Catat, Ini Konsekuensi Telat Bayar KPR yang Wajib Diketahui!

By admin On Feb 6, 2025

Konsekuensi telat bayar KPR atau Kredit Pemilikan Rumah merupakan hal yang harus diperhatikan sebelum membeli sebuah hunian.

Seperti diketahui, KPR merupakan salah satu metode pembelian rumah yang kerap dipilih oleh masyarakat karena tidak memberatkan secara finansial.

Cukup menyiapkan sejumlah dana untuk uang muka dan biaya pengurusan kredit rumah, maka tempat tinggal impian pun bisa didapatkan.

Namun, ketika sudah memutuskan beli rumah dengan KPR, Anda harus berkomitmen melunasi kredit tersebut sesuai tenggat waktu yang ditetapkan bank.

Jangan sampai mangkir dari kewajiban membayar cicilan, sebab ada konsekuensi yang harus ditanggung jika terlambat membayar cicilan KPR.

Lantas, apa konsekuensi telat bayar KPR? Simak ulasan lengkapnya di bawah ini.

Seluk-beluk mengenai telat bayar KPR:

Konsekuensi Telat Bayar KPR

Konsekuensi telat membayar cicilan KPR adalah sanksi berupa denda yang dikenakan kepada debitur alias penerima kredit.

Jumlah denda yang dikenakan bisa berbeda bagi setiap debitur, sebab perhitungannya ditetapkan berdasarkan jumlah hari keterlambatan.

Semakin lama Anda menunggak cicilan, maka semakin besar denda yang dikenakan.

Namun, biasanya denda dipatok antara 0,5–1% per hari dari jumlah cicilan per bulan, kemudian dikalikan dengan jumlah hari keterlambatan.

Misalnya Anda mengajukan KPR untuk membeli rumah di Podomoro Park Bandung.

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Anggap jika cicilan yang harus dibayar adalah Rp5.587.150 per bulan tiap tanggal 25.

Kemudian, karena ada kebutuhan mendesak, Anda tidak bisa membayar cicilan pada tanggal 30 atau 5 hari setelah tenggat pembayaran kredit.

Karena keterlambatan tersebut, Anda pun dikenakan denda 1% dari jumlah cicilan.

Jika dikalkulasikan, maka denda telat bayar KPR yang harus dibayarkan adalah:

Rp5.587.150 x 1% x 5 = Rp279.357.

Nah, denda tersebut harus dibayar berbarengan dengan setoran cicilan per bulan, ya.

Prosedur Sanksi Telat Bayar KPR

Sebenarnya, denda hanya salah satu konsekuensi awal dari keterlambatan cicilan KPR.

Apabila nasabah tidak kunjung membayar denda beserta cicilan tersebut, maka bank bisa menyatakan status gagal bayar pada kredit yang diajukan.

Konsekuensi dari KPR yang statusnya gagal bayar adalah penyitaan atas rumah yang tercatat sebagai agunan kredit.

Namun, ada beberapa prosedur yang akan dilakukan bank sebelum mengubah status debitur dan melakukan penyitaan rumah, yakni:

1. Pemberitahuan melalui Telepon atau SMS

Demi mencegah nasabah mengalami telat bayar cicilan KPR, bank biasanya akan mengirimkan semacam pemberitahuan terkait kewajiban Anda membayar cicilan.

Pemberitahuan biasanya dikirimkan seminggu sebelum jatuh tempo melalui pesan singkat atau surat elektronik.

2. Surat Teguran

Jika sudah ada pemberitahuan dan nasabah tetap telat bayar cicilan, bank akan mengirimkan surat teguran kepada nasabah.

Ketika surat ini diberikan, sebenarnya pihak bank masih memberi kesempatan kepada nasabah untuk memenuhi kewajibannya.

