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SIMULASI KREDIT: BUNGA EFEKTIF VS BUNGA FLAT

Note: Kolom berwarna kuning bisa diubah untuk simulasi

BUNGA EFEKTIF

Hutang 265,000,000 Total Bayar 320,647,800.89

Bunga 8.90% per tahun Cicilan 2,672,065.01
Periode 15 tahun Total Bunga 184,671,635.90

Tabel Cicilan Dengan Perhitungan Bunga Efektif

Bulan Pokok Bunga Total Cicilan

1 706,648.34 1,965,416.67 2,672,065.01
2 711,889.32 1,960,175.69 2,672,065.01
3 717,169.16 1,954,895.85 2,672,065.01
4 722,488.17 1,949,576.84 2,672,065.01
5 727,846.62 1,944,218.39 2,672,065.01
6 733,244.82 1,938,820.19 2,672,065.01
7 738,683.05 1,933,381.96 2,672,065.01
8 744,161.61 1,927,903.39 2,672,065.01
9 749,680.81 1,922,384.19 2,672,065.01
10 755,240.95 1,916,824.06 2,672,065.01
11 760,842.32 1,911,222.69 2,672,065.01
12 766,485.23 1,905,579.78 2,672,065.01
13 772,170.00 1,899,895.01 2,672,065.01
14 777,896.92 1,894,168.08 2,672,065.01
15 783,666.32 1,888,398.68 2,672,065.01
16 789,478.52 1,882,586.49 2,672,065.01
17 795,333.82 1,876,731.19 2,672,065.01
18 801,232.54 1,870,832.47 2,672,065.01
19 807,175.02 1,864,889.99 2,672,065.01
20 813,161.56 1,858,903.44 2,672,065.01
21 819,192.51 1,852,872.49 2,672,065.01
22 825,268.19 1,846,796.82 2,672,065.01
23 831,388.93 1,840,676.08 2,672,065.01
24 837,555.06 1,834,509.94 2,672,065.01
25 843,766.93 1,828,298.08 2,672,065.01
26 850,024.87 1,822,040.14 2,672,065.01
27 856,329.22 1,815,735.79 2,672,065.01
28 862,680.33 1,809,384.68 2,672,065.01
29 869,078.54 1,802,986.47 2,672,065.01
30 875,524.21 1,796,540.80 2,672,065.01
31 882,017.68 1,790,047.33 2,672,065.01
32 888,559.31 1,783,505.70 2,672,065.01
33 895,149.46 1,776,915.55 2,672,065.01
34 901,788.48 1,770,276.53 2,672,065.01
35 908,476.75 1,763,588.26 2,672,065.01
36 915,214.62 1,756,850.39 2,672,065.01
37 922,002.46 1,750,062.55 2,672,065.01
38 928,840.64 1,743,224.36 2,672,065.01
39 935,729.54 1,736,335.46 2,672,065.01
40 942,669.54 1,729,395.47 2,672,065.01
41 949,661.00 1,722,404.00 2,672,065.01
42 956,704.32 1,715,360.68 2,672,065.01
43 963,799.88 1,708,265.13 2,672,065.01
44 970,948.06 1,701,116.94 2,672,065.01
45 978,149.26 1,693,915.75 2,672,065.01
46 985,403.87 1,686,661.14 2,672,065.01
47 992,712.28 1,679,352.73 2,672,065.01
48 1,000,074.90 1,671,990.11 2,672,065.01
49 1,007,492.12 1,664,572.89 2,672,065.01
50 1,014,964.35 1,657,100.66 2,672,065.01
51 1,022,492.00 1,649,573.00 2,672,065.01
52 1,030,075.49 1,641,989.52 2,672,065.01
53 1,037,715.21 1,634,349.80 2,672,065.01
54 1,045,411.60 1,626,653.41 2,672,065.01
55 1,053,165.07 1,618,899.94 2,672,065.01
56 1,060,976.04 1,611,088.96 2,672,065.01
57 1,068,844.95 1,603,220.06 2,672,065.01
58 1,076,772.22 1,595,292.79 2,672,065.01
