LOAN CALCULATOR WILAYAH 2 2

Jenis Kredit 0 (1 = Premium, 0 = Normal)

Jenis Angsuran 0 (1 = ADDM. 0 = ADDB)
Jenis Asuransi 1 (0 = OJK, 1 = BPK)
Perluasan Lengkap 0 (0=Tidak, 1 = Ya)
BPK 1 (0 = Cash, 1 = Dikreditkan)
Provisi 1 (0 = Cash, 1 = Dikreditkan)
Biaya Admin 1 (0 = Cash, 1 = Dikreditkan)
CLI 0 (0 = Cash, 1 = Dikreditkan)
Upping Biaya Admin 6,000,000

Perhitungan Angsuran Bulat

Tenor 5 Tahun (ADDB)
OTR 116,500,000
Total DP 23,330,876
Angsuran 3,015,000
LTV 108.1330%

Target Angsuran Bulat 35,000,000

DP Murni Baru -1072.49%

Target TDP Bulat 400,000,000

DP Murni Baru 343.35%
Copy "C29" atau "C32" dan PASTE SPECIAL - VALUE ONLY di "G4" (DP Murni)
Tipe Customer 0 (1 = PT, 0 = Perorangan)
Tenor 5
OTR 116,500,000
DP Murni 20.00% 23,300,000.00
Provisi 5.00%
Insentif Provisi 4.00%
Pendapatan MAF 1.00%

Perhitungan TDP Bulat

Tenor 5 Tahun (ADDB)
OTR 116,500,000
Total DP 23,300,000
Angsuran 3,015,776
LTV 108.1608%

3,015,000
Target TDP OTR DP Murni Pokok Hutang Biaya Proses (On Loan)
400,000,000 116,500,000 23,330,876 93,169,124 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000
400,000,000 116,500,000 400,000,000 (283,500,000) 18,407,000

Target Angsuran OTR DP Murni Pokok Hutang Biaya Proses (On Loan)
35,000,000 116,500,000 23,300,000 93,200,000 18,407,000
35,000,000 116,500,000 ### 1,429,588,193 18,407,000
35,000,000 116,500,000 ### 1,362,768,784 18,407,000
35,000,000 116,500,000 ### 1,366,109,754 18,407,000
35,000,000 116,500,000 ### 1,365,942,705 18,407,000
35,000,000 116,500,000 ### 1,365,951,058 18,407,000
35,000,000 116,500,000 ### 1,365,950,640 18,407,000
35,000,000 116,500,000 ### 1,365,950,661 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
 35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000
35,000,000 116,500,000 ### 1,365,950,660 18,407,000

Target Angsuran OTR DP Murni Pokok Hutang Biaya Proses (On Loan)
3,015,000 116,500,000 23,300,000 93,200,000 18,407,000
3,015,000 116,500,000 23,332,420 93,167,580 18,407,000
3,015,000 116,500,000 23,330,799 93,169,201 18,407,000
3,015,000 116,500,000 23,330,880 93,169,120 18,407,000
3,015,000 116,500,000 23,330,876 93,169,124 18,407,000
3,015,000 116,500,000 23,330,876 93,169,124 18,407,000
3,015,000 116,500,000 23,330,876 93,169,124 18,407,000
3,015,000 116,500,000 23,330,876 93,169,124 18,407,000
3,015,000 116,500,000 23,330,876 93,169,124 18,407,000
3,015,000 116,500,000 23,330,876 93,169,124 18,407,000
3,015,000 116,500,000 23,330,876 93,169,124 18,407,000
3,015,000 116,500,000 23,330,876 93,169,124 18,407,000
3,015,000 116,500,000 23,330,876 93,169,124 18,407,000
3,015,000 116,500,000 23,330,876 93,169,124 18,407,000
3,015,000 116,500,000 23,330,876 93,169,124 18,407,000
3,015,000 116,500,000 23,330,876 93,169,124 18,407,000
3,015,000 116,500,000 23,330,876 93,169,124 18,407,000
3,015,000 116,500,000 23,330,876 93,169,124 18,407,000
3,015,000 116,500,000 23,330,876 93,169,124 18,407,000
3,015,000 116,500,000 23,330,876 93,169,124 18,407,000
Biaya Admin (On Loan) Provisi (On Loan) CLI(On Loan) Total PH Bunga
8,400,000 5,998,806 - 125,974,930 54,925,070
8,400,000 (12,834,650) - (269,527,650) (117,514,055)
8,400,000 (12,834,650) - (269,527,650) (117,514,055)
8,400,000 (12,834,650) - (269,527,650) (117,514,055)
8,400,000 (12,834,650) - (269,527,650) (117,514,055)
8,400,000 (12,834,650) - (269,527,650) (117,514,055)
8,400,000 (12,834,650) - (269,527,650) (117,514,055)
8,400,000 (12,834,650) - (269,527,650) (117,514,055)
8,400,000 (12,834,650) - (269,527,650) (117,514,055)
8,400,000 (12,834,650) - (269,527,650) (117,514,055)
8,400,000 (12,834,650) - (269,527,650) (117,514,055)
8,400,000 (12,834,650) - (269,527,650) (117,514,055)
8,400,000 (12,834,650) - (269,527,650) (117,514,055)
8,400,000 (12,834,650) - (269,527,650) (117,514,055)
8,400,000 (12,834,650) - (269,527,650) (117,514,055)
8,400,000 (12,834,650) - (269,527,650) (117,514,055)
8,400,000 (12,834,650) - (269,527,650) (117,514,055)
8,400,000 (12,834,650) - (269,527,650) (117,514,055)
8,400,000 (12,834,650) - (269,527,650) (117,514,055)

