9/26/2017

Kalkulator Kredit - Simulasi Perhitungan bunga kredit Flat, Efektif dan Anuitas

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Rabu, 27 September 2017

Al Quran Online
Kalkulator Zakat
Buah Karya

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KurnpuEan Link
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Toko Online Forum Diskusi Kalkulator Kredit

Pencarian di dalam Al Quran t

CARI

KALKULATOR KREDIT

Bagi anda yang akan mengajukan pinjaman/kredit ke Bank, silahkan gunakan kalkulator ini untuk
mengetahui besarnya bunga dan simulasi daftar angsuran, gak ada salahnya kalo kita itung2an dulu
biar nggak nyesel di kemudian hari. Untuk perhitungan kredit secara syariah masih nunggu rumusnya
nih dari orang Syariah. Semoga bermanfaat:)

Jumlah Pinjaman
Bunga Per Tahun
Jangka Waktu
Perhitungan Bunga

Rp. p20000000

120

bulan
ANUITAS T

HITUNG

2J HIKMAH
"Setiap amal itu ada masa
semangatnya, dan pada setiap masa
semangat itu ada masa futur
(bosan). Barangsiapa yang ketika
futur tetap berpegang kepada
sunnahku, maka sesungguhnya ia
telah memperoleh petunjuk dan
barangsiapa yang ketika futur
berpegang kepada selain sunnahku,
maka sesungguhnya ia telah
tersesat." (HR al-Bazaar)

HOT LINK

Photo Kebesaran Alloh SWT

Mesjid Penuh Mukjizat
Bila Aku Jatuh Cinta
Dikaia Ragu Akan dirinya
Proposal Nikah
Doa Harian Ramadhan

JADWAL SHOLAT HARI INI

Shubuh 04:28
Terbit 05:37

Dhuhur 11:41
Ashr 14:50
Maghrib 17:45
Isya' 18:54
Untuk Kota Bandung dan sekitarnya
selenakaunva...

Jumlah Pinjaman
Suku Bunga
Jangka Waktu

220,000,000 ( dua ratus dua puluh juta)

8%

120 bulan

A SEKILASINFO
http://forum.dudung.net

24 Juni 2010-01:06

Assalamu'alaikum Wr. Wb. Alquran

Online sudah bisa dibaca kembali.
Semoga Bermanfaat :)

18 Juni 2010 -14:55

Mohon maaf untuk Al Quran Online

belum bisa diakses karena sedang
dalam perbaikan. Terima kasih :)

dudung_at@yahoo.com

http://www.dudung.net/perhitungan-bunga-kredit-flat-efektif-dan-anuitas.html

1/3

Kalkulator Kredit - Simulasi Perhitungan bunga kredit Flat, Efektif dan Anuitas

9/26/2017
http://www.dudung.net/perhitungan-bunga-kredit-flat-efektif-dan-anuitas.html

2/3

9/26/2017

Kalkulator Kredit - Simulasi Perhitungan bunga kredit Flat, Efektif dan Anuitas
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Copyright 2001 - 2017, Dudung Abdussomad Toha

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3/3
Tahun Bulan ke Bulan Tgl. Angsuran Angsuran Pokok Bunga Saldo Akhir

1 1 Oktober 2011 2,669,207 1,202,540 1,466,667 218,797,460 0 218,797,460

2 2 November 2011 2,669,207 1,210,557 1,458,650 217,586,903 0 1,210,557
3 3 Desember 2011 2,669,207 1,218,628 1,450,579 216,368,275 0 2,429,185
4 4 Januari 2012 2,669,207 1,226,752 1,442,455 215,141,523 0 3,655,937
5 5 Februari 2012 2,669,207 1,234,930 1,434,277 213,906,593 0 4,890,867

1 6
7
6
7
Maret 2012
April 2012
2,669,207
2,669,207
1,243,163
1,251,451
1,426,044
1,417,756
212,663,430
211,411,979
0
0
6,134,030
7,385,481
8 8 Mei 2012 2,669,207 1,259,794 1,409,413 210,152,185 0 8,645,275
9 9 Juni 2012 2,669,207 1,268,192 1,401,015 208,883,993 0 9,913,467
10 10 Juli 2012 2,669,207 1,276,647 1,392,560 207,607,346 0 11,190,114
11 11 Agustus 2012 2,669,207 1,285,158 1,384,049 206,322,188 0 12,475,272
12 12 September 2012 2,669,207 1,293,726 1,375,481 205,028,462 0 13,768,998
1 13 Oktober 2012 2,669,207 1,302,351 1,366,856 203,726,111 0 15,071,349
2 14 November 2012 2,669,207 1,311,033 1,358,174 202,415,078 0 16,382,382
3 15 Desember 2012 2,669,207 1,319,773 1,349,434 201,095,305 0 17,702,155
4 16 Januari 2013 2,669,207 1,328,572 1,340,635 199,766,733 0 19,030,727
5 17 Februari 2013 2,669,207 1,337,429 1,331,778 198,429,304 0 20,368,156

