Simulasi Pembayaran Pinjaman Kredit

Gaji Perbulan Frenky 4,800,000

Gaji Perbulan Kartika 2,700,000
Total Gaji 7,500,000

Persentase Batas Kredit 40% 1,920,000

Pengajuan Pinjaman 50,000,000

Pokok Per Bulan Anuitas 595,000

Bunga Per Bulan Anuitas 575,683
Cicilan Per Bulan 1,170,683.00

Gaji Setelah Pengurangan Kredit 6,329,317

Pengeluaran
Asuransi 3I CAR 350,000
Air Bulan 100,000
Listrik Bulan 150,000
Uang Belanja Dapur Bulan 2,000,000
Uang Kantong Frenky Bulan 500,000
Uang Kantong Tika Bulan 500,000
Uang Minyak (BBM) Bulan 500,000
Lain-lain Bulan 500,000
Sewa Rumah Bulan 1,000,000
Total Pengeluaran 5,600,000

Simpanan/ Jaga-Jaga Bulan 729,317

 Pokok Bunga
Flat 595,000.00 833,333.33
Efektif 595,000.00 833,333.33
Anuitas 595,000.00 575,683.00

10.68
1,428,333
1,428,333
1,170,683
Data Anda
Jumlah Pinjaman Rp 50,000,000.00
Lama Pinjaman 60 Bulan
5 Tahun
Bunga 1.19% Bulan
14.28% Tahun
Perhitungan Bunga Bunga Tetap (Flat)
Angsuran Anda
Angsuran per Bulan 833,333
Angsuran Bunga per Bulan 595,000
______________________ (+)
Total Angsuran per Bulan 1,428,333
Tabel Angsuran
Bulan Angsuran Bunga Angsuran Pokok Total Angsuran
0 - - -
1 595,000 833,333 1,428,333
2 595,000 833,333 1,428,333
3 595,000 833,333 1,428,333
4 595,000 833,333 1,428,333
5 595,000 833,333 1,428,333
6 595,000 833,333 1,428,333
7 595,000 833,333 1,428,333
8 595,000 833,333 1,428,333
9 595,000 833,333 1,428,333
10 595,000 833,333 1,428,333
11 595,000 833,333 1,428,333
12 595,000 833,333 1,428,333
13 595,000 833,333 1,428,333
14 595,000 833,333 1,428,333
15 595,000 833,333 1,428,333
16 595,000 833,333 1,428,333
17 595,000 833,333 1,428,333
18 595,000 833,333 1,428,333
19 595,000 833,333 1,428,333
20 595,000 833,333 1,428,333
21 595,000 833,333 1,428,333
22 595,000 833,333 1,428,333
23 595,000 833,333 1,428,333
24 595,000 833,333 1,428,333
25 595,000 833,333 1,428,333
26 595,000 833,333 1,428,333
27 595,000 833,333 1,428,333
28 595,000 833,333 1,428,333
 29 595,000 833,333 1,428,333
30 595,000 833,333 1,428,333
31 595,000 833,333 1,428,333
32 595,000 833,333 1,428,333
33 595,000 833,333 1,428,333
34 595,000 833,333 1,428,333
35 595,000 833,333 1,428,333
36 595,000 833,333 1,428,333
37 595,000 833,333 1,428,333
38 595,000 833,333 1,428,333
39 595,000 833,333 1,428,333
40 595,000 833,333 1,428,333
41 595,000 833,333 1,428,333
42 595,000 833,333 1,428,333
43 595,000 833,333 1,428,333
44 595,000 833,333 1,428,333
45 595,000 833,333 1,428,333
46 595,000 833,333 1,428,333
47 595,000 833,333 1,428,333
48 595,000 833,333 1,428,333
49 595,000 833,333 1,428,333
50 595,000 833,333 1,428,333
51 595,000 833,333 1,428,333
52 595,000 833,333 1,428,333
53 595,000 833,333 1,428,333
54 595,000 833,333 1,428,333
55 595,000 833,333 1,428,333
56 595,000 833,333 1,428,333
57 595,000 833,333 1,428,333
58 595,000 833,333 1,428,333
59 595,000 833,333 1,428,333
60 595,000 833,333 1,428,333
Total 35,700,000 50,000,000 85,700,000

