PANIN BANK

GIRO

Produk

TABUNGAN

Suku Bunga

JUMLAH

(% pa)

< Rp 500 Ribu

0 - Rp 1 Juta
Rp 1 Juta - Rp 25
Juta

DEPOSITO
Suku Bunga (%
pa)

Jangka Waktu
(hari)
0

0.00%

Rp 500 Ribu Rp 1 Juta

0.5

Mata Uang

Jangka Waktu

14

IDR

3.50

3.50

4.75

0.50%

Rp 1 Juta - Rp
10 Juta

0.75

USD

0.10

0.25

Rp 25 Juta - Rp 100
Juta

0.75%

Rp 10 Juta - Rp
25 Juta

1.25

GBP

0.10

Rp 100 Juta - Rp
500 Juta

1.50%

Rp 25 Juta - Rp
100 Juta

1.5

AUD

2.00

2.50%

Rp 100 Juta Rp 500 Juta

SGD

0.10

2.75%

Rp 500 Juta Rp 1 Milyar

2.5

EUR

0.10

NZD

1.00

Rp 500 Juta - Rp 1
Milyar
>= Rp 1 Milyar

>= Rp 1 Milyar
BANK BUKOPIN
SUKU BUNGA TABUNGAN
KESIMPULAN :
Tabungan
JUMLAH
Rp. 0 - Rp.
500.000
RP. 500.000 - Rp.
1.000.000
> Rp. 1.000.000

DEPOSITO

BUNGA (p.a)
0%

0.25%
1%

Jangka Waktu Bunga

1 Bulan
5%
3 Bulan
5%
6 Bulan
5.5 %

12 Bulan

5.5 %

BNI
GIRO

DEPOSITO

Tiering Saldo

Suku Bunga (%)

pa

< Rp 10.000.000

Rp 10.000.000 - <
Rp 100.000.000,-Rp 100.000.000 Rp Rp.
500.000.000,-> Rp.
500.000.000,--

TABUNGAN

Suku Bunga Deposito Rupiah

Jangka
Waktu

<100 Juta

Saldo

=> 100 Juta

dan < 1 M => 1 Milyar

< Rp 1 juta

0.5

1 Bulan

4,25% pa

4,25% pa

4,50% pa

Rp 1 juta s/d
Rp 50 juta

1.25

3 Bulan

4,50% pa

4,50% pa

4,75% pa

Rp 50 juta s/d
Rp 500 juta

6 Bulan

4,75% pa

5,00% pa

5,25% pa

Rp 500 juta sd.

Rp 1 miliar

12 Bulan

5,00% pa

5,25% pa

5,25% pa

Rp 1 miliar

24 Bulan

5,00% pa

5,25% pa

5,25% pa

BANK DKI

GIRO

Deposito
Jumlah

Rp 5 Juta <
Rp 100 Juta
Rp 100 Juta - <
Rp 5 Milyar
Diatas Rp 5
Milyar

TABUNGAN
----

Suku Bunga
(p.a)

Rp
Rp.1 Juta
Rp.1
s/d
Milyar

1%

2%

Rp.1
Milyar

No.

US Dollar

keatas

Suku Bunga
01 Bulan
4,75% pa 5,00 %
pa

1,00 % pa

03 Bulan

4,75% pa 5,00 %
pa

1,00 % pa

06 Bulan

4,75% pa 5,00 %
pa

1,00 % pa

12 Bulan

4,75% pa 5,00 %
pa

1,00 % pa

6.5%

BANK MANDIRI

GIRO

TABUNGAN

Jangka Waktu (bulan)

