SIMULASI KPR BANK SUMUT

Harga Rumah
Down Payment
atau

Diskon / DP
Plafond KPR
Angsur / Tenor
atau

Bunga
Angsuran
Cicilan Ekstra
periode setiap
total per periode
min penghasilan
Total Bunga
rasio bunga
Total Pokok
total KPR
lunas setelah
atau

###
0%
0
0
###
5
60
16.00%
12,159,029
1
1
1
25,533,960
###
29.07%
500,000,000
###
58
4.8

Bulan Pinjaman Pokok Angsuran

ke
Tersisa (Rp)
Pokok (Rp)
1
500,000,000
5,492,363
2
494,507,637
5,565,594
3
488,942,043
5,639,802
4
483,302,240
5,715,000
5
477,587,241
5,791,200
6
471,796,041
5,868,416
7
465,927,626
5,946,661
8
459,980,964
6,025,950
9
453,955,014
6,106,296
10
447,848,719
6,187,713
11
441,661,005
6,270,216
12
435,390,789
6,353,819
13
429,036,970
6,438,536
14
422,598,434
6,524,384
15
416,074,050
6,611,375
16
409,462,675
6,699,527
17
402,763,148
6,788,854
18
395,974,294
6,879,372
19
389,094,922
6,971,097
20
382,123,825
7,064,045
21
375,059,780
7,158,232

SIMULASI TAKE OVER KPR BAN

rupiah
( DP )
rupiah
rupiah
rupiah)**
tahun (max. 20)
bulan
per tahun
per bulan)*
bulan
bulan
rupiah
rupiah (+110%)*
rupiah
terhadap pokok
rupiah)**
rupiah
bulan
tahun

Angsuran
Bunga (Rp)
6,666,667
6,593,435
6,519,227
6,444,030
6,367,830
6,290,614
6,212,368
6,133,080
6,052,734
5,971,316
5,888,814
5,805,211
5,720,493
5,634,646
5,547,654
5,459,503
5,370,176
5,279,657
5,187,933
5,094,985
5,000,797

Harga Rumah
Down Payment
atau

Diskon / DP
Plafond KPR
Angsur / Tenor
atau

Bunga
Angsuran
Cicilan Ekstra
periode setiap
total per periode
min penghasilan
Total Bunga
rasio bunga
Total Pokok
total KPR
lunas setelah
atau

Bulan Pinjaman Pokok

ke
Tersisa (Rp)
1
350,000,000
2
348,160,473
3
346,307,610
4
344,441,314
5
342,561,487
6
340,668,031
7
338,760,848
8
336,839,838
9
334,904,900
10
332,955,934
11
330,992,838
12
329,015,510
13
274,499,528
14
272,493,424
15
270,472,776
16
268,437,479
17
266,387,425
18
264,322,509
19
262,242,622
20
260,147,656
21
258,037,501

22
23
24
25
26
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29
30
31
32
33
34
35
36
37
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40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66

367,901,548
360,647,872
353,297,481
345,849,085
338,301,377
328,315,748
318,314,142
308,296,444
298,262,538
288,212,305
278,145,627
268,062,386
257,962,460
247,845,730
237,712,073
227,561,366
217,393,487
207,208,309
197,005,709
186,785,559
176,547,733
166,292,102
156,018,538
145,726,909
135,417,086
125,088,936
114,742,326
104,377,123
93,993,192
83,590,397
73,168,601
62,727,666
52,267,455
41,787,826
31,288,639
20,769,753
10,231,025
0

7,253,675
7,350,391
7,448,396
7,547,708
9,985,629
10,001,606
10,017,698
10,033,907
10,050,233
10,066,678
10,083,241
10,099,925
10,116,730
10,133,657
10,150,707
10,167,880
10,185,177
10,202,600
10,220,150
10,237,826
10,255,631
10,273,565
10,291,629
10,309,823
10,328,150
10,346,610
10,365,203
10,383,931
10,402,795
10,421,796
10,440,934
10,460,212
10,479,629
10,499,186
10,518,886
10,538,728
10,231,025

4,905,354
4,808,639
4,710,633
4,611,321
2,173,400
2,157,424
2,141,332
2,125,123
2,108,797
2,092,352
2,075,788
2,059,104
2,042,299
2,025,372
2,008,323
1,991,150
1,973,852
1,956,429
1,938,880
1,921,203
1,903,399
1,885,465
1,867,401
1,849,206
1,830,880
1,812,420
1,793,827
1,775,098
1,756,234
1,737,234
1,718,095
1,698,818
1,679,401
1,659,843
1,640,143
1,620,301
1,600,315