Note:
Penghitungan dengan bunga flat akan menimbulkan kesan bahwa suku bunga rendah bila dibandingkan dengan
Perhitungan ini sifatnya simulasi belaka. Untuk lebih jelasnya silakan hubungi pemberi kredit.
 595,000

Sisa pinjaman Pokok Pinjaman Pokok Bunga Angsuran

50,000,000 50,000,000 833,333 500,000 1,333,333
49,166,667 49,166,667 833,333 491,667 1,325,000
48,333,333 48,333,333 833,334 483,333 1,316,668
47,500,000 47,499,999 833,335 475,000 1,308,335
46,666,667 46,666,664 833,336 466,667 1,300,003
45,833,333 45,833,327 833,337 458,333 1,291,671
45,000,000 44,999,990 833,338 450,000 1,283,338
44,166,667 44,166,652 833,339 441,667 1,275,006
43,333,333 43,333,312 833,340 433,333 1,266,673
42,500,000 42,499,972 833,341 425,000 1,258,341
41,666,667 41,666,631 833,342 416,666 1,250,009
40,833,333 40,833,288 833,343 408,333 1,241,676
40,000,000 39,999,945 833,344 399,999 1,233,344
39,166,667 39,166,601 833,345 391,666 1,225,011
38,333,333 38,333,255 833,346 383,333 1,216,679
37,500,000 37,499,909 833,347 374,999 1,208,346
36,666,667 36,666,562 833,348 366,666 1,200,014
35,833,333 35,833,213 833,349 358,332 1,191,681
35,000,000 34,999,864 833,350 349,999 1,183,349
34,166,667 34,166,514 833,351 341,665 1,175,016
33,333,333 33,333,162 833,352 333,332 1,166,684
32,500,000 32,499,810 833,353 324,998 1,158,351
31,666,667 31,666,457 833,354 316,665 1,150,019
30,833,333 30,833,102 833,355 308,331 1,141,686
30,000,000 29,999,747 833,356 299,997 1,133,354
29,166,667 29,166,391 833,357 291,664 1,125,021
28,333,333 28,333,033 833,358 283,330 1,116,689
27,500,000 27,499,675 833,359 274,997 1,108,356
26,666,667 26,666,316 833,360 266,663 1,100,023
 25,833,333 25,832,955 833,361 258,330 1,091,691
25,000,000 24,999,594 833,362 249,996 1,083,358
24,166,667 24,166,232 833,363 241,662 1,075,026
23,333,333 23,332,868 833,364 233,329 1,066,693
22,500,000 22,499,504 833,365 224,995 1,058,360
21,666,667 21,666,139 833,366 216,661 1,050,028
20,833,333 20,832,772 833,367 208,328 1,041,695
20,000,000 19,999,405 833,368 199,994 1,033,362
19,166,667 19,166,037 833,369 191,660 1,025,030
18,333,333 18,332,667 833,370 183,327 1,016,697
17,500,000 17,499,297 833,371 174,993 1,008,364
16,666,667 16,665,926 833,372 166,659 1,000,032
15,833,333 15,832,553 833,373 158,326 991,699
15,000,000 14,999,180 833,374 149,992 983,366
14,166,667 14,165,806 833,375 141,658 975,033
13,333,333 13,332,430 833,376 133,324 966,701
12,500,000 12,499,054 833,377 124,991 958,368
11,666,667 11,665,677 833,378 116,657 950,035
10,833,333 10,832,298 833,379 108,323 941,702
10,000,000 9,998,919 833,380 99,989 933,370
9,166,667 9,165,539 833,381 91,655 925,037
8,333,333 8,332,157 833,382 83,322 916,704
7,500,000 7,498,775 833,383 74,988 908,371
6,666,667 6,665,392 833,384 66,654 900,038
5,833,333 5,832,007 833,385 58,320 891,705
5,000,000 4,998,622 833,386 49,986 883,373
4,166,667 4,165,236 833,387 41,652 875,040
3,333,333 3,331,848 833,388 33,318 866,707
2,500,000 2,498,460 833,389 24,985 858,374
1,666,667 1,665,071 833,390 16,651 850,041
833,333 831,680 833,391 8,317 841,708
(0)
- ### Rp 65,251,386 Rp 50,001,711 Rp 15,249,675

ku bunga rendah bila dibandingkan dengan perhitungan bunga efektif.

