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SIMULASI KREDIT: BUNGA EFEKTIF VS BUNGA FLAT

Note: Kolom berwarna kuning bisa diubah untuk simulasi

BUNGA EFEKTIF

Hutang 5,000,000,000 Total Bayar 8,608,256,904.16

Bunga 12.00% per tahun Cicilan 71,735,474.20
Periode 10 tahun Total Bunga 3,608,256,904.16

Tabel Cicilan Dengan Perhitungan Bunga Efektif

Bulan Pokok Bunga Total Cicilan

1 21,735,474.20 50,000,000.00 71,735,474.20
2 21,952,828.94 49,782,645.26 71,735,474.20
3 22,172,357.23 49,563,116.97 71,735,474.20
4 22,394,080.81 49,341,393.40 71,735,474.20
5 22,618,021.61 49,117,452.59 71,735,474.20
6 22,844,201.83 48,891,272.37 71,735,474.20
7 23,072,643.85 48,662,830.35 71,735,474.20
8 23,303,370.29 48,432,103.92 71,735,474.20
9 23,536,403.99 48,199,070.21 71,735,474.20
10 23,771,768.03 47,963,706.17 71,735,474.20
11 24,009,485.71 47,725,988.49 71,735,474.20
12 24,249,580.57 47,485,893.64 71,735,474.20
13 24,492,076.37 47,243,397.83 71,735,474.20
14 24,736,997.14 46,998,477.07 71,735,474.20
15 24,984,367.11 46,751,107.09 71,735,474.20
16 25,234,210.78 46,501,263.42 71,735,474.20
17 25,486,552.89 46,248,921.32 71,735,474.20
18 25,741,418.41 45,994,055.79 71,735,474.20
19 25,998,832.60 45,736,641.60 71,735,474.20
20 26,258,820.92 45,476,653.28 71,735,474.20
21 26,521,409.13 45,214,065.07 71,735,474.20
22 26,786,623.23 44,948,850.98 71,735,474.20
23 27,054,489.46 44,680,984.74 71,735,474.20
24 27,325,034.35 44,410,439.85 71,735,474.20
25 27,598,284.70 44,137,189.51 71,735,474.20
26 27,874,267.54 43,861,206.66 71,735,474.20
27 28,153,010.22 43,582,463.98 71,735,474.20
28 28,434,540.32 43,300,933.88 71,735,474.20
29 28,718,885.72 43,016,588.48 71,735,474.20
30 29,006,074.58 42,729,399.62 71,735,474.20
31 29,296,135.33 42,439,338.87 71,735,474.20
32 29,589,096.68 42,146,377.52 71,735,474.20
33 29,884,987.65 41,850,486.55 71,735,474.20
34 30,183,837.52 41,551,636.68 71,735,474.20
35 30,485,675.90 41,249,798.30 71,735,474.20
36 30,790,532.66 40,944,941.54 71,735,474.20
37 31,098,437.98 40,637,036.22 71,735,474.20
38 31,409,422.36 40,326,051.84 71,735,474.20
39 31,723,516.59 40,011,957.61 71,735,474.20
40 32,040,751.75 39,694,722.45 71,735,474.20
41 32,361,159.27 39,374,314.93 71,735,474.20
42 32,684,770.86 39,050,703.34 71,735,474.20
43 33,011,618.57 38,723,855.63 71,735,474.20
44 33,341,734.76 38,393,739.44 71,735,474.20
45 33,675,152.11 38,060,322.10 71,735,474.20
46 34,011,903.63 37,723,570.57 71,735,474.20
47 34,352,022.66 37,383,451.54 71,735,474.20
48 34,695,542.89 37,039,931.31 71,735,474.20
49 35,042,498.32 36,692,975.88 71,735,474.20
50 35,392,923.30 36,342,550.90 71,735,474.20
51 35,746,852.53 35,988,621.67 71,735,474.20
52 36,104,321.06 35,631,153.14 71,735,474.20
53 36,465,364.27 35,270,109.93 71,735,474.20
54 36,830,017.91 34,905,456.29 71,735,474.20
55 37,198,318.09 34,537,156.11 71,735,474.20
56 37,570,301.27 34,165,172.93 71,735,474.20
57 37,946,004.29 33,789,469.92 71,735,474.20
