{"id":3987,"date":"2024-06-26T21:00:11","date_gmt":"2024-06-26T14:00:11","guid":{"rendered":"https:\/\/skorlife.com\/blog\/?p=3987"},"modified":"2025-10-20T14:19:18","modified_gmt":"2025-10-20T07:19:18","slug":"ciri-ciri-kpr-ditolak-bank","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/kpr\/ciri-ciri-kpr-ditolak-bank\/","title":{"rendered":"Kenali 6 Ciri-ciri KPR Ditolak Bank. Cari Tahu Penyebabnya"},"content":{"rendered":"<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Proses pengajuan Kredit Pemilikan Rumah (KPR) ada kalanya tidak di-acc oleh bank. Berikut ini ciri-ciri KPR ditolak bank dan berbagai penyebabnya.<\/span><\/p>\n<p style=\"text-align: left;\"><!--more--><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sistem kredit rumah atau KPR menjadi solusi bagi sebagian masyarakat yang ingin beli hunian impian, tetapi hanya punya dana untuk membayar uang muka saja.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Misalnya kamu baru saja menemukan rekomendasi <a href=\"https:\/\/skorlife.com\/blog\/gaya-hidup\/rekomendasi-rumah-di-surabaya\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">hunian tapak terbaik di Surabaya<\/a>, Jawa Timur dan ingin segera memilikinya.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Namun, seringkali setelah kamu mengajukan KPR di bank, terjadi penolakan atau tidak diterima. Kamu harus mengetahui hal ini sebagai tindakan pencegahan.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Dalam artikel ini, <\/span><a href=\"https:\/\/skorlife.com\/blog\/\" data-wpel-link=\"internal\"><span style=\"font-weight: 400;\">blog SkorLife<\/span><\/a><span style=\"font-weight: 400;\"> akan membahas alasan mengapa pengajuan KPR kamu tidak diterima oleh bank.<\/span><\/p>\n<figure id=\"attachment_4024\" class=\"wp-caption alignnone\" ><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4024 size-full\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/Pemberitahuan-KPR-ditolak.jpg\" alt=\"Pemberitahuan KPR ditolak\" width=\"810\" height=\"510\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/Pemberitahuan-KPR-ditolak.jpg 810w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/Pemberitahuan-KPR-ditolak-300x189.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/Pemberitahuan-KPR-ditolak-768x484.jpg 768w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><figcaption class=\"wp-caption-text\">Foto: Metlandcibitung.co.id<\/figcaption><\/figure>\n<h2 style=\"text-align: left;\"><b>Ciri-ciri KPR Ditolak Bank<\/b><\/h2>\n<h3 style=\"text-align: left;\"><b>1. Dokumen Persyaratan Tidak Lengkap<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Untuk kamu yang saat ini sedang menunggu kabar pengajuan kredit rumah dari bank pastinya penasaran apa saja penyebab KPR ditolak.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nah, salah satu alasan terbesar mengapa pengajuan KPR tidak di-acc yakni lantaran dokumen persyaratan yang tidak lengkap.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sebab, syarat mengajukan KPR adalah melampirkan dokumen dan data diri seperti, fotokopi KTP (Kartu Tanda Penduduk), fotokopi NPWP (Nomor Pokok Wajib Pajak), slip gaji, bukti pembayaran tagihan, dan lain sebagainya.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>2. Riwayat Kredit Buruk<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Dari sejumlah pengalaman nasabah yang KPR ditolak bank juga terjadi lantaran memiliki riwayat kredit yang buruk.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bisa saja, seorang calon debitur terindikasi pernah menunggak cicilan kendaraan bermotor, <\/span><i><span style=\"font-weight: 400;\">paylater<\/span><\/i><span style=\"font-weight: 400;\">, atau kredit barang konsumtif lainnya.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Pihak bank akan mengecek riwayat kredit calon debitur melalui Sistem Layanan Informasi Keuangan atau SLIK dari OJK (Otoritas Jasa Keuangan).<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sistem ini merupakan pengganti dari BI <\/span><i><span style=\"font-weight: 400;\">checking<\/span><\/i><span style=\"font-weight: 400;\"> yang sudah tidak berlaku lagi. Kamu harus tahu mengenai hal ini\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bila berdasarkan data SLIK OJK nasabah dinyatakan lolos, maka bisa jadi hal ini pertanda ciri-ciri KPR disetujui bank.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Lalu, apakah nasabah bisa mengajukan KPR jika masih punya pinjaman di bank?<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Melansir dari Rumah123.com, nasabah bisa saja mengajukan KPR meskipun masih memiliki cicilan utang ke bank.