{"id":8990,"date":"2025-05-30T09:22:04","date_gmt":"2025-05-30T02:22:04","guid":{"rendered":"https:\/\/ringkas.co.id\/?page_id=8990"},"modified":"2025-05-30T09:27:48","modified_gmt":"2025-05-30T02:27:48","slug":"takeover","status":"publish","type":"page","link":"https:\/\/ringkas.co.id\/en\/takeover\/","title":{"rendered":"Takeover"},"content":{"rendered":"<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\" \/>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin \/>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=DM+Sans:wght@400..700&family=Inter:wght@400..700&family=Noto+Color+Emoji&display=swap\" rel=\"stylesheet\" \/>\n<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/npm\/swiper@11\/swiper-bundle.min.css\"\/>\n<style>\n\n\tbody{overflow-x:hidden!important}\n\n\tselect {-webkit-appearance: none; -moz-appearance: none; appearance: none; background-color: white; background-image: url(\"data:image\/svg+xml;charset=US-ASCII,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' viewBox='0 0 4 5'%3E%3Cpath fill='%234F5D72' d='M2 5L0 3h4z'\/%3E%3C\/svg%3E\"); background-repeat: no-repeat; background-position:right 0.7rem top 9px; background-size: 0.65rem auto;}\n\n\t@media (max-width:767px) {\n\t\t.es-email{max-width:120px!important}\n\t}\n\n\t.logged-in #page-container{margin-top:0!important}\n\t\n\t#main-content > .container {max-width: 100%!important;}\n\t@media (min-width: 1280px) {\n\t\t#main-content > .container {max-width: 100%!important;}\n\t}\n\n\tbody:not(.et-tb) #main-content .container{padding-top:0!important}\n\t.entry-title.main_title{display:none}\n\n\t.custom-ringkas-header{top:-64px}\n\t.custom-ringkas-header .left-side{display:none}\n\t.custom-ringkas-header .right-side .logo img{margin:0 auto}\n\t.custom-ringkas-header .nav-wrapper > .get-started-btn{display:none!important; color:#213250!important}\n\t.custom-ringkas-header.light-mode .right-side ul .nav-item a.get-started-bt{display:block!important; 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color:#213250!important}\n\t}\n\t\n\t.section-lp-affiliate{font-family:'DM Sans', sans-serif;}\n\t.section-lp-affiliate .container{padding-top:0!important; max-width: 22.5rem;}\n\t.section-lp-affiliate h1 {font-family:'DM Sans', sans-serif;}\n\t.section-lp-affiliate h2 {font-family:'DM Sans', sans-serif;}\n\t.section-lp-affiliate h3 {font-family:'DM Sans', sans-serif;}\n\t.section-lp-affiliate h4 {font-family:'DM Sans', sans-serif;}\n\t.section-lp-affiliate h5 {font-family:'DM Sans', sans-serif;}\n\t.section-lp-affiliate h6 {font-family:'DM Sans', sans-serif;}\n\t.section-lp-affiliate p{font-family:'DM Sans', sans-serif; margin-bottom:20px}\n\t.section-lp-affiliate p:last-child{margin-bottom:0}\n\t.section-lp-affiliate a{text-decoration:underline!important}\n\n\t#hero{background:url('https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/03\/bg-hero-affiliate.jpg') center center no-repeat; background-size:cover}\n\n\t#sertifikasi{background:#fff; border-radius:50px 50px 0 0; padding-top:100px; margin-top:-80px}\n\t#sertifikasi .sertifikasi-border{border-style:solid; border-right-width:1px; border-color:#CED2D9}\n\n\t#whatsapp-cta-button{font-family:'DM Sans', sans-serif;}\n\n\t\/* Qismo widget *\/\n\t#qismo-widget{display:none!important}\n\t\n\t\/* Newsletter form footer *\/\n\t@media (max-width: 767px) {\n\t\t.bg-white.flex.p-1.rounded-xl.w-max{width:100%!important}\n    \t.es-email {max-width:600px!important; width:100%}\n\t\t.emaillist{width:100%}\n\t\t.emaillist form{width:100%}\n\t}\n\t\n<\/style>\n\n<!-- Hero -->\n<section id=\"hero\" class=\"section-lp-affiliate pt-2 pb-0 px-6\">\n\t<div class=\"container mx-auto\">\n\t\t<div class=\"header-bar pt-5 pb-3\">\n\t\t\t<div class=\"flex justify-between\">\n\t\t\t\t<div class=\"flex jusfity-start items-center gap-[15px]\">\n\t\t\t\t\t<button style=\"padding:0px;\" id=\"custom-btn-menu-bar\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2022\/09\/ic-menu.svg\" alt=\"\" class=\"h-[32px]\" \/>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/03\/logo-white.png\" alt=\"\" class=\"h-[32px]\" \/>\n\t\t\t\t<\/div>\n\t\t\t\t<div>\n\t\t\t\t\t<!-- <div class=\"login-area px-3 py-2 w-[160px] flex justify-end\">\n\t\t\t\t\t\t<a href=\"https:\/\/app.ringkas.co.id\/?utm_source=affiliatelanding\" onclick=\"cleanURL(event, this)\" class=\"bg-[#E0ECFF] text-[#015FC5] text-[14px] rounded-full px-5 py-2 font-bold\" style=\"text-decoration:none!important\">Masuk<\/a>\n\t\t\t\t\t<\/div> -->\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<div class=\"bg-[#015FC5] rounded-[26px] py-7 px-10 shadow-[0px_10px_20px_rgba(0,0,0,0.4)] text-center\" >\n\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Take-Over-3.svg\" alt=\"\" class=\"mx-auto mb-[10px]\" \/>\n\t\t\t<h1 class=\"text-[#fff] text-2xl leading-[1.875rem] font-bold mb-1\">Berat KPR karena bunga floating?<\/h1>\n\t\t\t<p class=\"text-[#fff]\">Mulai Take Over untuk<br \/>ringankan cicilan KPR.<\/p>\n\t\t<\/div><!-- .hero-wrapper -->\n\t<\/div><!-- .container -->\n<\/section><!-- .section-lp-affiliate -->\n\n<!-- Sertifikasi, Bank & Take Over adalah -->\n<section id=\"sertifikasi\" class=\"section-lp-affiliate pb-7 px-6\">\n\t<div class=\"container px-6 mx-auto\">\n\t\t<div class=\"flex justify-between items-center\">\n\t\t\t<div class=\"text-center\">\n\t\t\t\t<span class=\"text-[#213250] font-semibold text-[16px]\">Terdaftar di OJK<\/span><br \/>\n\t\t\t\t<span class=\"text-[13px]\">(S-550\/IK.01\/2024)<\/span>\n\t\t\t<\/div>\n\t\t\t<div class=\"sertifikasi-border h-8\">&nbsp;<\/div>\n\t\t\t<div class=\"text-center flex items-center justify-center\">\n\t\t\t\t<span class=\"text-[14px]\">Tersertifikasi<\/span>\n\t\t\t\t<img decoding=\"async\" alt=\"Tersertifikasi\" class=\"ml-2\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/03\/government-CXc-cZOM-1.png\" style=\"height:30px\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div><!-- .container -->\n<\/section><!-- .section-lp-affiliatei -->\n\n<!-- Bank -->\n<section class=\"section-lp-affiliate py-0 px-0\">\n\t<div class=\"container mx-auto\" style=\"max-width:100%\">\n\t\t<div class=\"overflow-hidden whitespace-nowrap\">\n\t\t\t<div id=\"bank-mitra\" class=\"flex gap-[15px] left-0 top-0\">\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2023\/07\/Logo-BCA-Bank_Central_Asia.png\" alt=\"\" \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2024\/01\/logo-bca-syariah-hires-final-2.png\" alt=\"\" \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2024\/06\/logo-bank-dki.png\" alt=\"\" \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2023\/09\/Logo-Bank-Ganesha-Hires.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2023\/10\/Logo_Bank_Ina.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2024\/12\/lecadana.jpg\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2024\/08\/logo-mayapada.