{"id":3990,"date":"2024-06-26T19:00:10","date_gmt":"2024-06-26T12:00:10","guid":{"rendered":"https:\/\/skorlife.com\/blog\/?p=3990"},"modified":"2024-06-27T10:56:04","modified_gmt":"2024-06-27T03:56:04","slug":"kpr-btn-syariah","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/kpr\/kpr-btn-syariah\/","title":{"rendered":"Mengenal KPR BTN Syariah. Lengkap dengan Syarat dan Biaya Pengajuan"},"content":{"rendered":"<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">KPR BTN Syariah merupakan salah satu fasilitas pembiayaan hunian tanpa riba yang dapat digunakan oleh masyarakat.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><!--more--><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Simak beberapa syarat dan biaya pengajuannya, bisa menjadi pilihan bagi kamu yang menginginkan pembiayaan sesuai prinsip syariah.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Secara umum pengertian Kredit Pemilikan Rumah (KPR) syariah adalah fasilitas pembiayaan untuk membeli rumah tapak baru maupun <\/span><i><span style=\"font-weight: 400;\">second<\/span><\/i><span style=\"font-weight: 400;\"> dengan prinsip syariah.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Mungkin saja kamu sedang berencana membeli <a href=\"https:\/\/skorlife.com\/blog\/gaya-hidup\/rekomendasi-rumah-di-bekasi\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">rumah di Bekasi<\/a> dengan fasilitas pembiayaan sesuai syariah Islam.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Perbedaan mendasar antara KPR konvensional seperti <a href=\"https:\/\/skorlife.com\/blog\/kpr\/kpr-cimb-niaga\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">Bank CIMB Niaga<\/a> dengan KPR syariah adalah terletak pada akad transaksinya.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bila KPR konvensional melakukan transaksi uang, sedangkan KPR syariah melakukan transaksi barang.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Jadi, apakah KPR syariah bebas riba? Dengan akad <\/span><i><span style=\"font-weight: 400;\">murabahah<\/span><\/i><span style=\"font-weight: 400;\">, nasabah dapat terhindar dari transaksi riba.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nah, salah satu lembaga keuangan yang menyediakan fasilitas pembiayaan rumah dengan prinsip syariah adalah Bank Tabungan Negara atau BTN.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Lalu, KPR BTN syariah menggunakan akad apa?<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Dalam transaksi pembiayaan, KPR syariah BTN menggunakan akad <\/span><i><span style=\"font-weight: 400;\">murabahah<\/span><\/i><span style=\"font-weight: 400;\"> atau jual beli, <\/span><i><span style=\"font-weight: 400;\">as-salam<\/span><\/i><span style=\"font-weight: 400;\">, dan <\/span><i><span style=\"font-weight: 400;\">al-istishna<\/span><\/i><span style=\"font-weight: 400;\">.\u00a0\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Ingin tahu lebih lanjut, <\/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 membahasnya dengan merangkum dari situs resmi bank milik pemerintah ini.<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Syarat KPR BTN Syariah<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Melansir dari laman resmi BTN, berikut ini sejumlah syarat yang harus kamu miliki bila ingin mengajukan kredit perumahan komersial maupun subsidi dengan prinsip syariah.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>1. Persyaratan Umum<\/b><\/h3>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Warga Negara Indonesia (WNI).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Memiliki e-KTP (Kartu Tanda Penduduk).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Usia saat mengajukan minimal 21 tahun atau telah menikah.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Usia tak lebih dari 65 tahun saat melunasi pembiayaan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum masa kerja\/usaha 1(satu) tahun.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Riwayat kredit tidak bermasalah (IDI BI <\/span><i><span style=\"font-weight: 400;\">clear<\/span><\/i><span style=\"font-weight: 400;\">).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Memiliki penghasilan pokok, yakni Rp4 juta (untuk pengajuan rumah tapak) dan Rp7 juta (untuk pengajuan rusun).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pemohon maupun pasangan (suami\/isteri) tidak memiliki rumah dan belum pernah menerima subsidi pemerintah.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Menyampaikan NPWP (Nomor Pokok Wajib Pajak) dan SPT (Surat Pemberitahuan Tahunan) PPh (Pajak Penghasilan) orang pribadi.<\/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;\">Formulir pengajuan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi KTP\/Kartu Identitas.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi Kartu Keluarga.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lampiran fotokopi Surat Nikah\/Cerai.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lampiran fotokopi SK (Surat Keterangan) Pegawai.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan fotokopi slip gaji.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Surat Keterangan Penghasilan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rekening koran 3 bulan terakhir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi NPWP dan SPT tahunan PPh orang pribadi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mengisi surat pernyataan Kredit Pemilikan Rumah dari BTN syariah.