Rincian Perhitungan Bunga Anuitas Bank
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Transcript of Rincian Perhitungan Bunga Anuitas Bank
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8/19/2019 Rincian Perhitungan Bunga Anuitas Bank
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SIMULASI KPR BANK SUMUT SIMULASI TAKE OV
Harga Rumah ### rupiah Harga Rumah
Down Payment 0% ( DP ) Down Payment
atau 0 rupiah atau
Diskon / DP 0 rupiah Diskon / DP
Plafond KPR ### Plafond KPRAngsur / Tenor 5 Angsur / Tenor
atau 0 bulan atau
!unga "00% per tahun !unga
Angsuran "$"5&0$& Angsuran
'i(ilan )kstra 1 bulan 'i(ilan )kstra
periode setiap 1 bulan periode setiap
total per periode 1 rupiah total per periode
min penghasilan $55**&0 min penghasilan
Total !unga ### rupiah Total !unga
rasio bunga $&0+% terhadap pokok rasio bungaTotal Pokok 500,000,000 Total Pokok
total KPR ### rupiah total KPR
lunas setelah 5, bulan lunas setelah
atau -, tahun atau
!ulan Pin.aman Pokok Angsuran Angsuran !ulan Pin.aman Pokok
ke Tersisa R1 Pokok R1 !unga R1 ke Tersisa R1
1 500,000,000 5,492,363 6,666,667 1 350,000,000
2 494,507,637 5,565,594 6,593,435 2 348,160,473
3 488,942,043 5,639,802 6,519,227 3 346,307,6104 483,302,240 5,715,000 6,444,030 4 344,441,314
5 477,587,241 5,791,200 6,367,830 5 342,561,487
6 471,796,041 5,868,416 6,290,614 6 340,668,031
7 465,927,626 5,946,661 6,212,368 7 338,760,848
8 459,980,964 6,025,950 6,133,080 8 336,839,838
9 453,955,014 6,106,296 6,052,734 9 334,904,900
10 447,848,719 6,187,713 5,971,316 10 332,955,934
11 441,661,005 6,270,216 5,888,814 11 330,992,838
12 435,390,789 6,353,819 5,805,211 12 329,015,510
13 429,036,970 6,438,536 5,720,493 13 274,499,528
14 422,598,434 6,524,384 5,634,646 14 272,493,424
15 416,074,050 6,611,375 5,547,654 15 270,472,776
16 409,462,675 6,699,527 5,459,503 16 268,437,479
17 402,763,148 6,788,854 5,370,176 17 266,387,425
18 395,974,294 6,879,372 5,279,657 18 264,322,509
19 389,094,922 6,971,097 5,187,933 19 262,242,622
20 382,123,825 7,064,045 5,094,985 20 260,147,656
21 375,059,780 7,158,232 5,000,797 21 258,037,501
rupiah )**tahun ( max. 20 )
per bulan )*
rupiah (+110% )*
rupiah )**
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22 367,901,548 7,253,675 4,905,354 22 255,912,048
23 360,647,872 7,350,391 4,808,639 23 253,771,185
24 353,297,481 7,448,396 4,710,633 24 251,614,801
25 345,849,085 7,547,708 4,611,321 25 196,918,465
26 338,301,377 9,985,629 2,173,400 26 194,730,700
27 328,315,748 10,001,606 2,157,424 27 192,527,073
28 318,314,142 10,017,698 2,141,332 28 190,307,47129 308,296,444 10,033,907 2,125,123 29 188,071,776
30 298,262,538 10,050,233 2,108,797 30 185,819,873
31 288,212,305 10,066,678 2,092,352 31 183,551,643
32 278,145,627 10,083,241 2,075,788 32 181,266,968
33 268,062,386 10,099,925 2,059,104 33 178,965,730
34 257,962,460 10,116,730 2,042,299 34 176,647,808
35 247,845,730 10,133,657 2,025,372 35 174,313,080
36 237,712,073 10,150,707 2,008,323 36 171,961,426
37 227,561,366 10,167,880 1,991,150 37 117,068,405
38 217,393,487 10,185,177 1,973,852 38 114,682,528
39 207,208,309 10,202,600 1,956,429 39 112,279,354
40 197,005,709 10,220,150 1,938,880 40 109,858,756
41 186,785,559 10,237,826 1,921,203 41 107,420,610
42 176,547,733 10,255,631 1,903,399 42 104,964,787
43 166,292,102 10,273,565 1,885,465 43 102,491,159
44 156,018,538 10,291,629 1,867,401 44 99,999,597
45 145,726,909 10,309,823 1,849,206 45 97,489,972
