{"id":1313,"date":"2023-01-26T07:01:59","date_gmt":"2023-01-26T07:01:59","guid":{"rendered":"https:\/\/daanmogotcity.co.id\/?p=1313"},"modified":"2023-01-26T07:01:59","modified_gmt":"2023-01-26T07:01:59","slug":"kpa-fixed-panjang-bunga-tinggi-atau-fixed-pendek-bunga-rendah","status":"publish","type":"post","link":"https:\/\/daanmogotcity.co.id\/id\/kpa-fixed-panjang-bunga-tinggi-atau-fixed-pendek-bunga-rendah\/","title":{"rendered":"KPA Fixed Panjang Bunga Tinggi atau Fixed Pendek Bunga Rendah?"},"content":{"rendered":"<p>Membahas soal bunga fixed dan floating itu cukup tricky loh! Karena bunga fixed maupun floating dipengaruhi oleh banyak faktor. Bagi orang yang sudah berpengalaman dalam mengajukan KPA pasti akan berpendapat bahwa jangan hanya melihat besar suku bunganya saja, tapi perhatikan juga tenor serta bunga fixed dan floatingnya. Maksudnya gimana sih? Yuk kita bandingkan 2 program KPA berikut ini.<\/p>\n<p>Contoh<\/p>\n<ul>\n<li>Bank Damoci<\/li>\n<\/ul>\n<p><strong>4,25%<\/strong> Fixed 3 tahun dengan minimal tenor 10 tahun<\/p>\n<p>Artinya: bunga lebih kecil, tenor fixed juga lebih pendek<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Bank X<\/li>\n<\/ul>\n<p><strong>5,25% <\/strong>Fixed 5 tahun dengan minimal tenor 12 tahun<\/p>\n<p>Artinya: bunga lebih besar 1%, tenor fixed jadi lebih panjang<\/p>\n<p>&nbsp;<\/p>\n<p>Coba kita Simulasi KPA bareng yuk, misalnya:<\/p>\n<p>Harga : 150.000.000<\/p>\n<p>DP (15%) : 15.000.000<\/p>\n<p>Tenor : 12 Tahun<\/p>\n<p>Suku Bunga Floating : 13,50%<\/p>\n<p><em>*asumsi berdasarkan SBI + 6,50%<\/em><\/p>\n<p>Jadi<\/p>\n<p><strong>4,25% fixed 3 tahun<\/strong><\/p>\n<p>Angsuran selama masa fixed (bunga 4,25% selama bulan 1-36) :\u00a0 1.198.419\/bln<\/p>\n<p>Angsuran setelah masa fixed (bunga 13,50% selama bulan 7 \u2013 144) : 1.722.877\/bln<\/p>\n<p>Biaya akad : 15.735.000<\/p>\n<p>Sehingga total angsurannya sebesar 229.213.800<\/p>\n<p>&nbsp;<\/p>\n<p><strong>5,25% fixed 5 tahun<\/strong><\/p>\n<p>Angsuran selama masa fixed (bunga 5,25% selama bulan 1-60) : 1.265.600\/bln<\/p>\n<p>Angsuran setelah masa fixed (bunga 13,50% selama bulan 61-144 : 1.639.748\/bln<\/p>\n<p>Biaya akad : 15.735.000<\/p>\n<p>Sehingga total angsurannya sebesar 213.674.832<\/p>\n<p>Yang pasti, ini hanya simulasi perkiraan ya guys! Total angsuran yang sebenarnya tentunya akan sangat bergantung pada suku Bunga BI yang terus berubah-ubah.<\/p>\n<p>Nah kalau kayak gitu kelebihan dan kekurangan bunga fixed dan floating tuh apa?<\/p>\n<p><strong>Kelebihan Bunga Fixed<\/strong><\/p>\n<ul>\n<li>Ada kepastian jumlah angsuran selama tenor tertentu<\/li>\n<li>Tidak terpengaruh suku bunga BI<\/li>\n<\/ul>\n<p><strong>Kekurangan Bunga Fixed<\/strong><\/p>\n<ul>\n<li>Tidak bisa menikmati penurunan suku bunga KPR ketika Bunga BI turun<\/li>\n<\/ul>\n<p><strong>Kelebihan Bunga Floating<\/strong><\/p>\n<ul>\n<li>Cicilan bisa lebih rendah ketika suku Bunga BI turun<\/li>\n<\/ul>\n<p><strong>Kekurangan Bunga Floating<\/strong><\/p>\n<ul>\n<li>Dipengaruhi suku Bunga BI, jadi ketika Bunga naik cicilan juga akan naik, dan sebaliknya.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Apapun program KPA yang kamu ambil, tetap konsultasikan dan sesuaikan dengan kebutuhan kamu ya!<\/p>","protected":false},"excerpt":{"rendered":"<p>Membahas soal bunga fixed dan floating itu cukup tricky loh! Karena bunga fixed maupun floating dipengaruhi oleh banyak faktor. Bagi orang yang sudah berpengalaman dalam mengajukan KPA pasti akan berpendapat bahwa jangan hanya melihat besar suku bunganya saja, tapi perhatikan juga tenor serta bunga fixed dan floatingnya. Maksudnya gimana sih? Yuk kita bandingkan 2 program [&hellip;]<\/p>","protected":false},"author":1,"featured_media":1314,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1313","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>apartemen jakarta barat KPA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/daanmogotcity.co.id\/id\/kpa-fixed-panjang-bunga-tinggi-atau-fixed-pendek-bunga-rendah\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"apartemen jakarta barat KPA\" \/>\n<meta property=\"og:description\" content=\"Membahas soal bunga fixed dan floating itu cukup tricky loh! Karena bunga fixed maupun floating dipengaruhi oleh banyak faktor. Bagi orang yang sudah berpengalaman dalam mengajukan KPA pasti akan berpendapat bahwa jangan hanya melihat besar suku bunganya saja, tapi perhatikan juga tenor serta bunga fixed dan floatingnya. Maksudnya gimana sih? Yuk kita bandingkan 2 program [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/daanmogotcity.co.id\/id\/kpa-fixed-panjang-bunga-tinggi-atau-fixed-pendek-bunga-rendah\/\" \/>\n<meta property=\"og:site_name\" content=\"Daan Mogot City\" \/>\n<meta property=\"article:published_time\" content=\"2023-01-26T07:01:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/daanmogotcity.co.id\/wp-content\/uploads\/2023\/01\/close-up-images-multiple-credit-card-handsets-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1703\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"AdminWeb\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Ditulis oleh\" \/>\n\t<meta name=\"twitter:data1\" content=\"AdminWeb\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimasi waktu membaca\" \/>\n\t<meta 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