rincian perhitungan bunga anuitas bank

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 )**


2/20

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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7/20

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 )**


8/20

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


9/20


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13/20

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 )**


14/20

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


15/20

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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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 )**


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


tahun ( max. 20 ) tahun ( max. 20 )

per bulan )* per bulan )*

rupiah (+40% )* rupiah (+40% )*


rincian perhitungan bunga anuitas bank

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