{"id":624,"date":"2016-09-30T23:24:55","date_gmt":"2016-09-30T15:24:55","guid":{"rendered":"https:\/\/cari-kos.id\/blog\/?p=624"},"modified":"2024-09-11T10:17:23","modified_gmt":"2024-09-11T02:17:23","slug":"kapan-harus-mengajukan-kpr","status":"publish","type":"post","link":"https:\/\/cari-kos.id\/blog\/kapan-harus-mengajukan-kpr\/","title":{"rendered":"Kapan Harus Mengajukan KPR?"},"content":{"rendered":"<p style=\"text-align: justify;\"><a href=\"https:\/\/www.cari-kos.id\/blog\/kapan-harus-mengajukan-kpr\/\">Kapan Harus Mengajukan KPR?<\/a> &#8211; Besaran cicilan Kredit Pemilikan Rumah (<strong>KPR<\/strong>), maksimal 30% dari penghasillan bulanan. Ini artinya, Anda harus berhemat sebesar 30% setiap bulan sampai cicilan selesai. Lamanya bisa belasan tahun. Itu tentu bukan hal mudah.\u00a0Namun, untuk memiliki rumah yang harganya kian hari kian naik, Anda harus mau mengambil momentum dan sedikit berkorban.\u00a0Saat ini dinilai sebagai saat yang tepat karena Pemerintah tengah menggalakkan kemudahan pemilikan rumah saat ekonomi nasional masih dalam kondisi lemah. Salah satunya adalah dengan menurunkan batas bawah uang muka hingga 15% dari harga rumah.\u00a0Bahkan untuk rumah subsidi uang mukanya hanya 10% dengan bunga cicilan tetap 5% sampai lunas.\u00a0Melihat ragam peluang yang bisa Anda manfaatkan untuk memiliki rumah pribadi, coba cek sembilan hal berikut. Jika memenuhi tiga atau empat di antaranya, dapat menjadi indikasi Anda siap untuk mulai mengajukan cicilan\u00a0ini.<\/p>\n<p>Baca Juga :\u00a0<a href=\"https:\/\/www.cari-kos.id\/blog\/kpr-adalah\/\" target=\"_blank\" rel=\"noopener\">KPR Adalah ? Pengertian, Jenis, Syarat, dan Simulasi KPR<\/a><\/p>\n<figure id=\"attachment_628\" aria-describedby=\"caption-attachment-628\" style=\"width: 531px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/cari-kos.id\/blog\/wp-content\/uploads\/2016\/09\/kpr1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-628\" src=\"http:\/\/cari-kos.id\/blog\/wp-content\/uploads\/2016\/09\/kpr1-300x188.jpg\" alt=\"kpr1\" width=\"531\" height=\"333\" srcset=\"https:\/\/cari-kos.id\/blog\/wp-content\/uploads\/2016\/09\/kpr1-300x188.jpg 300w, https:\/\/cari-kos.id\/blog\/wp-content\/uploads\/2016\/09\/kpr1.jpg 470w\" sizes=\"auto, (max-width: 531px) 100vw, 531px\" \/><\/a><figcaption id=\"caption-attachment-628\" class=\"wp-caption-text\">Mengajukan KPR yang Tepat untuk Membeli Rumah<\/figcaption><\/figure>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.cari-kos.id\/blog\/tips-dan-trik-membeli-rumah-tanpa-uang-muka\/\">Komitmen keuangan yang utama jika Anda hendak mengajukan <strong>KPR<\/strong> kepada Bank<\/a> adalah ada kaitannya dengan hutang. Pastikan saat ini Anda tidak punya pinjaman atau hutang dengan pihak manapun agar aliran dana bulanan Anda tidak terganggu. Selain itu, anda juga perlu memiliki tabungan.\u00a0Mungkin jumlahnya tidak seberapa, namun tabungan ini harus tetap Anda miliki dan ditambah terus nominalnya setiap bulan. Sehingga bila sewaktu-waktu ada pengeluaran tak terduga, Anda sudah punya simpanan. Anda harus memiliki tabungan uang muka, memiliki riwayat peminjaman uang di bank yang baik, dan punya budget perbaikan rumah.