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2023\/11\/LOGO-Mestika-scaled.jpg\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/02\/bank-muamalat.jpg\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2023\/10\/RES-BNI_logo.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2023\/07\/BRI_2020_Alternative.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2023\/07\/BSI-Full.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/sinarmas.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2024\/06\/logo-btn.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2024\/07\/bank-woori.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2023\/07\/China_Construction_Bank_Indonesia.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2023\/07\/CIMB_Niaga_logo.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2023\/07\/Logo-Danamon-02.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2023\/11\/logo-ICBC-std.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2024\/03\/logo_kb_bank-07.jpeg\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2023\/07\/Logo-BMRI-03.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2023\/07\/RES-logo-maybank-indonesia-hires.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2023\/09\/Logo_Nobubank.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2023\/11\/logo_ocbcbank-horizontal.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2023\/07\/Logo_Panin_Bank.svg.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2024\/09\/blue-black_permata_bank_logotype_rgb.png\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2024\/12\/proline.jpg\" alt=\"\"  \/>\n\t\t\t\t<img decoding=\"async\" class=\"h-[30px] w-auto\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2023\/07\/FC_RGB_UOB-logo.png\" alt=\"\"  \/>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section><!-- .section-lp-affiliate -->\n\n<!-- Take Over adalah -->\n<section class=\"section-lp-affiliate py-10 px-6\">\n\t<div class=\"container mx-auto\">\n\t\t<p class=\"text-center\">Take Over adalah proses pindah bank untuk cicilan KPR kamu saat ini. Dengan alihkan sisa pokok pinjaman ke bank baru, kamu bisa nikmati suku bunga tetap kembali dan ringankan cicilan bulanan.<\/p>\n\t<\/div>\n<\/section><!-- .section-lp-affiliate -->\n\n<!-- Simulasi Take Over -->\n<section id=\"simulasi\" class=\"section-lp-affiliate py-10 px-6 bg-[#EDF6FF] bg-cover bg-center\" style=\"background-image: url('https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/bg-Simulasi.jpg');\">\n\t<div class=\"container mx-auto\">\n\t\t<h2 class=\"w-full flex items-center justify-center gap-[15px] text-[#223250] text-2xl leading-[1.875rem] font-bold text-center p-0\"><img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Calculator.svg\" alt=\"\" class=\"h-[48px] w-auto\" \/>Simulasi Take Over<\/h2>\n\t\t<div class=\"bg-white p-5 mt-4 rounded-[12px]\">\n\t\t\t<div class=\"flex justify-between mb-2\">\n\t\t\t\t<div><strong>Plafon awal<\/strong><\/div>\n\t\t\t\t<div>Rp <span id=\"simulasi-plafon-awal\"><\/span><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"flex justify-between mb-2\">\n\t\t\t\t<div><strong>Tahun akad<\/strong><\/div>\n\t\t\t\t<div><span id=\"simulasi-tahun-akad\"><\/span><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"flex justify-between mb-2\">\n\t\t\t\t<div><strong>Tenor KPR saat ini<\/strong><\/div>\n\t\t\t\t<div><span id=\"simulasi-tenor-kpr-saat-ini\"><\/span> tahun<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"flex justify-between mb-2\">\n\t\t\t\t<div><strong>Tenor baru KPR<\/strong><\/div>\n\t\t\t\t<div><span id=\"simulasi-tenor-baru-kpr\"><\/span> tahun<\/div>\n\t\t\t<\/div>\n\t\t\t<hr class=\"mb-2\">\n\t\t\t<div class=\"flex justify-between\">\n\t\t\t\t<div>Top Up dana pinjaman<\/div>\n\t\t\t\t<div>\n\t\t\t\t\t<label class=\"relative inline-block w-11 h-6 cursor-pointer\">\n\t\t\t\t\t\t<input type=\"checkbox\" id=\"toggle-topup\" class=\"sr-only peer z-50\">\n\t\t\t\t\t\t<div class=\"absolute inset-0 bg-gray-300 rounded-full transition peer-checked:bg-[#015FC5]\"><\/div>\n\t\t\t\t\t\t<div class=\"absolute top-0.5 left-0.5 w-5 h-5 bg-white rounded-full shadow transition-transform peer-checked:translate-x-5\"><\/div>\n\t\t\t\t\t<\/label>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div id=\"jumlah-topup\" class=\"hidden mt-2\">\n\t\t\t\t<div class=\"flex justify-between mb-2\">\n\t\t\t\t\t<div><strong>Jumlah Top Up<\/strong><\/div>\n\t\t\t\t\t<div>Rp <span id=\"simulasi-jumlah-topup\"><\/span><\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<div class=\"bg-white p-5 shadow-lg mt-4 rounded-[16px]\">\n\t\t\t<div class=\"bg-[#F1F2F4] py-2 px-4 rounded-[12px]\">\n\t\t\t\t<p class=\"text-center text-[12px]\" style=\"margin-bottom:0px\">Cicilan bulanan saat ini<\/p>\n\t\t\t\t<p class=\"text-center text-[14px]\"><span id=\"simulasi-cicilan-bulanan\" class=\"font-bold text-[17px]\"><\/span><span  class=\"font-bold text-[17px]\">jt<\/span>\/bln<\/p>\n\t\t\t<\/div>\n\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Arrow-1.svg\" alt=\"\" class=\"mx-auto\" \/>\n\t\t\t<div class=\"bg-[#EDF6FF] py-2 px-4 rounded-[12px] relative\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Group-1.svg\" alt=\"\" class=\"absolute w-[120%] left-0 top-[-20px]\"  \/>\n\t\t\t\t<p class=\"text-center\" style=\"margin-bottom:0\">Cicilan setelah take over<\/p>\n\t\t\t\t<p class=\"text-center text-[#0060C6] text-[24px]\" style=\"margin-bottom:0\"><span id=\"simulasi-cicilan-setelah-take-over\" class=\"text-[44px] font-bold\"><\/span><span class=\"text-[44px] font-bold\">jt<\/span>\/bln<\/p>\n\t\t\t\t<p class=\"text-center text-[14px]\" style=\"margin-bottom:10px\">lebih rendah <span id=\"simulasi-cicilan-lebih-rendah\" class=\"text-[#0060C6] font-bold\"><\/span><span class=\"text-[#0060C6] font-bold\">jt<\/span><\/p>\n\t\t\t\t<hr class=\"mb-2 border-t-1 border-[#B2D7FF] max-w-[160px] mx-auto\" \/>\n\t\t\t\t<p class=\"text-center\" style=\"margin-bottom:0\">Total hemat sebesar<\/p>\n\t\t\t\t<p class=\"text-center text-[#0060C6] text-[44px] font-bold\" style=\"margin-bottom:0\"><span id=\"simulasi-total-hemat-sebesar\"><\/span>jt<\/p>\n\t\t\t\t<hr class=\"mb-2 border-t-1 border-[#B2D7FF] max-w-[160px] mx-auto\" \/>\n\t\t\t\t<div id=\"cicilan-topup\" class=\"hidden\">\n\t\t\t\t\t<p class=\"text-center\" style=\"margin-bottom:0\">Cicilan termasuk topup <span id=\"simulasi-cicilan-termasuk-topup-short\"><\/span>jt<\/p>\n\t\t\t\t\t<p class=\"text-center text-[#0060C6] text-[24px]\" style=\"margin-bottom:0\"><span id=\"simulasi-cicilan-termasuk-topup\" class=\"text-[44px] font-bold\"><\/span><span class=\"text-[44px] font-bold\">jt<\/span>\/bln<\/p>\n\t\t\t\t\t<hr class=\"mb-2 border-t-1 border-[#B2D7FF] max-w-[160px] mx-auto\" \/>\n\t\t\t\t<\/div>\n\t\t\t\t<p class=\"text-center\">Bunga mulai dari <span id=\"bunga-mulai-dari\" class=\"bg-[#E6FFFB] text-[#0A979C] font-bold text-[13px] rounded-full border border-solid border-[#0A979C] py-[2px] px-[6px]\"><span id=\"simulasi-bunga-mulai-dari\"><\/span>%<\/span><\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<button onclick=\"document.getElementById('popup-wrapper').classList.remove('hidden'); document.body.classList.add('overflow-hidden');\" class=\"bg-[#015FC5] text-white py-[10px] px-[20px] mt-5 flex items-center justify-center gap-2 rounded-full mx-auto font-bold\"><img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Edit.svg\" alt=\"Edit Icon\" class=\"h-4 w-4\" \/>Ubah Simulasi Take Over<\/button>\n\t<\/div><!