58 38,325,464.33 33,410,009.87 71,735,474.20
59 38,708,718.97 33,026,755.23 71,735,474.20
60 39,095,806.16 32,639,668.04 71,735,474.20
61 39,486,764.22 32,248,709.98 71,735,474.20
62 39,881,631.87 31,853,842.34 71,735,474.20
63 40,280,448.18 31,455,026.02 71,735,474.20
64 40,683,252.67 31,052,221.54 71,735,474.20
65 41,090,085.19 30,645,389.01 71,735,474.20
66 41,500,986.04 30,234,488.16 71,735,474.20
67 41,915,995.90 29,819,478.30 71,735,474.20
68 42,335,155.86 29,400,318.34 71,735,474.20
69 42,758,507.42 28,976,966.78 71,735,474.20
70 43,186,092.50 28,549,381.70 71,735,474.20
71 43,617,953.42 28,117,520.78 71,735,474.20
72 44,054,132.96 27,681,341.25 71,735,474.20
73 44,494,674.29 27,240,799.92 71,735,474.20
74 44,939,621.03 26,795,853.17 71,735,474.20
75 45,389,017.24 26,346,456.96 71,735,474.20
76 45,842,907.41 25,892,566.79 71,735,474.20
77 46,301,336.49 25,434,137.72 71,735,474.20
78 46,764,349.85 24,971,124.35 71,735,474.20
79 47,231,993.35 24,503,480.85 71,735,474.20
80 47,704,313.28 24,031,160.92 71,735,474.20
81 48,181,356.41 23,554,117.79 71,735,474.20
82 48,663,169.98 23,072,304.22 71,735,474.20
83 49,149,801.68 22,585,672.52 71,735,474.20
84 49,641,299.70 22,094,174.51 71,735,474.20
85 50,137,712.69 21,597,761.51 71,735,474.20
86 50,639,089.82 21,096,384.38 71,735,474.20
87 51,145,480.72 20,589,993.48 71,735,474.20
88 51,656,935.52 20,078,538.68 71,735,474.20
89 52,173,504.88 19,561,969.32 71,735,474.20
90 52,695,239.93 19,040,234.27 71,735,474.20
91 53,222,192.33 18,513,281.87 71,735,474.20
 92 53,754,414.25 17,981,059.95 71,735,474.20
93 54,291,958.39 17,443,515.81 71,735,474.20
94 54,834,877.98 16,900,596.22 71,735,474.20
95 55,383,226.76 16,352,247.44 71,735,474.20
96 55,937,059.03 15,798,415.18 71,735,474.20
97 56,496,429.62 15,239,044.59 71,735,474.20
98 57,061,393.91 14,674,080.29 71,735,474.20
99 57,632,007.85 14,103,466.35 71,735,474.20
100 58,208,327.93 13,527,146.27 71,735,474.20
101 58,790,411.21 12,945,062.99 71,735,474.20
102 59,378,315.32 12,357,158.88 71,735,474.20
103 59,972,098.47 11,763,375.73 71,735,474.20
104 60,571,819.46 11,163,654.74 71,735,474.20
105 61,177,537.65 10,557,936.55 71,735,474.20
106 61,789,313.03 9,946,161.17 71,735,474.20
107 62,407,206.16 9,328,268.04 71,735,474.20
108 63,031,278.22 8,704,195.98 71,735,474.20
109 63,661,591.00 8,073,883.20 71,735,474.20
110 64,298,206.91 7,437,267.29 71,735,474.20
111 64,941,188.98 6,794,285.22 71,735,474.20
112 65,590,600.87 6,144,873.33 71,735,474.20
113 66,246,506.88 5,488,967.32 71,735,474.20
114 66,908,971.95 4,826,502.25 71,735,474.20
115 67,578,061.67 4,157,412.53 71,735,474.20
116 68,253,842.29 3,481,631.91 71,735,474.20
117 68,936,380.71 2,799,093.49 71,735,474.20
118 69,625,744.52 2,109,729.68 71,735,474.20
119 70,322,001.96 1,413,472.24 71,735,474.20
120 71,025,221.98 710,252.22 71,735,474.20
Total 5,000,000,000.00 3,608,256,904.16 8,608,256,904.16
BUNGA FLAT

