Perhitungan Bunga Efektif

Pokok sama, Bunga beda, jadi total per bulannya bayar beda-beda

Utang 300,000,000 Bunga 1,750,000 ( 300jt x 7% x 30/360 )

Bulan 60 7%
Bayar / bulan 5,000,000

yang dibayar
per bulan
Bulan BUNGA POKOK TOTAL SISA UTANG
300,000,000
1 1,750,000 5,000,000 6,750,000 295,000,000
2 1,720,833 5,000,000 6,720,833 290,000,000
3 1,691,667 5,000,000 6,691,667 285,000,000
4 1,662,500 5,000,000 6,662,500 280,000,000
5 1,633,333 5,000,000 6,633,333 275,000,000
6 1,604,167 5,000,000 6,604,167 270,000,000
7 1,575,000 5,000,000 6,575,000 265,000,000
8 1,545,833 5,000,000 6,545,833 260,000,000
9 1,516,667 5,000,000 6,516,667 255,000,000
10 1,487,500 5,000,000 6,487,500 250,000,000
11 1,458,333 5,000,000 6,458,333 245,000,000
12 1,429,167 5,000,000 6,429,167 240,000,000
13 1,400,000 5,000,000 6,400,000 235,000,000
14 1,370,833 5,000,000 6,370,833 230,000,000
15 1,341,667 5,000,000 6,341,667 225,000,000
16 1,312,500 5,000,000 6,312,500 220,000,000
17 1,283,333 5,000,000 6,283,333 215,000,000
18 1,254,167 5,000,000 6,254,167 210,000,000
19 1,225,000 5,000,000 6,225,000 205,000,000
20 1,195,833 5,000,000 6,195,833 200,000,000
21 1,166,667 5,000,000 6,166,667 195,000,000
22 1,137,500 5,000,000 6,137,500 190,000,000
23 1,108,333 5,000,000 6,108,333 185,000,000
24 1,079,167 5,000,000 6,079,167 180,000,000
25 1,050,000 5,000,000 6,050,000 175,000,000
26 1,020,833 5,000,000 6,020,833 170,000,000
27 991,667 5,000,000 5,991,667 165,000,000
28 962,500 5,000,000 5,962,500 160,000,000
29 933,333 5,000,000 5,933,333 155,000,000
30 904,167 5,000,000 5,904,167 150,000,000
31 875,000 5,000,000 5,875,000 145,000,000
32 845,833 5,000,000 5,845,833 140,000,000
33 816,667 5,000,000 5,816,667 135,000,000
34 787,500 5,000,000 5,787,500 130,000,000
35 758,333 5,000,000 5,758,333 125,000,000
36 729,167 5,000,000 5,729,167 120,000,000
37 700,000 5,000,000 5,700,000 115,000,000
38 670,833 5,000,000 5,670,833 110,000,000
39 641,667 5,000,000 5,641,667 105,000,000
40 612,500 5,000,000 5,612,500 100,000,000
41 583,333 5,000,000 5,583,333 95,000,000
42 554,167 5,000,000 5,554,167 90,000,000
43 525,000 5,000,000 5,525,000 85,000,000
44 495,833 5,000,000 5,495,833 80,000,000
45 466,667 5,000,000 5,466,667 75,000,000
46 437,500 5,000,000 5,437,500 70,000,000
47 408,333 5,000,000 5,408,333 65,000,000
48 379,167 5,000,000 5,379,167 60,000,000
49 350,000 5,000,000 5,350,000 55,000,000
50 320,833 5,000,000 5,320,833 50,000,000
51 291,667 5,000,000 5,291,667 45,000,000
52 262,500 5,000,000 5,262,500 40,000,000
53 233,333 5,000,000 5,233,333 35,000,000
54 204,167 5,000,000 5,204,167 30,000,000
55 175,000 5,000,000 5,175,000 25,000,000
56 145,833 5,000,000 5,145,833 20,000,000
57 116,667 5,000,000 5,116,667 15,000,000
58 87,500 5,000,000 5,087,500 10,000,000
59 58,333 5,000,000 5,058,333 5,000,000
60 29,167 5,000,000 5,029,167 -

