2
3
4
5
6
7
Input
File ini terdiri dari 6 sheet: 1. Instruction, 2. Akseptasi Prapen 3. Input, 4. Jadwal Angsuran, 5. Jadwal Angsuran
MMQ dan 6. Pelunasan
Sheet "Instruction" berisi petunjuk penggunaan file ini
Sheet "Akseptasi Prapen" berisi Simulasi Pendapatan Manfaat Pensiun Nasabah
Sheet "Input" berisi Input awal permohonan nasabah yang akan digunakan untuk memperoleh Plafond
Maksimal. Silahkan input permohonan nasabah pada Tabel Input. Hasilnya akan tertera pada Tabel output
Sheet "Jadwal Angsuran" berisi jadwal angsuran Murabahah yang telah dibuat dari sheet "input".
Sheet "MMQ" berisi simulasi jadwal angsuran MMQ sesuai yang diinginkan nasabah
Sheet "Pelunasan" berisi simulasi pelunasan seluruhnya maupun sebagian. Isilah terlebih dahulu data nasabah
di input
Sheet "Akseptasi Pensiun" berisi Simulasi Pendapatan Manfaat Pensiun Khusus Nasabah BUP
Total Manfaat Pensiun: 4,358,338 Note: Estimasi Manfaat Pensiun Nasabah a.n.
EFFENDI Sebesar Rp4.358.338,-
= Diisi Manual
SIMULASI PEMBIAYAAN
INPU
DATA PEMBIAYAAN
Model Angsuran: Prapen 2 Tahun
Tenor (Bulan): 180
Tgl Proyeksi cair: 11-Nov-2021
Tgl Pensiun: 5-Aug-2022
1 Gaji Saat Ini (70%): 5,700,000
1 Manfaat pensiun (90%): 4,358,338
Angsuran BSI: 0
Angsuran Selain BSI: 0
Status Payroll: Payroll
Plafond Take Over: 0
Plafond Pembiayaan: 260,000,000
OUTP
Dengan BSI Pra Pensiun
Total Maksimal Pembiayaan: 296,000,000
Sisa Usia Pensiun (Bulan): 9
Angs. Total Pra Pensiun: 2,501,666.74
Angs. Total Pasca Pensiun: 3,098,616.38
Jangka Waktu (Bulan) 180
Plafond Take Over: -
Plafond Pembiayaan: 260,000,000
Catatan:
Silahkan cek inputan Anda
PEMBIAYAAN BSI PRA PENSIUN
INPUT
INPUT BIAYA
D Maskapai Asuransi:
Tipe Atribusi:
11/1/2021 Rate Asuransi (%):
9/1/2022 Fee Mitra/Fronting (%):
171 Biaya Flagging:
Biaya Pinalti:
Price Sebelum Pensiun:
Price Setelah Pensiun:
P Jasa Kelolaan:
Tipe Coverage Asuransi:
Jumlah Blokir Angsuran:
OUTPUT
Biaya Akuisisi
Nilai Limit Coverage Asuransi:
9 Biaya Asuransi:
Biaya Fee Mitra/Fronting:
Biaya Flagging:
Biaya Pinalti:
Total Biaya:
Biaya Atribusi Bank:
Biaya Atribusi Nasabah:
Total Biaya Atribusi:
Biaya Awal Nasabah:
4.70% -
2.25% -
600,000
1,000,000
11.50% Non Payroll
11.50%
0.00%
PLAFOND
31,810,850
Biaya Akuisisi
#N/A
12,220,000
5,850,000
600,000
1,000,000
19,670,000
#N/A
6,450,000
-
6,450,000
13,220,000
AT JADWAL ANGSURAN
80,000,000.00
23,861,492.29
56,138,507.71
Plapond 260,000,000.00
Asuransi 12,220,000.00
Pelunasan 161000000
Blokir
2,501,666.74 12 30,020,000.89 Angsuran sd November 2022 Gaji sd Pensiun Utuh
3,098,616.38 1 3,098,616.38 Angsuran sd Desember 2022 Gaji Bulan Desember Pensiun Utuh
Total 33,118,617.26
SISA 53,661,382.74
Plafond: 260,000,000
Tenor (Bulan): 180
Price Sebelum Pensiun: 11.50%
Price Setelah Pensiun: 11.51%
Jasa Kelolaan: 0.00%
Angsuran Top Up
Sisa OS Pokok Angs Pokok Angs Margin
259,989,999.93 10,000.07 2,491,666.67
259,979,904.02 10,095.91 2,491,570.83
259,969,711.36 10,192.66 2,491,474.08
259,959,421.02 10,290.34 2,491,376.40