22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66

255,912,048
253,771,185
251,614,801
196,918,465
194,730,700
192,527,073
190,307,471
188,071,776
185,819,873
183,551,643
181,266,968
178,965,730
176,647,808
174,313,080
171,961,426
117,068,405
114,682,528
112,279,354
109,858,756
107,420,610
104,964,787
102,491,159
99,999,597
97,489,972
94,962,151
92,416,004
89,851,398
34,743,880
32,141,952
29,521,160
26,881,367
24,222,435
21,544,227
18,846,601
16,129,418
13,392,535
10,635,809
7,859,098
5,062,255
0

67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
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89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111

67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111

112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156

112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156

157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201

157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201

202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240

202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240

TAKE OVER KPR BANK MANDIRI

###
0%
0
0
###
10
120
8.70%
4,377,027
12
12
52,524,318
9,191,756
###
26.31%
350,000,000
###
60
5.0
Angsuran
Pokok (Rp)
1,839,527
1,852,863
1,866,296
1,879,827
1,893,456
1,907,183
1,921,010
1,934,938
1,948,966
1,963,096
1,977,328
54,515,982
2,006,104
2,020,648
2,035,298
2,050,053
2,064,916
2,079,887
2,094,966
2,110,155
2,125,453

Harga Rumah
Down Payment

rupiah
( DP )
rupiah
rupiah
rupiah)**
tahun (max. 20)
bulan
per tahun
per bulan)*
bulan
bulan
rupiah
rupiah (+110%)*

atau

Diskon / DP
Plafond KPR
Angsur / Tenor
atau

Bunga
Angsuran
Cicilan Ekstra
periode setiap
total per periode
min penghasilan
Total Bunga
rasio bunga
Total Pokok
total KPR
lunas setelah

rupiah
terhadap pokok
rupiah)**
rupiah
bulan
tahun

Angsuran
Bunga (Rp)
2,537,500
2,524,163
2,510,730
2,497,200
2,483,571
2,469,843
2,456,016
2,442,089
2,428,061
2,413,931
2,399,698
2,385,362
2,370,923
2,356,379
2,341,729
2,326,973
2,312,110
2,297,139
2,282,060
2,266,872
2,251,573

atau

Bulan
ke
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21

84,205,463
Pinjaman Pokok
Tersisa (Rp)
350,000,000
349,049,757
348,092,624
347,128,552
346,157,491
345,179,389
344,194,197
343,201,861
342,202,332
341,195,555
340,181,480
339,160,052
296,278,299
295,242,007
294,198,202
293,146,829
292,087,834
291,021,161
289,946,755
288,864,560
287,774,518

350,000,000
0%
0
0
350,000,000
15
180
8.70%
3,487,743
12
12
41,852,920
7,324,261
172,859,525
33.04%
350,301,973
523,161,498
78
6.5
73%
Angsuran
Pokok (Rp)
950,243
957,133
964,072
971,061
978,102
985,193
992,335
999,530
1,006,776
1,014,076
1,021,428
42,881,753
1,036,292
1,043,805
1,051,373
1,058,995
1,066,673
1,074,406
1,082,196
1,090,042
1,097,944

2,140,863
2,156,384
54,696,336
2,187,765
2,203,626
2,219,603
2,235,695
2,251,904
2,268,230
2,284,674
2,301,238
2,317,922
2,334,727
2,351,654
54,893,022
2,385,877
2,403,174
2,420,597
2,438,147
2,455,823
2,473,628
2,491,562
2,509,626
2,527,820
2,546,147
2,564,607
55,107,518
2,601,928
2,620,792
2,639,793
2,658,931
2,678,209
2,697,626
2,717,183
2,736,883
2,756,725
2,776,712
2,796,843
5,062,255

2,236,164
2,220,642
2,205,009
2,189,261
2,173,400
2,157,424
2,141,332
2,125,123
2,108,797
2,092,352
2,075,788
2,059,104
2,042,299
2,025,372
2,008,323
1,991,150
1,973,852
1,956,429
1,938,880
1,921,203
1,903,399
1,885,465
1,867,401
1,849,206
1,830,880
1,812,420
1,793,827
1,775,098
1,756,234
1,737,234
1,718,095
1,698,818
1,679,401
1,659,843
1,640,143
1,620,301
1,600,315
1,580,184
1,559,907

22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66

286,676,574
285,570,669
284,456,747
241,481,829
240,351,696
239,213,370
238,066,791
236,911,899
235,748,634
234,576,936
233,396,743
232,207,993
231,010,625
229,804,576
228,589,783
185,513,263
184,280,792
183,039,386
181,788,979
180,529,507
179,260,903
177,983,103
176,696,038
175,399,642
174,093,847
172,778,585
171,453,787
128,266,465
126,922,388
125,568,567
124,204,931
122,831,408
121,447,927
120,054,416
118,650,801
117,237,011
115,812,971
114,378,606
112,933,842
69,625,684
68,159,896
66,683,480
65,196,360
63,698,459
62,189,698

