TABEL ANGSURAN KPR TAKE OVER

Suku Bunga : 8.80%

0.73%
p.a. effektif Fix 1 TAHUN
JANGKA WAKTU MULTIGUNA
PLAFON Tahun 1 2 3 4 5 6 7 8 9 10
D MGM Bulan 12 24 36 48 60 72 84 96 108 120
50,000,000 4,367,938 2,279,652 1,585,337 1,239,509 1,033,071 896,322 799,388 727,333 671,857 627,980
55,000,000 4,804,732 2,507,617 1,743,870 1,363,460 1,136,378 985,954 879,327 800,066 739,043 690,778
60,000,000 5,241,525 2,735,582 1,902,404 1,487,411 1,239,685 1,075,586 959,266 872,800 806,228 753,576
65,000,000 5,678,319 2,963,547 2,060,938 1,611,362 1,342,993 1,165,218 1,039,205 945,533 873,414 816,373
70,000,000 6,115,113 3,191,512 2,219,471 1,735,313 1,446,300 1,254,850 1,119,143 1,018,266 940,600 879,171
75,000,000 6,551,907 3,419,477 2,378,005 1,859,264 1,549,607 1,344,483 1,199,082 1,090,999 1,007,785 941,969
80,000,000 6,988,701 3,647,443 2,536,539 1,983,215 1,652,914 1,434,115 1,279,021 1,163,733 1,074,971 1,004,767
85,000,000 7,425,494 3,875,408 2,695,072 2,107,166 1,756,221 1,523,747 1,358,960 1,236,466 1,142,157 1,067,565
90,000,000 7,862,288 4,103,373 2,853,606 2,231,117 1,859,528 1,613,379 1,438,899 1,309,199 1,209,342 1,130,363
95,000,000 8,299,082 4,331,338 3,012,140 2,355,067 1,962,835 1,703,011 1,518,838 1,381,933 1,276,528 1,193,161
100,000,000 8,735,876 4,559,303 3,170,673 2,479,018 2,066,142 1,792,644 1,598,776 1,454,666 1,343,714 1,255,959
110,000,000 9,609,463 5,015,234 3,487,741 2,726,920 2,272,757 1,971,908 1,758,654 1,600,133 1,478,085 1,381,555
115,000,000 10,046,257 5,243,199 3,646,274 2,850,871 2,376,064 2,061,540 1,838,593 1,672,866 1,545,271 1,444,353
120,000,000 10,483,051 5,471,164 3,804,808 2,974,822 2,479,371 2,151,172 1,918,532 1,745,599 1,612,456 1,507,151
125,000,000 10,919,845 5,699,129 3,963,341 3,098,773 2,582,678 2,240,804 1,998,470 1,818,332 1,679,642 1,569,949
130,000,000 11,356,639 5,927,094 4,121,875 3,222,724 2,685,985 2,330,437 2,078,409 1,891,066 1,746,828 1,632,747
135,000,000 11,793,432 6,155,059 4,280,409 3,346,675 2,789,292 2,420,069 2,158,348 1,963,799 1,814,014 1,695,545
140,000,000 12,230,226 6,383,025 4,438,942 3,470,626 2,892,599 2,509,701 2,238,287 2,036,532 1,881,199 1,758,343
145,000,000 12,667,020 6,610,990 4,597,476 3,594,577 2,995,906 2,599,333 2,318,226 2,109,266 1,948,385 1,821,141
150,000,000 13,103,814 6,838,955 4,756,010 3,718,528 3,099,214 2,688,965 2,398,164 2,181,999 2,015,571 1,883,939
155,000,000 13,540,608 7,066,920 4,914,543 3,842,479 3,202,521 2,778,598 2,478,103 2,254,732 2,082,756 1,946,737
160,000,000 13,977,401 7,294,885 5,073,077 3,966,429 3,305,828 2,868,230 2,558,042 2,327,465 2,149,942 2,009,535
200,000,000 17,471,752 9,118,607 6,341,346 4,958,037 4,132,285 3,585,287 3,197,553 2,909,332 2,687,427 2,511,918
250,000,000 21,839,690 11,398,258 7,926,683 6,197,546 5,165,356 4,481,609 3,996,941 3,636,665 3,359,284 3,139,898
300,000,000 26,207,627 13,677,910 9,512,020 7,437,055 6,198,427 5,377,931 4,796,329 4,363,998 4,031,141 3,767,878
350,000,000 30,575,565 15,957,562 11,097,356 8,676,564 7,231,498 6,274,252 5,595,717 5,091,331 4,702,998 4,395,857
400,000,000 34,943,503 18,237,213 12,682,693 9,916,074 8,264,569 7,170,574 6,395,105 5,818,664 5,374,855 5,023,837
450,000,000 39,311,441 20,516,865 14,268,029 11,155,583 9,297,641 8,066,896 7,194,493 6,545,997 6,046,712 5,651,816
500,000,000 43,679,379 22,796,517 15,853,366 12,395,092 10,330,712 8,963,218 7,993,882 7,273,330 6,718,569 6,279,796
550,000,000 48,047,317 25,076,168 17,438,703 13,634,601 11,363,783 9,859,540 8,793,270 8,000,663 7,390,426 6,907,776
600,000,000 52,415,255 27,355,820 19,024,039 14,874,110 12,396,854 10,755,861 9,592,658 8,727,996 8,062,282 7,535,755
650,000,000 56,783,193 29,635,472 20,609,376 16,113,620 13,429,925 11,652,183 10,392,046 9,455,329 8,734,139 8,163,735
700,000,000 61,151,131 31,915,123 22,194,712 17,353,129 14,462,996 12,548,505 11,191,434 10,182,662 9,405,996 8,791,714
750,000,000 65,519,069 34,194,775 23,780,049 18,592,638 15,496,068 13,444,827 11,990,822 10,909,995 10,077,853 9,419,694
800,000,000 69,887,007 36,474,427 25,365,385 19,832,147 16,529,139 14,341,148 12,790,211 11,637,327 10,749,710 10,047,674
850,000,000 74,254,944 38,754,078 26,950,722 21,071,656 17,562,210 15,237,470 13,589,599 12,364,660 11,421,567 10,675,653
900,000,000 78,622,882 41,033,730 28,536,059 22,311,166 18,595,281 16,133,792 14,388,987 13,091,993 12,093,424 11,303,633
950,000,000 82,990,820 43,313,382 30,121,395 23,550,675 19,628,352 17,030,114 15,188,375 13,819,326 12,765,281 11,931,612
1,000,000,000 87,358,758 45,593,033 31,706,732 24,790,184 20,661,424 17,926,436 15,987,763 14,546,659 13,437,137 12,559,592

