{"id":9623,"date":"2026-01-18T08:34:22","date_gmt":"2026-01-18T01:34:22","guid":{"rendered":"https:\/\/skorlife.com\/blog\/?p=9623"},"modified":"2026-01-15T19:48:26","modified_gmt":"2026-01-15T12:48:26","slug":"rollover-deposito","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/investasi\/rollover-deposito\/","title":{"rendered":"Rollover Deposito: Pengertian, Kelebihan &#038; Kekurangannya"},"content":{"rendered":"<p><em>Rollover deposito adalah perpanjangan deposito otomatis. Kenali pengertian, kelebihan, kekurangan, dan tips aman sebelum mengaktifkannya di sini.<\/em><!--more--><\/p>\n<p><span style=\"font-weight: 400;\">Jika kamu ingin menabung dengan lebih \u201cdisiplin\u201d serta hasil relatif stabil, deposito sering jadi pilihan. Tapi saat membuka deposito, kamu mungkin pernah ditanya pihak bank: \u201cMau pakai rollover?\u201d Nah, rollover deposito adalah fitur yang sering dianggap sepele, padahal dampaknya cukup besar ke <\/span><a href=\"https:\/\/skorcard.app\/info-keuangan\/apa-itu-cash-flow\/\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">cash flow<\/span><\/a><span style=\"font-weight: 400;\"> hingga perencanaan keuangan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Yuk, kita bahas secara santai tapi tuntas, mulai dari pengertian, jenisnya, sampai kapan rollover deposito cocok dan kapan sebaiknya dihindari.<\/span><\/p>\n<p><strong>Baca juga: <a href=\"https:\/\/skorlife.com\/blog\/investasi\/pengertian-hedging-dalam-keuangan\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">Mengenal Hedging, Strategi Lindung Nilai dalam Dunia Keuangan<\/a><\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Apa Itu Rollover Deposito?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Secara sederhana, rollover deposito adalah proses perpanjangan otomatis deposito saat jatuh tempo, tanpa perlu kamu datang lagi ke bank atau melakukan instruksi ulang.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Artinya, ketika tenor deposito berakhir (misalnya 1, 3, atau 6 bulan), dana tersebut tidak langsung masuk ke rekening tabungan, tapi diputar kembali sesuai pengaturan yang kamu pilih sejak awal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Di Indonesia, fitur rollover ini umum tersedia di bank-bank yang diawasi <\/span><a href=\"https:\/\/skorlife.com\/blog\/bi-checking-skor\/tugas-fungsi-ojk\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\"><span style=\"font-weight: 400;\">OJK (Otoritas Jasa Keuangan)<\/span><\/a><span style=\"font-weight: 400;\">, dan mekanismenya sudah diatur secara resmi.<\/span><\/p>\n<figure id=\"attachment_8043\" class=\"wp-caption aligncenter\" ><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-8043\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/10\/Apa-Itu-Investasi-Freepik-1.jpg\" alt=\"Apa Itu Investasi\" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/10\/Apa-Itu-Investasi-Freepik-1.jpg 800w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/10\/Apa-Itu-Investasi-Freepik-1-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/10\/Apa-Itu-Investasi-Freepik-1-768x384.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-caption-text\">Sumber gambar: Freepik<\/figcaption><\/figure>\n<h2><span style=\"font-weight: 400;\">Jenis-Jenis Rollover Deposito<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Sebelum memilih, penting untuk tahu bahwa rollover deposito adalah konsep umum namun memiliki beberapa variasi berikut:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. Rollover Pokok (ARO &#8211; Automatic Roll Over)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pada jenis ini, pokok deposito diperpanjang, sementara bunga akan langsung ditransfer ke rekening tabunganmu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cocok untuk kamu yang:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ingin pendapatan bunga rutin<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tetap menjaga dana pokok tidak terpakai<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">2. Rollover Pokok + Bunga<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Di sini, pokok dan bunga digabung lalu didepositokan kembali.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Karena itu, rollover deposito adalah strategi umum dipakai untuk efek compounding (bunga berbunga).