259,949,032.06 10,388.96 2,491,277.78
259,938,543.54 10,488.52 2,491,178.22
259,927,954.51 10,589.03 2,491,077.71
259,917,264.00 10,690.51 2,490,976.23
259,906,471.04 10,792.96 2,490,873.78
259,300,790.89 605,680.15 2,492,936.23
258,689,301.27 611,489.63 2,487,126.75
258,071,946.44 617,354.83 2,481,261.55
257,448,670.16 623,276.29 2,475,340.09
256,819,415.61 629,254.55 2,469,361.83
256,184,125.47 635,290.15 2,463,326.23
255,542,741.83 641,383.64 2,457,232.74
254,895,206.25 647,535.58 2,451,080.80
254,241,459.73 653,746.53 2,444,869.85
253,581,442.68 660,017.05 2,438,599.33
252,915,094.98 666,347.71 2,432,268.67
252,242,355.89 672,739.09 2,425,877.29
251,563,164.11 679,191.78 2,419,424.60
250,877,457.76 685,706.36 2,412,910.02
250,185,174.33 692,283.43 2,406,332.95
249,486,250.76 698,923.58 2,399,692.80
248,780,623.34 705,627.42 2,392,988.96
248,068,227.78 712,395.57 2,386,220.81
247,348,999.15 719,228.63 2,379,387.75
246,622,871.92 726,127.23 2,372,489.15
245,889,779.93 733,092.00 2,365,524.38
245,149,656.36 740,123.57 2,358,492.81
244,402,433.78 747,222.59 2,351,393.79
243,648,044.08 754,389.70 2,344,226.68
242,886,418.52 761,625.56 2,336,990.82
242,117,487.71 768,930.82 2,329,685.56
241,341,181.57 776,306.14 2,322,310.24
240,557,429.37 783,752.21 2,314,864.17
239,766,159.67 791,269.70 2,307,346.68
238,967,300.38 798,859.30 2,299,757.08
238,160,778.69 806,521.69 2,292,094.69
237,346,521.11 814,257.58 2,284,358.80
236,524,453.46 822,067.66 2,276,548.72
235,694,500.80 829,952.66 2,268,663.72
234,856,587.52 837,913.29 2,260,703.09
234,010,637.24 845,950.28 2,252,666.10
233,156,572.89 854,064.35 2,244,552.03
232,294,316.65 862,256.25 2,236,360.13
231,423,789.92 870,526.73 2,228,089.65
230,544,913.40 878,876.53 2,219,739.85
229,657,606.98 887,306.42 2,211,309.96
228,761,789.82 895,817.17 2,202,799.21
227,857,380.27 904,409.55 2,194,206.83
226,944,295.93 913,084.34 2,185,532.04
226,022,453.60 921,842.34 2,176,774.04
225,091,769.25 930,684.35 2,167,932.03
224,152,158.10 939,611.16 2,159,005.22
223,203,534.50 948,623.60 2,149,992.78
222,245,812.03 957,722.48 2,140,893.90
221,278,903.40 966,908.63 2,131,707.75
220,302,720.50 976,182.90 2,122,433.48
219,317,174.39 985,546.12 2,113,070.26
218,322,175.24 994,999.15 2,103,617.23
217,317,632.40 1,004,542.85 2,094,073.53
216,303,454.31 1,014,178.09 2,084,438.29
215,279,548.56 1,023,905.75 2,074,710.63
214,245,821.86 1,033,726.71 2,064,889.67
213,202,179.99 1,043,641.87 2,054,974.51
212,148,527.86 1,053,652.14 2,044,964.24
211,084,769.44 1,063,758.42 2,034,857.96
210,010,807.82 1,073,961.63 2,024,654.75
208,926,545.10 1,084,262.72 2,014,353.66
207,831,882.50 1,094,662.60 2,003,953.78
206,726,720.27 1,105,162.24 1,993,454.14
205,610,957.68 1,115,762.59 1,982,853.79
204,484,493.08 1,126,464.61 1,972,151.77
203,347,223.80 1,137,269.28 1,961,347.10
202,199,046.21 1,148,177.59 1,950,438.79
201,039,855.69 1,159,190.53 1,939,425.85
199,869,546.59 1,170,309.10 1,928,307.28
198,688,012.29 1,181,534.31 1,917,082.07