Cara membaca daftar angsuran :

Tanya : Berapa angsuran pinjaman karyawan untuk kredit Rp. 200 juta dengan jangka waktu 10 tahun ?
Jawab : Pertemukan kolom kredit Rp. 200 juta dengan jangka waktu 10 tahun (120 bulan), maka angsuran per bulan adalah Rp. 1,632,747 ,-

KOEFISIEN ANGSURAN PINJAMAN

JANGKA WAKTU (TAHUN)
1 2 3 4 5 6 7 8 9 10
NILAI KOEFISIEN 0.087358758 0.045593033 0.0317067319 0.024790184 0.020661424 0.0179264356 0.015987763 0.014546659 0.013437137 0.012559592

Contoh perhitungan dengan angka koefisien :

Tanya : Pinjaman Karyawan Rp. 250 Juta, Jangka waktu 5 tahun. Berapa angsurannya per bulan ?
Jawab : Angsuran/bulan adalah Rp. 250,000,000 dikalikan dgn. 0.020661424 (koefisien utk 5 tahun) = Rp. 5,165,356
 30.25% Suku Bunga :

K T A Mandiri Reguler
CICILAN PER BULAN
Limit Kredit
12 bulan 18 bulan 24 bulan 30 bulan 36 bulan
Sk. Bunga Flat/bln 1.43% 1.42% 1.44% 1.46% 1.48%
Factor Rate 9.76% 6.98% 5.60% 4.79% 4.26%

5,000,000 488,051 348,976 280,208 239,552 212,943

10,000,000 976,101 697,953 560,416 479,105 425,886
15,000,000 1,464,152 1,046,929 840,624 718,657 638,829
25,000,000 2,440,254 1,744,882 1,401,040 1,197,761 1,064,716
50,000,000 4,880,507 3,489,764 2,802,079 2,395,523 2,129,431
75,000,000 7,320,761 5,234,646 4,203,119 3,593,284 3,194,147
100,000,000 9,761,014 6,979,529 5,604,159 4,791,046 4,258,862
150,000,000 14,641,521 10,469,293 8,406,238 7,186,569 6,388,293
200,000,000 19,522,028 13,959,057 11,208,318 9,582,091 8,517,724
 TABEL ANGSURAN KPR TAKE OVER
Suku Bunga : 10.75%
0.90%
p.a Effektif fix 1 tahun

