KOMBINASI OJK
KATEGORI 1TH 2TH 3TH 4TH 5TH 6TH 7TH
KOMBINASI (0 – 125 JUTA) 4.29% 4.76% 5.23% 5.70% 6.17%
KOMBINASI (>125 – 200 JUTA) 3.30% 3.93% 4.56% 5.19% 5.82%
KOMBINASI (>200 – 400 JUTA) 2.59% 3.00% 3.41% 3.82% 4.23%
KOMBINASI (>400 – 800 JUTA) 1.45% 1.70% 1.95% 2.20% 2.45%
KOMBINASI (>800 JUTA) 1.40% 1.64% 1.88% 2.12% 2.36%
PH : 221,840,000 138,650,000
BUNGA : 0.00% - 0.00% -
TOTAL PINJAMAN : 221,840,000 138,650,000
PEMBAYARAN PERTAMA
DP : 55,460,000 138,650,000
ANG I : 36,974,000 11,555,000
ADM + FIDUSIA : 4,000,000 5,000,000
ASURANSI : 3.000% 8,319,000 3.000% 8,319,000
PROVISI : 1.00% 2,218,400 1.00% 1,386,500
Page 2
1 Tahun
REGULER
OTR : 277,300,000
DP : 25.00% 69,325,000
TENOR : 12
PH : 207,975,000
ADM KREDIT :
PH + AK : 207,975,000
PROVISI KREDIT : 5.00% 10,398,750
PH + AK + PK : 218,373,750
BUNGA : 2.38% 5,197,295
TOTAL PINJAMAN : 223,571,045
TENOR/ANG/BLN : 12 18,631,000
PEMBAYARAN PERTAMA
DP : 69,325,000
ANG I : 18,631,000
TJH : 100,000
ADM + FIDUSIA : 3,000,000
ASURANSI : 2.180% 6,045,140
ASURANSI JIWA : 0.55% 1,201,056
PROVISI : 0.00% -
TOTAL DP : 98,302,196
OTR : 277,300,000
TOTAL DP : 98,302,196
ANGSURAN : 18,631,000
1 Tahun
1TH
###
###
###
###
###
DP 20% - 24,99%
Flat Rate
Provisi
DP 25% - 29,99%
Flat Rate
Provisi
DP > 30%
Flat Rate
Provisi
Adm
BCL
TOTAL PINJAMA:
###
TOTAL PINJAMAN
### I
2 tahun
REGULER
OTR : 277,300,000
DP : 25.00% 69,325,000
TENOR : 24
PH : 207,975,000
ADM KREDIT :
PH + AK : 207,975,000
PROV KREDIT : 5.00% 10,398,750
PH + AK + PK : 218,373,750
BUNGA : 2.83% 12,359,954
TOTAL PINJAMAN : 230,733,704
TENOR/ANG/BLN : 24 9,614,000
PEMBAYARAN PERTAMA
DP : 69,325,000
ANG I : 9,614,000
TJH : 200,000
ADM + FIDUSIA : 3,000,000
ASURANSI : 2.590% 7,182,070
ASURANSI JIWA : 0.80% 1,746,990
PROVISI : 0.00% -
TOTAL DP : 91,068,060
OTR : 277,300,000
TOTAL DP : 91,068,060
ANGSURAN : 9,614,000
Page 3
3 Tahun
REGULER
OTR : 277,300,000
DP : 25.00% 69,325,000
TENOR : 36
PH : 207,975,000
ADM KREDIT :
PH + AK : 207,975,000
PROV KREDIT : 5.00% 10,398,750
PH + AK + PK : 218,373,750
BUNGA : 3.03% 19,850,174
TOTAL PINJAMAN : 238,223,924
TENOR/ANG/BLN : 36 6,618,000
PEMBAYARAN PERTAMA
DP : 69,325,000
ANG I : 6,618,000
TJH : 200,000
ADM + FIDUSIA : 3,000,000
