NEW CAR 2023

FINANCING KALKULATOR
Tier tahun 1 2 3 4 5 6 7
SIMULASI HARGA Tenor 12 Months 24 Months 36 Months 48 Months 60 Months 72 Months 84 Months
Diskon Tenor 0 12.23% 12.29% 12.56% 13.01% 13.61% 14.49% 15.61%

NC Passenger DP 20% (Special

NC Passenger DP 20% Benefit)
6.75% 6.65% 6.84% 7.20% 7.68% 8.38% 9.28%
(Special Benefit)
Product
Multiguna
Kategori Kendaraan Passenger Harga OTR 172,850,000 172,850,000 172,850,000 172,850,000 172,850,000 172,850,000 172,850,000
Penggunaan Kendaraan Personal Uang Muka 43,212,500 43,212,500 43,212,500 43,212,500 43,212,500 43,212,500 43,212,500
Tahun Kendaraan 2023 Pokok Hutang 138,176,290 138,822,749 139,431,181 140,001,586 140,618,661 141,235,735 141,852,810

SIGRA 1.2 R MT MC
Merek dan tipe Angsuran 12,292,000 6,554,000 4,669,000 3,757,000 3,244,000 2,948,000 2,787,000

Nama customer
Nama Customer Biaya Administrasi 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000
Harga OTR 172,850,000 Premi Asuransi 4,649,665 5,296,124 5,904,556 6,474,961 7,092,036 7,709,110 8,326,185
UPP Administrasi Biaya Fidusia 260,000 260,000 260,000 260,000 260,000 260,000 260,000
Pembayaran administrasi Cash Biaya Provisi 3,889,125 3,889,125 3,889,125 3,889,125 3,889,125 3,889,125 3,889,125
UPP Bunga 2.00% Biaya AJK - - - - - - -
UPP Provisi 3.00% 3,889,125 Total Down Payment 46,472,500 46,472,500 46,472,500 46,472,500 46,472,500 46,472,500 46,472,500
Up On Loan 3.00% 1 3,889,125
Up Cash 0.00% 0 - Asuransi Jiwa Kredit Nama Asuradur Asuransi Kendaraan Nama Asuradur 17-50 th
Nama Asuradur All Risk 1 3 Authorized
Asuransi Kendaraan Passenger
Indeks Rate Total Unit Total Premi Unit
Premi Asuransi Batas Bawah OTR 172,850,000 Personal Bengkel AJK
Region III Bulan Depresiasi OTR Wilayah 3 17-50 th
Paket asuransi All Risk 1 12 100% 172,850,000 All Risk 2.69% 4,649,665 - -
TJH 0 24 85% 146,922,500 TLO 3.06% 5,296,124 - -
PA Driver 0 36 80% 138,280,000 TLO 3.42% 5,904,556 - -
PA Passenger 0 48 75% 129,637,500 TLO 3.75% 6,474,961 - -
Jumlah passenger 0 60 70% 120,995,000 TLO 4.10% 7,092,036 - -
Banjir Yes 72 70% 120,995,000 TLO 4.46% 7,709,110 - -
Gempa Bumi No 84 70% 120,995,000 TLO 4.82% 8,326,185 - -
Huru hara No
Terorisme dan Sabotase No TJH PA Driver 4 PA Unit Banjir Gempa Bumi Tsunami Huru hara Terorisme Sabotage
Bengkel Otorisasi No - - - Wilayah 3 Wilayah 3 Wilayah 3 Wilayah 3 Wilayah 3
Pembayaran Asuransi On Loan Premi Premi Premi Premi Premi Premi Premi Premi
Free Asuransi Banjir 1 Tahun YES - - - 4,649,665 129,638 - - -
Pemilihan Cover Asuransi FULL TENOR - - - 646,459 - - - -
Asuransi Jiwa Kredit Nama Asuradur - - - 608,432 - - - -
AJK 17-50 th No - - - 570,405 - - - -
ADDB/ADDM ADDB - - - 617,075 - - - -
Biaya Fidusia Default - - - 617,075 - - - -
Pembayaran fidusia Cash - - - 617,075 - - - -
Down Payment 25.00% ON 43,212,500
Pilih Goalseek TIDAK GOALSEEK 125,000,000
DP After Goalseek
1 2 3 4 5 6 7
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
NEW CAR
FINANCING

