simulasi kredit oto
DESCRIPTION
perhitungan kredit untuk mobil bekas dari leasing otoTRANSCRIPT
DP DALAM %TENOR 4 11.50% EFF RATE 20.97%OTR 126,700,000
DP Rp 31,675,000 25.00% AS CASH 0.440% 557,480ASURANSI Rp 557,480 AS CR 1.320% 1,672,440
ADM Rp 2,500,000 AS TOT 1.76% 2,229,920 2,375,625 2.5%
ANGSURAN Rp 2,941,300 + PH 95,025,000 BUNGA 44,480,822
TOTAL DP Rp 40,049,405 TOT PIU 141,178,262 ANGS 2,941,214
Pelunasan 86,650,595 94,195,207
MRP 54,000,000 7,544,612
PH Cabang PH Kawil Refund 25.00% 557,48048,600,000 V 49,950,000 ref bunga45,900,000 O 47,250,000 up 2.50% 6,987,13243,200,000 F 44,550,000
DEPRESIASI ASURANSI RATE /TAHUNAS CR 1 Rp 126,700,000 0.00% Rp -
2 Rp 114,030,000 0.00% Rp - 3 Rp 101,360,000 0.00% Rp - 4 Rp 88,690,000 0.00% Rp - 5 Rp 76,020,000 0.00% Rp -
TOTAL ASURANSI Rp - BESAR NILAI ASURANSI 0.000%
DP DALAM RupiahTENOR 4 TAHUN FLAT RATE 11.50% EFF RATE 20.97%OTR Rp 118,000,000
DP Rp 25,000,000 21.19% AS CASH 0.650% 767,000ASURANSI Rp 767,000 AS CR 1.326% 1,564,680
ADM Rp 2,500,000 AS TOT 1.976% 2,331,680
ANGSURAN Rp 2,876,400 PH 93,000,000 + BUNGA 43,499,753
TOTAL DP Rp 31,143,400 TOT PH 138,064,433ANGS 2,876,342
Pelunasan 86,856,600 87,789,272
MRP 160,000,000 7,770,907PH Cabang PH Kawil Refund 40.00% 932,672
144,000,000 V 148,000,000 ref bunga136,000,000 O 140,000,000 up 2.50% 6,838,235128,000,000 F 132,000,000
DEPRESIASI ASURANSI RATE /TAHUNAS CR 1 Rp 118,000,000 0.00% Rp -
2 Rp 106,200,000 0.78% Rp 828,360 3 Rp 94,400,000 0.78% Rp 736,320 4 Rp 82,600,000 0.00% Rp -
TOTAL ASURANSI Rp 1,564,680 BESAR NILAI ASURANSI 1.326%
UNIT ANGSURAN DIKETTENOR 2 FLAT RATE 10.30% EFF RATEOTR Rp 100,000,000
DP Rp 25,061,000 25.06% AS CASH 1.30%ASURANSI Rp 1,300,000 AS CR 0.000%
ADM Rp 2,500,000 AS TOT 1.30%
ANGSURAN Rp 3,765,700 PH + BUNGA
TOTAL DP Rp 32,626,700 TOT PH ANGS
Pelunasan 67,373,300 70,740,224
MRP 125,000,000PH Cabang PH Kawil Refund 20.00%
112,500,000 V 115,625,000 ref bunga106,250,000 O 109,375,000 up 2.50%100,000,000 F 103,125,000
DEPRESIASI ASURANSI RATE /TAHUN20.43% AS CR 1 Rp 100,000,000 0.00% Rp -
2 Rp 90,000,000 0.78% Rp 702,000 3 Rp 80,000,000 0.00% Rp -
1,300,000 4 Rp 70,000,000 0.00% Rp - 0 5 Rp 70,000,000 0.00% Rp -
1,300,000TOTAL ASURANSI Rp 702,000
74,939,000 BESAR NILAI ASURANSI 0.702%15,437,43490,376,434
3,765,685
3,366,924 260,000
3,106,924
TDP Diket
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UNIT TOTAL DP DIKETAHUITENOR 4 FLAT RATE % EFF RATE #VALUE!OTR Rp 114,000,000
DP Rp #VALUE! #VALUE! AS CASH 0.65% 741,000ASURANSI Rp 741,000 AS CR 1.30% 1,482,000
ACPADM Rp 2,500,000 AS TOT 1.95% 2,223,000ACP
ANGSURAN Rp #VALUE! + PH #VALUE! BUNGA #VALUE!
TOTAL DP Rp 80,000,000 TOT PH #VALUE!ANGS #VALUE!
Pelunasan 34,000,000 #VALUE!
MRP 180,000,000 #VALUE!PH Cabang PH Kawil Refund 20.00% 444,600
162,000,000 V 166,500,000 ref bunga153,000,000 O 157,500,000 up 2.50% #VALUE!144,000,000 F 148,500,000
TDP Diket
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DEPRESIASI ASURANSI RATE /TAHUNAS CR 1 Rp 114,000,000 0.00% Rp -
2 Rp 102,600,000 Rp - 3 Rp 91,200,000 Rp - 4 Rp 79,800,000 Rp - 5 Rp 68,400,000 0.00% Rp -
TOTAL ASURANSI Rp - BESAR NILAI ASURANSI 0.000%