-- .container -->\n<\/section><!-- .section-lp-affiliate -->\n\n<!-- Kenapa Harus Take Over -->\n<section class=\"section-lp-affiliate py-10 px-6\">\n\t<div class=\"container mx-auto\">\n\t\t<h2 class=\"text-[#223250] text-2xl leading-[1.875rem] font-bold text-center p-0\">Kenapa Harus Take Over<\/h2>\n\t\t<div class=\"flex flex-col gap-[20px] mt-7 px-3\">\n\t\t\t<div class=\"flex gap-[20px] items-center\">\n\t\t\t\t<div class=\"w-[60px]\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Lower-Price.svg\" alt=\"\" class=\"w-[100px]\" \/>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"flex-1\">\n\t\t\t\t\t<p class=\"text-[14px]\">Cicilan jadi ringan karena kembali jadi suku bunga tetap.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"flex gap-[20px] items-center\">\n\t\t\t\t<div class=\"w-[60px]\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Adjust-Tenure.svg\" alt=\"\" class=\"w-[100px]\" \/>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"flex-1\">\n\t\t\t\t\t<p class=\"text-[14px]\">Memperpendek atau memperpanjang tenor.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"flex gap-[20px] items-center\">\n\t\t\t\t<div class=\"w-[60px]\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/update.svg\" alt=\"\" class=\"w-[100px]\" \/>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"flex-1\">\n\t\t\t\t\t<p class=\"text-[14px]\">Pindah jenis KPR dari konvensional ke syariah.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"flex gap-[20px] items-center\">\n\t\t\t\t<div class=\"w-[60px]\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Money-Loan.svg\" alt=\"\" class=\"w-[100px]\" \/>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"flex-1\">\n\t\t\t\t\t<p class=\"text-[14px]\">Dapat pinjaman dana tambahan dengan <strong>Take Over & Top Up<\/strong>.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t<\/div><!-- .container -->\n<\/section><!-- .section-lp-affiliate -->\n\n<!-- Kenapa Ringkas -->\n<section class=\"section-lp-affiliate py-10 px-6 bg-[#F7FBFF]\">\n\t<div class=\"container mx-auto\">\n\t\t<h2 class=\"text-[#223250] text-2xl leading-[1.875rem] font-bold text-center p-0\">Kenapa Ringkas<\/h2>\n\t\t<div class=\"flex flex-col gap-[40px] mt-[30px] px-3\">\n\t\t\t<div class=\"flex gap-[20px] items-center\">\n\t\t\t\t<div class=\"w-[60px]\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Free.svg\" alt=\"\" class=\"w-[100px]\" \/>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"flex-1\">\n\t\t\t\t\t<h4 class=\"font-bold pb-2\">Gratis biaya platform<\/h4>\n\t\t\t\t\t<p class=\"text-[14px]\">Ringkas tidak mengenakan biaya  selama proses pengajuan.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"flex gap-[20px] items-center\">\n\t\t\t\t<div class=\"flex-1\">\n\t\t\t\t\t<h4 class=\"font-bold pb-2\">Lebih mungkin diterima<\/h4>\n\t\t\t\t\t<p class=\"text-[14px]\">Ajukan ke banyak bank dan tingkatkan kemungkinan approval.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"w-[60px]\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Check-Board.svg\" alt=\"\" class=\"w-[100px]\" \/>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"flex gap-[20px] items-center\">\n\t\t\t\t<div class=\"w-[60px]\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Fast.svg\" alt=\"\" class=\"w-[100px]\" \/>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"flex-1\">\n\t\t\t\t\t<h4 class=\"font-bold pb-2\">Pengajuan lebih cepat<\/h4>\n\t\t\t\t\t<p class=\"text-[14px]\">Nikmati pengajuan lebih cepat dan mudah melalui platform Ringkas.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"flex gap-[20px] items-center\">\n\t\t\t\t<div class=\"flex-1\">\n\t\t\t\t\t<h4 class=\"font-bold pb-2\">Dibantu agen<\/h4>\n\t\t\t\t\t<p class=\"text-[14px]\">Penasihat Keuangan Ringkas akan memandu kamu hingga akad.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"w-[60px]\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Agent-Assist.svg\" alt=\"\" class=\"w-[100px]\" \/>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div><!-- .container -->\n<\/section><!-- .section-lp-affiliate -->\n\n<!-- Testimoni Customer -->\n<section class=\"section-lp-affiliate py-10 px-0 bg-[#EDF6FF]\">\n\t<div class=\"container mx-auto\">\n\t\t<h2 class=\"text-[#223250] text-2xl leading-[1.875rem] font-bold text-center p-0\">Testimoni customer<\/h2>\n\t<\/div>\n\t<div class=\"container mx-auto\" style=\"max-width:100%\">\n\t\t<div class=\"swiper mySwiper mt-4 mx-auto\" style=\"max-width:100%\">\n\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t<div class=\"swiper-slide !w-[280px] flex-shrink-0\">\n\t\t\t\t\t<div class=\"bg-white shadow-lg rounded-[16px] p-[20px] mb-5\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/image.png\" alt=\"\" class=\"w-full rounded-[16px] mb-4\" \/>\n\t\t\t\t\t\t<p class=\"text-[#223250] mb-4 text-center\">\u201cLorem ipsum dolor sit amet, consectetur adipiscing elit. Nullam in blandit massa. In hac habitasse platea dictumst.\u201d<\/p>\n\t\t\t\t\t\t<p class=\"text-[#223250] text-[13px] mb-0 text-center\">Andrea<\/p>\n\t\t\t\t\t\t<div class=\"flex justify-center\">\n\t\t\t\t\t\t\t<span class=\"inline-flex items-center gap-2 bg-[#E6FFFB] text-[#0A979C] py-[5px] px-[10px] text-[13px] rounded-full\"><img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Frame-15.svg\" alt=\"\" class=\"h-4 w-4\" \/>Menghemat total 150jt+<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"swiper-slide !w-[280px] flex-shrink-0\">\n\t\t\t\t\t<div class=\"bg-white shadow-lg rounded-[16px] p-[20px] mb-5\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/image.png\" alt=\"\" class=\"w-full rounded-[16px] mb-4\" \/>\n\t\t\t\t\t\t<p class=\"text-[#223250] mb-4 text-center\">\u201cLorem ipsum dolor sit amet, consectetur adipiscing elit. Nullam in blandit massa. In hac habitasse platea dictumst.\u201d<\/p>\n\t\t\t\t\t\t<p class=\"text-[#223250] text-[13px] mb-0 text-center\">Andrea<\/p>\n\t\t\t\t\t\t<div class=\"flex justify-center\">\n\t\t\t\t\t\t\t<span class=\"inline-flex items-center gap-2 bg-[#E6FFFB] text-[#0A979C] py-[5px] px-[10px] text-[13px] rounded-full\"><img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Frame-15.svg\" alt=\"\" class=\"h-4 w-4\" \/>Menghemat total 150jt+<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"swiper-slide !w-[280px] flex-shrink-0\">\n\t\t\t\t\t<div class=\"bg-white shadow-lg rounded-[16px] p-[20px] mb-5\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/image.png\" alt=\"\" class=\"w-full rounded-[16px] mb-4\" \/>\n\t\t\t\t\t\t<p class=\"text-[#223250] mb-4 text-center\">\u201cLorem ipsum dolor sit amet, consectetur adipiscing elit. Nullam in blandit massa. In hac habitasse platea dictumst.