n hubungi pemberi kredit.
Sisa Angsuran
49,166,667
48,333,333
47,499,999
46,666,664
45,833,327
44,999,990
44,166,652
43,333,312
42,499,972
41,666,631
40,833,288
39,999,945
39,166,601
38,333,255
37,499,909
36,666,562
35,833,213
34,999,864
34,166,514
33,333,162
32,499,810
31,666,457
30,833,102
29,999,747
29,166,391
28,333,033
27,499,675
26,666,316
25,832,955
24,999,594
24,166,232
23,332,868
22,499,504
21,666,139
20,832,772
19,999,405
19,166,037
18,332,667
17,499,297
16,665,926
15,832,553
14,999,180
14,165,806
13,332,430
12,499,054
11,665,677
10,832,298
9,998,919
9,165,539
8,332,157
7,498,775
6,665,392
5,832,007
4,998,622
4,165,236
3,331,848
2,498,460
1,665,071
831,680
(1,711)
Data Anda
Jumlah Pinjaman Rp 50,000,000.00
Lama Pinjaman 60 Bulan
5 Tahun
Bunga 1.19% Bulan
14.28% Tahun
Perhitungan Bunga Efektif
Tabel Angsuran

Bulan Angsuran Bunga Angsuran Pokok Total Angsuran

0 0 0 0
1 Rp 595,000.00 Rp 833,333.33 Rp 1,428,333.33
2 Rp 585,083.33 Rp 833,333.33 Rp 1,418,416.67
3 Rp 575,166.67 Rp 833,333.33 Rp 1,408,500.00
4 Rp 565,250.00 Rp 833,333.33 Rp 1,398,583.33
5 Rp 555,333.33 Rp 833,333.33 Rp 1,388,666.67
6 Rp 545,416.67 Rp 833,333.33 Rp 1,378,750.00
7 Rp 535,500.00 Rp 833,333.33 Rp 1,368,833.33
8 Rp 525,583.33 Rp 833,333.33 Rp 1,358,916.67
9 Rp 515,666.67 Rp 833,333.33 Rp 1,349,000.00
10 Rp 505,750.00 Rp 833,333.33 Rp 1,339,083.33
11 Rp 495,833.33 Rp 833,333.33 Rp 1,329,166.67
12 Rp 485,916.67 Rp 833,333.33 Rp 1,319,250.00
13 Rp 476,000.00 Rp 833,333.33 Rp 1,309,333.33
14 Rp 466,083.33 Rp 833,333.33 Rp 1,299,416.67
15 Rp 456,166.67 Rp 833,333.33 Rp 1,289,500.00
16 Rp 446,250.00 Rp 833,333.33 Rp 1,279,583.33
17 Rp 436,333.33 Rp 833,333.33 Rp 1,269,666.67
18 Rp 426,416.67 Rp 833,333.33 Rp 1,259,750.00
19 Rp 416,500.00 Rp 833,333.33 Rp 1,249,833.33
20 Rp 406,583.33 Rp 833,333.33 Rp 1,239,916.67
21 Rp 396,666.67 Rp 833,333.33 Rp 1,230,000.00
22 Rp 386,750.00 Rp 833,333.33 Rp 1,220,083.33
23 Rp 376,833.33 Rp 833,333.33 Rp 1,210,166.67
24 Rp 366,916.67 Rp 833,333.33 Rp 1,200,250.00
25 Rp 357,000.00 Rp 833,333.33 Rp 1,190,333.33
26 Rp 347,083.33 Rp 833,333.33 Rp 1,180,416.67
27 Rp 337,166.67 Rp 833,333.33 Rp 1,170,500.00
28 Rp 327,250.00 Rp 833,333.33 Rp 1,160,583.33
29 Rp 317,333.33 Rp 833,333.33 Rp 1,150,666.67
30 Rp 307,416.67 Rp 833,333.33 Rp 1,140,750.00
31 Rp 297,500.00 Rp 833,333.33 Rp 1,130,833.33
 32 Rp 287,583.33 Rp 833,333.33 Rp 1,120,916.67
33 Rp 277,666.67 Rp 833,333.33 Rp 1,111,000.00
34 Rp 267,750.00 Rp 833,333.33 Rp 1,101,083.33
35 Rp 257,833.33 Rp 833,333.33 Rp 1,091,166.67
36 Rp 247,916.67 Rp 833,333.33 Rp 1,081,250.00
37 Rp 238,000.00 Rp 833,333.33 Rp 1,071,333.33
38 Rp 228,083.33 Rp 833,333.33 Rp 1,061,416.67
39 Rp 218,166.67 Rp 833,333.33 Rp 1,051,500.00
40 Rp 208,250.00 Rp 833,333.33 Rp 1,041,583.33
41 Rp 198,333.33 Rp 833,333.33 Rp 1,031,666.67
42 Rp 188,416.67 Rp 833,333.33 Rp 1,021,750.00
43 Rp 178,500.00 Rp 833,333.33 Rp 1,011,833.33
44 Rp 168,583.33 Rp 833,333.33 Rp 1,001,916.67
45 Rp 158,666.67 Rp 833,333.33 Rp 992,000.00
46 Rp 148,750.00 Rp 833,333.33 Rp 982,083.33
47 Rp 138,833.33 Rp 833,333.33 Rp 972,166.67
48 Rp 128,916.67 Rp 833,333.33 Rp 962,250.00
49 Rp 119,000.00 Rp 833,333.33 Rp 952,333.33
50 Rp 109,083.33 Rp 833,333.33 Rp 942,416.67
51 Rp 99,166.67 Rp 833,333.33 Rp 932,500.00
52 Rp 89,250.00 Rp 833,333.33 Rp 922,583.33
53 Rp 79,333.33 Rp 833,333.33 Rp 912,666.67
54 Rp 69,416.67 Rp 833,333.33 Rp 902,750.00
55 Rp 59,500.00 Rp 833,333.33 Rp 892,833.33
56 Rp 49,583.33 Rp 833,333.33 Rp 882,916.67
57 Rp 39,666.67 Rp 833,333.33 Rp 873,000.00
58 Rp 29,750.00 Rp 833,333.33 Rp 863,083.33
59 Rp 19,833.33 Rp 833,333.33 Rp 853,166.67
60 Rp 9,916.67 Rp 833,333.33 Rp 843,250.00
Total Rp 18,147,500.00 Rp 50,000,000.00 Rp 68,147,500.00

