span style=\"font-weight: 400;\"> 10 tahun.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Ada pula jenis bunga <\/span><i><span style=\"font-weight: 400;\">fixed<\/span><\/i><span style=\"font-weight: 400;\"> hingga lunas selama 10 tahun dengan besaran 9,75%.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>2. Griya Subsidi<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Jenis KPR Griya Subsidi merupakan Fasilitas Likuiditas Pembiayaan Perumahan (FLPP) untuk masyarakat berpenghasilan rendah (MBR) dengan beragam kemudahan.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Dikutip dari laman resmi BNI, fasilitas pembiayaan ini mendapatkan dukungan subsidi dari pemerintah melalui Kementerian PUPR (Pekerjaan Umum dan Perumahan Rakyat) dan dikelola oleh BP Tapera (Tabungan Perumahan Rakyat).<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Adapun suku bunga KPR BNI subsidi sebesar 5% flat selama jangka waktu pembiayaan.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>3. Kredit Renovasi dan Konstruksi<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">BNI juga melayani KPR untuk renovasi dan konstruksi, baik itu rumah, apartemen ataupun ruko dengan maksimal tenor 15 tahun.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sistem pencairan kredit ini dilakukan secara bertahap.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>4. <\/b><b><i>Take Over<\/i><\/b><b> Jual Beli (TOJB)<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Apakah KPR bisa di<\/span><i><span style=\"font-weight: 400;\">-take over<\/span><\/i><span style=\"font-weight: 400;\">?<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nasabah BNI bisa melakukan take over atas pinjaman kredit pemilikan rumah yang belum lunas melalui jual beli.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Untuk kamu yang masih awam, <\/span><i><span style=\"font-weight: 400;\">take over<\/span><\/i><span style=\"font-weight: 400;\"> jual beli adalah pengalihan KPR kepada pihak pembeli yang lain.<\/span><\/p>\n<p style=\"text-align: left;\"><i><span style=\"font-weight: 400;\">Take over<\/span><\/i><span style=\"font-weight: 400;\"> KPR BNI dapat dilakukan dari <\/span><i><span style=\"font-weight: 400;\">leasing<\/span><\/i><span style=\"font-weight: 400;\"> ke perorangan dengan maksimal tenor 20 tahun.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>5. Take Over KPR BNI Murni dan Top Up + Take Over<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Dengan jenis kredit pemilikan rumah ini memungkinkan adanya pemindahan KPR dari bank lain ke bank BNI dengan maksimal tenor 20 tahun.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Syaratnya yakni durasi KPR itu sudah berjalan minimal 1 tahun.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>6. Top Up KPR BNI<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Di antara kamu mungkin ada yang bertanya, apakah KPR BNI bisa di-<\/span><i><span style=\"font-weight: 400;\">top up<\/span><\/i><span style=\"font-weight: 400;\">?<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Melalui program BNI Griya, nasabah <\/span><i><span style=\"font-weight: 400;\">existing<\/span><\/i><span style=\"font-weight: 400;\"> yang sudah berjalan 1 tahun dapat menambah fitur kredit dengan maksimum tenor 20 tahun.<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Biaya KPR BNI<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sudah tahu belum apa saja biaya KPR bank?<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Biasanya biaya pembiayaan kredit rumah terdiri dari beberapa poin. Laman situs jual beli properti Rumah123.com menginformasikan bahwa biaya KPR mencangkup:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Biaya provisi 1 persen dari jumlah pinjaman yang disetujui.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Biaya <\/span><i><span style=\"font-weight: 400;\">appraisal<\/span><\/i><span style=\"font-weight: 400;\"> dan notaris (ditentukan kemudian).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Biaya administrasi mulai Rp750 ribu hingga Rp2 juta.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Biaya asuransi jiwa dan kebakaran (sesuai ketentuan rekanan).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Biaya keterlambatan pembayaran 0,2 persen dari cicilan bulanan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Biaya pelunasan dipercepat sebesar 2 persen dari sisa pokok pinjaman jika dilakukan selama masa <\/span><i><span style=\"font-weight: 400;\">fixed rate<\/span><\/i><span style=\"font-weight: 400;\">. Atau, 2,5 persen dari sisa pokok pinjaman setelah masa <\/span><i><span style=\"font-weight: 400;\">fixed rate<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Demikianlah informasi terkait Kredit Pemilikan Rumah (KPR) di BNI, dari syarat, jenis dan biayanya.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Semoga artikel ini bermanfaat untuk kamu, ya!<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Setelah membaca ulasan di atas, mungkin kamu tertarik\u00a0 berinvestasi properti. Intip sejumlah rekomendasi rumah di Malang, Jawa Timur.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Mau tahu mengenai perkembangan dunia investasi serta berita finansial terkini lainnya, cek selalu di <\/span><span style=\"font-weight: 400;\">blog SkorLife<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bagi kamu yang berencana ingin membeli ruko dengan cicilan ke bank, cek dulu skor kreditnya pada <\/span><a href=\"https:\/\/skorlife.com\/id\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">aplikasi SkorLife <\/span><\/a><span style=\"font-weight: 400;\">melalui <\/span><i><span style=\"font-weight: 400;\">smartphone<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><a href=\"https:\/\/skorlife.go.link\/8IqIg?utm_source=skorlife_blog&amp;utm_medium=banner&amp;utm_campaign=cta_skorlife\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-7558\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-1024x512.jpg\" alt=\"\" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-1024x512.jpg 1024w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-768x384.jpg 768w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-1536x768.jpg 1536w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-2048x1024.jpg 2048w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Layanan KPR BNI bisa menjadi pilihan bagi calon pembeli properti. Simak informasi selengkapnya dalam artikel ini.<\/p>\n","protected":false},"author":15,"featured_media":3602,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13],"tags":[108],"class_list":["post-3599","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kpr","tag-properti"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mengenal KPR BNI 2024: Syarat, Jenis, dan Besaran Biayanya<\/title>\n<meta name=\"description\" content=\"Layanan KPR BNI bisa menjadi pilihan bagi calon pembeli properti. 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