59 1,084,758.28 1,587,306.73 2,672,065.01
60 1,092,803.57 1,579,261.44 2,672,065.01
61 1,100,908.53 1,571,156.48 2,672,065.01
62 1,109,073.60 1,562,991.41 2,672,065.01
63 1,117,299.23 1,554,765.78 2,672,065.01
64 1,125,585.86 1,546,479.14 2,672,065.01
65 1,133,933.96 1,538,131.05 2,672,065.01
66 1,142,343.97 1,529,721.04 2,672,065.01
67 1,150,816.35 1,521,248.65 2,672,065.01
68 1,159,351.57 1,512,713.43 2,672,065.01
69 1,167,950.10 1,504,114.91 2,672,065.01
70 1,176,612.40 1,495,452.61 2,672,065.01
71 1,185,338.94 1,486,726.07 2,672,065.01
72 1,194,130.20 1,477,934.81 2,672,065.01
73 1,202,986.67 1,469,078.34 2,672,065.01
74 1,211,908.82 1,460,156.19 2,672,065.01
75 1,220,897.14 1,451,167.87 2,672,065.01
76 1,229,952.13 1,442,112.88 2,672,065.01
77 1,239,074.27 1,432,990.73 2,672,065.01
78 1,248,264.07 1,423,800.93 2,672,065.01
79 1,257,522.03 1,414,542.97 2,672,065.01
80 1,266,848.66 1,405,216.35 2,672,065.01
81 1,276,244.45 1,395,820.56 2,672,065.01
82 1,285,709.93 1,386,355.08 2,672,065.01
83 1,295,245.61 1,376,819.40 2,672,065.01
84 1,304,852.02 1,367,212.99 2,672,065.01
85 1,314,529.67 1,357,535.34 2,672,065.01
86 1,324,279.10 1,347,785.91 2,672,065.01
87 1,334,100.83 1,337,964.17 2,672,065.01
88 1,343,995.41 1,328,069.59 2,672,065.01
89 1,353,963.38 1,318,101.63 2,672,065.01
90 1,364,005.28 1,308,059.73 2,672,065.01
91 1,374,121.65 1,297,943.36 2,672,065.01
 92 1,384,313.05 1,287,751.96 2,672,065.01
93 1,394,580.04 1,277,484.97 2,672,065.01
94 1,404,923.17 1,267,141.83 2,672,065.01
95 1,415,343.02 1,256,721.99 2,672,065.01
96 1,425,840.15 1,246,224.86 2,672,065.01
97 1,436,415.13 1,235,649.88 2,672,065.01
98 1,447,068.54 1,224,996.47 2,672,065.01
99 1,457,800.97 1,214,264.04 2,672,065.01
100 1,468,612.99 1,203,452.02 2,672,065.01
101 1,479,505.20 1,192,559.80 2,672,065.01
102 1,490,478.20 1,181,586.81 2,672,065.01
103 1,501,532.58 1,170,532.43 2,672,065.01
104 1,512,668.95 1,159,396.06 2,672,065.01
105 1,523,887.91 1,148,177.10 2,672,065.01
106 1,535,190.08 1,136,874.93 2,672,065.01
107 1,546,576.07 1,125,488.94 2,672,065.01
108 1,558,046.51 1,114,018.50 2,672,065.01
109 1,569,602.02 1,102,462.99 2,672,065.01
110 1,581,243.24 1,090,821.77 2,672,065.01
111 1,592,970.79 1,079,094.22 2,672,065.01
112 1,604,785.32 1,067,279.68 2,672,065.01
113 1,616,687.48 1,055,377.53 2,672,065.01
114 1,628,677.91 1,043,387.09 2,672,065.01
115 1,640,757.27 1,031,307.73 2,672,065.01
116 1,652,926.22 1,019,138.78 2,672,065.01
117 1,665,185.43 1,006,879.58 2,672,065.01
118 1,677,535.55 994,529.46 2,672,065.01
119 1,689,977.27 982,087.73 2,672,065.01
120 1,702,511.27 969,553.73 2,672,065.01
Total 135,976,164.99 184,671,635.90 320,647,800.89
BUNGA FLAT

