Inilah Bank Pemberi KPR Murah dibawah 10 persen Tahun 2015
Berikut ini 10 bank pemberi KPR Murah dibawah 10 persen hingga akhir Februari 2014:
- BPD Kalteng (9,98%)
- Bank Maluku (9,84%)
- Bank Hana (9,75%)
- BPD Sulawesi Selatan dan Sulawesi Barat (9,63%)
- BPD Jambi (9,47%)
- BPD Jawa Timur (9,02%)
- BPD Nusa Tenggara Timur (8,87%)
- BPD Jawa Tengah (7,81%)
- BPD Sulawesi Tenggara (7,44%)
- BPD Yogyakarta (7,21%)
Sedangkan, suku bunga KPR tertinggi diterapkan Bank Yudha Bhakti (16,5%) dan Bank Kesawan (16%). Sementara bank-bank pemerintah masih menerapkan suku bunga KPR di atas 10% yakni Bank BRI (10,25%), Bank Mandiri (11%), Bank BNI (11,10%) dan Bank BTN (11,50%).
baca : Download Tabel Angsuran KPR BTN Sejahtera FLPP 2015
Suku Bunga Dasar Kredit Data Posisi Akhir Februari 2015
Nama Bank |
Suku Bunga Dasar Kredit (%) |
||||
Kredit | Kredit | Kredit | Kredit Konsumsi | ||
Korporasi | Ritel | Mikro | KPR |
Non KPR |
|
PT BANK MANDIRI (PERSERO), Tbk | 10.50 | 12.50 | 19.50 | 11.00 | 12.50 |
PT BANK RAKYAT INDONESIA (PERSERO), Tbk | 11.00 | 11.75 | 19.25 | 10.25 | 12.50 |
PT BANK CENTRAL ASIA, Tbk | 10.25 | 11.50 | – | 10.25 | 8.63 |
PT BANK NEGARA INDONESIA (PERSERO), Tbk | 11.00 | 12.35 | – | 11.10 | 13.25 |
PT BANK CIMB NIAGA, Tbk | 11.50 | 12.25 | 19.75 | 11.50 | 12.00 |
PT BANK PERMATA, Tbk | 12.00 | 12.50 | – | 12.50 | 12.25 |
PT PAN INDONESIA BANK, Tbk | 11.85 | 12.11 | 20.44 | 12.11 | 12.11 |
PT BANK DANAMON INDONESIA, Tbk | 12.30 | 13.25 | 20.81 | 12.25 | 17.50 |
PT BANK TABUNGAN NEGARA (PERSERO), Tbk | 10.85 | 12.25 | 18.75 | 11.50 | 12.00 |
PT BANK INTERNASIONAL INDONESIA, Tbk | 11.00 | 12.00 | 18.30 | 11.50 | 11.50 |
THE BANK OF TOKYO MITSUBISHI UFJ LTD | 6.65 | – | – | – | – |
PT BANK OCBC NISP, Tbk | 11.50 | 12.25 | – | 12.75 | 12.75 |
THE HONGKONG AND SHANGHAI BANKING CORP | 10.25 | 10.25 | – | 10.25 | – |
PT BANK UOB INDONESIA | 12.79 | 14.59 | – | 12.47 | – |
PT BPD JAWA BARAT DAN BANTEN, Tbk | 10.79 | 11.70 | 20.70 | 10.66 | 10.34 |
PT BANK BUKOPIN, Tbk | 13.45 | 14.39 | 16.32 | 13.22 | 13.18 |
PT BANK TABUNGAN PENSIUNAN NASIONAL, Tbk | – | 17.15 | 20.78 | – | 18.39 |
STANDARD CHARTERED BANK | 10.15 | – | – | 10.11 | – |
PT BANK DBS INDONESIA | 12.17 | 13.02 | – | 10.51 | – |
CITIBANK NA | 9.75 | 10.00 | – | – | 11.25 |
PT BANK MEGA, Tbk | 13.50 | 18.00 | – | 14.00 | 14.50 |
PT BANK SUMITOMO MITSUI INDONESIA | 8.75 | – | – | – | – |
PT. BPD JAWA TIMUR | 8.10 | 10.52 | 12.18 | 9.02 | 9.94 |
PT BPD JAWA TENGAH | 8.02 | 8.43 | 7.99 | 7.81 | 12.45 |
PT BANK ICBC INDONESIA | 12.25 | 11.50 | – | 10.50 | 12.50 |
PT BANK MIZUHO INDONESIA | 9.65 | – | – | – | – |
PT ANZ PANIN BANK | 10.03 | 11.06 | – | 12.17 | 13.17 |
PT BPD DKI | 11.00 | 12.50 | 19.00 | 11.50 | 12.00 |
PT BANK MAYAPADA INTERNATIONAL, Tbk | 13.63 | 13.76 | 15.87 | 13.59 | 13.79 |
DEUTSCHE BANK AG. | 9.75 | – | – | – | – |
PT BANK EKONOMI RAHARJA, Tbk | 11.25 | 12.25 | – | 12.25 | – |
PT BPD SUMATERA UTARA | 11.05 | 13.81 | 18.37 | 12.97 | 16.68 |
