KPRinfo dan pengajuan hubungi:arul: 021-9939 7275 / 081211687574TABEL ANGSURAN KPR MANDIRISuku Bunga:8.80%p.a. effektif fixed 1 TH0.73%PLAFOND KPRJANGKA WAKTU KPRTahun123456789101112131415Bulan1224364860728496108120132144156168180$50,000,0004,367,9382,279,6521,585,3371,239,5091,033,071896,322799,388727,333671,857627,980592,531563,398539,116518,640501,202$75,000,0006,551,9073,419,4772,378,0051,859,2641,549,6071,344,4831,199,0821,090,9991,007,785941,969888,797845,097808,675777,960751,803$100,000,0008,735,8764,559,3033,170,6732,479,0182,066,1421,792,6441,598,7761,454,6661,343,7141,255,9591,185,0631,126,7961,078,2331,037,2801,002,404$125,000,00010,919,8455,699,1293,963,3413,098,7732,582,6782,240,8041,998,4701,818,3321,679,6421,569,9491,481,3281,408,4951,347,7911,296,6001,253,004$150,000,00013,103,8146,838,9554,756,0103,718,5283,099,2142,688,9652,398,1642,181,9992,015,5711,883,9391,777,5941,690,1941,617,3491,555,9201,503,605$175,000,00015,287,7837,978,7815,548,6784,338,2823,615,7493,137,1262,797,8592,545,6652,351,4992,197,9292,073,8591,971,8931,886,9071,815,2401,754,206$200,000,00017,471,7529,118,6076,341,3464,958,0374,132,2853,585,2873,197,5532,909,3322,687,4272,511,9182,370,1252,253,5932,156,4662,074,5602,004,807$225,000,00019,655,72110,258,4327,134,0155,577,7914,648,8204,033,4483,597,2473,272,9983,023,3562,825,9082,666,3912,535,2922,426,0242,333,8802,255,408$250,000,00021,839,69011,398,2587,926,6836,197,5465,165,3564,481,6093,996,9413,636,6653,359,2843,139,8982,962,6562,816,9912,695,5822,593,2002,506,009$275,000,00024,023,65812,538,0848,719,3516,817,3015,681,8914,929,7704,396,6354,000,3313,695,2133,453,8883,258,9223,098,6902,965,1402,852,5202,756,610$300,000,00026,207,62713,677,9109,512,0207,437,0556,198,4275,377,9314,796,3294,363,9984,031,1413,767,8783,555,1883,380,3893,234,6983,111,8403,007,211$325,000,00028,391,59614,817,73610,304,6888,056,8106,714,9635,826,0925,196,0234,727,6644,367,0704,081,8673,851,4533,662,0883,504,2573,371,1603,257,812$350,000,00030,575,56515,957,56211,097,3568,676,5647,231,4986,274,2525,595,7175,091,3314,702,9984,395,8574,147,7193,943,7873,773,8153,630,4803,508,412$375,000,00032,759,53417,097,38711,890,0249,296,3197,748,0346,722,4135,995,4115,454,9975,038,9274,709,8474,443,9854,225,4864,043,3733,889,8003,759,013$400,000,00034,943,50318,237,21312,682,6939,916,0748,264,5697,170,5746,395,1055,818,6645,374,8555,023,8374,740,2504,507,1854,312,9314,149,1214,009,614$425,000,00037,127,47219,377,03913,475,36110,535,8288,781,1057,618,7356,794,7996,182,3305,710,7835,337,8275,036,5164,788,8844,582,4894,408,4414,260,215$450,000,00039,311,44120,516,86514,268,02911,155,5839,297,6418,066,8967,194,4936,545,9976,046,7125,651,8165,332,7815,070,5834,852,0484,667,7614,510,816$475,000,00041,495,41021,656,69115,060,69811,775,3379,814,1768,515,0577,594,1886,909,6636,382,6405,965,8065,629,0475,352,2825,121,6064,927,0814,761,417$500,000,00043,679,37922,796,51715,853,36612,395,09210,330,7128,963,2187,993,8827,273,3306,718,5696,279,7965,925,3135,