TYPE : STUDIO

TABEL AMORTISASI UTANG

Bunga Efektif Fixed 1 tahun lalu meningkat setiap tahun mulai tahun kedua

Periode

Besar Angsuran

Bunga

Amortisasi Hutang

0
1

Rp

2
3

Saldo Hutang
Rp

232,264,556

Harga
Dp
PV
J12
i
n

4,821,430

Rp

1,741,984

Rp

3,079,446

Rp

229,185,110

Rp

4,821,430

Rp

1,718,888

Rp

3,102,542

Rp

226,082,568

Rp

4,821,430

Rp

1,695,619

Rp

3,125,811

Rp

222,956,757

Rp

4,821,430

Rp

1,672,176

Rp

3,149,254

Rp

219,807,503

5
6
7
8
9
10
11
12

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

4,821,430
4,821,430
4,821,430
4,821,430
4,821,430
4,821,430
4,821,430
4,821,430

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

1,648,556
1,624,760
1,600,785
1,576,630
1,552,294
1,527,775
1,503,073
1,478,185

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

3,172,874
3,196,670
3,220,645
3,244,800
3,269,136
3,293,655
3,318,357
3,343,245

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

216,634,629
213,437,958
210,217,313
206,972,513
203,703,376
200,409,722
197,091,364
193,748,119

PV

13

Rp

4,913,953

Rp

1,614,568

Rp

3,299,385

Rp

190,448,734

J12

14

Rp

4,913,953

Rp

1,587,073

Rp

3,326,880

Rp

187,121,854

15

Rp

4,913,953

Rp

1,559,349

Rp

3,354,604

Rp

183,767,250

16
17
18
19
20
21
22
23
24

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

4,913,953
4,913,953
4,913,953
4,913,953
4,913,953
4,913,953
4,913,953
4,913,953
4,913,953

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

1,531,394
1,503,206
1,474,783
1,446,123
1,417,225
1,388,085
1,358,703
1,329,076
1,299,202

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

3,382,559
3,410,747
3,439,170
3,467,830
3,496,728
3,525,868
3,555,250
3,584,877
3,614,751

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

180,384,691
176,973,944
173,534,774
170,066,944
166,570,216
163,044,348
159,489,098
155,904,221
152,289,470

TYPE : STUDIO

Periode

TABEL AMORTISASI UTANG

Besar Angsuran

25

Rp

26

Bunga

Amortisasi Hutang

Saldo Hutang

5,058,190

Rp

1,522,895

Rp

3,535,295

Rp

148,754,175

Rp

5,058,190

Rp

1,487,542

Rp

3,570,648

Rp

145,183,527

27

Rp

5,058,190

Rp

1,451,835

Rp

3,606,354

Rp

141,577,173

28
29
30
31
32
33
34
35
36

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

5,058,190
5,058,190
5,058,190
5,058,190
5,058,190
5,058,190
5,058,190
5,058,190
5,058,190

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

1,415,772
1,379,348
1,342,559
1,305,403
1,267,875
1,229,972
1,191,690
1,153,025
1,113,973

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

3,642,418
3,678,842
3,715,631
3,752,787
3,790,315
3,828,218
3,866,500
3,905,165
3,944,217

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

137,934,755
134,255,913
130,540,282
126,787,496
122,997,181
119,168,963
115,302,463
111,397,298
107,453,081

