perhitungan angsuran anuitas
DESCRIPTION
Dipergunakan untuk menghitung angsuran bank dengan perhitungan annuitasTRANSCRIPT
PERHITUNGAN ANGSURAN 9.446% flat
NILAI PEMBIAYAAN 1,000,000,000.00 Margin 17.00% eff. pajangka waktu 12 Margin kum 94,457,024.94
No Angsur Pokok Sisa pokok Margin Total Angsuran1 77,038,085.41 922,961,914.59 14,166,666.67 91,204,752.08 2 78,129,458.29 844,832,456.30 13,075,293.79 91,204,752.08 3 79,236,292.28 765,596,164.02 11,968,459.80 91,204,752.08 4 80,358,806.42 685,237,357.60 10,845,945.66 91,204,752.08 5 81,497,222.85 603,740,134.75 9,707,529.23 91,204,752.08 6 82,651,766.84 521,088,367.92 8,552,985.24 91,204,752.08 7 83,822,666.87 437,265,701.05 7,382,085.21 91,204,752.08 8 85,010,154.65 352,255,546.40 6,194,597.43 91,204,752.08 9 86,214,465.17 266,041,081.23 4,990,286.91 91,204,752.08
10 87,435,836.76 178,605,244.47 3,768,915.32 91,204,752.08 11 88,674,511.12 89,930,733.36 2,530,240.96 91,204,752.08 12 89,930,733.36 0.00 1,274,018.72 91,204,752.08
Total 1,000,000,000.00 0.00 94,457,024.94 Pokok outs.harus nol Margin
TOTAL HUTANG Rp. 1,094,457,024.94
check balance marginharus nol 0.00
Keterangan PengisianWarna
jangan diisi (rumus)boleh diisi
PERHITUNGAN ANGSURAN 7.361% flatNILAI PEMBIAYAAN 20,000,000.00 boleh diisi
Margin 13.55% eff. pajangka waktu 24 Margin kum 2,944,274.06
No Angsur Pokok Sisa pokok Margin Total Angsuran1 730,178.09 19,269,821.91 225,833.33 956,011.42 2 738,423.01 18,531,398.90 217,588.41 956,011.42 3 746,761.04 17,784,637.86 209,250.38 956,011.42 4 755,193.22 17,029,444.64 200,818.20 956,011.42 5 763,720.61 16,265,724.04 192,290.81 956,011.42 6 772,344.29 15,493,379.75 183,667.13 956,011.42 7 781,065.34 14,712,314.41 174,946.08 956,011.42 8 789,884.87 13,922,429.54 166,126.55 956,011.42 9 798,803.99 13,123,625.56 157,207.43 956,011.42
10 807,823.81 12,315,801.75 148,187.61 956,011.42 11 816,945.49 11,498,856.25 139,065.93 956,011.42 12 826,170.17 10,672,686.09 129,841.25 956,011.42 13 835,499.01 9,837,187.08 120,512.41 956,011.42 14 844,933.18 8,992,253.90 111,078.24 956,011.42 15 854,473.89 8,137,780.01 101,537.53 956,011.42 16 864,122.32 7,273,657.69 91,889.10 956,011.42 17 873,879.70 6,399,777.99 82,131.72 956,011.42 18 883,747.26 5,516,030.73 72,264.16 956,011.42 19 893,726.24 4,622,304.50 62,285.18 956,011.42 20 903,817.90 3,718,486.60 52,193.52 956,011.42 21 914,023.51 2,804,463.09 41,987.91 956,011.42 22 924,344.36 1,880,118.73 31,667.06 956,011.42 23 934,781.75 945,336.99 21,229.67 956,011.42 24 945,336.99 0.00 10,674.43 956,011.42
Total 20,000,000.00 0.00 2,944,274.06 Pokok outs.harus nol MarginTOTAL HUTANG Rp. 22,944,274.06
check balance marginharus nol 0.00
Keterangan PengisianWarna
jangan diisiboleh diisi
Perhitungan Pembiayaan 11.263% flat
Nilai Pembiayaan 1,000,000,000.00 boleh diisiMargin 20.00% eff. pajangka waktu 36 Margin kum 337,889,000.95