PLAFOND JANGKA WAKTU KPR

Tahun 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
KPR Bulan 12 24 36 48 60 72 84 96 108 120 132 144 156 168 180
50,000,000 4,413,254 2,324,593 1,631,023 1,286,214 1,080,898 945,314 849,564 778,695 724,400 681,693 647,400 619,402 596,234 576,848 560,474
75,000,000 6,619,882 3,486,889 2,446,534 1,929,321 1,621,347 1,417,971 1,274,345 1,168,043 1,086,601 1,022,540 971,099 929,103 894,351 865,272 840,711
100,000,000 8,826,509 4,649,185 3,262,045 2,572,428 2,161,795 1,890,628 1,699,127 1,557,390 1,448,801 1,363,387 1,294,799 1,238,804 1,192,469 1,153,696 1,120,948
125,000,000 11,033,136 5,811,482 4,077,557 3,215,535 2,702,244 2,363,285 2,123,909 1,946,738 1,811,001 1,704,234 1,618,499 1,548,505 1,490,586 1,442,120 1,401,185
150,000,000 13,239,763 6,973,778 4,893,068 3,858,642 3,242,693 2,835,942 2,548,691 2,336,085 2,173,201 2,045,080 1,942,199 1,858,206 1,788,703 1,730,544 1,681,422
175,000,000 15,446,390 8,136,075 5,708,579 4,501,750 3,783,142 3,308,599 2,973,472 2,725,433 2,535,402 2,385,927 2,265,899 2,167,907 2,086,820 2,018,968 1,961,659
200,000,000 17,653,018 9,298,371 6,524,091 5,144,857 4,323,591 3,781,256 3,398,254 3,114,780 2,897,602 2,726,774 2,589,599 2,477,609 2,384,937 2,307,392 2,241,896
225,000,000 19,859,645 10,460,667 7,339,602 5,787,964 4,864,040 4,253,913 3,823,036 3,504,128 3,259,802 3,067,620 2,913,298 2,787,310 2,683,054 2,595,816 2,522,133
250,000,000 22,066,272 11,622,964 8,155,113 6,431,071 5,404,488 4,726,569 4,247,818 3,893,476 3,622,002 3,408,467 3,236,998 3,097,011 2,981,172 2,884,240 2,802,370
275,000,000 24,272,899 12,785,260 8,970,625 7,074,178 5,944,937 5,199,226 4,672,600 4,282,823 3,984,203 3,749,314 3,560,698 3,406,712 3,279,289 3,172,664 3,082,607
300,000,000 26,479,526 13,947,556 9,786,136 7,717,285 6,485,386 5,671,883 5,097,381 4,672,171 4,346,403 4,090,160 3,884,398 3,716,413 3,577,406 3,461,088 3,362,844
325,000,000 28,686,154 15,109,853 10,601,647 8,360,392 7,025,835 6,144,540 5,522,163 5,061,518 4,708,603 4,431,007 4,208,098 4,026,114 3,875,523 3,749,512 3,643,081
350,000,000 30,892,781 16,272,149 11,417,159 9,003,499 7,566,284 6,617,197 5,946,945 5,450,866 5,070,803 4,771,854 4,531,798 4,335,815 4,173,640 4,037,936 3,923,318
375,000,000 33,099,408 17,434,446 12,232,670 9,646,606 8,106,733 7,089,854 6,371,727 5,840,213 5,433,004 5,112,701 4,855,497 4,645,516 4,471,757 4,326,360 4,203,555
400,000,000 35,306,035 18,596,742 13,048,181 10,289,713 8,647,181 7,562,511 6,796,509 6,229,561 5,795,204 5,453,547 5,179,197 4,955,217 4,769,875 4,614,784 4,483,792
425,000,000 37,512,662 19,759,038 13,863,693 10,932,820 9,187,630 8,035,168 7,221,290 6,618,909 6,157,404 5,794,394 5,502,897 5,264,918 5,067,992 4,903,208 4,764,029
450,000,000 39,719,290 20,921,335 14,679,204 11,575,927 9,728,079 8,507,825 7,646,072 7,008,256 6,519,604 6,135,241 5,826,597 5,574,619 5,366,109 5,191,632 5,044,266
475,000,000 41,925,917 22,083,631 15,494,715 12,219,034 10,268,528 8,980,482 8,070,854 7,397,604 6,881,805 6,476,087 6,150,297 5,884,320 5,664,226 5,480,056 5,324,503
500,000,000 44,132,544 23,245,927 16,310,227 12,862,142 10,808,977 9,453,139 8,495,636 7,786,951 7,244,005 6,816,934 6,473,997 6,194,021 5,962,343 5,768,480 5,604,740
525,000,000 46,339,171 24,408,224 17,125,738 13,505,249 11,349,426 9,925,796 8,920,417 8,176,299 7,606,205 7,157,781 6,797,696 6,503,722 6,260,460 6,056,904 5,884,977
550,000,000 48,545,799 25,570,520 17,941,249 14,148,356 11,889,875 10,398,453 9,345,199 8,565,646 7,968,405 7,498,627 7,121,396 6,813,424 6,558,577 6,345,328 6,165,214
575,000,000 50,752,426 26,732,817 18,756,761 14,791,463 12,430,323 10,871,110 9,769,981 8,954,994 8,330,605 7,839,474 7,445,096 7,123,125 6,856,695 6,633,752 6,445,451
600,000,000 52,959,053 27,895,113 19,572,272 15,434,570 12,970,772 11,343,767 10,194,763 9,344,341 8,692,806 8,180,321 7,768,796 7,432,826 7,154,812 6,922,176 6,725,688
625,000,000 55,165,680 29,057,409 20,387,783 16,077,677 13,511,221 11,816,424 10,619,545 9,733,689 9,055,006 8,521,168 8,092,496 7,742,527 7,452,929 7,210,600 7,005,925
650,000,000 57,372,307 30,219,706 21,203,295 16,720,784 14,051,670 12,289,081 11,044,326 10,123,037 9,417,206 8,862,014 8,416,196 8,052,228 7,751,046 7,499,024 7,286,162
675,000,000 59,578,935 31,382,002 22,018,806 17,363,891 14,592,119 12,761,738 11,469,108 10,512,384 9,779,406 9,202,861 8,739,895 8,361,929 8,049,163 7,787,448 7,566,399
700,000,000 61,785,562 32,544,298 22,834,317 18,006,998 15,132,568 13,234,395 11,893,890 10,901,732 10,141,607 9,543,708 9,063,595 8,671,630 8,347,280 8,075,872 7,846,636
725,000,000 63,992,189 33,706,595 23,649,829 18,650,105 15,673,016 13,707,051 12,318,672 11,291,079 10,503,807 9,884,554 9,387,295 8,981,331 8,645,398 8,364,296 8,126,873
750,000,000 66,198,816 34,868,891 24,465,340 19,293,212 16,213,465 14,179,708 12,743,453 11,680,427 10,866,007 10,225,401 9,710,995 9,291,032 8,943,515 8,652,720 8,407,110
775,000,000 68,405,443 36,031,187 25,280,851 19,936,319 16,753,914 14,652,365 13,168,235 12,069,774 11,228,207 10,566,248 10,034,695 9,600,733 9,241,632 8,941,144 8,687,347
800,000,000 70,612,071 37,193,484 26,096,363 20,579,426 17,294,363 15,125,022 13,593,017 12,459,122 11,590,408 10,907,094 10,358,395 9,910,434 9,539,749 9,229,568 8,967,584
850,000,000 75,025,325 39,518,077 27,727,385 21,865,641 18,375,261 16,070,336 14,442,581 13,237,817 12,314,808 11,588,788 11,005,794 10,529,836 10,135,983 9,806,416 9,528,058
900,000,000 79,438,579 41,842,669 29,358,408 23,151,855 19,456,158 17,015,650 15,292,144 14,016,512 13,039,209 12,270,481 11,653,194 11,149,239 10,732,218 10,383,264 10,088,532
950,000,000 83,851,834 44,167,262 30,989,431 24,438,069 20,537,056 17,960,964 16,141,708 14,795,207 13,763,609 12,952,175 12,300,594 11,768,641 11,328,452 10,960,112 10,649,006
1,000,000,000 88,265,088 46,491,855 32,620,453 25,724,283 21,617,954 18,906,278 16,991,271 15,573,902 14,488,010 13,633,868 12,947,993 12,388,043 11,924,686 11,536,960 11,209,480
1,100,000,000 97,091,597 51,141,040 35,882,499 28,296,711 23,779,749 20,796,906 18,690,398 17,131,293 15,936,811 14,997,255 14,242,793 13,626,847 13,117,155 12,690,656 12,330,428
1,500,000,000 132,397,632 69,737,782 48,930,680 38,586,425 32,426,931 28,359,417 25,486,907 23,360,854 21,732,014 20,450,802 19,421,990 18,582,064 17,887,029 17,305,440 16,814,220
1,700,000,000 150,050,650 79,036,153 55,454,771 43,731,281 36,750,521 32,140,672 28,885,161 26,475,634 24,629,616 23,177,576 22,011,589 21,059,673 20,271,967 19,612,832 19,056,116
5,000,000,000 441,325,441 232,459,274 163,102,266 128,621,415 108,089,768 94,531,390 84,956,357 77,869,512 72,440,048 68,169,340 64,739,967 61,940,214 59,623,431 57,684,800 56,047,399

