TABEL KPR BANK MANDIRI

Tenor
Plafond KPR 1 2 3 4
12 24 36 48
Rp550,000,000.00 Rp49,266,300.00 Rp25,522,400.00 Rp17,621,500.00 Rp13,681,300.00
Rp575,000,000.00 Rp51,505,700.00 Rp26,682,500.00 Rp18,422,500.00 Rp14,303,200.00
Rp600,000,000.00 Rp53,745,100.00 Rp27,842,600.00 Rp19,223,400.00 Rp14,925,100.00
Rp625,000,000.00 Rp55,984,400.00 Rp29,002,700.00 Rp20,024,400.00 Rp15,547,000.00
Rp650,000,000.00 Rp58,223,800.00 Rp30,162,800.00 Rp20,825,400.00 Rp16,168,800.00
Rp675,000,000.00 Rp60,463,200.00 Rp31,322,900.00 Rp21,626,400.00 Rp16,790,700.00
Rp700,000,000.00 Rp62,702,600.00 Rp32,483,000.00 Rp22,427,300.00 Rp17,412,600.00
Rp725,000,000.00 Rp64,941,900.00 Rp33,643,100.00 Rp23,228,300.00 Rp18,034,500.00
Rp750,000,000.00 Rp67,181,300.00 Rp34,803,200.00 Rp24,029,300.00 Rp18,656,300.00
Rp775,000,000.00 Rp69,420,700.00 Rp35,963,300.00 Rp24,830,300.00 Rp19,278,200.00
Rp800,000,000.00 Rp71,660,100.00 Rp37,123,400.00 Rp25,631,200.00 Rp19,900,100.00
Rp825,000,000.00 Rp73,899,400.00 Rp38,283,600.00 Rp26,432,200.00 Rp20,522,000.00
Rp850,000,000.00 Rp76,138,800.00 Rp39,443,700.00 Rp27,233,200.00 Rp21,143,800.00
Rp875,000,000.00 Rp78,378,200.00 Rp40,603,800.00 Rp28,034,200.00 Rp21,765,700.00
Rp900,000,000.00 Rp80,617,600.00 Rp41,763,900.00 Rp28,835,100.00 Rp22,387,600.00
Rp925,000,000.00 Rp82,856,900.00 Rp42,924,000.00 Rp29,636,100.00 Rp23,009,500.00
Rp950,000,000.00 Rp85,096,300.00 Rp44,084,100.00 Rp30,437,100.00 Rp23,631,300.00
Rp975,000,000.00 Rp87,335,700.00 Rp45,244,200.00 Rp31,238,100.00 Rp24,253,200.00
Rp1,000,000,000.00 Rp89,575,100.00 Rp46,404,300.00 Rp32,039,000.00 Rp24,875,100.00
 Nilai Pembayaran Per Akhir-Periode
5 1 2 3
60 12 24 36
Rp11,325,400.00 Rp591,195,600.00 Rp612,537,600.00 Rp634,374,000.00
Rp11,840,200.00 Rp618,068,400.00 Rp640,380,000.00 Rp663,210,000.00
Rp12,355,000.00 Rp644,941,200.00 Rp668,222,400.00 Rp692,042,400.00
Rp12,869,800.00 Rp671,812,800.00 Rp696,064,800.00 Rp720,878,400.00
Rp13,384,600.00 Rp698,685,600.00 Rp723,907,200.00 Rp749,714,400.00
Rp13,899,400.00 Rp725,558,400.00 Rp751,749,600.00 Rp778,550,400.00
Rp14,414,200.00 Rp752,431,200.00 Rp779,592,000.00 Rp807,382,800.00
Rp14,929,000.00 Rp779,302,800.00 Rp807,434,400.00 Rp836,218,800.00
Rp15,443,700.00 Rp806,175,600.00 Rp835,276,800.00 Rp865,054,800.00
Rp15,958,500.00 Rp833,048,400.00 Rp863,119,200.00 Rp893,890,800.00
Rp16,473,300.00 Rp859,921,200.00 Rp890,961,600.00 Rp922,723,200.00
Rp16,988,100.00 Rp886,792,800.00 Rp918,806,400.00 Rp951,559,200.00
Rp17,502,900.00 Rp913,665,600.00 Rp946,648,800.00 Rp980,395,200.00
Rp18,017,700.00 Rp940,538,400.00 Rp974,491,200.00 Rp1,009,231,200.00
Rp18,532,500.00 Rp967,411,200.00 Rp1,002,333,600.00 Rp1,038,063,600.00
Rp19,047,300.00 Rp994,282,800.00 Rp1,030,176,000.00 Rp1,066,899,600.00
Rp19,562,100.00 Rp1,021,155,600.00 Rp1,058,018,400.00 Rp1,095,735,600.00
Rp20,076,800.00 Rp1,048,028,400.00 Rp1,085,860,800.00 Rp1,124,571,600.00
Rp20,591,600.00 Rp1,074,901,200.00 Rp1,113,703,200.00 Rp1,153,404,000.00
 4 5
48 60
Rp656,702,400.00 Rp679,524,000.00
Rp686,553,600.00 Rp710,412,000.00
Rp716,404,800.00 Rp741,300,000.00
Rp746,256,000.00 Rp772,188,000.00
Rp776,102,400.00 Rp803,076,000.00
Rp805,953,600.00 Rp833,964,000.00
Rp835,804,800.00 Rp864,852,000.00
Rp865,656,000.00 Rp895,740,000.00
Rp895,502,400.00 Rp926,622,000.00
Rp925,353,600.00 Rp957,510,000.00
Rp955,204,800.00 Rp988,398,000.00
Rp985,056,000.00 Rp1,019,286,000.00
Rp1,014,902,400.00 Rp1,050,174,000.00
Rp1,044,753,600.00 Rp1,081,062,000.00
Rp1,074,604,800.00 Rp1,111,950,000.00
Rp1,104,456,000.00 Rp1,142,838,000.00
Rp1,134,302,400.00 Rp1,173,726,000.00
Rp1,164,153,600.00 Rp1,204,608,000.00
Rp1,194,004,800.00 Rp1,235,496,000.00
TABEL KPR BANK MANDIRI
Tenor
Plafond KPR 1 2 3 4
12 24 36 48
Rp550,000,000.00 Rp49,266,300.00 Rp25,522,400.00 Rp17,621,500.00 Rp13,681,300.00
Rp575,000,000.00 Rp51,505,700.00 Rp26,682,500.00 Rp18,422,500.00 Rp14,303,200.00
Rp600,000,000.00 Rp53,745,100.00 Rp27,842,600.00 Rp19,223,400.00 Rp14,925,100.00
Rp625,000,000.00 Rp55,984,400.00 Rp29,002,700.00 Rp20,024,400.00 Rp15,547,000.00
Rp650,000,000.00 Rp58,223,800.00 Rp30,162,800.00 Rp20,825,400.00 Rp16,168,800.00
Rp675,000,000.00 Rp60,463,200.00 Rp31,322,900.00 Rp21,626,400.00 Rp16,790,700.00
Rp700,000,000.00 Rp62,702,600.00 Rp32,483,000.00 Rp22,427,300.00 Rp17,412,600.00
Rp725,000,000.00 Rp64,941,900.00 Rp33,643,100.00 Rp23,228,300.00 Rp18,034,500.00
Rp750,000,000.00 Rp67,181,300.00 Rp34,803,200.00 Rp24,029,300.00 Rp18,656,300.00
Rp775,000,000.00 Rp69,420,700.00 Rp35,963,300.00 Rp24,830,300.00 Rp19,278,200.00
Rp800,000,000.00 Rp71,660,100.00 Rp37,123,400.00 Rp25,631,200.00 Rp19,900,100.00
Rp825,000,000.00 Rp73,899,400.00 Rp38,283,600.00 Rp26,432,200.00 Rp20,522,000.00
Rp850,000,000.00 Rp76,138,800.00 Rp39,443,700.00 Rp27,233,200.00 Rp21,143,800.00
Rp875,000,000.00 Rp78,378,200.00 Rp40,603,800.00 Rp28,034,200.00 Rp21,765,700.00
Rp900,000,000.00 Rp80,617,600.00 Rp41,763,900.00 Rp28,835,100.00 Rp22,387,600.00
Rp925,000,000.00 Rp82,856,900.00 Rp42,924,000.00 Rp29,636,100.00 Rp23,009,500.00
Rp950,000,000.00 Rp85,096,300.00 Rp44,084,100.00 Rp30,437,100.00 Rp23,631,300.00
Rp975,000,000.00 Rp87,335,700.00 Rp45,244,200.00 Rp31,238,100.00 Rp24,253,200.00
Rp1,000,000,000.00 Rp89,575,100.00 Rp46,404,300.00 Rp32,039,000.00 Rp24,875,100.00
 5 Nilai Bunga
60 12 24 36 48
Rp11,325,400.00 Rp41,195,600.00 Rp62,537,600.00 Rp84,374,000.00 Rp106,702,400.00
Rp11,840,200.00 Rp43,068,400.00 Rp65,380,000.00 Rp88,210,000.00 Rp111,553,600.00
Rp12,355,000.00 Rp44,941,200.00 Rp68,222,400.00 Rp92,042,400.00 Rp116,404,800.00
Rp12,869,800.00 Rp46,812,800.00 Rp71,064,800.00 Rp95,878,400.00 Rp121,256,000.00
Rp13,384,600.00 Rp48,685,600.00 Rp73,907,200.00 Rp99,714,400.00 Rp126,102,400.00
Rp13,899,400.00 Rp50,558,400.00 Rp76,749,600.00 Rp103,550,400.00 Rp130,953,600.00
Rp14,414,200.00 Rp52,431,200.00 Rp79,592,000.00 Rp107,382,800.00 Rp135,804,800.00
