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SIMULASI KREDIT: BUNGA EFEKTIF VS BUNGA FLAT
Note: Kolom berwarna kuning bisa diubah untuk simulasi
BUNGA EFEKTIF

100,000,000
15.00% per tahun
10 tahun

Hutang
Bunga
Periode

Total Bayar
Cicilan
Total Bunga

Tabel Cicilan Dengan Perhitungan Bunga Efektif


Bulan
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38

Pokok
363,349.57
367,891.44
372,490.08
377,146.21
381,860.54
386,633.79
391,466.72
396,360.05
401,314.55
406,330.98
411,410.12
416,552.75
421,759.66
427,031.65
432,369.55
437,774.17
443,246.34
448,786.92
454,396.76
460,076.72
465,827.68
471,650.52
477,546.16
483,515.48
489,559.43
495,678.92
501,874.91
508,148.34
514,500.20
520,931.45
527,443.09
534,036.13
540,711.58
547,470.48
554,313.86
561,242.78
568,258.32
575,361.54

Bunga
1,250,000.00
1,245,458.13
1,240,859.49
1,236,203.36
1,231,489.03
1,226,715.78
1,221,882.85
1,216,989.52
1,212,035.02
1,207,018.59
1,201,939.45
1,196,796.82
1,191,589.91
1,186,317.92
1,180,980.02
1,175,575.40
1,170,103.23
1,164,562.65
1,158,952.81
1,153,272.85
1,147,521.89
1,141,699.05
1,135,803.42
1,129,834.09
1,123,790.14
1,117,670.65
1,111,474.67
1,105,201.23
1,098,849.38
1,092,418.12
1,085,906.48
1,079,313.44
1,072,637.99
1,065,879.09
1,059,035.71
1,052,106.79
1,045,091.26
1,037,988.03

Total Cicilan
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57

193,601,948.49
1,613,349.57
93,601,948.49

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
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

582,553.56
589,835.48
597,208.43
604,673.53
612,231.95
619,884.85
627,633.41
635,478.83
643,422.31
651,465.09
659,608.41
667,853.51
676,201.68
684,654.20
693,212.38
701,877.53
710,651.00
719,534.14
728,528.32
737,634.92
746,855.36
756,191.05
765,643.44
775,213.98
784,904.16
794,715.46
804,649.40
814,707.52
824,891.36
835,202.50
845,642.54
856,213.07
866,915.73
877,752.18
888,724.08
899,833.13
911,081.04
922,469.56
934,000.43
945,675.43
957,496.38
969,465.08
981,583.39
993,853.19
1,006,276.35
1,018,854.81
1,031,590.49
1,044,485.37
1,057,541.44
1,070,760.71
1,084,145.22
1,097,697.03
1,111,418.24
1,125,310.97

1,030,796.01
1,023,514.09
1,016,141.14
1,008,676.04
1,001,117.62
993,464.72
985,716.16
977,870.74
969,927.26
961,884.48
953,741.16
945,496.06
937,147.89
928,695.37
920,137.19
911,472.04
902,698.57
893,815.43
884,821.25
875,714.65
866,494.21
857,158.52
847,706.13
838,135.59
828,445.42
818,634.11
808,700.17
798,642.05
788,458.21
778,147.07
767,707.04
757,136.50
746,433.84
735,597.39
724,625.49
713,516.44
702,268.53
690,880.01
679,349.14
667,674.14
655,853.20
643,884.49
631,766.18
619,496.38
607,073.22
594,494.77
581,759.08
568,864.20
555,808.13
542,588.86
529,204.36
515,652.54
501,931.33
488,038.60

1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57

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
Total

1,139,377.36
1,153,619.58
1,168,039.82
1,182,640.32
1,197,423.32
1,212,391.11
1,227,546.00
1,242,890.33
1,258,426.46
1,274,156.79
1,290,083.75
1,306,209.79
1,322,537.42
1,339,069.13
1,355,807.50
1,372,755.09
1,389,914.53
1,407,288.46
1,424,879.57
1,442,690.56
1,460,724.19
1,478,983.25
1,497,470.54
1,516,188.92
1,535,141.28
1,554,330.55
1,573,759.68
1,593,431.67
100,000,000.00

473,972.21
459,730.00
445,309.75
430,709.25
415,926.25
400,958.46
385,803.57
370,459.24
354,923.11
339,192.78
323,265.82
307,139.78
290,812.15
274,280.44
257,542.07
240,594.48
223,435.04
206,061.11
188,470.00
170,659.01
152,625.38
134,366.32
115,879.03
97,160.65
78,208.29
59,019.02
39,589.89
19,917.90
93,601,948.49

1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
1,613,349.57
193,601,948.49

BUNGA FLAT

100,000,000
7.50% per tahun
10 tahun

Hutang
Bunga
Periode

Total Bayar
Cicilan
Total Bunga

Tabel Cicilan Dengan Perhitungan Bunga Flat


Bulan
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38

Pokok
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33

Bunga
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97

Total Cicilan
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30

206,103,156.22
1,717,526.30
106,103,156.22

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
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

833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33

884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97

1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30

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

833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
833,333.33
100,000,000.00

884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
884,192.97
106,103,156.22

1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
1,717,526.30
206,103,156.22