Cara membaca daftar angsuran :

Tanya : Berapa angsuran pinjaman karyawan untuk kredit Rp. 200 juta dengan jangka waktu 10 tahun ?
Jawab : Pertemukan kolom kredit Rp. 200 juta dengan jangka waktu 10 tahun (120 bulan), maka angsuran per bulan adalah Rp. 2,726,774 ,-

KOEFISIEN ANGSURAN PINJAMAN

JANGKA WAKTU (TAHUN)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
NILAI KOEFISIEN 0.0882650882 0.0464918548 0.0326204532 0.0257242831 0.0216179537 0.0189062779 0.016991271 0.015573902 0.01448801 0.013633868 0.0129479933 0.012388043 0.01192469 0.01153696 0.01120948

Contoh perhitungan dengan angka koefisien :

Tanya : Pinjaman Karyawan Rp. 200 Juta, Jangka waktu 5 tahun. Berapa angsurannya per bulan ?
Jawab : Angsuran/bulan adalah Rp. 200,000,000 dikalikan dgn. 0.0216179537 (koefisien utk 5 tahun) = Rp. 4,323,591
 21.00%

K T A Payroll & Take Over

CICILAN PER BULAN
Limit Kredit
12 bulan 18 bulan 24 bulan 30 bulan 36 bulan 42 bulan 48 bulan 54 bulan 60 bulan