\u201d<\/p>\n\t\t\t\t\t\t<p class=\"text-[#223250] text-[13px] mb-0 text-center\">Andrea<\/p>\n\t\t\t\t\t\t<div class=\"flex justify-center\">\n\t\t\t\t\t\t\t<span class=\"inline-flex items-center gap-2 bg-[#E6FFFB] text-[#0A979C] py-[5px] px-[10px] text-[13px] rounded-full\"><img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Frame-15.svg\" alt=\"\" class=\"h-4 w-4\" \/>Menghemat total 150jt+<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"flex justify-between mt-4 px-4 hidden\">\n\t\t\t\t<div class=\"swiper-button-prev text-[#015FC5]\"><\/div>\n\t\t\t\t<div class=\"swiper-button-next text-[#015FC5]\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div><!-- .container -->\n<\/section><!-- .section-lp-affiliate -->\n\n<!-- Card Simulasi Take Over -->\n<section class=\"section-lp-affiliate py-10 px-6 bg-[#F7FBFF]\">\n\t<div class=\"container mx-auto\">\n\t\t<div class=\"bg-white shadow-lg rounded-[16px] p-[20px] mb-5\">\n\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/img-simulasi-take-over.png\" alt=\"\" class=\"w-full rounded-[16px] mb-4\" \/>\n\t\t\t<p class=\"text-[#223250] mb-4 text-center\">Alihkan KPR ke bank lain dengan Take Over. Mulai simulasikan sekarang.<\/p>\n\t\t\t<button\n\t\t\t\tclass=\"text-[14px] bg-transparent p-0 text-[#015FC5] font-bold w-full text-center\"\n\t\t\t\tonclick=\"\t\t\t\t\tdocument.getElementById('popup-wrapper').classList.remove('hidden');\t\t\t\t\tdocument.getElementById('toggle-topup').checked = false;\t\t\t\t\tdocument.getElementById('field-topup-group').classList.add('hidden');\t\t\t\t\tdocument.getElementById('input-jumlah-topup').value = '';\t\t\t\t\tdocument.getElementById('jumlah-topup').classList.add('hidden');\t\t\t\t\tdocument.getElementById('cicilan-topup').classList.add('hidden');\t\t\t\t\"\n\t\t\t>Simulasikan Take Over &gt;<\/button>\n\t\t<\/div>\n\t\t<div class=\"bg-white shadow-lg rounded-[16px] p-[20px]\">\n\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/img-simulasi-take-over-top-up.png\" alt=\"\" class=\"w-full rounded-[16px] mb-4\" \/>\n\t\t\t<p class=\"text-[#223250] mb-4 text-center\">Alihkan KPR dan tambah pinjaman dengan Take Over & Top Up. Mulai simulasikan sekarang.<\/p>\n\t\t\t<button\n\t\t\t\tclass=\"text-[14px] bg-transparent p-0 text-[#015FC5] font-bold w-full text-center\"\n\t\t\t\tonclick=\"\t\t\t\t\tdocument.getElementById('popup-wrapper').classList.remove('hidden');\t\t\t\t\tdocument.getElementById('toggle-topup').checked = true;\t\t\t\t\tdocument.getElementById('field-topup-group').classList.remove('hidden');\t\t\t\t\tdocument.getElementById('jumlah-topup').classList.remove('hidden');\t\t\t\t\tdocument.getElementById('cicilan-topup').classList.remove('hidden');\t\t\t\t\"\n\t\t\t>Simulasikan Take Over & Top Up &gt;<\/button>\n\t\t<\/div>\n\t<\/div><!-- .container -->\n<\/section><!-- .section-lp-affiliate -->\n\n<!-- FAQ -->\n<section class=\"section-lp-affiliate py-10 px-6\">\n\t<div class=\"container mx-auto\">\n\t\t<h2 class=\"text-[#223250] text-2xl leading-[1.875rem] font-bold text-center p-0\">Frequently asked<\/h2>\n\t\t<div class=\"text-[15px] w-full max-w-md mx-auto mt-7 px-0 py-0\" >\n\t\t\t<div x-data=\"{ open: false }\" class=\"border-b border-[#E0E2E6] px-0 py-3\" style=\"border-style:solid\">\n\t\t\t\t<button @click=\"open = !open\" class=\"w-full flex justify-between items-center text-left\">\n\t\t\t\t\t<span class=\"font-bold\">Apa keuntungan melakukan Take Over KPR?<\/span>\n\t\t\t\t\t<img decoding=\"async\" :class=\"open ? 'rotate-180' : 'rotate-0'\" class=\"w-5 h-5 transition-transform\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/03\/Arrow-Chevron-2.svg\" alt=\"Chevron\">\n\t\t\t\t<\/button>\n\t\t\t\t<div x-show=\"open\" class=\"p-0 pt-3 text-[#4F5D72]\" x-transition>\n\t\t\t\t\t<ul>\n\t\t\t\t\t\t<li>Suku bunga lebih rendah.<\/li>\n\t\t\t\t\t\t<li>Tenor pinjaman bisa diperpanjang atau diperpendek.<\/li>\n\t\t\t\t\t\t<li>Meringankan cicilan bulanan.<\/li>\n\t\t\t\t\t\t<li>Tambahan dana (jika digabung dengan Top Up).<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div x-data=\"{ open: false }\" class=\"border-b border-[#E0E2E6] px-0 py-3\" style=\"border-style:solid\">\n\t\t\t\t<button @click=\"open = !open\" class=\"w-full flex justify-between items-center text-left\">\n\t\t\t\t\t<span class=\"font-bold\">Apa keuntungan melakukan Top Up dalam Take Over?<\/span>\n\t\t\t\t\t<img decoding=\"async\" :class=\"open ? 'rotate-180' : 'rotate-0'\" class=\"w-5 h-5 transition-transform\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/03\/Arrow-Chevron-2.svg\" alt=\"Chevron\">\n\t\t\t\t<\/button>\n\t\t\t\t<div x-show=\"open\" class=\"p-0 pt-3 text-[#4F5D72]\" x-transition>\n\t\t\t\t\t<ul>\n\t\t\t\t\t\t<li>Mendapat dana tunai tambahan.<\/li>\n\t\t\t\t\t\t<li>Proses relatif lebih cepat karena jaminan sudah ada.<\/li>\n\t\t\t\t\t\t<li>Suku bunga lebih rendah dibandingkan pinjaman tanpa agunan.<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div x-data=\"{ open: false }\" class=\"border-b border-[#E0E2E6] px-0 py-3\" style=\"border-style:solid\">\n\t\t\t\t<button @click=\"open = !open\" class=\"w-full flex justify-between items-center text-left\">\n\t\t\t\t\t<span class=\"font-bold\">Kapan waktu yang tepat untuk melakukan Take Over atau Top Up KPR?<\/span>\n\t\t\t\t\t<img decoding=\"async\" :class=\"open ? 'rotate-180' : 'rotate-0'\" class=\"w-5 h-5 transition-transform\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/03\/Arrow-Chevron-2.svg\" alt=\"Chevron\">\n\t\t\t\t<\/button>\n\t\t\t\t<div x-show=\"open\" class=\"p-0 pt-3 text-[#4F5D72]\" x-transition>\n\t\t\t\t\t<ul>\n\t\t\t\t\t\t<li>Kamu bisa menyiapkan pengajuan Take Over sebelum suku bunga tetap berakhir.<\/li>\n\t\t\t\t\t\t<li>Mulai Take Over saat masa suku bunga tetap sudah habis.<\/li>\n\t\t\t\t\t\t<li>Jika suku bunga floating bank lama tinggi.<\/li>\n\t\t\t\t\t\t<li>Ketika nilai properti naik dan cicilan berjalan lancar.<\/li>\n\t\t\t\t\t\t<li>Saat membutuhkan dana tunai tambahan.<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div x-data=\"{ open: false }\" class=\"border-b border-[#E0E2E6] px-0 py-3\" style=\"border-style:solid\">\n\t\t\t\t<button @click=\"open = !open\" class=\"w-full flex justify-between items-center text-left\">\n\t\t\t\t\t<span class=\"font-bold\">Apa saja syarat umum untuk melakukan Take Over KPR?<\/span>\n\t\t\t\t\t<img decoding=\"async\" :class=\"open ? 'rotate-180' : 'rotate-0'\" class=\"w-5 h-5 transition-transform\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/03\/Arrow-Chevron-2.svg\" alt=\"Chevron\">\n\t\t\t\t<\/button>\n\t\t\t\t<div x-show=\"open\" class=\"p-0 pt-3 text-[#4F5D72]\" x-transition>\n\t\t\t\t\t<ul>\n\t\t\t\t\t\t<li>Riwayat pembayaran KPR lancar minimal 1-2 tahun.<\/li>\n\t\t\t\t\t\t<li>Usia pemohon sesuai batas maksimal bank.<\/li>\n\t\t\t\t\t\t<li>Penghasilan tetap dan memadai.