Simulasi Angsuran BNI Griya Program Q1-2019 Tier 3

Plafon Kredit 156,500,000 Angsuran Bulan ke-1 s.d ke-24 1,011,340

Jangka Waktu 240 Bulan Angsuran Bulan ke-25 s.d ke-36 1,011,340
Suku Bunga Fixed 4.75% p.a fixed 24 bulan Angsuran Bulan ke-37 dst 1,580,658
Staggering 4.75% p.a fixed 12 bulan
Suku bunga Floating 11.50% p.a floating (asumsi)

Bulan ke- Angsuran pokok Angsuran Bunga Notes Interest Total Angsuran Sisa Baki Debet
156,500,000
1 391,861 619,479 4.75% 1,011,340 156,108,139
2 393,412 617,928 4.75% 1,011,340 155,714,727
3 394,969 616,371 4.75% 1,011,340 155,319,758
4 396,533 614,807 4.75% 1,011,340 154,923,225
5 398,102 613,238 4.75% 1,011,340 154,525,123
6 399,678 611,662 4.75% 1,011,340 154,125,445
7 401,260 610,080 4.75% 1,011,340 153,724,185
8 402,848 608,492 4.75% 1,011,340 153,321,337
9 404,443 606,897 4.75% 1,011,340 152,916,894
10 406,044 605,296 4.75% 1,011,340 152,510,850
11 407,651 603,689 4.75% 1,011,340 152,103,199
12 409,265 602,075 4.75% 1,011,340 151,693,934
13 410,885 600,455 4.75% 1,011,340 151,283,049
14 412,511 598,829 4.75% 1,011,340 150,870,538
15 414,144 597,196 4.75% 1,011,340 150,456,394
16 415,783 595,557 4.75% 1,011,340 150,040,610
17 417,429 593,911 4.75% 1,011,340 149,623,181
18 419,082 592,258 4.75% 1,011,340 149,204,099
19 420,740 590,600 4.75% 1,011,340 148,783,359
20 422,406 588,934 4.75% 1,011,340 148,360,953
21 424,078 587,262 4.75% 1,011,340 147,936,875
22 425,757 585,583 4.75% 1,011,340 147,511,119
23 427,442 583,898 4.75% 1,011,340 147,083,677
24 429,134 582,206 4.75% 1,011,340 146,654,543
25 430,832 580,508 4.75% 1,011,340 146,223,711
26 432,538 578,802 4.75% 1,011,340 145,791,173
27 434,250 577,090 4.75% 1,011,340 145,356,923
28 435,969 575,371 4.75% 1,011,340 144,920,954
29 437,695 573,645 4.75% 1,011,340 144,483,260
30 439,427 571,913 4.75% 1,011,340 144,043,833
31 441,166 570,174 4.75% 1,011,340 143,602,666
32 442,913 568,427 4.75% 1,011,340 143,159,753
33 444,666 566,674 4.75% 1,011,340 142,715,087
34 446,426 564,914 4.75% 1,011,340 142,268,661
35 448,193 563,147 4.75% 1,011,340 141,820,468
36 449,967 561,373 4.75% 1,011,340 141,370,501
37 225,858 1,354,801 11.50% 1,580,658 141,144,643
38 228,022 1,352,636 11.50% 1,580,658 140,916,621
39 230,207 1,350,451 11.50% 1,580,658 140,686,414

118 489,047 1,091,611 11.50% 1,580,658 113,418,196

119 493,734 1,086,924 11.50% 1,580,658 112,924,462
120 498,466 1,082,193 11.50% 1,580,658 112,425,997

178 866,725 713,934 11.50% 1,580,658 73,630,702

179 875,031 705,628 11.50% 1,580,658 72,755,672
180 883,416 697,242 11.50% 1,580,658 71,872,255

