{"id":3952,"date":"2023-07-03T09:24:59","date_gmt":"2023-07-03T02:24:59","guid":{"rendered":"https:\/\/www.nanovest.io/blog\/?p=3952"},"modified":"2025-08-15T00:12:27","modified_gmt":"2025-08-14T17:12:27","slug":"agunan","status":"publish","type":"post","link":"https:\/\/www.nanovest.io/blog\/kamus\/agunan-3952\/","title":{"rendered":"Agunan"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Daftar Isi <\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.nanovest.io/blog\/kamus\/agunan-3952\/#Apa_Itu_Agunan\" >Apa Itu Agunan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.nanovest.io/blog\/kamus\/agunan-3952\/#Fungsi_Agunan\" >Fungsi Agunan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.nanovest.io/blog\/kamus\/agunan-3952\/#Jenis-jenis_Agunan\" >Jenis-jenis Agunan<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.nanovest.io/blog\/kamus\/agunan-3952\/#1_Agunan_Berwujud\" >1. Agunan Berwujud<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.nanovest.io/blog\/kamus\/agunan-3952\/#2_Agunan_Bergerak\" >2. Agunan Bergerak<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.nanovest.io/blog\/kamus\/agunan-3952\/#3_Agunan_Tidak_Bergerak\" >3. Agunan Tidak Bergerak<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.nanovest.io/blog\/kamus\/agunan-3952\/#4_Agunan_Tidak_Berwujud\" >4. Agunan Tidak Berwujud<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.nanovest.io/blog\/kamus\/agunan-3952\/#Investasi_Di_mana_saja_dan_Kapan_saja\" >Investasi Di mana saja dan Kapan saja<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apa_Itu_Agunan\"><\/span><b>Apa Itu Agunan?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Agunan adalah aset berharga (berwujud atau tidak berwujud) yang dijadikan jaminan oleh nasabah atau peminjam. Rumah bisa menjadi jaminan atas pinjaman. Kendaraan seperti mobil misalnya juga bisa dijadikan jaminan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Seseorang yang mendapatkan pembiayaan dari bank dapat menjadikan rumah atau aset berharga lainnya sebagai jaminan untuk mendapatkan pinjaman. Jika terjadi sesuatu atau bisnisnya pailit dan tidak mampu membayar pinjaman, pihak pemberi pinjaman dapat menyita agunan dan menjualnya untuk menutup kerugian.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pengertian agunan dipertegas berdasarkan Undang-Undang Perbankan Nomor 10 Tahun 1998 Pasal 1 ayat 28, tentang Perubahan Atas Undang-Undang Perbankan Nomor 7 Tahun 1992, yang menyatakan bahwa agunan adalah <\/span><i><span style=\"font-weight: 400;\">kemampuan, kesanggupan atau keyakinan pihak nasabah untuk bisa melunasi kewajibannya sesuai dengan apa yang dijanjikannya<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Agunan mempunyai peran penting dalam pinjaman atau pembiayaan multiguna. Agunan tersebut akan dijadikan jaminan untuk pencairan dana yang telah disepakati. Semakin tinggi nilai agunan, akan berpengaruh terhadap besarnya jumlah pinjaman yang diberikan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Umumnya, suku bunga yang diberikan pada pinjaman dengan agunan, lebih rendah dibandingkan tanpa agunan. Pinjaman dengan jaminan agunan memberikan risiko yang lebih rendah dibandingkan tanpa agunan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Agunan bisa berupa apa saja tetap tidak semua aset bisa dijadikan agunan, aset harus memiliki beberapa kriteria. Berikut kriterianya:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Berharga dan memiliki nilai. Aset harus dapat dinilai dengan uang dan dapat ditukar dengan uang.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bisa diperjualbelikan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Memiliki nilai secara sempurna berdasarkan ketentuan dan perundang-undangan yang berlaku. Sehingga dari hasil likuidasi aset tersebut bank memiliki hak didahulukan.<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Fungsi_Agunan\"><\/span><b>Fungsi Agunan<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Fungsi agunan pada pengajuan pinjaman:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Untuk mencegah peminjam lepas tanggung jawab dalam membayar angsuran.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Memberikan motivasi dan peringatan kepada peminjam untuk melunasi pinjamannya dan membayar angsuran sesuai tenggat waktu yang ditentukan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Jaminan pasti yang berlandaskan hukum.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Jika terjadi wanprestasi peminjam mendapatkan hak kepemilikan aset yang dijadikan agunan.<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Jenis-jenis_Agunan\"><\/span><b>Jenis-jenis Agunan<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Sifat agunan sering ditentukan sebelumnya oleh jenis pinjaman. Jenis agunan yang umumnya bisa diterima pemberi pinjaman seperti mobil yang sudah dilunasi, tabungan bank, dan rekening investasi, tidak termasuk rekening pensiun. Gaji juga bisa dijadikan agunan biasanya untuk pinjaman jangka pendek.