633,9815,391,1645,186,4015,012,018$525,000,00045,863,34823,936,34216,646,03413,014,84710,847,2479,411,3798,393,5767,636,9967,054,4976,593,7866,221,5785,915,6805,660,7225,445,7215,262,619$550,000,00048,047,31725,076,16817,438,70313,634,60111,363,7839,859,5408,793,2708,000,6637,390,4266,907,7766,517,8446,197,3805,930,2805,705,0415,513,220$575,000,00050,231,28626,215,99418,231,37114,254,35611,880,31910,307,7009,192,9648,364,3297,726,3547,221,7656,814,1106,479,0796,199,8395,964,3615,763,820$600,000,00052,415,25527,355,82019,024,03914,874,11012,396,85410,755,8619,592,6588,727,9968,062,2827,535,7557,110,3756,760,7786,469,3976,223,6816,014,421$625,000,00054,599,22428,495,64619,816,70715,493,86512,913,39011,204,0229,992,3529,091,6628,398,2117,849,7457,406,6417,042,4776,738,9556,483,0016,265,022$650,000,00056,783,19329,635,47220,609,37616,113,62013,429,92511,652,18310,392,0469,455,3298,734,1398,163,7357,702,9077,324,1767,008,5136,742,3216,515,623$675,000,00058,967,16230,775,29721,402,04416,733,37413,946,46112,100,34410,791,7409,818,9959,070,0688,477,7257,999,1727,605,8757,278,0717,001,6416,766,224$700,000,00061,151,13131,915,12322,194,71217,353,12914,462,99612,548,50511,191,43410,182,6629,405,9968,791,7148,295,4387,887,5747,547,6307,260,9617,016,825$725,000,00063,335,10033,054,94922,987,38117,972,88314,979,53212,996,66611,591,12810,546,3289,741,9259,105,7048,591,7038,169,2737,817,1887,520,2817,267,426$750,000,00065,519,06934,194,77523,780,04918,592,63815,496,06813,444,82711,990,82210,909,99510,077,8539,419,6948,887,9698,450,9728,086,7467,779,6017,518,027$775,000,00067,703,03835,334,60124,572,71719,212,39316,012,60313,892,98812,390,51611,273,66110,413,7829,733,6849,184,2358,732,6718,356,3048,038,9217,768,628$800,000,00069,887,00736,474,42725,365,38519,832,14716,529,13914,341,14812,790,21111,637,32710,749,71010,047,6749,480,5009,014,3708,625,8628,298,2418,019,229$825,000,00072,070,97537,614,25226,158,05420,451,90217,045,67414,789,30913,189,90512,000,99411,085,63810,361,6639,776,7669,296,0698,895,4218,557,5618,269,829$850,000,00074,254,94438,754,07826,950,72221,071,65617,562,21015,237,47013,589,59912,364,66011,421,56710,675,65310,073,0329,577,7689,164,9798,816,8818,520,430$875,000,00076,438,91339,893,90427,743,39021,691,41118,078,74615,685,63113,989,29312,728,32711,757,49510,989,64310,369,2979,859,4679,434,5379,076,2018,771,031$900,000,00078,622,88241,033,73028,536,05922,311,16618,595,28116,133,79214,388,98713,091,99312,093,42411,303,63310,665,56310,141,1679,704,0959,335,5219,021,632$925,000,00080,806,85142,173,55629,328,72722,930,92019,111,81716,581,95314,788,68113,455,66012,429,35211,617,62310,961,82910,422,8669,973,6539,594,8419,272,233$950,000,00082,990,82043,313,38230,121,39523,550,67519,628,35217,030,11415,188,37513,819,32612,765,28111,931,61211,258,09410,704,56510,243,2129,854,1619,522,834$975,000,00085,174,78944,453,20730,914,06424,170,42920,144,88817,478,27515,588,06914,182,99313,101,20912,245,60211,554,36010,986,26410,512,77010,113,4819,773,435$1,000,000,00087,358,75845,593,03331,706,73224,790,18420,661,42417,926,43615,987,76314,546,65913,437,13712,559,59211,850,62511,267,96310,782,32810,372,80110,024,036Cara