2 6
7
18
19
Maret 2013
April 2013
2,669,207
2,669,207
1,346,345
1,355,321
1,322,862
1,313,886
197,082,959
195,727,638
0
0
21,714,501
23,069,822
8 20 Mei 2013 2,669,207 1,364,356 1,304,851 194,363,282 0 24,434,178
9 21 Juni 2013 2,669,207 1,373,452 1,295,755 192,989,830 0 25,807,630
10 22 Juli 2013 2,669,207 1,382,608 1,286,599 191,607,222 0 27,190,238
11 23 Agustus 2013 2,669,207 1,391,826 1,277,381 190,215,396 0 28,582,064
12 24 September 2013 2,669,207 1,401,104 1,268,103 188,814,292 0 29,983,168
1 25 Oktober 2013 2,669,207 1,410,445 1,258,762 187,403,847 0 31,393,613
2 26 November 2013 2,669,207 1,419,848 1,249,359 185,983,999 0 32,813,461
3 27 Desember 2013 2,669,207 1,429,314 1,239,893 184,554,685 0 34,242,775
4 28 Januari 2014 2,669,207 1,438,842 1,230,365 183,115,843 0 35,681,617
5 29 Februari 2014 2,669,207 1,448,435 1,220,772 181,667,408 0 37,130,052

3 6
7
30
31
Maret 2014
April 2014
2,669,207
2,669,207
1,458,091
1,467,812
1,211,116
1,201,395
180,209,317
178,741,505
0
0
38,588,143
40,055,955
8 32 Mei 2014 2,669,207 1,477,597 1,191,610 177,263,908 0 41,533,552
9 33 Juni 2014 2,669,207 1,487,448 1,181,759 175,776,460 0 43,021,000
10 34 Juli 2014 2,669,207 1,497,364 1,171,843 174,279,096 0 44,518,364
11 35 Agustus 2014 2,669,207 1,507,346 1,161,861 172,771,750 0 46,025,710
12 36 September 2014 2,669,207 1,517,395 1,151,812 171,254,355 0 47,543,105
1 37 Oktober 2014 2,669,207 1,527,511 1,141,696 169,726,844 0 49,070,616
2 38 November 2014 2,669,207 1,537,695 1,131,512 168,189,149 0 50,608,311
3 39 Desember 2014 2,669,207 1,547,946 1,121,261 166,641,203 0 52,156,257
4 40 Januari 2015 2,669,207 1,558,266 1,110,941 165,082,937 0 53,714,523
5 41 Februari 2015 2,669,207 1,568,654 1,100,553 163,514,283 0 55,283,177

4 6
7
42
43
Maret 2015
April 2015
2,669,207
2,669,207
1,579,112
1,589,639
1,090,095
1,079,568
161,935,171
160,345,532
0
0
56,862,289
58,451,928
8 44 Mei 2015 2,669,207 1,600,237 1,068,970 158,745,295 0 60,052,165
9 45 Juni 2015 2,669,207 1,610,905 1,058,302 157,134,390 0 61,663,070
10 46 Juli 2015 2,669,207 1,621,644 1,047,563 155,512,746 0 63,284,714
11 47 Agustus 2015 2,669,207 1,632,455 1,036,752 153,880,291 0 64,917,169
12 48 September 2015 2,669,207 1,643,338 1,025,869 152,236,953 0 66,560,507
1 49 Oktober 2015 2,669,207 1,654,294 1,014,913 150,582,659 0 68,214,801
2 50 November 2015 2,669,207 1,665,323 1,003,884 148,917,336 0 69,880,124
3 51 Desember 2015 2,669,207 1,676,425 992,782 147,240,911 0 71,556,549
4 52 Januari 2016 2,669,207 1,687,601 981,606 145,553,310 0 73,244,150
5 53 Februari 2016 2,669,207 1,698,852 970,355 143,854,458 0 74,943,002

5 6
7
54
55
Maret 2016
April 2016
2,669,207
2,669,207
1,710,177
1,721,578
959,030
947,629
142,144,281
140,422,703
0
0
76,653,179
78,374,757
8 56 Mei 2016 2,669,207 1,733,056 936,151 138,689,647 0 80,107,813
9 57 Juni 2016 2,669,207 1,744,609 924,598 136,945,038 0 81,852,422
10 58 Juli 2016 2,669,207 1,756,240 912,967 135,188,798 0 83,608,662
11 59 Agustus 2016 2,669,207 1,767,948 901,259 133,420,850 0 85,376,610
12 60 September 2016 2,669,207 1,779,735 889,472 131,641,115 0 87,156,345
1 61 Oktober 2016 2,669,207 1,791,600 877,607 129,849,515 0 88,947,945
2 62 November 2016 2,669,207 1,803,544 865,663 128,045,971 0 90,751,489
3 63 Desember 2016 2,669,207 1,815,567 853,640 126,230,404 0 92,567,056
Tahun Bulan ke Bulan Tgl. Angsuran Angsuran Pokok Bunga Saldo Akhir