Rp14,929,000.00 Rp54,302,800.00 Rp82,434,400.00 Rp111,218,800.00 Rp140,656,000.00
Rp15,443,700.00 Rp56,175,600.00 Rp85,276,800.00 Rp115,054,800.00 Rp145,502,400.00
Rp15,958,500.00 Rp58,048,400.00 Rp88,119,200.00 Rp118,890,800.00 Rp150,353,600.00
Rp16,473,300.00 Rp59,921,200.00 Rp90,961,600.00 Rp122,723,200.00 Rp155,204,800.00
Rp16,988,100.00 Rp61,792,800.00 Rp93,806,400.00 Rp126,559,200.00 Rp160,056,000.00
Rp17,502,900.00 Rp63,665,600.00 Rp96,648,800.00 Rp130,395,200.00 Rp164,902,400.00
Rp18,017,700.00 Rp65,538,400.00 Rp99,491,200.00 Rp134,231,200.00 Rp169,753,600.00
Rp18,532,500.00 Rp67,411,200.00 Rp102,333,600.00 Rp138,063,600.00 Rp174,604,800.00
Rp19,047,300.00 Rp69,282,800.00 Rp105,176,000.00 Rp141,899,600.00 Rp179,456,000.00
Rp19,562,100.00 Rp71,155,600.00 Rp108,018,400.00 Rp145,735,600.00 Rp184,302,400.00
Rp20,076,800.00 Rp73,028,400.00 Rp110,860,800.00 Rp149,571,600.00 Rp189,153,600.00
Rp20,591,600.00 Rp74,901,200.00 Rp113,703,200.00 Rp153,404,000.00 Rp194,004,800.00
 60
Rp129,524,000.00
Rp135,412,000.00
Rp141,300,000.00
Rp147,188,000.00
Rp153,076,000.00
Rp158,964,000.00
Rp164,852,000.00
Rp170,740,000.00
Rp176,622,000.00
Rp182,510,000.00
Rp188,398,000.00
Rp194,286,000.00
Rp200,174,000.00
Rp206,062,000.00
Rp211,950,000.00
Rp217,838,000.00
Rp223,726,000.00
Rp229,608,000.00
Rp235,496,000.00
TABEL KPR BANK MANDIRI
Tenor
Plafond KPR 1 2 3 4
12 24 36 48
Rp550,000,000.00 Rp49,266,300.00 Rp25,522,400.00 Rp17,621,500.00 Rp13,681,300.00
Rp575,000,000.00 Rp51,505,700.00 Rp26,682,500.00 Rp18,422,500.00 Rp14,303,200.00
Rp600,000,000.00 Rp53,745,100.00 Rp27,842,600.00 Rp19,223,400.00 Rp14,925,100.00
Rp625,000,000.00 Rp55,984,400.00 Rp29,002,700.00 Rp20,024,400.00 Rp15,547,000.00
Rp650,000,000.00 Rp58,223,800.00 Rp30,162,800.00 Rp20,825,400.00 Rp16,168,800.00
Rp675,000,000.00 Rp60,463,200.00 Rp31,322,900.00 Rp21,626,400.00 Rp16,790,700.00
Rp700,000,000.00 Rp62,702,600.00 Rp32,483,000.00 Rp22,427,300.00 Rp17,412,600.00
Rp725,000,000.00 Rp64,941,900.00 Rp33,643,100.00 Rp23,228,300.00 Rp18,034,500.00
Rp750,000,000.00 Rp67,181,300.00 Rp34,803,200.00 Rp24,029,300.00 Rp18,656,300.00
Rp775,000,000.00 Rp69,420,700.00 Rp35,963,300.00 Rp24,830,300.00 Rp19,278,200.00
Rp800,000,000.00 Rp71,660,100.00 Rp37,123,400.00 Rp25,631,200.00 Rp19,900,100.00
Rp825,000,000.00 Rp73,899,400.00 Rp38,283,600.00 Rp26,432,200.00 Rp20,522,000.00
Rp850,000,000.00 Rp76,138,800.00 Rp39,443,700.00 Rp27,233,200.00 Rp21,143,800.00
Rp875,000,000.00 Rp78,378,200.00 Rp40,603,800.00 Rp28,034,200.00 Rp21,765,700.00
Rp900,000,000.00 Rp80,617,600.00 Rp41,763,900.00 Rp28,835,100.00 Rp22,387,600.00
Rp925,000,000.00 Rp82,856,900.00 Rp42,924,000.00 Rp29,636,100.00 Rp23,009,500.00
Rp950,000,000.00 Rp85,096,300.00 Rp44,084,100.00 Rp30,437,100.00 Rp23,631,300.00
Rp975,000,000.00 Rp87,335,700.00 Rp45,244,200.00 Rp31,238,100.00 Rp24,253,200.00
Rp1,000,000,000.00 Rp89,575,100.00 Rp46,404,300.00 Rp32,039,000.00 Rp24,875,100.00
 5 % Bunga
60 12 24 36 48 60
Rp11,325,400.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp11,840,200.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp12,355,000.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp12,869,800.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp13,384,600.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp13,899,400.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp14,414,200.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp14,929,000.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp15,443,700.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp15,958,500.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp16,473,300.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp16,988,100.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp17,502,900.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp18,017,700.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp18,532,500.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp19,047,300.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp19,562,100.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp20,076,800.00 6.97% 10.21% 13.30% 16.25% 19.06%
Rp20,591,600.00 6.97% 10.21% 13.30% 16.25% 19.06%
 Nilai Pembayaran Per Akhir-Periode (Future Worth)
Plafond KPR 1 2 3 4
12 24 36 48
Rp550,000,000.00 Rp591,195,600.00 Rp612,537,600.00 Rp634,374,000.00 Rp656,702,400.00
Rp575,000,000.00 Rp618,068,400.00 Rp640,380,000.00 Rp663,210,000.00 Rp686,553,600.00
Rp600,000,000.00 Rp644,941,200.00 Rp668,222,400.00 Rp692,042,400.00 Rp716,404,800.00
Rp625,000,000.00 Rp671,812,800.00 Rp696,064,800.00 Rp720,878,400.00 Rp746,256,000.00
Rp650,000,000.00 Rp698,685,600.00 Rp723,907,200.00 Rp749,714,400.00 Rp776,102,400.00
Rp675,000,000.00 Rp725,558,400.00 Rp751,749,600.00 Rp778,550,400.00 Rp805,953,600.00
Rp700,000,000.00 Rp752,431,200.00 Rp779,592,000.00 Rp807,382,800.00 Rp835,804,800.00
Rp725,000,000.00 Rp779,302,800.00 Rp807,434,400.00 Rp836,218,800.00 Rp865,656,000.00
Rp750,000,000.00 Rp806,175,600.00 Rp835,276,800.00 Rp865,054,800.00 Rp895,502,400.00
Rp775,000,000.00 Rp833,048,400.00 Rp863,119,200.00 Rp893,890,800.00 Rp925,353,600.00
Rp800,000,000.00 Rp859,921,200.00 Rp890,961,600.00 Rp922,723,200.00 Rp955,204,800.00
Rp825,000,000.00 Rp886,792,800.00 Rp918,806,400.00 Rp951,559,200.00 Rp985,056,000.00
Rp850,000,000.00 Rp913,665,600.00 Rp946,648,800.00 Rp980,395,200.00 Rp1,014,902,400.00
Rp875,000,000.00 Rp940,538,400.00 Rp974,491,200.00 Rp1,009,231,200.00 Rp1,044,753,600.00
Rp900,000,000.00 Rp967,411,200.00 Rp1,002,333,600.00 Rp1,038,063,600.00 Rp1,074,604,800.00
Rp925,000,000.00 Rp994,282,800.00 Rp1,030,176,000.00 Rp1,066,899,600.00 Rp1,104,456,000.00
Rp950,000,000.00 Rp1,021,155,600.00 Rp1,058,018,400.00 Rp1,095,735,600.00 Rp1,134,302,400.00
Rp975,000,000.00 Rp1,048,028,400.00 Rp1,085,860,800.00 Rp1,124,571,600.00 Rp1,164,153,600.00
Rp1,000,000,000.00 Rp1,074,901,200.00 Rp1,113,703,200.00 Rp1,153,404,000.00 Rp1,194,004,800.00