37

Rp

5,083,316

Rp

1,074,531

Rp

4,008,785

Rp

103,444,296

38

Rp

5,083,316

Rp

1,034,443

Rp

4,048,873

Rp

99,395,423

39

Rp

5,083,316

Rp

993,954

Rp

4,089,362

Rp

95,306,061

40
41
42
43
44
45

Rp
Rp
Rp
Rp
Rp
Rp

5,083,316
5,083,316
5,083,316
5,083,316
5,083,316
5,083,316

Rp
Rp
Rp
Rp
Rp
Rp

953,061
911,758
870,042
827,910
785,356
742,376

Rp
Rp
Rp
Rp
Rp
Rp

4,130,255
4,171,558
4,213,274
4,255,406
4,297,960
4,340,940

Rp
Rp
Rp
Rp
Rp
Rp

91,175,806
87,004,248
82,790,974
78,535,568
74,237,608
69,896,668

PV
J12
i
n

PV
J12
i
n

TYPE : STUDIO

Rp
Rp
Rp

Rp

290,330,695
58,066,139
232,264,556
9.00%
0.0075
60

TABEL AMORTISASI UTANG

Periode
46

Besar Angsuran
Rp5,083,316.04

Bunga
Rp
728,090

Amortisasi Hutang
Rp
4,355,226

47

Rp5,083,316.04

Rp

682,723

Rp

4,400,593

48

Rp5,083,316.04

Rp

636,884

Rp

4,446,432

49

Rp

5,063,791

Rp

614,190

Rp

4,449,601

50

Rp

5,063,791

Rp

565,986

Rp

4,497,805

51
52
53
54
55
56
57
58

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

5,063,791
5,063,791
5,063,791
5,063,791
5,063,791
5,063,791
5,063,791
5,063,791

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

517,259
468,005
418,218
367,890
317,018
265,595
213,614
161,071

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

4,546,532
4,595,786
4,645,573
4,695,900
4,746,773
4,798,196
4,850,176
4,902,720

10.00%

59

Rp

5,063,791

Rp

107,958

Rp

4,955,833

0.0083333333

60

Rp

5,063,791

Rp

54,270

Rp

5,009,521

Rp
Rp
Rp
Rp
Rp

19,340,725
36,849,510
52,711,397
62,952,525
67,023,599

193,748,119

48

TOTAL BUNGA AKHIR TAHUN 1

TOTAL BUNGA AKHIR TAHUN 2
TOTAL BUNGA AKHIR TAHUN 3
TOTAL BUNGA AKHIR TAHUN 4
TOTAL BUNGA SELAMA 5 TAHUN

TOTAL PEMBAYARAN SELAMA 5 TAHUN DENGAN BUNGA FIXED 9%

Angsuran (60 periods)
Rp 4,821,430 Rp
289,285,810
PV
Rp
232,264,556
TOTAL BUNGA SELAMA 5 TAHUN
Rp
57,021,254

TERDAPAT SELISIH

Rp

10,002,345

TYPE : STUDIO

Rp

Rp

152,289,470
12.00%
0.01
36

107,453,081
12.50%
0.0104166667
24

TABEL AMORTISASI UTANG

TYPE : STUDIO

TABEL AMORTISASI UTANG

Rp

Saldo Hutang
65,541,442

Rp

61,140,849

Rp

56,694,417

Rp

52,244,816

Rp

47,747,010

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

43,200,479
38,604,693
33,959,120
29,263,219
24,516,447
19,718,251
14,868,074
9,965,354

Rp

5,009,521

Rp

PV
J12
i
n

Rp

56,694,417
13.00%
0.0108333333
12

TYPE : STUDIO

TABEL AMORTISASI UTANG

TYPE : 1 BEDROOM

TABEL AMORTISASI UTANG

Bunga Efektif Fixed 1 tahun lalu meningkat setiap tahun mulai tahun kedua

Periode

Besar Angsuran

Bunga

Amortisasi Hutang

0
1

Rp

Saldo Hutang
Rp

323,588,197

Harga
Dp
PV
J12
i
n

6,717,159

Rp

2,426,911

Rp

4,290,247

Rp

319,297,950

Rp

6,717,159

Rp

2,394,735

Rp

4,322,424

Rp

314,975,525

Rp

6,717,159

Rp

2,362,316

Rp

4,354,842

Rp

310,620,683

Rp

6,717,159

Rp

2,329,655

Rp

4,387,504

Rp

306,233,180

5
6
7
8
9
10
11
12

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

6,717,159
6,717,159
6,717,159
6,717,159
6,717,159
6,717,159
6,717,159
6,717,159

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

2,296,749
2,263,596
2,230,194
2,196,542
2,162,637
2,128,478
2,094,063
2,059,390

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

4,420,410
4,453,563
4,486,965
4,520,617
4,554,522
4,588,680
4,623,096
4,657,769

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

301,812,770
297,359,207
292,872,242
288,351,625
283,797,104
279,208,423
274,585,327
269,927,559

