SIMULASI PERHITUNGAN KPR

Hasil simulasi berikut hanya berupa estimasi. Untuk perhitungan KPR yang lebih detail, mohon konsultasikan dengan Konsultan KPR kami.

RINGKASAN SIMULASI

KPR Fixed Income Primary 8.99% Fixed 5 Tahun

Angsuran Tahun 1-5 Rp3.611.205/bln

Bunga 8,99% fixed

Angsuran Tahun 6-15 Rp4.342.809/bln

Bunga 13,50% floating

Tenor Angsuran 15 Tahun

Uang Muka Rp18.750.000

Plafon Kredit Rp356.250.000

Estimasi Total Anggaran untuk KPR Rp795.356.255

Total angsuran + Biaya Akad

RINCIAN ESTIMASI BIAYA AKAD

Biaya Provisi Rp2.671.875

Biaya Administrasi Kredit Rp500.000
Biaya Asuransi Rp10.687.500
Biaya Notaris Rp7.125.000
Bea Perolehan Hak atas Tanah dan Bangunan (BPHTB) & Balik Nama Rp17.812.500

Total Estimasi Biaya Akad Rp38.796.875

(4,88% dari total anggaran)

TABEL ANGSURAN

Bulan Angsuran Porsi Pokok Porsi Bunga Sisa Pinjaman Bunga

1 Rp3.611.205 Rp942.299 Rp2.668.906 Rp355.307.700 8,99%

2 Rp3.611.205 Rp949.358 Rp2.661.846 Rp354.358.341 8,99%

3 Rp3.611.205 Rp956.471 Rp2.654.734 Rp353.401.870 8,99%

4 Rp3.611.205 Rp963.636 Rp2.647.569 Rp352.438.233 8,99%

5 Rp3.611.205 Rp970.855 Rp2.640.349 Rp351.467.377 8,99%

6 Rp3.611.205 Rp978.129 Rp2.633.076 Rp350.489.248 8,99%

7 Rp3.611.205 Rp985.457 Rp2.625.748 Rp349.503.791 8,99%

8 Rp3.611.205 Rp992.839 Rp2.618.365 Rp348.510.951 8,99%

9 Rp3.611.205 Rp1.000.277 Rp2.610.927 Rp347.510.673 8,99%

10 Rp3.611.205 Rp1.007.771 Rp2.603.434 Rp346.502.901 8,99%

11 Rp3.611.205 Rp1.015.321 Rp2.595.884 Rp345.487.580 8,99%

12 Rp3.611.205 Rp1.022.927 Rp2.588.277 Rp344.464.652 8,99%

13 Rp3.611.205 Rp1.030.591 Rp2.580.614 Rp343.434.061 8,99%

14 Rp3.611.205 Rp1.038.312 Rp2.572.893 Rp342.395.748 8,99%

15 Rp3.611.205 Rp1.046.090 Rp2.565.114 Rp341.349.657 8,99%

16 Rp3.611.205 Rp1.053.927 Rp2.557.277 Rp340.295.729 8,99%

17 Rp3.611.205 Rp1.061.823 Rp2.549.382 Rp339.233.906 8,99%

18 Rp3.611.205 Rp1.069.778 Rp2.541.427 Rp338.164.127 8,99%

19 Rp3.611.205 Rp1.077.792 Rp2.533.412 Rp337.086.335 8,99%

20 Rp3.611.205 Rp1.085.867 Rp2.525.338 Rp336.000.467 8,99%

21 Rp3.611.205 Rp1.094.002 Rp2.517.203 Rp334.906.465 8,99%

22 Rp3.611.205 Rp1.102.198 Rp2.509.007 Rp333.804.267 8,99%

23 Rp3.611.205 Rp1.110.455 Rp2.500.750 Rp332.693.811 8,99%

24 Rp3.611.205 Rp1.118.774 Rp2.492.431 Rp331.575.037 8,99%

25 Rp3.611.205 Rp1.127.156 Rp2.484.049 Rp330.447.881 8,99%

26 Rp3.611.205 Rp1.135.600 Rp2.475.605 Rp329.312.280 8,99%

27 Rp3.611.205 Rp1.144.107 Rp2.467.097 Rp328.168.172 8,99%

28 Rp3.611.205 Rp1.152.679 Rp2.458.526 Rp327.015.493 8,99%

29 Rp3.611.205 Rp1.161.314 Rp2.449.891 Rp325.854.179 8,99%

30 Rp3.611.205 Rp1.170.014 Rp2.441.190 Rp324.684.164 8,99%