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Agunan_Berwujud\"><\/span><span style=\"font-weight: 400;\">1. Agunan Berwujud<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Agunan berwujud atau berbentuk merupakan jenis agunan yang bisa dipegang secara nyata, jika memungkinkan bisa dibawa oleh pemberi pinjaman. Agunan berwujud dibagi menjadi dua yaitu agunan bergerak dan agunan tidak bergerak.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Contoh agunan bergerak adalah kendaraan bermotor. Agunan tidak bergerak bisa berupa tanah, rumah atau tempat usaha.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Agunan_Bergerak\"><\/span><span style=\"font-weight: 400;\">2. Agunan Bergerak<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Di Indonesia Jenis agunan kendaraan bermotor merupakan yang paling umum dijadikan jaminan. Jenis kendaraan bermotor seperti mobil, motor, atau truk. Biasanya peminjam (bank atau perusahaan pembiayaan) meminta bukti kepemilikan kendaraannya seperti BPKB, STNK, dan faktur pembelian sebagai persyaratan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Perlu kamu ketahui bahwa, jumlah pinjaman tidak melebihi nilai kendaraan tersebut. Hal tersebut dikarenakan kendaraan memiliki penurunan nilai aset setiap tahunnya (depresiasi). Maksimal nilai yang dapat diberikan adalah 85% dari nilai kendaraan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kendaraan bermotor memiliki jangka waktu pinjaman yang beragam. Agunan berupa BPKB motor, tenor pinjaman lebih pendek dengan mobil.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Agunan_Tidak_Bergerak\"><\/span><span style=\"font-weight: 400;\">3. Agunan Tidak Bergerak<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Rumah, ruko, gedung, gudang dan tanah adalah jenis properti yang bisa dijadikan agunan. Pemberi pinjaman akan meminta sertifikat kepemilikan properti sebagai syarat saat mengajukan pinjaman.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nilai jual properti yang tinggi, memiliki kenaikan setiap tahun, maka jumlah pinjaman yang akan terima juga lebih besar dan jangka waktu pinjaman juga lebih lama dibandingkan dengan agunan berwujud lainnya seperti kendaraan bermotor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sama seperti aset lainnya, properti pun memiliki syarat agar bisa dijadikan agunan. Properti berada di daerah yang memiliki jalan yang mudah diakses, tidak berdekatan dengan sutet, rumah layak huni, dan masih banyak lagi.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Agunan_Tidak_Berwujud\"><\/span><span style=\"font-weight: 400;\">4. Agunan Tidak Berwujud<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Agunan tidak berwujud merupakan aset yang bernilai dan tidak terlihat secara fisik. Umumnya agunan tidak berwujud misalnya seperti deposito, surat berharga, <a href=\"https:\/\/www.nanovest.io/blog\/kamus\/obligasi-4036\/\">obligasi<\/a>, hak kekayaan intelektual, dan lain-lain.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Itulah penjelasan mengenai apa itu agunan, jenis dan syarat agar suatu aset tertentu bisa dijadikan sebagai agunan. Pinjaman dengan agunan bisa menjadi alternatif bagi kamu yang ingin mendapatkan pinjaman dengan suku bunga yang lebih rendah dan plafon yang lebih tinggi dibandingkan dengan kredit tanpa agunan.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Investasi_Di_mana_saja_dan_Kapan_saja\"><\/span><span style=\"font-weight: 400;\">Investasi Di mana saja dan Kapan saja<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Salah satu<\/span><span style=\"font-weight: 400;\"> marketplace aset digital yang memberikan kamu akses untuk investasi saham Amerika Serikat (AS), melakukan transaksi jual beli kripto siap untuk kamu mulai berinvestasi. Investasi di <a href=\"https:\/\/nanovest.go.link?adj_t=1gw8usmw\">Nanovest<\/a> aman, terpercaya, bebas biaya transaksi dan terjamin kami menggunakan sistem enkripsi terbaik agar datamu tetap aman &amp; rahasia. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Banyak pilihan aset kripto dan <a href=\"https:\/\/www.nanovest.io\/saham-amerika\/\">saham AS<\/a>. Buat akun gratis dan mudah, KYC dalam 1 menit!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cari tahu apa itu Agunan, fungsi, contoh, cara kerja dan berbagai hal lainnya yang saling berkaitan hanya di Kamus Investasi Nanovest<\/p>\n","protected":false},"author":1,"featured_media":4095,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[47],"tags":[5,51],"class_list":["post-3952","post","type-post","status-publish","format-standard","has-post-thumbnail","category-kamus","tag-indonesia","tag-kamus-investasi"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Cari tahu apa itu Agunan, fungsi, contoh, cara kerja dan berbagai hal lainnya yang saling berkaitan hanya di Kamus Investasi Nanovest\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Nona dari 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