Contoh Simulasi KPRukan Primary
Harga Rukan |
: |
Rp 850.000.000,- |
Penilaian Internal Bank |
: |
Rp 750.000.000,- |
Uang Muka |
: |
Rp 350.000.000,- |
Pokok Pinjaman / Plafon Kredit |
: |
Rp 500.000.000,- |
Suku Bunga |
: |
Fixed 2 tahun 5,25% |
Angsuran Masa Fixed |
: |
Rp 5.364.585,- |
Angsuran Masa Floating |
: |
Rp 6.938.590,- |
Total Bunga |
: |
Rp 294.854.686,- |
Jangka Waktu |
: |
120 bulan [ 10 tahun ] |
Provisi |
: |
Rp5.000.000,- setara 1% dari pinjaman kredit |
Biaya Adminstrasi |
: |
Rp 500.000,- setara 0,1% dari pinjaman kredit |
Daftar Angsuran
|
Total Angsuran |
Angsuran Pokok |
Angsuran Bunga |
Outstanding |
- |
- |
- |
- |
500,000,000 |
1 |
5,364,585 |
3,177,085 |
2,187,500 |
496,822,915 |
2 |
5,364,585 |
3,190,985 |
2,173,600 |
493,631,930 |
3 |
5,364,585 |
3,204,945 |
2,159,640 |
490,426,985 |
4 |
5,364,585 |
3,218,967 |
2,145,618 |
487,208,018 |
5 |
5,364,585 |
3,233,050 |
2,131,535 |
483,974,968 |
6 |
5,364,585 |
3,247,195 |
2,117,390 |
480,727,773 |
7 |
5,364,585 |
3,261,401 |
2,103,184 |
477,466,372 |
8 |
5,364,585 |
3,275,670 |
2,088,915 |
474,190,702 |
9 |
5,364,585 |
3,290,001 |
2,074,584 |
470,900,702 |
10 |
5,364,585 |
3,304,395 |
2,060,191 |
467,596,307 |
11 |
5,364,585 |
3,318,851 |
2,045,734 |
464,277,456 |
12 |
5,364,585 |
3,333,371 |
2,031,214 |
460,944,085 |
13 |
5,364,585 |
3,347,955 |
2,016,630 |
457,596,130 |
14 |
5,364,585 |
3,362,602 |
2,001,983 |
454,233,528 |
15 |
5,364,585 |
3,377,313 |
1,987,272 |
450,856,215 |
16 |
5,364,585 |
3,392,089 |
1,972,496 |
447,464,126 |
17 |
5,364,585 |
3,406,930 |
1,957,656 |
444,057,196 |
18 |
5,364,585 |
3,421,835 |
1,942,750 |
440,635,361 |
19 |
5,364,585 |
3,436,805 |
1,927,780 |
437,198,556 |
20 |
5,364,585 |
3,451,841 |
1,912,744 |
433,746,714 |
21 |
5,364,585 |
3,466,943 |
1,897,642 |
430,279,771 |
22 |
5,364,585 |
3,482,111 |
1,882,474 |
426,797,660 |
23 |
5,364,585 |
3,497,345 |
1,867,240 |
423,300,315 |
24 |
5,364,585 |
3,512,646 |
1,851,939 |
419,787,669 |
25 |
6,938,590 |
2,565,802 |
4,372,788 |
417,221,867 |
26 |
6,938,590 |
2,592,529 |
4,346,061 |
414,629,338 |
27 |
6,938,590 |
2,619,534 |
4,319,056 |
412,009,803 |
28 |
6,938,590 |
2,646,821 |
4,291,769 |
409,362,982 |
29 |
6,938,590 |
2,674,392 |
4,264,198 |
406,688,590 |
30 |
6,938,590 |
2,702,251 |
4,236,339 |
403,986,339 |
31 |
6,938,590 |
2,730,399 |
4,208,191 |
401,255,940 |
32 |
6,938,590 |
2,758,841 |
4,179,749 |
398,497,100 |
33 |
6,938,590 |
2,787,579 |
4,151,011 |
395,709,521 |
34 |
6,938,590 |
2,816,616 |