Biaya Admin (On Loan) Provisi (On Loan) CLI(On Loan) Total PH New PH
8,400,000 6,000,350 - 126,007,350 1,462,395,543
8,400,000 72,819,760 - 1,529,214,953 1,462,395,543
8,400,000 69,478,789 - 1,459,054,573 1,462,395,543
8,400,000 69,645,838 - 1,462,562,592 1,462,395,543
8,400,000 69,637,485 - 1,462,387,191 1,462,395,543
8,400,000 69,637,903 - 1,462,395,961 1,462,395,543
8,400,000 69,637,882 - 1,462,395,522 1,462,395,543
8,400,000 69,637,883 - 1,462,395,544 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
 8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543
8,400,000 69,637,883 - 1,462,395,543 1,462,395,543

Biaya Admin (On Loan) Provisi (On Loan) CLI(On Loan) Total PH New PH
8,400,000 6,000,350 - 126,007,350 125,974,930
8,400,000 5,998,729 - 125,973,309 125,974,930
8,400,000 5,998,810 - 125,975,011 125,974,930
8,400,000 5,998,806 - 125,974,926 125,974,930
8,400,000 5,998,806 - 125,974,931 125,974,930
8,400,000 5,998,806 - 125,974,930 125,974,930
8,400,000 5,998,806 - 125,974,930 125,974,930
8,400,000 5,998,806 - 125,974,930 125,974,930
8,400,000 5,998,806 - 125,974,930 125,974,930
8,400,000 5,998,806 - 125,974,930 125,974,930
8,400,000 5,998,806 - 125,974,930 125,974,930
8,400,000 5,998,806 - 125,974,930 125,974,930
8,400,000 5,998,806 - 125,974,930 125,974,930
8,400,000 5,998,806 - 125,974,930 125,974,930
8,400,000 5,998,806 - 125,974,930 125,974,930
8,400,000 5,998,806 - 125,974,930 125,974,930
8,400,000 5,998,806 - 125,974,930 125,974,930
8,400,000 5,998,806 - 125,974,930 125,974,930
8,400,000 5,998,806 - 125,974,930 125,974,930
8,400,000 5,998,806 - 125,974,930 125,974,930
PH + Bunga Angsuran DP Murni Biaya Proses Provisi Biaya Admin
180,900,000 3,015,000 23,330,876 - - -
(387,041,705) (6,450,695) 400,000,000 - - -
(387,041,705) (6,450,695) 400,000,000 - - -
(387,041,705) (6,450,695) 400,000,000 - - -
(387,041,705) (6,450,695) 400,000,000 - - -
(387,041,705) (6,450,695) 400,000,000 - - -
(387,041,705) (6,450,695) 400,000,000 - - -
(387,041,705) (6,450,695) 400,000,000 - - -
(387,041,705) (6,450,695) 400,000,000 - - -
(387,041,705) (6,450,695) 400,000,000 - - -
(387,041,705) (6,450,695) 400,000,000 - - -
(387,041,705) (6,450,695) 400,000,000 - - -
(387,041,705) (6,450,695) 400,000,000 - - -
(387,041,705) (6,450,695) 400,000,000 - - -
(387,041,705) (6,450,695) 400,000,000 - - -
(387,041,705) (6,450,695) 400,000,000 - - -
(387,041,705) (6,450,695) 400,000,000 - - -
(387,041,705) (6,450,695) 400,000,000 - - -
(387,041,705) (6,450,695) 400,000,000 - - -

DP Baru
(1,313,088,193)
(1,246,268,784)
(1,249,609,754)
(1,249,442,705)
(1,249,451,058)
(1,249,450,640)
(1,249,450,661)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)
(1,249,450,660)

