simulasikredit
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www.muhammadnoer.com - kategori Perencanaan Keuangan SIMULASI KREDIT: BUNGA EFEKTIF VS BUNGA FLAT Note: Kolom berwarna kuning bisa diubah untuk simulasi BUNGA EFEKTIF Hutang 100,000,000 Total Bayar 193,601,948.49 Bunga 15.00% per tahun Cicilan 1,613,349.57 Periode 10 tahun Total Bunga 93,601,948.49 Tabel Cicilan Dengan Perhitungan Bunga Efektif Bulan Pokok Bunga Total Cicilan 1 363,349.57 1,250,000.00 1,613,349.57 2 367,891.44 1,245,458.13 1,613,349.57 3 372,490.08 1,240,859.49 1,613,349.57 4 377,146.21 1,236,203.36 1,613,349.57 5 381,860.54 1,231,489.03 1,613,349.57 6 386,633.79 1,226,715.78 1,613,349.57 7 391,466.72 1,221,882.85 1,613,349.57 8 396,360.05 1,216,989.52 1,613,349.57 9 401,314.55 1,212,035.02 1,613,349.57 10 406,330.98 1,207,018.59 1,613,349.57 11 411,410.12 1,201,939.45 1,613,349.57 12 416,552.75 1,196,796.82 1,613,349.57 13 421,759.66 1,191,589.91 1,613,349.57 14 427,031.65 1,186,317.92 1,613,349.57 15 432,369.55 1,180,980.02 1,613,349.57 16 437,774.17 1,175,575.40 1,613,349.57 17 443,246.34 1,170,103.23 1,613,349.57 18 448,786.92 1,164,562.65 1,613,349.57 19 454,396.76 1,158,952.81 1,613,349.57 20 460,076.72 1,153,272.85 1,613,349.57 21 465,827.68 1,147,521.89 1,613,349.57 22 471,650.52 1,141,699.05 1,613,349.57 23 477,546.16 1,135,803.42 1,613,349.57 24 483,515.48 1,129,834.09 1,613,349.57 25 489,559.43 1,123,790.14 1,613,349.57 26 495,678.92 1,117,670.65 1,613,349.57 27 501,874.91 1,111,474.67 1,613,349.57 28 508,148.34 1,105,201.23 1,613,349.57 29 514,500.20 1,098,849.38 1,613,349.57 30 520,931.45 1,092,418.12 1,613,349.57 31 527,443.09 1,085,906.48 1,613,349.57 32 534,036.13 1,079,313.44 1,613,349.57 33 540,711.58 1,072,637.99 1,613,349.57 34 547,470.48 1,065,879.09 1,613,349.57 35 554,313.86 1,059,035.71 1,613,349.57 36 561,242.78 1,052,106.79 1,613,349.57 37 568,258.32 1,045,091.26 1,613,349.57 38 575,361.54 1,037,988.03 1,613,349.57
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Transcript of simulasikredit
www.muhammadnoer.com - kategori Perencanaan Keuangan
SIMULASI KREDIT: BUNGA EFEKTIF VS BUNGA FLATNote: Kolom berwarna kuning bisa diubah untuk simulasi
BUNGA EFEKTIF
Hutang 100,000,000 Total Bayar 193,601,948.49
Bunga 15.00% per tahun Cicilan 1,613,349.57
Periode 10 tahun Total Bunga 93,601,948.49
Tabel Cicilan Dengan Perhitungan Bunga Efektif
Bulan Pokok Bunga Total Cicilan1 363,349.57 1,250,000.00 1,613,349.572 367,891.44 1,245,458.13 1,613,349.573 372,490.08 1,240,859.49 1,613,349.574 377,146.21 1,236,203.36 1,613,349.575 381,860.54 1,231,489.03 1,613,349.576 386,633.79 1,226,715.78 1,613,349.577 391,466.72 1,221,882.85 1,613,349.578 396,360.05 1,216,989.52 1,613,349.579 401,314.55 1,212,035.02 1,613,349.57
