{"id":3903,"date":"2024-06-17T12:00:21","date_gmt":"2024-06-17T05:00:21","guid":{"rendered":"http:\/\/34.101.166.12\/blog\/?p=3903"},"modified":"2025-10-31T11:11:14","modified_gmt":"2025-10-31T04:11:14","slug":"kredit-mobil-tanpa-dp","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/kkb\/kredit-mobil-tanpa-dp\/","title":{"rendered":"Kredit Mobil Tanpa DP Apakah Bisa? Simak Ulasannya"},"content":{"rendered":"<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Di antara kamu mungkin ada yang bertanya-tanya apakah bisa kredit mobil tanpa DP <\/span><i><span style=\"font-weight: 400;\">(down payment) <\/span><\/i><span style=\"font-weight: 400;\">atau uang muka? Baca yuk informasi selengkapnya di sini.<\/span><\/p>\n<p style=\"text-align: left;\"><!--more--><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Ketika mengajukan pembiayaan untuk kepemilikan kendaraan bermotor, calon debitur diharuskan untuk melengkapi persyaratan dan juga membayar uang muka.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Apakah DP mempengaruhi cicilan mobil?<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Besaran DP akan berdampak pada jumlah cicilan, bunga kredit, tenor, dan riwayat kredit debitur.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">DP mobil baru minimal berapa? Umumnya, pihak <\/span><i><span style=\"font-weight: 400;\">leasing<\/span><\/i><span style=\"font-weight: 400;\"> atau bank menetapkan uang muka atau <\/span><i><span style=\"font-weight: 400;\">down payment <\/span><\/i><span style=\"font-weight: 400;\">antara 20% hingga 30% dari harga total mobil.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Namun, tidak jarang nilai uang muka yang besar kerap menjadi hambatan bagi calon debitur dengan dana terbatas.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Oleh karena itu, banyak masyarakat mencari fasilitas pembiayaan kredit mobil tanpa DP yang ditawarkan sejumlah bank, seperti BCA, Mandiri, dan BRI.\u00a0\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Blog SkorLife<\/span><span style=\"font-weight: 400;\"> telah merangkum dari berbagai sumber untuk membahasnya lebih lanjut.\u00a0<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Pedoman Kredit Mobil Tanpa DP<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Memang bisa kredit mobil tanpa uang muka?<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Hal ini sudah diatur berdasarkan Peraturan OJK (Otoritas Jasa Keuangan) (POJK) Nomor 35\/POJK.05\/2018 tentang Uang Muka Pembiayaan Kendaraan Bermotor.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Ternyata, masyarakat bisa mengajukan kredit mobil tanpa DP melalui perusahaan pembiayaan (<\/span><i><span style=\"font-weight: 400;\">leasing<\/span><\/i><span style=\"font-weight: 400;\">) atau bank.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kredit tanpa uang muka bisa diberikan oleh perusahaan pembiayaan dengan tingkat kesehatan keuangan yang mempunyai nilai rasio<\/span><i><span style=\"font-weight: 400;\"> Non Performing Financing <\/span><\/i><span style=\"font-weight: 400;\">(NPF) neto lebih rendah atau sama dengan 1%.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Adapun ketentuannya sebagai berikut:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Untuk kredit motor paling rendah 0% dari harga jual kendaraan yang bersangkutan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kendaraan bermotor roda empat atau lebih yang digunakan untuk investasi, paling rendah 0% dari harga jual kendaraan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bagi kendaraan bermotor roda empat atau lebih yang digunakan untuk pembiayaan multiguna, paling rendah 0% dari harga jual kendaraan.<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_3932\" class=\"wp-caption alignnone\" ><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-3932 size-full\" src=\"http:\/\/34.101.166.12\/blog\/wp-content\/uploads\/2024\/06\/Kredit-Mobil-Tanpa-DP.jpg\" alt=\"Kredit Mobil Tanpa DP\" width=\"810\" height=\"509\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/Kredit-Mobil-Tanpa-DP.jpg 810w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/Kredit-Mobil-Tanpa-DP-300x189.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/Kredit-Mobil-Tanpa-DP-768x483.jpg 768w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><figcaption class=\"wp-caption-text\">Foto: Toyota.astra.co.id<\/figcaption><\/figure>\n<h2 style=\"text-align: left;\"><b>Keuntungan dan Kerugian Kredit Mobil Tanpa DP<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Melansir dari laman Ocbc.id, ada plus dan minus bila\u00a0 debitur memutuskan untuk mengajukan kredit tanpa uang muka.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>1. Keuntungan<\/b><\/h3>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lebih cepat dapat mobil baru tanpa harus menabung uang muka atau <\/span><i><span style=\"font-weight: 400;\">down payment<\/span><\/i><span style=\"font-weight: 400;\"> terlebih dahulu.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dengan kredit mobil baru atau bekas tanpa DP, kamu akan berfokus pada angsuran sehingga lebih mudah mengatur anggaran bulanan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dana uang muka mobil bisa dialokasikan untuk keperluan yang lain.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: left;\"><b>2. Kekurangan<\/b><\/h3>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Salah satu kekurangan kredit mobil tanpa DP adalah berdampak pada nilai cicilan atau angsuran yang lebih tinggi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risiko terkena depresiasi mobil, artinya\u00a0 kamu bisa saja akan memiliki tanggung jawab hutang yang lebih besar dari nilai mobil di pasaran.