Hutang 265,000 Total Bayar 1,091,971.39

Bunga 9.90% per tahun Cicilan 6,066.51
Periode 15 tahun Total Bunga 826,971.39

Tabel Cicilan Dengan Perhitungan Bunga Flat

Bulan Pokok Bunga Total Cicilan

1 1,472.22 4,594.29 6,066.51
2 1,472.22 4,594.29 6,066.51
3 1,472.22 4,594.29 6,066.51
4 1,472.22 4,594.29 6,066.51
5 1,472.22 4,594.29 6,066.51
6 1,472.22 4,594.29 6,066.51
7 1,472.22 4,594.29 6,066.51
8 1,472.22 4,594.29 6,066.51
9 1,472.22 4,594.29 6,066.51
10 1,472.22 4,594.29 6,066.51
11 1,472.22 4,594.29 6,066.51
12 1,472.22 4,594.29 6,066.51
13 1,472.22 4,594.29 6,066.51
14 1,472.22 4,594.29 6,066.51
15 1,472.22 4,594.29 6,066.51
16 1,472.22 4,594.29 6,066.51
17 1,472.22 4,594.29 6,066.51
18 1,472.22 4,594.29 6,066.51
19 1,472.22 4,594.29 6,066.51
20 1,472.22 4,594.29 6,066.51
21 1,472.22 4,594.29 6,066.51
22 1,472.22 4,594.29 6,066.51
23 1,472.22 4,594.29 6,066.51
24 1,472.22 4,594.29 6,066.51
25 1,472.22 4,594.29 6,066.51
26 1,472.22 4,594.29 6,066.51
27 1,472.22 4,594.29 6,066.51
28 1,472.22 4,594.29 6,066.51
29 1,472.22 4,594.29 6,066.51
30 1,472.22 4,594.29 6,066.51
31 1,472.22 4,594.29 6,066.51
32 1,472.22 4,594.29 6,066.51
33 1,472.22 4,594.29 6,066.51
34 1,472.22 4,594.29 6,066.51
35 1,472.22 4,594.29 6,066.51
36 1,472.22 4,594.29 6,066.51
37 1,472.22 4,594.29 6,066.51
38 1,472.22 4,594.29 6,066.51
39 1,472.22 4,594.29 6,066.51
40 1,472.22 4,594.29 6,066.51
41 1,472.22 4,594.29 6,066.51
42 1,472.22 4,594.29 6,066.51
43 1,472.22 4,594.29 6,066.51
44 1,472.22 4,594.29 6,066.51
45 1,472.22 4,594.29 6,066.51
46 1,472.22 4,594.29 6,066.51
47 1,472.22 4,594.29 6,066.51
48 1,472.22 4,594.29 6,066.51
49 1,472.22 4,594.29 6,066.51
50 1,472.22 4,594.29 6,066.51
51 1,472.22 4,594.29 6,066.51
52 1,472.22 4,594.29 6,066.51
53 1,472.22 4,594.29 6,066.51
54 1,472.22 4,594.29 6,066.51
55 1,472.22 4,594.29 6,066.51
56 1,472.22 4,594.29 6,066.51
57 1,472.22 4,594.29 6,066.51
58 1,472.22 4,594.29 6,066.51
59 1,472.22 4,594.29 6,066.51
60 1,472.22 4,594.29 6,066.51
61 1,472.22 4,594.29 6,066.51
62 1,472.22 4,594.29 6,066.51
63 1,472.22 4,594.29 6,066.51
64 1,472.22 4,594.29 6,066.51
65 1,472.22 4,594.29 6,066.51
66 1,472.22 4,594.29 6,066.51
67 1,472.22 4,594.29 6,066.51
68 1,472.22 4,594.29 6,066.51
69 1,472.22 4,594.29 6,066.51
70 1,472.22 4,594.29 6,066.51
71 1,472.22 4,594.29 6,066.51
72 1,472.22 4,594.29 6,066.51
73 1,472.22 4,594.29 6,066.51
74 1,472.22 4,594.29 6,066.51
75 1,472.22 4,594.29 6,066.51
76 1,472.22 4,594.29 6,066.51
77 1,472.22 4,594.29 6,066.51
78 1,472.22 4,594.29 6,066.51
79 1,472.22 4,594.29 6,066.51
80 1,472.22 4,594.29 6,066.51
81 1,472.22 4,594.29 6,066.51
82 1,472.22 4,594.29 6,066.51
83 1,472.22 4,594.29 6,066.51
84 1,472.22 4,594.29 6,066.51
85 1,472.22 4,594.29 6,066.51
86 1,472.22 4,594.29 6,066.51
87 1,472.22 4,594.29 6,066.51
88 1,472.22 4,594.29 6,066.51
89 1,472.22 4,594.29 6,066.51
90 1,472.22 4,594.29 6,066.51
91 1,472.22 4,594.29 6,066.51
 92 1,472.22 4,594.29 6,066.51
93 1,472.22 4,594.29 6,066.51
94 1,472.22 4,594.29 6,066.51
95 1,472.22 4,594.29 6,066.51
96 1,472.22 4,594.29 6,066.51
97 1,472.22 4,594.29 6,066.51
98 1,472.22 4,594.29 6,066.51
99 1,472.22 4,594.29 6,066.51
100 1,472.22 4,594.29 6,066.51
101 1,472.22 4,594.29 6,066.51
102 1,472.22 4,594.29 6,066.51
103 1,472.22 4,594.29 6,066.51
104 1,472.22 4,594.29 6,066.51
105 1,472.22 4,594.29 6,066.51
106 1,472.22 4,594.29 6,066.51
107 1,472.22 4,594.29 6,066.51
108 1,472.22 4,594.29 6,066.51
109 1,472.22 4,594.29 6,066.51
110 1,472.22 4,594.29 6,066.51
111 1,472.22 4,594.29 6,066.51
112 1,472.22 4,594.29 6,066.51
113 1,472.22 4,594.29 6,066.51
114 1,472.22 4,594.29 6,066.51
115 1,472.22 4,594.29 6,066.51
116 1,472.22 4,594.29 6,066.51
117 1,472.22 4,594.29 6,066.51
118 1,472.22 4,594.29 6,066.51
119 1,472.22 4,594.29 6,066.51
120 1,472.22 4,594.29 6,066.51
176,666.67 551,314.26 727,980.93