PV

13

Rp

6,846,060

Rp

2,249,396

Rp

4,596,664

Rp

265,330,895

J12

14

Rp

6,846,060

Rp

2,211,091

Rp

4,634,969

Rp

260,695,925

15

Rp

6,846,060

Rp

2,172,466

Rp

4,673,594

Rp

256,022,331

16
17
18
19
20
21
22
23
24

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

6,846,060
6,846,060
6,846,060
6,846,060
6,846,060
6,846,060
6,846,060
6,846,060
6,846,060

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

2,133,519
2,094,248
2,054,650
2,014,721
1,974,460
1,933,864
1,892,929
1,851,653
1,810,032

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

4,712,541
4,751,812
4,791,410
4,831,339
4,871,600
4,912,197
4,953,132
4,994,408
5,036,028

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

251,309,790
246,557,978
241,766,568
236,935,229
232,063,629
227,151,433
222,198,301
217,203,893
212,167,865

TYPE : 1 BEDROOM

Periode

TABEL AMORTISASI UTANG

Besar Angsuran

25

Rp

26

Bunga

Amortisasi Hutang

Saldo Hutang

7,047,009

Rp

2,121,679

Rp

4,925,331

Rp

207,242,535

Rp

7,047,009

Rp

2,072,425

Rp

4,974,584

Rp

202,267,951

27

Rp

7,047,009

Rp

2,022,680

Rp

5,024,330

Rp

197,243,621

28
29
30
31
32
33
34
35
36

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

7,047,009
7,047,009
7,047,009
7,047,009
7,047,009
7,047,009
7,047,009
7,047,009
7,047,009

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

1,972,436
1,921,690
1,870,437
1,818,672
1,766,388
1,713,582
1,660,248
1,606,380
1,551,974

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

5,074,573
5,125,319
5,176,572
5,228,338
5,280,621
5,333,427
5,386,761
5,440,629
5,495,035

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

192,169,048
187,043,730
181,867,158
176,638,820
171,358,199
166,024,772
160,638,010
155,197,381
149,702,346

37

Rp

7,082,015

Rp

1,497,023

Rp

5,584,992

Rp

144,117,354

38

Rp

7,082,015

Rp

1,441,174

Rp

5,640,841

Rp

138,476,513

39

Rp

7,082,015

Rp

1,384,765

Rp

5,697,250

Rp

132,779,263

40
41
42
43
44
45

Rp
Rp
Rp
Rp
Rp
Rp

7,082,015
7,082,015
7,082,015
7,082,015
7,082,015
7,082,015

Rp
Rp
Rp
Rp
Rp
Rp

1,327,793
1,270,250
1,212,133
1,153,434
1,094,148
1,034,269

Rp
Rp
Rp
Rp
Rp
Rp

5,754,222
5,811,765
5,869,882
5,928,581
5,987,867
6,047,746

Rp
Rp
Rp
Rp
Rp
Rp

127,025,040
121,213,276
115,343,394
109,414,812
103,426,946
97,379,200

PV
J12
i
n

PV
J12
i
n

TYPE : 1 BEDROOM

Rp
Rp
Rp

Rp

404,485,246
80,897,049
323,588,197
9.00%
0.0075
60

TABEL AMORTISASI UTANG

Besar Angsuran
Rp
7,082,015

Bunga
Rp 1,014,367

Amortisasi Hutang
Rp
6,067,648

47

Rp

7,082,015

Rp

951,162

Rp

6,130,853

48

Rp

7,082,015

Rp

887,299

Rp

6,194,716

49

Rp 7,054,813

Rp

855,681

Rp

6,199,131

50

Rp

7,054,813

Rp

788,524

Rp

6,266,289

51
52
53
54
55
56
57
58

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

7,054,813
7,054,813
7,054,813
7,054,813
7,054,813
7,054,813
7,054,813
7,054,813

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

720,639
652,019
582,656
512,541
441,666
370,024
297,605
224,402

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

6,334,173
6,402,794
6,472,157
6,542,272
6,613,147
6,684,789
6,757,208
6,830,411

10.00%

59

Rp

7,054,813

Rp

150,406

Rp

6,904,407

0.0083333333

60

Rp

7,054,813

Rp

75,608

Rp

6,979,205

Rp
Rp
Rp
Rp
Rp

26,945,267
51,338,296
73,436,887
87,704,704
93,376,475

269,927,559

Periode
46

48

TOTAL BUNGA AKHIR TAHUN 1

TOTAL BUNGA AKHIR TAHUN 2
TOTAL BUNGA AKHIR TAHUN 3
TOTAL BUNGA AKHIR TAHUN 4
TOTAL BUNGA SELAMA 5 TAHUN

TOTAL PEMBAYARAN SELAMA 5 TAHUN DENGAN BUNGA FIXED 9%

Angsuran (60 periods)
Rp 6,717,159 Rp
403,029,524
PV
Rp
323,588,197
TOTAL BUNGA SELAMA 5 TAHUN
Rp
79,441,327