Sk. Bunga Flat/bln 0.98% 0.97% 0.97% 0.98% 0.99% 1.00% 1.01% 1.03% 1.04%
Factor Rate 9.31% 6.52% 5.14% 4.31% 3.77% 3.38% 3.10% 2.88% 2.71%

5,000,000 465,569 326,225 256,928 215,649 188,375 169,103 154,828 143,884 135,267

10,000,000 931,138 652,449 513,857 431,298 376,751 338,206 309,657 287,767 270,534

15,000,000 1,396,707 978,674 770,785 646,946 565,126 507,309 464,485 431,651 405,800

25,000,000 2,327,844 1,631,123 1,284,641 1,078,244 941,877 845,514 774,142 719,418 676,334

50,000,000 4,655,689 3,262,246 2,569,283 2,156,488 1,883,753 1,691,029 1,548,285 1,438,836 1,352,668

75,000,000 6,983,533 4,893,369 3,853,924 3,234,732 2,825,630 2,536,543 2,322,427 2,158,254 2,029,002

100,000,000 9,311,377 6,524,492 5,138,565 4,312,975 3,767,507 3,382,057 3,096,569 2,877,672 2,705,336

150,000,000 13,967,066 9,786,739 7,707,848 6,469,463 5,651,260 5,073,086 4,644,854 4,316,508 4,058,004

200,000,000 18,622,755 13,048,985 10,277,130 8,625,951 7,535,013 6,764,115 6,193,139 5,755,343 5,410,672
 TABEL ANGSURAN KPR MANDIRI SECONDARY
Suku Bunga : 85.00%
7.08%
p.a. effektif fixed 1 TAHUN