197,495,145.09 1,192,867.20 1,905,749.18
196,290,836.32 1,204,308.78 1,894,307.60
195,074,976.21 1,215,860.11 1,882,756.27
193,847,453.98 1,227,522.23 1,871,094.15
192,608,157.77 1,239,296.22 1,859,320.16
191,356,974.64 1,251,183.13 1,847,433.25
190,093,790.59 1,263,184.06 1,835,432.32
188,818,490.48 1,275,300.11 1,823,316.27
187,530,958.12 1,287,532.36 1,811,084.02
186,231,076.19 1,299,881.94 1,798,734.44
184,918,726.22 1,312,349.97 1,786,266.41
183,593,788.63 1,324,937.60 1,773,678.78
182,256,142.67 1,337,645.96 1,760,970.42
180,905,666.47 1,350,476.21 1,748,140.17
179,542,236.94 1,363,429.53 1,735,186.85
178,165,729.85 1,376,507.09 1,722,109.29
176,776,019.77 1,389,710.09 1,708,906.29
175,372,980.05 1,403,039.72 1,695,576.66
173,956,482.85 1,416,497.21 1,682,119.17
172,526,399.07 1,430,083.78 1,668,532.60
171,082,598.41 1,443,800.67 1,654,815.71
169,624,949.29 1,457,649.12 1,640,967.26
168,153,318.88 1,471,630.41 1,626,985.97
166,667,573.09 1,485,745.80 1,612,870.58
165,167,576.52 1,499,996.57 1,598,619.81
163,653,192.49 1,514,384.04 1,584,232.34
162,124,282.98 1,528,909.51 1,569,706.87
160,580,708.68 1,543,574.30 1,555,042.08
159,022,328.94 1,558,379.75 1,540,236.63
157,449,001.73 1,573,327.21 1,525,289.17
155,860,583.70 1,588,418.04 1,510,198.34
154,256,930.09 1,603,653.61 1,494,962.77
152,637,894.77 1,619,035.33 1,479,581.05
151,003,330.20 1,634,564.57 1,464,051.81
149,353,087.43 1,650,242.77 1,448,373.61
147,687,016.09 1,666,071.35 1,432,545.03
146,004,964.34 1,682,051.75 1,416,564.63
144,306,778.92 1,698,185.43 1,400,430.95
142,592,305.06 1,714,473.86 1,384,142.52
140,861,386.54 1,730,918.52 1,367,697.86
139,113,865.64 1,747,520.91 1,351,095.47
137,349,583.09 1,764,282.55 1,334,333.83
135,568,378.14 1,781,204.96 1,317,411.42
133,770,088.45 1,798,289.69 1,300,326.69
131,954,550.18 1,815,538.28 1,283,078.10
130,121,597.86 1,832,952.32 1,265,664.06
128,271,064.47 1,850,533.39 1,248,082.99
126,402,781.39 1,868,283.09 1,230,333.29
124,516,578.35 1,886,203.04 1,212,413.34
122,612,283.49 1,904,294.87 1,194,321.51
120,689,723.26 1,922,560.23 1,176,056.15
118,748,722.48 1,941,000.78 1,157,615.60
116,789,104.27 1,959,618.22 1,138,998.16
114,810,690.05 1,978,414.22 1,120,202.16
112,813,299.55 1,997,390.51 1,101,225.87
110,796,750.73 2,016,548.82 1,082,067.56
108,760,859.86 2,035,890.88 1,062,725.50
106,705,441.39 2,055,418.47 1,043,197.91
104,630,308.04 2,075,133.35 1,023,483.03
102,535,270.71 2,095,037.34 1,003,579.04
100,420,138.47 2,115,132.24 983,484.14
98,284,718.59 2,135,419.89 963,196.49
96,128,816.47 2,155,902.12 942,714.26
93,952,235.66 2,176,580.82 922,035.56
91,754,777.81 2,197,457.85 901,158.53
89,536,242.67 2,218,535.14 880,081.24
87,296,428.09 2,239,814.59 858,801.79
85,035,129.95 2,261,298.14 837,318.24
82,752,142.20 2,282,987.76 815,628.62
80,447,256.78 2,304,885.42 793,730.96
78,120,263.67 2,326,993.11 771,623.27
75,770,950.83 2,349,312.85 749,303.53
73,399,104.15 2,371,846.68 726,769.70
71,004,507.52 2,394,596.64 704,019.74