<\/li>\n\t\t\t\t\t\t<li>Dokumen properti lengkap.<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div x-data=\"{ open: false }\" class=\"border-b border-[#E0E2E6] px-0 py-3\" style=\"border-style:solid\">\n\t\t\t\t<button @click=\"open = !open\" class=\"w-full flex justify-between items-center text-left\">\n\t\t\t\t\t<span class=\"font-bold\">Apa saja syarat untuk melakukan Top Up dengan Take Over?<\/span>\n\t\t\t\t\t<img decoding=\"async\" :class=\"open ? 'rotate-180' : 'rotate-0'\" class=\"w-5 h-5 transition-transform\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/03\/Arrow-Chevron-2.svg\" alt=\"Chevron\">\n\t\t\t\t<\/button>\n\t\t\t\t<div x-show=\"open\" class=\"p-0 pt-3 text-[#4F5D72]\" x-transition>\n\t\t\t\t\t<ul>\n\t\t\t\t\t\t<li>Kredit berjalan lancar.<\/li>\n\t\t\t\t\t\t<li>Nilai properti mencukupi (berdasarkan appraisal bank).<\/li>\n\t\t\t\t\t\t<li>Agunan belum diagunkan ke pihak lain.<\/li>\n\t\t\t\t\t\t<li>Dokumen pribadi dan penghasilan lengkap.<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div><!-- .container -->\n<\/section><!-- .section-lp-affiliate -->\n\n<!-- Popup Wrapper (Overlay + Popup) -->\n<div id=\"popup-wrapper\" class=\"fixed inset-0 z-[99] flex items-end justify-center bg-black bg-opacity-50 hidden\">\n\t<!-- Click outside to close -->\n\t<div id=\"popup-overlay\" class=\"absolute inset-0 z-1\"><\/div>\n\t<!-- Popup -->\n\t<div class=\"relative w-full max-w-md bg-white rounded-t-[16px] shadow-lg p-0 z-10\">\n\t\t<!-- Header -->\n\t\t<div class=\"flex justify-between items-center mb-4 px-5 pt-5\">\n\t\t\t<h2 class=\"text-md text-[#223250]\" id=\"popup-header\">Simulasi Take Over<\/h2>\n\t\t\t<button id=\"close-popup\" class=\"text-gray-400 text-xl leading-none\">&times;<\/button>\n\t\t<\/div>\n\t\t<div id=\"content-popup\" class=\"overflow-y-auto max-h-[calc(90vh-64px)] px-5 pb-5\">\n\t\t\t<form id=\"form-simulasi-take-over\" class=\"\" action=\"\">\n\t\t\t\t<!-- 1. Jumlah plafon KPR awal -->\n\t\t\t\t<label for=\"input-plafon-awal\" class=\"block text-sm font-medium text-gray-700 mt-0 mb-0\">Jumlah plafon KPR awal<\/label>\n\t\t\t\t<div class=\"mt-[10px]\">\n\t\t\t\t\t<div class=\"flex items-center border border-solid border-[#4F5D72] rounded-[8px] p-[10px]\">\n\t\t\t\t\t\t<span class=\"text-sm pr-[10px] mr-[10px] py-0 px-0 border-r border-solid border-[#9BA4B1] rounded-l-[6px]\">Rp<\/span>\n\t\t\t\t\t\t<input type=\"text\" id=\"input-plafon-awal\" value=\"1000000000\" class=\"w-full outline-none p-0 text-sm border-none focus:ring-0\" inputmode=\"numeric\" style=\"border:0!important\" \/>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<!-- 2. Tenor KPR saat ini & 3. Bulan (calculated) -->\n\t\t\t\t<label for=\"input-kpr-saat-ini\" class=\"block text-sm font-medium text-gray-700 mb-0 mt-[20px]\">Tenor KPR saat ini<\/label>\n\t\t\t\t<div class=\"flex gap-3 mt-[10px] items-center\">\n\t\t\t\t\t<div class=\"w-1\/2\">\n\t\t\t\t\t\t<div class=\"flex items-center border border-solid border-[#4F5D72] rounded-[8px] p-[10px]\">\n\t\t\t\t\t\t\t<input type=\"number\" id=\"input-kpr-saat-ini\" value=\"18\" class=\"w-full outline-none p-0 text-sm border-none focus:ring-0\" \/>\n\t\t\t\t\t\t\t<span class=\"text-sm ml-[10px] py-0 px-0 rounded-l-[6px]\">Tahun<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n  \t\t\t\t\t<div class=\"w-px bg-[#CFD4DB] self-stretch h-[30px] mt-[7px]\"><\/div>\n\t\t\t\t\t<div class=\"w-1\/2 self-end\">\n\t\t\t\t\t\t<div class=\"bg-gray-100 flex items-center border border-solid border-[#f3f4f6] rounded-[8px] p-[10px]\">\n\t\t\t\t\t\t\t<input type=\"number\" id=\"input-kpr-saat-ini-bulan\" value=\"216\" disabled class=\"w-full outline-none p-0 text-sm border-none focus:ring-0\" \/>\n\t\t\t\t\t\t\t<span class=\"text-sm ml-[10px] py-0 px-0 rounded-l-[6px]\">Bulan<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<!-- 4. Tahun akad -->\n\t\t\t\t<label for=\"input-tahun-akad\" class=\"block text-sm font-medium text-gray-700 mb-0 mt-[20px]\">Tahun akad<\/label>\n\t\t\t\t<div class=\"mt-[10px]\">\n\t\t\t\t\t<select id=\"input-tahun-akad\" class=\"w-full border border-solid border-[#4F5D72] rounded-[8px] p-[10px] text-sm\">\n\t\t\t\t\t\t<option value=\"2000\" >2000<\/option><option value=\"2001\" >2001<\/option><option value=\"2002\" >2002<\/option><option value=\"2003\" >2003<\/option><option value=\"2004\" >2004<\/option><option value=\"2005\" >2005<\/option><option value=\"2006\" >2006<\/option><option value=\"2007\" >2007<\/option><option value=\"2008\" >2008<\/option><option value=\"2009\" >2009<\/option><option value=\"2010\" >2010<\/option><option value=\"2011\" >2011<\/option><option value=\"2012\" >2012<\/option><option value=\"2013\" >2013<\/option><option value=\"2014\" >2014<\/option><option value=\"2015\" >2015<\/option><option value=\"2016\" >2016<\/option><option value=\"2017\" >2017<\/option><option value=\"2018\" >2018<\/option><option value=\"2019\" >2019<\/option><option value=\"2020\" >2020<\/option><option value=\"2021\" selected>2021<\/option><option value=\"2022\" >2022<\/option><option value=\"2023\" >2023<\/option><option value=\"2024\" >2024<\/option><option value=\"2025\" >2025<\/option><option value=\"2026\" >2026<\/option>\t\t\t\t\t<\/select>\n\t\t\t\t<\/div>\n\t\t\t\t<!-- 5. Cicilan bulanan saat ini -->\n\t\t\t\t<label for=\"input-cicilan-bulanan\" class=\"block text-sm font-medium text-gray-700 mb-0 mt-[20px]\">Cicilan bulanan saat ini<\/label>\n\t\t\t\t<div class=\"mt-[10px]\">\n\t\t\t\t\t<div class=\"flex items-center border border-solid border-[#4F5D72] rounded-[8px] p-[10px]\">\n\t\t\t\t\t\t<span class=\"text-sm pr-[10px] mr-[10px] py-0 px-0 border-r border-solid border-[#9BA4B1] rounded-l-[6px]\">Rp<\/span>\n\t\t\t\t\t\t<input type=\"text\" id=\"input-cicilan-bulanan\" value=\"11100000\" class=\"w-full outline-none p-0 text-sm border-none focus:ring-0\" inputmode=\"numeric\" style=\"border:0!important; background:transparent!important;\" \/>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<!-- 6. Sisa tenor pinjaman & 7. bulan -->\n\t\t\t\t<label for=\"input-sisa-tenor-pinjaman\" class=\"block text-sm font-medium text-gray-700 mb-0 mt-[20px]\">Sisa tenor pinjaman<\/label>\n\t\t\t\t<div class=\"flex gap-3 mt-[10px]\">\n\t\t\t\t\t<div class=\"w-1\/2\">\n\t\t\t\t\t\t<div class=\"bg-gray-100 flex items-center border border-solid border-[#f3f4f6] rounded-[8px] p-[10px]\">\n\t\t\t\t\t\t\t<input type=\"text\" id=\"input-sisa-tenor-pinjaman\" value=\"\" disabled class=\"w-full outline-none p-0 text-sm border-none focus:ring-0\" style=\"border:0!important; background:#F3F4F6!important\" \/>\n\t\t\t\t\t\t\t<span class=\"text-sm ml-[10px] py-0 px-0 rounded-l-[6px]\">Tahun<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"w-px bg-[#CFD4DB] self-stretch h-[30px] mt-[7px]\"><\/div>\n\t\t\t\t\t<div class=\"w-1\/2 self-end\">\n\t\t\t\t\t\t<div class=\"bg-gray-100 flex items-center border border-solid border-[#f3f4f6] rounded-[8px] p-[10px]\">\n\t\t\t\t\t\t\t<input type=\"number\" id=\"input-sisa-tenor-pinjaman-bulan\" value=\"\" disabled class=\"w-full outline-none p-0 text-sm border-none focus:ring-0\" \/>\n\t\t\t\t\t\t\t<span class=\"text-sm ml-[10px] py-0 px-0 rounded-l-[6px]\">Bulan<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<!