3. Surat Peringatan Pertama

Selanjutnya, apabila nasabah mengabaikan surat teguran yang dikirimkan, bank akan melakukan tindak lanjut dengan mengirim Surat Peringatan Pertama (SP1).

Bagi yang belum tahu, surat ini berisi teguran lebih keras yang biasanya akan dikirimkan sebanyak tiga kali berturut-turut selama 3 minggu.

Selain itu, status kredit nasabah pun akan diturunkan oleh bank dari status “Kredit dalam Perhatian Khusus” menjadi “Kredit Kurang Lancar”.

Simulasi Kemampuan KPR

Cari tahu kemampuan cicilan KPR berdasarkan penghasilan.

Pilih Tipe Pekerjaan

Hasil Simulasi

Memuat hasil simulasi…

Harga Properti Maksimal Rp. 3.673.377.053

Angsuran maksimal yang disarankan Rp. 30.000.000

Uang muka yang harus disiapkan Rp. 734.675.411

*Hasil berdasarkan suku bunga terendah di Rumah123, dan asumsi kamu tidak memiliki cicilan bulanan lain yang berjalan saat ini.

4. Surat Peringatan Kedua

Bila SP1 tidak juga ditanggapi oleh nasabah, bank akan memberi Surat Peringatan Kedua (SP2) 2–3 minggu kemudian.

Status kredit nasabah pun akan diturunkan menjadi “Kredit yang Diragukan”.

Selain mengirimkan SP2, bank juga akan memberi tagihan KPR yang belum dibayar beserta bunga dan dendanya, sekaligus penalti dalam jumlah yang cukup besar.

Namun, pada tahap ini Anda masih bisa “menyelamatkan” KPR tersebut lewat refinancing, restructuring, maupun rescheduling.

5. Surat Peringatan Ketiga

Jika surat peringatan 1 dan 2 sudah dikirimkan tapi nasabah masih abai, maka bank akan kembali mengirim surat peringatan yang ke-3 alias SP3.

Terbitnya SP3 membuat status kredit nasabah menjadi “Kredit Macet”.

Pihak bank juga akan memberi opsi kepada nasabah untuk menjual rumah dengan waktu terbatas, agar bisa melunasi tunggakan kreditnya.

Apabila solusi tersebut masih diabaikan, bank akan melakukan penyitaan terhadap aset rumah KPR.

Dalam hal ini, bank sebagai pemegang hak tanggungan jaminan memiliki hak untuk melakukan tindakan penyitaan aset jaminan.

Hal tersebut sesuai dengan UU No.4 Tahun 1996 pasal 6 tentang Hak Tanggungan Atas Tanah Beserta Benda-Benda yang berkaitan dengan Tanah.

Namun, sebelum itu terjadi, biasanya bank masih akan melakukan proses negosiasi dengan beberapa alternatif solusi, seperti:

Negosiasi untuk penjadwalan ulang
Menawarkan over-credit pada nasabah baru
Menyita rumah untuk kemudian dilelang.

Poin ketiga merupakan sebuah konsekuensi akhir karena nasabah dianggap telah gagal memenuhi perjanjian kredit.

Bagaimana Jika Telat Bayar KPR 1 Bulan?

Foto: Ideal

Mari kita buat contoh kasus, misalnya ada seorang pria berusia 35 tahun yang mengambil rumah KPR melalui Bank OCBC NISP.

Saat kreditnya memasuki masa floating, ia mulai kesulitan untuk membayar cicilan.

Tunggakannya berlangsung mulai dari sehari, seminggu, sebulan, hingga 2 bulan.

Berdasarkan skenario di atas, begini skema jika telat bayar KPR 1 hari sampai 2 bulan:

Telat bayar bank 1 hari: Biasanya, bank akan mengenakan denda keterlambatan sampai 1% dari cicilan bulanan.
Telat bayar bayar bank 1 minggu: Jika belum membayar cicilan selama seminggu, maka denda berjalan akan terus dikenakan bersama tunggakannya.
Telat bayar bank 1 bulan: Nasabah akan mendapatkan surat peringatan dari bank karena melebihi batas waktu tunggakan.
Telat bayar bayar bank 2 bulan: Setelah mendapatkan SP 3 dan negosiasi gagal, maka besar kemungkinan rumah tersebut akan disita.