No Angsur Pokok Sisa pokok Margin Total Angsuran1 20,496,916.69 979,503,083.31 16,666,666.67 37,163,583.36 2 20,838,531.97 958,664,551.34 16,325,051.39 37,163,583.36 3 21,185,840.84 937,478,710.50 15,977,742.52 37,163,583.36 4 21,538,938.18 915,939,772.31 15,624,645.17 37,163,583.36 5 21,897,920.49 894,041,851.83 15,265,662.87 37,163,583.36 6 22,262,885.83 871,778,966.00 14,900,697.53 37,163,583.36 7 22,633,933.93 849,145,032.07 14,529,649.43 37,163,583.36 8 23,011,166.16 826,133,865.91 14,152,417.20 37,163,583.36 9 23,394,685.59 802,739,180.32 13,768,897.77 37,163,583.36
10 23,784,597.02 778,954,583.30 13,378,986.34 37,163,583.36 11 24,181,006.97 754,773,576.32 12,982,576.39 37,163,583.36 12 24,584,023.75 730,189,552.57 12,579,559.61 37,163,583.36 13 24,993,757.48 705,195,795.09 12,169,825.88 37,163,583.36 14 25,410,320.11 679,785,474.98 11,753,263.25 37,163,583.36 15 25,833,825.44 653,951,649.53 11,329,757.92 37,163,583.36 16 26,264,389.20 627,687,260.33 10,899,194.16 37,163,583.36 17 26,702,129.02 600,985,131.31 10,461,454.34 37,163,583.36 18 27,147,164.50 573,837,966.81 10,016,418.86 37,163,583.36 19 27,599,617.25 546,238,349.56 9,563,966.11 37,163,583.36 20 28,059,610.87 518,178,738.69 9,103,972.49 37,163,583.36 21 28,527,271.05 489,651,467.65 8,636,312.31 37,163,583.36 22 29,002,725.57 460,648,742.08 8,160,857.79 37,163,583.36 23 29,486,104.33 431,162,637.76 7,677,479.03 37,163,583.36 24 29,977,539.40 401,185,098.36 7,186,043.96 37,163,583.36 25 30,477,165.05 370,707,933.31 6,686,418.31 37,163,583.36 26 30,985,117.80 339,722,815.50 6,178,465.56 37,163,583.36 27 31,501,536.43 308,221,279.07 5,662,046.93 37,163,583.36 28 32,026,562.04 276,194,717.02 5,137,021.32 37,163,583.36 29 32,560,338.08 243,634,378.95 4,603,245.28 37,163,583.36 30 33,103,010.38 210,531,368.57 4,060,572.98 37,163,583.36 31 33,654,727.22 176,876,641.35 3,508,856.14 37,163,583.36 32 34,215,639.34 142,661,002.02 2,947,944.02 37,163,583.36 33 34,785,899.99 107,875,102.02 2,377,683.37 37,163,583.36 34 35,365,664.99 72,509,437.03 1,797,918.37 37,163,583.36 35 35,955,092.74 36,554,344.29 1,208,490.62 37,163,583.36 36 36,554,344.29 0.00 609,239.07 37,163,583.36
Total 1,000,000,000.00 0.00 337,889,000.95 Pokok outs.harus nol Margin
TOTAL HUTANG Rp. 1,337,889,000.95
check balance marginharus nol (0.00)
Keterangan Pengisianjangan diisi
boleh diisi
Perhitungan Pembiayaan 9.626% flat
Nilai Pembiayaan 600,000,000.00 boleh diisiMargin 17.00% eff. pajangka waktu 48 Margin kum 231,025,218.45
No Angsur Pokok Sisa pokok Margin Total Angsuran1 8,813,025.38 591,186,974.62 8,500,000.00 17,313,025.38 2 8,937,876.58 582,249,098.04 8,375,148.81 17,313,025.38 3 9,064,496.50 573,184,601.54 8,248,528.89 17,313,025.38 4 9,192,910.20 563,991,691.35 8,120,115.19 17,313,025.38 5 9,323,143.09 554,668,548.26 7,989,882.29 17,313,025.38 6 9,455,220.95 545,213,327.31 7,857,804.43 17,313,025.38 7 9,589,169.91 535,624,157.39 7,723,855.47 17,313,025.38 8 9,725,016.49 525,899,140.90 7,588,008.90 17,313,025.38 9 9,862,787.55 516,036,353.35 7,450,237.83 17,313,025.38