1,105,904
1,113,922
42,974,918
1,130,133
1,138,326
1,146,579
1,154,892
1,163,265
1,171,698
1,180,193
1,188,750
1,197,368
1,206,049
1,214,793
43,076,520
1,232,471
1,241,407
1,250,407
1,259,472
1,268,603
1,277,801
1,287,065
1,296,396
1,305,795
1,315,262
1,324,798
43,187,322
1,344,077
1,353,821
1,363,637
1,373,523
1,383,481
1,393,511
1,403,614
1,413,790
1,424,040
1,434,365
1,444,764
43,308,158
1,465,789
1,476,416
1,487,120
1,497,901
1,508,761
1,519,700

67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111

60,669,998
59,139,280
57,597,465
56,044,472
54,480,219
52,904,626
9,464,690
7,866,167
6,256,056
4,634,271
3,000,728
1,355,342
-301,973
0

1,530,717
1,541,815
1,552,993
1,564,253
1,575,593
43,439,936
1,598,522
1,610,112
1,621,785
1,633,543
1,645,386
1,657,315

112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156

157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201

202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240

rupiah
( DP )
rupiah
rupiah
rupiah)**
tahun (max. 20)
bulan
per tahun
per bulan)*
bulan
bulan
rupiah
rupiah (+110%)*
rupiah
terhadap pokok
rupiah)**
rupiah
bulan
tahun

Angsuran
Bunga (Rp)
2,537,500
2,530,611
2,523,672
2,516,682
2,509,642
2,502,551
2,495,408
2,488,213
2,480,967
2,473,668
2,466,316
2,458,910
2,451,451
2,443,938
2,436,371
2,428,748
2,421,070
2,413,337
2,405,548
2,397,702
2,389,799

Harga Rumah
Down Payment
atau

Diskon / DP
Plafond KPR
Angsur / Tenor
atau

Bunga
Angsuran
Cicilan Ekstra
periode setiap
total per periode
min penghasilan
Total Bunga
rasio bunga
Total Pokok
total KPR
lunas setelah
atau

###
0%
0
0
###
20
240
8.70%
3,081,830
12
12
36,981,963
6,471,843
###
38.67%
350,000,000
###
96
8.0

Bulan Pinjaman Pokok Angsuran

ke
Tersisa (Rp)
Pokok (Rp)
1
350,000,000
544,330
2
349,455,670
548,277
3
348,907,393
552,252
4
348,355,142
556,255
5
347,798,886
560,288
6
347,238,598
564,350
7
346,674,247
568,442
8
346,105,805
572,563
9
345,533,242
576,714
10
344,956,528
580,895
11
344,375,633
585,107
12
343,790,526 37,571,312
13
306,219,214
593,622
14
305,625,592
597,925
15
305,027,667
602,260
16
304,425,406
606,627
17
303,818,780
611,025
18
303,207,755
615,455
19
302,592,300
619,917
20
301,972,383
624,411
21
301,347,972
628,938

rupiah
( DP )
rupiah
rupiah
rupiah)**
tahun (max. 20)
bulan
per tahun
per bulan)*
bulan
bulan
rupiah
rupiah (+110%)*
rupiah
terhadap pokok
rupiah)**
rupiah
bulan
tahun

Angsuran
Bunga (Rp)
2,537,500
2,533,554
2,529,579
2,525,575
2,521,542
2,517,480
2,513,388
2,509,267
2,505,116
2,500,935
2,496,723
2,492,481
2,488,209
2,483,905
2,479,570
2,475,203
2,470,805
2,466,375
2,461,913
2,457,419
2,452,892

2,381,839
2,373,821
2,365,745
2,357,611
2,349,417
2,341,164
2,332,852
2,324,479
2,316,045
2,307,550
2,298,994
2,290,375
2,281,694
2,272,951
2,264,143
2,255,272
2,246,337
2,237,337
2,228,271
2,219,140
2,209,943
2,200,679
2,191,347
2,181,948
2,172,481
2,162,946
2,153,341
2,143,667
2,133,922
2,124,107
2,114,220
2,104,262
2,094,232
2,084,129
2,073,953
2,063,703
2,053,379
2,042,980
2,032,505
2,021,955
2,011,328
2,000,624
1,989,842
1,978,982
1,968,044