-1072.4898%

DP Baru
23,332,420
23,330,799
23,330,880
23,330,876
23,330,876
23,330,876
23,330,876
23,330,876
23,330,876
23,330,876
23,330,876
23,330,876
23,330,876
23,330,876
23,330,876
23,330,876
23,330,876
23,330,876
23,330,876
23,330,876

20.03%
CLI Angsuran 1 TDP DP Baru
- - 23,330,876 400,000,000
- - 400,000,000 400,000,000
- - 400,000,000 400,000,000
- - 400,000,000 400,000,000
- - 400,000,000 400,000,000
- - 400,000,000 400,000,000
- - 400,000,000 400,000,000
- - 400,000,000 400,000,000
- - 400,000,000 400,000,000
- - 400,000,000 400,000,000
- - 400,000,000 400,000,000
- - 400,000,000 400,000,000
- - 400,000,000 400,000,000
- - 400,000,000 400,000,000
- - 400,000,000 400,000,000
- - 400,000,000 400,000,000
- - 400,000,000 400,000,000
- - 400,000,000 400,000,000
- - 400,000,000 400,000,000

343.3476%
Tenor OnLoan (1) 48 ADDM
OTR 116,500,000
Uang Muka Murni 20.00% 23,300,000
Biaya Proses 0 13.2000% 15,378,000 A
Asuransi Kerugian 0 10.2690% 11,963,385 B
Biaya Provisi Asuransi 0 3,414,615 (A - B)
Biaya Administrasi 0 5,000,000
Biaya Provisi Dealer 0 5.00% 4,660,000
Jumlah Pembiayaan 93,200,000 93,200,000
Bunga Flat / Eff 6.7500% 25,164,000 102,860,000
AR 118,364,000
Angsuran 2,465,917

Uang Muka Gross 50,803,917

Uang Muka Murni 23,300,000
Biaya Proses 15,378,000
Biaya Administrasi 5,000,000
Biaya Provisi Dealer 4,660,000
Angsuran 2,465,917

Subsidi Pihak Ketiga -

Pelunasan ke Dealer 65,696,083

Tenor OnLoan (1) 48 ADDM
OTR 116,500,000
Uang Muka Murni 20.00% 23,300,000 -
Biaya Proses 0 13.2000% 15,378,000 A
Asuransi Kerugian 0 10.2690% 11,963,385 B
Biaya Provisi Asuransi 0 1,203,377 (A - B)
Biaya Administrasi 0 2,200,000
Biaya Provisi Dealer 0 1.00% 932,000
Jumlah Pembiayaan 93,200,000 -
Bunga Flat / Eff 6.7500% 25,164,000 93,200,000
AR 118,364,000 96,332,000
Angsuran 2,465,917

Uang Muka Gross 42,064,678 -

Uang Muka Murni 23,300,000 50,803,917
Asuransi Kerugian 11,963,385 -
Biaya Provisi Asuransi 1,203,377
Biaya Administrasi 2,200,000
Biaya Provisi Dealer 932,000
Angsuran 2,465,917
3,414,615
Subsidi Pihak Ketiga 8,739,239 2,211,239
1,203,377
Pelunasan ke Dealer (Sistem) 74,435,322
Pelunasan ke Dealer Sebenarnya 65,696,083 -
Sumber Order
7,731,377 (4,178,924)
Upping Provisi 3,728,000
Upping Admin 2,800,000
Upping BPK 1,203,377
Refund Asuransi 5,382,300 35%
11,910,300