4 64 Januari 2017 2,669,207 1,827,671 841,536 124,402,733 0 94,394,727

5 65 Februari 2017 2,669,207 1,839,855 829,352 122,562,878 0 96,234,582

6 6
7
66
67
Maret 2017
April 2017
2,669,207
2,669,207
1,852,121
1,864,469
817,086
804,738
120,710,757
118,846,288
0
0
98,086,703
99,951,172
8 68 Mei 2017 2,669,207 1,876,898 792,309 116,969,390 0 101,828,070
9 69 Juni 2017 2,669,207 1,889,411 779,796 115,079,979 0 103,717,481
10 70 Juli 2017 2,669,207 1,902,007 767,200 113,177,972 0 105,619,488
11 71 Agustus 2017 2,669,207 1,914,687 754,520 111,263,285 0 107,534,175
12 72 September 2017 2,669,207 1,927,452 741,755 109,335,833 0 109,461,627
1 73 Oktober 2017 2,669,207 1,940,301 728,906 107,395,532 0 111,401,928
2 74 November 2017 2,669,207 1,953,237 715,970 105,442,295 0 113,355,165
3 75 Desember 2017 2,669,207 1,966,258 702,949 103,476,037 0 115,321,423
4 76 Januari 2018 2,669,207 1,979,367 689,840 101,496,670 0 117,300,790
5 77 Februari 2018 2,669,207 1,992,563 676,644 99,504,107 0 119,293,353

7 6
7
78
79
Maret 2018
April 2018
2,669,207
2,669,207
2,005,846
2,019,219
663,361
649,988
97,498,261
95,479,042
0
0
121,299,199
123,318,418
8 80 Mei 2018 2,669,207 2,032,680 636,527 93,446,362 0 125,351,098
9 81 Juni 2018 2,669,207 2,046,231 622,976 91,400,131 0 127,397,329
10 82 Juli 2018 2,669,207 2,059,873 609,334 89,340,258 0 129,457,202
11 83 Agustus 2018 2,669,207 2,073,605 595,602 87,266,653 0 131,530,807
12 84 September 2018 2,669,207 2,087,429 581,778 85,179,224 0 133,618,236
1 85 Oktober 2018 2,669,207 2,101,346 567,861 83,077,878 0 135,719,582
2 86 November 2018 2,669,207 2,115,354 553,853 80,962,524 0 137,834,936
3 87 Desember 2018 2,669,207 2,129,457 539,750 78,833,067 0 139,964,393
4 88 Januari 2019 2,669,207 2,143,653 525,554 76,689,414 0 142,108,046
5 89 Februari 2019 2,669,207 2,157,944 511,263 74,531,470 0 144,265,990

8 6
7
90
91
Maret 2019
April 2019
2,669,207
2,669,207
2,172,331
2,186,813
496,876
482,394
72,359,139
70,172,326
0
0
146,438,321
148,625,134
8 92 Mei 2019 2,669,207 2,201,391 467,816 67,970,935 0 150,826,525
9 93 Juni 2019 2,669,207 2,216,067 453,140 65,754,868 0 153,042,592
10 94 Juli 2019 2,669,207 2,230,841 438,366 63,524,027 0 155,273,433
11 95 Agustus 2019 2,669,207 2,245,713 423,494 61,278,314 0 157,519,146
12 96 September 2019 2,669,207 2,260,685 408,522 59,017,629 0 159,779,831
1 97 Oktober 2019 2,669,207 2,275,756 393,451 56,741,873 0 162,055,587
2 98 Desember 2019 2,669,207 2,290,928 378,279 54,450,945 0 164,346,515
3 99 Januari 2020 2,669,207 2,306,201 363,006 52,144,744 0 166,652,716
4 100 Februari 2020 2,669,207 2,321,575 347,632 49,823,169 0 168,974,291
5 101 Maret 2020 2,669,207 2,337,053 332,154 47,486,116 0 171,311,344

9 6
7
102
103
April 2020
Mei 2020
2,669,207
2,669,207
2,352,633
2,368,317
316,574
300,890
45,133,483
42,765,166
0
0
173,663,977
176,032,294
8 104 Juni 2020 2,669,207 2,384,106 285,101 40,381,060 0 178,416,400
9 105 Juli 2020 2,669,207 2,400,000 269,207 37,981,060 0 180,816,400
10 106 Agustus 2020 2,669,207 2,416,000 253,207 35,565,060 0 183,232,400
11 107 September 2020 2,669,207 2,432,107 237,100 33,132,953 0 185,664,507
12 108 Oktober 2020 2,669,207 2,448,321 220,886 30,684,632 0 188,112,828
1 109 November 2020 2,669,207 2,464,643 204,564 28,219,989 0 190,577,471
2 110 Desember 2020 2,669,207 2,481,074 188,133 25,738,915 0 193,058,545
3 111 Januari 2021 2,669,207 2,497,614 171,593 23,241,301 0 195,556,159
4 112 Februari 2021 2,669,207 2,514,265 154,942 20,727,036 0 198,070,424
5 113 Maret 2021 2,669,207 2,531,027 138,180 18,196,009 0 200,601,451