68,586,942.71 2,417,564.81 681,051.57
66,146,189.43 2,440,753.29 657,863.09
63,682,025.25 2,464,164.18 634,452.20
61,194,225.63 2,487,799.62 610,816.76
58,682,563.87 2,511,661.77 586,954.61
56,146,811.08 2,535,752.79 562,863.59
53,586,736.21 2,560,074.88 538,541.50
51,002,105.94 2,584,630.27 513,986.11
48,392,684.76 2,609,421.18 489,195.20
45,758,234.89 2,634,449.88 464,166.50
43,098,516.25 2,659,718.64 438,897.74
40,413,286.48 2,685,229.78 413,386.60
37,702,300.87 2,710,985.61 387,630.77
34,965,312.40 2,736,988.48 361,627.90
32,202,071.64 2,763,240.76 335,375.62
29,412,326.80 2,789,744.84 308,871.54
26,595,823.66 2,816,503.15 282,113.23
23,752,305.56 2,843,518.10 255,098.28
20,881,513.39 2,870,792.18 227,824.20
17,983,185.53 2,898,327.86 200,288.52
15,057,057.87 2,926,127.66 172,488.72
12,102,863.78 2,954,194.10 144,422.28
9,120,334.04 2,982,529.74 116,086.64
6,109,196.87 3,011,137.18 87,479.20
3,069,177.87 3,040,019.00 58,597.38
- 3,069,177.87 29,438.50
9
171
an Top Up 11.51%
Jasa Pengelolaan Total Angs -260,000,000
- 2,501,666.74 2,501,667
- 2,501,666.74 2,501,667
- 2,501,666.74 2,501,667
- 2,501,666.74 2,501,667
- 2,501,666.74 2,501,667
- 2,501,666.74 2,501,667
- 2,501,666.74 2,501,667
- 2,501,666.74 2,501,667
- 2,501,666.74 2,501,667
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
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- 3,098,616.38 3,098,616
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- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
- 3,098,616.38 3,098,616
Nama Nasabah: Firdaus
Total Aset: 300,000,000
Pilihan Jadwal Nasabah: Pembiayaan Baru
Jangka Waktu (bln): 180
Kewajiban Pra Pensiun: 2,501,667
Kewajiban Pasca Pensiun: 3,098,616
Biaya Sewa/
Tanggal Kewajiban Kewajiban Ke - Outstanding
Ujroh per bulan
1-Dec-2021 1 259,990,000 2,491,667
1-Jan-2022 2 259,979,904 2,491,571
1-Feb-2022 3 259,969,711 2,491,474
1-Mar-2022 4 259,959,421 2,491,376
1-Apr-2022 5 259,949,032 2,491,278
1-May-2022 6 259,938,544 2,491,178
1-Jun-2022 7 259,927,955 2,491,078
1-Jul-2022 8 259,917,264 2,490,976
1-Aug-2022 9 259,906,471 2,490,874
1-Sep-2022 10 259,300,791 2,492,936
1-Oct-2022 11 258,689,301 2,487,127
1-Nov-2022 12 258,071,946 2,481,262
1-Dec-2022 13 257,448,670 2,475,340
1-Jan-2023 14 256,819,416 2,469,362
1-Feb-2023 15 256,184,125 2,463,326
1-Mar-2023 16 255,542,742 2,457,233
1-Apr-2023 17 254,895,206 2,451,081
1-May-2023 18 254,241,460 2,444,870
1-Jun-2023 19 253,581,443 2,438,599
1-Jul-2023 20 252,915,095 2,432,269
1-Aug-2023 21 252,242,356 2,425,877
1-Sep-2023 22 251,563,164 2,419,425
1-Oct-2023 23 250,877,458 2,412,910
1-Nov-2023 24 250,185,174 2,406,333
1-Dec-2023 25 249,486,251 2,399,693
1-Jan-2024 26 248,780,623 2,392,989
1-Feb-2024 27 248,068,228 2,386,221
1-Mar-2024 28 247,348,999 2,379,388
1-Apr-2024 29 246,622,872 2,372,489
1-May-2024 30 245,889,780 2,365,524
1-Jun-2024 31 245,149,656 2,358,493
1-Jul-2024 32 244,402,434 2,351,394
1-Aug-2024 33 243,648,044 2,344,227
1-Sep-2024 34 242,886,418 2,336,991