Note:
Jika anda membandingkan bunga pinjaman antar bank, pastikan jenis bunga yang dipakai, apakah bunga efektif, flat a
Perhitungan ini sifatnya simulasi belaka. Untuk lebih jelasnya silakan hubungi pemberi kredit.
Sisa pinjaman
Rp 50,000,000.00 Rp 595,000.00
Rp 49,166,666.67 Rp 585,083.33
Rp 48,333,333.33
Rp 47,500,000.00
Rp 46,666,666.67
Rp 45,833,333.33
Rp 45,000,000.00
Rp 44,166,666.67
Rp 43,333,333.33
Rp 42,500,000.00
Rp 41,666,666.67
Rp 40,833,333.33
Rp 40,000,000.00
Rp 39,166,666.67
Rp 38,333,333.33
Rp 37,500,000.00
Rp 36,666,666.67
Rp 35,833,333.33
Rp 35,000,000.00
Rp 34,166,666.67
Rp 33,333,333.33
Rp 32,500,000.00
Rp 31,666,666.67
Rp 30,833,333.33
Rp 30,000,000.00
Rp 29,166,666.67
Rp 28,333,333.33
Rp 27,500,000.00
Rp 26,666,666.67
Rp 25,833,333.33
Rp 25,000,000.00
Rp 24,166,666.67
 Rp 23,333,333.33
Rp 22,500,000.00
Rp 21,666,666.67
Rp 20,833,333.33
Rp 20,000,000.00
Rp 19,166,666.67
Rp 18,333,333.33
Rp 17,500,000.00
Rp 16,666,666.67
Rp 15,833,333.33
Rp 15,000,000.00
Rp 14,166,666.67
Rp 13,333,333.33
Rp 12,500,000.00
Rp 11,666,666.67
Rp 10,833,333.33
Rp 10,000,000.00
Rp 9,166,666.67
Rp 8,333,333.33
Rp 7,500,000.00
Rp 6,666,666.67
Rp 5,833,333.33
Rp 5,000,000.00
Rp 4,166,666.67
Rp 3,333,333.33
Rp 2,500,000.00
Rp 1,666,666.67
Rp 833,333.33
-Rp 0.00
Rp - 36.295

a yang dipakai, apakah bunga efektif, flat atau anuitas.

