Perbedaan KPR Syariah dan Konvensional

bank syariah konvensional

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”

  1. This is very interesting, You’re a very skilled blogger. I have joined your feed and look ahead to in search of more of your magnificent post. Additionally, I’ve shared your web site in my social networks!

  2. It’s actually a cool and helpful piece of information. I’m satisfied that you just shared this helpful information with us. Please stay us up to date like this. Thank you for sharing.

  3. I absolutely love your blog and find almost all of your post’s to be just what I’m looking for. Would you offer guest writers to write content in your case? I wouldn’t mind composing a post or elaborating on a number of the subjects you write in relation to here. Again, awesome weblog!

  4. Excellent goods from you, man. I have understand your stuff previous to and you are just too magnificent. I actually like what you have acquired here, really like what you are saying and the way in which you say it. You make it enjoyable and you still care for to keep it sensible. I can’t wait to read much more from you. This is really a tremendous website.

  5. I have been browsing online more than 3 hours these days, yet I by no means found any interesting article like yours. It is beautiful price enough for me. In my opinion, if all web owners and bloggers made just right content material as you probably did, the internet will probably be much more useful than ever before.

  6. Good day very cool site!! Man .. Excellent .. Amazing .. I’ll bookmark your blog and take the feeds also?KI am satisfied to seek out a lot of helpful information right here in the put up, we need develop more techniques in this regard, thanks for sharing. . . . . .

  7. I am now not sure the place you are getting your information, however great topic. I needs to spend some time studying much more or working out more. Thanks for magnificent information I was in search of this info for my mission.

  8. I and my guys were found to be reviewing the great points located on the website and instantly I had a terrible feeling I had not thanked the web site owner for those strategies. Most of the women appeared to be absolutely thrilled to read them and have in actuality been having fun with these things. We appreciate you truly being so helpful and also for getting this form of extraordinary information most people are really needing to learn about. My personal sincere apologies for not expressing appreciation to sooner.

  9. I like what you guys are up also. Such smart work and reporting! Carry on the excellent works guys I?¦ve incorporated you guys to my blogroll. I think it’ll improve the value of my site 🙂

  10. Wonderful beat ! I wish to apprentice while you amend your website, how could i subscribe for a blog web site? The account aided me a acceptable deal. I had been a little bit acquainted of this your broadcast provided bright clear idea

  11. Along with the whole thing that appears to be developing inside this specific subject material, all your viewpoints are actually rather stimulating. Even so, I beg your pardon, but I do not subscribe to your entire plan, all be it radical none the less. It appears to everybody that your opinions are generally not entirely rationalized and in actuality you are yourself not even totally confident of the assertion. In any event I did enjoy looking at it.

  12. After research a number of of the blog posts on your website now, and I actually like your method of blogging. I bookmarked it to my bookmark web site checklist and will likely be checking again soon. Pls check out my website as nicely and let me know what you think.

  13. I cling on to listening to the news broadcast speak about getting boundless online grant applications so I have been looking around for the most excellent site to get one. Could you advise me please, where could i get some?

Leave a Comment

Your email address will not be published. Required fields are marked *