10 406,330.98 1,207,018.59 1,613,349.5711 411,410.12 1,201,939.45 1,613,349.5712 416,552.75 1,196,796.82 1,613,349.5713 421,759.66 1,191,589.91 1,613,349.5714 427,031.65 1,186,317.92 1,613,349.5715 432,369.55 1,180,980.02 1,613,349.5716 437,774.17 1,175,575.40 1,613,349.5717 443,246.34 1,170,103.23 1,613,349.5718 448,786.92 1,164,562.65 1,613,349.5719 454,396.76 1,158,952.81 1,613,349.5720 460,076.72 1,153,272.85 1,613,349.5721 465,827.68 1,147,521.89 1,613,349.5722 471,650.52 1,141,699.05 1,613,349.5723 477,546.16 1,135,803.42 1,613,349.5724 483,515.48 1,129,834.09 1,613,349.5725 489,559.43 1,123,790.14 1,613,349.5726 495,678.92 1,117,670.65 1,613,349.5727 501,874.91 1,111,474.67 1,613,349.5728 508,148.34 1,105,201.23 1,613,349.5729 514,500.20 1,098,849.38 1,613,349.5730 520,931.45 1,092,418.12 1,613,349.5731 527,443.09 1,085,906.48 1,613,349.5732 534,036.13 1,079,313.44 1,613,349.5733 540,711.58 1,072,637.99 1,613,349.5734 547,470.48 1,065,879.09 1,613,349.5735 554,313.86 1,059,035.71 1,613,349.5736 561,242.78 1,052,106.79 1,613,349.5737 568,258.32 1,045,091.26 1,613,349.5738 575,361.54 1,037,988.03 1,613,349.57
39 582,553.56 1,030,796.01 1,613,349.5740 589,835.48 1,023,514.09 1,613,349.5741 597,208.43 1,016,141.14 1,613,349.5742 604,673.53 1,008,676.04 1,613,349.5743 612,231.95 1,001,117.62 1,613,349.5744 619,884.85 993,464.72 1,613,349.5745 627,633.41 985,716.16 1,613,349.5746 635,478.83 977,870.74 1,613,349.5747 643,422.31 969,927.26 1,613,349.5748 651,465.09 961,884.48 1,613,349.5749 659,608.41 953,741.16 1,613,349.5750 667,853.51 945,496.06 1,613,349.5751 676,201.68 937,147.89 1,613,349.5752 684,654.20 928,695.37 1,613,349.5753 693,212.38 920,137.19 1,613,349.5754 701,877.53 911,472.04 1,613,349.5755 710,651.00 902,698.57 1,613,349.5756 719,534.14 893,815.43 1,613,349.5757 728,528.32 884,821.25 1,613,349.5758 737,634.92 875,714.65 1,613,349.5759 746,855.36 866,494.21 1,613,349.5760 756,191.05 857,158.52 1,613,349.5761 765,643.44 847,706.13 1,613,349.5762 775,213.98 838,135.59 1,613,349.5763 784,904.16 828,445.42 1,613,349.5764 794,715.46 818,634.11 1,613,349.5765 804,649.40 808,700.17 1,613,349.5766 814,707.52 798,642.05 1,613,349.5767 824,891.36 788,458.21 1,613,349.5768 835,202.50 778,147.07 1,613,349.5769 845,642.54 767,707.04 1,613,349.5770 856,213.07 757,136.50 1,613,349.5771 866,915.73 746,433.84 1,613,349.5772 877,752.18 735,597.39 1,613,349.5773 888,724.08 724,625.49 1,613,349.5774 899,833.13 713,516.44 1,613,349.5775 911,081.04 702,268.53 1,613,349.5776 922,469.56 690,880.01 1,613,349.5777 934,000.43 679,349.14 1,613,349.5778 945,675.43 667,674.14 1,613,349.5779 957,496.38 655,853.20 1,613,349.5780 969,465.08 643,884.49 1,613,349.5781 981,583.39 631,766.18 1,613,349.5782 993,853.19 619,496.38 1,613,349.5783 1,006,276.35 607,073.22 1,613,349.5784 1,018,854.81 594,494.77 1,613,349.5785 1,031,590.49 581,759.08 1,613,349.5786 1,044,485.37 568,864.20 1,613,349.5787 1,057,541.44 555,808.13 1,613,349.5788 1,070,760.71 542,588.86 1,613,349.5789 1,084,145.22 529,204.36 1,613,349.5790 1,097,697.03 515,652.54 1,613,349.5791 1,111,418.24 501,931.33 1,613,349.5792 1,125,310.97 488,038.60 1,613,349.57