TERDAPAT SELISIH

Rp

13,935,148

TYPE : 1 BEDROOM

Rp

Rp

212,167,865
12.00%
0.01
36

149,702,346
12.50%
0.0104166667
24

TABEL AMORTISASI UTANG

TYPE : 1 BEDROOM

TABEL AMORTISASI UTANG

Rp

Saldo Hutang
91,311,552

Rp

85,180,699

Rp

78,985,983

Rp

72,786,851

Rp

66,520,563

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

60,186,389
53,783,596
47,311,439
40,769,166
34,156,020
27,471,230
20,714,023
13,883,612

Rp

6,979,205

Rp

PV
J12
i
n

Rp

78,985,983
13.00%
0.0108333333
12

TYPE : 1 BEDROOM

TABEL AMORTISASI UTANG

TYPE : 2 BEDROOM

TABEL AMORTISASI UTANG

Bunga Efektif Fixed 1 tahun lalu meningkat setiap tahun mulai tahun kedua

Periode

Besar Angsuran

Bunga

Amortisasi Hutang

Saldo Hutang
Rp

674,752,130

Harga
Dp
PV
J12
i
n

Rp

14,006,744

Rp

5,060,641

Rp

8,946,103

Rp

665,806,026

Rp

14,006,744

Rp

4,993,545

Rp

9,013,199

Rp

656,792,827

Rp

14,006,744

Rp

4,925,946

Rp

9,080,798

Rp

647,712,029

Rp

14,006,744

Rp

4,857,840

Rp

9,148,904

Rp

638,563,125

5
6
7
8
9
10
11
12

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

14,006,744
14,006,744
14,006,744
14,006,744
14,006,744
14,006,744
14,006,744
14,006,744

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

4,789,223
4,720,092
4,650,442
4,580,270
4,509,571
4,438,343
4,366,579
4,294,278

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

9,217,521
9,286,652
9,356,302
9,426,475
9,497,173
9,568,402
9,640,165
9,712,466

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

629,345,604
620,058,951
610,702,649
601,276,174
591,779,001
582,210,600
572,570,435
562,857,968

PV

13

Rp

14,275,532

Rp

4,690,483

Rp

9,585,049

Rp

553,272,919

J12

14

Rp

14,275,532

Rp

4,610,608

Rp

9,664,925

Rp

543,607,995

15

Rp

14,275,532

Rp

4,530,067

Rp

9,745,466

Rp

533,862,529

16
17
18
19
20
21
22
23
24

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

14,275,532
14,275,532
14,275,532
14,275,532
14,275,532
14,275,532
14,275,532
14,275,532
14,275,532

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

4,448,854
4,366,965
4,284,394
4,201,135
4,117,181
4,032,528
3,947,170
3,861,100
3,774,313

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

9,826,678
9,908,567
9,991,138
10,074,398
10,158,351
10,243,004
10,328,362
10,414,432
10,501,219

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

524,035,851
514,127,285
504,136,147
494,061,749
483,903,398
473,660,394
463,332,032
452,917,600
442,416,381

TYPE : 2 BEDROOM

Periode

TABEL AMORTISASI UTANG

Besar Angsuran

Bunga

Amortisasi Hutang

Saldo Hutang

25

Rp

14,694,555

Rp

4,424,164

Rp

10,270,391

Rp

432,145,990

26

Rp

14,694,555

Rp

4,321,460

Rp

10,373,095

Rp

421,772,895

27

Rp

14,694,555

Rp

4,217,729

Rp

10,476,826

Rp

411,296,070

28
29
30
31
32
33
34
35
36

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

14,694,555
14,694,555
14,694,555
14,694,555
14,694,555
14,694,555
14,694,555
14,694,555
14,694,555