membaca daftar angsuran :Tanya : Berapa angsuran pinjaman karyawan untuk kredit Rp. 200 juta dengan jangka waktu 10 tahun ?Jawab : Pertemukan kolom kredit Rp. 200 juta dengan jangka waktu 10 tahun (120 bulan), maka angsuran per bulan adalah Rp.2,511,918,-KOEFISIEN ANGSURAN PINJAMANJANGKA WAKTU (TAHUN)123456789101112131415NILAI KOEFISIEN0.08735875810.04559303330.03170673190.0247901840.02066142350.01792643560.01598776320.01454665940.01343713750.01255959190.01185062540.01126796290.01078232790.01037280130.0100240356HARGA RUMAH164,000,000DP 20 %32,800,000KPR131,200,000JANGKA WAKTU 10 TH, ANGSURAN PERBULANNYA:2,037,095(131,200,000 X 0.015526644)JANGKA WAKTU 15 TH, ANGSURAN PERBULANNYA:1,747,242(131,200,000 X 0.01331741 )Perkiraan Biaya-biaya KPR:Administrasi250,000Provisi 1%1,312,000Asuransi JiwaAsuransi KerugianNotaris

JUMLAH ANGSURAN BULANAN

MGMTABEL ANGSURAN MULTIGUNASuku Bunga:12.99%p.a. effektif FIX 6 BLN1.08%PLAFOND KPRJANGKA WAKTU KPRTahun12345678910Bulan1224364860728496108120$50,000,0004,465,6292,376,8561,684,4571,341,1271,137,3981,003,441909,326840,083787,392746,259$60,000,0005,358,7552,852,2282,021,3481,609,3521,364,8771,204,1301,091,1921,008,100944,870895,511$70,000,0006,251,8813,327,5992,358,2391,877,5771,592,3571,404,8181,273,0571,176,1161,102,3491,044,762$80,000,0007,145,0073,802,9702,695,1312,145,8031,819,8361,605,5061,454,9221,344,1331,259,8271,194,014$90,000,0008,038,1334,278,3413,032,0222,414,0282,047,3161,806,1941,636,7871,512,1501,417,3061,343,266$100,000,0008,931,2584,753,7133,368,9142,682,2532,274,7952,006,8831,818,6531,680,1661,574,7841,492,518$110,000,0009,824,3845,229,0843,705,8052,950,4792,502,2752,207,5712,000,5181,848,1831,732,2621,641,769$120,000,00010,717,5105,704,4554,042,6963,218,7042,729,7552,408,2592,182,3832,016,1991,889,7411,791,021$130,000,00011,610,6366,179,8264,379,5883,486,9292,957,2342,608,9482,364,2492,184,2162,047,2191,940,273$140,000,00012,503,7626,655,1984,716,4793,755,1553,184,7142,809,6362,546,1142,352,2332,204,6982,089,525$150,000,00013,396,8887,130,5695,053,3704,023,3803,412,1933,010,3242,727,9792,520,2492,362,1762,238,776$160,000,00014,290,0137,605,9405,390,2624,291,6053,639,6733,211,0122,909,8442,688,2662,519,6542,388,028$170,000,00015,183,1398,081,3115,727,1534,559,8313,867,1523,411,7013,091,7102,856,2832,677,1332,537,280$180,000,00016,076,2658,556,6836,064,0444,828,0564,094,6323,612,3893,273,5753,024,2992,834,6112,686,532$190,000,00016,969,3919,032,0546,400,9365,096,2814,322,1113,813,0773,455,4403,192,3162,992,0902,835,784$200,000,00017,862,5179,507,4256,737,8275,364,5074,549,5914,013,7663,637,3053,360,3323,149,5682,985,035$210,000,00018,755,6439,982,7967,074,7185,632,7324,777,0704,214,4543,819,1713,528,3493,307,0473,134,287$220,000,00019,648,76910,458,1687,411,6105,900,9575,004,5504,415,1424,001,0363,696,3663,464,5253,283,539$230