ungi pemberi kredit.
Data Anda
Jumlah Pinjaman Rp 50,000,000.00
Lama Pinjaman 60 Bulan
5 Tahun
Bunga 1.19% Bulan
14.28% Tahun
Perhitungan Bunga Anuitas

Angsuran Anda
Angsuran per Bulan Rp 1.170.683,40

Tabel Angsuran

Bulan Angsuran Bunga Angsuran Pokok Total Angsuran

0 Rp - Rp - Rp -
1 Rp 595,000.00 Rp 575,683.00 Rp 1,170,683.00
2 Rp 588,149.37 Rp 582,534.03 Rp 1,170,683.40
3 Rp 581,217.21 Rp 589,466.18 Rp 1,170,683.39
4 Rp 574,202.57 Rp 596,480.83 Rp 1,170,683.40
5 Rp 567,104.44 Rp 603,578.95 Rp 1,170,683.39
6 Rp 559,921.85 Rp 610,761.54 Rp 1,170,683.39
7 Rp 552,653.79 Rp 618,029.61 Rp 1,170,683.40
8 Rp 545,299.24 Rp 625,384.16 Rp 1,170,683.40
9 Rp 537,857.17 Rp 632,826.23 Rp 1,170,683.40
10 Rp 530,326.54 Rp 640,356.86 Rp 1,170,683.40
11 Rp 522,706.29 Rp 647,977.11 Rp 1,170,683.40
12 Rp 514,995.36 Rp 655,688.04 Rp 1,170,683.40
13 Rp 507,192.67 Rp 663,490.72 Rp 1,170,683.39
14 Rp 499,297.13 Rp 671,386.26 Rp 1,170,683.39
15 Rp 491,307.64 Rp 679,375.76 Rp 1,170,683.40
16 Rp 483,223.07 Rp 687,460.33 Rp 1,170,683.40
17 Rp 475,042.29 Rp 695,641.11 Rp 1,170,683.40
18 Rp 466,764.16 Rp 703,919.24 Rp 1,170,683.40
19 Rp 458,387.52 Rp 712,295.88 Rp 1,170,683.40
20 Rp 449,911.20 Rp 720,772.20 Rp 1,170,683.40
21 Rp 441,334.01 Rp 729,349.39 Rp 1,170,683.40
22 Rp 432,654.75 Rp 738,028.65 Rp 1,170,683.40
23 Rp 423,872.21 Rp 746,811.19 Rp 1,170,683.40
24 Rp 414,985.16 Rp 755,698.24 Rp 1,170,683.40
25 Rp 405,992.35 Rp 764,691.05 Rp 1,170,683.40
26 Rp 396,892.53 Rp 773,790.87 Rp 1,170,683.40
27 Rp 387,684.41 Rp 782,998.98 Rp 1,170,683.39
 28 Rp 378,366.73 Rp 792,316.67 Rp 1,170,683.40
29 Rp 368,938.16 Rp 801,745.24 Rp 1,170,683.40
30 Rp 359,397.39 Rp 811,286.01 Rp 1,170,683.40
31 Rp 349,743.09 Rp 820,940.31 Rp 1,170,683.40
32 Rp 339,973.90 Rp 830,709.50 Rp 1,170,683.40
33 Rp 330,088.45 Rp 840,594.94 Rp 1,170,683.39
34 Rp 320,085.37 Rp 850,598.02 Rp 1,170,683.39
35 Rp 309,963.26 Rp 860,720.14 Rp 1,170,683.40
36 Rp 299,720.69 Rp 870,962.71 Rp 1,170,683.40
37 Rp 289,356.23 Rp 881,327.17 Rp 1,170,683.40
38 Rp 278,868.44 Rp 891,814.96 Rp 1,170,683.40
39 Rp 268,255.84 Rp 902,427.56 Rp 1,170,683.40
40 Rp 257,516.95 Rp 913,166.45 Rp 1,170,683.40
41 Rp 246,650.27 Rp 924,033.13 Rp 1,170,683.40
42 Rp 235,654.28 Rp 935,029.12 Rp 1,170,683.40
43 Rp 224,527.43 Rp 946,155.97 Rp 1,170,683.40
44 Rp 213,268.17 Rp 957,415.22 Rp 1,170,683.39
45 Rp 201,874.93 Rp 968,808.46 Rp 1,170,683.39
46 Rp 190,346.11 Rp 980,337.29 Rp 1,170,683.40
47 Rp 178,680.10 Rp 992,003.30 Rp 1,170,683.40
48 Rp 166,875.26 Rp 1,003,808.14 Rp 1,170,683.40
49 Rp 154,929.94 Rp 1,015,753.46 Rp 1,170,683.40
50 Rp 142,842.48 Rp 1,027,840.92 Rp 1,170,683.40
51 Rp 130,611.17 Rp 1,040,072.23 Rp 1,170,683.40
52 Rp 118,234.31 Rp 1,052,449.09 Rp 1,170,683.40
53 Rp 105,710.17 Rp 1,064,973.23 Rp 1,170,683.40
54 Rp 93,036.98 Rp 1,077,646.41 Rp 1,170,683.39
55 Rp 80,212.99 Rp 1,090,470.41 Rp 1,170,683.40
56 Rp 67,236.39 Rp 1,103,447.00 Rp 1,170,683.39
57 Rp 54,105.37 Rp 1,116,578.02 Rp 1,170,683.39
58 Rp 40,818.10 Rp 1,129,865.30 Rp 1,170,683.40
59 Rp 27,372.70 Rp 1,143,310.70 Rp 1,170,683.40
60 Rp 13,767.30 Rp 1,156,916.10 Rp 1,170,683.40
Total Rp 20,241,003.85 Rp 50,000,000.00 Rp 70,241,003.85