31 Rp3.611.205 Rp1.178.780 Rp2.432.425 Rp323.505.384 8,99%

32 Rp3.611.205 Rp1.187.611 Rp2.423.594 Rp322.317.772 8,99%

33 Rp3.611.205 Rp1.196.508 Rp2.414.697 Rp321.121.264 8,99%

34 Rp3.611.205 Rp1.205.472 Rp2.405.733 Rp319.915.792 8,99%

35 Rp3.611.205 Rp1.214.503 Rp2.396.702 Rp318.701.288 8,99%

36 Rp3.611.205 Rp1.223.601 Rp2.387.603 Rp317.477.686 8,99%

37 Rp3.611.205 Rp1.232.768 Rp2.378.437 Rp316.244.918 8,99%

38 Rp3.611.205 Rp1.242.004 Rp2.369.201 Rp315.002.913 8,99%

39 Rp3.611.205 Rp1.251.308 Rp2.359.896 Rp313.751.604 8,99%

40 Rp3.611.205 Rp1.260.683 Rp2.350.522 Rp312.490.921 8,99%

41 Rp3.611.205 Rp1.270.127 Rp2.341.077 Rp311.220.793 8,99%

42 Rp3.611.205 Rp1.279.643 Rp2.331.562 Rp309.941.150 8,99%

43 Rp3.611.205 Rp1.289.229 Rp2.321.975 Rp308.651.920 8,99%

44 Rp3.611.205 Rp1.298.888 Rp2.312.317 Rp307.353.031 8,99%

45 Rp3.611.205 Rp1.308.619 Rp2.302.586 Rp306.044.412 8,99%

46 Rp3.611.205 Rp1.318.423 Rp2.292.782 Rp304.725.989 8,99%

47 Rp3.611.205 Rp1.328.300 Rp2.282.905 Rp303.397.689 8,99%

48 Rp3.611.205 Rp1.338.251 Rp2.272.954 Rp302.059.438 8,99%

49 Rp3.611.205 Rp1.348.277 Rp2.262.928 Rp300.711.160 8,99%

50 Rp3.611.205 Rp1.358.377 Rp2.252.827 Rp299.352.782 8,99%

51 Rp3.611.205 Rp1.368.554 Rp2.242.651 Rp297.984.228 8,99%

52 Rp3.611.205 Rp1.378.807 Rp2.232.398 Rp296.605.421 8,99%

53 Rp3.611.205 Rp1.389.136 Rp2.222.068 Rp295.216.284 8,99%

54 Rp3.611.205 Rp1.399.543 Rp2.211.661 Rp293.816.740 8,99%

55 Rp3.611.205 Rp1.410.028 Rp2.201.177 Rp292.406.711 8,99%

56 Rp3.611.205 Rp1.420.592 Rp2.190.613 Rp290.986.119 8,99%

57 Rp3.611.205 Rp1.431.234 Rp2.179.971 Rp289.554.885 8,99%

58 Rp3.611.205 Rp1.441.957 Rp2.169.248 Rp288.112.928 8,99%

59 Rp3.611.205 Rp1.452.759 Rp2.158.446 Rp286.660.168 8,99%

60 Rp3.611.205 Rp1.463.643 Rp2.147.562 Rp285.196.524 8,99%

61 Rp4.342.809 Rp1.134.348 Rp3.208.460 Rp284.062.176 13,50%

62 Rp4.342.809 Rp1.147.110 Rp3.195.699 Rp282.915.065 13,50%

63 Rp4.342.809 Rp1.160.015 Rp3.182.794 Rp281.755.050 13,50%

64 Rp4.342.809 Rp1.173.065 Rp3.169.744 Rp280.581.984 13,50%

65 Rp4.342.809 Rp1.186.262 Rp3.156.547 Rp279.395.722 13,50%

66 Rp4.342.809 Rp1.199.607 Rp3.143.201 Rp278.196.114 13,50%

67 Rp4.342.809 Rp1.213.103 Rp3.129.706 Rp276.983.010 13,50%

68 Rp4.342.809 Rp1.226.750 Rp3.116.058 Rp275.756.260 13,50%

69 Rp4.342.809 Rp1.240.551 Rp3.102.257 Rp274.515.708 13,50%

70 Rp4.342.809 Rp1.254.508 Rp3.088.301 Rp273.261.200 13,50%

71 Rp4.342.809 Rp1.268.621 Rp3.074.188 Rp271.992.578 13,50%

72 Rp4.342.809 Rp1.282.893 Rp3.059.916 Rp270.709.685 13,50%

73 Rp4.342.809 Rp1.297.325 Rp3.045.483 Rp269.412.359 13,50%

74 Rp4.342.809 Rp1.311.920 Rp3.030.889 Rp268.100.438 13,50%

75 Rp4.342.809 Rp1.326.679 Rp3.016.129 Rp266.773.758 13,50%

