Jika customer ingin membeli unit Avanza G M/T dengan skema kredit sebagai berikut: DP 25%

tenor 3 th, nilai OTR sebesar 187.950.000, rate bunga 5.85%, rate insurance 2.97% (tahun
pertama pre paid, tahun kedua dan ketiga on loan) biaya admin 1.100.000, biaya fidusia 650.000
dan biaya admin asuransi 50.000. Note: Non TJH. Maka hitunglah:
a.Berapa nilai angsuran yang harus dibayarkan customer ?
b.Berapa nilai Total DP yang harus dibayarkan customer jika skema kredit ADDM dan jika
ADDB.

Diketahui:
DP : 25% Interest rate : 5.85%
Tenor : 3th Insurance rate : 2,97% (tahun ke-1 prepaid , 2-3 onloan)
OTR : 187.950.000 Fidusia fee : 650.000
Adm fee : 1.100.000 Insurance adm fee : 50.000

Ditanya:
a) Installment
HUTANG POKOK = OTR – DP
= 187.950.000 – (25% x 187.950.000)
= 140.962.500

ASURANSI >>>> Th ke-1 = 100% x 2,97% x 187.950.000 = 5.582.115 (Cash)

Th ke-2 = 80% x 2,97% x 187.950.000 = 4.465.692 (Credit)
Th ke-3 = 80% x 2,97% x 187.950.000 = 4.465.692 (Credit)

TOTAL HUTANG = HUTANG POKOK + ASURANSI

= 140.962.500 + 8.931.384
= 149.893.884

BUNGA = Total HUTANG x Interest Rate x Tenor

HUTANG = 149.893.884 x 5,85% x 3
= 26.306.377

Installment = (TOTAL HUTANG + BUNGA HUTANG) / Tenor

= (149.893.884 + 26.306.377) / 36
= 4.894.452

Instalment Amount = Rp.4.895.000,-

b) Total DP
• ADDM
TDP = DP + Instalment + Cash Insurance + Adm Fee + Insurance adm fee + Fidusia fee
= 46.987.500 + 4.895.000 + 5.582.115 + 1.100.000 + 50.000 + 650.000
= 59.264.615

• ADDB
TDP = DP + Cash Insurance + Adm Fee + Insurance adm fee + Fidusia fee
= 46.987.500 + 5.582.115 + 1.100.000 + 50.000 + 650.000
= 54.369.615