3 4 5
4.75

6 7 8 9
4.75

Tier

12 24
4.75

Suku Bunga

Tier

< 5 Juta

0.00

0 - < 1Juta

0.50

1 Juta - < 10 Juta

0.50

0.75

0.75

>= 5 Juta - < 50

Juta

0.10

0.10

0.10

>= 50 Juta - < 500 Juta

1.25

10 Juta - < 100 Juta

2.00

2.00

2.00

>= 500 Juta - < 1M

1.50

100 Juta - < 1 M

0.10

0.10

0.10

>= 1M

2.00

>= 1M

0.10

0.10

0.10

1.00

1.00

1.00

DEPOSITO
Tenor (bulan)
Tier
1

< Rp. 50 Juta

4.25

4.25

4.75

>=50 Juta - <

100Juta
>=100 Juta - < 500Jt
>=500 Juta - < 1M

4.25
4.25
4.25

4.25
4.50
4.50

4.75
5.00
5.00

>=1M - < 5M

4.50

4.75

5.25

>=5M - < 10M

>= 10M

4.50
4.50

4.75
4.75

5.25
5.25

Bank Tabungan Negara

Suku
Bunga
(%) pa

Tabungan

Deposito

Suku Bunga Tabungan

BTN Batara

Suku Bunga Deposito BTN

s/d 500.000

0.00%

1 bulan < 100.000.000,-

> 500.000 s/d 2.000.000

1.00%

3 bulan < 100.000.000,-

> 2.000.000 s/d

50.000.000

1.25%

6 bulan < 100.000.000,-

> 50.000.000 s/d

250.000.000

1.75%

12 bulan < 100.000.000,-

> 250.000.000 s/d

2.000.000.000

2.25%

24 bulan < 100.000.000,-

> 2.000.000.000

2.75%

1 bulan >= 100.000.000,- s/d

1.000.000.000,-

1.25

1.5
2.25

3 bulan >= 100.000.000,- s/d

1.000.000.000,6 bulan >= 100.000.000,- s/d
1.000.000.000,-

GIRO
Suku Bunga Giro BTN
< 5.000.000
> 5.000.000 s/d 100.000.000
> 100.000.000 s/d
500.000.000

0.00%
0.50%
1.50%

> 500.000.000 s/d

1.000.000.000
> 1.000.000.000

2.00%
2.75%

Suku Bunga
0.00
1.00
1.25
1.60
2.25

5.00

24

5.00

5.00
5.00
5.25

5.00
5.00
5.25

5.25

5.25

5.25
5.25

5.25
5.25

12

4.25%

12 bulan >= 100.000.000,s/d 1.000.000.000,-

5.25%

4.50%

24 bulan >= 100.000.000,s/d 1.000.000.000,-

5.25%

4.75%

1 bulan >= 1.000.000.000,-

4.75%

5.00%

3 bulan >= 1.000.000.000,-

5.00%

5.00%

6 bulan >= 1.000.000.000,-

5.00%

4.50%

12 bulan >= 1.000.000.000,-

5.25%

4.75%

24 bulan >= 1.000.000.000,-

5.25%

5.00%

BANK BUKOPIN
( % per tahun )
Suku Bunga Dasar Kredit ( Prime Lending Rate ) Berdasarkan Segmen
Bisnis
Kredit Konsumsi
Kredit
Korporasi
Kredit Ritel Kredit Mikro
KPR
Non KPR
Suku Bunga Dasar
Kredit ( Prime
Lending Rate )

10.54

12.48

13.76

11.71

12.47

PANIN BANK
( % per Segmen
tahun )
Suku Bunga Dasar Kredit ( Prime Lending Rate ) Berdasarkan
Bisnis
Kredit Konsumsi
Kredit
Korporasi
Kredit Ritel Kredit Mikro
KPR
Non KPR
Suku Bunga Dasar
Kredit ( Prime
Lending Rate )

9.5

9.5

17

10

10

BANK MANDIRI
( % per Segmen
tahun )
Suku Bunga Dasar Kredit ( Prime Lending Rate ) Berdasarkan
Bisnis
Kredit Konsumsi
Kredit
Korporasi
Kredit Ritel Kredit Mikro
KPR
Non KPR
Suku Bunga Dasar
Kredit ( Prime
Lending Rate )

10

12

22

10.76

12

KESIMPULAN

BANK BNI
( % per Segmen
tahun )
Suku Bunga Dasar Kredit ( Prime Lending Rate ) Berdasarkan
Bisnis
Kredit Konsumsi
Kredit
Korporasi
Kredit Ritel Kredit Mikro
KPR
Non KPR
Suku Bunga Dasar
Kredit ( Prime
Lending Rate )

10

11.6

11.6

10.65

12.25

BANK BTN
( % per Segmen
tahun )
Suku Bunga Dasar Kredit ( Prime Lending Rate ) Berdasarkan
Bisnis
Kredit Konsumsi
Kredit
Korporasi
Kredit Ritel Kredit Mikro
KPR
Non KPR
Suku Bunga Dasar
Kredit ( Prime
Lending Rate )

10

10.25

17.75

10.45

11

BANK DKI
( % per Segmen
tahun )
Suku Bunga Dasar Kredit ( Prime Lending Rate ) Berdasarkan
Bisnis
Kredit Konsumsi
Kredit
Korporasi
Kredit Ritel Kredit Mikro
KPR
Non KPR
Suku Bunga Dasar
Kredit ( Prime
Lending Rate )

9.75

11.35

17

10.3

11.1

Schedule Pembayaran
Periode

Angsuran

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23

Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41

Bunga

Amor Hutang

Saldo Hutang

Rp 12,378,293 Rp12,281,025
Rp 12,275,951 Rp12,383,367
Rp 12,172,756 Rp12,486,562
Rp 12,068,701 Rp12,590,616
Rp 11,963,779 Rp12,695,538
Rp 11,857,983 Rp12,801,334
Rp 11,751,305 Rp12,908,012
Rp 11,643,739 Rp13,015,579
Rp 11,535,276 Rp13,124,042
Rp 11,425,909 Rp13,233,409
Rp 11,315,630 Rp13,343,687
Rp 11,204,433 Rp13,454,885
Rp 11,092,309 Rp13,567,009
Rp 10,979,250 Rp13,680,067
Rp 10,865,250 Rp13,794,068
Rp 10,750,299 Rp13,909,018
Rp 10,634,391 Rp14,024,927
Rp 10,517,516 Rp14,141,801
Rp 10,399,668 Rp14,259,649
Rp 10,280,838 Rp14,378,480
Rp 10,161,017 Rp14,498,301
Rp 10,040,198 Rp14,619,120
Rp
9,918,372 Rp14,740,946