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

4,112,961
4,007,145
3,900,271
3,792,328
3,683,306
3,573,193
3,461,979
3,349,654
3,236,205

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

10,581,594
10,687,410
10,794,284
10,902,227
11,011,249
11,121,362
11,232,575
11,344,901
11,458,350

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

400,714,475
390,027,065
379,232,781
368,330,554
357,319,305
346,197,944
334,965,368
323,620,467
312,162,117

37

Rp

14,767,549

Rp

3,121,621

Rp

11,645,928

Rp

300,516,189

38

Rp

14,767,549

Rp

3,005,162

Rp

11,762,388

Rp

288,753,801

39

Rp

14,767,549

Rp

2,887,538

Rp

11,880,011

Rp

276,873,790

40
41
42
43
44
45

Rp
Rp
Rp
Rp
Rp
Rp

14,767,549
14,767,549
14,767,549
14,767,549
14,767,549
14,767,549

Rp
Rp
Rp
Rp
Rp
Rp

2,768,738
2,648,750
2,527,562
2,405,162
2,281,538
2,156,678

Rp
Rp
Rp
Rp
Rp
Rp

11,998,812
12,118,800
12,239,988
12,362,388
12,486,011
12,610,872

Rp
Rp
Rp
Rp
Rp
Rp

264,874,978
252,756,178
240,516,191
228,153,803
215,667,792
203,056,920

PV
J12
i
n

PV
J12
i
n

TYPE : 2 BEDROOM

Rp
Rp
Rp

Rp

843,440,162
168,688,032
674,752,130
9.00%
0.0075
60

TABEL AMORTISASI UTANG

Besar Angsuran
Rp
14,767,549

Bunga
Rp 2,115,176

Amortisasi Hutang
Rp
12,652,373

47

Rp

14,767,549

Rp

1,983,381

Rp

12,784,169

48

Rp

14,767,549

Rp 1,850,212

Rp

12,917,337

49

Rp

14,710,827

Rp

1,784,283

Rp

12,926,544

50

Rp

14,710,827

Rp

1,644,245

Rp

13,066,582

51
52
53
54
55
56
57
58

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

14,710,827
14,710,827
14,710,827
14,710,827
14,710,827
14,710,827
14,710,827
14,710,827

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

1,502,691
1,359,603
1,214,964
1,068,759
920,970
771,580
620,571
467,927

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

13,208,136
13,351,224
13,495,863
13,642,068
13,789,857
13,939,247
14,090,255
14,242,900

10.00%

59

Rp

14,710,827

Rp

313,629

Rp

14,397,198

0.0083333333

60

Rp

14,710,827

Rp

157,659

Rp

14,553,168

Rp
Rp
Rp
Rp
Rp

56,186,772
107,051,571
153,131,963
182,883,481
194,710,363

BUNGA
Rp
Rp
Rp

FIXED 9%
840,404,664
674,752,130
165,652,534

562,857,968

Periode
46

48

TOTAL BUNGA AKHIR TAHUN 1

TOTAL BUNGA AKHIR TAHUN 2
TOTAL BUNGA AKHIR TAHUN 3
TOTAL BUNGA AKHIR TAHUN 4
TOTAL BUNGA SELAMA 5 TAHUN
TOTAL PEMBAYARAN SELAMA 5 TAHUN DENGAN
Angsuran (60 periods)
Rp 14,006,744
PV
TOTAL BUNGA SELAMA 5 TAHUN

TERDAPAT SELISIH

Rp

29,057,829

TYPE : 2 BEDROOM

Rp

Rp

442,416,381
12.00%
0.01
36

312,162,117
12.50%
0.0104166667
24

TABEL AMORTISASI UTANG

TYPE : 2 BEDROOM

TABEL AMORTISASI UTANG

Rp

Saldo Hutang
190,404,547

Rp

177,620,378

Rp

164,703,041

Rp

151,776,497

Rp

138,709,915

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

125,501,779
112,150,555
98,654,692
85,012,625
71,222,768
57,283,521
43,193,265
28,950,366

Rp

14,553,168

Rp

PV
J12
i
n

Rp

164,703,041
13.00%
0.0108333333
12

TYPE : 2 BEDROOM

TABEL AMORTISASI UTANG