,000,00020,541,89410,933,5397,748,5016,169,1835,232,0294,615,8304,182,9013,864,3823,622,0033,432,791$240,000,00021,435,02011,408,9108,085,3936,437,4085,459,5094,816,5194,364,7674,032,3993,779,4823,582,042$250,000,00022,328,14611,884,2818,422,2846,705,6335,686,9895,017,2074,546,6324,200,4153,936,9603,731,294$260,000,00023,221,27212,359,6538,759,1756,973,8595,914,4685,217,8954,728,4974,368,4324,094,4393,880,546$270,000,00024,114,39812,835,0249,096,0677,242,0846,141,9485,418,5834,910,3624,536,4494,251,9174,029,798$280,000,00025,007,52413,310,3959,432,9587,510,3096,369,4275,619,2725,092,2284,704,4654,409,3954,179,049$290,000,00025,900,64913,785,7669,769,8497,778,5356,596,9075,819,9605,274,0934,872,4824,566,8744,328,301$300,000,00026,793,77514,261,13810,106,7418,046,7606,824,3866,020,6485,455,9585,040,4994,724,3524,477,553$310,000,00027,686,90114,736,50910,443,6328,314,9857,051,8666,221,3375,637,8235,208,5154,881,8314,626,805$320,000,00028,580,02715,211,88010,780,5238,583,2117,279,3456,422,0255,819,6895,376,5325,039,3094,776,056$330,000,00029,473,15315,687,25111,117,4158,851,4367,506,8256,622,7136,001,5545,544,5485,196,7874,925,308$340,000,00030,366,27916,162,62311,454,3069,119,6617,734,3046,823,4016,183,4195,712,5655,354,2665,074,560$350,000,00031,259,40416,637,99411,791,1979,387,8877,961,7847,024,0906,365,2855,880,5825,511,7445,223,812$365,000,00032,599,09317,351,05112,296,5349,790,2258,303,0037,325,1226,638,0826,132,6075,747,9625,447,689$375,000,00033,492,21917,826,42212,633,42610,058,4508,530,4837,525,8106,819,9486,300,6235,905,4405,596,941$390,000,00034,831,90818,539,47913,138,76310,460,7888,871,7027,826,8437,092,7466,552,6486,141,6585,820,819$400,000,00035,725,03419,014,85013,475,65410,729,0139,099,1828,027,5317,274,6116,720,6656,299,1365,970,071$425,000,00037,957,84820,203,27814,317,88311,399,5769,667,8818,529,2527,729,2747,140,7066,692,8326,343,200$450,000,00040,190,66321,391,70715,160,11112,070,14010,236,5799,030,9728,183,9377,560,7487,086,5286,716,329$475,000,00042,423,47722,580,13516,002,33912,740,70310,805,2789,532,6938,638,6007,980,7897,480,2247,089,459$500,000,00044,656,29223,768,56316,844,56813,411,26611,373,97710,034,4149,093,2648,400,8317,873,9207,462,588Cara membaca daftar angsuran :Tanya : Berapa angsuran pinjaman karyawan untuk kredit Rp. 200 juta dengan jangka waktu 10 tahun ?Jawab : Pertemukan kolom kredit Rp. 200 juta dengan jangka waktu 10 tahun (120 bulan), maka angsuran per bulan adalah Rp.2,985,035,-KOEFISIEN ANGSURAN PINJAMANJANGKA WAKTU (TAHUN)12345678910NILAI KOEFISIEN0.08931258410.04753712570.03368913560.02682253290.02274795430.02006882770.01818652720.0168016620.01574784050.0149251763Contoh perhitungan dengan angka koefisien :Tanya : Pinjaman Karyawan Rp. 250 Juta, Jangka waktu 5 tahun. Berapa angsurannya per bulan ?Jawab : Angsuran/bulan adalah Rp.$250,000,000dikalikan dgn.0.0227479543(koefisien utk 5 tahun) = Rp.5,686,989

