KREDIT KENDARAAN

M
E DATA FINANSIAL PRIBADI
N SEBELUM KREDIT KENDARAAN JIKA KREDIT KENDARAAN
U
Penghasilan #NAME? Penghasilan KREDIT KENDARAAN
Penghasilan Pribadi 2,500,000 Penghasilan Pribadi 2,500,000 Harga tunai kendaraan
Penghasilan Istri/Suami 2,000,000 Penghasilan Istri/Suami 2,000,000 Uangmuka
Jumlah Penghasilan 4,500,000 Jumlah Penghasilan 4,500,000 Jumlah pinjaman
Bunga pinjaman per tahun
### Belanja Rutin 450,000 Belanja Rutin 450,000 Kemampuan membayar angsur
Angsuran Rumah 0 Angsuran Rumah 0 Waktu pelunasan pinjaman
### Telepon, Listrik, Air 100,000 Telepon, Listrik, Air 100,000
### Transportasi 300,000 Transportasi 300,000 Rekomendasi
### Perawatan kendaraan 30,000 Perawatan kendaraan Yang bersangkutan dapat meng
Angsuran Kendaraan 0 Angsuran Kendaraan 2,000,000 pelunasa

### Biaya Pendidikan Anak 300,000 Biaya Pendidikan Anak 300,000

Asuransi Pendidikan 250,000 Asuransi Pendidikan 250,000
Asuransi Jiwa 0 Asuransi Jiwa 0
Pembantu 0 Pembantu 0
Hobi 0 Hobi 0
Busana & Aksesori 0 Busana & Aksesori 0
Lain-lain 350,000 Lain-lain 350,000
Biaya Hidup 1,780,000 Biaya Hidup 3,750,000
Sisa 2,720,000 Sisa 750,000

Kesimpulan :
Kredit kendaraan layak dilakukan.
EDIT KENDARAAN SIMULASI PERHITUNGAN KREDIT KENDARAAN
ga tunai kendaraan 134,000,000 Harga OTR Rp 134,000,000 Rupiah
40% 53,600,000 Uang Muka standar : 40% Rp 53,600,000 Rupiah
80,400,000 Jangka waktu (bulan) 25% 59 Bulan
nga pinjaman per tahun 5% Suku Bunga Pertahun 5.0% Pertahun
mampuan membayar angsuran/bulan 2,000,000 Suku Bunga Flat (Perbulan) 0.42% Per Bulan
ktu pelunasan pinjaman 44.09 Bulan
3.67 Tahun Hasilnya
Sisa Cicilan Rp 80,400,000
ng bersangkutan dapat mengambil kredit dengan jangka waktu Cicilan Tiap Bulan Rp 1,697,712
pelunasan 4 tahun.
Pembayaran Petama (Mobil) Persen
Uang Muka Rp 53,600,000
Ansuran Pertama Rp 1,697,712
Asuransi All Risk Rp 6,700,000 5.0%
Administrasi polis Rp 40,000
Administrasi Rp 700,000
Rp 62,737,712
###
### Bunga Pinjaman per Tahun 10.00% klik salah satu
### Jangka Waktu Pinjam 48 bulan pilihan :
TETAP
Pokok Pinjaman 69,646,500 (FLAT)
EFEKT
Tanggal Pinjam 1-Jan-2016 IF
Tenggang Waktu Pembayaran 4 tahun MENURUN
(SLIDING)