10 6
7
114
115
April 2021
Mei 2021
2,669,207
2,669,207
2,547,900
2,564,886
121,307
104,321
15,648,109
13,083,223
0
0
203,149,351
205,714,237
8 116 Juni 2021 2,669,207 2,581,986 87,221 10,501,237 0 208,296,223
9 117 Juli 2021 2,669,207 2,599,199 70,008 7,902,038 0 210,895,422
10 118 Agustus 2021 2,669,207 2,616,527 52,680 5,285,511 0 213,511,949
11 119 September 2021 2,669,207 2,633,970 35,237 2,651,541 0 216,145,919
12 120 Oktober 2021 2,669,207 2,651,541 17,666 0 0 218,797,460
Jumlah 320,304,840 220,000,000 100,304,840
Tahun Bulan ke Bulan Tgl. Angsuran Angsuran Pokok Bunga Saldo Akhir

1 1 Oktober 2011 3,340,000 1,202,540 2,137,460 218,797,460 0 218,797,460

2 2 November 2011 3,340,000 1,202,540 2,137,460 217,586,903 0 1,210,557
3 3 Desember 2011 3,340,000 1,202,540 2,137,460 216,368,275 0 2,429,185
4 4 Januari 2012 3,340,000 1,202,540 2,137,460 215,141,523 0 3,655,937
5 5 Februari 2012 3,340,000 1,202,540 2,137,460 213,906,593 0 4,890,867

1 6
7
6
7
Maret 2012
April 2012
3,340,000
3,340,000
1,202,540
1,202,540
2,137,460
2,137,460
212,663,430
211,411,979
0
0
6,134,030
7,385,481
8 8 Mei 2012 3,340,000 1,202,540 2,137,460 210,152,185 0 8,645,275
9 9 Juni 2012 3,340,000 1,202,540 2,137,460 208,883,993 0 9,913,467
10 10 Juli 2012 3,340,000 1,202,540 2,137,460 207,607,346 0 11,190,114
11 11 Agustus 2012 3,340,000 1,202,540 2,137,460 206,322,188 0 12,475,272
12 12 September 2012 3,340,000 1,202,540 2,137,460 205,028,462 0 13,768,998
1 13 Oktober 2012 3,340,000 1,202,540 2,137,460 203,726,111 0 15,071,349
2 14 November 2012 3,340,000 1,202,540 2,137,460 202,415,078 0 16,382,382
3 15 Desember 2012 3,340,000 1,202,540 2,137,460 201,095,305 0 17,702,155
4 16 Januari 2013 3,340,000 1,202,540 2,137,460 199,766,733 0 19,030,727
5 17 Februari 2013 3,340,000 1,202,540 2,137,460 198,429,304 0 20,368,156

2 6
7
18
19
Maret 2013
April 2013
3,340,000
3,340,000
1,202,540
1,202,540
2,137,460
2,137,460
197,082,959
195,727,638
0
0
21,714,501
23,069,822
8 20 Mei 2013 3,340,000 1,202,540 2,137,460 194,363,282 0 24,434,178
9 21 Juni 2013 3,340,000 1,202,540 2,137,460 192,989,830 0 25,807,630
10 22 Juli 2013 3,340,000 1,202,540 2,137,460 191,607,222 0 27,190,238
11 23 Agustus 2013 3,340,000 1,202,540 2,137,460 190,215,396 0 28,582,064
12 24 September 2013 3,340,000 1,202,540 2,137,460 188,814,292 0 29,983,168
1 25 Oktober 2013 2,669,207 1,410,445 1,258,762 187,403,847 0 31,393,613
2 26 November 2013 2,669,207 1,419,848 1,249,359 185,983,999 0 32,813,461
3 27 Desember 2013 2,669,207 1,429,314 1,239,893 184,554,685 0 34,242,775
4 28 Januari 2014 2,669,207 1,438,842 1,230,365 183,115,843 0 35,681,617
5 29 Februari 2014 2,669,207 1,448,435 1,220,772 181,667,408 0 37,130,052

3 6
7
30
31
Maret 2014
April 2014
2,669,207
2,669,207
1,458,091
1,467,812
1,211,116
1,201,395
180,209,317
178,741,505
0
0
38,588,143
40,055,955
8 32 Mei 2014 2,669,207 1,477,597 1,191,610 177,263,908 0 41,533,552
9 33 Juni 2014 2,669,207 1,487,448 1,181,759 175,776,460 0 43,021,000
10 34 Juli 2014 2,669,207 1,497,364 1,171,843 174,279,096 0 44,518,364
11 35 Agustus 2014 2,669,207 1,507,346 1,161,861 172,771,750 0 46,025,710
12 36 September 2014 2,669,207 1,517,395 1,151,812 171,254,355 0 47,543,105
1 37 Oktober 2014 2,669,207 1,527,511 1,141,696 169,726,844 0 49,070,616
2 38 November 2014 2,669,207 1,537,695 1,131,512 168,189,149 0 50,608,311
3 39 Desember 2014 2,669,207 1,547,946 1,121,261 166,641,203 0 52,156,257
4 40 Januari 2015 2,669,207 1,558,266 1,110,941 165,082,937 0 53,714,523
5 41 Februari 2015 2,669,207 1,568,654 1,100,553 163,514,283 0 55,283,177

