hal
hal
Bunga = SP x i x (30/360)
SP = saldo pokok pinjaman bulan sebelumnya, i = suku bunga
per tahun, 30 = jumlah hari dalam 1 bulan, 360 = jumlah hari
dalam 1 tahun.
Bunga efektif bulan 1
= Rp 24.000.000,00 x 10% x (30 hari/360 hari) = Rp 200.000,00
Angsuran pokok dan bunga pada bulan 1 adalah Rp 1.000.000,00
+ 200.000,00 = Rp 1.200.000,00
Bunga efektif bulan 2
= Rp 23.000.000,00 x 10% x (30 hari/360 hari) = Rp 191.666,67
Angsuran pokok dan bunga pada bulan 2 adalah Rp 1.000.000,00
+ 191.666,67 = Rp 1.191.666,67
Angsuran bulan kedua lebih kecil dari angsuran bulan pertama.
Demikian pula untuk bulan-bulan selanjutnya, besar angsuran akan
semakin menurun dari waktu ke waktu.
Metode Anuitas
Merupakan modifikasi dari metode efektif. Metode ini mengatur
jumlah angsuran pokok dan bunga yang dibayar agar sama setiap
bulan. Rumus perhitungan bunga sama dengan metode efektif
yaitu :
Bunga = SP x i x (30/360)
SP = saldo pokok pinjaman bulan sebelumnya, i = suku bunga
per tahun, 30 = jumlah hari dalam 1 bulan, 360 = jumlah hari
dalam 1 tahun.
Biasanya Bank memiliki aplikasi software yang secara otomatis
menghitung Bunga anuitas.
Metode Penghitungan Bunga
hal
hal
hal
hal
Angsuran
Pokok
Bunga
4,666,667 4,166,667
500,000
4,666,667 4,166,667
500,000
4,666,667 4,166,667
500,000
4,666,667 4,166,667
500,000
4,666,667 4,166,667
500,000
4,666,667 4,166,667
500,000
4,666,667 4,166,667
500,000
4,666,667 4,166,667
500,000
4,666,667 4,166,667
500,000
4,666,667 4,166,667
500,000
4,666,667 4,166,667
500,000
4,666,667 4,166,663
500,004
56,000,004 50,000,000 6,000,004
Saldo Akhir
45,833,333
41,666,666
37,499,999
33,333,332
29,166,665
24,999,998
20,833,331
16,666,664
12,499,997
8,333,330
4,166,663
0
hal
Angsuran
Pokok
Bunga
4,666,667 4,166,667
500,000
4,625,000 4,166,667
458,333
4,583,334 4,166,667
416,667
4,541,667 4,166,667
375,000
4,500,000 4,166,667
333,333
4,458,334 4,166,667
291,667
4,416,667 4,166,667
250,000
4,375,000 4,166,667
208,333
4,333,334 4,166,667
166,667
4,291,667 4,166,667
125,000
4,250,000 4,166,667
83,333
4,208,334 4,166,663
41,671
53,250,004 50,000,000 3,250,004
Saldo Akhir
45,833,333
41,666,666
37,499,999
33,333,332
29,166,665
24,999,998
20,833,331
16,666,664
12,499,997
8,333,330
4,166,663
0
hal
Angsuran
Pokok
Bunga
4,442,439 3,942,439
500,000
4,442,439 3,981,863
460,576
4,442,439 4,021,682
420,757
4,442,439 4,061,899
380,540
4,442,439 4,102,518
339,921
4,442,439 4,143,543
298,896
4,442,439 4,184,978
257,461
4,442,439 4,226,828
215,611
4,442,439 4,269,096
173,343
4,442,439 4,311,787
130,652
4,442,439 4,354,905
87,534
4,442,439 4,398,462
43,977
53,309,268 50,000,000 3,309,268
Saldo Akhir
46,057,561
42,075,698
38,054,016
33,992,117
29,889,599
25,746,056
21,561,078
17,334,250
13,065,154
8,753,367
4,398,462
0
hal
Tgl. Angsuran
03-04-2009
03-05-2009
03-06-2009
03-07-2009
03-08-2009
03-09-2009
03-10-2009
03-11-2009
03-12-2009
03-01-2010
03-02-2010
03-03-2010
03-04-2010
03-05-2010
03-06-2010
03-07-2010
03-08-2010
03-09-2010
03-10-2010
03-11-2010
03-12-2010
03-01-2011
03-02-2011
03-03-2011
Jumlah
Angsuran
Pokok
Bunga
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,333
500,000
2,583,333 2,083,341
499,992
61,999,992 50,000,000 11,999,992
Saldo Akhir
47,916,667
45,833,334
43,750,001
41,666,668
39,583,335
37,500,002
35,416,669
33,333,336
31,250,003
29,166,670
27,083,337