1 3 Angsuran per Bulan 2,031,356

TABEL ANGSURAN PINJAMAN

CICILAN
BULAN POKOK ANGSURAN SALDO POKOK
### BULAN POKOK BUNGA
KE PINJAMAN PER BULAN PINJAMAN
PINJAMAN
### 1 Jan 2016 69,646,500 1,450,969 580,388 2,031,356 68,195,531
### 2 Feb 2016 68,195,531 1,450,969 580,388 2,031,356 66,744,563
### 3 Mar 2016 66,744,563 1,450,969 580,388 2,031,356 65,293,594
### 4 Apr 2016 65,293,594 1,450,969 580,388 2,031,356 63,842,625
### 5 May 2016 63,842,625 1,450,969 580,388 2,031,356 62,391,656
### 6 Jun 2016 62,391,656 1,450,969 580,388 2,031,356 60,940,688
### 7 Jul 2016 60,940,688 1,450,969 580,388 2,031,356 59,489,719
### 8 Aug 2016 59,489,719 1,450,969 580,388 2,031,356 58,038,750
### 9 Sep 2016 58,038,750 1,450,969 580,388 2,031,356 56,587,781
### 10 Oct 2016 56,587,781 1,450,969 580,388 2,031,356 55,136,813
### 11 Nov 2016 55,136,813 1,450,969 580,388 2,031,356 53,685,844
### 12 Dec 2016 53,685,844 1,450,969 580,388 2,031,356 52,234,875
### 13 Jan 2017 52,234,875 1,450,969 580,388 2,031,356 50,783,906
### 14 Feb 2017 50,783,906 1,450,969 580,388 2,031,356 49,332,938
### 15 Mar 2017 49,332,938 1,450,969 580,388 2,031,356 47,881,969
### 16 Apr 2017 47,881,969 1,450,969 580,388 2,031,356 46,431,000
### 17 May 2017 46,431,000 1,450,969 580,388 2,031,356 44,980,031
### 18 Jun 2017 44,980,031 1,450,969 580,388 2,031,356 43,529,063
### 19 Jul 2017 43,529,063 1,450,969 580,388 2,031,356 42,078,094
### 20 Aug 2017 42,078,094 1,450,969 580,388 2,031,356 40,627,125
### 21 Sep 2017 40,627,125 1,450,969 580,388 2,031,356 39,176,156
### 22 Oct 2017 39,176,156 1,450,969 580,388 2,031,356 37,725,188
### 23 Nov 2017 37,725,188 1,450,969 580,388 2,031,356 36,274,219
### 24 Dec 2017 36,274,219 1,450,969 580,388 2,031,356 34,823,250
### 25 Jan 2018 34,823,250 1,450,969 580,388 2,031,356 33,372,281
### 26 Feb 2018 33,372,281 1,450,969 580,388 2,031,356 31,921,313
### 27 Mar 2018 31,921,313 1,450,969 580,388 2,031,356 30,470,344
### 28 Apr 2018 30,470,344 1,450,969 580,388 2,031,356 29,019,375
### 29 May 2018 29,019,375 1,450,969 580,388 2,031,356 27,568,406
### 30 Jun 2018 27,568,406 1,450,969 580,388 2,031,356 26,117,438
### 31 Jul 2018 26,117,438 1,450,969 580,388 2,031,356 24,666,469
### 32 Aug 2018 24,666,469 1,450,969 580,388 2,031,356 23,215,500
### 33 Sep 2018 23,215,500 1,450,969 580,388 2,031,356 21,764,531
### 34 Oct 2018 21,764,531 1,450,969 580,388 2,031,356 20,313,563
### 35 Nov 2018 20,313,563 1,450,969 580,388 2,031,356 18,862,594
### 36 Dec 2018 18,862,594 1,450,969 580,388 2,031,356 17,411,625
### 37 Jan 2019 17,411,625 1,450,969 580,388 2,031,356 15,960,656
### 38 Feb 2019 15,960,656 1,450,969 580,388 2,031,356 14,509,688
### 39 Mar 2019 14,509,688 1,450,969 580,388 2,031,356 13,058,719
### 40 Apr 2019 13,058,719 1,450,969 580,388 2,031,356 11,607,750
### 41 May 2019 11,607,750 1,450,969 580,388 2,031,356 10,156,781
### 42 Jun 2019 10,156,781 1,450,969 580,388 2,031,356 8,705,813
### 43 Jul 2019 8,705,813 1,450,969 580,388 2,031,356 7,254,844
### 44 Aug 2019 7,254,844 1,450,969 580,388 2,031,356 5,803,875
### 45 Sep 2019 5,803,875 1,450,969 580,388 2,031,356 4,352,906
### 46 Oct 2019 4,352,906 1,450,969 580,388 2,031,356 2,901,938
### 47 Nov 2019 2,901,938 1,450,969 580,388 2,031,356 1,450,969
### 48 Dec 2019 1,450,969 1,450,969 580,388 2,031,356 0
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2
3
4
5
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Rincian Pembayaran
TOTAL PEMBAYARAN
CICILAN JUMLAH
BUNGA
POKOK PINJAMAN ANGSURAN
69,646,500 27,858,600 97,505,100