93 1,139,377.36 473,972.21 1,613,349.5794 1,153,619.58 459,730.00 1,613,349.5795 1,168,039.82 445,309.75 1,613,349.5796 1,182,640.32 430,709.25 1,613,349.5797 1,197,423.32 415,926.25 1,613,349.5798 1,212,391.11 400,958.46 1,613,349.5799 1,227,546.00 385,803.57 1,613,349.57
100 1,242,890.33 370,459.24 1,613,349.57101 1,258,426.46 354,923.11 1,613,349.57102 1,274,156.79 339,192.78 1,613,349.57103 1,290,083.75 323,265.82 1,613,349.57104 1,306,209.79 307,139.78 1,613,349.57105 1,322,537.42 290,812.15 1,613,349.57106 1,339,069.13 274,280.44 1,613,349.57107 1,355,807.50 257,542.07 1,613,349.57108 1,372,755.09 240,594.48 1,613,349.57109 1,389,914.53 223,435.04 1,613,349.57110 1,407,288.46 206,061.11 1,613,349.57111 1,424,879.57 188,470.00 1,613,349.57112 1,442,690.56 170,659.01 1,613,349.57113 1,460,724.19 152,625.38 1,613,349.57114 1,478,983.25 134,366.32 1,613,349.57115 1,497,470.54 115,879.03 1,613,349.57116 1,516,188.92 97,160.65 1,613,349.57117 1,535,141.28 78,208.29 1,613,349.57118 1,554,330.55 59,019.02 1,613,349.57119 1,573,759.68 39,589.89 1,613,349.57120 1,593,431.67 19,917.90 1,613,349.57
Total 100,000,000.00 93,601,948.49 193,601,948.49
BUNGA FLAT
Hutang 100,000,000 Total Bayar 206,103,156.22
Bunga 7.50% per tahun Cicilan 1,717,526.30
Periode 10 tahun Total Bunga 106,103,156.22
Tabel Cicilan Dengan Perhitungan Bunga Flat
Bulan Pokok Bunga Total Cicilan1 833,333.33 884,192.97 1,717,526.30 2 833,333.33 884,192.97 1,717,526.30 3 833,333.33 884,192.97 1,717,526.30 4 833,333.33 884,192.97 1,717,526.30 5 833,333.33 884,192.97 1,717,526.30 6 833,333.33 884,192.97 1,717,526.30 7 833,333.33 884,192.97 1,717,526.30 8 833,333.33 884,192.97 1,717,526.30 9 833,333.33 884,192.97 1,717,526.30
10 833,333.33 884,192.97 1,717,526.30 11 833,333.33 884,192.97 1,717,526.30 12 833,333.33 884,192.97 1,717,526.30 13 833,333.33 884,192.97 1,717,526.30 14 833,333.33 884,192.97 1,717,526.30 15 833,333.33 884,192.97 1,717,526.30 16 833,333.33 884,192.97 1,717,526.30 17 833,333.33 884,192.97 1,717,526.30 18 833,333.33 884,192.97 1,717,526.30 19 833,333.33 884,192.97 1,717,526.30 20 833,333.33 884,192.97 1,717,526.30 21 833,333.33 884,192.97 1,717,526.30 22 833,333.33 884,192.97 1,717,526.30 23 833,333.33 884,192.97 1,717,526.30 24 833,333.33 884,192.97 1,717,526.30 25 833,333.33 884,192.97 1,717,526.30 26 833,333.33 884,192.97 1,717,526.30 27 833,333.33 884,192.97 1,717,526.30 28 833,333.33 884,192.97 1,717,526.30 29 833,333.33 884,192.97 1,717,526.30 30 833,333.33 884,192.97 1,717,526.30 31 833,333.33 884,192.97 1,717,526.30 32 833,333.33 884,192.97 1,717,526.30 33 833,333.33 884,192.97 1,717,526.30 34 833,333.33 884,192.97 1,717,526.30 35 833,333.33 884,192.97 1,717,526.30 36 833,333.33 884,192.97 1,717,526.30 37 833,333.33 884,192.97 1,717,526.30 38 833,333.33 884,192.97 1,717,526.30
