{"id":12796,"date":"2026-04-27T11:56:05","date_gmt":"2026-04-27T04:56:05","guid":{"rendered":"https:\/\/portalutama.net\/index.php\/2026\/04\/27\/beli-rumah-pakai-bunga-promo-ini-dia-skema-kreatif-yang-ditawarkan\/"},"modified":"2026-04-27T11:56:05","modified_gmt":"2026-04-27T04:56:05","slug":"beli-rumah-pakai-bunga-promo-ini-dia-skema-kreatif-yang-ditawarkan","status":"publish","type":"post","link":"https:\/\/portalutama.net\/index.php\/2026\/04\/27\/beli-rumah-pakai-bunga-promo-ini-dia-skema-kreatif-yang-ditawarkan\/","title":{"rendered":"Beli Rumah Pakai Bunga Promo? Ini dia Skema Kreatif yang Ditawarkan"},"content":{"rendered":" \r\n<br><img decoding=\"async\" src=\"https:\/\/fajar.co.id\/wp-content\/uploads\/2026\/04\/IMG-20260425-WA0057.webp\" \/><br><div>\n\t\t\t\n<p class=\"wp-block-paragraph\">PORTALUTAMA.NET, JAKARTA &#8212; Skema pembayaran kreatif menjadi salah satu cara untuk menjaga minat beli properti di tengah tekanan daya beli masyarakat. Namun, konsumen diminta tetap cermat sebelum mengambil keputusan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Associate Director Bank Artha Graha Internasional, Andy Dharma, mengatakan bunga rendah di awal masa cicilan dapat membantu konsumen masuk ke pasar properti. Tetapi, skema tersebut perlu dipahami secara utuh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hal itu disampaikan Andy dalam Seminar Property Outlook bertajuk \u201cMembaca Arah Perkembangan dan Peluang Pasar Properti di Tahun 2026\u201d yang digelar dalam rangkaian ASG Expo 2026 di Main Atrium PIK Avenue, Jumat (24\/4\/2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cPada awalnya bunga bisa disubsidi melalui promo. Setelah itu, bunga akan kembali ke level normal,\u201d ujar Andy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurut Andy, bunga promo dapat meringankan cicilan pada tahap awal. Namun, pembeli harus menghitung kemampuan membayar setelah periode promo selesai.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ia menyebut konsumen tidak cukup hanya melihat angka cicilan awal. Pembeli juga perlu memahami tenor, bunga lanjutan, biaya tambahan, dan kemampuan keuangan jangka panjang.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cKarena itu, konsumen perlu punya financial planning yang baik sebelum mengambil rumah,\u201d katanya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Andy menambahkan, harga properti juga dipengaruhi faktor lain. Kenaikan biaya material dan tekanan biaya pembangunan ikut menentukan harga jual.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Di sisi lain, ia melihat pasar properti saat ini lebih sehat karena didorong kebutuhan riil. Pembeli tidak lagi hanya mengejar keuntungan cepat dari spekulasi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cSekarang lebih banyak real demand. Bukan lagi spekulator yang hanya masuk sebentar lalu keluar,\u201d ucapnya.<\/p>\n<center\/>\t        \n\n\n\t\t\t<!-- .entry-footer -->\n\t\t<\/div>\r\n<br>\r\n<br><a href=\"https:\/\/fajar.co.id\/2026\/04\/27\/beli-rumah-pakai-bunga-promo-ini-dia-skema-kreatif-yang-ditawarkan\/\">Source link <\/a>","protected":false},"excerpt":{"rendered":"<p>PORTALUTAMA.NET, JAKARTA &#8212; Skema pembayaran kreatif menjadi salah satu cara untuk menjaga minat beli properti di tengah tekanan daya beli<\/p>\n","protected":false},"author":2,"featured_media":12797,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-12796","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"magazineBlocksPostFeaturedMedia":{"thumbnail":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/IMG-20260425-WA0057.webp-150x150.webp","medium":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/IMG-20260425-WA0057.webp-300x225.webp","medium_large":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/IMG-20260425-WA0057.webp-768x576.webp","large":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/IMG-20260425-WA0057.webp-1024x768.webp","1536x1536":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/IMG-20260425-WA0057.webp-1536x1152.webp","2048x2048":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/IMG-20260425-WA0057.webp-2048x1536.webp","colormag-highlighted-post":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/IMG-20260425-WA0057.webp-392x272.webp","colormag-featured-post-medium":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/IMG-20260425-WA0057.webp-390x205.webp","colormag-featured-post-small":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/IMG-20260425-WA0057.webp-130x90.webp","colormag-featured-image":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/IMG-20260425-WA0057.webp-800x445.webp","colormag-default-news":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/IMG-20260425-WA0057.webp-150x150.webp","colormag-featured-image-large":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/IMG-20260425-WA0057.webp-1400x600.webp"},"magazineBlocksPostAuthor":{"name":"Redaksi","avatar":"https:\/\/secure.gravatar.com\/avatar\/b7471c990eaf3bbb9eb8588768e7506fe3240b053ad738bae905f94f0ebd1eb0?s=96&d=mm&r=g"},"magazineBlocksPostCommentsNumber":"0","magazineBlocksPostExcerpt":"PORTALUTAMA.NET, JAKARTA &#8212; Skema pembayaran kreatif menjadi salah satu cara untuk menjaga minat beli properti di tengah tekanan daya beli","magazineBlocksPostCategories":["News"],"magazine_blocks_featured_image_url":{"full":["https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/IMG-20260425-WA0057.webp.webp",2560,1920,false],"medium":["https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/IMG-20260425-WA0057.webp-300x225.webp",300,225,true],"thumbnail":["https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/IMG-20260425-WA0057.webp-150x150.webp",150,150,true]},"magazine_blocks_author":{"display_name":"Redaksi","author_link":"https:\/\/portalutama.net\/index.php\/author\/neno\/"},"magazine_blocks_comment":0,"magazine_blocks_author_image":"https:\/\/secure.gravatar.com\/avatar\/b7471c990eaf3bbb9eb8588768e7506fe3240b053ad738bae905f94f0ebd1eb0?s=96&d=mm&r=g","magazine_blocks_category":"<a href=\"https:\/\/portalutama.net\/index.php\/category\/news\/\" rel=\"category tag\">News<\/a>","_links":{"self":[{"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/posts\/12796","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/comments?post=12796"}],"version-history":[{"count":0,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/posts\/12796\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/media\/12797"}],"wp:attachment":[{"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/media?parent=12796"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/categories?post=12796"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/tags?post=12796"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}