Hasil Analisis = Berdasarkan data yang telah kami hitung, nilai bunga yang diberlakukan oleh bank
mandiri adalah sudah sesuai. Kesesuaian ini muncul karena nilai total pembayaran
kredit jika dihitung pertahun bernilai diatas annual value dari plafond kredit, sehing
jika ditinjau dari perbandingan daya beli mata uang tersebut pada saat ini dengan d
beli mata uang tersebut di beberapa tahun yang akan datang, kami menilai bahwa
bank mengalami keuntungan karena pada kenyataannya bank menerima uang per
tahunnya dengan nilai di atas annual value plafond kredit
 Present Worth dari Nilai Pembayaran Per Akhir-Periode
5 Suku Bunga Efektif per Tahun (i) = 7.49%
60 1 2 3
Rp679,524,000.00 Rp 550,000,558.19 Rp 530,147,388.98 Rp 510,788,588.72
Rp710,412,000.00 Rp 575,000,837.29 Rp 554,244,808.73 Rp 534,006,910.63
Rp741,300,000.00 Rp 600,001,116.38 Rp 578,342,228.49 Rp 557,222,333.87
Rp772,188,000.00 Rp 625,000,279.10 Rp 602,439,648.24 Rp 580,440,655.78
Rp803,076,000.00 Rp 650,000,558.19 Rp 626,537,068.00 Rp 603,658,977.69
Rp833,964,000.00 Rp 675,000,837.29 Rp 650,634,487.75 Rp 626,877,299.60
Rp864,852,000.00 Rp 700,001,116.38 Rp 674,731,907.51 Rp 650,092,722.85
Rp895,740,000.00 Rp 725,000,279.10 Rp 698,829,327.26 Rp 673,311,044.76
Rp926,622,000.00 Rp 750,000,558.19 Rp 722,926,747.02 Rp 696,529,366.67
Rp957,510,000.00 Rp 775,000,837.29 Rp 747,024,166.77 Rp 719,747,688.58
Rp988,398,000.00 Rp 800,001,116.38 Rp 771,121,586.53 Rp 742,963,111.83
Rp1,019,286,000.00 Rp 825,000,279.10 Rp 795,221,083.47 Rp 766,181,433.74
Rp1,050,174,000.00 Rp 850,000,558.19 Rp 819,318,503.22 Rp 789,399,755.65
Rp1,081,062,000.00 Rp 875,000,837.29 Rp 843,415,922.98 Rp 812,618,077.56
Rp1,111,950,000.00 Rp 900,001,116.38 Rp 867,513,342.73 Rp 835,833,500.81
Rp1,142,838,000.00 Rp 925,000,279.10 Rp 891,610,762.49 Rp 859,051,822.72
Rp1,173,726,000.00 Rp 950,000,558.19 Rp 915,708,182.24 Rp 882,270,144.63
Rp1,204,608,000.00 Rp 975,000,837.29 Rp 939,805,602.00 Rp 905,488,466.54
Rp1,235,496,000.00 Rp 1,000,001,116.38 Rp 963,903,021.75 Rp 928,703,889.78