-- 8. Jumlah Top Up diajukan -->\n\t\t\t\t<div id=\"field-topup-group\" class=\"hidden\">\n\t\t\t\t\t<label for=\"input-jumlah-topup\" class=\"block text-sm font-medium text-gray-700 mb-0 mt-[20px]\">Jumlah Top Up diajukan<\/label>\n\t\t\t\t\t<div class=\"mt-[10px]\">\n\t\t\t\t\t\t<div class=\"flex items-center border border-solid border-[#4F5D72] rounded-[8px] p-[10px]\">\n\t\t\t\t\t\t\t<span class=\"text-sm pr-[10px] mr-[10px] py-0 px-0 border-r border-solid border-[#9BA4B1] rounded-l-[6px]\">Rp<\/span>\n\t\t\t\t\t\t\t<input type=\"text\" id=\"input-jumlah-topup\" class=\"w-full outline-none p-0 text-sm border-none focus:ring-0\" inputmode=\"numeric\" style=\"border:0!important\" \/>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<!-- 9. Tenor baru KPR & 10. bulan -->\n\t\t\t\t<label for=\"input-tenor-baru-kpr\" class=\"block text-sm font-medium text-gray-700 mb-0 mt-[20px]\">Tenor baru KPR<\/label>\n\t\t\t\t<div class=\"flex gap-3 mt-[10px]\">\n\t\t\t\t\t<div class=\"w-1\/2\">\n\t\t\t\t\t\t<div class=\"flex items-center border border-solid border-[#4F5D72] rounded-[8px] p-[10px]\">\n\t\t\t\t\t\t\t<input type=\"text\" id=\"input-tenor-baru-kpr\" value=\"15\" inputmode=\"decimal\" class=\"w-full outline-none p-0 text-sm border-none focus:ring-0\" style=\"border:0!important\" \/>\n\t\t\t\t\t\t\t<span class=\"text-sm ml-[10px] py-0 px-0 rounded-l-[6px]\">Tahun<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"w-px bg-[#CFD4DB] self-stretch h-[30px] mt-[7px]\"><\/div>\n\t\t\t\t\t<div class=\"w-1\/2 self-end\">\n\t\t\t\t\t\t<div class=\"bg-gray-100 flex items-center border border-solid border-[#f3f4f6] rounded-[8px] p-[10px]\">\n\t\t\t\t\t\t\t<input type=\"number\" id=\"input-tenor-baru-kpr-bulan\" value=\"180\" disabled class=\"w-full outline-none p-0 text-sm border-none focus:ring-0\" \/>\n\t\t\t\t\t\t\t<span class=\"text-sm ml-[10px] py-0 px-0 rounded-l-[6px]\">Bulan<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<small id=\"error-tenor-baru\" class=\"text-red-500 text-xs mt-1 hidden\">Tenor baru harus lebih besar dari sisa tenor pinjaman.<\/small>\n\t\t\t\t<!-- Save Button -->\n\t\t\t\t<div class=\"pt-4\">\n\t\t\t\t\t<button type=\"submit\" class=\"w-full bg-[#015FC5] text-white py-2 px-4 rounded-full z-50\">Simpan<\/button>\n\t\t\t\t<\/div>\n\t\t\t<input type=\"hidden\" name=\"trp-form-language\" value=\"en\"\/><\/form>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<!-- Sticky CTA -->\n<div class=\"px-6\">\n\t<div class=\"fixed bottom-5 left-6 right-6 flex justify-center z-[9]\">\n\t\t<a id=\"whatsapp-cta-button\" href=\"#\" target=\"_blank\" class=\"bg-[#FFCC02] text-[#213250] text-[14px] rounded-full px-[15px] py-[10px] font-bold flex items-center gap-2 shadow-md\">\n\t\t\tKonsultasi di Whatsapp\n\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/06\/RISA-HELP-1.svg\" alt=\"\" class=\"w-6 h-6 shadow rounded-full w-[30px] h-[30px]\" \/>\n\t\t<\/a>\n\t<\/div>\n<\/div>\n\n<!-- Javascript -->\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/swiper@11\/swiper-bundle.min.js\"><\/script>\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/alpinejs@3.x.x\/dist\/cdn.min.js\" defer><\/script>\n<script>\n\/\/ ========================== Clean Google Query Parameters ==========================\nfunction cleanURL(event, element) {\n  event.preventDefault();\n  const url = new URL(element.href);\n  ['_gl', '_gcl_au'].forEach(param => url.searchParams.delete(param));\n  window.location.href = url.href;\n}\n\n\/\/ ========================== Header Toggle ==========================\ndocument.getElementById('custom-btn-menu-bar')?.addEventListener('click', () => {\n  document.querySelector('.backdrop')?.classList.toggle('show');\n  document.querySelector('.right-side')?.classList.toggle('show');\n});\n\n\/\/ ========================== Bank Carousel ==========================\nconst marquee = document.getElementById('bank-mitra');\nif (marquee) {\n  marquee.innerHTML += marquee.innerHTML;\n  let offset = 0;\n\n  function animate() {\n    offset -= 1;\n    if (Math.abs(offset) >= marquee.scrollWidth \/ 2) {\n      offset = 0;\n    }\n    marquee.style.transform = 'translateX(' + offset + 'px)';\n    requestAnimationFrame(animate);\n  }\n  animate();\n}\n\n\/\/ ========================== Default Simulasi Values ==========================\ndocument.addEventListener('DOMContentLoaded', () => {\n  const values = {\n    'simulasi-plafon-awal': '1,000,000,000',\n    'simulasi-tahun-akad': '2021',\n    'simulasi-tenor-kpr-saat-ini': '18',\n    'simulasi-tenor-baru-kpr': '15',\n    'simulasi-cicilan-bulanan': '11,1',\n    'simulasi-cicilan-setelah-take-over': '7,8',\n    'simulasi-cicilan-lebih-rendah': '3,3',\n    'simulasi-total-hemat-sebesar': '118,8',\n    'simulasi-bunga-mulai-dari': '3,9'\n  };\n\n  for (const [id, val] of Object.entries(values)) {\n    const el = document.getElementById(id);\n    if (el) el.textContent = val;\n  }\n});\n\n\/\/ ========================== Input Formatting ==========================\nfunction formatNumberWithCommas(value) {\n  return value.toString().replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, ',');\n}\n\nfunction unformatNumber(value) {\n  return value.replace(\/[^\\d]\/g, '');\n}\n\nfunction parseDecimalNumber(value) {\n  if (!value) return 0;\n  return parseFloat(value.replace(\/\\.\/g, '').replace(',', '.')) || 0;\n}\n\nfunction setupFormattedInput(id) {\n  const input = document.getElementById(id);\n  if (!input) return;\n\n  input.addEventListener('input', () => {\n    const raw = unformatNumber(input.value);\n    input.value = formatNumberWithCommas(parseInt(raw || '0'));\n  });\n\n  input.addEventListener('keydown', (e) => {\n    const allowed = ['Backspace', 'Delete', 'ArrowLeft', 'ArrowRight', 'Tab', 'Home', 'End'];\n    if (!