RINCIAN PEMBAYARAN
CICILAN JUMLAH
TAHUN BUNGA
POKOK PINJAMAN ANGSURAN
2016 17,411,625 6,964,650 24,376,275
2017 17,411,625 6,964,650 24,376,275
2018 17,411,625 6,964,650 24,376,275
2019 17,411,625 6,964,650 24,376,275
KREDIT KEPEMILIKAN RUMAH
Nama Perumahan VILA CITRA
Lokasi DEPOK
Luas Bangunan 90 m2
Luas Tanah 120 m2
Harga Jual Pengembang 298,500,000

PERHITUNGAN KPR OLEH BANK

Harga Bangunan / m2 1,500,000 Jangka Waktu Kredit
Harga Tanah / m2 1,000,000 Bunga Pinjaman per tahun
Sistem Bunga Pinjaman
Nilai Bangunan 135,000,000 Tetap (Flat)
Nilai Tanah 120,000,000 Efektif
Total Nilai Tanah & Bangunan 255,000,000 Menurun (Sliding)
Tanggal akad kredit
Uangmuka 40% Tenggang waktu pembayaran
Total dana dibiayai bank 153,000,000 Angsuran per bulan
Uangmuka yang harus dibayar 145,500,000
Dana yang tersedia
Asumsi kebutuhan angsuran
Kemampuan per bulan
Rekomendasi
Angsuran bulanan terlalu besar, coba perbesar
uangmuka dan atau perpanjang jangka waktu
kredit.

KESAN UMUM NASABAH

Harga Jual Pengembang 298,500,000
Uangmuka 40%
Perkiraan dana dibiayai bank 179,100,000
Perkiraan dana sendiri 119,400,000

REALISASI
Total dana dibiayai bank 153,000,000
Tambahan uangmuka 26,100,000
Uangmuka yang harus dibayar 145,500,000
 ANGSURAN PINJAMAN dan RINCIAN PEMBAYARAN
Bunga Pinjaman per Tahun 12.50%
Jangka Waktu Pinjam 60 bulan
Pokok Pinjaman 153,000,000
Tanggal Pinjam 1-Jan-2016
Tenggang Waktu Pembayaran 1 bulan
1 0 Angsuran per Bulan 4,143,750
TABEL ANGSURAN PINJAMAN
5 tahun 0
CICILAN
BULAN POKOK ANGSURAN
12.50% BULAN POKOK BUNGA
KE PINJAMAN PER BULAN
PINJAMAN