76 Rp4.342.809 Rp1.341.605 Rp3.001.204 Rp265.432.153 13,50%

77 Rp4.342.809 Rp1.356.698 Rp2.986.111 Rp264.075.455 13,50%

78 Rp4.342.809 Rp1.371.960 Rp2.970.848 Rp262.703.494 13,50%

79 Rp4.342.809 Rp1.387.395 Rp2.955.414 Rp261.316.099 13,50%

80 Rp4.342.809 Rp1.403.003 Rp2.939.806 Rp259.913.095 13,50%

81 Rp4.342.809 Rp1.418.787 Rp2.924.022 Rp258.494.308 13,50%

82 Rp4.342.809 Rp1.434.748 Rp2.908.060 Rp257.059.559 13,50%

83 Rp4.342.809 Rp1.450.889 Rp2.891.920 Rp255.608.669 13,50%

84 Rp4.342.809 Rp1.467.212 Rp2.875.597 Rp254.141.457 13,50%

85 Rp4.342.809 Rp1.483.718 Rp2.859.091 Rp252.657.738 13,50%

86 Rp4.342.809 Rp1.500.410 Rp2.842.399 Rp251.157.328 13,50%

87 Rp4.342.809 Rp1.517.289 Rp2.825.519 Rp249.640.038 13,50%

88 Rp4.342.809 Rp1.534.359 Rp2.808.450 Rp248.105.679 13,50%

89 Rp4.342.809 Rp1.551.620 Rp2.791.188 Rp246.554.058 13,50%

90 Rp4.342.809 Rp1.569.076 Rp2.773.733 Rp244.984.981 13,50%

91 Rp4.342.809 Rp1.586.728 Rp2.756.081 Rp243.398.253 13,50%

92 Rp4.342.809 Rp1.604.579 Rp2.738.230 Rp241.793.673 13,50%

93 Rp4.342.809 Rp1.622.630 Rp2.720.178 Rp240.171.042 13,50%

94 Rp4.342.809 Rp1.640.885 Rp2.701.924 Rp238.530.157 13,50%

95 Rp4.342.809 Rp1.659.345 Rp2.683.464 Rp236.870.811 13,50%

96 Rp4.342.809 Rp1.678.013 Rp2.664.796 Rp235.192.798 13,50%

97 Rp4.342.809 Rp1.696.890 Rp2.645.918 Rp233.495.907 13,50%

98 Rp4.342.809 Rp1.715.980 Rp2.626.828 Rp231.779.926 13,50%

99 Rp4.342.809 Rp1.735.285 Rp2.607.524 Rp230.044.641 13,50%

100 Rp4.342.809 Rp1.754.807 Rp2.588.002 Rp228.289.833 13,50%

101 Rp4.342.809 Rp1.774.549 Rp2.568.260 Rp226.515.284 13,50%

102 Rp4.342.809 Rp1.794.512 Rp2.548.296 Rp224.720.771 13,50%

103 Rp4.342.809 Rp1.814.701 Rp2.528.108 Rp222.906.070 13,50%

104 Rp4.342.809 Rp1.835.116 Rp2.507.693 Rp221.070.953 13,50%

105 Rp4.342.809 Rp1.855.761 Rp2.487.048 Rp219.215.192 13,50%

106 Rp4.342.809 Rp1.876.638 Rp2.466.170 Rp217.338.553 13,50%

107 Rp4.342.809 Rp1.897.751 Rp2.445.058 Rp215.440.802 13,50%

108 Rp4.342.809 Rp1.919.100 Rp2.423.709 Rp213.521.701 13,50%

109 Rp4.342.809 Rp1.940.690 Rp2.402.119 Rp211.581.010 13,50%

110 Rp4.342.809 Rp1.962.523 Rp2.380.286 Rp209.618.487 13,50%

111 Rp4.342.809 Rp1.984.601 Rp2.358.207 Rp207.633.885 13,50%

112 Rp4.342.809 Rp2.006.928 Rp2.335.881 Rp205.626.956 13,50%

113 Rp4.342.809 Rp2.029.506 Rp2.313.303 Rp203.597.450 13,50%

114 Rp4.342.809 Rp2.052.338 Rp2.290.471 Rp201.545.111 13,50%

115 Rp4.342.809 Rp2.075.427 Rp2.267.382 Rp199.469.684 13,50%

116 Rp4.342.809 Rp2.098.775 Rp2.244.033 Rp197.370.908 13,50%

117 Rp4.342.809 Rp2.122.387 Rp2.220.422 Rp195.248.521 13,50%

118 Rp4.342.809 Rp2.146.263 Rp2.196.545 Rp193.102.257 13,50%