\/\\d\/.test(e.key) && !allowed.includes(e.key)) e.preventDefault();\n  });\n\n  input.value = formatNumberWithCommas(parseInt(unformatNumber(input.value)) || 0);\n}\n\n['input-plafon-awal', 'input-cicilan-bulanan', 'input-jumlah-topup'].forEach(setupFormattedInput);\n\n\n\/\/ ========================== Tenor Calculations ==========================\nconst kprSaatIniInput = document.getElementById('input-kpr-saat-ini');\nconst kprSaatIniBulanInput = document.getElementById('input-kpr-saat-ini-bulan');\nconst tahunAkadInput = document.getElementById('input-tahun-akad');\nconst sisaTenorTahunInput = document.getElementById('input-sisa-tenor-pinjaman');\nconst sisaTenorBulanInput = document.getElementById('input-sisa-tenor-pinjaman-bulan');\nconst tenorBaruTahunInput = document.getElementById('input-tenor-baru-kpr');\nconst tenorBaruBulanInput = document.getElementById('input-tenor-baru-kpr-bulan');\nconst tenorWarning = document.getElementById('error-tenor-baru'); \/\/ \u2705 Add warning element\n\nfunction updateAllTenorFields() {\n  const totalTenorTahun = parseInt(kprSaatIniInput?.value) || 0;\n  const totalTenorBulan = totalTenorTahun * 12;\n  kprSaatIniBulanInput.value = totalTenorBulan;\n\n  const tahunAkad = parseInt(tahunAkadInput?.value) || new Date().getFullYear();\n  const currentDate = new Date();\n  const currentYear = currentDate.getFullYear();\n  const currentMonth = currentDate.getMonth() + 1;\n\n  const waktuBerjalanBulan = ((currentYear - tahunAkad - 1) * 12) + currentMonth;\n  const sisaBulan = Math.max(totalTenorBulan - waktuBerjalanBulan, 0);\n  const sisaTahun = sisaBulan \/ 12;\n\n  \/\/ Update display values with comma decimal\n  const sisaTahunFormatted = sisaTahun.toFixed(1).replace('.', ',');\n\n  sisaTenorBulanInput.value = sisaBulan;\n  sisaTenorTahunInput.value = sisaTahunFormatted;\n\n  tenorBaruBulanInput.value = sisaBulan;\n  tenorBaruTahunInput.value = sisaTahunFormatted;\n\n  showTenorWarning(false); \/\/ Reset warning\n}\n\n\/\/ ========================== Tenor Baru Validation ==========================\n\/\/ Show\/hide warning\nfunction showTenorWarning(show) {\n  if (tenorWarning) {\n    tenorWarning.classList.toggle('hidden', !show);\n  }\n}\n\n\/\/ Live update bulan field\ntenorBaruTahunInput?.addEventListener('input', () => {\n  const val = parseFloat(tenorBaruTahunInput.value.replace(',', '.'));\n  const minTahun = parseFloat(sisaTenorTahunInput.value.replace(',', '.')) || 0;\n\n  if (!isNaN(val)) {\n    tenorBaruBulanInput.value = Math.round(val * 12);\n    showTenorWarning(val < minTahun);\n  } else {\n    showTenorWarning(false);\n  }\n});\n\n\/\/ Blur validation\ntenorBaruTahunInput?.addEventListener('blur', () => {\n  const enteredTahun = parseFloat(tenorBaruTahunInput.value.replace(',', '.'));\n  const minTahun = parseFloat(sisaTenorTahunInput.value.replace(',', '.')) || 0;\n\n  if (isNaN(enteredTahun) || enteredTahun < minTahun) {\n    tenorBaruTahunInput.value = minTahun.toFixed(1).replace('.', ','); \/\/ keep comma format\n    tenorBaruBulanInput.value = Math.round(minTahun * 12);\n    showTenorWarning(true);\n  } else {\n    showTenorWarning(false);\n  }\n});\n\nkprSaatIniInput?.addEventListener('input', updateAllTenorFields);\ntahunAkadInput?.addEventListener('input', updateAllTenorFields);\n\nupdateAllTenorFields();\n\n\/\/ ========================== Cicilan Saat Ini Validation ==========================\nconst cicilanInput = document.getElementById('input-cicilan-bulanan');\nconst cicilanWrapper = cicilanInput.closest('div');\n\nfunction validateCicilan() {\n  const value = parseInt(cicilanInput.value.replace(\/\\D\/g, '')) || 0;\n\n  if (value <= 0) {\n    cicilanWrapper.classList.add('border-red-500');\n    cicilanWrapper.classList.remove('border-[#4F5D72]');\n    cicilanWrapper.style.backgroundColor = '#FCEBEB';\n  } else {\n    cicilanWrapper.classList.remove('border-red-500');\n    cicilanWrapper.classList.add('border-[#4F5D72]');\n    cicilanWrapper.style.backgroundColor = ''; \/\/ reset to default\n  }\n}\n\ncicilanInput.addEventListener('input', validateCicilan);\ncicilanInput.addEventListener('blur', validateCicilan);\n\nvalidateCicilan();\n\n\/\/ ========================== WhatsApp CTA ==========================\nconst whatsappCTA = document.getElementById('whatsapp-cta-button');\nif (whatsappCTA) {\n  const msg = 'Halo, RISA!%0A%0ASaya ingin konsultasi lebih untuk pengajuan Take Over di Ringkas.%0A%0AApakah dapat dibantu?';\n  whatsappCTA.href = 'https:\/\/wa.me\/628111150288?text=' + msg;\n}\n\n\/\/ ========================== Top-Up Logic ==========================\n\nfunction getTopupValue() {\n  const topupInput = document.getElementById('input-jumlah-topup');\n  return parseInt(topupInput?.value.replace(\/\\D\/g, ''), 10) || 0;\n}\n\nfunction showTopupFields() {\n  ['popup-wrapper', 'field-topup-group', 'jumlah-topup', 'cicilan-topup'].forEach(id => {\n    document.getElementById(id)?.classList.remove('hidden');\n  });\n  document.body.classList.add('overflow-hidden');\n}\n\nfunction hideTopupFields() {\n  ['popup-wrapper', 'field-topup-group', 'jumlah-topup', 'cicilan-topup'].forEach(id => {\n    document.getElementById(id)?.classList.add('hidden');\n  });\n  document.getElementById('input-jumlah-topup').value = '';\n  document.body.classList.remove('overflow-hidden');\n}\n\nfunction handleTopupToggleChange() {\n  const toggleTopup = document.getElementById('toggle-topup');\n  if (toggleTopup.checked) {\n    showTopupFields();\n  } else {\n    hideTopupFields();\n  }\n}\n\nfunction handleOverlayOrCloseClick() {\n  const toggleTopup = document.getElementById('toggle-topup');\n  toggleTopup.checked = false;\n  hideTopupFields();\n}\n\ndocument.getElementById('toggle-topup')?.addEventListener('change', handleTopupToggleChange);\ndocument.getElementById('popup-overlay')?.addEventListener('click', handleOverlayOrCloseClick);\ndocument.getElementById('close-popup')?.addEventListener('click', handleOverlayOrCloseClick);\n\n\/\/ ========================== Form Submission ==========================\ndocument.getElementById('form-simulasi-take-over')?.addEventListener('submit', function (e) {\n  e.preventDefault();\n\n  const getVal = (id, parse = false) => {\n    const val = document.getElementById(id)?.value || '0';\n    return parse ? parseInt(unformatNumber(val)) || 0 : val;\n  };\n\n  const plafonAwal = getVal('input-plafon-awal', true);\n  const tahunAkad = getVal('input-tahun-akad', true);\n  const tenorSaatIni = getVal('input-kpr-saat-ini', true);\n  const tenorSaatIniBulan = getVal('input-kpr-saat-ini-bulan', true);\n  const tenorBaru = parseDecimalNumber(document.getElementById('input-tenor-baru-kpr')?.value);\n  const tenorBaruBulan = getVal('input-tenor-baru-kpr-bulan', true);\n  const cicilanBulanan = getVal('input-cicilan-bulanan', true);\n\n  const toggleTopup = document.getElementById('toggle-topup');\n  const topupInput = document.getElementById('input-jumlah-topup');\n  const topupValue = getTopupValue(); \/\/ use helper\n\n  \/\/ Calculate sisa tenor\n  const tahunIni = new Date().getFullYear();\n  const sisaTenorTahun = tenorSaatIni - (tahunIni - tahunAkad);\n  const sisaTenorBulan = sisaTenorTahun * 12;\n\n  document.getElementById('input-sisa-tenor-pinjaman').value = sisaTenorTahun > 0 ? sisaTenorTahun : 0;\n  document.getElementById('input-sisa-tenor-pinjaman-bulan').value = sisaTenorBulan > 0 ? sisaTenorBulan : 0;\n\n  const setText = (id, val) => {\n    const el = document.getElementById(id);\n    if (el) el.textContent = val;\n  };\n\n  setText('simulasi-plafon-awal', formatNumberWithCommas(plafonAwal));\n  setText('simulasi-tahun-akad', tahunAkad);\n  setText('simulasi-tenor-kpr-saat-ini', tenorSaatIni);\n  setText(\n\t'simulasi-tenor-baru-kpr',\n\ttenorBaru % 1 === 0 ? tenorBaru.toFixed(0) : tenorBaru.toFixed(1).replace('.', ',')\n  );\n\n  const