BPD KALIMANTAN TIMUR | 12.54 | 13.54 | 13.54 | 13.04 | 12.54 |
PT BANK ARTHA GRAHA INTERNASIONAL, Tbk | 13.45 | 13.45 | 15.18 | 13.45 | 13.45 |
PT BPD PAPUA | 10.66 | 11.16 | 16.52 | 11.68 | 16.05 |
PT BANK SINARMAS, Tbk | 12.34 | 12.34 | 12.34 | – | 12.34 |
PT BANK COMMONWEALTH | 11.50 | 12.00 | – | 12.50 | 13.00 |
PT BPD RIAU DAN KEPULAUAN RIAU | 12.60 | 12.65 | 20.32 | 13.17 | 13.27 |
THE BANGKOK BANK COMP. LTD | 11.73 | – | – | – | – |
PT BANK HANA | 9.25 | 10.00 | 10.50 | 9.75 | 10.75 |
PT. BANK KESAWAN, Tbk | 13.50 | 15.50 | 16.00 | 16.00 | 16.00 |
JP. MORGAN CHASE BANK, N.A. | 8.01 | – | – | – | – |
PT BANK VICTORIA INTERNATIONAL, Tbk | 13.50 | 14.00 | 15.50 | 12.25 | 14.50 |
PT BPD SUMATERA BARAT | 11.00 | 11.50 | 14.00 | 12.00 | 12.00 |
PT BANK ACEH | 12.08 | 12.08 | 12.08 | 12.08 | 12.08 |
PT BPD BALI | 10.57 | 12.10 | 11.26 | 12.01 | 13.33 |
BANK OF CHINA LIMITED | 6.53 | 6.53 | 6.53 | – | – |
PT BPD SUMATERA SELATAN DAN BANGKA BELITUNG | 11.00 | 13.00 | 15.00 | 12.25 | 12.00 |
PT BANK RABOBANK INTERNATIONAL INDONESIA | 11.25 | 13.00 | – | 13.00 | 14.00 |
PT BANK RESONA PERDANIA | 8.97 | – | – | – | – |
PT BPD SULAWESI SELATAN DAN SULAWESI BARAT | 10.63 | 11.13 | 11.85 | 9.63 | 13.56 |
PT. BANK MUTIARA, Tbk. | 13.50 | 14.00 | 22.50 | 13.50 | 14.50 |
BPD KALIMANTAN BARAT | 11.04 | 11.04 | 11.04 | 11.04 | 11.04 |
PT BPD SULAWESI UTARA | 12.00 | 12.00 | 12.00 | 11.00 | 12.00 |
PT BANK CTBC INDONESIA (d/h PT Bank Chinatrust Ind | 10.77 | 10.96 | – | 10.96 | – |
PT BPD KALIMANTAN SELATAN | 8.37 | 8.87 | 8.87 | 10.87 | 11.37 |
PT BANK PUNDI INDONESIA, Tbk | – | 14.17 | 20.71 | – | – |
PT BANK WINDU KENTJANA INTERNATIONAL, Tbk | 13.87 | 13.87 | – | 13.87 | 13.87 |
PT BANK NUSANTARA PARAHYANGAN,Tbk | 12.77 | 13.67 | 10.64 | 10.89 | 10.74 |
PT BANK ICB BUMIPUTERA, Tbk | 14.26 | 14.29 | 17.02 | 14.15 | 15.48 |
PT BANK HIMPUNAN SAUDARA 1906, Tbk | 12.85 | 18.50 | 18.00 | 13.60 | 16.15 |
PT BPD NUSA TENGGARA TIMUR | 11.60 | 11.61 | 15.27 | 8.87 | 16.56 |
PT BANK BNP PARIBAS INDONESIA | 11.72 | – | – | – | – |
PT BANK CAPITAL INDONESIA, Tbk | 14.50 | 14.50 | 14.50 | 14.50 | 14.50 |
PT BANK MESTIKA DHARMA | 11.13 | 11.88 | 11.88 | 11.48 | 11.78 |
BPD YOGYAKARTA | 7.44 | 7.77 | 7.50 | 7.21 | 8.70 |
PT BPD NUSA TENGGARA BARAT | 10.16 | 11.28 | 10.30 | 10.19 | 15.77 |
PT BPD JAMBI | 9.63 | 9.54 | 9.65 | 9.47 | 11.07 |
PT BANK INDEX SELINDO | 12.12 | 12.62 | 13.12 | 12.12 | 12.62 |
PT BPD LAMPUNG | 8.74 | 8.74 | 8.74 | – | 8.74 |
PT BPD KALTENG | 10.87 | 8.59 | 17.91 | 9.98 | 12.38 |
PT BANK AGRONIAGA, Tbk | 12.41 | 12.41 | – | – | – |
PT BANK WOORI INDONESIA | 12.85 | 18.50 | 18.00 | 13.60 | 16.15 |
PT. BANK MALUKU | 9.84 | 9.84 | 9.84 | 9.84 | 9.84 |
PT BANK NATIONALNOBU | – | 12.00 | – | 10.50 | – |
PT BANK BUMI ARTA, Tbk | 12.26 | 12.63 | 17.50 | 11.98 | 17.03 |
PT BANK JASA JAKARTA | 11.49 | 11.49 | – | 11.24 | 11.24 |
PT BANK OF INDIA INDONESIA, Tbk | 13.93 | 13.93 | 13.93 | 13.93 | 13.93 |