4 6
7
42
43
Maret 2015
April 2015
2,669,207
2,669,207
1,579,112
1,589,639
1,090,095
1,079,568
161,935,171
160,345,532
0
0
56,862,289
58,451,928
8 44 Mei 2015 2,669,207 1,600,237 1,068,970 158,745,295 0 60,052,165
9 45 Juni 2015 2,669,207 1,610,905 1,058,302 157,134,390 0 61,663,070
10 46 Juli 2015 2,669,207 1,621,644 1,047,563 155,512,746 0 63,284,714
11 47 Agustus 2015 2,669,207 1,632,455 1,036,752 153,880,291 0 64,917,169
12 48 September 2015 2,669,207 1,643,338 1,025,869 152,236,953 0 66,560,507
1 49 Oktober 2015 2,669,207 1,654,294 1,014,913 150,582,659 0 68,214,801
2 50 November 2015 2,669,207 1,665,323 1,003,884 148,917,336 0 69,880,124
3 51 Desember 2015 2,669,207 1,676,425 992,782 147,240,911 0 71,556,549
4 52 Januari 2016 2,669,207 1,687,601 981,606 145,553,310 0 73,244,150
5 53 Februari 2016 2,669,207 1,698,852 970,355 143,854,458 0 74,943,002

5 6
7
54
55
Maret 2016
April 2016
2,669,207
2,669,207
1,710,177
1,721,578
959,030
947,629
142,144,281
140,422,703
0
0
76,653,179
78,374,757
8 56 Mei 2016 2,669,207 1,733,056 936,151 138,689,647 0 80,107,813
9 57 Juni 2016 2,669,207 1,744,609 924,598 136,945,038 0 81,852,422
10 58 Juli 2016 2,669,207 1,756,240 912,967 135,188,798 0 83,608,662
11 59 Agustus 2016 2,669,207 1,767,948 901,259 133,420,850 0 85,376,610
12 60 September 2016 2,669,207 1,779,735 889,472 131,641,115 0 87,156,345
1 61 Oktober 2016 2,669,207 1,791,600 877,607 129,849,515 0 88,947,945
2 62 November 2016 2,669,207 1,803,544 865,663 128,045,971 0 90,751,489
3 63 Desember 2016 2,669,207 1,815,567 853,640 126,230,404 0 92,567,056
Tahun Bulan ke Bulan Tgl. Angsuran Angsuran Pokok Bunga Saldo Akhir

4 64 Januari 2017 2,669,207 1,827,671 841,536 124,402,733 0 94,394,727

5 65 Februari 2017 2,669,207 1,839,855 829,352 122,562,878 0 96,234,582

6 6
7
66
67
Maret 2017
April 2017
2,669,207
2,669,207
1,852,121
1,864,469
817,086
804,738
120,710,757
118,846,288
0
0
98,086,703
99,951,172
8 68 Mei 2017 2,669,207 1,876,898 792,309 116,969,390 0 101,828,070
9 69 Juni 2017 2,669,207 1,889,411 779,796 115,079,979 0 103,717,481
10 70 Juli 2017 2,669,207 1,902,007 767,200 113,177,972 0 105,619,488
11 71 Agustus 2017 2,669,207 1,914,687 754,520 111,263,285 0 107,534,175
12 72 September 2017 2,669,207 1,927,452 741,755 109,335,833 0 109,461,627
1 73 Oktober 2017 2,669,207 1,940,301 728,906 107,395,532 0 111,401,928
2 74 November 2017 2,669,207 1,953,237 715,970 105,442,295 0 113,355,165
3 75 Desember 2017 2,669,207 1,966,258 702,949 103,476,037 0 115,321,423
4 76 Januari 2018 2,669,207 1,979,367 689,840 101,496,670 0 117,300,790
5 77 Februari 2018 2,669,207 1,992,563 676,644 99,504,107 0 119,293,353

7 6
7
78
79
Maret 2018
April 2018
2,669,207
2,669,207
2,005,846
2,019,219
663,361
649,988
97,498,261
95,479,042
0
0
121,299,199
123,318,418
8 80 Mei 2018 2,669,207 2,032,680 636,527 93,446,362 0 125,351,098
9 81 Juni 2018 2,669,207 2,046,231 622,976 91,400,131 0 127,397,329
10 82 Juli 2018 2,669,207 2,059,873 609,334 89,340,258 0 129,457,202
11 83 Agustus 2018 2,669,207 2,073,605 595,602 87,266,653 0 131,530,807
12 84 September 2018 2,669,207 2,087,429 581,778 85,179,224 0 133,618,236
1 85 Oktober 2018 2,669,207 2,101,346 567,861 83,077,878 0 135,719,582
2 86 November 2018 2,669,207 2,115,354 553,853 80,962,524 0 137,834,936
3 87 Desember 2018 2,669,207 2,129,457 539,750 78,833,067 0 139,964,393
4 88 Januari 2019 2,669,207 2,143,653 525,554 76,689,414 0 142,108,046
5 89 Februari 2019 2,669,207 2,157,944 511,263 74,531,470 0 144,265,990