Total Bayar 353,375,000

Perhitungan Bunga Anuitas
Bayar per pulan sama, tapi total akhir lebih mahal

P= pokok pinjaman ###

I= suku bunga pertahun 7.00
t= lama kredit dalam bulan 60

Hasil hitung rumus 5,940,360

Bunga 1,750,000

yang dibayar
per bulan
Bulan BUNGA POKOK TOTAL SISA UTANG i/12
300,000,000 1+i/12
1 1,750,000 4,190,360 5,940,360 295,809,640 ^-t
2 1,725,556 4,214,803 5,940,360 291,594,837 (1+i/12)^-t
3 1,700,970 4,239,390 5,940,360 287,355,447 1-
4 1,676,240 4,264,119 5,940,360 283,091,328
5 1,651,366 4,288,993 5,940,360 278,802,334 bagi
6 1,626,347 4,314,013 5,940,360 274,488,322 kali
7 1,601,182 4,339,178 5,940,360 270,149,144
8 1,575,870 4,364,490 5,940,360 265,784,655
9 1,550,410 4,389,949 5,940,360 261,394,706
10 1,524,802 4,415,557 5,940,360 256,979,148
11 1,499,045 4,441,315 5,940,360 252,537,834
12 1,473,137 4,467,222 5,940,360 248,070,612
13 1,447,079 4,493,281 5,940,360 243,577,331
14 1,420,868 4,519,492 5,940,360 239,057,839
15 1,394,504 4,545,856 5,940,360 234,511,983
16 1,367,987 4,572,373 5,940,360 229,939,610
17 1,341,314 4,599,045 5,940,360 225,340,565
18 1,314,487 4,625,873 5,940,360 220,714,692
19 1,287,502 4,652,857 5,940,360 216,061,835
20 1,260,361 4,679,999 5,940,360 211,381,836
21 1,233,061 4,707,299 5,940,360 206,674,537
22 1,205,601 4,734,758 5,940,360 201,939,779
23 1,177,982 4,762,378 5,940,360 197,177,402
24 1,150,202 4,790,158 5,940,360 192,387,244
25 1,122,259 4,818,101 5,940,360 187,569,143
26 1,094,153 4,846,206 5,940,360 182,722,937
27 1,065,884 4,874,476 5,940,360 177,848,461
28 1,037,449 4,902,910 5,940,360 172,945,551
29 1,008,849 4,931,511 5,940,360 168,014,040
30 980,082 4,960,278 5,940,360 163,053,763
31 951,147 4,989,213 5,940,360 158,064,550
32 922,043 5,018,316 5,940,360 153,046,234
33 892,770 5,047,590 5,940,360 147,998,644
34 863,325 5,077,034 5,940,360 142,921,610
35 833,709 5,106,650 5,940,360 137,814,960
36 803,921 5,136,439 5,940,360 132,678,521
37 773,958 5,166,402 5,940,360 127,512,119
38 743,821 5,196,539 5,940,360 122,315,580
39 713,508 5,226,852 5,940,360 117,088,728
40 683,018 5,257,342 5,940,360 111,831,386
41 652,350 5,288,010 5,940,360 106,543,376
42 621,503 5,318,857 5,940,360 101,224,520
43 590,476 5,349,883 5,940,360 95,874,637
44 559,269 5,381,091 5,940,360 90,493,546
45 527,879 5,412,481 5,940,360 85,081,065
46 496,306 5,444,053 5,940,360 79,637,012
47 464,549 5,475,810 5,940,360 74,161,202
48 432,607 5,507,753 5,940,360 68,653,449
49 400,478 5,539,881 5,940,360 63,113,568
50 368,162 5,572,197 5,940,360 57,541,371
51 335,658 5,604,702 5,940,360 51,936,669
52 302,964 5,637,396 5,940,360 46,299,274
53 270,079 5,670,280 5,940,360 40,628,993
54 237,002 5,703,357 5,940,360 34,925,636
55 203,733 5,736,627 5,940,360 29,189,009
56 170,269 5,770,090 5,940,360 23,418,919
57 136,610 5,803,749 5,940,360 17,615,170
58 102,755 5,837,604 5,940,360 11,777,566
59 68,702 5,871,657 5,940,360 5,905,908
60 34,451 5,905,908 5,940,360 0

Total Bayar 356,421,574

rupiah
%
bulan

0
1
###
1
0

0
5,940,360
Perhitungan Bunga Anuitas yg harus disepakati
Bayar per pulan sama, tapi total akhir lebih mahal bisa diganti2
ga bs diganti2, ada rumusny