ADDB 60 Bulan
SIMULASI HARGA
Nama Nama customer
Merek dan tipe SIGRA 1.2 R MT MC
Harga OTR 172,850,000

Down Payment 25% 43,212,500

Admin + Fidusia 3,260,000
Premi Asuransi 4.10% 7,092,036
Provisi 3.00% 3,889,125
Angsuran 3,244,000
TDP 46,472,500
Lembar Input Instalasi an Nama customer
Instalasi Kredit

Tenor 60 Months
Num of Ins 60 Months
Effective Rate 13.608119% NC Passenger DP 20% (Special Benefit)
Flat Rate 7.678702% SIGRA 1.2 R MT MC
Harga OTR 172,850,000 2023
Uang Muka 43,212,500
Pokok Hutang Murni 129,637,500
Pokok Hutang 140,618,661 Diff Rate 10,450,000
Angsuran 3,244,000 ADDB Arrear
Biaya Administrasi 3,000,000 Cash
Asuransi Unit
Premi Asuransi 7,092,036 On Loan FULL TENOR
Nama Asuradur
Biaya Fidusia 260,000 Cash
On Loan Cash Total
Biaya Provisi 3,889,125
3,889,125 - 3,889,125
No Usia 17-50 th
Biaya AJK - Asuransi Jiwa Kredit
Nama Asuradur
Total Down Payment -

Perluasan Asuransi Unit

TJH PA Driver 4 PA Unit Banjir

- - - Wilayah 3 Wilayah 3
Premi Premi Premi Premi Premi
- - - 4,649,665 129,638
- - - 646,459 -
- - - 608,432 -
- - - 570,405 -
- - - 617,075 -
- - - 617,075 -
- - - 617,075 -

Gempa Bumi Tsunami Huru hara Terorisme Sabotage Authorized Bengkel

Wilayah 3 Wilayah 3 Wilayah 3 Wilayah 3 Total Premi Unit
Premi Premi Premi Premi
- - - - 4,649,665
- - - - 5,296,124
- - - - 5,904,556
- - - - 6,474,961
- - - - 7,092,036
- - - - 7,709,110
- - - - 8,326,185
SIMULASI HARGA Tier tahun 1 2 3 4 5 6 7
Diskon Tenor 0
Tenor 12 Months 24 Months 36 Months 48 Months 60 Months 72 Months 84 Months
No
NC Passenger DP 20%
NC Passenger DP 20% (Special Benefit) 12.23% 12.29% 12.56% 13.01% 13.61% 14.49% 15.61%
Product
(Special Benefit) NC Passenger DP 20% (Special Benefit) 6.75% 6.65% 6.84% 7.20% 7.68% 8.38% 9.28%
Multigun
a 1 Harga OTR 172,850,000 172,850,000 172,850,000 172,850,000 172,850,000 172,850,000 172,850,000
Kategori Kendaraan Passenger
2 Uang Muka 43,212,500 43,212,500 43,212,500 43,212,500 43,212,500 43,212,500 43,212,500
Penggunaan Kendaraan Personal
Tahun Kendaraan 2023 3 Pokok Hutang Murni 129,637,500 129,637,500 129,637,500 129,637,500 129,637,500 129,637,500 129,637,500