39 833,333.33 884,192.97 1,717,526.30 40 833,333.33 884,192.97 1,717,526.30 41 833,333.33 884,192.97 1,717,526.30 42 833,333.33 884,192.97 1,717,526.30 43 833,333.33 884,192.97 1,717,526.30 44 833,333.33 884,192.97 1,717,526.30 45 833,333.33 884,192.97 1,717,526.30 46 833,333.33 884,192.97 1,717,526.30 47 833,333.33 884,192.97 1,717,526.30 48 833,333.33 884,192.97 1,717,526.30 49 833,333.33 884,192.97 1,717,526.30 50 833,333.33 884,192.97 1,717,526.30 51 833,333.33 884,192.97 1,717,526.30 52 833,333.33 884,192.97 1,717,526.30 53 833,333.33 884,192.97 1,717,526.30 54 833,333.33 884,192.97 1,717,526.30 55 833,333.33 884,192.97 1,717,526.30 56 833,333.33 884,192.97 1,717,526.30 57 833,333.33 884,192.97 1,717,526.30 58 833,333.33 884,192.97 1,717,526.30 59 833,333.33 884,192.97 1,717,526.30 60 833,333.33 884,192.97 1,717,526.30 61 833,333.33 884,192.97 1,717,526.30 62 833,333.33 884,192.97 1,717,526.30 63 833,333.33 884,192.97 1,717,526.30 64 833,333.33 884,192.97 1,717,526.30 65 833,333.33 884,192.97 1,717,526.30 66 833,333.33 884,192.97 1,717,526.30 67 833,333.33 884,192.97 1,717,526.30 68 833,333.33 884,192.97 1,717,526.30 69 833,333.33 884,192.97 1,717,526.30 70 833,333.33 884,192.97 1,717,526.30 71 833,333.33 884,192.97 1,717,526.30 72 833,333.33 884,192.97 1,717,526.30 73 833,333.33 884,192.97 1,717,526.30 74 833,333.33 884,192.97 1,717,526.30 75 833,333.33 884,192.97 1,717,526.30 76 833,333.33 884,192.97 1,717,526.30 77 833,333.33 884,192.97 1,717,526.30 78 833,333.33 884,192.97 1,717,526.30 79 833,333.33 884,192.97 1,717,526.30 80 833,333.33 884,192.97 1,717,526.30 81 833,333.33 884,192.97 1,717,526.30 82 833,333.33 884,192.97 1,717,526.30 83 833,333.33 884,192.97 1,717,526.30 84 833,333.33 884,192.97 1,717,526.30 85 833,333.33 884,192.97 1,717,526.30 86 833,333.33 884,192.97 1,717,526.30 87 833,333.33 884,192.97 1,717,526.30 88 833,333.33 884,192.97 1,717,526.30 89 833,333.33 884,192.97 1,717,526.30 90 833,333.33 884,192.97 1,717,526.30 91 833,333.33 884,192.97 1,717,526.30 92 833,333.33 884,192.97 1,717,526.30
93 833,333.33 884,192.97 1,717,526.30 94 833,333.33 884,192.97 1,717,526.30 95 833,333.33 884,192.97 1,717,526.30 96 833,333.33 884,192.97 1,717,526.30 97 833,333.33 884,192.97 1,717,526.30 98 833,333.33 884,192.97 1,717,526.30 99 833,333.33 884,192.97 1,717,526.30
100 833,333.33 884,192.97 1,717,526.30 101 833,333.33 884,192.97 1,717,526.30 102 833,333.33 884,192.97 1,717,526.30 103 833,333.33 884,192.97 1,717,526.30 104 833,333.33 884,192.97 1,717,526.30 105 833,333.33 884,192.97 1,717,526.30 106 833,333.33 884,192.97 1,717,526.30 107 833,333.33 884,192.97 1,717,526.30 108 833,333.33 884,192.97 1,717,526.30 109 833,333.33 884,192.97 1,717,526.30 110 833,333.33 884,192.97 1,717,526.30 111 833,333.33 884,192.97 1,717,526.30 112 833,333.33 884,192.97 1,717,526.30 113 833,333.33 884,192.97 1,717,526.30 114 833,333.33 884,192.97 1,717,526.30 115 833,333.33 884,192.97 1,717,526.30 116 833,333.33 884,192.97 1,717,526.30 117 833,333.33 884,192.97 1,717,526.30 118 833,333.33 884,192.97 1,717,526.30 119 833,333.33 884,192.97 1,717,526.30 120 833,333.33 884,192.97 1,717,526.30
100,000,000.00 106,103,156.22 206,103,156.22