46 135,417,086 10,328,150 1,830,880 46 94,962,151
47 125,088,936 10,346,610 1,812,420 47 92,416,004
48 114,742,326 10,365,203 1,793,827 48 89,851,398
49 104,377,123 10,383,931 1,775,098 49 34,743,880
50 93,993,192 10,402,795 1,756,234 50 32,141,952
51 83,590,397 10,421,796 1,737,234 51 29,521,160
52 73,168,601 10,440,934 1,718,095 52 26,881,367
53 62,727,666 10,460,212 1,698,818 53 24,222,435
54 52,267,455 10,479,629 1,679,401 54 21,544,227
55 41,787,826 10,499,186 1,659,843 55 18,846,601
56 31,288,639 10,518,886 1,640,143 56 16,129,418
57 20,769,753 10,538,728 1,620,301 57 13,392,535
58 10,231,025 10,231,025 1,600,315 58 10,635,809
59 0 59 7,859,098
60 60 5,062,255
61 61 0
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R KPR BANK MANDIRI
### rupiah Harga Rumah *50000000
0% ( DP ) Down Payment 0%
0 rupiah atau 0
0 rupiah Diskon / DP 0
### Plafond KPR *50000000"0 Angsur / Tenor "5
"$0 bulan atau ",0
,+0% per tahun !unga ,+0%
-*++0$+ Angsuran *-,++-*
12 bulan 'i(ilan )kstra 12
12 bulan periode setiap 12
52,524,318 rupiah total per periode 41,852,920
&"&"+5 min penghasilan +*$-$"
### rupiah Total !unga "+$,5&5$5
$*"% terhadap pokok rasio bunga **0-%350,000,000 Total Pokok 350,301,973
### rupiah total KPR 5$*""-&,
0 bulan lunas setelah +,
50 tahun atau 5
84,205,463 73%
Angsuran Angsuran !ulan Pin.aman Pokok Angsuran
Pokok R1 !unga R1 ke Tersisa R1 Pokok R1
1,839,527 2,537,500 1 350,000,000 950,243
1,852,863 2,524,163 2 349,049,757 957,133
1,866,296 2,510,730 3 348,092,624 964,0721,879,827 2,497,200 4 347,128,552 971,061
1,893,456 2,483,571 5 346,157,491 978,102
1,907,183 2,469,843 6 345,179,389 985,193
1,921,010 2,456,016 7 344,194,197 992,335
1,934,938 2,442,089 8 343,201,861 999,530
1,948,966 2,428,061 9 342,202,332 1,006,776
1,963,096 2,413,931 10 341,195,555 1,014,076
1,977,328 2,399,698 11 340,181,480 1,021,428
54,515,982 2,385,362 12 339,160,052 42,881,753
2,006,104 2,370,923 13 296,278,299 1,036,292
2,020,648 2,356,379 14 295,242,007 1,043,805
2,035,298 2,341,729 15 294,198,202 1,051,373
2,050,053 2,326,973 16 293,146,829 1,058,995
2,064,916 2,312,110 17 292,087,834 1,066,673
2,079,887 2,297,139 18 291,021,161 1,074,406
2,094,966 2,282,060 19 289,946,755 1,082,196
2,110,155 2,266,872 20 288,864,560 1,090,042
2,125,453 2,251,573 21 287,774,518 1,097,944
rupiah )**tahun ( max. 20 )
per bulan )*
rupiah (+110% )*
rupiah )**
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2,140,863 2,236,164 22 286,676,574 1,105,904
2,156,384 2,220,642 23 285,570,669 1,113,922
54,696,336 2,205,009 24 284,456,747 42,974,918
2,187,765 2,189,261 25 241,481,829 1,130,133
2,203,626 2,173,400 26 240,351,696 1,138,326
2,219,603 2,157,424 27 239,213,370 1,146,579
2,235,695 2,141,332 28 238,066,791 1,154,8922,251,904 2,125,123 29 236,911,899 1,163,265
2,268,230 2,108,797 30 235,748,634 1,171,698
2,284,674 2,092,352 31 234,576,936 1,180,193
2,301,238 2,075,788 32 233,396,743 1,188,750
2,317,922 2,059,104 33 232,207,993 1,197,368
2,334,727 2,042,299 34 231,010,625 1,206,049
2,351,654 2,025,372 35 229,804,576 1,214,793
54,893,022 2,008,323 36 228,589,783 43,076,520
2,385,877 1,991,150 37 185,513,263 1,232,471
2,403,174 1,973,852 38 184,280,792 1,241,407
2,420,597 1,956,429 39 183,039,386 1,250,407
2,438,147 1,938,880 40 181,788,979 1,259,472
2,455,823 1,921,203 41 180,529,507 1,268,603
2,473,628 1,903,399 42 179,260,903 1,277,801
2,491,562 1,885,465 43 177,983,103 1,287,065
2,509,626 1,867,401 44 176,696,038 1,296,396
