{"id":3996,"date":"2024-06-26T22:00:42","date_gmt":"2024-06-26T15:00:42","guid":{"rendered":"https:\/\/skorlife.com\/blog\/?p=3996"},"modified":"2026-08-20T13:22:54","modified_gmt":"2026-08-20T06:22:54","slug":"kpr-rumah-second","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/kpr\/kpr-rumah-second\/","title":{"rendered":"Syarat KPR Rumah Second dan Cara Mengajukannya"},"content":{"rendered":"<p><!-- fs-anchor 2026-08-20 --><\/p>\n<p class=\"fs-lead\">Syarat KPR rumah second meliputi persyaratan umum seperti status WNI dan usia minimal 21 tahun, kelengkapan dokumen identitas diri dan pasangan, serta lampiran dokumen properti seperti Sertifikat Hak Milik dan IMB. Pemohon juga wajib menyiapkan bukti penghasilan sesuai profesi, fotokopi rekening tiga bulan terakhir, dan uang muka untuk mengajukan kredit. Memahami syarat-syarat ini akan mempermudah proses persetujuan KPR rumah bekas di berbagai bank nasional.<\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Intip sejumlah syarat KPR rumah <\/span><i><span style=\"font-weight: 400;\">second<\/span><\/i><span style=\"font-weight: 400;\"> dan cara mengajukannya ke bank, tentunya agar mendapatkan persetujuan.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><!--more--><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sistem pembiayaan Kredit Pemilikan Rumah (KPR) tidak hanya untuk hunian baru saja, tetapi juga bisa digunakan mendanai pembelian hunian bekas.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Beli rumah <\/span><i><span style=\"font-weight: 400;\">second<\/span><\/i><span style=\"font-weight: 400;\"> alias rumah bekas melalui KPR kerap menjadi pilihan banyak masyarakat di Indonesia.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sebab, KPR rumah bekas memiliki keunggulan tersendiri. Salah satu keunggulan hunian bekas adalah lokasi dan fasilitas.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Biasanya, rumah bekas berada di lokasi yang sudah berkembang pesat dengan fasilitas yang lengkap dibandingkan kompleks rumah yang baru dibangun.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kelebihan lainnya beli rumah <\/span><i><span style=\"font-weight: 400;\">second<\/span><\/i><span style=\"font-weight: 400;\"> yakni bisa langsung kamu tempati, meskipun juga harus cermat dan teliti akan kondisi rumah bekas tersebut.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Banyak lembaga keuangan saat ini menawarkan fasilitas KPR rumah <\/span><i><span style=\"font-weight: 400;\">second<\/span><\/i><span style=\"font-weight: 400;\">, seperti BCA dan <a href=\"https:\/\/skorlife.com\/blog\/kpr\/mengenal-kpr-bsi\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">Bank Syariah Indonesia<\/a> (BSI).<\/span><\/p>\n<p style=\"text-align: left;\"><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 lebih lengkap dengan merangkum dari berbagai sumber situs bank nasional.\u00a0<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Syarat KPR Rumah Second<\/b><\/h2>\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;\">Debitur merupakan Warga Negara Indonesia (WNI).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debitur berusia minimal 21 tahun atau sudah menikah.\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mengisi formulir pengajuan Kredit Pemilikan Rumah rumah <em>second<\/em>.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mempersiapkan uang muka dan biaya tambahan lain yang dibutuhkan.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: left;\"><b>2. Syarat Dokumen KPR Rumah Second<\/b><\/h3>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi KTP pemohon dan pasangan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan fotokopi KK (Kartu Keluarga);<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi akta nikah atau cerai.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lampiran fotokopi NPWP (Nomor Pokok Wajib Pajak).\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi rekening tiga bulan terakhir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pas foto diri berukuran 4&#215;6 dan foto diri pasangan bila sudah menikah.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Slip gaji dan surat keterangan kerja asli (bagi karyawan).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Surat keterangan kerja asli dan fotokopi izin praktik profesi (bagi profesional).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi laporan keuangan dua tahun terakhir dan fotokopi legalitas dokumen usaha (bagi wiraswasta).<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: left;\"><b>3. Lampiran Dokumen Lainnya<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Pemohon KPR rumah bekas juga wajib melampirkan dokumen tambahan, seperti Sertifikat Hak Milik (SHM), Izin Mendirikan Bangunan (IMB), dan bukti pembayaran pajak.<\/span><\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2026\/06\/kpr-rumah-second-body1.png\" alt=\"Syarat KPR Rumah Second dan Cara Mengajukannya \u2014 ilustrasi 1\" style=\"width:100%;height:auto;border-radius:12px;margin:18px 0\" \/><\/figure>\n<figure id=\"attachment_4021\" class=\"wp-caption alignnone\" ><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4021 size-full\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/apakah-beli-rumah-second-bisa-kpr.jpg\" alt=\"apakah beli rumah second bisa kpr\" width=\"806\" height=\"505\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/apakah-beli-rumah-second-bisa-kpr.jpg 806w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/apakah-beli-rumah-second-bisa-kpr-300x188.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/apakah-beli-rumah-second-bisa-kpr-768x481.jpg 768w\" sizes=\"auto, (max-width: 806px) 100vw, 806px\" \/><figcaption class=\"wp-caption-text\">Foto: Metlandcibitung.co.id<\/figcaption><\/figure>\n<h2 style=\"text-align: left;\"><b>Cara Mengajukan KPR Rumah Second<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Penting untuk diketahui, mungkin bisa saja cara KPR rumah bekas di Bank BTN dengan Bank BRI sedikit berbeda.