10 10,002,510.38 506,033,842.97 7,310,515.01 17,313,025.38 11 10,144,212.61 495,889,630.36 7,168,812.78 17,313,025.38 12 10,287,922.29 485,601,708.07 7,025,103.10 17,313,025.38 13 10,433,667.85 475,168,040.22 6,879,357.53 17,313,025.38 14 10,581,478.15 464,586,562.07 6,731,547.24 17,313,025.38 15 10,731,382.42 453,855,179.65 6,581,642.96 17,313,025.38 16 10,883,410.34 442,971,769.31 6,429,615.05 17,313,025.38 17 11,037,591.99 431,934,177.32 6,275,433.40 17,313,025.38 18 11,193,957.87 420,740,219.45 6,119,067.51 17,313,025.38 19 11,352,538.94 409,387,680.51 5,960,486.44 17,313,025.38 20 11,513,366.58 397,874,313.93 5,799,658.81 17,313,025.38 21 11,676,472.60 386,197,841.33 5,636,552.78 17,313,025.38 22 11,841,889.30 374,355,952.03 5,471,136.09 17,313,025.38 23 12,009,649.40 362,346,302.63 5,303,375.99 17,313,025.38 24 12,179,786.10 350,166,516.54 5,133,239.29 17,313,025.38 25 12,352,333.07 337,814,183.47 4,960,692.32 17,313,025.38 26 12,527,324.45 325,286,859.02 4,785,700.93 17,313,025.38 27 12,704,794.88 312,582,064.13 4,608,230.50 17,313,025.38 28 12,884,779.48 299,697,284.66 4,428,245.91 17,313,025.38 29 13,067,313.85 286,629,970.81 4,245,711.53 17,313,025.38 30 13,252,434.13 273,377,536.68 4,060,591.25 17,313,025.38 31 13,440,176.95 259,937,359.73 3,872,848.44 17,313,025.38 32 13,630,579.45 246,306,780.27 3,682,445.93 17,313,025.38 33 13,823,679.33 232,483,100.94 3,489,346.05 17,313,025.38 34 14,019,514.79 218,463,586.15 3,293,510.60 17,313,025.38 35 14,218,124.58 204,245,461.57 3,094,900.80 17,313,025.38 36 14,419,548.01 189,825,913.56 2,893,477.37 17,313,025.38 37 14,623,824.94 175,202,088.62 2,689,200.44 17,313,025.38 38 14,830,995.80 160,371,092.82 2,482,029.59 17,313,025.38 39 15,041,101.57 145,329,991.25 2,271,923.82 17,313,025.38 40 15,254,183.84 130,075,807.41 2,058,841.54 17,313,025.38 41 15,470,284.78 114,605,522.63 1,842,740.61 17,313,025.38 42 15,689,447.15 98,916,075.49 1,623,578.24 17,313,025.38 43 15,911,714.32 83,004,361.17 1,401,311.07 17,313,025.38 44 16,137,130.27 66,867,230.90 1,175,895.12 17,313,025.38 45 16,365,739.61 50,501,491.29 947,285.77 17,313,025.38 46 16,597,587.59 33,903,903.70 715,437.79 17,313,025.38 47 16,832,720.08 17,071,183.62 480,305.30 17,313,025.38 48 17,071,183.62 0.00 241,841.77 17,313,025.38
Total 600,000,000.00 231,025,218.45 Pokok outs.harus nol Margin
TOTAL HUTA Rp. 831,025,218.45
check balance marginharus nol 0.00
Keterangan PengisianWARNA
jangan diisiboleh diisi
Perhitungan Pembiayaan 11.793% Flat
Nilai Pembiayaan 1,000,000,000.00 boleh diisiMargin 20.00% eff. pajangka waktu 60 Margin kum 589,633,022.90
No Angsur Pokok Sisa pokok Margin Total Angsuran1 9,827,217.05 990,172,782.95 16,666,666.67 26,493,883.71 2 9,991,004.00 980,181,778.95 16,502,879.72 26,493,883.71 3 10,157,520.73 970,024,258.22 16,336,362.98 26,493,883.71 4 10,326,812.74 959,697,445.48 16,167,070.97 26,493,883.71 5 10,498,926.29 949,198,519.19 15,994,957.42 26,493,883.71 6 10,673,908.40 938,524,610.79 15,819,975.32 26,493,883.71 7 10,851,806.87 927,672,803.92 15,642,076.85 26,493,883.71 8 11,032,670.32 916,640,133.61 15,461,213.40 26,493,883.71 9 11,216,548.15 905,423,585.45 15,277,335.56 26,493,883.71