<\/p>\n<figure id=\"attachment_627\" aria-describedby=\"caption-attachment-627\" style=\"width: 579px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/cari-kos.id\/blog\/wp-content\/uploads\/2016\/09\/kpr2.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-627\" src=\"http:\/\/cari-kos.id\/blog\/wp-content\/uploads\/2016\/09\/kpr2-300x243.jpg\" alt=\"kpr2\" width=\"579\" height=\"469\" srcset=\"https:\/\/cari-kos.id\/blog\/wp-content\/uploads\/2016\/09\/kpr2-300x243.jpg 300w, https:\/\/cari-kos.id\/blog\/wp-content\/uploads\/2016\/09\/kpr2.jpg 800w\" sizes=\"auto, (max-width: 579px) 100vw, 579px\" \/><\/a><figcaption id=\"caption-attachment-627\" class=\"wp-caption-text\">Mengajukan KPR yang Tepat untuk Membeli Rumah<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">Anda juga harus siap untuk mempunya alat perkakas rumah dan dapat melakukan perbaikan rumah skala kecil, dan mendekorasi rumah dan ruangan sesuai selera.<\/p>\n<figure id=\"attachment_626\" aria-describedby=\"caption-attachment-626\" style=\"width: 590px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/cari-kos.id\/blog\/wp-content\/uploads\/2016\/09\/kpr4.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-626\" src=\"http:\/\/cari-kos.id\/blog\/wp-content\/uploads\/2016\/09\/kpr4-300x200.jpg\" alt=\"kpr4\" width=\"590\" height=\"393\" srcset=\"https:\/\/cari-kos.id\/blog\/wp-content\/uploads\/2016\/09\/kpr4-300x200.jpg 300w, https:\/\/cari-kos.id\/blog\/wp-content\/uploads\/2016\/09\/kpr4.jpg 500w\" sizes=\"auto, (max-width: 590px) 100vw, 590px\" \/><\/a><figcaption id=\"caption-attachment-626\" class=\"wp-caption-text\">Mengajukan KPR yang Tepat untuk Membeli Rumah<\/figcaption><\/figure>\n<p>Baca Juga :\u00a0<a href=\"https:\/\/www.cari-kos.id\/blog\/contoh-surat-jual-beli-rumah-tips-dalam-membeli-rumah\/\" target=\"_blank\" rel=\"noopener\">Contoh Surat Jual Beli Rumah &amp;#038; Tips Dalam Membeli Rumah<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kapan Harus Mengajukan KPR? &#8211; Besaran cicilan Kredit Pemilikan Rumah (KPR), maksimal 30% dari penghasillan bulanan. Ini artinya, Anda harus berhemat sebesar 30% setiap bulan sampai cicilan selesai. Lamanya bisa belasan tahun. Itu tentu bukan hal mudah.\u00a0Namun, untuk memiliki rumah yang harganya kian hari kian naik, Anda harus mau mengambil momentum dan sedikit berkorban.\u00a0Saat ini [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":625,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"no","footnotes":""},"categories":[32,2,3],"tags":[131,130,16],"class_list":["post-624","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ide-dan-inspirasi","category-rumah","category-tips","tag-kpr","tag-membeli-rumah","tag-rumah"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kapan Harus Mengajukan KPR?<\/title>\n<meta name=\"description\" content=\"Kapan Harus Mengajukan KPR? - Besaran cicilan Kredit Pemilikan Rumah (KPR), maksimal 30% dari penghasillan bulanan.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cari-kos.id\/blog\/kapan-harus-mengajukan-kpr\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kapan Harus Mengajukan KPR?\" \/>\n<meta property=\"og:description\" content=\"Kapan Harus Mengajukan KPR? 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