8 6
7
90
91
Maret 2019
April 2019
2,669,207
2,669,207
2,172,331
2,186,813
496,876
482,394
72,359,139
70,172,326
0
0
146,438,321
148,625,134
8 92 Mei 2019 2,669,207 2,201,391 467,816 67,970,935 0 150,826,525
9 93 Juni 2019 2,669,207 2,216,067 453,140 65,754,868 0 153,042,592
10 94 Juli 2019 2,669,207 2,230,841 438,366 63,524,027 0 155,273,433
11 95 Agustus 2019 2,669,207 2,245,713 423,494 61,278,314 0 157,519,146
12 96 September 2019 2,669,207 2,260,685 408,522 59,017,629 0 159,779,831
1 97 Oktober 2019 2,669,207 2,275,756 393,451 56,741,873 0 162,055,587
2 98 Desember 2019 2,669,207 2,290,928 378,279 54,450,945 0 164,346,515
3 99 Januari 2020 2,669,207 2,306,201 363,006 52,144,744 0 166,652,716
4 100 Februari 2020 2,669,207 2,321,575 347,632 49,823,169 0 168,974,291
5 101 Maret 2020 2,669,207 2,337,053 332,154 47,486,116 0 171,311,344

9 6
7
102
103
April 2020
Mei 2020
2,669,207
2,669,207
2,352,633
2,368,317
316,574
300,890
45,133,483
42,765,166
0
0
173,663,977
176,032,294
8 104 Juni 2020 2,669,207 2,384,106 285,101 40,381,060 0 178,416,400
9 105 Juli 2020 2,669,207 2,400,000 269,207 37,981,060 0 180,816,400
10 106 Agustus 2020 2,669,207 2,416,000 253,207 35,565,060 0 183,232,400
11 107 September 2020 2,669,207 2,432,107 237,100 33,132,953 0 185,664,507
12 108 Oktober 2020 2,669,207 2,448,321 220,886 30,684,632 0 188,112,828
1 109 November 2020 2,669,207 2,464,643 204,564 28,219,989 0 190,577,471
2 110 Desember 2020 2,669,207 2,481,074 188,133 25,738,915 0 193,058,545
3 111 Januari 2021 2,669,207 2,497,614 171,593 23,241,301 0 195,556,159
4 112 Februari 2021 2,669,207 2,514,265 154,942 20,727,036 0 198,070,424
5 113 Maret 2021 2,669,207 2,531,027 138,180 18,196,009 0 200,601,451

10 6
7
114
115
April 2021
Mei 2021
2,669,207
2,669,207
2,547,900
2,564,886
121,307
104,321
15,648,109
13,083,223
0
0
203,149,351
205,714,237
8 116 Juni 2021 2,669,207 2,581,986 87,221 10,501,237 0 208,296,223
9 117 Juli 2021 2,669,207 2,599,199 70,008 7,902,038 0 210,895,422
10 118 Agustus 2021 2,669,207 2,616,527 52,680 5,285,511 0 213,511,949
11 119 September 2021 2,669,207 2,633,970 35,237 2,651,541 0 216,145,919
12 120 Oktober 2021 2,669,207 2,651,541 17,666 0 0 218,797,460
Jumlah 336,403,872 217,675,252 118,728,620 0

220,000,000
140,000,000
360,000,000
 TABEL ANGSURAN KPR M

p.a.
effektif
fixed 1
Suku Bunga : 10.50% TAHUN
0.88%

JA
PLAFOND KPR Tahun 1 2 3 4 5
Bulan 12 24 36 48 60
50,000,000 4,407,430 2,318,802 1,625,122 1,280,169 1,074,695
75,000,000 6,611,145 3,478,203 2,437,683 1,920,253 1,612,043
100,000,000 8,814,860 4,637,604 3,250,244 2,560,338 2,149,390
125,000,000 11,018,575 5,797,005 4,062,805 3,200,422 2,686,738
150,000,000 13,222,290 6,956,406 4,875,367 3,840,507 3,224,085
175,000,000 15,426,006 8,115,807 5,687,928 4,480,591 3,761,433
200,000,000 17,629,721 9,275,208 6,500,489 5,120,676 4,298,780
225,000,000 19,833,436 10,434,609 7,313,050 5,760,760 4,836,128
250,000,000 22,037,151 11,594,010 8,125,611 6,400,845 5,373,475
275,000,000 24,240,866 12,753,411 8,938,172 7,040,929 5,910,823
300,000,000 26,444,581 13,912,812 9,750,733 7,681,014 6,448,170
325,000,000 28,648,296 15,072,214 10,563,294 8,321,098 6,985,518
350,000,000 30,852,011 16,231,615 11,375,855 8,961,183 7,522,865
375,000,000 33,055,726 17,391,016 12,188,416 9,601,267 8,060,213
400,000,000 35,259,441 18,550,417 13,000,977 10,241,352 8,597,560
425,000,000 37,463,156 19,709,818 13,813,538 10,881,436 9,134,908
450,000,000 39,666,871 20,869,219 14,626,100 11,521,521 9,672,255
475,000,000 41,870,586 22,028,620 15,438,661 12,161,605 10,209,603
500,000,000 44,074,301 23,188,021 16,251,222 12,801,690 10,746,950
525,000,000 46,278,017 24,347,422 17,063,783 13,441,774 11,284,298
550,000,000 48,481,732 25,506,823 17,876,344 14,081,859 11,821,645
575,000,000 50,685,447 26,666,224 18,688,905 14,721,943 12,358,993
600,000,000 52,889,162 27,825,625 19,501,466 15,362,028 12,896,340
625,000,000 55,092,877 28,985,026 20,314,027 16,002,112 13,433,688
650,000,000 57,296,592 30,144,427 21,126,588 16,642,197 13,971,035
675,000,000 59,500,307 31,303,828 21,939,149 17,282,281 14,508,383
700,000,000 61,704,022 32,463,229 22,751,710 17,922,366 15,045,730
725,000,000 63,907,737 33,622,630 23,564,272 18,562,450 15,583,078
750,000,000 66,111,452 34,782,031 24,376,833 19,202,535 16,120,425
775,000,000 68,315,167 35,941,432 25,189,394 19,842,619 16,657,773
800,000,000 70,518,882 37,100,833 26,001,955 20,482,704 17,195,120
850,000,000 74,926,312 39,419,635 27,627,077 21,762,873 18,269,815
900,000,000 79,333,743 41,738,437 29,252,199 23,043,042 19,344,510
950,000,000 83,741,173 44,057,240 30,877,321 24,323,211 20,419,205
1,000,000,000 88,148,603 46,376,042 32,502,444 25,603,380 21,493,900
1,100,000,000 96,963,463 51,013,646 35,752,688 28,163,718 23,643,290
 1,500,000,000 132,222,904 69,564,062 48,753,665 38,405,070 32,240,851
1,700,000,000 149,852,625 78,839,271 55,254,154 43,525,746 36,539,631
5,000,000,000 440,743,014 231,880,208 162,512,218 128,016,899 107,469,502