P= pokok pinjaman pinjaman ###

I= suku bunga pertahun bunga 6.00
t= lama kredit dalam bulanmaximal tenor 60
minimal cicilan 2,500,000
Hasil hitung rumus 5,799,840
Bunga 1,500,000

yang dibayar
per bulan
Bulan BUNGA POKOK TOTAL SISA UTANG i/12
300,000,000 1+i/12
1 1,500,000 1,000,000 2,500,000 299,000,000 ^-t
2 1,495,000 1,005,000 2,500,000 297,995,000 (1+i/12)^-t
3 1,489,975 1,010,025 2,500,000 296,984,975 1-
4 1,484,925 1,015,075 2,500,000 295,969,900
5 1,479,849 1,020,151 2,500,000 294,949,749 bagi
6 1,474,749 1,025,251 2,500,000 293,924,498 kali
7 1,469,622 1,030,378 2,500,000 292,894,121
8 1,464,471 1,035,529 2,500,000 291,858,591
9 1,459,293 1,040,707 2,500,000 290,817,884
10 1,454,089 8,545,911 10,000,000 282,271,974
11 1,411,360 1,088,640 2,500,000 281,183,333
12 1,405,917 1,094,083 2,500,000 280,089,250
13 1,400,446 1,099,554 2,500,000 278,989,696
14 1,394,948 1,105,052 2,500,000 277,884,645
15 1,389,423 1,110,577 2,500,000 276,774,068
16 1,383,870 1,116,130 2,500,000 275,657,938
17 1,378,290 1,121,710 2,500,000 274,536,228
18 1,372,681 1,127,319 2,500,000 273,408,909
19 1,367,045 1,132,955 2,500,000 272,275,954
20 1,361,380 1,138,620 2,500,000 271,137,334
21 1,355,687 1,144,313 2,500,000 269,993,020
22 1,349,965 1,150,035 2,500,000 268,842,985
23 1,344,215 1,155,785 2,500,000 267,687,200
24 1,338,436 18,661,564 20,000,000 249,025,636
25 1,245,128 1,754,872 3,000,000 247,270,764
26 1,236,354 1,763,646 3,000,000 245,507,118
27 1,227,536 1,772,464 3,000,000 243,734,654
28 1,218,673 1,781,327 3,000,000 241,953,327
29 1,209,767 1,790,233 3,000,000 240,163,094
30 1,200,815 1,799,185 3,000,000 238,363,909
31 1,191,820 1,808,180 3,000,000 236,555,729
32 1,182,779 1,817,221 3,000,000 234,738,507
33 1,173,693 1,826,307 3,000,000 232,912,200
34 1,164,561 1,835,439 3,000,000 231,076,761
35 1,155,384 1,844,616 3,000,000 229,232,145
36 1,146,161 1,853,839 3,000,000 227,378,305
37 1,136,892 1,863,108 3,000,000 225,515,197
38 1,127,576 1,872,424 3,000,000 223,642,773
39 1,118,214 1,881,786 3,000,000 221,760,987
40 1,108,805 1,891,195 3,000,000 219,869,792
41 1,099,349 1,900,651 3,000,000 217,969,141
42 1,089,846 1,910,154 3,000,000 216,058,986
43 1,080,295 1,919,705 3,000,000 214,139,281
44 1,070,696 1,929,304 3,000,000 212,209,978
45 1,061,050 1,938,950 3,000,000 210,271,028
46 1,051,355 1,948,645 3,000,000 208,322,383
47 1,041,612 1,958,388 3,000,000 206,363,995
48 1,031,820 1,968,180 3,000,000 204,395,815
49 1,021,979 1,978,021 3,000,000 202,417,794
50 1,012,089 1,987,911 3,000,000 200,429,883
51 1,002,149 1,997,851 3,000,000 198,432,032
52 992,160 2,007,840 3,000,000 196,424,192
53 982,121 2,017,879 3,000,000 194,406,313
54 972,032 2,027,968 3,000,000 192,378,345
55 961,892 2,038,108 3,000,000 190,340,237
56 951,701 2,048,299 3,000,000 188,291,938
57 941,460 2,058,540 3,000,000 186,233,397
58 931,167 2,068,833 3,000,000 184,164,564
59 920,823 2,079,177 3,000,000 182,085,387
60 910,427 2,089,573 3,000,000 179,995,814 ===> pelunasan di-KPR-in

Total Bayar 193,000,000

harus disepakati

bs diganti2, ada rumusnya

rupiah
%
bulan
per bulan

0
1
###
1
0

0
5,799,840