PERHITUNGAN BUNGA ANUITAS

Seseorang ingin membeli sebuah Honda brio dengan harga 248.000 .000 dan
dibebankan biaya asuransi 10.000 .000 yang akan dicicil selama 5 tahun dengan
besar bunga 17 % /¿tahun. Jika orang tersebut telah membayar DP sebesar 30 %
. Maka tentukan besar anuitas, angsuran pokok, dan bunga bank setiap
bulannya

harga mobil 238,000,000.00

asuransi 10,000,000.00
DP 74,400,000.00
sisa pinjaman yang harus dibayarkan 173,600,000.00

Pinjaman 173,600,000.00 Rupiah

Jumlah Angsuran 60 kali
Bunga 17% per tahun

Angsuran Angsuran Besar Sisa

ke Pokok Bunga Angsuran Pinjaman pokok

0       173,600,000.00
1 1,855,073.82 2,459,333.33 4,314,407.15 171,744,926.18
2 1,881,354.03 2,433,053.12 4,314,407.15 169,863,572.15
3 1,908,006.55 2,406,400.61 4,314,407.15 167,955,565.60
4 1,935,036.64 2,379,370.51 4,314,407.15 166,020,528.96
5 1,962,449.66 2,351,957.49 4,314,407.15 164,058,079.30
6 1,990,251.03 2,324,156.12 4,314,407.15 162,067,828.27
7 2,018,446.25 2,295,960.90 4,314,407.15 160,049,382.02
8 2,047,040.91 2,267,366.25 4,314,407.15 158,002,341.11
9 2,076,040.65 2,238,366.50 4,314,407.15 155,926,300.46
10 2,105,451.23 2,208,955.92 4,314,407.15 153,820,849.23
11 2,135,278.46 2,179,128.70 4,314,407.15 151,685,570.77
12 2,165,528.23 2,148,878.92 4,314,407.15 149,520,042.54
13 2,196,206.55 2,118,200.60 4,314,407.15 147,323,835.99
14 2,227,319.48 2,087,087.68 4,314,407.15 145,096,516.51
15 2,258,873.17 2,055,533.98 4,314,407.15 142,837,643.34
16 2,290,873.87 2,023,533.28 4,314,407.15 140,546,769.47
17 2,323,327.92 1,991,079.23 4,314,407.15 138,223,441.55
18 2,356,241.73 1,958,165.42 4,314,407.15 135,867,199.82
19 2,389,621.82 1,924,785.33 4,314,407.15 133,477,577.99
20 2,423,474.80 1,890,932.35 4,314,407.15 131,054,103.20
21 2,457,807.36 1,856,599.80 4,314,407.15 128,596,295.84
22 2,492,626.30 1,821,780.86 4,314,407.15 126,103,669.54
23 2,527,938.50 1,786,468.65 4,314,407.15 123,575,731.04
24 2,563,750.96 1,750,656.19 4,314,407.15 121,011,980.08
25 2,600,070.77 1,714,336.38 4,314,407.15 118,411,909.31
26 2,636,905.10 1,677,502.05 4,314,407.15 115,775,004.20
27 2,674,261.26 1,640,145.89 4,314,407.15 113,100,742.94
28 2,712,146.63 1,602,260.53 4,314,407.15 110,388,596.32
29 2,750,568.71 1,563,838.45 4,314,407.15 107,638,027.61
30 2,789,535.10 1,524,872.06 4,314,407.15 104,848,492.51
31 2,829,053.51 1,485,353.64 4,314,407.15 102,019,439.01
32 2,869,131.77 1,445,275.39 4,314,407.15 99,150,307.24
33 2,909,777.80 1,404,629.35 4,314,407.15 96,240,529.44
34 2,950,999.65 1,363,407.50 4,314,407.15 93,289,529.79
35 2,992,805.48 1,321,601.67 4,314,407.15 90,296,724.30
36 3,035,203.56 1,279,203.59 4,314,407.15 87,261,520.74
37 3,078,202.28 1,236,204.88 4,314,407.15 84,183,318.47
38 3,121,810.14 1,192,597.01 4,314,407.15 81,061,508.33
39 3,166,035.79 1,148,371.37 4,314,407.15 77,895,472.54
40 3,210,887.96 1,103,519.19 4,314,407.15 74,684,584.58
41 3,256,375.54 1,058,031.61 4,314,407.15 71,428,209.05
42 3,302,507.53 1,011,899.63 4,314,407.15 68,125,701.52
43 3,349,293.05 965,114.10 4,314,407.15 64,776,408.47
44 3,396,741.37 917,665.79 4,314,407.15 61,379,667.11
45 3,444,861.87 869,545.28 4,314,407.15 57,934,805.24
46 3,493,664.08 820,743.07 4,314,407.15 54,441,141.16
47 3,543,157.65 771,249.50 4,314,407.15 50,897,983.50
48 3,593,352.39 721,054.77 4,314,407.15 47,304,631.12
49 3,644,258.21 670,148.94 4,314,407.15 43,660,372.90
50 3,695,885.20 618,521.95 4,314,407.15 39,964,487.70
51 3,748,243.58 566,163.58 4,314,407.15 36,216,244.12
52 3,801,343.69 513,063.46 4,314,407.15 32,414,900.43
53 3,855,196.06 459,211.09 4,314,407.15 28,559,704.36
54 3,909,811.34 404,595.81 4,314,407.15 24,649,893.02
55 3,965,200.34 349,206.82 4,314,407.15 20,684,692.69
56 4,021,374.01 293,033.15 4,314,407.15 16,663,318.68
57 4,078,343.47 236,063.68 4,314,407.15 12,584,975.21
58 4,136,120.00 178,287.15 4,314,407.15 8,448,855.21
59 4,194,715.04 119,692.12 4,314,407.15 4,254,140.17
60 4,254,140.17 60,266.99 4,314,407.15 0.00
total 173,600,000.00 85,264,429.19 258,864,429.19