1 Jan 2014 153,000,000 2,550,000 1,593,750 4,143,750

2 Jan 2014 150,450,000 2,550,000 1,593,750 4,143,750
3 Jan 2014 147,900,000 2,550,000 1,593,750 4,143,750
1/1/2016 4 Jan 2014 145,350,000 2,550,000 1,593,750 4,143,750
1 bulan 5 Jan 2014 142,800,000 2,550,000 1,593,750 4,143,750
4,143,750 6 Jan 2014 140,250,000 2,550,000 1,593,750 4,143,750
7 Jan 2014 137,700,000 2,550,000 1,593,750 4,143,750
180,000,000 8 Jan 2014 135,150,000 2,550,000 1,593,750 4,143,750
12 bulan 9 Jan 2014 132,600,000 2,550,000 1,593,750 4,143,750
2,875,000 10 Jan 2014 130,050,000 2,550,000 1,593,750 4,143,750
11 Jan 2014 127,500,000 2,550,000 1,593,750 4,143,750
12 Jan 2014 124,950,000 2,550,000 1,593,750 4,143,750
terlalu besar, coba perbesar
au perpanjang jangka waktu 13 Jan 2014 122,400,000 2,550,000 1,593,750 4,143,750
kredit.
14 Jan 2014 119,850,000 2,550,000 1,593,750 4,143,750
15 Jan 2014 117,300,000 2,550,000 1,593,750 4,143,750
16 Jan 2014 114,750,000 2,550,000 1,593,750 4,143,750
17 Jan 2014 112,200,000 2,550,000 1,593,750 4,143,750
18 Jan 2014 109,650,000 2,550,000 1,593,750 4,143,750
19 Jan 2014 107,100,000 2,550,000 1,593,750 4,143,750
20 Jan 2014 104,550,000 2,550,000 1,593,750 4,143,750
21 Jan 2014 102,000,000 2,550,000 1,593,750 4,143,750
22 Jan 2014 99,450,000 2,550,000 1,593,750 4,143,750
23 Jan 2014 96,900,000 2,550,000 1,593,750 4,143,750
24 Jan 2014 94,350,000 2,550,000 1,593,750 4,143,750
25 Jan 2014 91,800,000 2,550,000 1,593,750 4,143,750
26 Jan 2014 89,250,000 2,550,000 1,593,750 4,143,750
27 Jan 2014 86,700,000 2,550,000 1,593,750 4,143,750
28 Jan 2014 84,150,000 2,550,000 1,593,750 4,143,750
29 Jan 2014 81,600,000 2,550,000 1,593,750 4,143,750
30 Jan 2014 79,050,000 2,550,000 1,593,750 4,143,750
31 Jan 2014 76,500,000 2,550,000 1,593,750 4,143,750
32 Jan 2014 73,950,000 2,550,000 1,593,750 4,143,750
33 Jan 2014 71,400,000 2,550,000 1,593,750 4,143,750
34 Jan 2014 68,850,000 2,550,000 1,593,750 4,143,750
35 Jan 2014 66,300,000 2,550,000 1,593,750 4,143,750
36 Jan 2014 63,750,000 2,550,000 1,593,750 4,143,750
37 Jan 2014 61,200,000 2,550,000 1,593,750 4,143,750
38 Jan 2014 58,650,000 2,550,000 1,593,750 4,143,750
39 Jan 2014 56,100,000 2,550,000 1,593,750 4,143,750
40 Jan 2014 53,550,000 2,550,000 1,593,750 4,143,750
41 Jan 2014 51,000,000 2,550,000 1,593,750 4,143,750
42 Jan 2014 48,450,000 2,550,000 1,593,750 4,143,750
43 Jan 2014 45,900,000 2,550,000 1,593,750 4,143,750
44 Jan 2014 43,350,000 2,550,000 1,593,750 4,143,750
45 Jan 2014 40,800,000 2,550,000 1,593,750 4,143,750
46 Jan 2014 38,250,000 2,550,000 1,593,750 4,143,750
47 Jan 2014 35,700,000 2,550,000 1,593,750 4,143,750
48 Jan 2014 33,150,000 2,550,000 1,593,750 4,143,750
49 Jan 2014 30,600,000 2,550,000 1,593,750 4,143,750
50 Jan 2014 28,050,000 2,550,000 1,593,750 4,143,750
51 Jan 2014 25,500,000 2,550,000 1,593,750 4,143,750
52 Jan 2014 22,950,000 2,550,000 1,593,750 4,143,750
53 Jan 2014 20,400,000 2,550,000 1,593,750 4,143,750
54 Jan 2014 17,850,000 2,550,000 1,593,750 4,143,750
55 Jan 2014 15,300,000 2,550,000 1,593,750 4,143,750
56 Jan 2014 12,750,000 2,550,000 1,593,750 4,143,750
57 Jan 2014 10,200,000 2,550,000 1,593,750 4,143,750
58 Jan 2014 7,650,000 2,550,000 1,593,750 4,143,750
59 Jan 2014 5,100,000 2,550,000 1,593,750 4,143,750
60 Jan 2014 2,550,000 2,550,000 1,593,750 4,143,750
MBAYARAN

SALDO POKOK
PINJAMAN

150,450,000
147,900,000
145,350,000
142,800,000
140,250,000
137,700,000
135,150,000
132,600,000
130,050,000
127,500,000
124,950,000
122,400,000
119,850,000
117,300,000
114,750,000
112,200,000
109,650,000
107,100,000
104,550,000
102,000,000
99,450,000
96,900,000
94,350,000
91,800,000
89,250,000
86,700,000
84,150,000
81,600,000
79,050,000
76,500,000
73,950,000
71,400,000
68,850,000
66,300,000
63,750,000
61,200,000
58,650,000
56,100,000
53,550,000
51,000,000
48,450,000
45,900,000
43,350,000
40,800,000
38,250,000
35,700,000
33,150,000
30,600,000
28,050,000
25,500,000
22,950,000
20,400,000
17,850,000
15,300,000
12,750,000
10,200,000
7,650,000
5,100,000
2,550,000
0