Rp 1,485,395,100
Rp 1,473,114,075
Rp 1,460,730,708
Rp 1,448,244,147
Rp 1,435,653,531
Rp 1,422,957,993
Rp 1,410,156,658
Rp 1,397,248,647
Rp 1,384,233,068
Rp 1,371,109,026
Rp 1,357,875,617
Rp 1,344,531,930
Rp 1,331,077,045
Rp 1,317,510,037
Rp 1,303,829,969
Rp 1,290,035,902
Rp 1,276,126,884
Rp 1,262,101,957
Rp 1,247,960,156
Rp 1,233,700,506
Rp 1,219,322,026
Rp 1,204,823,726
Rp 1,190,204,606
Rp 1,175,463,661

HARGA KPR
DP
DP
J12
Bank
i
t (tahun)
n
Jenis
PV

Rp

9,795,531 Rp14,863,787

Rp 1,160,599,874

25

Rp24,659,317.41
Rp27,610,589.85

Rp

14,507,498

Rp13,103,091

Rp

1,147,496,782 J12

26

Rp27,610,589.85

Rp

14,343,710

Rp13,266,880

Rp

1,134,229,902 Bank

27

Rp27,610,589.85

Rp

14,177,874

Rp13,432,716

Rp

1,120,797,186 i

28

Rp27,610,589.85

Rp

14,009,965

Rp13,600,625

Rp

1,107,196,561 t (tahun)

