{"id":284471,"date":"2026-06-12T10:04:08","date_gmt":"2026-06-12T03:04:08","guid":{"rendered":"https:\/\/nawacita.co\/?p=284471"},"modified":"2026-06-12T09:42:17","modified_gmt":"2026-06-12T02:42:17","slug":"bi-rate-naik-cicilan-kpr-berpotensi-membengkak","status":"publish","type":"post","link":"https:\/\/nawacita.co\/index.php\/2026\/06\/12\/bi-rate-naik-cicilan-kpr-berpotensi-membengkak\/","title":{"rendered":"BI Rate Naik, Cicilan KPR Berpotensi Membengkak"},"content":{"rendered":"<h1>BI Rate Naik, Cicilan KPR Berpotensi Membengkak<\/h1>\n<p><strong>Jakarta, <a href=\"https:\/\/nawacita.co\">Nawacita<\/a><\/strong> | Bank Indonesia (BI) menaikkan suku bunga acuan atau BI Rate menjadi 5,50 persen. Kenaikan itu bisa membuat suku bunga kredit pemilikan rumah (KPR) naik sehingga cicilannya pun dapat bertambah mahal.<\/p>\n<p>Pengamat Perbankan &amp; Praktisi Sistem Pembayaran Arianto Muditomo menjelaskan kenaikan BI Rate dapat menaikkan bunga KPR. Hal itu menambah biaya dana perbankan sehingga mendorong bank untuk menaikkan suku bunga.<\/p>\n<p>&#8220;Dampak ini terjadi karena kenaikan BI Rate biasanya meningkatkan biaya dana perbankan yang kemudian diteruskan secara bertahap ke bunga kredit, termasuk KPR,&#8221; kata Arianto, Rabu (10\/6\/2026).<\/p>\n<p>Menurutnya, kenaikan BI Rate sebesar 25 basis poin atau 0,25 persen berpotensi membuat bunga KPR floating berpotensi naik sekitar 0,25-0,50 persen. Angka kenaikan tergantung kondisi likuiditas dan biaya dana perbankan.<\/p>\n<p>Akibat kenaikan suku bunga, nasabah KPR berpotensi mengalami kenaikan cicilan. Sebagai ilustrasi, Arianto mensimulasikan kenaikan cicilan KPR.<\/p>\n<p><strong>Baca Juga:\u00a0<a href=\"https:\/\/nawacita.co\/index.php\/2026\/06\/11\/bank-indonesia-perluas-lelang-repo-12-bulan-jaga-likuiditas-stabilkan-rupiah\/\">Bank Indonesia Perluas Lelang Repo 12 Bulan, Jaga Likuiditas &amp; Stabilkan Rupiah<\/a><\/strong><\/p>\n<p>Misalkan seseorang membeli rumah Rp 750 juta. Rumah itu dibeli dengan mengambil KPR dengan tenor 15 tahun dan bunga 10 persen.<\/p>\n<p>Cicilan KPR itu sekitar Rp 8,05 juta per bulan. Jika bunga naik menjadi 10,5 persen, cicilan meningkat menjadi sekitar Rp 8,26 juta per bulan atau bertambah sekitar Rp 210 ribu per bulan. Pada plafon kredit yang lebih besar atau tenor yang lebih panjang, kenaikan cicilan akan semakin terasa.<\/p>\n<p>Terpisah, Head of Research Colliers Indonesia, Ferry Salanto memberikan simulasi cicilan KPR pembelian rumah Rp 1 miliar. Asumsikan suku bunga KPR efektif sebesar 9 persen naik menjadi 9,25 persen. Dari hitungan itu kita bisa dapatkan cicilan bulanan meningkat sekitar Rp 150.000-200.000 per bulan.<\/p>\n<p>Apabila suku bunga naik jadi 9,5 persen, hitungan cicilan dapat meningkat sekitar Rp 300.000-400.000 per bulan.<strong> dtk<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BI Rate Naik, Cicilan KPR Berpotensi Membengkak Jakarta, Nawacita | Bank Indonesia (BI) menaikkan suku bunga acuan atau BI Rate menjadi 5,50 persen. Kenaikan itu bisa membuat suku bunga kredit pemilikan rumah (KPR) naik sehingga cicilannya pun dapat bertambah mahal. Pengamat Perbankan &amp; Praktisi Sistem Pembayaran Arianto Muditomo menjelaskan kenaikan BI Rate dapat menaikkan bunga [&hellip;]<\/p>\n","protected":false},"author":1459,"featured_media":284472,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[17432,112537,31205,23674,61146],"class_list":{"0":"post-284471","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ekonomi-dan-bisnis","8":"tag-bank-indonesia-bi","9":"tag-bi-rate","10":"tag-cicilan-kpr","11":"tag-kpr","12":"tag-suku-bunga-acuan"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>BI Rate Naik, Cicilan KPR Berpotensi Membengkak<\/title>\n<meta name=\"description\" content=\"Jakarta, Nawacita | Bank Indonesia (BI) menaikkan suku bunga acuan atau BI Rate menjadi 5,50 persen. 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