238 1,536,072 44,587 11.50% 1,580,658 3,116,446

239 1,550,792 29,866 11.50% 1,580,658 1,565,654
240 1,565,654 15,004 11.50% 1,580,658 -
Harga Rumah Rp 164,500,000
Uang Muka (DP) Rp 8,225,000
Plafon Kredit Rp 156,500,000
Jangka Waktu 20 Tahun
Suku Bunga Floating 13.50%
Suku Bunga Fix 4.75% 6.75% 8.75%
Jumlah Angsuran Fix 3 Jumlah Angsuran Fix 5 Jumlah Angsuran Fix
Tahun Ke- Keterangan
Tahun Tahun 10 Tahun
1 Rp. 1,011,340 Rp. 1,189,970 Rp. 1,383,007
2 Rp. 1,011,340 Rp. 1,189,970 Rp. 1,383,007
3 Rp. 1,011,340 Rp. 1,189,970 Rp. 1,383,007
4 Rp. 1,771,187 Rp. 1,189,970 Rp. 1,383,007
5 Rp. 1,771,187 Rp. 1,189,970 Rp. 1,383,007
6 Rp. 1,771,187 Rp. 1,806,407 Rp. 1,383,007
7 Rp. 1,771,187 Rp. 1,806,407 Rp. 1,383,007
8 Rp. 1,771,187 Rp. 1,806,407 Rp. 1,383,007
9 Rp. 1,771,187 Rp. 1,806,407 Rp. 1,383,007
10 Rp. 1,771,187 Rp. 1,806,407 Rp. 1,383,007
11 Rp. 1,771,187 Rp. 1,806,407 Rp. 1,836,509
12 Rp. 1,771,187 Rp. 1,806,407 Rp. 1,836,509
13 Rp. 1,771,187 Rp. 1,806,407 Rp. 1,836,509
14 Rp. 1,771,187 Rp. 1,806,407 Rp. 1,836,509
15 Rp. 1,771,187 Rp. 1,806,407 Rp. 1,836,509
16 Rp. 1,771,187 Rp. 1,806,407 Rp. 1,836,509
17 Rp. 1,771,187 Rp. 1,806,407 Rp. 1,836,509
18 Rp. 1,771,187 Rp. 1,806,407 Rp. 1,836,509
19 Rp. 1,771,187 Rp. 1,806,407 Rp. 1,836,509
20 Rp. 1,771,187 Rp. 1,806,407 Rp. 1,836,509
Harga Rumah Rp 164,500,000
Uang Muka (DP) Rp 8,225,000
Plafon Kredit Rp 156,500,000
Jangka Waktu 15 Tahun
Suku Bunga Floating 13.50%
Suku Bunga Fix 4.75% 6.75% 8.75%
Jumlah Angsuran Fix Jumlah Angsuran Fix Jumlah Angsuran Fix
Tahun Ke- Keterangan
3 Tahun 5 Tahun 10 Tahun
1 Rp. 1,217,307 Rp. 1,384,883 Rp. 1,564,137
2 Rp. 1,217,307 Rp. 1,384,883 Rp. 1,564,137
3 Rp. 1,217,307 Rp. 1,384,883 Rp. 1,564,137
4 Rp. 1,875,483 Rp. 1,384,883 Rp. 1,564,137
5 Rp. 1,875,483 Rp. 1,384,883 Rp. 1,564,137
6 Rp. 1,875,483 Rp. 1,917,790 Rp. 1,564,137
7 Rp. 1,875,483 Rp. 1,917,790 Rp. 1,564,137
8 Rp. 1,875,483 Rp. 1,917,790 Rp. 1,564,137
9 Rp. 1,875,483 Rp. 1,917,790 Rp. 1,564,137
10 Rp. 1,875,483 Rp. 1,917,790 Rp. 1,564,137
11 Rp. 1,875,483 Rp. 1,917,790 Rp. 1,956,175
12 Rp. 1,875,483 Rp. 1,917,790 Rp. 1,956,175
13 Rp. 1,875,483 Rp. 1,917,790 Rp. 1,956,175
14 Rp. 1,875,483 Rp. 1,917,790 Rp. 1,956,175
15 Rp. 1,875,483 Rp. 1,917,790 Rp. 1,956,175
Harga Rumah Rp 164,500,000
Uang Muka (DP) Rp 8,225,000
Plafon Kredit Rp 156,500,000
Jangka Waktu 10Tahun
Suku Bunga Floating 13.50%
Suku Bunga Fix 4.75% 6.75% 8.75%
Jumlah Angsuran Fix 3 Jumlah Angsuran Fix 5 Jumlah Angsuran Fix 10
Tahun Ke- Keterangan
Tahun Tahun Tahun
1 Rp. 1,640,867 Rp. 1,796,997 Rp. 1,961,364
2 Rp. 1,640,867 Rp. 1,796,997 Rp. 1,961,364
3 Rp. 1,640,867 Rp. 1,796,997 Rp. 1,961,364
4 Rp. 2,161,590 Rp. 1,796,997 Rp. 1,961,364
5 Rp. 2,161,590 Rp. 1,796,997 Rp. 1,961,364
6 Rp. 2,161,590 Rp. 2,216,411 Rp. 1,961,364
7 Rp. 2,161,590 Rp. 2,216,411 Rp. 1,961,364
8 Rp. 2,161,590 Rp. 2,216,411 Rp. 1,961,364
9 Rp. 2,161,590 Rp. 2,216,411 Rp. 1,961,364
10 Rp. 2,161,590 Rp. 2,216,411 Rp. 1,961,364