PLAFOND JANGKA WAKTU KPR

Tahun 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
KPR Bulan 12 24 36 48 60 72 84 96 108 120 132 144 156 168 180
50,000,000 6,323,086 4,391,388 3,871,166 3,679,429 3,600,974 3,567,512 3,552,990 3,546,638 3,543,852 3,542,628 3,542,089 3,541,853 3,541,748 3,541,703 3,541,682
75,000,000 9,484,630 6,587,082 5,806,748 5,519,143 5,401,461 5,351,269 5,329,484 5,319,958 5,315,778 5,313,941 5,313,134 5,312,779 5,312,623 5,312,554 5,312,524
100,000,000 12,646,173 8,782,777 7,742,331 7,358,858 7,201,948 7,135,025 7,105,979 7,093,277 7,087,704 7,085,255 7,084,179 7,083,705 7,083,497 7,083,405 7,083,365
125,000,000 15,807,716 10,978,471 9,677,914 9,198,572 9,002,435 8,918,781 8,882,474 8,866,596 8,859,630 8,856,569 8,855,223 8,854,631 8,854,371 8,854,257 8,854,206
150,000,000 18,969,259 13,174,165 11,613,497 11,038,287 10,802,921 10,702,537 10,658,969 10,639,915 10,631,556 10,627,883 10,626,268 10,625,558 10,625,245 10,625,108 10,625,047
175,000,000 22,130,803 15,369,859 13,549,080 12,878,001 12,603,408 12,486,294 12,435,463 12,413,235 12,403,482 12,399,197 12,397,313 12,396,484 12,396,120 12,395,959 12,395,889
200,000,000 25,292,346 17,565,553 15,484,662 14,717,715 14,403,895 14,270,050 14,211,958 14,186,554 14,175,408 14,170,510 14,168,357 14,167,410 14,166,994 14,166,811 14,166,730
225,000,000 28,453,889 19,761,247 17,420,245 16,557,430 16,204,382 16,053,806 15,988,453 15,959,873 15,947,334 15,941,824 15,939,402 15,938,337 15,937,868 15,937,662 15,937,571
250,000,000 31,615,432 21,956,942 19,355,828 18,397,144 18,004,869 17,837,562 17,764,948 17,733,192 17,719,260 17,713,138 17,710,447 17,709,263 17,708,742 17,708,513 17,708,412
275,000,000 34,776,976 24,152,636 21,291,411 20,236,859 19,805,356 19,621,319 19,541,442 19,506,512 19,491,186 19,484,452 19,481,491 19,480,189 19,479,616 19,479,364 19,479,254
300,000,000 37,938,519 26,348,330 23,226,994 22,076,573 21,605,843 21,405,075 21,317,937 21,279,831 21,263,112 21,255,766 21,252,536 21,251,115 21,250,491 21,250,216 21,250,095
325,000,000 41,100,062 28,544,024 25,162,576 23,916,288 23,406,330 23,188,831 23,094,432 23,053,150 23,035,038 23,027,079 23,023,580 23,022,042 23,021,365 23,021,067 23,020,936
350,000,000 44,261,605 30,739,718 27,098,159 25,756,002 25,206,817 24,972,587 24,870,927 24,826,469 24,806,964 24,798,393 24,794,625 24,792,968 24,792,239 24,791,918 24,791,777
375,000,000 47,423,148 32,935,412 29,033,742 27,595,717 27,007,304 26,756,344 26,647,421 26,599,789 26,578,890 26,569,707 26,565,670 26,563,894 26,563,113 26,562,770 26,562,619
400,000,000 50,584,692 35,131,107 30,969,325 29,435,431 28,807,791 28,540,100 28,423,916 28,373,108 28,350,816 28,341,021 28,336,714 28,334,821 28,333,988 28,333,621 28,333,460
425,000,000 53,746,235 37,326,801 32,904,908 31,275,145 30,608,277 30,323,856 30,200,411 30,146,427 30,122,742 30,112,335 30,107,759 30,105,747 30,104,862 30,104,472 30,104,301
450,000,000 56,907,778 39,522,495 34,840,490 33,114,860 32,408,764 32,107,612 31,976,906 31,919,746 31,894,668 31,883,649 31,878,804 31,876,673 31,875,736 31,875,324 31,875,142
475,000,000 60,069,321 41,718,189 36,776,073 34,954,574 34,209,251 33,891,368 33,753,400 33,693,066 33,666,594 33,654,962 33,649,848 33,647,599 33,646,610 33,646,175 33,645,984
500,000,000 63,230,865 43,913,883 38,711,656 36,794,289 36,009,738 35,675,125 35,529,895 35,466,385 35,438,520 35,426,276 35,420,893 35,418,526 35,417,484 35,417,026 35,416,825