SIGRA 1.2 R MT MC
Pokok Hutang
Biaya Bunga
138,176,290
9,327,093
138,822,749
18,472,008
139,431,181
28,624,258
140,001,586
40,317,283
140,618,661
53,988,438
141,235,735
70,974,827
141,852,810
92,188,482
TANPA
Merek dan tipe
4 Outstanding 147,503,383 157,294,757 168,055,439 180,318,869 194,607,098 212,210,562 234,041,291 GOALSEEK
ANDAN PERMADI 5 Angsuran 12,292,000 6,554,000 4,669,000 3,757,000 3,244,000 2,948,000 2,787,000
Nama Customer 6 Biaya Administrasi 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000
Harga OTR 196,800,000
UPP Administrasi 7 Premi Asuransi 4,649,665 5,296,124 5,904,556 6,474,961 7,092,036 7,709,110 8,326,185
Pembayaran administrasi Cash 8 Biaya Fidusia 260,000 260,000 260,000 260,000 260,000 260,000 260,000
UPP Bunga 2.00%
UPP Provisi 3.00% 4,723,200
9 Biaya Provisi 3,889,125 3,889,125 3,889,125 3,889,125 3,889,125 3,889,125 3,889,125
Up On Loan 3.00% 1 4,723,200 10 Biaya AJK - - - - - - -
Up Cash 0.00% 0 - 11 Total Down Payment 46,472,500 46,472,500 46,472,500 46,472,500 46,472,500 46,472,500 46,472,500
Nama Asuradur
Asuransi Kendaraan 3,260,000 3260000 3260000 3260000 3260000 3260000 3260000
Premi Asuransi Batas Bawah Tier tahun 1 2 3 4 5 6 7
Region III
Paket asuransi All Risk 1 Tenor 12 Months 24 Months 36 Months 48 Months 60 Months 72 Months 84 Months
0
No
TJH NC Passenger DP 20% (Special Benefit) 12.23% 12.29% 12.56% 13.01% 13.61% 14.49% 15.61%
PA Driver 0
PA Passenger 0 NC Passenger DP 20% (Special Benefit) 6.75% 6.65% 6.84% 7.20% 7.68% 8.38% 9.28%
Jumlah passenger 0 1 Harga OTR 172,850,000 172,850,000 172,850,000 172,850,000 172,850,000 172,850,000 172,850,000
Banjir Yes
Gempa Bumi No Total Biaya 184,648,790 185,295,249 185,903,681 186,474,086 187,091,161 187,708,235 188,325,310
Huru hara No 2 Uang Muka 43,212,500 43,212,500 43,212,500 43,212,500 43,212,500 43,212,500 43,212,500
Terorisme dan Sabotase
Bengkel Otorisasi
No
No
3
4
Pokok Hutang Murni
PH + Asuransi + Provisi + AJK
129,637,500
138,176,290
129,637,500
138,822,749
129,637,500
139,431,181
129,637,500
147,093,622
129,637,500
140,618,661
129,637,500
141,235,735
129,637,500
141,852,810
GOALSEEK
TDP
Pembayaran Asuransi On Loan
Free Asuransi Banjir 1 Tahun YES
Outstanding 147,503,383 157,294,757 168,055,439 189,453,250 194,607,098 212,210,562 234,041,291
Pemilihan Cover Asuransi FULL TENOR
Asuransi Jiwa Kredit Nama Asuradur 5 Angsuran 12,292,000 6,554,000 4,669,000 3,947,000 3,244,000 2,948,000 2,787,000
AJK 17-50 th No 6 Biaya Administrasi 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000
ADDB/ADDM ADDB
Biaya Fidusia Default 7 Premi Asuransi 4,649,665 5,296,124 5,904,556 6,474,961 7,092,036 7,709,110 8,326,185
Pembayaran fidusia Cash 8 Biaya Fidusia 260,000 260,000 260,000 260,000 260,000 260,000 260,000
Down Payment 20.00% ON 39,360,000
Pilih Goalseek TIDAK GOALSEEK 125,000,000
9 Biaya Provisi 3,889,125 3,889,125 3,889,125 3,889,125 3,889,125 3,889,125 3,889,125
DP After Goalseek 10 Biaya AJK - - - - - - -
11 Total Down Payment 46,472,500 46,472,500 46,472,500 46,472,500 46,472,500 46,472,500 46,472,500
Admin + Fidusia 3,260,000 3260000 3260000 3260000 3260000
Tier tahun 1 2 3 4 5 6 7
Tenor 12 Months 24 Months 36 Months 48 Months 60 Months 72 Months 84 Months
No