Cara membaca daftar

angsuran :

Tanya :
Berapa
angsuran
pinjaman
karyawan
untuk
kredit Rp.
200 juta
dengan
jangka
waktu 10
tahun ?

Jawab :
Pertemuk
an kolom
kredit Rp.
200 juta
dengan
jangka
waktu 10
tahun
(120
bulan),
maka
angsuran
per bulan
adalah
Rp.

KOEFISIEN ANGSU

1 2 3 4 5

NILAI KOEFISIEN 0.088148603 0.046376042 0.0325024435 0.02560338 0.0214939

 Contoh perhitungan
dengan angka koefisien
:

Tanya :
Pinjaman
Karyawan
Rp. 200
Juta,
Jangka
waktu 5
tahun.
Berapa
angsuran
nya per
bulan ?
Jawab :
Angsuran
/bulan
adalah
Rp. 200,000,000 dikalikan dgn. 0.0214939

Persyarata
n
Documen
Karyawan/
pegawai:

1.Fotocopy
KTP Suami
istri, Surat
Nikah dan
Kartu
keluarga
2.Asli SK
kerja

3.Asli Slip
gaji terakhir
4.Print 3
Bulan
rekening
penampung
an gaji yang
tercermin/
Rekening
Koran

5.Fotocopy
NPWP
pribadi

7.Fotocopy
Sertifikat,
IMB,
PBB+STTS

8.Form
Aplikasi
yang di
tandatangan
i di atas
materai
( dari bank )

9.Bukti
setoran
Biaya
Apraisal
( Untuk
pengajuan :
50 jt - 250 jt
= Rp
250.000,
251jt - 500 jt
= Rp
300.000, di
atas 500jt =
Rp 500.000,)
10.Surat
Penawaran
rumah dari
penjual pada
pembeli

1.jika join
income
point 2,3,4
berlaku
untuk
Note: pasangan

2.Maksimum
angsuran+
angsuran
pinjaman
lain=40%
dari
penghasilan
(join
income)

