Masa Kredit (Bulan) 36 Advance Jenis Kendaraan Penumpang

Bunga Jual 13.50% Flat Per Tahun Tahun Pembuatan 2012 Simulasi Perhitungan Pembiayaan
MPH Sesuai Memo Internal 150,150,000.00 Tarif Premi Wilayah 2 Kendaraan Bermotor Roda Empat atau Lebih
Created & Designed by hobert tjiu DKI Jakarta, Jawa Barat, dan Banten
Harga On The Road 210,000,000.00 Created & Designed by hobert tjiu Created & Designed by hobert tjiu
Uang Muka 35.53% 74,611,669.00 Tahun Jenis Asuransi Depresiasi Pertanggungan Main Premi Loading Fee Premi Asuransi
Pokok Hutang 64.47% 135,388,331.00 1 Comprehensive 100% 210,000,000.00 4,368,000.00 436,800.00 4,804,800.00
Premi As. Yang Dikredit 0.00 2 Comprehensive 80% 168,000,000.00 4,149,600.00 622,440.00 4,772,040.00
Total Pokok Hutang 135,388,331.00 3 Comprehensive 70% 147,000,000.00 3,630,900.00 726,180.00 4,357,080.00
0 Comprehensive 0% 0.00 0.00 0.00 0.00
0 Comprehensive 0% 0.00 0.00 0.00 0.00
Angsuran Per Bulan 5,284,000.00 Created & Designed by hobert tjiu Total Premi Asuransi 13,933,920.00
Created & Designed by hobert tjiu Selling Rate 25.1646% Effective P.A. Tunai All Tenor 13,933,920.00
Premi Asuransi Tunai 13,933,920.00 Supplier Rate 21.8477% Effective P.A. Yang Dikredit Kosong (Nol) 0.00
Biaya Administrasi 3,000,000.00 Created & Designed by hobert tjiu Created & Designed by hobert tjiu
Biaya Provisi 2.00% 2,707,766.62 Pendapatan Bunga 54,835,669.00 Refund Bunga (NPV) 2.00% 5,781,000.00
Biaya Survei 0.00 Pendapatan Asuransi 3,483,480.00 Refund Asuransi 20.00% 2,786,784.00
Created & Designed by hobert tjiu Pendapatan Administrasi 3,000,000.00 Refund Provisi 0.00% 0.00
Total Bayar Pertama (TDP) 99,537,355.62 Pendapatan Provisi 2,707,766.62 Total Komisi/Refund 8,567,784.00
Pembayaran (Disbursement) 110,462,644.38 Total Pendapatan 64,026,915.62 Komisi/Refund Sesuai SE OJK
Batas Maksimum SE OJK 9,604,000.00
Masa Kredit (Bulan) 60 Advance Jenis Kendaraan Penumpang
Bunga Jual 13.50% Flat Per Tahun Tahun Pembuatan 2013 Simulasi Perhitungan Pembiayaan
MPH Sesuai Memo Internal 128,000,000.00 Tarif Premi Wilayah 3 Kendaraan Bermotor Roda Empat atau Lebih
Created & Designed by hobert tjiu Selain Wilayah 1 dan Wilayah 2
Harga On The Road 195,000,000.00 Created & Designed by hobert tjiu Created & Designed by hobert tjiu
Uang Muka 34.54% 67,345,979.38 Tahun Jenis Asuransi Depresiasi Pertanggungan Main Premi Loading Fee Premi Asuransi
Pokok Hutang 65.46% 127,654,020.62 1 Total Loss Only 100% 195,000,000.00 858,000.00 0.00 858,000.00
Premi As. Yang Dikredit 0.00 2 Total Loss Only 80% 156,000,000.00 686,400.00 0.00 686,400.00
Total Pokok Hutang 127,654,020.62 3 Total Loss Only 70% 136,500,000.00 600,600.00 0.00 600,600.00
4 Total Loss Only 65% 126,750,000.00 557,700.00 0.00 557,700.00
5 Total Loss Only 65% 126,750,000.00 557,700.00 0.00 557,700.00
Angsuran Per Bulan 3,564,000.00 Created & Designed by hobert tjiu Total Premi Asuransi 3,260,400.00
Created & Designed by hobert tjiu Selling Rate 23.4774% Effective P.A. Tunai All Tenor 3,260,400.00
Premi Asuransi Tunai 3,260,400.00 Supplier Rate 21.2535% Effective P.A. Yang Dikredit Kosong (Nol) 0.00
Biaya Administrasi 3,000,000.00 Created & Designed by hobert tjiu Created & Designed by hobert tjiu
Biaya Provisi 3.00% 3,829,620.62 Pendapatan Bunga 86,185,979.38 Refund Bunga (NPV) 1.50% 5,715,000.00
Biaya Survei 0.00 Pendapatan Asuransi 815,100.00 Refund Asuransi 20.00% 652,080.00
Created & Designed by hobert tjiu Pendapatan Administrasi 3,000,000.00 Refund Provisi 1.50% 1,914,810.31
Total Bayar Pertama (TDP) 81,000,000.00 Pendapatan Provisi 3,829,620.62 Total Komisi/Refund 8,281,890.31
Pembayaran (Disbursement) 114,000,000.00 Total Pendapatan 93,830,700.00 Komisi/Refund Sesuai SE OJK
Batas Maksimum SE OJK 14,074,000.00
Masa Kredit (Bulan) 60 Advance Jenis Kendaraan Penumpang