PT BANK MASPION INDONESIA | – | 12.39 | 19.64 | 12.39 | 12.39 |
PT BPD BENGKULU | 10.85 | 10.85 | 10.85 | 10.85 | 10.85 |
PT BANK MAYORA | 12.89 | 13.39 | 14.39 | 13.39 | 13.39 |
THE ROYAL BANK OF SCOTLAND N.V. | 6.93 | – | – | – | – |
PT BPD SULAWESI TENGGARA | 7.43 | 7.82 | 7.54 | 7.44 | 7.57 |
BANK OF AMERICA, N.A | 8.30 | – | – | – | – |
PT. BANK AGRIS | 12.63 | 13.13 | 15.13 | 12.63 | 12.63 |
PT BANK SAHABAT SAMPOERNA | 14.50 | 15.00 | 17.00 | – | 15.75 |
PT BANK MULTIARTA SENTOSA | 12.00 | 12.25 | – | 12.00 | 12.25 |
PT. BPD SULAWESI TENGAH | – | 5.12 | – | – | – |
PT BANK SBI INDONESIA | 12.50 | 13.50 | – | – | – |
PT BANK YUDHA BHAKTI | 14.40 | 15.40 | 17.40 | 16.15 | 16.15 |
PT BANK KESEJAHTERAAN EKONOMI | 15.47 | 15.47 | 15.47 | – | 15.47 |
PT PRIMA MASTER BANK | 15.31 | 15.56 | 16.06 | 15.41 | 15.81 |
PT BANK GANESHA | 12.50 | 13.50 | 15.00 | 12.75 | 13.50 |
PT BANK HARDA INTERNASIONAL | 14.48 | 14.48 | 14.48 | 14.48 | 14.48 |
PT BANK ANTARDAERAH | 13.60 | 14.10 | 15.35 | – | – |
PT BANK INA PERDANA | 13.91 | 13.91 | 15.91 | 13.91 | 15.41 |
PT BANK MITRANIAGA | 14.56 | 14.56 | 14.56 | 14.56 | 14.56 |
PT BANK DINAR INDONESIA | 12.72 | 12.72 | 12.72 | 12.72 | 12.72 |
PT BANK SINAR HARAPAN BALI | – | 14.12 | 22.34 | – | – |
PT BANK ANDARA | 13.31 | – | – | – | – |
PT CENTRATAMA NASIONAL BANK | 14.54 | 15.54 | 17.04 | 14.54 | 17.04 |
PT BANK FAMA INTERNASIONAL | 13.45 | 13.45 | 14.45 | 13.45 | 13.45 |
PT BANK METRO EXPRESS | 11.45 | 11.55 | 11.95 | 11.55 | 11.95 |
PT BANK ARTOS INDONESIA | 15.26 | 15.26 | 15.26 | 15.26 | 15.26 |
PT BANK ROYAL INDONESIA | 11.64 | 11.64 | – | 11.64 | 11.64 |
PT BANK BISNIS INTERNASIONAL | – | 13.18 | – | 11.71 | 12.97 |
PT ANGLOMAS INTERNASIONAL BANK | 11.00 | 12.50 | 16.50 | 12.50 | 13.00 |
Keterangan
- Suku Bunga Dasar Kredit (SBDK) Rupiah adalah suku bunga dasar yang digunakan oleh Bank sebagai acuan dalam penentuan suku bunga kredit Rupiah kepada debitur.
- SBDK belum memperhitungkan Risiko Kredit yang ditanggung Bank. Besarnya Risiko Kredit setiap debitur berbeda tergantung pada penilaian Bank atas Profil Risiko debitur dengan mempertimbangkan kondisi keuangan debitur, prospek pelunasan kredit, prospek sektor industri debitur dan jangka waktu kredit. Dengan demikian, besarnya suku bunga kredit yang dikenakan kepada debitur belum tentu sama dengan SBDK.
- SBDK per Segmen Bisnis :
- SBDK segmen Kredit Korporasi merupakan SBDK untuk debitur segmen Kredit Corporate & Kredit Commercial
- SBDK segmen Kredit Ritel merupakan SBDK untuk debitur segmen Kredit Ritel
- SBDK segmen Kredit Mikro merupakan SBDK untuk debitur segmen Kredit Mikro
- SBDK segmen Kredit Konsumsi KPR merupakan SBDK untuk debitur Kredit Pemilikan Rumah (KPR)
- SBDK segmen Kredit Konsumsi Non KPR merupakan SBDK untuk debitur Kredit Non KPR tidak termasuk Kredit Tanpa Agunan dan Kartu Kredit
- Informasi SBDK yang berlaku setiap saat dapat dilihat pada publikasi di setiap Kantor Cabang Bank