Perbedaan KPR Syariah dan Konvensional

bank syariah konvensional
source: inews.id

Pada artikel sebelumnya disini, kita sudah membahas mengenai 8 tips yang harus diperhatikan dalam memilih KPR. Selanjutnya kita akan membahas lebih detail perbedaan KPR Syariah dengan KPR Konvensional pada artikel ini. Harapannya setelah mengetahui perbedaan tersebut dengan lebih detail, Anda akan lebih yakin dalam memilih jenis KPR yang paling cocok dengan kondisi finansial Anda.

1. Akad

Pada Bank Konvensional, akad yang terjadi antara Bank dengan nasabah adalah kesepakatan pinjaman uang dengan bunga untuk keperluan membeli rumah. Sedangkan pada Bank Syariah, akad yang terjadi antara Bank dengan nasabah adalah akad jual beli (murabahah) atau akad kepemilikan bertahap (musyarakah). Mungkin bagi sebagian orang, perbedaan jenis akad akan mempengaruhi keputusan mereka untuk mengambil jenis KPR yang mana.

2. Suku Bunga / Margin

Bank Konvensional menggunakan suku bunga mengambang (floating) dengan beracuan pada BI rate. Selain itu suku bunga mengambang juga dapat dipengaruhi oleh kebijakan masing-masing Bank.

Untuk Bank Syariah tidak menggunakan istilah suku bunga, tetapi menggunakan istilah margin atau keuntungan dari penjualan rumah. Biasanya margin Bank Syariah berkisar antara 10-12% per tahun dan fixed atau tidak berubah dari awal sampai lunas.

Keunggulan suku bunga Bank Konvensional biasanya terletak pada tahun-tahun pertama, yang mana Bank berani untuk memberikan suku bunga rendah fixed selama 3-5 tahun pertama. Bahkan ada salah satu Bank yang berani memberikan bunga 5% selama 5 tahun pertama. Sedangkan keunggulan Bank Syariah terletak pada fixed margin yang mana mungkin nasabah akan lebih tenang setiap bulannya menghindari suku bunga floating yang setiap bulan bisa berubah.

3. Tenor / Jangka Waktu

Tenor atau jangka waktu cicilan Bank Konvensional mulai dari 5 tahun sampai dengan maksimal 25 tahun. Sedangkan untuk Bank Syariah maksimal hanya sampai dengan 15 tahun. Tentunya semakin lama tenornya, maka cicilannya akan semakin ringan, namun jangan sampai terlena karena tentunya total kredit yang kita bayarkan akan semakin besar karena bunga / margin yang kita bayar setiap tahun.

4. Penalti / Denda

Pada Bank Konvensional terdapat penalti / denda yang berlaku, seperti denda keterlambatan pembayaran, denda pelunasan dipercepat, dan denda lainnya yang mungkin timbul. Sedangkan pada Bank Syariah tidak ada denda karena ingin menghindari Riba. Namun terkadang pada Bank Syariah terdapat istilah Infaq Wajib yang harus dibayar oleh nasabah jika terlambat membayar cicilan.

Setelah kita bahas lebih detail mengenai perbedaan KPR Syariah dengan KPR Konvensional, semoga Anda sudah lebih yakin akan memilih jenis KPR yang mana. Masing-masing jenis KPR memiliki keunggulannya masing-masing, termasuk kelemahannya. Anda harus mencocokkannya dengan kondisi finansial Anda, apa yang cocok bagi orang lain belum tentu cocok untuk Anda.

32 thoughts on “Perbedaan KPR Syariah dan Konvensional”

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