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SIMULASI KREDIT: BUNGA EFEKTIF VS BUNGA FLAT

Note: Kolom berwarna kuning bisa diubah untuk simulasi

BUNGA EFEKTIF

Hutang 17,500,000 Total Bayar 23,356,670.07

Bunga 12.00% per tahun Cicilan 389,277.83
Periode 5 tahun Total Bunga 5,856,670.07

Tabel Cicilan Dengan Perhitungan Bunga Efektif

Bulan Pokok Bunga Total Cicilan

1 214,277.83 175,000.00 389,277.83
2 216,420.61 172,857.22 389,277.83
3 218,584.82 170,693.02 389,277.83
4 220,770.67 168,507.17 389,277.83
5 222,978.37 166,299.46 389,277.83
6 225,208.16 164,069.68 389,277.83
7 227,460.24 161,817.60 389,277.83
8 229,734.84 159,542.99 389,277.83
9 232,032.19 157,245.64 389,277.83
10 234,352.51 154,925.32 389,277.83
11 236,696.04 152,581.80 389,277.83
12 239,063.00 150,214.84 389,277.83
13 241,453.63 147,824.21 389,277.83
14 243,868.16 145,409.67 389,277.83
15 246,306.85 142,970.99 389,277.83
16 248,769.91 140,507.92 389,277.83
17 251,257.61 138,020.22 389,277.83
18 253,770.19 135,507.65 389,277.83
19 256,307.89 132,969.94 389,277.83
20 258,870.97 130,406.86 389,277.83
21 261,459.68 127,818.16 389,277.83
22 264,074.28 125,203.56 389,277.83
23 266,715.02 122,562.82 389,277.83
24 269,382.17 119,895.67 389,277.83
25 272,075.99 117,201.84 389,277.83
26 274,796.75 114,481.08 389,277.83
27 277,544.72 111,733.12 389,277.83
28 280,320.17 108,957.67 389,277.83
29 283,123.37 106,154.47 389,277.83
30 285,954.60 103,323.23 389,277.83
31 288,814.15 100,463.69 389,277.83
32 291,702.29 97,575.55 389,277.83
33 294,619.31 94,658.52 389,277.83
34 297,565.50 91,712.33 389,277.83
35 300,541.16 88,736.68 389,277.83
36 303,546.57 85,731.26 389,277.83
37 306,582.04 82,695.80 389,277.83
 38 309,647.86 79,629.98 389,277.83
39 312,744.34 76,533.50 389,277.83
40 315,871.78 73,406.06 389,277.83
41 319,030.50 70,247.34 389,277.83
42 322,220.80 67,057.03 389,277.83
43 325,443.01 63,834.82 389,277.83
44 328,697.44 60,580.39 389,277.83
45 331,984.41 57,293.42 389,277.83
46 335,304.26 53,973.58 389,277.83
47 338,657.30 50,620.53 389,277.83
48 342,043.87 47,233.96 389,277.83
49 345,464.31 43,813.52 389,277.83
50 348,918.96 40,358.88 389,277.83
51 352,408.15 36,869.69 389,277.83
52 355,932.23 33,345.61 389,277.83
53 359,491.55 29,786.29 389,277.83
54 363,086.46 26,191.37 389,277.83
55 366,717.33 22,560.51 389,277.83
56 370,384.50 18,893.33 389,277.83
57 374,088.35 15,189.49 389,277.83
58 377,829.23 11,448.60 389,277.83
59 381,607.52 7,670.31 389,277.83
60 385,423.60 3,854.24 389,277.83
Total 17,500,000.00 5,856,670.07 23,356,670.07
BUNGA FLAT

Hutang 100,000,000 Total Bayar 176,234,168.32

Bunga 12.00% per tahun Cicilan 2,937,236.14
Periode 5 tahun Total Bunga 76,234,168.32