cicilanInJuta = cicilanBulanan \/ 1_000_000;\n  setText(\n    'simulasi-cicilan-bulanan',\n    cicilanInJuta % 1 === 0\n      ? cicilanInJuta.toFixed(0)\n      : cicilanInJuta.toFixed(1).replace('.', ',')\n  );\n\n  if (topupValue && !document.getElementById('field-topup-group')?.classList.contains('hidden')) {\n    setText('simulasi-jumlah-topup', formatNumberWithCommas(topupValue));\n    const formatted = topupValue \/ 1_000_000;\n    setText(\n      'simulasi-cicilan-termasuk-topup-short',\n      formatted % 1 === 0\n        ? formatted.toFixed(0)\n        : formatted.toFixed(1).replace('.', ',')\n    );\n  }\n\n\tif (toggleTopup?.checked) {\n\t\tif (topupValue > 0) {\n\t\t\t\/\/ Only show popup fields if valid top-up\n\t\t\tshowTopupFields();\n\t\t} else {\n\t\t\t\/\/ Invalid top-up, reset everything\n\t\t\ttoggleTopup.checked = false;\n\t\t\thideTopupFields();\n\t\t}\n\t}\n\n  \/\/ ========================== GraphQL ==========================\n  const endpoint = 'https:\/\/sol.uat.rkastech.com\/v1\/graphql';\n  const headers = { 'Content-Type': 'application\/json' };\n  const query = `\n    query SimulationInfoBasedOnLoanProduct($payload: SimulationInfoBasedOnLoanProductInput!) {\n      prometheus {\n        simulationInfoBasedOnLoanProduct(payload: $payload) {\n          newMonthlyInstallment\n          savedAmount\n          savedMonthlyInstallmentPerMonth\n          interestRate\n        }\n      }\n    }`;\n\n  const updateText = (id, value) => {\n    const el = document.getElementById(id);\n    if (el) el.textContent = typeof value === 'number'\n      ? formatNumberWithCommas(Math.round(value))\n      : value;\n  };\n\n  const runGraphQLQuery = async (payload) => {\n    try {\n      const res = await fetch(endpoint, {\n        method: 'POST',\n        headers,\n        body: JSON.stringify({ query, variables: { payload } })\n      });\n      const json = await res.json();\n      return json?.data?.prometheus?.simulationInfoBasedOnLoanProduct || null;\n    } catch (err) {\n      console.error('GraphQL Error:', err);\n      return null;\n    }\n  };\n\n\tfunction formatToJuta(value) {\n\t\tconst juta = value \/ 1_000_000;\n\t\treturn juta % 1 === 0 ? juta.toFixed(0) : juta.toFixed(1).replace('.', ',');\n\t}\n\n\tconst plafonValue = parseInt(plafonAwal, 10) || 0;\n\tconst cicilanValue = parseInt(cicilanBulanan, 10) || 0;\n\tconst tenorSaatIniBulanVal = parseInt(tenorSaatIniBulan, 10) || 0;\n\tconst tenorBaruBulanVal = parseInt(tenorBaruBulan, 10) || 0;\n\tconst tahunAkadVal = parseInt(tahunAkad, 10) || 0;\n\n\t(async () => {\n\t\tif (toggleTopup?.checked && topupValue > 0) {\n\t\t\t\/\/ === First request without topup (TAKE_OVER)\n\t\t\tconst payload1 = {\n\t\t\t\tloanProduct: 'TAKE_OVER',\n\t\t\t\tmarketType: 'SECONDARY',\n\t\t\t\tfinancingType: 'CONVENTIONAL',\n\t\t\t\tloanTerm: tenorSaatIniBulan,\n\t\t\t\tsignedLoanYear: tahunAkad,\n\t\t\t\trequestedLoanAmount: plafonAwal,\n\t\t\t\tcurrentMonthlyInstallment: cicilanBulanan,\n\t\t\t\tfinalLoanTerm: 0\n\t\t\t};\n\t\t\tconst res1 = await runGraphQLQuery(payload1);\n\t\t\tif (res1) {\n\t\t\t\tupdateText('simulasi-cicilan-setelah-take-over', formatToJuta(res1.newMonthlyInstallment));\n\t\t\t\tupdateText('simulasi-cicilan-lebih-rendah', formatToJuta(res1.savedMonthlyInstallmentPerMonth));\n\t\t\t}\n\n\t\t\t\/\/ === Second request with topup (TAKE_OVER_TOP_UP)\n\t\t\tconst payload2 = {\n\t\t\t\tloanProduct: 'TAKE_OVER_TOP_UP',\n\t\t\t\tmarketType: 'SECONDARY',\n\t\t\t\tfinancingType: 'CONVENTIONAL',\n\t\t\t\tloanTerm: tenorSaatIniBulan,\n\t\t\t\tsignedLoanYear: tahunAkad,\n\t\t\t\trequestedLoanAmount: plafonAwal,\n\t\t\t\tcurrentMonthlyInstallment: cicilanBulanan,\n\t\t\t\tfinalLoanTerm: tenorBaruBulan,\n\t\t\t\ttopUpAmount: topupValue\n\t\t\t};\n\t\t\tconst res2 = await runGraphQLQuery(payload2);\n\t\t\tif (res2) {\n\t\t\t\tupdateText('simulasi-cicilan-termasuk-topup', formatToJuta(res2.newMonthlyInstallment));\n\t\t\t\tupdateText('simulasi-total-hemat-sebesar', formatToJuta(res2.savedAmount));\n\t\t\t\tupdateText('simulasi-bunga-mulai-dari', res2.interestRate);\n\t\t\t}\n\t\t} else {\n\t\t\tconst payload = {\n\t\t\t\tloanProduct: 'TAKE_OVER',\n\t\t\t\tmarketType: 'SECONDARY',\n\t\t\t\tfinancingType: 'CONVENTIONAL',\n\t\t\t\tloanTerm: tenorSaatIniBulanVal,\n\t\t\t\tsignedLoanYear: tahunAkadVal,\n\t\t\t\trequestedLoanAmount: plafonValue,\n\t\t\t\tcurrentMonthlyInstallment: cicilanValue,\n\t\t\t\tfinalLoanTerm: tenorBaruBulanVal\n\t\t\t};\n\n\t\t\tconst res = await runGraphQLQuery(payload);\n\t\t\tif (res) {\n\t\t\t\tupdateText('simulasi-cicilan-setelah-take-over', formatToJuta(res.newMonthlyInstallment));\n\t\t\t\tupdateText('simulasi-total-hemat-sebesar', formatToJuta(res.savedAmount));\n\t\t\t\tupdateText('simulasi-cicilan-lebih-rendah', formatToJuta(res.savedMonthlyInstallmentPerMonth));\n\t\t\t\tupdateText('simulasi-bunga-mulai-dari', res.interestRate);\n\t\t\t}\n\t\t}\n\t})();\n\n\t\/\/ ============ WhatsApp Message ============\n\tlet message = 'Halo, RISA!\\n\\nSaya ingin konsultasi lebih untuk pengajuan Take Over di Ringkas.';\n\tmessage += '\\n\\nBerikut info KPR saya saat ini:';\n\tmessage += '\\nPlafon awal: Rp ' + plafonValue.toLocaleString('id-ID');\n\tmessage += '\\nTenor saat ini: ' + tenorSaatIni + ' tahun (' + tenorSaatIniBulan + ' bulan)';\n\tmessage += '\\nCicilan: Rp ' + cicilanValue.toLocaleString('id-ID');\n\tmessage += '\\nTahun akad: ' + tahunAkad;\n\n\tif (topupValue > 0) {\n\t\tmessage += '\\nTop Up: Rp ' + topupValue.toLocaleString('id-ID');\n\t}\n\n\tmessage += '\\nTenor baru: ' + tenorBaru + ' tahun (' + tenorBaruBulan + ' bulan)';\n\tmessage += '\\n\\nApakah dapat dibantu?';\n\n\tconst encoded = encodeURIComponent(message);\n\tdocument.getElementById('whatsapp-cta-button')?.setAttribute('href', 'https:\/\/wa.me\/628111150288?text=' + encoded);\n\n\t\/\/ \u2705 Handle showing cicilan-topup if topup is valid\n\tif (topupValue > 0) {\n\t\tdocument.getElementById('cicilan-topup')?.classList.remove('hidden');\n\t} else {\n\t\tdocument.getElementById('cicilan-topup')?.classList.add('hidden');\n\t}\n\n\t\/\/ \u2705 Always close the popup after submit\n\tdocument.getElementById('popup-wrapper')?.classList.add('hidden');\n\tdocument.body.classList.remove('overflow-hidden');\n\n});\n\n\n\/\/ ========================== Testimoni Swiper ==========================\nif (typeof Swiper !== 'undefined') {\n  new Swiper('.mySwiper', {\n    slidesPerView: 'auto',\n    centeredSlides: true,\n    spaceBetween: 30,\n    loop: true,\n    loopedSlides: 3,\n    on: {\n      afterInit: swiper => swiper.slideToLoop(1, 0)\n    }\n  });\n}\n\n<\/script>","protected":false},"excerpt":{"rendered":"","protected":false},"author":9,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-8990","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ringkas Takeover | Ringkas<\/title>\n<meta name=\"description\" content=\"Ajukan KPR dengan Mudah Bersama Ringkas. 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