yang diberlakukan oleh bank Rp49,266,300.00 Rp25,522,400.00 Rp17,621,500.00

arena nilai total pembayaran
ue dari plafond kredit, sehingga Rp51,505,700.00 Rp26,682,500.00 Rp18,422,500.00
rsebut pada saat ini dengan daya Rp53,745,100.00 Rp27,842,600.00 Rp19,223,400.00
datang, kami menilai bahwa Rp55,984,400.00 Rp29,002,700.00 Rp20,024,400.00
ya bank menerima uang per
edit Rp58,223,800.00 Rp30,162,800.00 Rp20,825,400.00
Rp60,463,200.00 Rp31,322,900.00 Rp21,626,400.00
Rp62,702,600.00 Rp32,483,000.00 Rp22,427,300.00
Rp64,941,900.00 Rp33,643,100.00 Rp23,228,300.00
Rp67,181,300.00 Rp34,803,200.00 Rp24,029,300.00
Rp69,420,700.00 Rp35,963,300.00 Rp24,830,300.00
Rp71,660,100.00 Rp37,123,400.00 Rp25,631,200.00
Rp73,899,400.00 Rp38,283,600.00 Rp26,432,200.00
Rp76,138,800.00 Rp39,443,700.00 Rp27,233,200.00
Rp78,378,200.00 Rp40,603,800.00 Rp28,034,200.00
Rp80,617,600.00 Rp41,763,900.00 Rp28,835,100.00
Rp82,856,900.00 Rp42,924,000.00 Rp29,636,100.00
Rp85,096,300.00 Rp44,084,100.00 Rp30,437,100.00
Rp87,335,700.00 Rp45,244,200.00 Rp31,238,100.00
Rp89,575,100.00 Rp46,404,300.00 Rp32,039,000.00
yaran Per Akhir-Periode

4 5
Rp 491,922,120.28 Rp 473,548,522.24
Rp 514,283,033.83 Rp 495,073,835.19
Rp 536,643,947.38 Rp 516,599,148.14
Rp 559,004,860.94 Rp 538,124,461.08
Rp 581,362,178.91 Rp 559,649,774.03
Rp 603,723,092.46 Rp 581,175,086.98
Rp 626,084,006.02 Rp 602,700,399.92
Rp 648,444,919.57 Rp 624,225,712.87
Rp 670,802,237.54 Rp 645,746,844.52
Rp 693,163,151.10 Rp 667,272,157.47
Rp 715,524,064.65 Rp 688,797,470.42
Rp 737,884,978.20 Rp 710,322,783.36
Rp 760,242,296.18 Rp 731,848,096.31
Rp 782,603,209.73 Rp 753,373,409.26
Rp 804,964,123.28 Rp 774,898,722.20
Rp 827,325,036.84 Rp 796,424,035.15
Rp 849,682,354.81 Rp 817,949,348.10
Rp 872,043,268.36 Rp 839,470,479.75
Rp 894,404,181.92 Rp 860,995,792.70