1-Oct-2024 35 242,117,488 2,329,686
1-Nov-2024 36 241,341,181 2,322,310
1-Dec-2024 37 240,557,429 2,314,864
1-Jan-2025 38 239,766,160 2,307,347
1-Feb-2025 39 238,967,300 2,299,757
1-Mar-2025 40 238,160,779 2,292,095
1-Apr-2025 41 237,346,521 2,284,359
1-May-2025 42 236,524,453 2,276,549
1-Jun-2025 43 235,694,501 2,268,664
1-Jul-2025 44 234,856,587 2,260,703
1-Aug-2025 45 234,010,637 2,252,666
1-Sep-2025 46 233,156,573 2,244,552
1-Oct-2025 47 232,294,316 2,236,360
1-Nov-2025 48 231,423,790 2,228,090
1-Dec-2025 49 230,544,913 2,219,740
1-Jan-2026 50 229,657,607 2,211,310
1-Feb-2026 51 228,761,790 2,202,799
1-Mar-2026 52 227,857,380 2,194,207
1-Apr-2026 53 226,944,296 2,185,532
1-May-2026 54 226,022,453 2,176,774
1-Jun-2026 55 225,091,769 2,167,932
1-Jul-2026 56 224,152,158 2,159,005
1-Aug-2026 57 223,203,534 2,149,993
1-Sep-2026 58 222,245,812 2,140,894
1-Oct-2026 59 221,278,903 2,131,708
1-Nov-2026 60 220,302,720 2,122,433
1-Dec-2026 61 219,317,174 2,113,070
1-Jan-2027 62 218,322,175 2,103,617
1-Feb-2027 63 217,317,632 2,094,074
1-Mar-2027 64 216,303,454 2,084,438
1-Apr-2027 65 215,279,548 2,074,711
1-May-2027 66 214,245,822 2,064,890
1-Jun-2027 67 213,202,180 2,054,975
1-Jul-2027 68 212,148,528 2,044,964
1-Aug-2027 69 211,084,769 2,034,858
1-Sep-2027 70 210,010,808 2,024,655
1-Oct-2027 71 208,926,545 2,014,354
1-Nov-2027 72 207,831,882 2,003,954
1-Dec-2027 73 206,726,720 1,993,454
1-Jan-2028 74 205,610,957 1,982,854
1-Feb-2028 75 204,484,493 1,972,152
1-Mar-2028 76 203,347,223 1,961,347
1-Apr-2028 77 202,199,046 1,950,439
1-May-2028 78 201,039,855 1,939,426
1-Jun-2028 79 199,869,546 1,928,307
1-Jul-2028 80 198,688,012 1,917,082
1-Aug-2028 81 197,495,145 1,905,749
1-Sep-2028 82 196,290,836 1,894,308
1-Oct-2028 83 195,074,976 1,882,756
1-Nov-2028 84 193,847,454 1,871,094
1-Dec-2028 85 192,608,157 1,859,320
1-Jan-2029 86 191,356,974 1,847,433
1-Feb-2029 87 190,093,790 1,835,432
1-Mar-2029 88 188,818,490 1,823,316
1-Apr-2029 89 187,530,958 1,811,084
1-May-2029 90 186,231,076 1,798,734
1-Jun-2029 91 184,918,726 1,786,266
1-Jul-2029 92 183,593,788 1,773,679
1-Aug-2029 93 182,256,142 1,760,970
1-Sep-2029 94 180,905,666 1,748,140
1-Oct-2029 95 179,542,236 1,735,187
1-Nov-2029 96 178,165,729 1,722,109
1-Dec-2029 97 176,776,019 1,708,906
1-Jan-2030 98 175,372,980 1,695,577
1-Feb-2030 99 173,956,482 1,682,119
1-Mar-2030 100 172,526,399 1,668,533
1-Apr-2030 101 171,082,598 1,654,816
1-May-2030 102 169,624,949 1,640,967
1-Jun-2030 103 168,153,318 1,626,986
1-Jul-2030 104 166,667,573 1,612,871
1-Aug-2030 105 165,167,576 1,598,620
1-Sep-2030 106 163,653,192 1,584,232
1-Oct-2030 107 162,124,282 1,569,707
1-Nov-2030 108 160,580,708 1,555,042
1-Dec-2030 109 159,022,328 1,540,237
1-Jan-2031 110 157,449,001 1,525,289
1-Feb-2031 111 155,860,583 1,510,198
1-Mar-2031 112 154,256,929 1,494,963
1-Apr-2031 113 152,637,894 1,479,581
1-May-2031 114 151,003,330 1,464,052
1-Jun-2031 115 149,353,087 1,448,374
1-Jul-2031 116 147,687,015 1,432,545