NC Passenger DP 20% (Special Benefit) 12.23% 12.29% 12.56% 13.01% 13.61% 14.49% 15.61%
NC Passenger DP 20% (Special Benefit) 6.75% 6.65% 6.84% 7.20% 7.68% 8.38% 9.28%
1 Harga OTR 172,850,000 172,850,000 172,850,000 172,850,000 172,850,000 172,850,000 172,850,000
Total Biaya 184,648,790 185,295,249 185,903,681 186,474,086 187,091,161 187,708,235 188,325,310
2 Uang Muka 43,212,500 43,212,500 43,212,500 43,212,500 43,212,500 43,212,500 43,212,500
3
4
Pokok Hutang Murni
PH + Asuransi + Provisi + AJK
129,637,500
138,176,290
129,637,500
138,822,749
129,637,500
139,431,181
129,637,500
140,001,586
129,637,500
140,618,661
129,637,500
141,235,735
129,637,500
141,852,810 GOALSEEK
5
Outstanding
Angsuran
147,504,000
12,292,000
157,296,000
6,554,000
168,084,000
4,669,000
180,336,000
3,757,000
194,640,000
3,244,000
212,256,000
2,948,000
234,108,000
2,787,000
ANGSURAN
6 Biaya Administrasi 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000
7 Premi Asuransi 4,649,665 5,296,124 5,904,556 6,474,961 7,092,036 7,709,110 8,326,185
8 Biaya Fidusia 260,000 260,000 260,000 260,000 260,000 260,000 260,000
9 Biaya Provisi 3,889,125 3,889,125 3,889,125 3,889,125 3,889,125 3,889,125 3,889,125
10 Biaya AJK - - - - - - -
11 Total Down Payment 46,472,500 46,472,500 46,472,500 46,472,500 46,472,500 46,472,500 46,472,500
LINK 12,291,949 6,553,948 4,668,207 3,756,643 3,243,452 2,947,369 2,786,206
Apabila nilai Total Refund > OJK 17.5% ,
maka pembagian refund tidak dapat di save
dan tidak dapat dilanjutkan
Asuransi
All Risk 1 3 Passenger PA Driver 4 PA Unit Banjir Gempa Bumi Huru hara Terorisme Authorized
TJH Tsunami Sabotage Total Bayar
Indeks Rate Total Premi Total Premi Premi Indeks
OTR 172,850,000 Personal - - - Wilayah 3 Wilayah 3 Wilayah 3 Wilayah 3 Wilayah 3 Wilayah 3
Bulan Depresiasi OTR Premi Premi Premi Premi Premi Premi Premi Premi Premi
12 100% 172,850,000 All Risk 2.69% 4,649,665 - - - 4,649,665 129,638 - - - - 4,779,303 4,649,665 1
24 85% 146,922,500 TLO 3.06% 5,296,124 - - - 646,459 - - - - - 646,459 5,296,124 1
36 80% 138,280,000 TLO 3.42% 5,904,556 - - - 608,432 - - - - - 608,432 5,904,556 1
48 75% 129,637,500 TLO 3.75% 6,474,961 - - - 570,405 - - - - - 570,405 6,474,961 1
60 70% 120,995,000 TLO 4.10% 7,092,036 - - - 617,075 - - - - - 617,075 7,092,036 1
72 70% 120,995,000 TLO 4.46% 7,709,110 - - - 617,075 - - - - - 617,075 7,709,110 TRUE
84 70% 120,995,000 TLO 4.82% 8,326,185 - - - 617,075 - - - - - 617,075 8,326,185 TRUE
 Asuransi Jiwa Kredit Nama Asuradur 17-50 th No
PH Murni +
PH Murni +
Tenor PH Murni Asuransi + Rate AJK
Asuransi
Provisi
12 129,637,500 134,287,165 138,176,290 0.239% -
24 129,637,500 134,933,624 138,822,749 0.545% -
36 129,637,500 135,542,056 139,431,181 0.840% -
48 129,637,500 136,112,461 140,001,586 1.148% -
60 129,637,500 136,729,536 140,618,661 1.327% -
72 129,637,500 137,346,610 141,235,735 1.466% -
84 129,637,500 137,963,685 141,852,810 1.788% -

17 - 50 th 51 - 60 th
Tenor Gross Permill Gross Persen Tenor Gross Permill Gross Persen
12 2.39 0.00239 12 21.08 0.02108
24 5.45 0.00545 24 27.49 0.02749
36 8.4 0.0084 36 31.87 0.03187
48 11.48 0.01148 48 40.63 0.04063
60 13.27 0.01327 60 49.29 0.04929
72 14.66 0.01466 72 53.21 0.05321
84 17.88 0.01788 84 57.12 0.05712