119 Rp4.342.809 Rp2.170.409 Rp2.172.400 Rp190.931.848 13,50%

120 Rp4.342.809 Rp2.194.826 Rp2.147.983 Rp188.737.021 13,50%

121 Rp4.342.809 Rp2.219.518 Rp2.123.291 Rp186.517.503 13,50%

122 Rp4.342.809 Rp2.244.487 Rp2.098.321 Rp184.273.015 13,50%

123 Rp4.342.809 Rp2.269.738 Rp2.073.071 Rp182.003.277 13,50%

124 Rp4.342.809 Rp2.295.272 Rp2.047.536 Rp179.708.004 13,50%

125 Rp4.342.809 Rp2.321.094 Rp2.021.715 Rp177.386.909 13,50%

126 Rp4.342.809 Rp2.347.207 Rp1.995.602 Rp175.039.702 13,50%

127 Rp4.342.809 Rp2.373.613 Rp1.969.196 Rp172.666.089 13,50%

128 Rp4.342.809 Rp2.400.316 Rp1.942.493 Rp170.265.772 13,50%

129 Rp4.342.809 Rp2.427.319 Rp1.915.489 Rp167.838.453 13,50%

130 Rp4.342.809 Rp2.454.627 Rp1.888.182 Rp165.383.825 13,50%

131 Rp4.342.809 Rp2.482.241 Rp1.860.568 Rp162.901.584 13,50%

132 Rp4.342.809 Rp2.510.166 Rp1.832.642 Rp160.391.417 13,50%

133 Rp4.342.809 Rp2.538.406 Rp1.804.403 Rp157.853.010 13,50%

134 Rp4.342.809 Rp2.566.963 Rp1.775.846 Rp155.286.047 13,50%

135 Rp4.342.809 Rp2.595.841 Rp1.746.968 Rp152.690.205 13,50%

136 Rp4.342.809 Rp2.625.044 Rp1.717.764 Rp150.065.160 13,50%

137 Rp4.342.809 Rp2.654.576 Rp1.688.233 Rp147.410.583 13,50%

138 Rp4.342.809 Rp2.684.440 Rp1.658.369 Rp144.726.143 13,50%

139 Rp4.342.809 Rp2.714.640 Rp1.628.169 Rp142.011.502 13,50%

140 Rp4.342.809 Rp2.745.180 Rp1.597.629 Rp139.266.321 13,50%

141 Rp4.342.809 Rp2.776.063 Rp1.566.746 Rp136.490.258 13,50%

142 Rp4.342.809 Rp2.807.294 Rp1.535.515 Rp133.682.963 13,50%

143 Rp4.342.809 Rp2.838.876 Rp1.503.933 Rp130.844.087 13,50%

144 Rp4.342.809 Rp2.870.813 Rp1.471.995 Rp127.973.273 13,50%

145 Rp4.342.809 Rp2.903.110 Rp1.439.699 Rp125.070.163 13,50%

146 Rp4.342.809 Rp2.935.770 Rp1.407.039 Rp122.134.392 13,50%

147 Rp4.342.809 Rp2.968.797 Rp1.374.011 Rp119.165.594 13,50%

148 Rp4.342.809 Rp3.002.196 Rp1.340.612 Rp116.163.397 13,50%

149 Rp4.342.809 Rp3.035.971 Rp1.306.838 Rp113.127.426 13,50%

150 Rp4.342.809 Rp3.070.126 Rp1.272.683 Rp110.057.300 13,50%

151 Rp4.342.809 Rp3.104.665 Rp1.238.144 Rp106.952.634 13,50%

152 Rp4.342.809 Rp3.139.592 Rp1.203.217 Rp103.813.042 13,50%

153 Rp4.342.809 Rp3.174.913 Rp1.167.896 Rp100.638.129 13,50%

154 Rp4.342.809 Rp3.210.630 Rp1.132.178 Rp97.427.498 13,50%

155 Rp4.342.809 Rp3.246.750 Rp1.096.059 Rp94.180.747 13,50%

156 Rp4.342.809 Rp3.283.276 Rp1.059.533 Rp90.897.471 13,50%

157 Rp4.342.809 Rp3.320.213 Rp1.022.596 Rp87.577.258 13,50%

158 Rp4.342.809 Rp3.357.565 Rp985.244 Rp84.219.692 13,50%

159 Rp4.342.809 Rp3.395.338 Rp947.471 Rp80.824.354 13,50%

160 Rp4.342.809 Rp3.433.535 Rp909.273 Rp77.390.818 13,50%

161 Rp4.342.809 Rp3.472.163 Rp870.646 Rp73.918.655 13,50%

