Bunga Acuan Turun, Waktunya Ambil KPR?

Suku bunga acuan Bank Indonesia saat ini sudah terus mengalami penurunan. Bunga acuan merupakan salah satu patokan dalam menentukan suku bunga kredit termasuk kredit pemilikan rumah (KPR).


Namun, apakah naik turunnya bunga acuan bisa jadi pegangan dalam mengajukan KPR?


Perencana Keuangan dari Mitra Rencana Edukasi (MRE) Andy Nugroho mengungkapkan, rendahnya bunga KPR memang bisa menjadi daya tarik calon pemilik rumah.


Namun ada hal-hal lain yang perlu diperhatikan. Misalnya berapa lama jangka waktu bunga flat ke floating. “Perlu dicari tahu dulu tuh, flat ke floatingnya berapa lama. Semakin lama bisa semakin baik. Kemudian untuk bank syariah kan ada akad yang kasih imbal hasil flat, tapi lebih tinggi dibanding konvensional,” kata Andy saat dihubungi detikcom, Senin (30/12/2019).


Dia mengungkapkan, perlu pula diperhatikan biaya-biaya untuk pelengkap. Misalnya biaya provisi, asuransi hingga Bea Perolehan Hak atas Tanah dan Bangunan (BPHTB).


Menurut Andy, lebih cepat mengajukan KPR maka harga tidak akan bergerak terlalu tinggi. Karena itu, jika sudah menemukan lokasi yang mendekati kemampuan dan keinginan jangan tunggu lama lagi.


“Kalau bisa jangan tunggu yang sesuai 100% dengan keinginan dan idealisme kita. Karena mungkin akan memakan waktu yang sangat lama,” imbuh dia.


Memang, dalam memiliki hunian tergantung kondisi dan situasi terutama finansial setiap prang. Jika memiliki tujuan untuk memiliki rumah sendiri dan sudah ada dana yang cukup maka bisa segera mencari.


“Karena jika dibandingkan ngekost atau ngontrak, beli rumah adalah bentuk investasi dan menambah aset, sementara ngontrak hanya akan menjadi cost,” ujar dia.


Sumber : detik.com

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