Rp13,681,300.00 Rp11,325,400.00
Rp14,303,200.00 Rp11,840,200.00
Rp14,925,100.00 Rp12,355,000.00
Rp15,547,000.00 Rp12,869,800.00
Rp16,168,800.00 Rp13,384,600.00
Rp16,790,700.00 Rp13,899,400.00
Rp17,412,600.00 Rp14,414,200.00
Rp18,034,500.00 Rp14,929,000.00
Rp18,656,300.00 Rp15,443,700.00
Rp19,278,200.00 Rp15,958,500.00
Rp19,900,100.00 Rp16,473,300.00
Rp20,522,000.00 Rp16,988,100.00
Rp21,143,800.00 Rp17,502,900.00
Rp21,765,700.00 Rp18,017,700.00
Rp22,387,600.00 Rp18,532,500.00
Rp23,009,500.00 Rp19,047,300.00
Rp23,631,300.00 Rp19,562,100.00
Rp24,253,200.00 Rp20,076,800.00
Rp24,875,100.00 Rp20,591,600.00

Plafond KPR (Present Worth)
Rp550,000,000.00
Rp575,000,000.00
Rp600,000,000.00
Rp625,000,000.00
Rp650,000,000.00
Rp675,000,000.00
Rp700,000,000.00
Rp725,000,000.00
Rp750,000,000.00
Rp775,000,000.00
Rp800,000,000.00
Rp825,000,000.00
Rp850,000,000.00
Rp875,000,000.00
Rp900,000,000.00
Rp925,000,000.00
Rp950,000,000.00
Rp975,000,000.00
Rp1,000,000,000.00
Future Worth dari Plafond Kredit
Suku Bunga Efektif per Tahun (i) = 7.49%
1 2 3
12 24 36
Rp591,195,000.00 Rp635,475,505.50 Rp683,072,620.86
Rp618,067,500.00 Rp664,360,755.75 Rp714,121,376.36
Rp644,940,000.00 Rp693,246,006.00 Rp745,170,131.85
Rp671,812,500.00 Rp722,131,256.25 Rp776,218,887.34
Rp698,685,000.00 Rp751,016,506.50 Rp807,267,642.84
Rp725,557,500.00 Rp779,901,756.75 Rp838,316,398.33
Rp752,430,000.00 Rp808,787,007.00 Rp869,365,153.82
Rp779,302,500.00 Rp837,672,257.25 Rp900,413,909.32
Rp806,175,000.00 Rp866,557,507.50 Rp931,462,664.81
Rp833,047,500.00 Rp895,442,757.75 Rp962,511,420.31
Rp859,920,000.00 Rp924,328,008.00 Rp993,560,175.80
Rp886,792,500.00 Rp953,213,258.25 Rp1,024,608,931.29
Rp913,665,000.00 Rp982,098,508.50 Rp1,055,657,686.79
Rp940,537,500.00 Rp1,010,983,758.75 Rp1,086,706,442.28
Rp967,410,000.00 Rp1,039,869,009.00 Rp1,117,755,197.77
Rp994,282,500.00 Rp1,068,754,259.25 Rp1,148,803,953.27
Rp1,021,155,000.00 Rp1,097,639,509.50 Rp1,179,852,708.76
Rp1,048,027,500.00 Rp1,126,524,759.75 Rp1,210,901,464.26
Rp1,074,900,000.00 Rp1,155,410,010.00 Rp1,241,950,219.75

Hasil Analisis = Berdasarkan data yang telah kami hitung, nilai bunga yang diberlakukan oleh bank mandiri ada
Kesesuaian ini muncul karena nilai total pembayaran kredit jika dihitung pertahun bernilai diat
plafond kredit, sehingga jika ditinjau dari perbandingan daya beli mata uang tersebut pada saa
mata uang tersebut di beberapa tahun yang akan datang, kami menilai bahwa bank mengalam
pada kenyataannya bank menerima uang per tahunnya dengan nilai di atas annual value plafo
orth dari Plafond Kredit
ga Efektif per Tahun (i) = 7.49% Nilai Pembayaran Per Akhir-Periode (Future Worth
4 5 1 2
48 60 12 24
Rp734,234,760.16 Rp789,228,943.70 Rp591,195,600.00 Rp612,537,600.00
Rp767,609,067.44 Rp825,102,986.60 Rp618,068,400.00 Rp640,380,000.00
Rp800,983,374.72 Rp860,977,029.49 Rp644,941,200.00 Rp668,222,400.00
Rp834,357,682.01 Rp896,851,072.39 Rp671,812,800.00 Rp696,064,800.00
Rp867,731,989.29 Rp932,725,115.28 Rp698,685,600.00 Rp723,907,200.00
Rp901,106,296.57 Rp968,599,158.18 Rp725,558,400.00 Rp751,749,600.00
Rp934,480,603.85 Rp1,004,473,201.07 Rp752,431,200.00 Rp779,592,000.00
Rp967,854,911.13 Rp1,040,347,243.97 Rp779,302,800.00 Rp807,434,400.00
Rp1,001,229,218.41 Rp1,076,221,286.86 Rp806,175,600.00 Rp835,276,800.00
Rp1,034,603,525.69 Rp1,112,095,329.76 Rp833,048,400.00 Rp863,119,200.00
Rp1,067,977,832.97 Rp1,147,969,372.66 Rp859,921,200.00 Rp890,961,600.00
Rp1,101,352,140.25 Rp1,183,843,415.55 Rp886,792,800.00 Rp918,806,400.00
Rp1,134,726,447.53 Rp1,219,717,458.45 Rp913,665,600.00 Rp946,648,800.00
Rp1,168,100,754.81 Rp1,255,591,501.34 Rp940,538,400.00 Rp974,491,200.00
Rp1,201,475,062.09 Rp1,291,465,544.24 Rp967,411,200.00 Rp1,002,333,600.00
Rp1,234,849,369.37 Rp1,327,339,587.13 Rp994,282,800.00 Rp1,030,176,000.00
Rp1,268,223,676.65 Rp1,363,213,630.03 Rp1,021,155,600.00 Rp1,058,018,400.00
Rp1,301,597,983.93 Rp1,399,087,672.92 Rp1,048,028,400.00 Rp1,085,860,800.00
Rp1,334,972,291.21 Rp1,434,961,715.82 Rp1,074,901,200.00 Rp1,113,703,200.00