KTATABEL ANGSURAN KTA PAYROLLSetara dengan:21.00%p.a. effektif floating1.75%PLAFONDJANGKA WAKTU KREDIT1234512243648608.03%7.90%7.97%8.09%8.12%$10,000,000931,138513,857376,751309,657270,534$15,000,0001,396,707770,785565,126464,485405,800$20,000,0001,862,2751,027,713753,501619,314541,067$25,000,0002,327,8441,284,641941,877774,142676,334$30,000,0002,793,4131,541,5701,130,252928,971811,601$35,000,0003,258,9821,798,4981,318,6271,083,799946,868$40,000,0003,724,5512,055,4261,507,0031,238,6281,082,134$45,000,0004,190,1202,312,3541,695,3781,393,4561,217,401$50,000,0004,655,6892,569,2831,883,7531,548,2851,352,668$55,000,0005,121,2582,826,2112,072,1291,703,1131,487,935$60,000,0005,586,8263,083,1392,260,5041,857,9421,623,202$65,000,0006,052,3953,340,0672,448,8792,012,7701,758,468$70,000,0006,517,9643,596,9962,637,2552,167,5991,893,735$75,000,0006,983,5333,853,9242,825,6302,322,4272,029,002$80,000,0007,449,1024,110,8523,014,0052,477,2562,164,269$85,000,0007,914,6714,367,7803,202,3812,632,0842,299,536$90,000,0008,380,2404,624,7093,390,7562,786,9132,434,802$95,000,0008,845,8094,881,6373,579,1312,941,7412,570,069$100,000,0009,311,3775,138,5653,767,5073,096,5692,705,336$105,000,0009,776,9465,395,4933,955,8823,251,3982,840,603$110,000,00010,242,5155,652,4224,144,2573,406,2262,975,870$115,000,00010,708,0845,909,3504,332,6333,561,0553,111,136$120,000,00011,173,6536,166,2784,521,0083,715,8833,246,403$125,000,00011,639,2226,423,2064,709,3833,870,7123,381,670$130,000,00012,104,7916,680,1354,897,7594,025,5403,516,937$135,000,00012,570,3596,937,0635,086,1344,180,3693,652,204$140,000,00013,035,9287,193,9915,274,5094,335,1973,787,470$145,000,00013,501,4977,450,9195,462,8854,490,0263,922,737$150,000,00013,967,0667,707,8485,651,2604,644,8544,058,004$155,000,00014,432,6357,964,7765,839,6354,799,6834,193,271$160,000,00014,898,2048,221,7046,028,0114,954,5114,328,538$165,000,00015,363,7738,478,6326,216,3865,109,3404,463,804$170,000,00015,829,3428,735,5616,404,7615,264,1684,599,071$175,000,00016,294,9108,992,4896,593,1375,418,9974,734,338$180,000,00016,760,4799,249,4176,781,5125,573,8254,869,605$200,000,00018,622,75510,277,1307,535,0136,193,1395,410,672KOEFISIEN ANGSURAN PINJAMANJANGKA WAKTU (TAHUN)JANGKA WAKTU (THN)12345NILAI KOEFISIEN0.09311377380.0513856510.03767506730.0309656950.02705335980

eff vs flatBUNGA EFEKTIF & ANNUITEDBUNGA FLAT , FIXEDNAMA:NAMA:ALAMAT:ALAMAT:LIMIT KREDIT:35,000,000LIMIT KREDIT:35,000,000JANGKA WAKTU:36BULANJANGKA WAKTU:36BULANSUKU BUNGA:21.00%P.ASUKU BUNGA FIXED:11.88%P.ABESAR ANGSURAN/BULAN:$1,318,627BESAR ANGSURAN/BULAN:1,318,627kusworoANGS.SALDOANGS.ANGS.TOTALSALDOANGS.SALDOANGS.ANGS.TOTALSALDOKEAWALPOKOKBUNGAAKHIRKEAWALPOKOKBUNGAAKHIR135,000,000706,127612,5001,318,62734,293,873135,000,000972,222346,4051,318,62734,027,778ruana iw medivcal gd