ASURANSI : 3.000% 8,319,000
ASURANSI JIWA : 1.30% 2,838,859
PROVISI : 0.00% -
TOTAL DP : 90,300,859
OTR : 277,300,000
TOTAL DP : 90,300,859
ANGSURAN : 6,618,000
Page 4
4 Tahun
REGULER
OTR : 277,300,000
DP : 25.00% 69,325,000
TENOR : 48
PH : 207,975,000
ADM KREDIT :
PH + AK : 207,975,000
PROV KREDIT : 5.00% 10,398,750
PH + AK + PK : 218,373,750
BUNGA : 3.63% 31,707,869
TOTAL PINJAMAN : 250,081,619
TENOR/ANG/BLN : 48 5,211,000
PEMBAYARAN PERTAMA
DP : 69,325,000
ANG I : 5,211,000
TJH : 200,000
ADM + FIDUSIA : 3,250,000
ASURANSI : 3.410% 9,455,930
ASURANSI JIWA : 1.60% 3,493,980
PROVISI : 0.00% -
TOTAL DP : 90,935,910
OTR : 277,300,000
TOTAL DP : 90,935,910
ANGSURAN : 5,211,000
Page 5
5 Tahun
REGULER
OTR : 277,300,000
DP : 25.00% 69,325,000
TENOR : 60
PH : 207,975,000
ADM KREDIT :
PH + AK : 207,975,000
PROV KREDIT : 5.00% 10,398,750
PH + AK + PK : 218,373,750
BUNGA : 4.73% 51,645,392
TOTAL PINJAMAN : 270,019,142
TENOR/ANG/BLN : 60 4,501,000
PEMBAYARAN PERTAMA
DP : 69,325,000
ANG I : 4,501,000
TJH : 200,000
ADM + FIDUSIA : 3,500,000
ASURANSI : 3.820% 10,592,860
ASURANSI JIWA : 1.88% 4,094,508
PROVISI : 0.00% -
TOTAL DP : 92,213,368
OTR : 277,300,000
TOTAL DP : 92,213,368
ANGSURAN : 4,501,000
Page 6
6 Tahun
REGULER
OTR : 450,000,000
DP : 25.00% 112,500,000
TENOR : 72
PH : 337,500,000
FREE SERVIS :
PH + FS : 337,500,000
BIAYA PROSES : 5.00% 16,875,000
PH + FS + BP : 354,375,000
BUNGA : 5.73% 121,834,125
TOTAL PINJAMAN : 476,209,125
TENOR/ANG/BLN : 72 6,615,000
PEMBAYARAN PERTAMA
DP : 112,500,000
ANG I : 6,615,000
TJH : 200,000
ADM + FIDUSIA : 3,500,000
ASURANSI : 2.450% 11,025,000
ASURANSI JIWA : 1.90% 6,733,125
PROVISI : 0.00% -
TOTAL DP : 140,573,125
OTR : 450,000,000
TOTAL DP : 140,573,125
ANGSURAN : 6,615,000
Page 7
Fix & Fix 5 Tahun
Fix&Fix 5Tahun DP Min 25%
OTR : 277,300,000
DP : 25.00% 69,325,000
TENOR : 60
PH : 207,975,000
FREE SERVIS :
PH + FS : 207,975,000
BIAYA PROSES : 5.00% 10,398,750
PH + FS + BP : 218,373,750
BUNGA (1-3Th) : 4.60% 50,225,963
BUNGA (4-5Th) 5.00% 54,593,438
PEMBAYARAN PERTAMA
DP : 69,325,000
ANG I : 4,477,000
TJH : 500,000
ADM + FIDUSIA : 3,000,000
ASURANSI : 3.820% 10,592,860
ASURANSI JIWA : 1.75% 3,821,541
PROVISI : 0.00% -
TOTAL DP : 91,716,401
Page 8