Hutang 5,000,000,000 Total Bayar

Bunga 12.00% per tahun Cicilan
Periode 10 tahun Total Bunga

Tabel Cicilan Dengan Perhitungan Bunga Flat

Bulan Pokok Bunga Total Cicilan

1 41,666,666.67 87,743,675.35 129,410,342.01
2 41,666,666.67 87,743,675.35 129,410,342.01
3 41,666,666.67 87,743,675.35 129,410,342.01
4 41,666,666.67 87,743,675.35 129,410,342.01
5 41,666,666.67 87,743,675.35 129,410,342.01
6 41,666,666.67 87,743,675.35 129,410,342.01
7 41,666,666.67 87,743,675.35 129,410,342.01
8 41,666,666.67 87,743,675.35 129,410,342.01
9 41,666,666.67 87,743,675.35 129,410,342.01
10 41,666,666.67 87,743,675.35 129,410,342.01
11 41,666,666.67 87,743,675.35 129,410,342.01
12 41,666,666.67 87,743,675.35 129,410,342.01
13 41,666,666.67 87,743,675.35 129,410,342.01
14 41,666,666.67 87,743,675.35 129,410,342.01
15 41,666,666.67 87,743,675.35 129,410,342.01
16 41,666,666.67 87,743,675.35 129,410,342.01
17 41,666,666.67 87,743,675.35 129,410,342.01
18 41,666,666.67 87,743,675.35 129,410,342.01
19 41,666,666.67 87,743,675.35 129,410,342.01
20 41,666,666.67 87,743,675.35 129,410,342.01
21 41,666,666.67 87,743,675.35 129,410,342.01
22 41,666,666.67 87,743,675.35 129,410,342.01
23 41,666,666.67 87,743,675.35 129,410,342.01
24 41,666,666.67 87,743,675.35 129,410,342.01
25 41,666,666.67 87,743,675.35 129,410,342.01
26 41,666,666.67 87,743,675.35 129,410,342.01
27 41,666,666.67 87,743,675.35 129,410,342.01
28 41,666,666.67 87,743,675.35 129,410,342.01
29 41,666,666.67 87,743,675.35 129,410,342.01
30 41,666,666.67 87,743,675.35 129,410,342.01
31 41,666,666.67 87,743,675.35 129,410,342.01
32 41,666,666.67 87,743,675.35 129,410,342.01
33 41,666,666.67 87,743,675.35 129,410,342.01
34 41,666,666.67 87,743,675.35 129,410,342.01
35 41,666,666.67 87,743,675.35 129,410,342.01
36 41,666,666.67 87,743,675.35 129,410,342.01
37 41,666,666.67 87,743,675.35 129,410,342.01
38 41,666,666.67 87,743,675.35 129,410,342.01
39 41,666,666.67 87,743,675.35 129,410,342.01
40 41,666,666.67 87,743,675.35 129,410,342.01
41 41,666,666.67 87,743,675.35 129,410,342.01
42 41,666,666.67 87,743,675.35 129,410,342.01
43 41,666,666.67 87,743,675.35 129,410,342.01
44 41,666,666.67 87,743,675.35 129,410,342.01
45 41,666,666.67 87,743,675.35 129,410,342.01
46 41,666,666.67 87,743,675.35 129,410,342.01
47 41,666,666.67 87,743,675.35 129,410,342.01
48 41,666,666.67 87,743,675.35 129,410,342.01
49 41,666,666.67 87,743,675.35 129,410,342.01
50 41,666,666.67 87,743,675.35 129,410,342.01
51 41,666,666.67 87,743,675.35 129,410,342.01
52 41,666,666.67 87,743,675.35 129,410,342.01
53 41,666,666.67 87,743,675.35 129,410,342.01
54 41,666,666.67 87,743,675.35 129,410,342.01
55 41,666,666.67 87,743,675.35 129,410,342.01
56 41,666,666.67 87,743,675.35 129,410,342.01
57 41,666,666.67 87,743,675.35 129,410,342.01
58 41,666,666.67 87,743,675.35 129,410,342.01
59 41,666,666.67 87,743,675.35 129,410,342.01
60 41,666,666.67 87,743,675.35 129,410,342.01