1-Aug-2031 117 146,004,964 1,416,565
1-Sep-2031 118 144,306,778 1,400,431
1-Oct-2031 119 142,592,304 1,384,143
1-Nov-2031 120 140,861,386 1,367,698
1-Dec-2031 121 139,113,865 1,351,095
1-Jan-2032 122 137,349,582 1,334,334
1-Feb-2032 123 135,568,377 1,317,411
1-Mar-2032 124 133,770,088 1,300,327
1-Apr-2032 125 131,954,549 1,283,078
1-May-2032 126 130,121,597 1,265,664
1-Jun-2032 127 128,271,064 1,248,083
1-Jul-2032 128 126,402,781 1,230,333
1-Aug-2032 129 124,516,577 1,212,413
1-Sep-2032 130 122,612,283 1,194,322
1-Oct-2032 131 120,689,722 1,176,056
1-Nov-2032 132 118,748,722 1,157,616
1-Dec-2032 133 116,789,103 1,138,998
1-Jan-2033 134 114,810,689 1,120,202
1-Feb-2033 135 112,813,299 1,101,226
1-Mar-2033 136 110,796,750 1,082,068
1-Apr-2033 137 108,760,859 1,062,725
1-May-2033 138 106,705,440 1,043,198
1-Jun-2033 139 104,630,307 1,023,483
1-Jul-2033 140 102,535,270 1,003,579
1-Aug-2033 141 100,420,137 983,484
1-Sep-2033 142 98,284,718 963,196
1-Oct-2033 143 96,128,815 942,714
1-Nov-2033 144 93,952,235 922,036
1-Dec-2033 145 91,754,777 901,159
1-Jan-2034 146 89,536,242 880,081
1-Feb-2034 147 87,296,427 858,802
1-Mar-2034 148 85,035,129 837,318
1-Apr-2034 149 82,752,141 815,629
1-May-2034 150 80,447,256 793,731
1-Jun-2034 151 78,120,263 771,623
1-Jul-2034 152 75,770,950 749,304
1-Aug-2034 153 73,399,103 726,770
1-Sep-2034 154 71,004,506 704,020
1-Oct-2034 155 68,586,942 681,052
1-Nov-2034 156 66,146,188 657,863
1-Dec-2034 157 63,682,024 634,452
1-Jan-2035 158 61,194,224 610,817
1-Feb-2035 159 58,682,563 586,955
1-Mar-2035 160 56,146,810 562,864
1-Apr-2035 161 53,586,735 538,541
1-May-2035 162 51,002,105 513,986
1-Jun-2035 163 48,392,683 489,195
1-Jul-2035 164 45,758,234 464,166
1-Aug-2035 165 43,098,515 438,898
1-Sep-2035 166 40,413,285 413,387
1-Oct-2035 167 37,702,299 387,631
1-Nov-2035 168 34,965,311 361,628
1-Dec-2035 169 32,202,070 335,376
1-Jan-2036 170 29,412,325 308,872
1-Feb-2036 171 26,595,822 282,113
1-Mar-2036 172 23,752,304 255,098
1-Apr-2036 173 20,881,512 227,824
1-May-2036 174 17,983,184 200,289
1-Jun-2036 175 15,057,056 172,489
1-Jul-2036 176 12,102,862 144,422
1-Aug-2036 177 9,120,332 116,087
1-Sep-2036 178 6,109,195 87,479
1-Oct-2036 179 3,069,176 58,597
1-Nov-2036 180 0 29,440
Porsi nasabah: 40,000,000 13.33% Back To Input
###
Take Over
Pembiayaan Baru
Penurunan
Kewajiban Kewajiban
Pokok
2,501,667 2,501,667 10,000
2,501,667 2,501,667 10,096
2,501,667 2,501,667 10,193
2,501,667 2,501,667 10,290
2,501,667 2,501,667 10,389
2,501,667 2,501,667 10,489
2,501,667 2,501,667 10,589
2,501,667 2,501,667 10,691
2,501,667 2,501,667 10,793
3,098,616 3,098,616 605,680
3,098,616 3,098,616 611,490
3,098,616 3,098,616 617,355
3,098,616 3,098,616 623,276
3,098,616 3,098,616 629,255
3,098,616 3,098,616 635,290
3,098,616 3,098,616 641,384
3,098,616 3,098,616 647,536
3,098,616 3,098,616 653,747
3,098,616 3,098,616 660,017
3,098,616 3,098,616 666,348
3,098,616 3,098,616 672,739
3,098,616 3,098,616 679,192
3,098,616 3,098,616 685,706
3,098,616 3,098,616 692,283
