12 24

OTR Rp.172,250,000 Rp.191,220,000

DP 86.39% Rp.148,807,921 58.58% Rp.112,019,547
Rp.23,442,079 Rp.79,200,453
0.00% Rp.0 0.00% Rp.0
PH Rp.23,442,079 Rp.79,200,453
BUNGA 2.38% Rp.557,921 3.03% Rp.4,799,547
PH + BUNGA Rp.24,000,000 Rp.84,000,000
ANGSURAN Rp.2,000,000 Rp.3,500,000
2,000,000 3,500,000
TOTAL DP
DP Rp.148,807,921 Rp.112,019,547
ANGSURAN 1 Rp.2,000,000 Rp.3,500,000
TJH Rp.100,000 Rp.100,000
ADMINISTRASI Rp.6,000,000 Rp.8,000,000
PROVISI + BCL 5.50% 1,289,314 5.80% 4,593,626
ASURANSI 2.67% Rp.4,629,075 3.30% Rp.6,340,260
TOTAL DP Rp.162,826,311 Rp.134,553,434

ALRISK 5.34%
KOMBI 3.30%

SIMULASI 1 TAHUN SIMULASI 2 TAHUN

11 X 23 X
OTR 172,250,000 OTR 191,220,000
TDP 162,826,311 TDP 134,553,434
Angsuran 2,000,000 Angsuran 3,500,000
Assuransi ALLRISK Assuransi KOMBINASI 1
 36 48 60
Rp.188,200,000 Rp.191,220,000
38.63% Rp.72,699,037 67.12% Rp.128,348,886 61.94%
Rp.115,500,963 Rp.62,871,114
0.00% Rp.0 0.00% Rp.0 0.00%
Rp.115,500,963 Rp.62,871,114
3.03% Rp.10,499,037 3.63% Rp.9,128,886 4.73%
Rp.126,000,000 Rp.72,000,000
Rp.3,500,000 Rp.1,500,000
3,500,000 1,500,000

Rp.72,699,037 Rp.128,348,886
Rp.3,500,000 Rp.1,500,000
Rp.300,000 Rp.100,000
Rp.3,000,000 Rp.8,250,000
1.30% 1,501,513 6.60% 4,149,494 6.88%
3.93% Rp.7,426,260 4.56% Rp.8,749,632 5.19%
Rp.88,426,810 Rp.151,098,011

ALRISK 8.01% ALRISK 10.68% ALRISK

KOMBI 3.93% KOMBI 4.56% KOMBI
KOMBI 2 5.97% KOMBI 2 6.60% KOMBI 2

SIMULASI 3 TAHUN SIMULASI 4 TAHUN SIMULASI 5 TAHUN

35 X 47 X 59 X
OTR 188,200,000 OTR 191,220,000 OTR
TDP 88,426,810 TDP 151,098,011 TDP
Angsuran 3,500,000 Angsuran 1,500,000 Angsuran
Assuransi KOMBINASI 1 Assuransi KOMBINASI 1 Assuransi
 60 72
Rp.191,220,000 Rp.160,300,000
Rp.118,433,910 8.90% Rp.14,260,761
Rp.72,786,090 Rp.146,039,239
Rp.0 0.00% Rp.0
Rp.72,786,090 Rp.146,039,239
Rp.17,213,910 5.93% Rp.51,960,761
Rp.90,000,000 Rp.198,000,000
Rp.1,500,000 Rp.2,750,000
1,500,000 2,750,000

Rp.118,433,910 Rp.14,260,761
Rp.1,500,000 Rp.2,750,000
Rp.100,000 Rp.200,000
Rp.8,500,000 Rp.8,500,000
5,007,683 6.90% 10,076,707
Rp.9,954,318 7.86% Rp.12,629,580
Rp.143,495,911 Rp.48,417,049