Tabel Cicilan Dengan Perhitungan Bunga Flat

Bulan Pokok Bunga Total Cicilan

1 1,666,666.67 1,270,569.47 2,937,236.14
2 1,666,666.67 1,270,569.47 2,937,236.14
3 1,666,666.67 1,270,569.47 2,937,236.14
4 1,666,666.67 1,270,569.47 2,937,236.14
5 1,666,666.67 1,270,569.47 2,937,236.14
6 1,666,666.67 1,270,569.47 2,937,236.14
7 1,666,666.67 1,270,569.47 2,937,236.14
8 1,666,666.67 1,270,569.47 2,937,236.14
9 1,666,666.67 1,270,569.47 2,937,236.14
10 1,666,666.67 1,270,569.47 2,937,236.14
11 1,666,666.67 1,270,569.47 2,937,236.14
12 1,666,666.67 1,270,569.47 2,937,236.14
13 1,666,666.67 1,270,569.47 2,937,236.14
14 1,666,666.67 1,270,569.47 2,937,236.14
15 1,666,666.67 1,270,569.47 2,937,236.14
16 1,666,666.67 1,270,569.47 2,937,236.14
17 1,666,666.67 1,270,569.47 2,937,236.14
18 1,666,666.67 1,270,569.47 2,937,236.14
19 1,666,666.67 1,270,569.47 2,937,236.14
20 1,666,666.67 1,270,569.47 2,937,236.14
21 1,666,666.67 1,270,569.47 2,937,236.14
22 1,666,666.67 1,270,569.47 2,937,236.14
23 1,666,666.67 1,270,569.47 2,937,236.14
24 1,666,666.67 1,270,569.47 2,937,236.14
25 1,666,666.67 1,270,569.47 2,937,236.14
26 1,666,666.67 1,270,569.47 2,937,236.14
27 1,666,666.67 1,270,569.47 2,937,236.14
28 1,666,666.67 1,270,569.47 2,937,236.14
29 1,666,666.67 1,270,569.47 2,937,236.14
30 1,666,666.67 1,270,569.47 2,937,236.14
31 1,666,666.67 1,270,569.47 2,937,236.14
32 1,666,666.67 1,270,569.47 2,937,236.14
33 1,666,666.67 1,270,569.47 2,937,236.14
34 1,666,666.67 1,270,569.47 2,937,236.14
35 1,666,666.67 1,270,569.47 2,937,236.14
36 1,666,666.67 1,270,569.47 2,937,236.14
37 1,666,666.67 1,270,569.47 2,937,236.14
38 1,666,666.67 1,270,569.47 2,937,236.14
39 1,666,666.67 1,270,569.47 2,937,236.14
40 1,666,666.67 1,270,569.47 2,937,236.14
41 1,666,666.67 1,270,569.47 2,937,236.14
42 1,666,666.67 1,270,569.47 2,937,236.14
43 1,666,666.67 1,270,569.47 2,937,236.14
44 1,666,666.67 1,270,569.47 2,937,236.14
45 1,666,666.67 1,270,569.47 2,937,236.14
46 1,666,666.67 1,270,569.47 2,937,236.14
47 1,666,666.67 1,270,569.47 2,937,236.14
48 1,666,666.67 1,270,569.47 2,937,236.14
49 1,666,666.67 1,270,569.47 2,937,236.14
50 1,666,666.67 1,270,569.47 2,937,236.14
51 1,666,666.67 1,270,569.47 2,937,236.14
52 1,666,666.67 1,270,569.47 2,937,236.14
53 1,666,666.67 1,270,569.47 2,937,236.14
54 1,666,666.67 1,270,569.47 2,937,236.14
55 1,666,666.67 1,270,569.47 2,937,236.14
56 1,666,666.67 1,270,569.47 2,937,236.14
57 1,666,666.67 1,270,569.47 2,937,236.14
58 1,666,666.67 1,270,569.47 2,937,236.14
59 1,666,666.67 1,270,569.47 2,937,236.14
60 1,666,666.67 1,270,569.47 2,937,236.14
100,000,000.00 76,234,168.32 176,234,168.32