525,000,000 66,392,408 46,109,577 40,647,239 38,634,003 37,810,225 37,458,881 37,306,390 37,239,704 37,210,446 37,197,590 37,191,938 37,189,452 37,188,359 37,187,878 37,187,666
550,000,000 69,553,951 48,305,271 42,582,822 40,473,718 39,610,712 39,242,637 39,082,885 39,013,023 38,982,372 38,968,904 38,962,982 38,960,378 38,959,233 38,958,729 38,958,507
575,000,000 72,715,494 50,500,966 44,518,404 42,313,432 41,411,199 41,026,393 40,859,379 40,786,343 40,754,298 40,740,218 40,734,027 40,731,305 40,730,107 40,729,580 40,729,349
600,000,000 75,877,038 52,696,660 46,453,987 44,153,146 43,211,686 42,810,150 42,635,874 42,559,662 42,526,224 42,511,531 42,505,072 42,502,231 42,500,981 42,500,432 42,500,190
625,000,000 79,038,581 54,892,354 48,389,570 45,992,861 45,012,173 44,593,906 44,412,369 44,332,981 44,298,150 44,282,845 44,276,116 44,273,157 44,271,855 44,271,283 44,271,031
650,000,000 82,200,124 57,088,048 50,325,153 47,832,575 46,812,660 46,377,662 46,188,864 46,106,300 46,070,076 46,054,159 46,047,161 46,044,083 46,042,730 46,042,134 46,041,872
675,000,000 85,361,667 59,283,742 52,260,736 49,672,290 48,613,147 48,161,418 47,965,359 47,879,620 47,842,002 47,825,473 47,818,206 47,815,010 47,813,604 47,812,986 47,812,714
700,000,000 88,523,210 61,479,436 54,196,318 51,512,004 50,413,633 49,945,175 49,741,853 49,652,939 49,613,928 49,596,787 49,589,250 49,585,936 49,584,478 49,583,837 49,583,555
725,000,000 91,684,754 63,675,131 56,131,901 53,351,719 52,214,120 51,728,931 51,518,348 51,426,258 51,385,854 51,368,100 51,360,295 51,356,862 51,355,352 51,354,688 51,354,396
750,000,000 94,846,297 65,870,825 58,067,484 55,191,433 54,014,607 53,512,687 53,294,843 53,199,577 53,157,780 53,139,414 53,131,340 53,127,789 53,126,227 53,125,540 53,125,237
775,000,000 98,007,840 68,066,519 60,003,067 57,031,148 55,815,094 55,296,443 55,071,338 54,972,897 54,929,706 54,910,728 54,902,384 54,898,715 54,897,101 54,896,391 54,896,079
800,000,000 101,169,383 70,262,213 61,938,650 58,870,862 57,615,581 57,080,200 56,847,832 56,746,216 56,701,632 56,682,042 56,673,429 56,669,641 56,667,975 56,667,242 56,666,920
850,000,000 107,492,470 74,653,601 65,809,815 62,550,291 61,216,555 60,647,712 60,400,822 60,292,854 60,245,484 60,224,669 60,215,518 60,211,494 60,209,723 60,208,945 60,208,602
900,000,000 113,815,556 79,044,990 69,680,981 66,229,720 64,817,529 64,215,224 63,953,811 63,839,493 63,789,336 63,767,297 63,757,608 63,753,346 63,751,472 63,750,647 63,750,285
950,000,000 120,138,643 83,436,378 73,552,146 69,909,149 68,418,503 67,782,737 67,506,801 67,386,131 67,333,187 67,309,925 67,299,697 67,295,199 67,293,220 67,292,350 67,291,967
1,000,000,000 126,461,729 87,827,766 77,423,312 73,588,577 72,019,476 71,350,249 71,059,790 70,932,770 70,877,039 70,852,552 70,841,786 70,837,051 70,834,969 70,834,053 70,833,650
1,100,000,000 139,107,902 96,610,543 85,165,643 80,947,435 79,221,424 78,485,274 78,165,769 78,026,047 77,964,743 77,937,808 77,925,965 77,920,756 77,918,466 77,917,458 77,917,015
1,500,000,000 189,692,594 131,741,649 116,134,968 110,382,866 108,029,215 107,025,374 106,589,686 106,399,155 106,315,559 106,278,828 106,262,679 ### 106,252,453 ### 106,250,475
1,700,000,000 214,984,940 149,307,203 131,619,630 125,100,582 122,433,110 121,295,424 120,801,644 120,585,709 120,490,967 120,449,339 120,431,036 ### 120,419,447 ### 120,417,205
5,000,000,000 632,308,646 439,138,832 387,116,560 367,942,887 360,097,382 356,751,247 355,298,952 354,663,850 354,385,197 354,262,761 354,208,931 ### 354,174,844 ### 354,168,249