<\/span><\/li>\n<\/ul>\n<h2 style=\"text-align: left;\"><b>Tips Kredit Mobil Tanpa Uang Muka<\/b><\/h2>\n<h3 style=\"text-align: left;\"><b>1. Menyiapkan dan Melengkapi Persyaratan<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Langkah pertama yang harus kamu lakukan, yakni menyiapkan dan melengkapi syarat pengajuan kredit mobil.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sudah tahu belum apa saja persyaratan untuk kredit mobil?<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Saat pengajuan kredit mobil, kamu diharuskan melampirkan dokumen data diri, seperti KTP (Kartu Tanda Penduduk), NPWP (Nomor Pokok Wajib Pajak), slip gaji, rekening koran, dan bukti kepemilikan tempat tinggal.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Pastikan dokumen-dokumen tersebut lengkap dan sesuai dengan alamat domisili agar pengajuan kredit mobil di ACC oleh pihak <\/span><i><span style=\"font-weight: 400;\">leasing<\/span><\/i><span style=\"font-weight: 400;\"> ataupun bank.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Salah satu alasan ditolak <\/span><i><span style=\"font-weight: 400;\">leasing<\/span><\/i><span style=\"font-weight: 400;\"> ketika mengajukan kredit mobil lantaran dokumen data diri yang tidak lengkap.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>2. Perbaiki Catatan Kredit<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Catatan atau skor kredit yang baik merupakan faktor penting saat kamu mengajukan kredit pembiayaan kendaraan bermotor.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bila kamu memiliki riwayat kredit yang kurang baik, usahakan untuk memperbaikinya dengan membayar semua tunggakan agar pengajuan kredit mobil disetujui oleh <\/span><i><span style=\"font-weight: 400;\">leasing<\/span><\/i><span style=\"font-weight: 400;\"> atau bank.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Adapun ciri-ciri pengajuan kredit mobil di ACC adalah kamu akan mendapat pemberitahuan resmi dari <\/span><i><span style=\"font-weight: 400;\">leasing<\/span><\/i><span style=\"font-weight: 400;\"> atau bank 3\u20137 hari setelah menyerahkan dokumen persyaratan.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nah, demikianlah penjelasan kredit mobil tanpa DP atau uang muka yang perlu kamu ketahui.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Semoga artikel ini bisa menjadi panduan bagi kamu, ya!<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kalau kamu berencana melakukan over kredit kendaraan bermotor, simak contoh surat perjanjian over kredit mobil.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Jangan lupa baca artikel lainnya bila ingin mendapatkan <\/span><i><span style=\"font-weight: 400;\">insight<\/span><\/i><span style=\"font-weight: 400;\"> mengenai investasi properti hingga perencanaan keuangan hanya 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 membeli mobil baru ataupun <\/span><i><span style=\"font-weight: 400;\">second<\/span><\/i><span style=\"font-weight: 400;\">, yuk cek dulu skor kreditnya di <\/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;\">yang tersedia di <\/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-7559\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-1024x512.jpg\" alt=\"\" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-1024x512.jpg 1024w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-768x384.jpg 768w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-1536x768.jpg 1536w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-2048x1024.jpg 2048w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Di antara kamu mungkin ada yang bertanya-tanya apakah bisa kredit mobil tanpa DP (down payment) atau uang muka? Baca yuk<\/p>\n","protected":false},"author":15,"featured_media":3931,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14],"tags":[57],"class_list":["post-3903","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kkb","tag-kredit-mobil"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kredit Mobil Tanpa DP Apakah Bisa?<\/title>\n<meta name=\"description\" content=\"Di antara kamu mungkin ada yang bertanya-tanya apakah bisa kredit mobil tanpa DP (down payment) atau uang muka?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skorlife.com\/blog\/kkb\/kredit-mobil-tanpa-dp\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredit Mobil Tanpa DP Apakah Bisa?\" \/>\n<meta property=\"og:description\" content=\"Di antara kamu mungkin ada yang bertanya-tanya apakah bisa kredit mobil tanpa DP (down payment) atau uang muka?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skorlife.com\/blog\/kkb\/kredit-mobil-tanpa-dp\/\" \/>\n<meta property=\"og:site_name\" content=\"Skorlife\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/skorlife\" \/>\n<meta property=\"article:published_time\" content=\"2024-06-17T05:00:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-31T04:11:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/DP-mobil-baru-minimal-berapa.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"810\" \/>\n\t<meta property=\"og:image:height\" content=\"510\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Skor\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@SkorLifeID\" \/>\n<meta name=\"twitter:site\" content=\"@SkorLifeID\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Skor\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/skorlife.com\/blog\/kkb\/kredit-mobil-tanpa-dp\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/skorlife.com\/blog\/kkb\/kredit-mobil-tanpa-dp\/\"},\"author\":{\"name\":\"Skor\",\"@id\":\"https:\/\/skorlife.com\/blog\/#\/schema\/person\/f7c8cd1df09e2a582e33f814c76bdccd\"},\"headline\":\"Kredit Mobil Tanpa DP Apakah Bisa? 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