13.35% ALRISK 16.02%

5.19% KOMBI 5.82%
7.23% KOMBI 2 7.86%

SIMULASI 5 TAHUN SIMULASI 6 TAHUN

59 X 71 X
191,220,000 OTR 160,300,000
143,495,911 TDP 48,417,049
1,500,000 Angsuran 2,750,000
KOMBINASI 1 Assuransi KOMBINASI 2
 12 24
OTR Rp.335,400,000 Rp.290,000,000
DP 55.91% Rp.187,515,648 52.92% Rp.153,455,339
Rp.147,884,352 Rp.136,544,661
0.00% Rp.0 0.00% Rp.0
PH Rp.147,884,352 Rp.136,544,661
BUNGA 2.38% Rp.3,519,648 2.73% Rp.7,455,339
PH + BUNGA Rp.151,404,000 Rp.144,000,000
ANGSURAN Rp.12,617,000 Rp.6,000,000
12,617,000 6,000,000
TOTAL DP
DP Rp.187,515,648 Rp.153,455,339
ANGSURAN 1 Rp.12,617,000 Rp.6,000,000
TJH Rp.100,000 Rp.100,000
ADMINISTRASI Rp.3,000,000 Rp.5,500,000
PROVISI + BCL 0.55% 813,364 5.80% 7,919,590
ASURANSI 2.18% Rp.7,341,720 2.59% Rp.7,541,000
TOTAL DP Rp.211,387,732 Rp.180,515,929

ALRISK 4.36%
KOMBI 2.59%

SIMULASI 1 TAHUN SIMULASI 2 TAHUN

11 X 23 X
OTR 335,400,000 OTR 290,000,000
TDP 211,387,732 TDP 180,515,929
Angsuran 12,617,000 Angsuran 6,000,000
Assuransi ALLRISK Assuransi KOMBINASI 1
 36 48 60
Rp.290,000,000 Rp.313,300,000
31.54% Rp.91,452,339 53.18% Rp.166,600,733 51.33%
Rp.198,547,661 Rp.146,699,267
0.00% Rp.0 0.00% Rp.0 0.00%
Rp.198,547,661 Rp.146,699,267
2.93% Rp.17,452,339 3.63% Rp.21,300,733 4.73%
Rp.216,000,000 Rp.168,000,000
Rp.6,000,000 Rp.3,500,000
6,000,000 3,500,000

Rp.91,452,339 Rp.166,600,733
Rp.6,000,000 Rp.3,500,000
Rp.100,000 Rp.100,000
Rp.5,500,000 Rp.5,250,000
6.30% 12,508,503 4.60% 6,748,166 6.88%
3.00% Rp.8,730,000 3.41% Rp.10,713,530 3.82%
Rp.124,290,842 Rp.192,912,430

ALRISK 6.54% ALRISK 8.72% ALRISK

KOMBI 3.00% KOMBI 3.41% KOMBI
KOMBI 2 4.77% KOMBI 2 5.18% KOMBI 2

SIMULASI 3 TAHUN SIMULASI 4 TAHUN SIMULASI 5 TAHUN

35 X 47 X 59 X
OTR 290,000,000 OTR 313,300,000 OTR
TDP 124,290,842 TDP 192,912,430 TDP
Angsuran 6,000,000 Angsuran 3,500,000 Angsuran
Assuransi KOMBINASI 1 Assuransi KOMBINASI 1 Assuransi
 60 72
Rp.299,100,000 Rp.238,700,000
Rp.153,527,820 42.16% Rp.100,626,538
Rp.145,572,180 Rp.138,073,462
Rp.0 0.00% Rp.0
Rp.145,572,180 Rp.138,073,462
Rp.34,427,820 5.93% Rp.49,126,538
Rp.180,000,000 Rp.187,200,000
Rp.3,000,000 Rp.2,600,000
3,000,000 2,600,000

Rp.153,527,820 Rp.100,626,538
Rp.3,000,000 Rp.2,600,000
Rp.100,000 Rp.100,000
Rp.6,500,000 Rp.8,500,000
10,015,366 6.90% 9,527,069
Rp.11,455,620 4.23% Rp.10,127,010
Rp.184,598,806 Rp.131,480,617