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: left;\"><b>3. Dokumen Persyaratan untuk Wiraswasta<\/b><\/h3>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Formulir pengajuan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan fotokopi KTP\/Kartu Identitas.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi Kartu Keluarga.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lampiran Surat Nikah\/Cerai.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Surat keterangan penghasilan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rekening koran 3 bulan terakhir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Laporan keuangan 3 bulan terakhir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi NPWP dan SPT tahunan PPh orang pribadi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan fotokopi surat izin usaha, SIUP (Surat Izin Usaha Perdagangan), dan TDP (Tanda Daftar Perusahaan).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mengisi surat pernyataan KPR BTN syariah subsidi iB.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: left;\"><b>3. Syarat Dokumen Pengajuan KPR untuk Profesional<\/b><\/h3>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Formulir pengajuan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi KTP\/Kartu Identitas.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan fotokopi Kartu Keluarga.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lampiran fotokopi Surat Nikah\/Cerai.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Surat keterangan penghasilan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rekening koran 3 bulan terakhir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi NPWP dan SPT tahunan PPh orang pribadi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lampiran fotokopi izin praktek.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mengisi surat pernyataan KPR BTN bersubsidi iB.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan sertifikat atau Hak Guna Bangunan atau Hak Milik.<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_4030\" class=\"wp-caption alignnone\" ><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4030 size-full\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/kpr-btn-syariah-apakah-riba.jpg\" alt=\"kpr btn syariah apakah riba\" width=\"810\" height=\"508\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/kpr-btn-syariah-apakah-riba.jpg 810w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/kpr-btn-syariah-apakah-riba-300x188.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/kpr-btn-syariah-apakah-riba-768x482.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>Biaya KPR BTN Syariah<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Selain persyaratan, kamu pun perlu menyiapkan beberapa biaya ketika mengajukan pembiayaan KPR syariah di BTN syariah, antara lain:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Biaya administrasi.<\/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;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Biaya notaris.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Biaya Surat Kuasa Memberikan Hak Tanggungan (SKMHT) \/ Akta Pemberian Hak Tanggungan (APHT).<\/span><\/li>\n<\/ul>\n<h2 style=\"text-align: left;\"><b>Cara Mengajukan KPR Syariah di Bank BTN<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bila kamu telah memenuhi dokumen persyaratan dan memiliki dana untuk biaya-biaya di atas, maka kini saatnya mengajukan permohonan pembiayaan ke BTN.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Adapun cara mengajukannya sebagai berikut:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Siapkan dokumen yang lengkap.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Berkas permohonan akan diproses dan diverifikasi oleh pihak BTN.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bila permohonan disetujui, maka pemohon mempersiapkan kecukupan dana di tabungan BTN iB.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kemudian, pemohon akan melakukan akad pembiayaan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Terakhir, pihak bank mulai proses pencairan permohonan.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Lantas berapa lama proses KPR Bank BTN Syariah?<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Ketika calon debitur mengajukan permohonan pembiayaan KPR BTN Syariah membutuhkan waktu selama 14 hari hingga 30 hari kerja, termasuk proses mewawancarai nasabah.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nah, demikianlah informasi terkait Kredit Pemilikan Rumah (KPR) BTN dengan prinsip syariah.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Setelah membaca penjelasan di atas, mungkin kamu semakin mantap untuk membeli <a href=\"https:\/\/skorlife.com\/blog\/gaya-hidup\/rekomendasi-rumah-di-tangerang-selatan\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">rumah di Tangerang<\/a> yang dekat dengan sejumlah kota mandiri.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bila ingin tahu mengenai investasi syariah hingga perencanaan keuangan, kamu bisa membacanya 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","protected":false},"excerpt":{"rendered":"<p>KPR BTN Syariah merupakan salah satu fasilitas pembiayaan hunian tanpa riba yang dapat digunakan oleh masyarakat.\u00a0<\/p>\n","protected":false},"author":15,"featured_media":4008,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13],"tags":[108],"class_list":["post-3990","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\/ 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