61 41,666,666.67 87,743,675.35 129,410,342.01
62 41,666,666.67 87,743,675.35 129,410,342.01
63 41,666,666.67 87,743,675.35 129,410,342.01
64 41,666,666.67 87,743,675.35 129,410,342.01
65 41,666,666.67 87,743,675.35 129,410,342.01
66 41,666,666.67 87,743,675.35 129,410,342.01
67 41,666,666.67 87,743,675.35 129,410,342.01
68 41,666,666.67 87,743,675.35 129,410,342.01
69 41,666,666.67 87,743,675.35 129,410,342.01
70 41,666,666.67 87,743,675.35 129,410,342.01
71 41,666,666.67 87,743,675.35 129,410,342.01
72 41,666,666.67 87,743,675.35 129,410,342.01
73 41,666,666.67 87,743,675.35 129,410,342.01
74 41,666,666.67 87,743,675.35 129,410,342.01
75 41,666,666.67 87,743,675.35 129,410,342.01
76 41,666,666.67 87,743,675.35 129,410,342.01
77 41,666,666.67 87,743,675.35 129,410,342.01
78 41,666,666.67 87,743,675.35 129,410,342.01
79 41,666,666.67 87,743,675.35 129,410,342.01
80 41,666,666.67 87,743,675.35 129,410,342.01
81 41,666,666.67 87,743,675.35 129,410,342.01
82 41,666,666.67 87,743,675.35 129,410,342.01
83 41,666,666.67 87,743,675.35 129,410,342.01
84 41,666,666.67 87,743,675.35 129,410,342.01
85 41,666,666.67 87,743,675.35 129,410,342.01
86 41,666,666.67 87,743,675.35 129,410,342.01
87 41,666,666.67 87,743,675.35 129,410,342.01
88 41,666,666.67 87,743,675.35 129,410,342.01
89 41,666,666.67 87,743,675.35 129,410,342.01
90 41,666,666.67 87,743,675.35 129,410,342.01
91 41,666,666.67 87,743,675.35 129,410,342.01
 92 41,666,666.67 87,743,675.35 129,410,342.01
93 41,666,666.67 87,743,675.35 129,410,342.01
94 41,666,666.67 87,743,675.35 129,410,342.01
95 41,666,666.67 87,743,675.35 129,410,342.01
96 41,666,666.67 87,743,675.35 129,410,342.01
97 41,666,666.67 87,743,675.35 129,410,342.01
98 41,666,666.67 87,743,675.35 129,410,342.01
99 41,666,666.67 87,743,675.35 129,410,342.01
100 41,666,666.67 87,743,675.35 129,410,342.01
101 41,666,666.67 87,743,675.35 129,410,342.01
102 41,666,666.67 87,743,675.35 129,410,342.01
103 41,666,666.67 87,743,675.35 129,410,342.01
104 41,666,666.67 87,743,675.35 129,410,342.01
105 41,666,666.67 87,743,675.35 129,410,342.01
106 41,666,666.67 87,743,675.35 129,410,342.01
107 41,666,666.67 87,743,675.35 129,410,342.01
108 41,666,666.67 87,743,675.35 129,410,342.01
109 41,666,666.67 87,743,675.35 129,410,342.01
110 41,666,666.67 87,743,675.35 129,410,342.01
111 41,666,666.67 87,743,675.35 129,410,342.01
112 41,666,666.67 87,743,675.35 129,410,342.01
113 41,666,666.67 87,743,675.35 129,410,342.01
114 41,666,666.67 87,743,675.35 129,410,342.01
115 41,666,666.67 87,743,675.35 129,410,342.01
116 41,666,666.67 87,743,675.35 129,410,342.01
117 41,666,666.67 87,743,675.35 129,410,342.01
118 41,666,666.67 87,743,675.35 129,410,342.01
119 41,666,666.67 87,743,675.35 129,410,342.01
120 41,666,666.67 87,743,675.35 129,410,342.01
5,000,000,000.00 10,529,241,041.72 15,529,241,041.72
15,529,241,041.72
129,410,342.01
10,529,241,041.72