162 Rp4.342.809 Rp3.511.224 Rp831.584 Rp70.407.430 13,50%

163 Rp4.342.809 Rp3.550.726 Rp792.083 Rp66.856.704 13,50%

164 Rp4.342.809 Rp3.590.671 Rp752.137 Rp63.266.032 13,50%

165 Rp4.342.809 Rp3.631.066 Rp711.742 Rp59.634.965 13,50%

166 Rp4.342.809 Rp3.671.916 Rp670.893 Rp55.963.048 13,50%

167 Rp4.342.809 Rp3.713.225 Rp629.584 Rp52.249.823 13,50%

168 Rp4.342.809 Rp3.754.999 Rp587.810 Rp48.494.824 13,50%

169 Rp4.342.809 Rp3.797.243 Rp545.566 Rp44.697.580 13,50%

170 Rp4.342.809 Rp3.839.962 Rp502.847 Rp40.857.618 13,50%

171 Rp4.342.809 Rp3.883.161 Rp459.648 Rp36.974.457 13,50%

172 Rp4.342.809 Rp3.926.847 Rp415.962 Rp33.047.610 13,50%

173 Rp4.342.809 Rp3.971.024 Rp371.785 Rp29.076.585 13,50%

174 Rp4.342.809 Rp4.015.698 Rp327.111 Rp25.060.887 13,50%

175 Rp4.342.809 Rp4.060.874 Rp281.934 Rp21.000.012 13,50%

176 Rp4.342.809 Rp4.106.559 Rp236.250 Rp16.893.453 13,50%

177 Rp4.342.809 Rp4.152.758 Rp190.051 Rp12.740.694 13,50%

178 Rp4.342.809 Rp4.199.476 Rp143.332 Rp8.541.217 13,50%

179 Rp4.342.809 Rp4.246.721 Rp96.088 Rp4.294.496 13,50%

180 Rp4.342.809 Rp4.294.496 Rp48.313 Rp0 13,50%

Total Rp737.809.380 Rp356.249.903 Rp381.559.427

KETERANGAN

Angsuran selama masa fixed adalah besar cicilan per bulan yang harus dibayarkan selama masa fixed dengan bunga fixed sesuai ketentuan dari bank dan program
KPR/KPA.
Angsuran setelah masa fixed adalah besar cicilan per bulan yang harus dibayarkan setelah masa fixed dengan bunga floating berdasarkan SBI ditambah 6,5%
(estimasi 13,5%).
Biaya Provisi adalah komponen biaya yang dikenakan pihak Bank setelah pengajuan kreditnya disetujui oleh Bank yang dibebankan kepada debitur.
Biaya Administrasi Kredit adalah biaya layanan yang dikenakan pihak Bank setelah pengajuan kreditnya disetujui oleh Bank yang dibebankan kepada debitur.
Biaya Asuransi Jiwa adalah premi yang dikenakan kepada debitur untuk mengcover nilai pinjaman yang diajukan ke bank, besarnya premi akan mengacu ke masing-
masing perusahaan asuransi rekanan bank.
Biaya Asuransi Kebakaran adalah premi yang dikenakan kepada debitur untuk mengcover bangunan dari jaminan yang diagunkan ke bank apabila terjadi kebakaran,
besarnya premi akan mengacu ke masing-masing perusahaan asuransi rekanan bank.
Biaya Notaris adalah biaya yang dikenakan oleh notaris atas jasa terkait pengajuan KPR dan pengurusan jaminan.
Biaya Taksasi adalah biaya yang dikenakan oleh bank dan atau lembaga penilai yang ditunjuk atas jasa yang diberikan dalam menilai jenis jaminan tertentu.
Bea Perolehan Hak atas Tanah dan Bangunan (BPHTB) & Balik Nama adalah pajak yang dikenakan atas perolehan hak tanah dan atau bangunan oleh orang pribadi
atau badan hukum.