10.90% ALRISK 13.08%

3.82% KOMBI 4.23%
5.59% KOMBI 2 6.00%

SIMULASI 5 TAHUN SIMULASI 6 TAHUN

59 X 71 X
299,100,000 OTR 238,700,000
184,598,806 TDP 131,480,617
3,000,000 Angsuran 2,600,000
KOMBINASI 1 Assuransi KOMBINASI 1
 12 24
OTR Rp.607,200,000 Rp.719,000,000
DP 80.70% Rp.489,989,607 68.50% Rp.492,499,434
Rp.117,210,393 Rp.226,500,566
0.00% Rp.0 0.00% Rp.0
PH Rp.117,210,393 Rp.226,500,566
BUNGA 2.38% Rp.2,789,607 2.98% Rp.13,499,434
PH + BUNGA Rp.120,000,000 Rp.240,000,000
ANGSURAN Rp.10,000,000 Rp.10,000,000
10,000,000 10,000,000
TOTAL DP
DP Rp.489,989,607 Rp.492,499,434
ANGSURAN 1 Rp.10,000,000 Rp.10,000,000
TJH Rp.100,000 Rp.100,000
ADMINISTRASI Rp.5,500,000 Rp.5,500,000
PROVISI + BCL 5.55% 6,505,177 5.80% 13,137,033
ASURANSI 1.20% Rp.7,316,400 2.40% Rp.17,286,000
TOTAL DP Rp.519,411,184 Rp.538,522,467

ALRISK 2.40%
KOMBI 1.45%

SIMULASI 1 TAHUN SIMULASI 2 TAHUN

11 X 23 X
OTR 607,200,000 OTR 719,000,000
TDP 519,411,184 TDP 538,522,467
Angsuran 10,000,000 Angsuran 10,000,000
Assuransi ALLRISK Assuransi ALLRISK
 36 48 60
Rp.518,840,000 Rp.628,000,000
67.93% Rp.352,466,028 35.43% Rp.222,481,313 34.46%
Rp.166,373,972 Rp.405,518,687
0.00% Rp.0 0.00% Rp.0 0.00%
Rp.166,373,972 Rp.405,518,687
2.73% Rp.13,626,028 3.63% Rp.58,881,313 4.73%
Rp.180,000,000 Rp.464,400,000
Rp.5,000,000 Rp.9,675,000
5,000,000 9,675,000

Rp.352,466,028 Rp.222,481,313
Rp.5,000,000 Rp.9,675,000
Rp.100,000 Rp.100,000
Rp.8,000,000 Rp.5,000,000
6.30% 10,481,560 4.60% 18,653,860 2.21%
1.70% Rp.8,850,280 1.95% Rp.12,276,000 2.20%
Rp.384,897,869 Rp.268,186,173

ALRISK 3.60% ALRISK 4.80% ALRISK

KOMBI 1.70% KOMBI 1.95% KOMBI
KOMBI 2 2.65% KOMBI 2 2.90% KOMBI 2

SIMULASI 3 TAHUN SIMULASI 4 TAHUN SIMULASI 5 TAHUN

35 X 47 X 59 X
OTR 518,840,000 OTR 628,000,000 OTR
TDP 384,897,869 TDP 268,186,173 TDP
Angsuran 5,000,000 Angsuran 9,675,000 Angsuran
Assuransi KOMBINASI 1 Assuransi KOMBINASI 1 Assuransi
 60 72
Rp.655,200,000 Rp.457,950,000
Rp.225,762,070 41.37% Rp.189,453,580
Rp.429,437,930 Rp.268,496,420
Rp.0 0.00% Rp.0
Rp.429,437,930 Rp.268,496,420
Rp.101,562,070 5.68% Rp.91,503,580
Rp.531,000,000 Rp.360,000,000
Rp.8,850,000 Rp.5,000,000
8,850,000 5,000,000

Rp.225,762,070 Rp.189,453,580
Rp.8,850,000 Rp.5,000,000
Rp.500,000 Rp.100,000
Rp.3,800,000 Rp.7,500,000
9,507,756 6.90% 18,526,253
Rp.14,444,400 7.20% Rp.33,002,400
Rp.262,864,226 Rp.253,582,233

6.00% ALRISK 7.20%

2.20% KOMBI 2.45%
3.15% KOMBI 2 3.40%

SIMULASI 5 TAHUN SIMULASI 6 TAHUN

59 X 71 X
655,200,000 OTR 457,950,000
262,864,226 TDP 253,582,233
8,850,000 Angsuran 5,000,000
KOMBINASI 1 Assuransi ALLRISK