29

Rp27,610,589.85

Rp

13,839,957

Rp13,770,633

Rp

1,093,425,928 n

30

Rp27,610,589.85

Rp

13,667,824

Rp13,942,766

Rp

1,079,483,162 Jenis

31

Rp27,610,589.85

Rp

13,493,540

Rp14,117,050

Rp

1,065,366,112 PV

32

Rp27,610,589.85

Rp

13,317,076

Rp14,293,513

Rp

1,051,072,599

33

Rp27,610,589.85

Rp

13,138,407

Rp14,472,182

Rp

1,036,600,416

34

Rp27,610,589.85

Rp

12,957,505

Rp14,653,085

Rp

1,021,947,332

Rp

12,774,342

Rp14,836,248

24

35

Rp27,610,589.85

36

Rp27,610,589.85

Rp

1,007,111,083

Rp 12,588,889 Rp15,021,701

Rp

992,089,382

37

Rp27,610,589.85

Rp

12,401,117

Rp15,209,473

Rp

976,879,910

38

Rp27,610,589.85

Rp

12,210,999

Rp15,399,591

Rp

961,480,319

39

Rp27,610,589.85

Rp

12,018,504

Rp15,592,086

Rp

945,888,233

40

Rp27,610,589.85

Rp

11,823,603

Rp15,786,987

Rp

930,101,246

TINGKAT BUNGA JADI 15

Rp

2,121,993,000

Periode

Angsuran

41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64

Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85
Rp27,610,589.85

65

Rp27,610,589.85

Rp

6,074,094

Rp21,536,496

15%

66

Rp27,610,589.85

Rp

5,804,888

Rp21,805,702

PANIN BANK

67

Rp27,610,589.85

Rp

5,532,316

Rp22,078,274

0.01250

68

Rp27,610,589.85

Rp

5,256,338

Rp22,354,252

69

Rp27,610,589.85

Rp

4,976,910

Rp22,633,680

60

70

Rp27,610,589.85

Rp

4,693,989

Rp22,916,601

Anuitas Biasa

71

Rp27,610,589.85

Rp

4,407,531

Rp23,203,059

72

Rp27,610,589.85

Rp

73

Rp27,610,589.85

Rp

3,823,829

Rp23,786,761

74

Rp27,610,589.85

Rp

3,526,495

Rp24,084,095

75

Rp27,610,589.85

Rp

3,225,444

Rp24,385,146

76

Rp27,610,589.85

Rp

2,920,629

Rp24,689,961

77

Rp27,610,589.85

Rp

2,612,005

Rp24,998,585

78

Rp27,610,589.85

Rp

2,299,522

Rp25,311,067

79

Rp27,610,589.85

Rp

1,983,134

Rp25,627,456

80

Rp27,610,589.85

Rp

1,662,791

Rp25,947,799

81

Rp27,610,589.85

Rp

1,338,443

Rp26,272,146

82

Rp27,610,589.85

Rp

1,010,042

Rp26,600,548

83

Rp27,610,589.85

Rp

677,535

Rp26,933,055

84

Rp27,610,589.85

Rp

30%
636,597,900
10%
PANIN BANK
0.00833
7
84
Anuitas Biasa
Rp 1,485,395,100

Rp

TINGKAT BUNGA JADI 15%

Rp

1,160,599,874

Bunga

Amor Hutang

Rp 11,626,266 Rp15,984,324
Rp 11,426,462 Rp16,184,128
Rp 11,224,160 Rp16,386,430
Rp 11,019,330 Rp16,591,260
Rp 10,811,939 Rp16,798,651
Rp 10,601,956 Rp17,008,634
Rp 10,389,348 Rp17,221,242
Rp 10,174,082 Rp17,436,508
Rp
9,956,126 Rp17,654,464
Rp
9,735,445 Rp17,875,145
Rp
9,512,006 Rp18,098,584
Rp
9,285,773 Rp18,324,816
Rp
9,056,713 Rp18,553,877
Rp
8,824,790 Rp18,785,800
Rp
8,589,967 Rp19,020,623
Rp
8,352,209 Rp19,258,380
Rp
8,111,480 Rp19,499,110
Rp
7,867,741 Rp19,742,849
Rp
7,620,955 Rp19,989,635
Rp 7,371,085 Rp20,239,505
Rp
7,118,091 Rp20,492,499
Rp
6,861,935 Rp20,748,655
Rp
6,602,577 Rp21,008,013
Rp
6,339,976 Rp21,270,613

4,117,493 Rp23,493,097

340,871 Rp27,269,718

Saldo Hutang
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

914,116,922
897,932,793
881,546,363
864,955,103
848,156,452
831,147,818
813,926,576
796,490,068
778,835,604
760,960,459
742,861,875
724,537,059
705,983,182
687,197,382
668,176,759
648,918,379
629,419,269
609,676,420
589,686,785
569,447,280
548,954,781
528,206,126
507,198,113
485,927,499

Rp

464,391,003

Rp

442,585,301

Rp

420,507,027

Rp

398,152,775

Rp

375,519,095

Rp

352,602,494

Rp

329,399,435

Rp

305,906,339

Rp

282,119,578

Rp

258,035,483

Rp

233,650,336

Rp

208,960,376

Rp

183,961,791

Rp

158,650,723

Rp

133,023,267

Rp

107,075,468

Rp

80,803,322

Rp

54,202,774

Rp

27,269,718

Rp

(0)

TINGKAT BUNGA EFEKTIF JADI 15%

J12
Bank
i
t (tahun)
n
Jenis
PV

15%
PANIN BANK
0.01250
7
60
Anuitas Biasa
Rp 1,160,599,874

Schedule Pembayaran
Periode

Angsuran

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26

Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41

27
28

Bunga

Amor Hutang

Saldo Hutang

Rp 12,378,293 Rp12,281,025
Rp 12,275,951 Rp12,383,367
Rp 12,172,756 Rp12,486,562
Rp 12,068,701 Rp12,590,616
Rp 11,963,779 Rp12,695,538
Rp 11,857,983 Rp12,801,334
Rp 11,751,305 Rp12,908,012
Rp 11,643,739 Rp13,015,579
Rp 11,535,276 Rp13,124,042
Rp 11,425,909 Rp13,233,409
Rp 11,315,630 Rp13,343,687
Rp 11,204,433 Rp13,454,885
Rp 11,092,309 Rp13,567,009
Rp 10,979,250 Rp13,680,067
Rp 10,865,250 Rp13,794,068
Rp 10,750,299 Rp13,909,018
Rp 10,634,391 Rp14,024,927
Rp 10,517,516 Rp14,141,801
Rp 10,399,668 Rp14,259,649
Rp 10,280,838 Rp14,378,480
Rp 10,161,017 Rp14,498,301
Rp 10,040,198 Rp14,619,120
Rp
9,918,372 Rp14,740,946
Rp 9,795,531 Rp14,863,787
Rp
9,671,666 Rp14,987,652
Rp
9,546,769 Rp15,112,549

Rp 1,485,395,100
Rp 1,473,114,075
Rp 1,460,730,708
Rp 1,448,244,147
Rp 1,435,653,531
Rp 1,422,957,993
Rp 1,410,156,658
Rp 1,397,248,647
Rp 1,384,233,068
Rp 1,371,109,026
Rp 1,357,875,617
Rp 1,344,531,930
Rp 1,331,077,045
Rp 1,317,510,037
Rp 1,303,829,969
Rp 1,290,035,902
Rp 1,276,126,884
Rp 1,262,101,957
Rp 1,247,960,156
Rp 1,233,700,506
Rp 1,219,322,026
Rp 1,204,823,726
Rp 1,190,204,606
Rp 1,175,463,661
Rp 1,160,599,874
Rp 1,145,612,222
Rp 1,130,499,673