Note:
Bila anda ingin mengambil kredit, pastikan cara penghitungan kreditnya. Walaupun suku bunganya sama, n
Perhitungan ini sifatnya simulasi belaka. Untuk lebih jelasnya silakan hubungi pemberi kredit.
Sisa pinjaman
Rp 50,000,000.00
Rp 49,424,317.00
Rp 48,841,782.97
Rp 48,252,316.79
Rp 47,655,835.96
Rp 47,052,257.01
Rp 46,441,495.47
Rp 45,823,465.86
Rp 45,198,081.70
Rp 44,565,255.47
Rp 43,924,898.61
Rp 43,276,921.50
Rp 42,621,233.46
Rp 41,957,742.74
Rp 41,286,356.48
Rp 40,606,980.72
Rp 39,919,520.39
Rp 39,223,879.28
Rp 38,519,960.04
Rp 37,807,664.16
Rp 37,086,891.96
Rp 36,357,542.57
Rp 35,619,513.92
Rp 34,872,702.73
Rp 34,117,004.49
Rp 33,352,313.44
Rp 32,578,522.57
Rp 31,795,523.59
 Rp 31,003,206.92
Rp 30,201,461.68
Rp 29,390,175.67
Rp 28,569,235.36
Rp 27,738,525.86
Rp 26,897,930.92
Rp 26,047,332.90
Rp 25,186,612.76
Rp 24,315,650.05
Rp 23,434,322.88
Rp 22,542,507.92
Rp 21,640,080.36
Rp 20,726,913.91
Rp 19,802,880.78
Rp 18,867,851.66
Rp 17,921,695.69
Rp 16,964,280.47
Rp 15,995,472.01
Rp 15,015,134.72
Rp 14,023,131.42
Rp 13,019,323.28
Rp 12,003,569.82
Rp 10,975,728.90
Rp 9,935,656.67
Rp 8,883,207.58
Rp 7,818,234.35
Rp 6,740,587.94
Rp 5,650,117.53
Rp 4,546,670.53
Rp 3,430,092.51
Rp 2,300,227.21
Rp 1,156,916.51
Rp 0.41
Rp - 40.4820077 750,000

nya. Walaupun suku bunganya sama, namun cara penghitungannya berbeda akan mengakibatkan jumlah angsuran per bulan berb
an hubungi pemberi kredit.
mlah angsuran per bulan berbeda.