Bunga Jual 12.00% Flat Per Tahun Tahun Pembuatan 2012 Simulasi Perhitungan Pembiayaan
MPH Sesuai Memo Internal 150,000,000.00 Tarif Premi Wilayah 2 Kendaraan Bermotor Roda Empat atau Lebih
Created & Designed by hobert tjiu DKI Jakarta, Jawa Barat, dan Banten
Harga On The Road 209,500,000.00 Created & Designed by hobert tjiu Created & Designed by hobert tjiu
Uang Muka 35.61% 74,611,669.00 Tahun Jenis Asuransi Depresiasi Pertanggungan Main Premi Loading Fee Premi Asuransi
Pokok Hutang 134,888,331.00 1 Comprehensive 100% 209,500,000.00 4,357,600.00 435,760.00 4,793,360.00
Premi As. Yang Dikredit 0.00 2 Comprehensive 80% 167,600,000.00 4,139,720.00 620,958.00 4,760,678.00
Total Pokok Hutang 134,888,331.00 3 Comprehensive 70% 146,650,000.00 3,622,255.00 724,451.00 4,346,706.00
4 Comprehensive 65% 136,175,000.00 3,363,522.50 840,880.63 4,204,403.13
5 Comprehensive 65% 136,175,000.00 3,363,522.50 1,009,056.75 4,372,579.25
Angsuran Per Bulan 3,597,500.00 Created & Designed by hobert tjiu Total Premi Asuransi 22,477,726.38
Created & Designed by hobert tjiu Selling Rate 21.1546% Effective P.A. Tunai All Tenor 22,477,726.38
Premi Asuransi Tunai 22,477,726.38 Supplier Rate 18.1615% Effective P.A. Yang Dikredit Kosong (Nol) 0.00
Biaya Administrasi 3,000,000.00 Created & Designed by hobert tjiu Created & Designed by hobert tjiu
Biaya Provisi 2.00% 2,697,766.62 Pendapatan Bunga 80,961,669.00 Refund Bunga (NPV) 2.00% 8,430,000.00
Biaya Survei 0.00 Pendapatan Asuransi 5,619,431.60 Refund Asuransi 20.00% 4,495,545.28
Created & Designed by hobert tjiu Pendapatan Administrasi 3,000,000.00 Refund Provisi 0.00% 0.00
Total Bayar Pertama (TDP) 106,384,662.00 Pendapatan Provisi 2,697,766.62 Total Komisi/Refund 12,925,545.28
Pembayaran (Disbursement) 103,115,338.00 Total Pendapatan 92,278,867.22 Komisi/Refund Sesuai SE OJK
Batas Maksimum SE OJK 13,841,000.00
Masa Kredit (Bulan) 60 Advance Jenis Kendaraan Penumpang
Bunga Jual 12.00% Flat Per Tahun Tahun Pembuatan 2012 Simulasi Perhitungan Pembiayaan
MPH Sesuai Memo Internal 150,000,000.00 Tarif Premi Wilayah 2 Kendaraan Bermotor Roda Empat atau Lebih
Created & Designed by hobert tjiu DKI Jakarta, Jawa Barat, dan Banten
Harga On The Road 209,500,000.00 Created & Designed by hobert tjiu Created & Designed by hobert tjiu
Uang Muka 74,611,669.00 Tahun Jenis Asuransi Depresiasi Pertanggungan Main Premi Loading Fee Premi Asuransi
Pokok Hutang 64.39% 134,888,331.00 1 Comprehensive 100% 209,500,000.00 4,357,600.00 435,760.00 4,793,360.00
Premi As. Yang Dikredit 0.00 2 Comprehensive 80% 167,600,000.00 4,139,720.00 620,958.00 4,760,678.00
Total Pokok Hutang 134,888,331.00 3 Comprehensive 70% 146,650,000.00 3,622,255.00 724,451.00 4,346,706.00
4 Comprehensive 65% 136,175,000.00 3,363,522.50 840,880.63 4,204,403.13
5 Comprehensive 65% 136,175,000.00 3,363,522.50 1,009,056.75 4,372,579.25
Angsuran Per Bulan 3,597,500.00 Created & Designed by hobert tjiu Total Premi Asuransi 22,477,726.38
Created & Designed by hobert tjiu Selling Rate 21.1546% Effective P.A. Tunai All Tenor 22,477,726.38
Premi Asuransi Tunai 22,477,726.38 Supplier Rate 18.1615% Effective P.A. Yang Dikredit Kosong (Nol) 0.00
Biaya Administrasi 3,000,000.00 Created & Designed by hobert tjiu Created & Designed by hobert tjiu
Biaya Provisi 2.00% 2,697,766.62 Pendapatan Bunga 80,961,669.00 Refund Bunga (NPV) 2.00% 8,430,000.00
Biaya Survei 0.00 Pendapatan Asuransi 5,619,431.60 Refund Asuransi 20.00% 4,495,545.28
Created & Designed by hobert tjiu Pendapatan Administrasi 3,000,000.00 Refund Provisi 0.00% 0.00
Total Bayar Pertama (TDP) 106,384,662.00 Pendapatan Provisi 2,697,766.62 Total Komisi/Refund 12,925,545.28
Pembayaran (Disbursement) 103,115,338.00 Total Pendapatan 92,278,867.22 Komisi/Refund Sesuai SE OJK
Batas Maksimum SE OJK 13,841,000.00