Rp24,659,317.41

Rp

9,420,831

Rp15,238,487

Rp

1,115,261,186

Rp24,659,317.41

Rp

9,293,843

Rp15,365,474

Rp

1,099,895,712

29

Rp24,659,317.41

Rp

9,165,798

Rp15,493,520

Rp

1,084,402,192

30

Rp24,659,317.41

Rp

9,036,685

Rp15,622,632

Rp

1,068,779,560

31

Rp24,659,317.41

Rp

8,906,496

Rp15,752,821

Rp

1,053,026,739

32

Rp24,659,317.41

Rp

8,775,223

Rp15,884,095

Rp

1,037,142,644

33

Rp24,659,317.41

Rp

8,642,855

Rp16,016,462

Rp

1,021,126,182

34

Rp24,659,317.41

Rp

8,509,385

Rp16,149,933

Rp

1,004,976,249

8,374,802

Rp16,284,515

Rp

988,691,734

Rp

972,271,515

35

Rp24,659,317.41

Rp

36

Rp24,659,317.41

Rp

37

Rp24,659,317.41

Rp

8,102,263

Rp16,557,055

Rp

955,714,460

38

Rp24,659,317.41

Rp

7,964,287

Rp16,695,030

Rp

939,019,429

39

Rp24,659,317.41

Rp

7,825,162

Rp16,834,155

Rp

922,185,274

40

Rp24,659,317.41

Rp

7,684,877

Rp16,974,440

Rp

905,210,834

8,239,098 Rp16,420,220

HARGA KPR
DP
DP
J12
Bank
i
t (tahun)
n
Jenis
PV

Rp

2,121,993,000

30%
636,597,900
10%
PANIN BANK
0.00833
7
84
Anuitas Biasa
Rp 1,485,395,100

Rp

Periode

Angsuran

Bunga

Amor Hutang

41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67

Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41
Rp24,659,317.41

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

68

Rp24,659,317.41

Rp

3,244,670

Rp21,414,648

69

Rp24,659,317.41

Rp

3,066,214

Rp21,593,103

70

Rp24,659,317.41

Rp

2,886,272

Rp21,773,046

71

Rp24,659,317.41

Rp

2,704,830

Rp21,954,488

72

Rp24,659,317.41

Rp

73

Rp24,659,317.41

Rp

2,337,397

Rp22,321,921

74

Rp24,659,317.41

Rp

2,151,381

Rp22,507,937

75

Rp24,659,317.41

Rp

1,963,815

Rp22,695,503

76

Rp24,659,317.41

Rp

1,774,685

Rp22,884,632

77

Rp24,659,317.41

Rp

1,583,980

Rp23,075,337

78

Rp24,659,317.41

Rp

1,391,686

Rp23,267,632

79

Rp24,659,317.41

Rp

1,197,789

Rp23,461,529

80

Rp24,659,317.41

Rp

1,002,276

Rp23,657,041

81

Rp24,659,317.41

Rp

805,134

Rp23,854,183

82

Rp24,659,317.41

Rp

606,349

Rp24,052,968

83

Rp24,659,317.41

Rp

405,908

Rp24,253,410

84

Rp24,659,317.41

Rp

7,543,424 Rp17,115,894
7,400,791 Rp17,258,526
7,256,970 Rp17,402,347
7,111,951 Rp17,547,367
6,965,722 Rp17,693,595
6,818,276 Rp17,841,042
6,669,601 Rp17,989,717
6,519,686 Rp18,139,631
6,368,523 Rp18,290,795
6,216,099 Rp18,443,218
6,062,406 Rp18,596,912
5,907,432 Rp18,751,886
5,751,166 Rp18,908,152
5,593,598 Rp19,065,719
5,434,717 Rp19,224,600
5,274,512 Rp19,384,805
5,112,972 Rp19,546,346
4,950,086 Rp19,709,232
4,785,842 Rp19,873,475
4,620,230 Rp20,039,088
4,453,237 Rp20,206,080
4,284,853 Rp20,374,464
4,115,066 Rp20,544,251
3,943,864 Rp20,715,453
3,771,235 Rp20,888,082
3,597,168 Rp21,062,149
3,421,650 Rp21,237,667

2,521,875 Rp22,137,442

203,796 Rp24,455,521

Saldo Hutang

HARGA KPR

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

888,094,940
870,836,414
853,434,067
835,886,700
818,193,105
800,352,063
782,362,346
764,222,715
745,931,920
727,488,702
708,891,791
690,139,905
671,231,753
652,166,034
632,941,433
613,556,628
594,010,283
574,301,051
554,427,575
534,388,488
514,182,408
493,807,944
473,263,693
452,548,239
431,660,157
410,598,008
389,360,340