4,121,974 |
392,892,905 |
35 |
6,938,590 |
2,845,956 |
4,092,634 |
390,046,949 |
36 |
6,938,590 |
2,875,601 |
4,062,989 |
387,171,348 |
37 |
6,938,590 |
2,905,555 |
4,033,035 |
384,265,793 |
38 |
6,938,590 |
2,935,821 |
4,002,769 |
381,329,972 |
39 |
6,938,590 |
2,966,403 |
3,972,187 |
378,363,569 |
40 |
6,938,590 |
2,997,303 |
3,941,287 |
375,366,266 |
41 |
6,938,590 |
3,028,525 |
3,910,065 |
372,337,741 |
42 |
6,938,590 |
3,060,072 |
3,878,518 |
369,277,670 |
43 |
6,938,590 |
3,091,948 |
3,846,642 |
366,185,722 |
44 |
6,938,590 |
3,124,155 |
3,814,435 |
363,061,566 |
45 |
6,938,590 |
3,156,699 |
3,781,891 |
359,904,868 |
46 |
6,938,590 |
3,189,581 |
3,749,009 |
356,715,287 |
47 |
6,938,590 |
3,222,806 |
3,715,784 |
353,492,481 |
48 |
6,938,590 |
3,256,377 |
3,682,213 |
350,236,104 |
49 |
6,938,590 |
3,290,297 |
3,648,293 |
346,945,807 |
50 |
6,938,590 |
3,324,571 |
3,614,019 |
343,621,236 |
51 |
6,938,590 |
3,359,202 |
3,579,388 |
340,262,034 |
52 |
6,938,590 |
3,394,194 |
3,544,396 |
336,867,840 |
53 |
6,938,590 |
3,429,550 |
3,509,040 |
333,438,290 |
54 |
6,938,590 |
3,465,275 |
3,473,316 |
329,973,015 |
55 |
6,938,590 |
3,501,371 |
3,437,219 |
326,471,644 |
56 |
6,938,590 |
3,537,844 |
3,400,746 |
322,933,800 |
57 |
6,938,590 |
3,574,696 |
3,363,894 |
319,359,104 |
58 |
6,938,590 |
3,611,933 |
3,326,657 |
315,747,171 |
59 |
6,938,590 |
3,649,557 |
3,289,033 |
312,097,614 |
60 |
6,938,590 |
3,687,573 |
3,251,017 |
308,410,041 |
61 |
6,938,590 |
3,725,985 |
3,212,605 |
304,684,055 |
62 |
6,938,590 |
3,764,798 |
3,173,792 |
300,919,258 |
63 |
6,938,590 |
3,804,014 |
3,134,576 |
297,115,243 |
64 |
6,938,590 |
3,843,640 |
3,094,950 |
293,271,604 |
65 |
6,938,590 |
3,883,678 |
3,054,913 |
289,387,926 |
66 |
6,938,590 |
3,924,132 |
3,014,458 |
285,463,794 |
67 |
6,938,590 |
3,965,009 |
2,973,581 |
281,498,785 |
68 |
6,938,590 |
4,006,311 |
2,932,279 |
277,492,474 |
69 |
6,938,590 |
4,048,043 |
2,890,547 |
273,444,430 |
70 |
6,938,590 |
4,090,211 |
2,848,379 |
269,354,220 |
71 |
6,938,590 |
4,132,817 |
2,805,773 |
265,221,403 |
72 |
6,938,590 |
4,175,867 |
2,762,723 |
261,045,536 |
73 |
6,938,590 |
4,219,366 |
2,719,224 |
256,826,170 |
74 |
6,938,590 |
4,263,317 |
2,675,273 |
252,562,852 |
75 |
6,938,590 |
4,307,727 |
2,630,863 |
248,255,125 |
76 |
6,938,590 |
4,352,599 |
2,585,991 |
243,902,526 |
77 |
6,938,590 |
4,397,939 |
2,540,651 |
239,504,588 |
78 |
6,938,590 |
4,443,751 |
2,494,839 |
235,060,837 |
79 |
6,938,590 |
4,490,040 |
2,448,550 |
230,570,797 |
80 |
