{"id":2600,"date":"2022-09-09T14:33:56","date_gmt":"2022-09-09T07:33:56","guid":{"rendered":"https:\/\/linebank.co.id\/blog\/?p=2600"},"modified":"2022-09-09T14:33:58","modified_gmt":"2022-09-09T07:33:58","slug":"mengenal-arti-suku-bunga-dan-jenis-jenisnya","status":"publish","type":"post","link":"https:\/\/linebank.co.id\/blog\/gaya-hidup\/mengenal-arti-suku-bunga-dan-jenis-jenisnya\/","title":{"rendered":"Mengenal Arti Suku Bunga dan Jenis-jenisnya"},"content":{"rendered":"\n
\"Suku<\/figure>\n\n\n\n

Sobat LINE Bank kamu pasti sudah tidak asing lagi dengan suku bunga. Tetapi jangan salah Sobat, masih banyak dari masyarakat yang mungkin belum mengenal lebih dekat dengan apasih arti suku bunga bank. Sebelum mengenal lebih jauh terkait produk maupun layanan di perbankan, ada baiknya Sobat mengenal terlebih dahulu apa itu suku bunga bank.<\/p>\n\n\n\n

Secara sederhana, arti suku bunga bank sebagai balas jasa yang diberikan bank kepada nasabah yang membeli atau menjual produknya. Bunga juga dapat diartikan sebagai harga yang harus dibayarkan oleh bank kepada nasabah (yang memiliki simpanan) dan harga yang harus dibayar oleh nasabah kepada bank (jika nasabah yang memperoleh fasilitas pinjaman). <\/p>\n\n\n\n

Di dalam industri perbankan, terdapat 5 (lima) jenis suku bunga, yaitu:<\/p>\n\n\n\n

1.    Suku bunga tetap (fixed<\/em>)<\/strong><\/h2>\n\n\n\n

Suku bunga tetap atau fixed <\/em>adalah suku bunga yang bersifat tetap dan tidak berubah sampai jangka waktu atau sampai dengan tanggal jatuh tempo (selama jangka waktu kredit).<\/p>\n\n\n\n

Contohnya adalah bunga KPR Rumah Murah atau Rumah Bersubsidi yang menerapkan suku bunga tetap. Selain itu, suku bunga tetap juga dapat digunakan dalam kredit kendaraan bermotor juga.<\/p>\n\n\n\n

2.    Suku bunga mengambang (floating<\/em>)<\/strong><\/h2>\n\n\n\n

Suku bunga mengambang adalah suku bunga yang selalu berubah mengikuti suku bunga di pasaran. Jika suku bunga di pasaran naik, maka suku bunganya juga ikut naik, begitupun sebaliknya.<\/p>\n\n\n\n

Contohnya adalah suku bunga KPR untuk periode tertentu. Misalnya untuk dua tahun pertama diberlakukan suku bunga tetap, namun periode selanjutnya menggunakan suku bunga mengambang. <\/p>\n\n\n\n

3.    Suku bunga flat<\/em><\/strong><\/h2>\n\n\n\n

Suku bunga flat <\/em>adalah suku bunga yang penghitungannya mengacu pada jumlah pokok pinjaman di awal untuk setiap periode cicilan. Penghitungannya sangat sederhana dibandingkan dengan suku bunga lainnya, sehingga umumnya digunakan untuk kredit jangka pendek untuk barang-barang konsumsi seperti handphone<\/em>, peralatan rumah tangga, motor atau Kredit Tanpa Agunan (KTA). <\/p>\n\n\n\n

Rumus perhitungannya adalah<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

4.    Suku bunga efektif<\/strong><\/h2>\n\n\n\n

Suku bunga efektif adalah suku bunga yang diperhitungkan dari sisa jumlah pokok pinjaman setiap bulan seiring dengan menyusutnya utang yang sudah dibayarkan. Artinya semakin sedikit pokok pinjaman, semakin sedikit juga suku bunga yang harus dibayarkan. Suku bunga efektif dianggap lebih adil bagi nasabah dibandingkan dengan menggunakan suku bunga flat<\/em>. Pasalnya suku bunga flat hanya berdasarkan jumlah awal pokok pinjaman saja. <\/p>\n\n\n\n

Rumus perhitungan bunga:<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Nahhh, itu dia pengertian dan jenis-jenis suku bunga Bank. Nah sebelum kamu memulai menabung atau berinvestasi, kamu bisa juga nih memiliki rekening LINE Bank secara online. Caranya mudah banget lho, kamu tinggal download Aplikasi LINE Bank di Handphone mu<\/a>!<\/p>\n\n\n\n

Ingat selalu sebelum menjadi konsumen produk keuangan, pahami dulu produk keuangan beserta jenis bunga yang digunakan yaa!<\/p>\n\n\n\n

Baca juga : Apa Itu Deposito dan Manfaat Investasi Deposito?<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Sobat LINE Bank kamu pasti sudah tidak asing lagi dengan suku bunga. Tetapi jangan salah Sobat, masih banyak dari masyarakat yang mungkin belum mengenal lebih dekat dengan apasih arti suku bunga bank. Sebelum mengenal lebih jauh terkait produk maupun layanan di perbankan, ada baiknya Sobat mengenal terlebih dahulu apa itu suku bunga bank. Secara sederhana, […]<\/p>\n","protected":false},"author":3,"featured_media":2625,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[86],"tags":[875,876,833,874],"ppma_author":[838],"class_list":["post-2600","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gaya-hidup","tag-arti-suku-bunga","tag-interest-rate","tag-line-bank","tag-suku-bunga"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":6}},"yoast_head":"\nMengenal Arti Suku Bunga dan Jenis-jenisnya | LINE Bank Blog<\/title>\n<meta name=\"description\" content=\"Sebelum mengenal lebih jauh terkait produk maupun layanan di perbankan, ada baiknya Sobat mengenal terlebih dahulu apa arti suku bunga bank.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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