Rp

367,945,693

Rp

346,352,589

Rp

324,579,543

Rp

302,625,056

Rp

280,487,614

Rp

258,165,693

Rp

235,657,756

Rp

212,962,254

Rp

190,077,622

Rp

167,002,284

Rp

143,734,653

Rp

120,273,124

Rp

96,616,083

Rp

72,761,899

Rp

48,708,931

Rp

24,455,521

Rp

(0)

DP
DP
J12
Bank
i
t (tahun)
n
Jenis
PV

Rp

2,121,993,000

30%
636,597,900
10%
PANIN BANK
0.00833
7
84
Anuitas Biasa
Rp 1,485,395,100

Rp

Schedule Pembayaran
Periode

Angsuran

Bunga

Amor Hutang

Saldo Hutang

0
1
2
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
37
38
39
40

Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40

Rp
Rp 12,174,496
Rp 12,072,155
Rp 11,968,960
Rp 11,864,905
Rp 11,759,983
Rp 11,654,187
Rp 11,547,509
Rp 11,439,943
Rp 11,331,480
Rp 11,222,113
Rp 11,111,834
Rp 11,000,637
Rp 10,888,513
Rp 10,775,454
Rp 10,661,454
Rp 10,546,503
Rp 10,430,595
Rp 10,313,720
Rp 10,195,872
Rp 10,077,042
Rp
9,957,221
Rp
9,836,402
Rp 9,714,576
Rp
9,591,734
Rp
9,467,870
Rp
9,342,973
Rp
9,217,035
Rp
9,090,047
Rp
8,962,002
Rp
8,832,889
Rp
8,702,700
Rp
8,571,427
Rp
8,439,059
Rp
8,305,589
Rp 8,171,006
Rp
8,035,302
Rp
7,898,467
Rp
7,760,491
Rp
7,621,366
Rp
7,481,081

Rp24,455,521.40
Rp12,281,024.91
Rp12,383,366.78
Rp12,486,561.51
Rp12,590,616.18
Rp12,695,537.99
Rp12,801,334.14
Rp12,908,011.92
Rp13,015,578.69
Rp13,124,041.84
Rp13,233,408.86
Rp13,343,687.26
Rp13,454,884.66
Rp13,567,008.70
Rp13,680,067.10
Rp13,794,067.66
Rp13,909,018.23
Rp14,024,926.71
Rp14,141,801.10
Rp14,259,649.44
Rp14,378,479.86
Rp14,498,300.52
Rp14,619,119.69
Rp14,740,945.69
Rp14,863,786.90
Rp14,987,651.79
Rp15,112,548.89
Rp15,238,486.80
Rp15,365,474.19
Rp15,493,519.81
Rp15,622,632.47
Rp15,752,821.08
Rp15,884,094.59
Rp16,016,462.04
Rp16,149,932.56
Rp16,284,515.33
Rp16,420,219.62
Rp16,557,054.79
Rp16,695,030.24
Rp16,834,155.50
Rp16,974,440.12

Rp 1,460,939,579
Rp 1,448,658,554
Rp 1,436,275,187
Rp 1,423,788,625
Rp 1,411,198,009
Rp 1,398,502,471
Rp 1,385,701,137
Rp 1,372,793,125
Rp 1,359,777,546
Rp 1,346,653,505
Rp 1,333,420,096
Rp 1,320,076,409
Rp 1,306,621,524
Rp 1,293,054,515
Rp 1,279,374,448
Rp 1,265,580,380
Rp 1,251,671,362
Rp 1,237,646,435
Rp 1,223,504,634
Rp 1,209,244,985
Rp 1,194,866,505
Rp 1,180,368,205
Rp 1,165,749,085
Rp 1,151,008,139
Rp 1,136,144,352
Rp 1,121,156,700
Rp 1,106,044,152
Rp 1,090,805,665
Rp 1,075,440,191
Rp 1,059,946,671
Rp 1,044,324,038
Rp 1,028,571,217
Rp 1,012,687,123
Rp
996,670,661
Rp
980,520,728
Rp 964,236,213
Rp
947,815,993
Rp
931,258,938
Rp
914,563,908
Rp
897,729,753
Rp
880,755,312

HARGA KPR
DP
PV
J12
Bank
i
t (tahun)
n
Jenis
PV

Rp

2,121,993,000

30%
636,597,900
10%
PANIN BANK
0.00833
7
84
Anuitas Dimuka
Rp 1,485,395,100

Rp

Periode

Angsuran

41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83

Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40

Bunga
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

7,339,628
7,196,995
7,053,174
6,908,155
6,761,926
6,614,480
6,465,805
6,315,890
6,164,727
6,012,303
5,858,610
5,703,636
5,547,370
5,389,802
5,230,921
5,070,716
4,909,176
4,746,290
4,582,046
4,416,434
4,249,441
4,081,057
3,911,270
3,740,068
3,567,439
3,393,372
3,217,854
3,040,873
2,862,418
2,682,476
2,501,034
2,318,079
2,133,601
1,947,585
1,760,019
1,570,889
1,380,184
1,187,890
993,993
798,480
601,338
402,553
202,112