i234,293,873718,485600,1431,318,62733,575,388234,027,778972,222346,4051,318,62733,055,556benny333,575,388731,058587,5691,318,62732,844,330333,055,556972,222346,4051,318,62732,083,333432,844,330743,852574,7761,318,62732,100,478432,083,333972,222346,4051,318,62731,111,111532,100,478756,869561,7581,318,62731,343,609531,111,111972,222346,4051,318,62730,138,889631,343,609770,114548,5131,318,62730,573,495630,138,889972,222346,4051,318,62729,166,667730,573,495783,591535,0361,318,62729,789,904729,166,667972,222346,4051,318,62728,194,444829,789,904797,304521,3231,318,62728,992,600828,194,444972,222346,4051,318,62727,222,222928,992,600811,257507,3711,318,62728,181,343927,222,222972,222346,4051,318,62726,250,0001028,181,343825,454493,1741,318,62727,355,8891026,250,000972,222346,4051,318,62725,277,7781127,355,889839,899478,7281,318,62726,515,9901125,277,778972,222346,4051,318,62724,305,556maruhachi1226,515,990854,598464,0301,318,62725,661,3921224,305,556972,222346,4051,318,62723,333,333qq 61325,661,392869,553449,0741,318,62724,791,8391323,333,333972,222346,4051,318,62722,361,1111424,791,839884,770433,8571,318,62723,907,0691422,361,111972,222346,4051,318,62721,388,8891523,907,069900,254418,3741,318,62723,006,8161521,388,889972,222346,4051,318,62720,416,6671623,006,816916,008402,6191,318,62722,090,8081620,416,667972,222346,4051,318,62719,444,4441722,090,808932,038386,5891,318,62721,158,7691719,444,444972,222346,4051,318,62718,472,2221821,158,769948,349370,2781,318,62720,210,4201818,472,222972,222346,4051,318,62717,500,0001920,210,420964,945353,6821,318,62719,245,4751917,500,000972,222346,4051,318,62716,527,7782019,245,475981,832336,7961,318,62718,263,6442016,527,778972,222346,4051,318,62715,555,5562118,263,644999,014319,6141,318,62717,264,6302115,555,556972,222346,4051,318,62714,583,3332217,264,6301,016,496302,1311,318,62716,248,1342214,583,333972,222346,4051,318,62713,611,1112316,248,1341,034,285284,3421,318,62715,213,8492313,611,111972,222346,4051,318,62712,638,8892415,213,8491,052,385266,2421,318,62714,161,4642412,638,889972,222346,4051,318,62711,666,6672514,161,4641,070,802247,8261,318,62713,090,6622511,666,667972,222346,4051,318,62710,694,4442613,090,6621,089,541229,0871,318,62712,001,1222610,694,444972,222346,4051,318,6279,722,2222712,001,1221,108,608210,0201,318,62710,892,514279,722,222972,222346,4051,318,6278,750,0002810,892,5141,128,008190,6191,318,6279,764,505288,750,000972,222346,4051,318,6277,777,778299,764,5051,147,749170,8791,318,6278,616,757297,777,778972,222346,4051,318,6276,805,556308,616,7571,167,834150,7931,318,6277,448,923306,805,556972,222346,4051,318,6275,833,333317,448,9231,188,271130,3561,318,6276,260,652315,833,333972,222346,4051,318,6274,861,111326,260,6521,209,066109,5611,318,6275,051,586324,861,111972,222346,4051,318,6273,888,889335,051,5861,230,22588,4031,318,6273,821,361333,888,889972,222346,4051,318,6272,916,667343,821,3611,251,75466,8741,318,6272,569,607342,916,667972,222346,4051,318,6271,944,444352,569,6071,273,65944,9681,318,6271,295,948351,944,444972,222346,4051,318,627972,222361,295,9481,295,94822,6791,318,627036972,222972,222346,4051,318,627(0)TOTAL35,000,00012,470,58547,470,585TOTAL35,000,00012,470,58547,470,585Suku Bunga Fixed11.88%Angsuran ke2613,090,662

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