3,098,616 3,098,616 698,924
3,098,616 3,098,616 705,627
3,098,616 3,098,616 712,396
3,098,616 3,098,616 719,229
3,098,616 3,098,616 726,127
3,098,616 3,098,616 733,092
3,098,616 3,098,616 740,124
3,098,616 3,098,616 747,223
3,098,616 3,098,616 754,390
3,098,616 3,098,616 761,626
3,098,616 3,098,616 768,931
3,098,616 3,098,616 776,306
3,098,616 3,098,616 783,752
3,098,616 3,098,616 791,270
3,098,616 3,098,616 798,859
3,098,616 3,098,616 806,522
3,098,616 3,098,616 814,258
3,098,616 3,098,616 822,068
3,098,616 3,098,616 829,953
3,098,616 3,098,616 837,913
3,098,616 3,098,616 845,950
3,098,616 3,098,616 854,064
3,098,616 3,098,616 862,256
3,098,616 3,098,616 870,527
3,098,616 3,098,616 878,877
3,098,616 3,098,616 887,306
3,098,616 3,098,616 895,817
3,098,616 3,098,616 904,410
3,098,616 3,098,616 913,084
3,098,616 3,098,616 921,842
3,098,616 3,098,616 930,684
3,098,616 3,098,616 939,611
3,098,616 3,098,616 948,624
3,098,616 3,098,616 957,722
3,098,616 3,098,616 966,909
3,098,616 3,098,616 976,183
3,098,616 3,098,616 985,546
3,098,616 3,098,616 994,999
3,098,616 3,098,616 1,004,543
3,098,616 3,098,616 1,014,178
3,098,616 3,098,616 1,023,906
3,098,616 3,098,616 1,033,727
3,098,616 3,098,616 1,043,642
3,098,616 3,098,616 1,053,652
3,098,616 3,098,616 1,063,758
3,098,616 3,098,616 1,073,962
3,098,616 3,098,616 1,084,263
3,098,616 3,098,616 1,094,663
3,098,616 3,098,616 1,105,162
3,098,616 3,098,616 1,115,763
3,098,616 3,098,616 1,126,465
3,098,616 3,098,616 1,137,269
3,098,616 3,098,616 1,148,178
3,098,616 3,098,616 1,159,191
3,098,616 3,098,616 1,170,309
3,098,616 3,098,616 1,181,534
3,098,616 3,098,616 1,192,867
3,098,616 3,098,616 1,204,309
3,098,616 3,098,616 1,215,860
3,098,616 3,098,616 1,227,522
3,098,616 3,098,616 1,239,296
3,098,616 3,098,616 1,251,183
3,098,616 3,098,616 1,263,184
3,098,616 3,098,616 1,275,300
3,098,616 3,098,616 1,287,532
3,098,616 3,098,616 1,299,882
3,098,616 3,098,616 1,312,350
3,098,616 3,098,616 1,324,938
3,098,616 3,098,616 1,337,646
3,098,616 3,098,616 1,350,476
3,098,616 3,098,616 1,363,430
3,098,616 3,098,616 1,376,507
3,098,616 3,098,616 1,389,710
3,098,616 3,098,616 1,403,040
3,098,616 3,098,616 1,416,497
3,098,616 3,098,616 1,430,084
3,098,616 3,098,616 1,443,801
3,098,616 3,098,616 1,457,649
3,098,616 3,098,616 1,471,630
3,098,616 3,098,616 1,485,746
3,098,616 3,098,616 1,499,997
3,098,616 3,098,616 1,514,384
3,098,616 3,098,616 1,528,910
3,098,616 3,098,616 1,543,574
3,098,616 3,098,616 1,558,380
3,098,616 3,098,616 1,573,327
3,098,616 3,098,616 1,588,418
3,098,616 3,098,616 1,603,654
3,098,616 3,098,616 1,619,035
3,098,616 3,098,616 1,634,565
3,098,616 3,098,616 1,650,243
3,098,616 3,098,616 1,666,071
3,098,616 3,098,616 1,682,052
3,098,616 3,098,616 1,698,185
3,098,616 3,098,616 1,714,474
3,098,616 3,098,616 1,730,919
3,098,616 3,098,616 1,747,521
3,098,616 3,098,616 1,764,283
3,098,616 3,098,616 1,781,205
3,098,616 3,098,616 1,798,290
3,098,616 3,098,616 1,815,538
3,098,616 3,098,616 1,832,952