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cocok untuk:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tujuan jangka menengah\u2013panjang<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dana yang benar-benar \u201cdiparkir\u201d<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">3. Non-Rollover (Cair Otomatis)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bukan rollover sebenarnya, tapi sering jadi pembanding. Saat jatuh tempo, dana otomatis masuk ke rekening tabungan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pilihan ini pas kalau:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kamu butuh dana dalam waktu dekat<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ingin fleksibilitas lebih tinggi<\/span><\/li>\n<\/ul>\n<p><strong>Baca juga: <a href=\"https:\/\/skorlife.com\/blog\/investasi\/reksadana-terproteksi\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">Mengenal Reksadana Terproteksi: Panduan Lengkap untuk Pemula<\/a><\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Kelebihan Rollover Deposito<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Kalau digunakan dengan tepat, rollover deposito adalah alat cukup powerful dalam manajemen keuangan. Ini beberapa keunggulannya:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. Praktis dan Minim Ribet<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Kamu nggak perlu repot memantau tanggal jatuh tempo setiap bulan atau bolak-balik ke bank. Begitu tenor berakhir, sistem bank langsung memperpanjang otomatis sesuai pengaturan awal. Cocok jika kamu ingin keuangan tetap \u201cjalan\u201d meski sibuk dengan aktivitas harian.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. Disiplin Menabung<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Karena dana tidak langsung cair ke rekening, rollover deposito adalah cara \u201cmemaksa halus\u201d agar uang tidak mudah terpakai untuk belanja impulsif. Ini sangat membantu jika kamu sering tergoda memakai dana tabungan untuk kebutuhan yang sebenarnya bisa ditunda.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. Potensi Bunga Lebih Optimal<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Terutama pada skema rollover pokok + bunga, bunga yang diperoleh akan langsung ikut diputar kembali. Hasilnya, nilai deposito bisa tumbuh lebih optimal dibandingkan tabungan biasa yang bunganya relatif kecil dan jarang terasa dampaknya.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">4. Risiko Relatif Rendah<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Deposito di bank dijamin <\/span><a href=\"https:\/\/skorlife.com\/blog\/investasi\/apa-itu-lps-lembaga-penjamin-simpanan\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\"><span style=\"font-weight: 400;\">LPS (Lembaga Penjamin Simpanan)<\/span><\/a><span style=\"font-weight: 400;\"> hingga Rp2 miliar per nasabah per bank, selama suku bunga tidak melebihi tingkat penjaminan. Inilah alasan mengapa deposito, termasuk dengan sistem rollover, sering dipilih sebagai instrumen \u201caman\u201d untuk menyimpan dana.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-9625\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2026\/01\/kelebihan-dan-kekurangan-rollover-deposito.jpg\" alt=\"kelebihan dan kekurangan rollover deposito\" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2026\/01\/kelebihan-dan-kekurangan-rollover-deposito.jpg 800w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2026\/01\/kelebihan-dan-kekurangan-rollover-deposito-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2026\/01\/kelebihan-dan-kekurangan-rollover-deposito-768x384.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">Kekurangan Rollover Deposito\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Meski aman, rollover deposito adalah produk yang tetap punya sisi minus, terutama soal likuiditas.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. Dana Kurang Fleksibel<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Begitu dana masuk deposito rollover, aksesnya jadi terbatas. Kalau kamu tiba-tiba butuh uang sebelum jatuh tempo, pencairan bisa dikenakan penalti atau bunga hangus. Ini bisa mengganggu cash flow kalau tidak dipersiapkan sejak awal.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. Risiko Lupa Evaluasi Bunga<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Suku bunga deposito bisa berubah mengikuti kondisi ekonomi. Tanpa evaluasi berkala, rollover deposito adalah keputusan yang cenderung pasif dan berisiko membuatmu \u201cterjebak\u201d di bunga kurang kompetitif saat suku bunga pasar sedang naik.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. Kurang Cocok untuk Dana Darurat<\/span><\/h3>\n<p><a href=\"https:\/\/skorcard.app\/info-keuangan\/pengertian-dana-darurat\/\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">Dana darurat<\/span><\/a><span style=\"font-weight: 400;\"> idealnya mudah diakses kapan saja. Menyimpannya di deposito dengan sistem rollover justru bisa bikin dilema saat kondisi mendesak, aman di atas kertas, tapi kurang praktis di situasi nyata.