2,527,820 1,849,206 45 175,399,642 1,305,795
2,546,147 1,830,880 46 174,093,847 1,315,262
2,564,607 1,812,420 47 172,778,585 1,324,798
55,107,518 1,793,827 48 171,453,787 43,187,322
2,601,928 1,775,098 49 128,266,465 1,344,077
2,620,792 1,756,234 50 126,922,388 1,353,821
2,639,793 1,737,234 51 125,568,567 1,363,637
2,658,931 1,718,095 52 124,204,931 1,373,523
2,678,209 1,698,818 53 122,831,408 1,383,481
2,697,626 1,679,401 54 121,447,927 1,393,511
2,717,183 1,659,843 55 120,054,416 1,403,614
2,736,883 1,640,143 56 118,650,801 1,413,790
2,756,725 1,620,301 57 117,237,011 1,424,040
2,776,712 1,600,315 58 115,812,971 1,434,365
2,796,843 1,580,184 59 114,378,606 1,444,764
5,062,255 1,559,907 60 112,933,842 43,308,158
61 69,625,684 1,465,789
62 68,159,896 1,476,416
63 66,683,480 1,487,120
64 65,196,360 1,497,901
65 63,698,459 1,508,761
66 62,189,698 1,519,700
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rupiah Harga Rumah ### rupiah
( DP ) Down Payment 0% ( DP )
rupiah atau 0 rupiah
rupiah Diskon / DP 0 rupiah
Plafond KPR ###Angsur / Tenor $0
bulan atau $-0 bulan
per tahun !unga ,+0% per tahun
Angsuran *0,",*0
bulan 'i(ilan )kstra 12 bulan
bulan periode setiap 12 bulan
rupiah total per periode 36,981,963 rupiah
min penghasilan -+",-*
rupiah Total !unga ### rupiah
terhadap pokok rasio bunga *,+% terhadap pokok Total Pokok 350,000,000
rupiah total KPR ### rupiah
bulan lunas setelah & bulan
tahun atau ,0 tahun
Angsuran !ulan Pin.aman Pokok Angsuran Angsuran
!unga R1 ke Tersisa R1 Pokok R1 !unga R1
2,537,500 1 350,000,000 544,330 2,537,500
2,530,611 2 349,455,670 548,277 2,533,554
2,523,672 3 348,907,393 552,252 2,529,5792,516,682 4 348,355,142 556,255 2,525,575
2,509,642 5 347,798,886 560,288 2,521,542
2,502,551 6 347,238,598 564,350 2,517,480
2,495,408 7 346,674,247 568,442 2,513,388
2,488,213 8 346,105,805 572,563 2,509,267
2,480,967 9 345,533,242 576,714 2,505,116
2,473,668 10 344,956,528 580,895 2,500,935
2,466,316 11 344,375,633 585,107 2,496,723
2,458,910 12 343,790,526 37,571,312 2,492,481
2,451,451 13 306,219,214 593,622 2,488,209
2,443,938 14 305,625,592 597,925 2,483,905
2,436,371 15 305,027,667 602,260 2,479,570
2,428,748 16 304,425,406 606,627 2,475,203
2,421,070 17 303,818,780 611,025 2,470,805
2,413,337 18 303,207,755 615,455 2,466,375
2,405,548 19 302,592,300 619,917 2,461,913
2,397,702 20 301,972,383 624,411 2,457,419
2,389,799 21 301,347,972 628,938 2,452,892
rupiah )** rupiah )**tahun ( max. 20 ) tahun ( max. 20 )
per bulan )* per bulan )*
rupiah (+110% )* rupiah (+110% )*
rupiah )** rupiah )**
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2,381,839 22 300,719,034 633,498 2,448,332
2,373,821 23 300,085,536 638,091 2,443,739
2,365,745 24 299,447,445 37,624,680 2,439,113
2,357,611 25 261,822,765 647,377 2,434,454
2,349,417 26 261,175,388 652,070 2,429,760
2,341,164 27 260,523,318 656,798 2,425,033
2,332,852 28 259,866,520 661,560 2,420,2712,324,479 29 259,204,961 666,356 2,415,474
2,316,045 30 258,538,605 671,187 2,410,643
2,307,550 31 257,867,418 676,053 2,405,777
2,298,994 32 257,191,365 680,954 2,400,876
2,290,375 33 256,510,411 685,891 2,395,939
2,281,694 34 255,824,520 690,864 2,390,966
2,272,951 35 255,133,655 695,873 2,385,957
2,264,143 36 254,437,783 37,682,881 2,380,912
2,255,272 37 216,754,902 706,000 2,375,831
2,246,337 38 216,048,903 711,118 2,370,712
2,237,337 39 215,337,785 716,274 2,365,557
2,228,271 40 214,621,511 721,467 2,360,364
2,219,140 41 213,900,044 726,697 2,355,133