10 11,403,490.62 894,020,094.83 15,090,393.09 26,493,883.71 11 11,593,548.80 882,426,546.02 14,900,334.91 26,493,883.71 12 11,786,774.61 870,639,771.41 14,707,109.10 26,493,883.71 13 11,983,220.86 858,656,550.55 14,510,662.86 26,493,883.71 14 12,182,941.21 846,473,609.35 14,310,942.51 26,493,883.71 15 12,385,990.23 834,087,619.12 14,107,893.49 26,493,883.71 16 12,592,423.40 821,495,195.72 13,901,460.32 26,493,883.71 17 12,802,297.12 808,692,898.60 13,691,586.60 26,493,883.71 18 13,015,668.74 795,677,229.87 13,478,214.98 26,493,883.71 19 13,232,596.55 782,444,633.32 13,261,287.16 26,493,883.71 20 13,453,139.83 768,991,493.49 13,040,743.89 26,493,883.71 21 13,677,358.82 755,314,134.67 12,816,524.89 26,493,883.71 22 13,905,314.80 741,408,819.86 12,588,568.91 26,493,883.71 23 14,137,070.05 727,271,749.81 12,356,813.66 26,493,883.71 24 14,372,687.88 712,899,061.93 12,121,195.83 26,493,883.71 25 14,612,232.68 698,286,829.24 11,881,651.03 26,493,883.71 26 14,855,769.89 683,431,059.35 11,638,113.82 26,493,883.71 27 15,103,366.06 668,327,693.29 11,390,517.66 26,493,883.71 28 15,355,088.83 652,972,604.46 11,138,794.89 26,493,883.71 29 15,611,006.97 637,361,597.49 10,882,876.74 26,493,883.71 30 15,871,190.42 621,490,407.07 10,622,693.29 26,493,883.71 31 16,135,710.26 605,354,696.80 10,358,173.45 26,493,883.71 32 16,404,638.77 588,950,058.03 10,089,244.95 26,493,883.71 33 16,678,049.41 572,272,008.62 9,815,834.30 26,493,883.71 34 16,956,016.90 555,315,991.71 9,537,866.81 26,493,883.71 35 17,238,617.19 538,077,374.53 9,255,266.53 26,493,883.71 36 17,525,927.47 520,551,447.06 8,967,956.24 26,493,883.71 37 17,818,026.26 502,733,420.79 8,675,857.45 26,493,883.71 38 18,114,993.37 484,618,427.42 8,378,890.35 26,493,883.71 39 18,416,909.92 466,201,517.50 8,076,973.79 26,493,883.71 40 18,723,858.42 447,477,659.07 7,770,025.29 26,493,883.71 41 19,035,922.73 428,441,736.34 7,457,960.98 26,493,883.71 42 19,353,188.11 409,088,548.24 7,140,695.61 26,493,883.71 43 19,675,741.24 389,412,806.99 6,818,142.47 26,493,883.71 44 20,003,670.27 369,409,136.73 6,490,213.45 26,493,883.71 45 20,337,064.77 349,072,071.96 6,156,818.95 26,493,883.71 46 20,676,015.85 328,396,056.11 5,817,867.87 26,493,883.71 47 21,020,616.11 307,375,439.99 5,473,267.60 26,493,883.71 48 21,370,959.72 286,004,480.28 5,122,924.00 26,493,883.71 49 21,727,142.38 264,277,337.90 4,766,741.34 26,493,883.71 50 22,089,261.42 242,188,076.49 4,404,622.30 26,493,883.71 51 22,457,415.77 219,730,660.71 4,036,467.94 26,493,883.71 52 22,831,706.04 196,898,954.68 3,662,177.68 26,493,883.71 53 23,212,234.47 173,686,720.20 3,281,649.24 26,493,883.71 54 23,599,105.04 150,087,615.16 2,894,778.67 26,493,883.71 55 23,992,423.46 126,095,191.70 2,501,460.25 26,493,883.71 56 24,392,297.19 101,702,894.51 2,101,586.53 26,493,883.71 57 24,798,835.47 76,904,059.04 1,695,048.24 26,493,883.71 58 25,212,149.40 51,691,909.64 1,281,734.32 26,493,883.71 59 25,632,351.89 26,059,557.75 861,531.83 26,493,883.71 60 26,059,557.75 0.00 434,325.96 26,493,883.71
Total 1,000,000,000.00 0.00 589,633,022.90 Pokok outs.harus nol Margin
TOTAL HUT Rp. 1,589,633,022.90
Check Balance Marginharus nol (0.00)
Keterangan PengisianWarna
jangan diisiboleh diisi