<\/span><\/p>\n<p><strong>Baca juga: <a href=\"https:\/\/skorlife.com\/blog\/investasi\/pengertian-dca-dollar-cost-averaging\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">Apa itu DCA (Dollar Cost Averaging) dan Panduan Investasinya<\/a><\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Rollover Deposito Cocok untuk Siapa?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Secara praktis, rollover deposito adalah pilihan tepat jika kamu:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sudah punya dana darurat terpisah<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tidak membutuhkan dana tersebut dalam waktu dekat<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ingin instrumen rendah risiko<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sedang menyiapkan dana pendidikan, DP rumah, atau tujuan keuangan tertentu<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Sebaliknya, jika kondisi keuangan masih sering ketarik untuk kebutuhan mendadak, sebaiknya pikir ulang sebelum mengaktifkan rollover.<\/span><\/p>\n<figure id=\"attachment_7888\" class=\"wp-caption aligncenter\" ><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-7888\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2023\/05\/Scam-Investasi-Bodong-Freepik.jpg\" alt=\"Scam - Investasi Bodong\" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2023\/05\/Scam-Investasi-Bodong-Freepik.jpg 800w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2023\/05\/Scam-Investasi-Bodong-Freepik-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2023\/05\/Scam-Investasi-Bodong-Freepik-768x384.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-caption-text\">Sumber gambar: Freepik<\/figcaption><\/figure>\n<h2><span style=\"font-weight: 400;\">Tips Aman Sebelum Mengaktifkan Rollover Deposito<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Agar nggak salah langkah, ada beberapa hal sederhana tapi penting untuk kamu perhatikan sebelum mengaktifkan rollover:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. Tentukan Tujuan Dana Sejak Awal<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pastikan dulu dana ini memang uang dingin. Apakah untuk dana pendidikan, rencana DP rumah, atau sekadar menyimpan surplus cash? Dengan tujuan jelas, kamu bisa lebih tenang karena tahu dana tersebut memang tidak akan dipakai dalam waktu dekat.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. Pilih Jenis Rollover Sesuai Kebutuhan Cash Flow<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Kalau kamu masih butuh pemasukan rutin, rollover pokok saja bisa jadi pilihan karena bunga tetap cair ke rekening. Tapi kalau cash flow sudah aman, rollover pokok + bunga bisa membantu nilai deposito tumbuh lebih optimal.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. Catat Tanggal Jatuh Tempo Meski Otomatis<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Walaupun sistem bank berjalan otomatis, tetap penting untuk mencatat tanggal jatuh tempo. Ini membantu kamu mengevaluasi apakah deposito masih relevan, atau justru perlu dicairkan dan dialihkan ke instrumen lain.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">4. Bandingkan Bunga Deposito Antar Bank Secara Berkala<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Suku bunga bisa berubah mengikuti kondisi ekonomi. Dengan rutin membandingkan, kamu bisa memastikan dana tidak \u201cdiam\u201d di bunga yang kalah menarik. Kadang selisih kecil saja bisa terasa dampaknya dalam jangka panjang.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ingat, rollover deposito adalah alat bantu untuk merapikan keuangan, bukan solusi semua masalah finansial. Tetap kombinasikan dengan dana darurat yang likuid dan perencanaan keuangan realistis agar hasilnya benar-benar optimal.<\/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<h2><span style=\"font-weight: 400;\">Hubungannya dengan Skor Kredit &amp; Perencanaan Finansial<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Meski deposito tidak langsung mempengaruhi <\/span><a href=\"https:\/\/skorlife.com\/blog\/bi-checking-skor\/cara-cek-skor-kredit-dan-arti-nilai-skor\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\"><span style=\"font-weight: 400;\">skor kredit<\/span><\/a><span style=\"font-weight: 400;\">, pengelolaan keuangan yang rapi punya dampak besar saat kamu ingin mengajukan pinjaman.