2,209,943 42 213,173,347 731,966 2,349,864
2,200,679 43 212,441,381 737,273 2,344,558
2,191,347 44 211,704,109 742,618 2,339,212
2,181,948 45 210,961,491 748,002 2,333,829
2,172,481 46 210,213,489 753,425 2,328,405
2,162,946 47 209,460,065 758,887 2,322,943
2,153,341 48 208,701,178 37,746,352 2,317,441
2,143,667 49 170,954,826 769,931 2,311,899
2,133,922 50 170,184,895 775,513 2,306,317
2,124,107 51 169,409,382 781,135 2,300,695
2,114,220 52 168,628,247 786,799 2,295,032
2,104,262 53 167,841,448 792,503 2,289,327
2,094,232 54 167,048,945 798,248 2,283,582
2,084,129 55 166,250,697 804,036 2,277,794
2,073,953 56 165,446,661 809,865 2,271,965
2,063,703 57 164,636,796 815,737 2,266,094
2,053,379 58 163,821,060 821,651 2,260,180
2,042,980 59 162,999,409 827,608 2,254,223
2,032,505 60 162,171,801 37,815,571 2,248,222
2,021,955 61 124,356,231 839,651 2,242,179
2,011,328 62 123,516,580 845,739 2,236,091
2,000,624 63 122,670,841 851,870 2,229,960
1,989,842 64 121,818,970 858,047 2,223,784
1,978,982 65 120,960,924 864,267 2,217,563
1,968,044 66 120,096,656 870,533 2,211,297
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1,957,026 67 119,226,123 876,845 2,204,986
1,945,928 68 118,349,278 883,202 2,198,628
1,934,750 69 117,466,076 889,605 2,192,225
1,923,491 70 116,576,471 896,055 2,185,776
1,912,150 71 115,680,417 902,551 2,179,279
1,900,727 72 114,777,866 37,891,057 2,172,736
1,889,221 73 76,886,808 915,685 2,166,1451,877,632 74 75,971,123 922,324 2,159,506
1,865,958 75 75,048,799 929,011 2,152,819
1,854,200 76 74,119,787 935,746 2,146,084
1,842,357 77 73,184,041 942,531 2,139,300
1,830,428 78 72,241,511 949,364 2,132,466
79 71,292,147 956,247 2,125,583
80 70,335,900 963,180 2,118,651
81 69,372,720 970,163 2,111,668
82 68,402,558 977,196 2,104,634
83 67,425,361 984,281 2,097,549
84 66,441,080 37,973,380 2,090,413
85 28,467,701 998,605 2,083,225
86 27,469,096 1,005,845 2,075,986
87 26,463,251 1,013,137 2,068,693
88 25,450,114 1,020,482 2,061,348
89 24,429,632 1,027,881 2,053,949
90 23,401,751 1,035,333 2,046,497
91 22,366,418 1,042,839 2,038,991
92 21,323,579 1,050,400 2,031,431
93 20,273,179 1,058,015 2,023,815
94 19,215,164 1,065,686 2,016,145
95 18,149,478 1,073,412 2,008,418
96 17,076,067 17,076,067 2,000,636
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8/19/2019 Rincian Perhitungan Bunga Anuitas Bank
19/20
Harga Rumah ### rupiah Harga Rumah
Down Payment 0% ( DP ) Down Payment
atau 0 rupiah atau
Diskon 50000000 rupiah Diskon
Plafond KPR ,5000000 Plafond KPR
Angsur / Tenor "0 Angsur / Tenoratau "$0 bulan atau
!unga ,$5% per tahun !unga
Angsuran "$&$+0, Angsuran
min penghasilan ",0&+&$ min penghasilan
Total 2is3ah +0"$5000 rupiah Total 2is3ah
rasio nisbah ,$50% terhadap pokok rasio nisbah
Total KPR 155,125,000 Total KPR
rupiah )**
tahun ( max. 20 )
per bulan )*
rupiah (+40% )*
rupiah )**
-
8/19/2019 Rincian Perhitungan Bunga Anuitas Bank
20/20
### rupiah Harga Rumah ### rupiah
*0% ( DP ) Down Payment $0% ( DP )
&5-00000 rupiah atau *00000 rupiah
0 rupiah Diskon 0 rupiah
### Plafond KPR ###
"5 Angsur / Tenor "5",0 bulan atau ",0 bulan
,$5% per tahun !unga ,$5% per tahun
$++0-$ Angsuran *"$***
*,+*,5, min penghasilan --$+$+
### rupiah Total 2is3ah ### rupiah
"$*+5% terhadap pokok rasio nisbah "$*+5% terhadap pokok
498,067,500 Total KPR 569,220,000
rupiah )** rupiah )**
tahun ( max. 20 ) tahun ( max. 20 )
per bulan )* per bulan )*
rupiah (+40% )* rupiah (+40% )*
rupiah )** rupiah )**