SIMULASI KERUGIAN RESTRUK MBS-ONLINE

1 Bd Restruk 9,619,500
2 JKW Old 18
3 JKW New 22
4 Tgl Mulai 6/2/2022
5 Tgl JT 4/2/2024
6 SB Old 20.4%
7 SB New 18.0%
8 Sistem Bunga FLATE Bd Restruk 9,619,500
9 Bunga Flate 144,292.50 Total Nilai Tunai 10,599,710
10 Bunga Anuitas 516,599.04 Kerugian Restruk -
11 SB Efektif 0.0000%

Angsuran
N Tanggal Bakidebet Nilai Tunai
Pokok Bunga Total
0 02/06/2022 0 144,293 0 9,619,500
1 02/07/2022 437,250 144,293 581,543 9,182,250 571,822
2 02/08/2022 437,250 144,293 581,543 8,745,000 562,263
3 02/09/2022 437,250 144,293 581,543 8,307,750 552,864
4 02/10/2022 437,250 144,293 581,543 7,870,500 543,623
5 02/11/2022 437,250 144,293 581,543 7,433,250 534,536
6 02/12/2022 437,250 144,293 581,543 6,996,000 525,600
7 02/01/2023 437,250 144,293 581,543 6,558,750 516,815
8 02/02/2023 437,250 144,293 581,543 6,121,500 508,176
9 02/03/2023 437,250 144,293 581,543 5,684,250 499,681
10 02/04/2023 437,250 144,293 581,543 5,247,000 491,328
11 02/05/2023 437,250 144,293 581,543 4,809,750 483,116
12 02/06/2023 437,250 144,293 581,543 4,372,500 475,040
13 02/07/2023 437,250 144,293 581,543 3,935,250 467,099
14 02/08/2023 437,250 144,293 581,543 3,498,000 459,291
15 02/09/2023 437,250 144,293 581,543 3,060,750 451,614
16 02/10/2023 437,250 144,293 581,543 2,623,500 444,065
17 02/11/2023 437,250 144,293 581,543 2,186,250 436,642
18 02/12/2023 437,250 144,293 581,543 1,749,000 429,343
19 02/01/2024 437,250 144,293 581,543 1,311,750 422,166
20 02/02/2024 437,250 144,293 581,543 874,500 415,109
21 02/03/2024 437,250 144,293 581,543 437,250 408,170
22 02/04/2024 437,250 144,293 581,543 - 401,347
SIMULASI KERUGIAN RESTRUK MBS-ONLINE

1 Bd Restruk 54,888,311
2 JKW Old 36
3 JKW New 12
4 Tgl Mulai 11/18/2021
5 Tgl JT 11/18/2022
6 SB Old 18.0%
7 SB New 5.0%
8 Sistem Bunga ANUITAS Bd Restruk 54,888,311
9 Bunga Flate 228,701.30 Nilai Tunai 101,145,296
10 Bunga Anuitas 4,698,850.08 Kerugian Restruk -
11 SB Efektif 0.0000%

Angsuran
N Tanggal Bakidebet Nilai Tunai
Pokok Bunga Total
0 18/11/2021 0 0 0 54,888,311
1 18/12/2021 4,574,000 4,699,000 9,273,000 50,314,311 9,135,961
2 18/01/2022 4,574,000 4,699,000 9,273,000 45,740,311 9,000,946
3 18/02/2022 4,574,000 4,699,000 9,273,000 41,166,311 8,867,927
4 18/03/2022 4,574,000 4,699,000 9,273,000 36,592,311 8,736,874
5 18/04/2022 4,574,000 4,699,000 9,273,000 32,018,311 8,607,758
6 18/05/2022 4,574,000 4,699,000 9,273,000 27,444,311 8,480,550
7 18/06/2022 4,574,000 4,699,000 9,273,000 22,870,311 8,355,221
8 18/07/2022 4,574,000 4,699,000 9,273,000 18,296,311 8,231,745
9 18/08/2022 4,574,000 4,699,000 9,273,000 13,722,311 8,110,094
10 18/09/2022 4,574,000 4,699,000 9,273,000 9,148,311 7,990,240
11 18/10/2022 4,574,000 4,699,000 9,273,000 4,574,311 7,872,158
12 18/11/2022 4,574,311 4,698,689 9,273,000 - 7,755,821
SIMULASI KERUGIAN RESTRUK MBS-ONLINE

1 Bd Restruk 2,522,500 1
2 JKW Old 18 2
3 JKW New 12 4
4 Tgl Mulai 11/18/2021 5
5 Tgl JT 11/18/2022 6
6 SB Old 20.4% 7
7 SB New 10.0%
8 Sistem Bunga KONVERSI Bd Restruk 2,522,500
9 Bunga Flate 21,020.83 Nilai Tunai 2,244,449
10 Bunga Anuitas 221,767.83 Kerugian Restruk 278,051
11 SB Efektif 40.8884%

Angsuran
N Tanggal Bakidebet Nilai Tunai
Pokok Bunga Total
0 18/11/2021 0 0 0 2,522,500
1 18/12/2021 210,000 21,000 231,000 2,312,500 223,388
2 18/01/2022 210,000 21,000 231,000 2,102,500 216,027
3 18/02/2022 210,000 21,000 231,000 1,892,500 208,909
4 18/03/2022 210,000 21,000 231,000 1,682,500 202,025
5 18/04/2022 210,000 21,000 231,000 1,472,500 195,369
6 18/05/2022 210,000 21,000 231,000 1,262,500 188,931
7 18/06/2022 210,000 21,000 231,000 1,052,500 182,706
8 18/07/2022 210,000 21,000 231,000 842,500 176,685
9 18/08/2022 210,000 21,000 231,000 632,500 170,863
10 18/09/2022 210,000 21,000 231,000 422,500 165,233
11 18/10/2022 210,000 21,000 231,000 212,500 159,789
12 18/11/2022 212,500 18,500 231,000 - 154,523
Bd Restruk 2,522,500
JKW Old 18
SB Old 20.4% SB Efektif 40.8884%
Angs. Pokok 140,150.00
Angs. Bunga 42,882.50
Total 183,032.50 Angs Baru 189,782.33
0