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http://jnet99.wordpress.

com
Enjoy Saja Bro

Perhitungan Angsuran Kredit


Schedule Angsuran Flat Rate

Schedule Angsuran Effektif Rate Konversi Suku Bun

Schedule Angsuran Anuitas

Design by Jose Rizal email : josenetmail@gmail.com


.wordpress.com

uran Kredit

Konversi Suku Bunga


Schedule Angsuran - Flat Rate
Plafond Rp12,000,000
Jumlah Periode 12
Flat rate 12.00%
hutang bunga Rp1,440,000
Angs./ bulan Rp1,120,000
Tanggal Realisasi 01-12-2008
Jatuh Tempo 01-12-2009

Angs.
Pokok
Grand Total Rp12,000,000

Angs. Schedule Angs.


ke Pembayaran Pokok
1 2009-01-01 Rp1,000,000
2 2009-02-01 Rp1,000,000
3 2009-03-01 Rp1,000,000
4 2009-04-01 Rp1,000,000
5 2009-05-01 Rp1,000,000
6 2009-06-01 Rp1,000,000
7 2009-07-01 Rp1,000,000
8 2009-08-01 Rp1,000,000
9 2009-09-01 Rp1,000,000
10 2009-10-01 Rp1,000,000
11 2009-11-01 Rp1,000,000
12 2009-12-01 Rp1,000,000
http://jnet99.wordpress.com
email : josenetmail@gmail.com

ngsuran - Flat Rate


Pinjaman pokok
x Angsuran
Suku bunga flat/ tahun
Hutang bunga yang muncul
Yang harus diangsur per bulan
Tanggal Realisasi Kredit
Tanggal Jatuh Tempo Pelunasan

Angs. Total
Bunga Angsuran
Rp1,440,000 Rp13,440,000

Angs. Total Sisa


Bunga Angsuran Pinjaman pokok
Rp120,000 Rp1,120,000 Rp11,000,000
Rp120,000 Rp1,120,000 Rp10,000,000
Rp120,000 Rp1,120,000 Rp9,000,000
Rp120,000 Rp1,120,000 Rp8,000,000
Rp120,000 Rp1,120,000 Rp7,000,000
Rp120,000 Rp1,120,000 Rp6,000,000
Rp120,000 Rp1,120,000 Rp5,000,000
Rp120,000 Rp1,120,000 Rp4,000,000
Rp120,000 Rp1,120,000 Rp3,000,000
Rp120,000 Rp1,120,000 Rp2,000,000
Rp120,000 Rp1,120,000 Rp1,000,000
Rp120,000 Rp1,120,000 Rp-
http://jnet99.wordpress.com
email : josenetmail@gmail.com

Sisa
Pinjaman Bunga
Rp1,320,000
Rp1,200,000
Rp1,080,000
Rp960,000
Rp840,000
Rp720,000
Rp600,000
Rp480,000
Rp360,000
Rp240,000
Rp120,000
Rp-
Schedule Angsuran - effektif Rate
Plafond Rp12,000,000
Jumlah Periode 12
effektif rate 12.00%
Tanggal Realisasi 01-12-2008
Jatuh Tempo 01-12-2009

Angs.
Pokok
Grand Total Rp12,000,000

Angs. Schedule Angs.


ke Pembayaran Pokok
1 2009-01-01 Rp1,000,000
2 2009-02-01 Rp1,000,000
3 2009-03-01 Rp1,000,000
4 2009-04-01 Rp1,000,000
5 2009-05-01 Rp1,000,000
6 2009-06-01 Rp1,000,000
7 2009-07-01 Rp1,000,000
8 2009-08-01 Rp1,000,000
9 2009-09-01 Rp1,000,000
10 2009-10-01 Rp1,000,000
11 2009-11-01 Rp1,000,000
12 2009-12-01 Rp1,000,000
http://jnet99.wordpress.com

uran - effektif Rate


Pinjaman pokok
x Angsuran
Suku bunga flate/ tahun
Tanggal Realisasi Kredit
Tanggal Jatuh Tempo Pelunasan

Angs. Total
Bunga Angsuran
Rp780,000 Rp12,780,000

Angs. Total Sisa


Bunga Angsuran Pinjaman pokok
Rp120,000 Rp1,120,000 Rp11,000,000
Rp110,000 Rp1,110,000 Rp10,000,000
Rp100,000 Rp1,100,000 Rp9,000,000
Rp90,000 Rp1,090,000 Rp8,000,000
Rp80,000 Rp1,080,000 Rp7,000,000
Rp70,000 Rp1,070,000 Rp6,000,000
Rp60,000 Rp1,060,000 Rp5,000,000
Rp50,000 Rp1,050,000 Rp4,000,000
Rp40,000 Rp1,040,000 Rp3,000,000
Rp30,000 Rp1,030,000 Rp2,000,000
Rp20,000 Rp1,020,000 Rp1,000,000
Rp10,000 Rp1,010,000 Rp-
http://jnet99.wordpress.com
email : josenetmail@gmail.com
Schedule Angsuran - Anuitas
Plafond Rp12,000,000 Pinjam
Jumlah Periode 36 x
effektif rate 12.00% Suku bunga fla
Tanggal Realisasi 01-12-2008 Tanggal Realis
Jatuh Tempo 01-12-2011 Tanggal Jatuh Tempo