Dapat disimpulkan bahwa bank memiliki hak untuk meminta debitur melunasi cicilannya sampai akhir bulan yang bersangkutan, atau sampai kredit dinyatakan macet.

Jika memang mengalami kesulitan sampai mengalami telat bayar KPR, maka berikut beberapa langkah yang bisa dilakukan.

Cara Mengatasi Telat Bayar Cicilan KPR

Ada banyak faktor yang membuat orang telat atau gagal melunasi cicilan KPR-nya.

Kebanyakan disebabkan oleh kondisi finansial yang memburuk, sehingga nasabah tidak lagi memiliki kemampuan untuk melunasi cicilan KPR.

Dalam kondisi ini, kebanyakan nasabah biasanya akan menjual rumahnya agar bisa melunasi cicilan tersebut.

Namun, jika berniat untuk mempertahankan rumah tersebut, maka datangi bank terkait dan jelaskan duduk persoalan yang membuat Anda kesulitan membayar cicilan.

Negosiasikan jalan keluarnya, biasanya bank akan memberikan sejumlah opsi agar Anda tidak dinyatakan gagal bayar dan bisa mempertahankan rumah tersebut.

Berikut sejumlah opsi yang bisa Anda tempuh:

1. Rescheduling

Rescheduling bisa diartikan sebagai penjadwalan ulang pembayaran.

Praktiknya, jadwal cicilan KPR bisa diatur kembali sesuai dengan hitungan petugas bank dan kemampuan Anda.

Penjadwalan mencakup perpanjangan periode kredit (tenor) dan masa tenggang pembayaran cicilan (grace period).

Selama masa tenggang ini, nasabah diperbolehkan menunda pembayaran cicilan tanpa terkena denda atau penalti.

Simulasi KPR Bank OCBC

Hitung pembiayaan KPR Bank OCBC dengan bunga terbaik di Rumah123

Angsuran/bulan mulai dari

Memuat hasil simulasi…

Tahun ke-4 dan Seterusnya

Estimasi Bunga 12%

Rp. 2.539.642

2. Reconditioning

Reconditioning atau persyaratan kembali adalah upaya untuk menetapkan syarat ulang terkait jadwal pembayaran hingga penetapan suku bunga KPR.

Misalnya dari floating menjadi fixed untuk beberapa bulan, lalu floating lagi setelahnya. Keringanan bunga juga bisa diberlakukan lewat proses ini.

3. Restructuring

Bila penjadwalan ulang dan penetapan syarat ulang tidak cukup membantu, tata besaran suku bunga serta tunggakan bunga dan pokok kredit.

Contohnya, suku bunga diturunkan dari 10% menjadi 9%.

Tunggakan bunga juga mungkin bisa dihapus sehingga tersisa pokoknya saja.

Tidak hanya dilakukan secara terpisah, Anda bisa juga mengombinasikan semua cara di atas lewat negosiasi lebih lanjut dengan pihak bank.

Tentu saja, bank akan menilai kemampuan bayar Anda sebelum memberi keringanan.

Jika bank menilai Anda sulit dalam memenuhi janji, maka permohonan keringanan kemungkinan besar akan ditolak.

Pada saat itu, mungkin cara terbaik yang bisa ditempuh adalah menjual rumah sendiri alias over kredit rumah sebelum disita bank.

Nah, itulah berbagai konsekuensi yang akan diterima jika telat bayar KPR.

Punya pertanyaan lain seputar properti? Yuk, diskusikan di Teras123!

Semoga ulasan di atas bermanfaat, ya.

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Septian Nugraha 5 min read

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