Cara membaca daftar angsuran :

Tanya : Berapa angsuran pinjaman karyawan untuk kredit Rp. 200 juta dengan jangka waktu 10 tahun ?
Jawab : Pertemukan kolom kredit Rp. 200 juta dengan jangka waktu 10 tahun (120 bulan), maka angsuran per bulan adalah Rp. 14,170,510 ,-

KOEFISIEN ANGSURAN PINJAMAN

JANGKA WAKTU (TAHUN)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
NILAI KOEFISIEN 0.126461729 0.087827766 0.077423312 0.0735885775 0.0720194764 0.0713502494 0.07105979 0.0709327699 0.0708770395 0.0708525523 0.0708417861 0.07083705 0.070834969 0.07083405 0.0708336498

Contoh perhitungan dengan angka koefisien :

Tanya : Pinjaman Karyawan Rp. 200 Juta, Jangka waktu 5 tahun. Berapa angsurannya per bulan ?
Jawab : Angsuran/bulan adalah Rp. 200,000,000 dikalikan dgn. 0.0720194764 (koefisien utk 5 tahun) = Rp. 14,403,895
 TABEL ANGSURAN MULTIGUNA
Suku Bunga : 11.50%
0.96%
p.a. effektif Fix 6 bln
JANGKA WAKTU MULTIGUNA
PLAFON Tahun 1 2 3 4 5 6 7 8 9 10
D MGM Bulan 12 24 36 48 60 72 84 96 108 120
50,000,000 4,430,753 2,342,016 1,648,800 1,304,450 1,099,630 964,558 869,323 798,969 745,183 702,977
55,000,000 4,873,828 2,576,217 1,813,680 1,434,895 1,209,593 1,061,014 956,255 878,866 819,701 773,275
60,000,000 5,316,903 2,810,419 1,978,560 1,565,341 1,319,556 1,157,469 1,043,188 958,762 894,220 843,573
65,000,000 5,759,979 3,044,620 2,143,440 1,695,786 1,429,519 1,253,925 1,130,120 1,038,659 968,738 913,870
70,000,000 6,203,054 3,278,822 2,308,320 1,826,231 1,539,483 1,350,381 1,217,052 1,118,556 1,043,256 984,168
75,000,000 6,646,129 3,513,024 2,473,200 1,956,676 1,649,446 1,446,837 1,303,985 1,198,453 1,117,775 1,054,466
80,000,000 7,089,204 3,747,225 2,638,081 2,087,121 1,759,409 1,543,292 1,390,917 1,278,350 1,192,293 1,124,764
85,000,000 7,532,280 3,981,427 2,802,961 2,217,566 1,869,372 1,639,748 1,477,849 1,358,247 1,266,811 1,195,061
90,000,000 7,975,355 4,215,628 2,967,841 2,348,011 1,979,335 1,736,204 1,564,781 1,438,144 1,341,329 1,265,359
95,000,000 8,418,430 4,449,830 3,132,721 2,478,456 2,089,298 1,832,660 1,651,714 1,518,041 1,415,848 1,335,657
100,000,000 8,861,505 4,684,032 3,297,601 2,608,901 2,199,261 1,929,116 1,738,646 1,597,937 1,490,366 1,405,954
110,000,000 9,747,656 5,152,435 3,627,361 2,869,791 2,419,187 2,122,027 1,912,511 1,757,731 1,639,403 1,546,550
115,000,000 10,190,731 5,386,636 3,792,241 3,000,236 2,529,150 2,218,483 1,999,443 1,837,628 1,713,921 1,616,848
120,000,000 10,633,806 5,620,838 3,957,121 3,130,681 2,639,113 2,314,939 2,086,375 1,917,525 1,788,439 1,687,145
125,000,000 11,076,882 5,855,039 4,122,001 3,261,126 2,749,076 2,411,395 2,173,308 1,997,422 1,862,958 1,757,443
130,000,000 11,519,957 6,089,241 4,286,881 3,391,571 2,859,039 2,507,850 2,260,240 2,077,319 1,937,476 1,827,741
135,000,000 11,963,032 6,323,443 4,451,761 3,522,016 2,969,002 2,604,306 2,347,172 2,157,215 2,011,994 1,898,038
140,000,000 12,406,108 6,557,644 4,616,641 3,652,461 3,078,965 2,700,762 2,434,105 2,237,112 2,086,512 1,968,336
145,000,000 12,849,183 6,791,846 4,781,521 3,782,906 3,188,928 2,797,218 2,521,037 2,317,009 2,161,031 2,038,634
150,000,000 13,292,258 7,026,047 4,946,401 3,913,351 3,298,891 2,893,673 2,607,969 2,396,906 2,235,549 2,108,932
155,000,000 13,735,333 7,260,249 5,111,281 4,043,796 3,408,854 2,990,129 2,694,901 2,476,803 2,310,067 2,179,229
160,000,000 14,178,409 7,494,450 5,276,161 4,174,241 3,518,817 3,086,585 2,781,834 2,556,700 2,384,586 2,249,527
200,000,000 17,723,011 9,368,063 6,595,201 5,217,802 4,398,521 3,858,231 3,477,292 3,195,875 2,980,732 2,811,909
250,000,000 22,153,763 11,710,079 8,244,002 6,522,252 5,498,152 4,822,789 4,346,615 3,994,843 3,725,915 3,514,886
300,000,000 26,584,516 14,052,095 9,892,802 7,826,703 6,597,782 5,787,347 5,215,938 4,793,812 4,471,098 4,217,863
350,000,000 31,015,269 16,394,110 11,541,602 9,131,153 7,697,413 6,751,905 6,085,261 5,592,781 5,216,281 4,920,841
400,000,000 35,446,022 18,736,126 13,190,403 10,435,604 8,797,043 7,716,462 6,954,584 6,391,750 5,961,464 5,623,818
450,000,000 39,876,774 21,078,142 14,839,203 11,740,054 9,896,673 8,681,020 7,823,907 7,190,718 6,706,647 6,326,795
500,000,000 44,307,527 23,420,158 16,488,003 13,044,504 10,996,304 9,645,578 8,693,230 7,989,687 7,451,830 7,029,772
550,000,000 48,738,280 25,762,173 18,136,804 14,348,955 12,095,934 10,610,136 9,562,553 8,788,656 8,197,013 7,732,749
600,000,000 53,169,032 28,104,189 19,785,604 15,653,405 13,195,564 11,574,694 10,431,876 9,587,624 8,942,196 8,435,727
650,000,000 57,599,785 30,446,205 21,434,404 16,957,856 14,295,195 12,539,252 11,301,200 10,386,593 9,687,379 9,138,704
700,000,000 62,030,538 32,788,221 23,083,205 18,262,306 15,394,825 13,503,809 12,170,523 11,185,562 10,432,562 9,841,681
750,000,000 66,461,290 35,130,236 24,732,005 19,566,757 16,494,456 14,468,367 13,039,846 11,984,530 11,177,745 10,544,658
800,000,000 70,892,043 37,472,252 26,380,805 20,871,207 17,594,086 15,432,925 13,909,169 12,783,499 11,922,928 11,247,636
850,000,000 75,322,796 39,814,268 28,029,605 22,175,658 18,693,716 16,397,483 14,778,492 13,582,468 12,668,111 11,950,613
900,000,000 79,753,548 42,156,284 29,678,406 23,480,108 19,793,347 17,362,041 15,647,815 14,381,436 13,413,294 12,653,590
950,000,000 84,184,301 44,498,300 31,327,206 24,784,558 20,892,977 18,326,598 16,517,138 15,180,405 14,158,477 13,356,567
1,000,000,000 88,615,054 46,840,315 32,976,006 26,089,009 21,992,607 19,291,156 17,386,461 15,979,374 14,903,660 14,059,544

Cara membaca daftar angsuran :

Tanya : Berapa angsuran pinjaman karyawan untuk kredit Rp. 200 juta dengan jangka waktu 10 tahun ?
Jawab : Pertemukan kolom kredit Rp. 200 juta dengan jangka waktu 10 tahun (120 bulan), maka angsuran per bulan adalah Rp. 1,827,741 ,-

KOEFISIEN ANGSURAN PINJAMAN

JANGKA WAKTU (TAHUN)
1 2 3 4 5 6 7 8 9 10
NILAI KOEFISIEN 0.088615054 0.046840315 0.0329760064 0.0260890089 0.021992607 0.0192911562 0.017386461 0.015979374 0.01490366 0.014059544

Contoh perhitungan dengan angka koefisien :

Tanya : Pinjaman Karyawan Rp. 250 Juta, Jangka waktu 5 tahun. Berapa angsurannya per bulan ?
Jawab : Angsuran/bulan adalah Rp. 250,000,000 dikalikan dgn. 0.021992607 (koefisien utk 5 tahun) = Rp. 5,498,152