Angs. Angs.
Pokok Bunga
Grand Total Rp12,000,000 Rp2,348,582

Angs. Schedule Angs. Angs.


ke Pembayaran Pokok Bunga
0 2008-12-01
1 2009-01-01 Rp278,572 Rp120,000
2 2009-02-01 Rp281,357 Rp117,214
3 2009-03-01 Rp284,171 Rp114,401
4 2009-04-01 Rp287,013 Rp111,559
5 2009-05-01 Rp289,883 Rp108,689
6 2009-06-01 Rp292,782 Rp105,790
7 2009-07-01 Rp295,709 Rp102,862
8 2009-08-01 Rp298,667 Rp99,905
9 2009-09-01 Rp301,653 Rp96,918
10 2009-10-01 Rp304,670 Rp93,902
11 2009-11-01 Rp307,716 Rp90,855
12 2009-12-01 Rp310,794 Rp87,778
13 2010-01-01 Rp313,902 Rp84,670
14 2010-02-01 Rp317,041 Rp81,531
15 2010-03-01 Rp320,211 Rp78,361
16 2010-04-01 Rp323,413 Rp75,159
17 2010-05-01 Rp326,647 Rp71,924
18 2010-06-01 Rp329,914 Rp68,658
19 2010-07-01 Rp333,213 Rp65,359
20 2010-08-01 Rp336,545 Rp62,027
21 2010-09-01 Rp339,910 Rp58,661
22 2010-10-01 Rp343,310 Rp55,262
23 2010-11-01 Rp346,743 Rp51,829
24 2010-12-01 Rp350,210 Rp48,362
25 2011-01-01 Rp353,712 Rp44,860
26 2011-02-01 Rp357,249 Rp41,322
27 2011-03-01 Rp360,822 Rp37,750
28 2011-04-01 Rp364,430 Rp34,142
29 2011-05-01 Rp368,074 Rp30,497
30 2011-06-01 Rp371,755 Rp26,817
31 2011-07-01 Rp375,473 Rp23,099
32 2011-08-01 Rp379,227 Rp19,344
33 2011-09-01 Rp383,020 Rp15,552
34 2011-10-01 Rp386,850 Rp11,722
35 2011-11-01 Rp390,718 Rp7,853
36 2011-12-01 Rp394,625 Rp3,946
http://jnet99.wordpress.com
email : josenetmail@gmail.com

Anuitas
Pinjaman pokok
x Angsuran
Suku bunga flate/ tahun
Tanggal Realisasi Kredit
Tanggal Jatuh Tempo Pelunasan

Total
Angsuran
Rp14,348,582

Total Sisa
Angsuran Pinjaman pokok
Rp12,000,000
Rp398,572 Rp11,721,428
Rp398,572 Rp11,440,071
Rp398,572 Rp11,155,900
Rp398,572 Rp10,868,887
Rp398,572 Rp10,579,004
Rp398,572 Rp10,286,223
Rp398,572 Rp9,990,513
Rp398,572 Rp9,691,847
Rp398,572 Rp9,390,193
Rp398,572 Rp9,085,523
Rp398,572 Rp8,777,807
Rp398,572 Rp8,467,013
Rp398,572 Rp8,153,112
Rp398,572 Rp7,836,071
Rp398,572 Rp7,515,860
Rp398,572 Rp7,192,447
Rp398,572 Rp6,865,800
Rp398,572 Rp6,535,886
Rp398,572 Rp6,202,673
Rp398,572 Rp5,866,128
Rp398,572 Rp5,526,218
Rp398,572 Rp5,182,908
Rp398,572 Rp4,836,166
Rp398,572 Rp4,485,956
Rp398,572 Rp4,132,243
Rp398,572 Rp3,774,994
Rp398,572 Rp3,414,172
Rp398,572 Rp3,049,742
Rp398,572 Rp2,681,668
Rp398,572 Rp2,309,913
Rp398,572 Rp1,934,440
Rp398,572 Rp1,555,213
Rp398,572 Rp1,172,194
Rp398,572 Rp785,344
Rp398,572 Rp394,625
Rp398,572 Rp0
Konversi Suku Bunga Effektif
Plafond
Jumlah Periode
Effektif rate
Angsuran Perbulan
Flat rate

Konversi Suku Bunga Flat ke E


Plafond
Jumlah Periode
Flat rate
Angsuran Perbulan
Effektif rate

Design by Jose Rizal


http://jnet99.wordpress.com
email : josenetmail@gmail.com

i Suku Bunga Effektif ke Flat


Rp12,000,000
12
12.00%
Rp1,066,185.46
6.62%

i Suku Bunga Flat ke Effektif


Rp12,000,000
12
6.62%
Rp1,066,200.00
12.00%

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