22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66

300,719,034
300,085,536
299,447,445
261,822,765
261,175,388
260,523,318
259,866,520
259,204,961
258,538,605
257,867,418
257,191,365
256,510,411
255,824,520
255,133,655
254,437,783
216,754,902
216,048,903
215,337,785
214,621,511
213,900,044
213,173,347
212,441,381
211,704,109
210,961,491
210,213,489
209,460,065
208,701,178
170,954,826
170,184,895
169,409,382
168,628,247
167,841,448
167,048,945
166,250,697
165,446,661
164,636,796
163,821,060
162,999,409
162,171,801
124,356,231
123,516,580
122,670,841
121,818,970
120,960,924
120,096,656

633,498
638,091
37,624,680
647,377
652,070
656,798
661,560
666,356
671,187
676,053
680,954
685,891
690,864
695,873
37,682,881
706,000
711,118
716,274
721,467
726,697
731,966
737,273
742,618
748,002
753,425
758,887
37,746,352
769,931
775,513
781,135
786,799
792,503
798,248
804,036
809,865
815,737
821,651
827,608
37,815,571
839,651
845,739
851,870
858,047
864,267
870,533

2,448,332
2,443,739
2,439,113
2,434,454
2,429,760
2,425,033
2,420,271
2,415,474
2,410,643
2,405,777
2,400,876
2,395,939
2,390,966
2,385,957
2,380,912
2,375,831
2,370,712
2,365,557
2,360,364
2,355,133
2,349,864
2,344,558
2,339,212
2,333,829
2,328,405
2,322,943
2,317,441
2,311,899
2,306,317
2,300,695
2,295,032
2,289,327
2,283,582
2,277,794
2,271,965
2,266,094
2,260,180
2,254,223
2,248,222
2,242,179
2,236,091
2,229,960
2,223,784
2,217,563
2,211,297

1,957,026
1,945,928
1,934,750
1,923,491
1,912,150
1,900,727
1,889,221
1,877,632
1,865,958
1,854,200
1,842,357
1,830,428

67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111

119,226,123
118,349,278
117,466,076
116,576,471
115,680,417
114,777,866
76,886,808
75,971,123
75,048,799
74,119,787
73,184,041
72,241,511
71,292,147
70,335,900
69,372,720
68,402,558
67,425,361
66,441,080
28,467,701
27,469,096
26,463,251
25,450,114
24,429,632
23,401,751
22,366,418
21,323,579
20,273,179
19,215,164
18,149,478
17,076,067
0

876,845
883,202
889,605
896,055
902,551
37,891,057
915,685
922,324
929,011
935,746
942,531
949,364
956,247
963,180
970,163
977,196
984,281
37,973,380
998,605
1,005,845
1,013,137
1,020,482
1,027,881
1,035,333
1,042,839
1,050,400
1,058,015
1,065,686
1,073,412
17,076,067

2,204,986
2,198,628
2,192,225
2,185,776
2,179,279
2,172,736
2,166,145
2,159,506
2,152,819
2,146,084
2,139,300
2,132,466
2,125,583
2,118,651
2,111,668
2,104,634
2,097,549
2,090,413
2,083,225
2,075,986
2,068,693
2,061,348
2,053,949
2,046,497
2,038,991
2,031,431
2,023,815
2,016,145
2,008,418
2,000,636

112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156

157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201

202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240

Harga Rumah
Down Payment
atau

Diskon
Plafond KPR
Angsur / Tenor
atau

Bunga
Angsuran
min penghasilan
Total Nisbah
rasio nisbah
Total KPR

###
0%
0
50,000,000
85,000,000
10
120
8.25%
1,292,708
1,809,792
70,125,000
82.50%
155,125,000

rupiah
( DP )
rupiah
rupiah
rupiah)**
tahun (max. 20)
bulan
per tahun
per bulan)*
rupiah (+40%)*
rupiah
terhadap pokok
rupiah)**

Harga Rumah
Down Payment
atau

Diskon
Plafond KPR
Angsur / Tenor
atau

Bunga
Angsuran
min penghasilan
Total Nisbah
rasio nisbah
Total KPR

###
30%
95,400,000
0
###
15
180
8.25%
2,767,042
3,873,858
###
123.75%
498,067,500

rupiah
( DP )
rupiah
rupiah
rupiah)**
tahun (max. 20)
bulan
per tahun
per bulan)*
rupiah (+40%)*
rupiah
terhadap pokok
rupiah)**

Harga Rumah
Down Payment
atau

Diskon
Plafond KPR
Angsur / Tenor
atau

Bunga
Angsuran
min penghasilan
Total Nisbah
rasio nisbah
Total KPR

###
20%
63,600,000
0
###
15
180
8.25%
3,162,333
4,427,267
###
123.75%
569,220,000

rupiah
( DP )
rupiah
rupiah
rupiah)**
tahun (max. 20)
bulan
per tahun
per bulan)*
rupiah (+40%)*
rupiah
terhadap pokok
rupiah)**