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Simulasi Kredit Tanah vs KPR: Mana yang Sesuai untuk Anda?

juL

17 Apr, 2025

Bingung pilih kredit tanah atau KPR rumah di Singaraja? Baca simulasi perhitungan dan temukan pilihan terbaik sesuai kebutuhan dan anggaran Anda.

1. Pilihan Skema Pembiayaan Properti

Membeli properti di Singaraja bisa dilakukan dengan dua jalur utama: kredit tanah atau KPR (Kredit Pemilikan Rumah). Masing-masing skema punya karakteristik, bunga, tenor, dan kelebihan tersendiri. Artikel ini membantu Anda melihat simulasi dan membandingkan mana yang lebih cocok untuk kondisi Anda saat ini.

2. Simulasi Kredit Tanah di Singaraja

Skema Kredit Tanah:

Harga tanah: Rp120.000.000

Uang muka: 20% (Rp24.000.000)

Cicilan: Rp96.000.000

Tenor: 36 bulan

Bunga: 0.7% per bulan

Simulasi cicilan: Rp96.000.000 dibagi 36 bulan = Rp2.666.666

Bunga 0.7% per bulan = Rp672.000

Total cicilan per bulan: ±Rp3.338.666

Keunggulan:

Proses mudah
Cocok untuk pembeli pertama atau investor
Bisa bangun rumah sesuai desain sendiri

3. Simulasi KPR Rumah Siap Huni

Skema KPR Rumah:

Harga rumah: Rp350.000.000

Uang muka: 15% (Rp52.500.000)

Pinjaman: Rp297.500.000

Tenor: 15 tahun

Bunga: 5% per tahun

Simulasi cicilan per bulan: Rp297.500.000 / 180 bulan = Rp1.652.777

Jika Anda ingin berkonsultasi tentang tanah atau rumah, bisa hubungi tim Kavling Singaraja Property.

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