3,098,616 3,098,616 1,850,533
3,098,616 3,098,616 1,868,283
3,098,616 3,098,616 1,886,203
3,098,616 3,098,616 1,904,295
3,098,616 3,098,616 1,922,560
3,098,616 3,098,616 1,941,001
3,098,616 3,098,616 1,959,618
3,098,616 3,098,616 1,978,414
3,098,616 3,098,616 1,997,391
3,098,616 3,098,616 2,016,549
3,098,616 3,098,616 2,035,891
3,098,616 3,098,616 2,055,418
3,098,616 3,098,616 2,075,133
3,098,616 3,098,616 2,095,037
3,098,616 3,098,616 2,115,132
3,098,616 3,098,616 2,135,420
3,098,616 3,098,616 2,155,902
3,098,616 3,098,616 2,176,581
3,098,616 3,098,616 2,197,458
3,098,616 3,098,616 2,218,535
3,098,616 3,098,616 2,239,815
3,098,616 3,098,616 2,261,298
3,098,616 3,098,616 2,282,988
3,098,616 3,098,616 2,304,885
3,098,616 3,098,616 2,326,993
3,098,616 3,098,616 2,349,313
3,098,616 3,098,616 2,371,847
3,098,616 3,098,616 2,394,597
3,098,616 3,098,616 2,417,565
3,098,616 3,098,616 2,440,753
3,098,616 3,098,616 2,464,164
3,098,616 3,098,616 2,487,800
3,098,616 3,098,616 2,511,662
3,098,616 3,098,616 2,535,753
3,098,616 3,098,616 2,560,075
3,098,616 3,098,616 2,584,630
3,098,616 3,098,616 2,609,421
3,098,616 3,098,616 2,634,450
3,098,616 3,098,616 2,659,719
3,098,616 3,098,616 2,685,230
3,098,616 3,098,616 2,710,986
3,098,616 3,098,616 2,736,988
3,098,616 3,098,616 2,763,241
3,098,616 3,098,616 2,789,745
3,098,616 3,098,616 2,816,503
3,098,616 3,098,616 2,843,518
3,098,616 3,098,616 2,870,792
3,098,616 3,098,616 2,898,328
3,098,616 3,098,616 2,926,128
3,098,616 3,098,616 2,954,194
3,098,616 3,098,616 2,982,530
3,098,616 3,098,616 3,011,137
3,098,616 3,098,616 3,040,019
3,098,616 3,098,616 3,069,176
SIMULASI ATRIBUSI PEMBIAYAAN PENSIUN
INPUT OUTPUT Nsbh D
Price Sebelum Atribusi: 10.00% Usia Saat Jatuh Tempo: Usia Maksimal 75 Tahun ###
Proyeksi Tanggal Cair: 30 January 2023 Tanggal Jatuh Tempo Tuesday, August 01, 2034 ###
2. Biaya Pinalti - -
Catatan: c12
- Plafond Yang Diterima Nasabah sebesar Rp280.000.000,-.
- Jangka Waktu 139 Bulan. ###
- Price Nasabah sebesar 12.36%.
###
- Biaya Atribusi Nasabah Sebesar Rp54.151.494,-
- Nilai Limit Penutupan Asuransi sebesar Rp334.151.494,- ###
- Tipe coverage asuransi adalah Plafond + Biaya Asuransi + Biaya Pinalti
###
###
###
###
PERHITUNGAN SIMULASI PENSIUNAN
NAMA :
JK WAKTU
GAJI
ANGSURAN
SISA GAJI
PELUNASAN
DITERIMA BERSIH
NOM AKSEP
GAPOK 3,376,700 100%
TUKIN 6,766,000 90%
UM 667,850 90%
10,810,550
11.3333333333333
2,021
1,969
52
8
60
NGAN SIMULASI PENSIUNAN PERHITUNGAN SIMULASI PENSIUN
KARYATI NAMA :
108 JK WAKTU
4,231,300.00 GAJI
3,798,026.88 ANGSURAN
433,273.12 SISA GAJI
(43,900.00)
389,373.12
280,000,000.00 PLAFOND
- ADM
- BIAYA ASURANSI
- CADANGAN 2X
-
122,627,403.64 PELUNASAN
157,372,596.36 DITERIMA BERSIH
1,430,653.01
1,419,084.34
125,477,140.99
ASKEP NOM
3,376,700
6,089,400
601,065
10,067,165.00
NGAN SIMULASI PENSIUNAN
JUHARIYAH
47
4,231,300.00
3,798,026.88
433,273.12
35,000,000.00
350,000.00
-
-
34,650,000.00
13,930,000.00 125000000
11.14% 0.11
3,919,000.00
3,798,026.88
120,973.12