akukan oleh bank mandiri adalah sudah sesuai. Rp49,266,300.00 Rp25,522,400.00

ihitung pertahun bernilai diatas annual value dari
mata uang tersebut pada saat ini dengan daya beli Rp51,505,700.00 Rp26,682,500.00
menilai bahwa bank mengalami keuntungan karena Rp53,745,100.00 Rp27,842,600.00
nilai di atas annual value plafond kredit Rp55,984,400.00 Rp29,002,700.00
Rp58,223,800.00 Rp30,162,800.00
Rp60,463,200.00 Rp31,322,900.00
Rp62,702,600.00 Rp32,483,000.00
Rp64,941,900.00 Rp33,643,100.00
Rp67,181,300.00 Rp34,803,200.00
Rp69,420,700.00 Rp35,963,300.00
Rp71,660,100.00 Rp37,123,400.00
Rp73,899,400.00 Rp38,283,600.00
Rp76,138,800.00 Rp39,443,700.00
Rp78,378,200.00 Rp40,603,800.00
Rp80,617,600.00 Rp41,763,900.00
Rp82,856,900.00 Rp42,924,000.00
Rp85,096,300.00 Rp44,084,100.00
Rp87,335,700.00 Rp45,244,200.00
Rp89,575,100.00 Rp46,404,300.00
bayaran Per Akhir-Periode (Future Worth)
3 4 5
36 48 60
Rp634,374,000.00 Rp656,702,400.00 Rp679,524,000.00
Rp663,210,000.00 Rp686,553,600.00 Rp710,412,000.00
Rp692,042,400.00 Rp716,404,800.00 Rp741,300,000.00
Rp720,878,400.00 Rp746,256,000.00 Rp772,188,000.00
Rp749,714,400.00 Rp776,102,400.00 Rp803,076,000.00
Rp778,550,400.00 Rp805,953,600.00 Rp833,964,000.00
Rp807,382,800.00 Rp835,804,800.00 Rp864,852,000.00
Rp836,218,800.00 Rp865,656,000.00 Rp895,740,000.00
Rp865,054,800.00 Rp895,502,400.00 Rp926,622,000.00
Rp893,890,800.00 Rp925,353,600.00 Rp957,510,000.00
Rp922,723,200.00 Rp955,204,800.00 Rp988,398,000.00
Rp951,559,200.00 Rp985,056,000.00 Rp1,019,286,000.00
Rp980,395,200.00 Rp1,014,902,400.00 Rp1,050,174,000.00
Rp1,009,231,200.00 Rp1,044,753,600.00 Rp1,081,062,000.00
Rp1,038,063,600.00 Rp1,074,604,800.00 Rp1,111,950,000.00
Rp1,066,899,600.00 Rp1,104,456,000.00 Rp1,142,838,000.00
Rp1,095,735,600.00 Rp1,134,302,400.00 Rp1,173,726,000.00
Rp1,124,571,600.00 Rp1,164,153,600.00 Rp1,204,608,000.00
Rp1,153,404,000.00 Rp1,194,004,800.00 Rp1,235,496,000.00

Rp17,621,500.00 Rp13,681,300.00 Rp11,325,400.00

Rp18,422,500.00 Rp14,303,200.00 Rp11,840,200.00
Rp19,223,400.00 Rp14,925,100.00 Rp12,355,000.00
Rp20,024,400.00 Rp15,547,000.00 Rp12,869,800.00
Rp20,825,400.00 Rp16,168,800.00 Rp13,384,600.00
Rp21,626,400.00 Rp16,790,700.00 Rp13,899,400.00
Rp22,427,300.00 Rp17,412,600.00 Rp14,414,200.00
Rp23,228,300.00 Rp18,034,500.00 Rp14,929,000.00
Rp24,029,300.00 Rp18,656,300.00 Rp15,443,700.00
Rp24,830,300.00 Rp19,278,200.00 Rp15,958,500.00
Rp25,631,200.00 Rp19,900,100.00 Rp16,473,300.00
Rp26,432,200.00 Rp20,522,000.00 Rp16,988,100.00
Rp27,233,200.00 Rp21,143,800.00 Rp17,502,900.00
Rp28,034,200.00 Rp21,765,700.00 Rp18,017,700.00
Rp28,835,100.00 Rp22,387,600.00 Rp18,532,500.00
Rp29,636,100.00 Rp23,009,500.00 Rp19,047,300.00
Rp30,437,100.00 Rp23,631,300.00 Rp19,562,100.00
Rp31,238,100.00 Rp24,253,200.00 Rp20,076,800.00
Rp32,039,000.00 Rp24,875,100.00 Rp20,591,600.00
Plafond KPR Annual Worth dari Plafond Kredit
Suku Bunga Efektif per Tahun (i) = 7.49%
1 2
Rp550,000,000.00 Rp591,195,000.00 Rp306,268,015.57
Rp575,000,000.00 Rp618,067,500.00 Rp320,189,289.00
Rp600,000,000.00 Rp644,940,000.00 Rp334,110,562.44
Rp625,000,000.00 Rp671,812,500.00 Rp348,031,835.87
Rp650,000,000.00 Rp698,685,000.00 Rp361,953,109.31
Rp675,000,000.00 Rp725,557,500.00 Rp375,874,382.74
Rp700,000,000.00 Rp752,430,000.00 Rp389,795,656.18
Rp725,000,000.00 Rp779,302,500.00 Rp403,716,929.61
Rp750,000,000.00 Rp806,175,000.00 Rp417,638,203.05
Rp775,000,000.00 Rp833,047,500.00 Rp431,559,476.48
Rp800,000,000.00 Rp859,920,000.00 Rp445,480,749.92
Rp825,000,000.00 Rp886,792,500.00 Rp459,402,023.35
Rp850,000,000.00 Rp913,665,000.00 Rp473,323,296.79
Rp875,000,000.00 Rp940,537,500.00 Rp487,244,570.22
Rp900,000,000.00 Rp967,410,000.00 Rp501,165,843.66
Rp925,000,000.00 Rp994,282,500.00 Rp515,087,117.09
Rp950,000,000.00 Rp1,021,155,000.00 Rp529,008,390.52
Rp975,000,000.00 Rp1,048,027,500.00 Rp542,929,663.96
Rp1,000,000,000.00 Rp1,074,900,000.00 Rp556,850,937.39