Rp. 20,053,731 Rp 20,067,042 Rp 19,613,636
Rp 240,644,774 Rp 240,804,500 Rp 235,363,637
Harga Rumah Rp 164,500,000
Uang Muka (DP) Rp 8,225,000
Plafon Kredit Rp 156,500,000
Jangka Waktu 10Tahun
Suku Bunga Floating 11.50%
Suku Bunga Fix 4.75% 6.75% 8.75%
Jumlah Angsuran Fix 3 Jumlah Angsuran Fix 5 Jumlah Angsuran Fix 10
Tahun Ke- Keterangan
Tahun Tahun Tahun
1 Rp. 1,640,867 Rp. 1,796,997 Rp. 1,961,364
2 Rp. 1,640,867 Rp. 1,796,997 Rp. 1,961,364
3 Rp. 1,640,867 Rp. 1,796,997 Rp. 1,961,364
4 Rp. 2,035,343 Rp. 1,796,997 Rp. 1,961,364
5 Rp. 2,035,343 Rp. 1,796,997 Rp. 1,961,364
6 Rp. 2,035,343 Rp. 2,086,963 Rp. 1,961,364
7 Rp. 2,035,343 Rp. 2,086,963 Rp. 1,961,364
8 Rp. 2,035,343 Rp. 2,086,963 Rp. 1,961,364
9 Rp. 2,035,343 Rp. 2,086,963 Rp. 1,961,364
10 Rp. 2,035,343 Rp. 2,086,963 Rp. 1,961,364
Rp. 19,170,006 Rp 19,419,800 Rp 19,613,636
Rp 230,040,069 Rp 233,037,604 Rp 235,363,637
Harga Rumah Rp 164,500,000
Uang Muka (DP) Rp 8,225,000
Plafon Kredit Rp 156,500,000
Jangka Waktu 15 Tahun
Suku Bunga Floating 11.50%
Suku Bunga Fix 4.75% 6.75% 8.75%
Jumlah Angsuran Fix Jumlah Angsuran Fix Jumlah Angsuran Fix
Tahun Ke- Keterangan
3 Tahun 5 Tahun 10 Tahun
1 Rp. 1,217,307 Rp. 1,384,883 Rp. 1,564,137
2 Rp. 1,217,307 Rp. 1,384,883 Rp. 1,564,137
3 Rp. 1,217,307 Rp. 1,384,883 Rp. 1,564,137
4 Rp. 1,712,178 Rp. 1,384,883 Rp. 1,564,137
5 Rp. 1,712,178 Rp. 1,384,883 Rp. 1,564,137
6 Rp. 1,712,178 Rp. 1,750,802 Rp. 1,564,137
7 Rp. 1,712,178 Rp. 1,750,802 Rp. 1,564,137
8 Rp. 1,712,178 Rp. 1,750,802 Rp. 1,564,137
9 Rp. 1,712,178 Rp. 1,750,802 Rp. 1,564,137
10 Rp. 1,712,178 Rp. 1,750,802 Rp. 1,564,137
11 Rp. 1,712,178 Rp. 1,750,802 Rp. 1,785,844
12 Rp. 1,712,178 Rp. 1,750,802 Rp. 1,785,844
13 Rp. 1,712,178 Rp. 1,750,802 Rp. 1,785,844
14 Rp. 1,712,178 Rp. 1,750,802 Rp. 1,785,844
15 Rp. 1,712,178 Rp. 1,750,802 Rp. 1,785,844
Harga Rumah Rp 164,500,000
Uang Muka (DP) Rp 8,225,000
Plafon Kredit Rp 156,500,000
Jangka Waktu 20 Tahun
Suku Bunga Floating 11.50%
Suku Bunga Fix 4.75% 6.75% 8.75%
Jumlah Angsuran Fix 3 Jumlah Angsuran Fix 5 Jumlah Angsuran Fix
Tahun Ke- Keterangan
Tahun Tahun 10 Tahun
1 Rp. 1,011,340 Rp. 1,189,970 Rp. 1,383,007
2 Rp. 1,011,340 Rp. 1,189,970 Rp. 1,383,007
3 Rp. 1,011,340 Rp. 1,189,970 Rp. 1,383,007
4 Rp. 1,580,658 Rp. 1,189,970 Rp. 1,383,007
5 Rp. 1,580,658 Rp. 1,189,970 Rp. 1,383,007
6 Rp. 1,580,658 Rp. 1,612,090 Rp. 1,383,007
7 Rp. 1,580,658 Rp. 1,612,090 Rp. 1,383,007
8 Rp. 1,580,658 Rp. 1,612,090 Rp. 1,383,007
9 Rp. 1,580,658 Rp. 1,612,090 Rp. 1,383,007
10 Rp. 1,580,658 Rp. 1,612,090 Rp. 1,383,007
11 Rp. 1,580,658 Rp. 1,612,090 Rp. 1,638,954
12 Rp. 1,580,658 Rp. 1,612,090 Rp. 1,638,954
13 Rp. 1,580,658 Rp. 1,612,090 Rp. 1,638,954
14 Rp. 1,580,658 Rp. 1,612,090 Rp. 1,638,954
15 Rp. 1,580,658 Rp. 1,612,090 Rp. 1,638,954
16 Rp. 1,580,658 Rp. 1,612,090 Rp. 1,638,954
17 Rp. 1,580,658 Rp. 1,612,090 Rp. 1,638,954
18 Rp. 1,580,658 Rp. 1,612,090 Rp. 1,638,954
19 Rp. 1,580,658 Rp. 1,612,090 Rp. 1,638,954
20 Rp. 1,580,658 Rp. 1,612,090 Rp. 1,638,954