3 Maksimum
pengajuan
70% dari
harga pasar
rumah
NGSURAN KPR MANDIRI SECONDARY

JANGKA WAKTU KPR

6 7 8 9 10 11 12 13
72 84 96 108 120 132 144 156
938,948 843,034 772,001 717,543 f 640,223 612,070 588,751
1,408,423 1,264,550 1,158,001 1,076,315 1,012,012 960,334 918,106 883,126
1,877,897 1,686,067 1,544,002 1,435,086 1,349,350 1,280,446 1,224,141 1,177,502
2,347,371 2,107,584 1,930,002 1,793,858 1,686,687 1,600,557 1,530,176 1,471,877
2,816,845 2,529,101 2,316,002 2,152,629 2,024,025 1,920,669 1,836,211 1,766,253
3,286,320 2,950,618 2,702,003 2,511,401 2,361,362 2,240,780 2,142,246 2,060,628
3,755,794 3,372,135 3,088,003 2,870,172 2,698,700 2,560,892 2,448,281 2,355,004
4,225,268 3,793,651 3,474,004 3,228,944 3,036,037 2,881,003 2,754,317 2,649,379
4,694,742 4,215,168 3,860,004 3,587,715 3,373,375 3,201,115 3,060,352 2,943,755
5,164,217 4,636,685 4,246,004 3,946,487 3,710,712 3,521,226 3,366,387 3,238,130
5,633,691 5,058,202 4,632,005 4,305,258 4,048,050 3,841,338 3,672,422 3,532,506
6,103,165 5,479,719 5,018,005 4,664,030 4,385,387 4,161,449 3,978,457 3,826,881
6,572,639 5,901,236 5,404,006 5,022,801 4,722,725 4,481,561 4,284,492 4,121,257
7,042,114 6,322,752 5,790,006 5,381,573 5,060,062 4,801,672 4,590,528 4,415,632
7,511,588 6,744,269 6,176,006 5,740,344 5,397,400 5,121,784 4,896,563 4,710,008
7,981,062 7,165,786 6,562,007 6,099,116 5,734,737 5,441,895 5,202,598 5,004,383
8,450,536 7,587,303 6,948,007 6,457,888 6,072,075 5,762,007 5,508,633 5,298,759
8,920,011 8,008,820 7,334,008 6,816,659 6,409,412 6,082,118 5,814,668 5,593,134
9,389,485 8,430,337 7,720,008 7,175,431 6,746,750 6,402,230 6,120,703 5,887,510
9,858,959 8,851,853 8,106,009 7,534,202 7,084,087 6,722,341 6,426,739 6,181,885
10,328,433 9,273,370 8,492,009 7,892,974 7,421,425 7,042,453 6,732,774 6,476,261
10,797,908 9,694,887 8,878,009 8,251,745 7,758,762 7,362,564 7,038,809 6,770,636
11,267,382 10,116,404 9,264,010 8,610,517 8,096,100 7,682,676 7,344,844 7,065,012
11,736,856 10,537,921 9,650,010 8,969,288 8,433,437 8,002,787 7,650,879 7,359,387
12,206,330 10,959,438 10,036,011 9,328,060 8,770,775 8,322,899 7,956,914 7,653,763
12,675,805 11,380,954 10,422,011 9,686,831 9,108,112 8,643,010 8,262,950 7,948,138
13,145,279 11,802,471 10,808,011 10,045,603 9,445,450 8,963,121 8,568,985 8,242,514
13,614,753 12,223,988 11,194,012 10,404,374 9,782,787 9,283,233 8,875,020 8,536,889
14,084,227 12,645,505 11,580,012 10,763,146 10,120,125 9,603,344 9,181,055 8,831,265
14,553,702 13,067,022 11,966,013 11,121,917 10,457,462 9,923,456 9,487,090 9,125,640
15,023,176 13,488,539 12,352,013 11,480,689 10,794,800 10,243,567 9,793,125 9,420,016
15,962,124 14,331,572 13,124,014 12,198,232 11,469,475 10,883,790 10,405,196 10,008,767
16,901,073 15,174,606 13,896,015 12,915,775 12,144,150 11,524,013 11,017,266 10,597,518
17,840,021 16,017,639 14,668,015 13,633,318 12,818,825 12,164,236 11,629,337 11,186,269
18,778,970 16,860,673 15,440,016 14,350,861 13,493,500 12,804,459 12,241,407 11,775,020
20,656,867 18,546,740 16,984,018 15,785,947 14,842,850 14,084,905 13,465,548 12,952,522
 28,168,455 25,291,010 23,160,024 21,526,292 20,240,250 19,206,689 18,362,110 17,662,529
31,924,249 28,663,144 26,248,028 24,396,464 22,938,949 21,767,581 20,810,392 20,017,533
93,894,850 84,303,366 77,200,081 71,754,306 67,467,498 64,022,296 61,207,034 58,875,098

2,698,700 ,-

FISIEN ANGSURAN PINJAMAN

JANGKA WAKTU (TAHUN)
6 7 8 9 10 11 12 13

0.01877897 0.016860673 0.015440016 0.014350861 #VALUE! 0.012804459 0.012241407 0.01177502

(koefisien
utk 5 tahun)
= Rp. 4,298,780
 14 15
168 180
569,217 552,699
853,826 829,049
1,138,434 1,105,399
1,423,043 1,381,749
1,707,651 1,658,098
1,992,260 1,934,448
2,276,868 2,210,798
2,561,477 2,487,148
2,846,085 2,763,497
3,130,694 3,039,847
3,415,302 3,316,197
3,699,911 3,592,547
3,984,519 3,868,896
4,269,128 4,145,246
4,553,736 4,421,596
4,838,345 4,697,945
5,122,953 4,974,295
5,407,562 5,250,645
5,692,170 5,526,995
5,976,779 5,803,344
6,261,387 6,079,694
6,545,996 6,356,044
6,830,604 6,632,394
7,115,213 6,908,743
7,399,821 7,185,093
7,684,430 7,461,443
7,969,038 7,737,792
8,253,647 8,014,142
8,538,255 8,290,492
8,822,864 8,566,842
9,107,472 8,843,191
9,676,689 9,395,891
10,245,906 9,948,590
10,815,123 10,501,290
11,384,340 11,053,989
12,522,774 12,159,388
17,076,510 16,580,984
19,353,378 18,791,782
56,921,701 55,269,946

14 15

0.01138434 0.011053989