Hasil Analisis = Berdasarkan data yang telah kami hitung, nilai bunga yang diberlakukan oleh bank
mandiri adalah sudah sesuai. Kesesuaian ini muncul karena nilai total pembayaran
kredit jika dihitung pertahun bernilai diatas annual value dari plafond kredit, sehingga
jika ditinjau dari perbandingan daya beli mata uang tersebut pada saat ini dengan daya
beli mata uang tersebut di beberapa tahun yang akan datang, kami menilai bahwa
bank mengalami keuntungan karena pada kenyataannya bank menerima uang per
tahunnya dengan nilai di atas annual value plafond kredit
orth dari Plafond Kredit
ga Efektif per Tahun (i) = 7.49% 1
3 4 5 12
Rp211,457,296.28 Rp164,175,321.30 Rp135,904,484.77 Rp591,195,600.00
Rp221,068,991.57 Rp171,637,835.91 Rp142,081,961.35 Rp609,029,112.00
Rp230,680,686.85 Rp179,100,350.51 Rp148,259,437.93 Rp635,508,636.00
Rp240,292,382.14 Rp186,562,865.12 Rp154,436,914.51 Rp661,988,160.00
Rp249,904,077.42 Rp194,025,379.72 Rp160,614,391.09 Rp688,467,684.00
Rp259,515,772.71 Rp201,487,894.32 Rp166,791,867.67 Rp714,947,232.00
Rp269,127,467.99 Rp208,950,408.93 Rp172,969,344.25 Rp741,426,744.00
Rp278,739,163.28 Rp216,412,923.53 Rp179,146,820.83 Rp767,906,268.00
Rp288,350,858.56 Rp223,875,438.14 Rp185,324,297.41 Rp794,385,792.00
Rp297,962,553.85 Rp231,337,952.74 Rp191,501,773.99 Rp820,865,316.00
Rp307,574,249.14 Rp238,800,467.35 Rp197,679,250.57 Rp847,344,852.00
Rp317,185,944.42 Rp246,262,981.95 Rp203,856,727.16 Rp873,824,376.00
Rp326,797,639.71 Rp253,725,496.56 Rp210,034,203.74 Rp900,303,900.00
Rp336,409,334.99 Rp261,188,011.16 Rp216,211,680.32 Rp926,783,424.00
Rp346,021,030.28 Rp268,650,525.77 Rp222,389,156.90 Rp953,262,948.00
Rp355,632,725.56 Rp276,113,040.37 Rp228,566,633.48 Rp979,743,684.00
Rp365,244,420.85 Rp283,575,554.98 Rp234,744,110.06 Rp1,006,222,008.00
Rp374,856,116.13 Rp291,038,069.58 Rp240,921,586.64 Rp1,032,701,532.00
Rp384,467,811.42 Rp298,500,584.19 Rp247,099,063.22 Rp1,059,181,056.00