25,000,004
22,916,671
20,833,338
18,750,005
16,666,672
14,583,339
12,500,006
10,416,673
8,333,340
6,250,007
4,166,674
2,083,341
0
hal 10
Jangka Waktu
: 24 bulan
Angsuran
Pokok
Bunga
2,583,333 2,083,333
500,000
2,562,500 2,083,333
479,167
2,541,666 2,083,333
458,333
2,520,833 2,083,333
437,500
2,500,000 2,083,333
416,667
2,479,166 2,083,333
395,833
2,458,333 2,083,333
375,000
2,437,500 2,083,333
354,167
2,416,666 2,083,333
333,333
2,395,833 2,083,333
312,500
2,375,000 2,083,333
291,667
2,354,166 2,083,333
270,833
2,333,333 2,083,333
250,000
2,312,500 2,083,333
229,167
2,291,666 2,083,333
208,333
2,270,833 2,083,333
187,500
2,250,000 2,083,333
166,667
2,229,166 2,083,333
145,833
2,208,333 2,083,333
125,000
2,187,500 2,083,333
104,167
2,166,666 2,083,333
83,333
2,145,833 2,083,333
62,500
2,125,000 2,083,333
41,667
2,104,166 2,083,341
20,825
56,249,992 50,000,000 6,249,992
Saldo Akhir
47,916,667
45,833,334
43,750,001
41,666,668
39,583,335
37,500,002
35,416,669
33,333,336
31,250,003
29,166,670
27,083,337
25,000,004
22,916,671
20,833,338
18,750,005
16,666,672
14,583,339
12,500,006
10,416,673
8,333,340
6,250,007
4,166,674
2,083,341
0
hal 11
Angsuran
Pokok
Bunga
2,353,674 1,853,674
500,000
2,353,674 1,872,211
481,463
2,353,674 1,890,933
462,741
2,353,674 1,909,842
443,832
2,353,674 1,928,941
424,733
2,353,674 1,948,230
405,444
2,353,674 1,967,712
385,962
2,353,674 1,987,389
366,285
2,353,674 2,007,263
346,411
2,353,674 2,027,336
326,338
2,353,674 2,047,609
306,065
2,353,674 2,068,085
285,589
2,353,674 2,088,766
264,908
2,353,674 2,109,654
244,020
2,353,674 2,130,750
222,924
2,353,674 2,152,058
201,616
2,353,674 2,173,579
180,095
2,353,674 2,195,314
158,360
2,353,674 2,217,267
136,407
2,353,674 2,239,440
114,234
2,353,674 2,261,835
91,839
2,353,674 2,284,453
69,221
2,353,674 2,307,297
46,377
2,353,674 2,330,362
23,312
56,488,176 50,000,000 6,488,176
Saldo Akhir
48,146,326
46,274,115
44,383,182
42,473,340
40,544,399
38,596,169
36,628,457
34,641,068
32,633,805
30,606,469
28,558,860
26,490,775
24,402,009
22,292,355
20,161,605
18,009,547
15,835,968
13,640,654
11,423,387
9,183,947
6,922,112
4,637,659
2,330,362
0
Angsuran
1,133,333
1,133,333
Pokok
833,333
833,333
Bunga
300,000
300,000
Saldo Akhir
29,166,667
28,333,334
hal 12
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
03-06-2009
03-07-2009
03-08-2009
03-09-2009
03-10-2009
03-11-2009
03-12-2009
03-01-2010
03-02-2010
03-03-2010
03-04-2010
03-05-2010
03-06-2010
03-07-2010
03-08-2010
03-09-2010
03-10-2010
03-11-2010
03-12-2010
03-01-2011
03-02-2011
03-03-2011
03-04-2011
03-05-2011
03-06-2011
03-07-2011
03-08-2011
03-09-2011
03-10-2011
03-11-2011
03-12-2011
03-01-2012
03-02-2012
03-03-2012
Jumlah
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,333
300,000
1,133,333
833,345
299,988
40,799,988 30,000,000 10,799,988
27,500,001
26,666,668
25,833,335
25,000,002
24,166,669
23,333,336
22,500,003
21,666,670
20,833,337
20,000,004
19,166,671
18,333,338
17,500,005
16,666,672
15,833,339
15,000,006
14,166,673
13,333,340
12,500,007
11,666,674
10,833,341
10,000,008
9,166,675
8,333,342
7,500,009
6,666,676
5,833,343
5,000,010
4,166,677
3,333,344
2,500,011
1,666,678
833,345
0
hal 13
Angsuran
1,133,333
1,125,000
1,116,666
Pokok
833,333
833,333
833,333
Bunga
300,000
291,667
283,333
Saldo Akhir
29,166,667
28,333,334
27,500,001
hal 14
