Korban Gengsi Anti Riba : KPR Syariah Lebih Mahal

Do you think the label "riba-free" automatically protects your wallet from installment squeezing? Wake up, bro. The label of religion is often used as a shield to cover up the brutal margin system that secretly sucks your cash flow every month-end. The intention is to avoid loan sharks, but instead, you voluntarily surrender your necks to an even crueler system. Many people only recently realized and regretted taking out a Sharia mortgage because the installments didn't go down when the BI Rate plummeted. In fact, Sharia mortgages are more expensive because the Murabahah contract system locks the selling price at a maximum from the start. If you bother to calculate the margin between Sharia mortgages and the floating BI interest rate, you'll be shocked to see the total cost of a 15-year Sharia mortgage compared to a conventional bank mortgage. It's understandable that many people ask why Sharia mortgages have higher installments than regular mortgages, or whether Sharia mortgages are truly usury-free or just a different name for the interest rate. Check out the difference in conventional mortgage interest rates and the murabahah margin for sharia mortgages. You'll probably reconsider whether sharia mortgages are suitable for employees who barely make ends meet on the minimum wage. Feel free to skip this video if you think you're the smartest and are willing to endure hunger for the prestige of a "sharia home." But don't cry when you try to pay off your debt early; the system will mercilessly force you to pay the full remaining margin, and your cash will be left to die in the walls of your house. #ShariaKPR #MarginTrap #FinancialLiteracy #UsuryFree #MurabahahContract #MortgageEducation #PrestigeVictim #warkoptopimerah #topimerah ⚠️ DISCLAIMER: Consider this channel a 'Coffee Hangout Friend'. I'm not a Financial Shaman. Use your brain, do your own research (DYOR).