{"id":12804,"date":"2026-04-27T13:02:00","date_gmt":"2026-04-27T06:02:00","guid":{"rendered":"https:\/\/portalutama.net\/index.php\/2026\/04\/27\/ramai-warganet-keluhkan-kpr-bagaimana-sistem-yang-sebenarnya-di-indonesia\/"},"modified":"2026-04-27T13:02:00","modified_gmt":"2026-04-27T06:02:00","slug":"ramai-warganet-keluhkan-kpr-bagaimana-sistem-yang-sebenarnya-di-indonesia","status":"publish","type":"post","link":"https:\/\/portalutama.net\/index.php\/2026\/04\/27\/ramai-warganet-keluhkan-kpr-bagaimana-sistem-yang-sebenarnya-di-indonesia\/","title":{"rendered":"Ramai Warganet Keluhkan KPR, Bagaimana Sistem yang Sebenarnya di Indonesia?"},"content":{"rendered":" \r\n<br><img decoding=\"async\" src=\"https:\/\/fajar.co.id\/wp-content\/uploads\/2026\/04\/Screenshot_2026-04-27-13-57-13-555-edit_com.instagram.android.webp\" \/><br><div>\n\t\t\t\n\n\n\n\n<p class=\"wp-block-paragraph\">PORTALUTAMA.NET,JAKARTA \u2014 Warganet ramai mengeluhkan Kredit Perumahan Rakyat (KPR). Ada yang menyebutnya jebakan hingga riba.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Keluhan itu diunggah akun Insagram @gedflip. Berisi tangkapan layar keluhan warganet di Threads.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ada yang curhat jumlah pinjamannya, Rp 278 juta. Tagihan pokoknya Rp371 jutaan, tagihan bunga: Rp 1,8 jutaan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cKenapa dlu bisa terlalu polos dan bodoc*h dan ngebet pengen langsung punya rumah sih? Kenapa ga punya pemikiran kayak skrg kalo ngontrak pun ga bakal bikin hiduplu berheentiiii\ud83d\ude2d tiap bulan bayar 2,2jt, kebayar 370anribu doang, sisanya bunga,\u201d kata warganet tersebut.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201ckak sama lg bank kita<br\/>ayo nangis,\u201d kata warganet lain yang total tagihan per bulannya mencapai Rp4,1 jutaan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ada pula yang bunganya tidak besar. Tapi tetap mengeluh karena durasi cicilannya lama.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cKak samaaaa, aku emg ga begitu gede bunganya tapiii jujur ngerasa lama bgt bgt \ud83d\ude42 sisa 10thn 5bulan lagi luamakkkk wkwkw,\u201d ucapnya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Apa Itu KPR dan Bagaimana Sistemnya?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pada dasarnya, KPR pinjaman dari bank untuk membeli rumah. Rumah yang dibeli itu jadi jaminan sampai utangnya lunas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Secara umum, proses KPR dimulai saat calon pembeli memilih rumah dan bank. Setelah itu, bank akan menilai dokumen, kemampuan bayar, dan objek rumah yang akan dibiayai.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tahapan itu juga tercermin dalam aturan Bank Indonesia. Dalam SE BI Nomor 12\/38\/DPNP, bank wajib memisahkan sedikitnya lima proses, yaitu penawaran, analisis permohonan, pengambilan keputusan, akad kredit, dan pencairan KPR.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Di tahap awal, bank biasanya melihat identitas dan penghasilan calon debitur. Bank juga memeriksa riwayat kredit untuk menilai kemampuan bayar dan tingkat risiko.<\/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\/ramai-warganet-keluhkan-kpr-bagaimana-sistem-yang-sebenarnya-di-indonesia\/\">Source link <\/a>","protected":false},"excerpt":{"rendered":"<p>PORTALUTAMA.NET,JAKARTA \u2014 Warganet ramai mengeluhkan Kredit Perumahan Rakyat (KPR). Ada yang menyebutnya jebakan hingga riba. Keluhan itu diunggah akun Insagram<\/p>\n","protected":false},"author":2,"featured_media":12805,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-12804","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"magazineBlocksPostFeaturedMedia":{"thumbnail":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/Screenshot_2026-04-27-13-57-13-555-edit_com.instagram.android.webp-150x150.webp","medium":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/Screenshot_2026-04-27-13-57-13-555-edit_com.instagram.android.webp-300x233.webp","medium_large":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/Screenshot_2026-04-27-13-57-13-555-edit_com.instagram.android.webp-768x596.webp","large":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/Screenshot_2026-04-27-13-57-13-555-edit_com.instagram.android.webp-1024x795.webp","1536x1536":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/Screenshot_2026-04-27-13-57-13-555-edit_com.instagram.android.webp.webp","2048x2048":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/Screenshot_2026-04-27-13-57-13-555-edit_com.instagram.android.webp.webp","colormag-highlighted-post":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/Screenshot_2026-04-27-13-57-13-555-edit_com.instagram.android.webp-392x272.webp","colormag-featured-post-medium":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/Screenshot_2026-04-27-13-57-13-555-edit_com.instagram.android.webp-390x205.webp","colormag-featured-post-small":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/Screenshot_2026-04-27-13-57-13-555-edit_com.instagram.android.webp-130x90.webp","colormag-featured-image":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/Screenshot_2026-04-27-13-57-13-555-edit_com.instagram.android.webp-800x445.webp","colormag-default-news":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/Screenshot_2026-04-27-13-57-13-555-edit_com.instagram.android.webp-150x150.webp","colormag-featured-image-large":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/Screenshot_2026-04-27-13-57-13-555-edit_com.instagram.android.webp-1200x600.webp"},"magazineBlocksPostAuthor":{"name":"Redaksi","avatar":"https:\/\/secure.gravatar.com\/avatar\/b7471c990eaf3bbb9eb8588768e7506fe3240b053ad738bae905f94f0ebd1eb0?s=96&d=mm&r=g"},"magazineBlocksPostCommentsNumber":"0","magazineBlocksPostExcerpt":"PORTALUTAMA.NET,JAKARTA \u2014 Warganet ramai mengeluhkan Kredit Perumahan Rakyat (KPR). Ada yang menyebutnya jebakan hingga riba. Keluhan itu diunggah akun Insagram","magazineBlocksPostCategories":["News"],"magazine_blocks_featured_image_url":{"full":["https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/Screenshot_2026-04-27-13-57-13-555-edit_com.instagram.android.webp.webp",1200,932,false],"medium":["https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/Screenshot_2026-04-27-13-57-13-555-edit_com.instagram.android.webp-300x233.webp",300,233,true],"thumbnail":["https:\/\/portalutama.net\/wp-content\/uploads\/2026\/04\/Screenshot_2026-04-27-13-57-13-555-edit_com.instagram.android.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\/12804","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=12804"}],"version-history":[{"count":0,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/posts\/12804\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/media\/12805"}],"wp:attachment":[{"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/media?parent=12804"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/categories?post=12804"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/tags?post=12804"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}