Amor Hutang
Rp17,115,894
Rp17,258,526
Rp17,402,347
Rp17,547,367
Rp17,693,595
Rp17,841,042
Rp17,989,717
Rp18,139,631
Rp18,290,795
Rp18,443,218
Rp18,596,912
Rp18,751,886
Rp18,908,152
Rp19,065,719
Rp19,224,600
Rp19,384,805
Rp19,546,346
Rp19,709,232
Rp19,873,475
Rp20,039,088
Rp20,206,080
Rp20,374,464
Rp20,544,251
Rp20,715,453
Rp20,888,082
Rp21,062,149
Rp21,237,667
Rp21,414,648
Rp21,593,103
Rp21,773,046
Rp21,954,488
Rp22,137,442
Rp22,321,921
Rp22,507,937
Rp22,695,503
Rp22,884,632
Rp23,075,337
Rp23,267,632
Rp23,461,529
Rp23,657,041
Rp23,854,183
Rp24,052,968
Rp24,253,410

Saldo Hutang
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

HARGA KPR

863,639,419 DP
846,380,892 PV
828,978,545 J12
811,431,178 Bank
793,737,583 i
775,896,542 t (tahun)
757,906,825 n
739,767,194 Jenis
721,476,399 PV
703,033,181
684,436,269
665,684,384
646,776,232
627,710,513
608,485,912
589,101,107
569,554,761
549,845,529
529,972,054
509,932,966
489,726,886
469,352,422
448,808,171
428,092,718
407,204,636
386,142,486
364,904,819
343,490,171
321,897,068
300,124,022
278,169,534
256,032,092
233,710,172
211,202,235
188,506,732
165,622,100
142,546,763
119,279,131
95,817,603
72,160,561
48,306,378
24,253,410
(0)

Rp

2,121,993,000

30%
636,597,900
10%
PANIN BANK
0.00833
7
84
Anuitas Dimuka
Rp 1,485,395,100

Rp

Schedule Pembayaran
Periode

Angsuran

Bunga

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26

Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp24,455,521.40
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

12,174,496
12,072,155
11,968,960
11,864,905
11,759,983
11,654,187
11,547,509
11,439,943
11,331,480
11,222,113
11,111,834
11,000,637
10,888,513
10,775,454
10,661,454
10,546,503
10,430,595
10,313,720
10,195,872
10,077,042
9,957,221
9,836,402
9,714,576

Rp
Rp

27

Rp23,183,736.62

28

Amor Hutang

Saldo Hutang

7,518,829
7,414,397

Rp24,455,521.40
Rp12,281,024.91
Rp12,383,366.78
Rp12,486,561.51
Rp12,590,616.18
Rp12,695,537.99
Rp12,801,334.14
Rp12,908,011.92
Rp13,015,578.69
Rp13,124,041.84
Rp13,233,408.86
Rp13,343,687.26
Rp13,454,884.66
Rp13,567,008.70
Rp13,680,067.10
Rp13,794,067.66
Rp13,909,018.23
Rp14,024,926.71
Rp14,141,801.10
Rp14,259,649.44
Rp14,378,479.86
Rp14,498,300.52
Rp14,619,119.69
Rp14,740,945.69
Rp23,183,736.62
Rp15,664,907.26
Rp15,769,339.98

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

1,460,939,579
1,448,658,554
1,436,275,187
1,423,788,625
1,411,198,009
1,398,502,471
1,385,701,137
1,372,793,125
1,359,777,546
1,346,653,505
1,333,420,096
1,320,076,409
1,306,621,524
1,293,054,515
1,279,374,448
1,265,580,380
1,251,671,362
1,237,646,435
1,223,504,634
1,209,244,985
1,194,866,505
1,180,368,205
1,165,749,085
1,151,008,139
1,127,824,403
1,112,159,495
1,096,390,155