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
03-07-2009
03-08-2009
03-09-2009
03-10-2009
03-11-2009
03-12-2009
03-01-2010
03-02-2010
03-03-2010
03-04-2010
03-05-2010
03-06-2010
03-07-2010
03-08-2010
03-09-2010
03-10-2010
03-11-2010
03-12-2010
03-01-2011
03-02-2011
03-03-2011
03-04-2011
03-05-2011
03-06-2011
03-07-2011
03-08-2011
03-09-2011
03-10-2011
03-11-2011
03-12-2011
03-01-2012
03-02-2012
03-03-2012
Jumlah
1,108,333
833,333
275,000
1,100,000
833,333
266,667
1,091,666
833,333
258,333
1,083,333
833,333
250,000
1,075,000
833,333
241,667
1,066,666
833,333
233,333
1,058,333
833,333
225,000
1,050,000
833,333
216,667
1,041,666
833,333
208,333
1,033,333
833,333
200,000
1,025,000
833,333
191,667
1,016,666
833,333
183,333
1,008,333
833,333
175,000
1,000,000
833,333
166,667
991,666
833,333
158,333
983,333
833,333
150,000
975,000
833,333
141,667
966,666
833,333
133,333
958,333
833,333
125,000
950,000
833,333
116,667
941,666
833,333
108,333
933,333
833,333
100,000
925,000
833,333
91,667
916,666
833,333
83,333
908,333
833,333
75,000
900,000
833,333
66,667
891,666
833,333
58,333
883,333
833,333
50,000
875,000
833,333
41,667
866,666
833,333
33,333
858,333
833,333
25,000
850,000
833,333
16,667
841,666
833,345
8,321
35,549,988 30,000,000 5,549,988
26,666,668
25,833,335
25,000,002
24,166,669
23,333,336
22,500,003
21,666,670
20,833,337
20,000,004
19,166,671
18,333,338
17,500,005
16,666,672
15,833,339
15,000,006
14,166,673
13,333,340
12,500,007
11,666,674
10,833,341
10,000,008
9,166,675
8,333,342
7,500,009
6,666,676
5,833,343
5,000,010
4,166,677
3,333,344
2,500,011
1,666,678
833,345
0
hal 15
Angsuran
996,429
996,429
996,429
996,429
996,429
996,429
Pokok
696,429
703,393
710,427
717,531
724,707
731,954
Bunga
300,000
293,036
286,002
278,898
271,722
264,475
Saldo Akhir
29,303,571
28,600,178
27,889,751
27,172,220
26,447,513
25,715,559
hal 16
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
03-10-2009
03-11-2009
03-12-2009
03-01-2010
03-02-2010
03-03-2010
03-04-2010
03-05-2010
03-06-2010
03-07-2010
03-08-2010
03-09-2010
03-10-2010
03-11-2010
03-12-2010
03-01-2011
03-02-2011
03-03-2011
03-04-2011
03-05-2011
03-06-2011
03-07-2011
03-08-2011
03-09-2011
03-10-2011
03-11-2011
03-12-2011
03-01-2012
03-02-2012
03-03-2012
Jumlah
996,429
739,273
257,156
996,429
746,666
249,763
996,429
754,133
242,296
996,429
761,674
234,755
996,429
769,291
227,138
996,429
776,984
219,445
996,429
784,754
211,675
996,429
792,601
203,828
996,429
800,527
195,902
996,429
808,532
187,897
996,429
816,618
179,811
996,429
824,784
171,645
996,429
833,032
163,397
996,429
841,362
155,067
996,429
849,776
146,653
996,429
858,273
138,156
996,429
866,856
129,573
996,429
875,525
120,904
996,429
884,280
112,149
996,429
893,123
103,306
996,429
902,054
94,375
996,429
911,075
85,354
996,429
920,185
76,244
996,429
929,387
67,042
996,429
938,681
57,748
996,429
948,068
48,361
996,429
957,549
38,880
996,429
967,124
29,305
996,429
976,795
19,634
996,429
986,577
9,852
35,871,444 30,000,000 5,871,444
24,976,286
24,229,620
23,475,487
22,713,813
21,944,522
21,167,538
20,382,784
19,590,183
18,789,656
17,981,124
17,164,506
16,339,722
15,506,690
14,665,328
13,815,552
12,957,279
12,090,423
11,214,898
10,330,618
9,437,495
8,535,441
7,624,366
6,704,181
5,774,794
4,836,113
3,888,045
2,930,496
1,963,372
986,577
0
hal 17
hal 18
hal
19
hal 20