6,938,590 |
4,536,811 |
2,401,779 |
226,033,986 |
81 |
6,938,590 |
4,584,069 |
2,354,521 |
221,449,917 |
82 |
6,938,590 |
4,631,820 |
2,306,770 |
216,818,097 |
83 |
6,938,590 |
4,680,068 |
2,258,522 |
212,138,029 |
84 |
6,938,590 |
4,728,819 |
2,209,771 |
207,409,210 |
85 |
6,938,590 |
4,778,077 |
2,160,513 |
202,631,132 |
86 |
6,938,590 |
4,827,849 |
2,110,741 |
197,803,283 |
87 |
6,938,590 |
4,878,139 |
2,060,451 |
192,925,144 |
88 |
6,938,590 |
4,928,953 |
2,009,637 |
187,996,191 |
89 |
6,938,590 |
4,980,296 |
1,958,294 |
183,015,895 |
90 |
6,938,590 |
5,032,174 |
1,906,416 |
177,983,720 |
91 |
6,938,590 |
5,084,593 |
1,853,997 |
172,899,127 |
92 |
6,938,590 |
5,137,557 |
1,801,033 |
167,761,570 |
93 |
6,938,590 |
5,191,074 |
1,747,516 |
162,570,496 |
94 |
6,938,590 |
5,245,147 |
1,693,443 |
157,325,349 |
95 |
6,938,590 |
5,299,784 |
1,638,806 |
152,025,564 |
96 |
6,938,590 |
5,354,990 |
1,583,600 |
146,670,574 |
97 |
6,938,590 |
5,410,772 |
1,527,818 |
141,259,802 |
98 |
6,938,590 |
5,467,134 |
1,471,456 |
135,792,669 |
99 |
6,938,590 |
5,524,083 |
1,414,507 |
130,268,585 |
100 |
6,938,590 |
5,581,626 |
1,356,964 |
124,686,960 |
101 |
6,938,590 |
5,639,768 |
1,298,822 |
119,047,192 |
102 |
6,938,590 |
5,698,515 |
1,240,075 |
113,348,677 |
103 |
6,938,590 |
5,757,875 |
1,180,715 |
107,590,803 |
104 |
6,938,590 |
5,817,853 |
1,120,738 |
101,772,950 |
105 |
6,938,590 |
5,878,455 |
1,060,135 |
95,894,495 |
106 |
6,938,590 |
5,939,689 |
998,901 |
89,954,806 |
107 |
6,938,590 |
6,001,561 |
937,029 |
83,953,245 |
108 |
6,938,590 |
6,064,077 |
874,513 |
77,889,168 |
109 |
6,938,590 |
6,127,245 |
811,345 |
71,761,923 |
110 |
6,938,590 |
6,191,070 |
747,520 |
65,570,853 |
111 |
6,938,590 |
6,255,560 |
683,030 |
59,315,293 |
112 |
6,938,590 |
6,320,722 |
617,868 |
52,994,571 |
113 |
6,938,590 |
6,386,563 |
552,027 |
46,608,007 |
114 |
6,938,590 |
6,453,090 |
485,500 |
40,154,917 |
115 |
6,938,590 |
6,520,310 |
418,280 |
33,634,608 |
116 |
6,938,590 |
6,588,230 |
350,360 |
27,046,378 |
117 |
6,938,590 |
6,656,857 |
281,733 |
20,389,521 |
118 |
6,938,590 |
6,726,199 |
212,391 |
13,663,322 |
119 |
6,938,590 |
6,796,264 |
142,326 |
6,867,058 |
120 |
6,938,590 |
6,867,058 |
71,532 |
0 |
Perhitungan di atas hanya merupakan simulasi/estimasi bukan perkiraan yang sebenarnya.
*) Belum termasuk biaya biaya
Jumlah PokokPinjaman |
Total Bunga Sesuai Tenor |
Total Yang Dibayarkan Nasabah *) |
Rp 500.000.000,- |
Rp 289.104.317,- |
Rp 789.104.317,- |
*) Belum termasuk biaya biaya
|