Total Income Loan Calc 31,710,615

Total Income Konversi 29,499,377
16.97%

Refund dr TAC(Loan Calc) 3,171,062 10.00%

Refund dr TAC(Konversi) 3,171,062 10.75%

Kuncian Limit Refund 11,910,300

(35% + Upping Adm + Provisi) 8,739,239
TAC 3,171,062

Kuncian Limit Refund 38,421,750

(35% + Upping Adm + Provisi) 26,107,481
12,314,269
 1 3.2600% 5.8680% 8.1500% 10.2690% 12.3065%
125,000,001 2.4700% 5.0780% 7.3600% 9.4790% 11.5165%
156,250,001 2.4700% 4.4460% 6.7280% 8.8470% 10.8845%
178,571,430 2.4700% 4.4460% 6.1750% 8.2940% 10.3315%
192,307,693 2.4700% 4.4460% 6.1750% 7.7805% 9.8180%
200,000,001 2.0800% 4.0560% 5.7850% 7.3905% 8.9343%
250,000,001 2.0800% 3.7440% 5.4730% 7.0785% 8.6223%
285,714,287 2.0800% 3.7440% 5.2000% 6.8055% 8.3493%
307,692,309 2.0800% 3.7440% 5.2000% 6.5520% 8.0958%
320,000,001 2.0800% 3.7440% 5.2000% 6.5520% 7.8520%
400,000,001 1.2000% 2.8640% 4.3200% 5.6720% 6.9720%
500,000,001 1.2000% 2.1600% 3.6160% 4.9680% 6.2680%
571,428,572 1.2000% 2.1600% 3.0000% 4.3520% 5.6520%
615,384,616 1.2000% 2.1600% 3.0000% 3.7800% 5.0800%
640,000,001 1.2000% 2.1600% 3.0000% 3.7800% 4.5300%
800,000,001 1.0500% 2.0100% 2.8500% 3.6300% 4.3800%
1,000,000,001 1.0500% 1.8900% 2.7300% 3.5100% 4.2600%
1,142,857,144 1.0500% 1.8900% 2.6250% 3.4050% 4.1550%
1,230,769,232 1.0500% 1.8900% 2.6250% 3.3075% 4.0575%
1,280,000,001 1.0500% 1.8900% 2.6250% 3.3075% 3.9638%
 ADDB A
OTR
1 Tahun 2 Tahun 3 Tahun 4 Tahun 5 Tahun 1 Tahun
1 6.79% 6.99% 7.17% 7.99% 8.22% 5.20%
200,000,001 6.49% 6.74% 7.02% 7.74% 7.87% 4.45%
400,000,001 5.59% 6.09% 6.47% 7.14% 7.47% 3.75%
800,000,001 5.49% 5.99% 6.37% 7.04% 7.37% 3.65%

LTV > 70 %
ADDB A
OTR
1 Tahun 2 Tahun 3 Tahun 4 Tahun 5 Tahun 1 Tahun
1 7.29% 7.49% 7.67% 8.49% 8.72% 5.70%
200,000,001 6.99% 7.24% 7.52% 8.24% 8.37% 4.95%
400,000,001 6.09% 6.59% 6.97% 7.64% 7.97% 4.25%
800,000,001 5.99% 6.49% 6.87% 7.54% 7.87% 4.15%

1 1,600,000 1,800,000 2,000,000 2,200,000 2,400,000

100,000 200,000 300,000 400,000 500,000
STANDAR
1 4.00% 7.40% 10.40% 13.20% 15.80%
125,000,001 3.00% 6.00% 9.00% 12.00% 15.00%
200,000,001 3.00% 5.70% 8.10% 10.35% 12.45%
600,000,001 2.7500% 5.2250% 7.4250% 9.4875% 11.4125%
LENGKAP
1 4.5000% 8.3250% 11.7000% 14.8500% 17.7750%
125,000,001 3.5000% 7.0000% 10.5000% 14.0000% 17.5000%
200,000,001 3.5000% 6.6500% 9.4500% 12.0750% 14.5250%
600,000,001 3.2500% 6.1750% 8.7750% 11.2125% 13.4875%
ADDM
OTR
1 Tahun 2 Tahun 3 Tahun 4 Tahun 5 Tahun
1 0.00% 0.00% 0.00% 0.00% 0.00%
800,000,001 4.08% 4.78% 5.18% 6.08% 6.28%

1 0.00% 0.00% 0.00% 0.00% 0.00%

800,000,001 2.50% 4.63% 6.50% 8.25% 9.88%
 ADDM ADDB
1 35% 40%
200,000,001 35% 45%

1 1500000
2 1600000
3 1700000
4 1800000
5 1900000
 ADDM CLI
2 Tahun 3 Tahun 4 Tahun 5 Tahun 1
6.02% 6.31% 7.09% 7.38% 2
5.42% 5.86% 6.74% 7.03% 3
4.82% 5.36% 6.24% 6.58% 4
4.62% 5.11% 6.04% 6.33% 5

ADDM Bunga Premium

2 Tahun 3 Tahun 4 Tahun 5 Tahun 1 3.98%
6.52% 6.81% 7.59% 7.88% 2 4.58%
5.92% 6.36% 7.24% 7.53% 3 4.88%
5.32% 5.86% 6.74% 7.08% 4 4.98%
5.12% 5.61% 6.54% 6.83% 5 5.80%

Bunga Lama Simulasi PH 500,000,000

6.98% 7.18% 1 0.00% -
6.90% 7.10% 2 0.00% -
6.45% 6.65% 3 0.00% -
4 0.00% -
7.48% 7.68% 5 0.00% -
7.40% 7.60%
6.95% 7.15%

Wilayah 1 Wilayah 2 Wilayah 3

1 0.2950000% 0.3000000% 0.2500000%
2 0.5310000% 0.5400000% 0.4500000%
3 0.7375000% 0.7500000% 0.6250000%
4 0.9292500% 0.9450000% 0.7875000%
5 1.1136250% 1.1325000% 0.9437500%
500,000,000
500,000,000
500,000,000
500,000,000
500,000,000