yang diberlakukan oleh bank Rp49,266,300.00

arena nilai total pembayaran
ue dari plafond kredit, sehingga Rp51,505,700.00
rsebut pada saat ini dengan daya Rp53,745,100.00
datang, kami menilai bahwa Rp55,984,400.00
ya bank menerima uang per
edit Rp58,223,800.00
Rp60,463,200.00
Rp62,702,600.00
Rp64,941,900.00
Rp67,181,300.00
Rp69,420,700.00
Rp71,660,100.00
Rp73,899,400.00
Rp76,138,800.00
Rp78,378,200.00
Rp80,617,600.00
Rp82,856,900.00
Rp85,096,300.00
Rp87,335,700.00
Rp89,575,100.00
Nilai Pembayaran Per Akhir-Periode Jika Dihitung per Tahun
2 3 4 5
24 36 48 60
Rp306,268,800.00 Rp211,458,000.00 Rp164,175,600.00 Rp135,904,800.00
Rp320,190,000.00 Rp221,070,000.00 Rp171,638,400.00 Rp142,082,400.00
Rp334,111,200.00 Rp230,680,800.00 Rp179,101,200.00 Rp148,260,000.00
Rp348,032,400.00 Rp240,292,800.00 Rp186,564,000.00 Rp154,437,600.00
Rp361,953,600.00 Rp249,904,800.00 Rp194,025,600.00 Rp160,615,200.00
Rp375,874,800.00 Rp259,516,800.00 Rp201,488,400.00 Rp166,792,800.00
Rp389,796,000.00 Rp269,127,600.00 Rp208,951,200.00 Rp172,970,400.00
Rp403,717,200.00 Rp278,739,600.00 Rp216,414,000.00 Rp179,148,000.00
Rp417,638,400.00 Rp288,351,600.00 Rp223,875,600.00 Rp185,324,400.00
Rp431,559,600.00 Rp297,963,600.00 Rp231,338,400.00 Rp191,502,000.00
Rp445,480,800.00 Rp307,574,400.00 Rp238,801,200.00 Rp197,679,600.00
Rp459,403,200.00 Rp317,186,400.00 Rp246,264,000.00 Rp203,857,200.00
Rp473,324,400.00 Rp326,798,400.00 Rp253,725,600.00 Rp210,034,800.00
Rp487,245,600.00 Rp336,410,400.00 Rp261,188,400.00 Rp216,212,400.00
Rp501,166,800.00 Rp346,021,200.00 Rp268,651,200.00 Rp222,390,000.00
Rp515,088,000.00 Rp355,633,200.00 Rp276,114,000.00 Rp228,567,600.00
Rp529,009,200.00 Rp365,245,200.00 Rp283,575,600.00 Rp234,745,200.00
Rp542,930,400.00 Rp374,857,200.00 Rp291,038,400.00 Rp240,921,600.00
Rp556,851,600.00 Rp384,468,000.00 Rp298,501,200.00 Rp247,099,200.00
 Nilai Pembayaran Per Akhir-Periode
1 2 3 4 5
12 24 36 48 60
Rp591,195,600.00 Rp612,537,600.00 Rp634,374,000.00 Rp656,702,400.00 Rp679,524,000.00
Rp618,068,400.00 Rp640,380,000.00 Rp663,210,000.00 Rp686,553,600.00 Rp710,412,000.00
Rp644,941,200.00 Rp668,222,400.00 Rp692,042,400.00 Rp716,404,800.00 Rp741,300,000.00
Rp671,812,800.00 Rp696,064,800.00 Rp720,878,400.00 Rp746,256,000.00 Rp772,188,000.00
Rp698,685,600.00 Rp723,907,200.00 Rp749,714,400.00 Rp776,102,400.00 Rp803,076,000.00
Rp725,558,400.00 Rp751,749,600.00 Rp778,550,400.00 Rp805,953,600.00 Rp833,964,000.00
Rp752,431,200.00 Rp779,592,000.00 Rp807,382,800.00 Rp835,804,800.00 Rp864,852,000.00
Rp779,302,800.00 Rp807,434,400.00 Rp836,218,800.00 Rp865,656,000.00 Rp895,740,000.00
Rp806,175,600.00 Rp835,276,800.00 Rp865,054,800.00 Rp895,502,400.00 Rp926,622,000.00
Rp833,048,400.00 Rp863,119,200.00 Rp893,890,800.00 Rp925,353,600.00 Rp957,510,000.00
Rp859,921,200.00 Rp890,961,600.00 Rp922,723,200.00 Rp955,204,800.00 Rp988,398,000.00
Rp886,792,800.00 Rp918,806,400.00 Rp951,559,200.00 Rp985,056,000.00 Rp1,019,286,000.00
Rp913,665,600.00 Rp946,648,800.00 Rp980,395,200.00 Rp1,014,902,400.00 Rp1,050,174,000.00
Rp940,538,400.00 Rp974,491,200.00 Rp1,009,231,200.00 Rp1,044,753,600.00 Rp1,081,062,000.00
Rp967,411,200.00 Rp1,002,333,600.00 Rp1,038,063,600.00 Rp1,074,604,800.00 Rp1,111,950,000.00
Rp994,282,800.00 Rp1,030,176,000.00 Rp1,066,899,600.00 Rp1,104,456,000.00 Rp1,142,838,000.00
Rp1,021,155,600.00 Rp1,058,018,400.00 Rp1,095,735,600.00 Rp1,134,302,400.00 Rp1,173,726,000.00
Rp1,048,028,400.00 Rp1,085,860,800.00 Rp1,124,571,600.00 Rp1,164,153,600.00 Rp1,204,608,000.00
Rp1,074,901,200.00 Rp1,113,703,200.00 Rp1,153,404,000.00 Rp1,194,004,800.00 Rp1,235,496,000.00

Rp25,522,400.00 Rp17,621,500.00 Rp13,681,300.00 Rp11,325,400.00

Rp26,682,500.00 Rp18,422,500.00 Rp14,303,200.00 Rp11,840,200.00
Rp27,842,600.00 Rp19,223,400.00 Rp14,925,100.00 Rp12,355,000.00
Rp29,002,700.00 Rp20,024,400.00 Rp15,547,000.00 Rp12,869,800.00
Rp30,162,800.00 Rp20,825,400.00 Rp16,168,800.00 Rp13,384,600.00
Rp31,322,900.00 Rp21,626,400.00 Rp16,790,700.00 Rp13,899,400.00
Rp32,483,000.00 Rp22,427,300.00 Rp17,412,600.00 Rp14,414,200.00
Rp33,643,100.00 Rp23,228,300.00 Rp18,034,500.00 Rp14,929,000.00
Rp34,803,200.00 Rp24,029,300.00 Rp18,656,300.00 Rp15,443,700.00
Rp35,963,300.00 Rp24,830,300.00 Rp19,278,200.00 Rp15,958,500.00
Rp37,123,400.00 Rp25,631,200.00 Rp19,900,100.00 Rp16,473,300.00
Rp38,283,600.00 Rp26,432,200.00 Rp20,522,000.00 Rp16,988,100.00
Rp39,443,700.00 Rp27,233,200.00 Rp21,143,800.00 Rp17,502,900.00
Rp40,603,800.00 Rp28,034,200.00 Rp21,765,700.00 Rp18,017,700.00
Rp41,763,900.00 Rp28,835,100.00 Rp22,387,600.00 Rp18,532,500.00
Rp42,924,000.00 Rp29,636,100.00 Rp23,009,500.00 Rp19,047,300.00
Rp44,084,100.00 Rp30,437,100.00 Rp23,631,300.00 Rp19,562,100.00
Rp45,244,200.00 Rp31,238,100.00 Rp24,253,200.00 Rp20,076,800.00
Rp46,404,300.00 Rp32,039,000.00 Rp24,875,100.00 Rp20,591,600.00