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Namun secara umum, cara pengajuan KPR rumah <\/span><i><span style=\"font-weight: 400;\">second<\/span><\/i><span style=\"font-weight: 400;\"> sebagai berikut:<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>1. Periksa Kondisi Rumah<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Setelah mendapatkan rumah bekas yang sesuai, maka hal pertama yang harus dilakukan adalah memeriksa kondisi bangunan dengan teliti dan cermat.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bagian mana saja yang harus direnovasi, termasuk sistem utilitas seperti kelistrikan dan pipa air.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>2. Tanyakan Legalitas Dokumen<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Jangan lupa untuk menanyakan pula perihal dokumen legalitas rumah, seperti status Sertifikat Hak Milik (SHM).<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bila rumah bekas<\/span><span style=\"font-weight: 400;\">\u00a0yang ingin kamu beli itu merupakan harta waris, tanyakan pula apakah semua ahli waris sudah setuju bila hunian tersebut dijual.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Hal ini untuk menghindari potensi sengketa di kemudian hari yang bisa saja terjadi.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>3. Lakukan Negosiasi Harga<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Setelah memastikan kondisi bangunan dan legalitasnya, kamu bisa langsung menegosiasikan harga kepada pemilik rumah ataupun broker properti.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Banyak pemilik rumah yang menggunakan jasa broker atau agen properti untuk memudahkan proses penjualan rumah.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Jangan lupa pula untuk mempersiapkan uang muka atau <\/span><i><span style=\"font-weight: 400;\">down payment<\/span><\/i><span style=\"font-weight: 400;\"> (DP).<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sudah tahu belum berapa persen DP untuk KPR 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;\">Besaran DP minimal KPR rumah bekas<\/span><span style=\"font-weight: 400;\">\u00a0sangat ditentukan oleh harga rumah. Namun, biasanya DP rumah <\/span><i><span style=\"font-weight: 400;\">second<\/span><\/i><span style=\"font-weight: 400;\"> berkisar 15-20% dari harga rumah.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>4. Pilih Bank KPR Rumah Second<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Cara mengajukan kredit rumah bekas selanjutnya adalah memilih lembaga keuangan atau bank yang sesuai dengan kebutuhan kamu.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bila ingin terbebas dari riba, bisa memilih fasilitas KPR syariah yang kini banyak ditawarkan oleh bank BUMN maupun swasta.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kamu perlu ingat ketika membeli rumah bekas dan mengajukan KPR, tidak semua perbankan menerima pengajuan kredit kalau hunian berada di gang kecil dan bukan jalan raya.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>5. Serahkan Dokumen Persyaratan<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Setelah mendapatkan bank yang cocok, langkah selanjutnya adalah menyerahkan persyaratan dokumen persyaratan kepada pihak bank.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kemudian, pihak bank akan melakukan proses <\/span><i><span style=\"font-weight: 400;\">appraisal<\/span><\/i><span style=\"font-weight: 400;\"> atau prosedur penilaian rumah.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Perwakilan akan menaksir berapa harga rumah dengan kelayakan dan kondisi rumah terkini.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Adapun berapa lama proses KPR disetujui? Proses appraisal\u00a0 biasanya memakan waktu selama kurang lebih 2 sampai 3 minggu.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>6. Urus Surat Perjanjian Kredit dan Akad<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bila pengajuan KPR disetujui oleh bank, maka kamu akan diberikan Surat Perjanjian Kredit (SPK).<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Saat menerima SPK, baca seluruh surat perjanjian itu dengan cermat dan teliti.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Perhatikan besaran kredit, besaran bunga, besaran angsuran dan tenor, biaya penalti dan kewajiban debitur lainnya.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nah, itulah syarat KPR rumah <\/span><i><span style=\"font-weight: 400;\">second<\/span><\/i><span style=\"font-weight: 400;\"> dan cara pengajuannya. Semoga artikel ini bermanfaat untuk kamu, ya.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kalau kamu tertarik membeli properti dengan skema cicilan ke bank, cari tahu mengenai <a href=\"https:\/\/skorlife.com\/blog\/kpr\/mengenal-kpr-bni\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">KPR BNI<\/a> yang memiliki sejumlah kelebihan.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Simak sejumlah artikel yang membahas investasi terkait emas mulai dari logam mulia, perhiasan, hingga gaya hidup tersedia 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;\">Jangan lupa cek skor kredit 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;\"> bila kamu berencana untuk membeli kendaraan bermotor melalui pembiayaan kredit.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Syarat KPR rumah second meliputi persyaratan umum seperti status WNI dan usia minimal 21 tahun, kelengkapan dokumen identitas diri dan<\/p>\n","protected":false},"author":15,"featured_media":4013,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","footnotes":"","jetpack_post_was_ever_published":false},"categories":[13],"tags":[108],"class_list":["post-3996","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 v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Syarat KPR Rumah Second<\/title>\n<meta name=\"description\" content=\"Intip sejumlah syarat KPR rumah second dan cara mengajukannya ke bank, tentunya agar mendapatkan 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