Rp

7,309,268

Rp15,874,468.91

Rp

1,080,515,686

Rp23,183,736.62

Rp

7,203,438

Rp15,980,298.71

Rp

1,064,535,388

29

Rp23,183,736.62

Rp

7,096,903

Rp16,086,834.03

Rp

1,048,448,554

30

Rp23,183,736.62

Rp

6,989,657

Rp16,194,079.59

Rp

1,032,254,474

31

Rp23,183,736.62

Rp

6,881,696

Rp16,302,040.12

Rp

1,015,952,434

32

Rp23,183,736.62

Rp

6,773,016

Rp16,410,720.39

Rp

999,541,714

33

Rp23,183,736.62

Rp

6,663,611

Rp16,520,125.19

Rp

983,021,588

34

Rp23,183,736.62

Rp

6,553,477

Rp16,630,259.36

Rp

966,391,329

35

Rp23,183,736.62

Rp

6,442,609

Rp16,741,127.75

Rp

949,650,201

36

Rp23,183,736.62

Rp

6,331,001

Rp16,852,735.27

Rp

932,797,466

37

Rp23,183,736.62

Rp

6,218,650

Rp16,965,086.84

Rp

915,832,379

38

Rp23,183,736.62

Rp

6,105,549

Rp17,078,187.42

Rp

898,754,192

39

Rp23,183,736.62

Rp

5,991,695

Rp17,192,042.00

Rp

881,562,150

40

Rp23,183,736.62

Rp

5,877,081

Rp17,306,655.62

Rp

864,255,494

HARGA KPR
DP
PV
J12
Bank
i
t (tahun)
n
Jenis
PV

Rp

2,121,993,000

Periode

Angsuran

41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67

Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62
Rp23,183,736.62

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

5,761,703
5,645,556
5,528,635
5,410,935
5,292,449
5,173,174
5,053,104
4,932,233
4,810,556
4,688,068
4,564,764
4,440,637
4,315,683
4,189,896
4,063,270
3,935,801
3,807,481
3,678,306
3,548,270
3,417,367
3,285,591
3,152,937
3,019,398
2,884,969
2,749,644
2,613,417
2,476,281

8%

68

Rp23,183,736.62

Rp

2,338,232

PANIN BANK

69

Rp23,183,736.62

Rp

2,199,261

0.00667

70

Rp23,183,736.62

Rp

2,059,365

30%
636,597,900
10%
PANIN BANK
0.00833
7
84
Anuitas Dimuka
Rp 1,485,395,100

Rp

SALDO PER 1 JANUARI 2014

Rp 1,127,824,403

TINGKAT BUNGA EFEKTIF JADI 8%

J12
Bank
i
t (tahun)
n
Jenis
PV

Rp

Bunga

71

Rp23,183,736.62

Rp

1,918,536

60

72

Rp23,183,736.62

Rp

1,776,768

Anuitas Biasa

73

Rp23,183,736.62

Rp

1,634,055

74

Rp23,183,736.62

Rp

1,490,390

75

Rp23,183,736.62

Rp

1,345,768

76

Rp23,183,736.62

Rp

1,200,181

77

Rp23,183,736.62

Rp

1,053,624

78

Rp23,183,736.62

Rp

906,090

79

Rp23,183,736.62

Rp

757,573

80

Rp23,183,736.62

Rp

608,065

81

Rp23,183,736.62

Rp

457,560

82

Rp23,183,736.62

Rp

306,053

83

Rp23,183,736.62

Rp

153,535

1,151,008,139

Amor Hutang

Saldo Hutang

Rp17,422,033
Rp17,538,180
Rp17,655,101
Rp17,772,802
Rp17,891,287
Rp18,010,563
Rp18,130,633
Rp18,251,504
Rp18,373,181
Rp18,495,669
Rp18,618,973
Rp18,743,099
Rp18,868,053
Rp18,993,841
Rp19,120,466
Rp19,247,936
Rp19,376,255
Rp19,505,431
Rp19,635,467
Rp19,766,370
Rp19,898,146
Rp20,030,800
Rp20,164,339
Rp20,298,768
Rp20,434,093
Rp20,570,320
Rp20,707,455

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

846,833,461
829,295,281
811,640,179
793,867,377
775,976,090
757,965,527
739,834,894
721,583,390
703,210,209
684,714,541
666,095,568
647,352,468
628,484,415
609,490,574
590,370,108
571,122,172
551,745,917
532,240,486
512,605,019
492,838,650
472,940,504
452,909,704
432,745,365
412,446,598
392,012,505
371,442,185
350,734,730

Rp20,845,505

Rp

329,889,225

Rp20,984,475

Rp

308,904,750

Rp21,124,372

Rp

287,780,378

Rp21,265,201

Rp

266,515,177

Rp21,406,969

Rp

245,108,209

Rp21,549,682

Rp

223,558,527

Rp21,693,346

Rp

201,865,180

Rp21,837,969

Rp

180,027,212

Rp21,983,555

Rp

158,043,656

Rp22,130,112

Rp

135,913,544

Rp22,277,646

Rp

113,635,898

Rp22,426,164

Rp

91,209,734

Rp22,575,672

Rp

68,634,062

Rp22,726,176

Rp

45,907,886

Rp22,877,684

Rp

23,030,202

Rp23,030,202

Rp

(0)

TINGKAT BUNGA EFEKTIF JADI 8%

J12
Bank
i
t (tahun)
n
Jenis
PV

8%
PANIN BANK
0.00667
7
60
Anuitas Biasa
Rp 1,151,008,139