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Di sinilah peran <\/span><a href=\"https:\/\/skorlife.com\/id\/\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><b>Skorlife<\/b><\/a><span style=\"font-weight: 400;\"> jadi relevan:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cek Riwayat Kredit<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Bantu kamu tahu kondisi skor kredit sebelum mengajukan <\/span><a href=\"https:\/\/skorlife.com\/blog\/category\/kpr\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\"><span style=\"font-weight: 400;\">KPR (Kredit Pemilikan Rumah)<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/skorlife.com\/blog\/category\/kkb\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\"><span style=\"font-weight: 400;\">kredit kendaraan<\/span><\/a><span style=\"font-weight: 400;\">, atau pinjaman lain.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Peluang Pengajuan Kredit<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Lihat peluang pengajuan kreditmu disetujui, jadi lebih percaya diri ambil keputusan finansial.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Manajemen Keuangan<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Dapat rekomendasi pembayaran tunggakan dan pengaturan budget agar cash flow tetap sehat.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Dengan kondisi keuangan terkontrol, keputusan seperti memilih rollover deposito adalah langkah strategis, bukan sekadar ikut-ikutan.<\/span><\/p>\n<p><strong>Baca juga: <a href=\"https:\/\/skorcard.app\/info-keuangan\/investasi-modal-kecil\/\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\">Rekomendasi Investai Modal Kecil cocok untuk Pemula<\/a><\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Kesimpulan<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Singkatnya, rollover deposito adalah fitur perpanjangan otomatis deposito yang praktis, aman, dan cocok untuk tujuan keuangan tertentu. Namun, karena sifatnya kurang fleksibel, kamu tetap perlu menyesuaikannya dengan kondisi cash flow dan rencana finansial pribadi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kalau digunakan dengan sadar dan didukung perencanaan keuangan secara matang, rollover deposito bisa jadi \u201cteman setia\u201d dalam perjalanan finansialmu, bukan jebakan yang bikin serba susah di tengah jalan.<\/span><\/p>\n<hr \/>\n<h2><span style=\"font-weight: 400;\">FAQ Seputar Rollover Deposito<\/span><\/h2>\n<ol>\n<li><b> Rollover deposito adalah apa?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Rollover deposito adalah proses perpanjangan deposito secara otomatis saat jatuh tempo, tanpa perlu instruksi ulang dari nasabah. Dana akan diputar kembali sesuai jenis rollover yang dipilih, baik hanya pokok maupun pokok beserta bunganya.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Apa perbedaan rollover pokok dan rollover pokok + bunga?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Rollover pokok berarti hanya dana awal yang diperpanjang, sementara bunga masuk ke rekening tabungan. Sedangkan rollover pokok + bunga menggabungkan bunga ke dalam deposito, sehingga nilai simpanan bisa tumbuh lebih optimal dari waktu ke waktu.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Apakah rollover deposito bisa dibatalkan?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Bisa. Umumnya bank mengizinkan perubahan atau pembatalan rollover sebelum atau tepat saat jatuh tempo. Namun, jika deposito dicairkan di tengah tenor, biasanya akan dikenakan penalti atau bunga tidak dibayarkan.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Apakah rollover deposito aman?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Ya, selama disimpan di bank yang diawasi OJK. Deposito juga dijamin LPS hingga Rp2 miliar per nasabah per bank, selama suku bunga yang diterima tidak melebihi tingkat penjaminan yang berlaku.<\/span><\/p>\n<ol start=\"5\">\n<li><b> Apakah rollover deposito cocok untuk dana darurat?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Kurang disarankan. Karena sifatnya kurang fleksibel, rollover deposito adalah pilihan yang lebih cocok untuk dana tujuan jangka menengah atau panjang, bukan dana darurat yang perlu diakses kapan saja.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rollover deposito adalah perpanjangan deposito otomatis. Kenali pengertian, kelebihan, kekurangan, dan tips aman sebelum mengaktifkannya di sini.<\/p>\n","protected":false},"author":22,"featured_media":9624,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[19],"tags":[],"class_list":["post-9623","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investasi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Rollover Deposito: Pengertian, Kelebihan &amp; Risikonya - Skorlife<\/title>\n<meta name=\"description\" content=\"Rollover deposito adalah perpanjangan deposito otomatis. 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