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Asalkan, selama dia mengikuti syarat dan ketentuan yang ditetapkan oleh bank. Tidak ketinggalan, rasio antara utang dengan pendapatan masih baik.\u00a0<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>3. Melebihi Batas Usia<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Biasanya pihak perbankan menetapkan syarat mengajukan pembiayaan Kredit Pemilikan Rumah atau KPR adalah minimal usia 21 tahun \/ sudah menikah.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kalau kamu mengajukan KPR pada usia yang tidak produktif, misalnya telah berusia 45 tahun dengan tenor 20 tahun, maka pihak bank kemungkinan akan menolak pengajuan kredit rumah tersebut.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Hal ini berkaitan dengan kemampuan kamu dalam melunasi pinjaman kredit rumah.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>4. Kemampuan Mencicil<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Ciri-ciri KPR ditolak selanjutnya terjadi lantaran pihak bank menilai kamu tidak memiliki kemampuan mencicil angsuran rumah.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Pihak bank biasanya akan melakukan wawancara terkait pengajuan KPR via telepon dan memastikan kembali perihal kelengkapan dokumen serta syarat yang harus dipenuhi.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nah, bisa saja setelah tahapan ini bank merasa ragu akan kemampuan kamu mencicil angsurannya kelak.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>5. Kondisi Rumah Tidak Memenuhi Syarat<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bank akan memproses KPR saat pembelian rumah disertai dengan sertifikat yang sah terutama untuk rumah <\/span><i><span style=\"font-weight: 400;\">second<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Oleh karena itu, periksalah status dan legalitas dokumen rumah yang ingin kamu agar menghindari KPR ditolak bank<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Jangan sampai ada masalah surat kepemilikan ganda ataupun terganjal ahli waris yang tidak setuju rumah yang akan dijual.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>6. Masuk Daftar Hitam<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Surat Penegasan Persetujuan Penyediaan Kredit atau SP3K ditolak bisa saja terjadi lantaran nama kamu masuk dalam daftar hitam.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kondisi ini terkait kelalaian kamu membayar cicilan kredit sehingga mengakibatkan gagal bayar atau kredit macet.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Seperti disebutkan di awal, pihak bank akan mengecek riwayat kredit kamu melalui SLIK OJK. Pastikan kamu tidak masuk ke dalam daftar hitam.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nah, demikianlah beberapa ciri-ciri pengajuan KPR kamu ditolak oleh pihak bank.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sebelumnya, ada artikel yang membahas sejumlah <a href=\"https:\/\/skorlife.com\/blog\/kpr\/ciri-ciri-kpr-disetujui-oleh-bank\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">ciri-ciri KPR disetujui bank<\/a>, pastinya harus kamu ketahui.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Setelah membaca panduan di atas, mungkin kamu tertarik untuk rekomendasi <a href=\"https:\/\/skorlife.com\/blog\/gaya-hidup\/rekomendasi-rumah-di-jogja\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">rumah di Jogja<\/a> yang bisa menjadi hunian investasi.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Jangan pernah melewatkan berita terkini mengenai proyek properti terbaru yang dibangun oleh developer, hanya di <\/span><a href=\"https:\/\/skorlife.com\/blog\/\" data-wpel-link=\"internal\"><span style=\"font-weight: 400;\">blog SkorLife<\/span><\/a><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 dengan skema cicilan ke bank, 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 wp-image-7559 size-large\" 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>Proses pengajuan Kredit Pemilikan Rumah (KPR) ada kalanya tidak di-acc oleh bank. Berikut ini ciri-ciri KPR ditolak bank dan berbagai<\/p>\n","protected":false},"author":15,"featured_media":4012,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13],"tags":[108],"class_list":["post-3987","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>6 Ciri-ciri KPR Ditolak Bank<\/title>\n<meta name=\"description\" content=\"Proses pengajuan Kredit Pemilikan Rumah (KPR) ada kalanya tidak di-acc oleh bank. 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