CONTOH PERHITUNGAN ANGSURAN (ANUITAS) (0)

In Arrear = Angsuran mulai dibayar bulan berikutnya In Advance =angsuran dibayar pada saat awal (DP d
Angsuran / bln Angsuran / bln

Pinjaman x suku bunga

Pinjaman x suku bunga VARIABEL YANG
DAPAT DIUBAH 1
1 1-
1- Tenor BERTANDA BIRU (1+suku bunga)
(1 + suku bunga)

Ingat! Dalam perhitungan suku bunga harus dibagi 12 Ingat! Dalam perhitungan suku bunga harus dibagi 12

Pokok 88,800,000 Angsuran/Bln 1,653,146 Pokok 88,800,000

Tenor (Bln) 120 Tot P+B 198,377,552 Tenor (Bln) 120
Int (eff) 19% Tot Bunga 109,577,552 Int (eff) 19%

pokok x suku bunga

12

Bulan AngKe O/S Pokok AngPokok Angs Bunga Angsuran AngKe O/S Pokok

0 0 88,800,000 - - 1 87,172,517
1 1 88,547,107 252,893 1,400,254 1,653,146 2 86,919,624
2 2 88,290,227 256,880 1,396,266 1,653,146 3 86,662,744
3 3 88,029,296 260,931 1,392,215 1,653,146 4 86,401,813
4 4 87,764,251 265,046 1,388,101 1,653,146 5 86,136,767
5 5 87,495,026 269,225 1,383,921 1,653,146 6 85,867,542
6 6 87,221,555 273,470 1,379,676 1,653,146 7 85,594,072
7 7 86,943,773 277,782 1,375,364 1,653,146 8 85,316,290
8 8 86,661,610 282,163 1,370,984 1,653,146 9 85,034,127
9 9 86,374,998 286,612 1,366,534 1,653,146 10 84,747,515
10 10 86,083,867 291,132 1,362,015 1,653,146 11 84,456,383
11 11 85,788,144 295,722 1,357,424 1,653,146 12 84,160,661
12 12 85,487,759 300,385 1,352,761 1,653,146 13 83,860,276
13 13 85,182,637 305,122 1,348,024 1,653,146 14 83,555,154
14 14 84,872,703 309,933 1,343,213 1,653,146 15 83,245,220
15 15 84,557,883 314,821 1,338,326 1,653,146 16 82,930,400
16 16 84,238,098 319,785 1,333,361 1,653,146 17 82,610,615
17 17 83,913,270 324,828 1,328,319 1,653,146 18 82,285,787
18 18 83,583,321 329,950 1,323,197 1,653,146 19 81,955,838
19 19 83,248,168 335,152 1,317,994 1,653,146 20 81,620,685
20 20 82,907,731 340,437 1,312,709 1,653,146 21 81,280,248
21 21 82,561,925 345,806 1,307,341 1,653,146 22 80,934,442
22 22 82,210,667 351,258 1,301,888 1,653,146 23 80,583,184
23 23 81,853,870 356,797 1,296,349 1,653,146 24 80,226,387
24 24 81,491,446 362,423 1,290,723 1,653,146 25 79,863,963
25 25 81,123,308 368,138 1,285,008 1,653,146 26 79,495,825
26 26 80,749,364 373,943 1,279,203 1,653,146 27 79,121,881
27 27 80,369,524 379,840 1,273,306 1,653,146 28 78,742,041
28 28 79,983,695 385,830 1,267,317 1,653,146 29 78,356,212
29 29 79,591,781 391,914 1,261,233 1,653,146 30 77,964,298
30 30 79,193,688 398,094 1,255,053 1,653,146 31 77,566,205
31 31 78,789,317 404,371 1,248,775 1,653,146 32 77,161,834
32 32 78,378,569 410,747 1,242,399 1,653,146 33 76,751,086
33 33 77,961,345 417,224 1,235,922 1,653,146 34 76,333,862
34 34 77,537,542 423,803 1,229,343 1,653,146 35 75,910,059
35 35 77,107,056 430,486 1,222,660 1,653,146 36 75,479,573
36 36 76,669,782 437,274 1,215,872 1,653,146 37 75,042,299
37 37 76,225,612 444,169 1,208,977 1,653,146 38 74,598,129
38 38 75,774,439 451,173 1,201,973 1,653,146 39 74,146,956
39 39 75,316,151 458,288 1,194,859 1,653,146 40 73,688,668
40 40 74,850,637 465,514 1,187,632 1,653,146 41 73,223,154
41 41 74,377,782 472,855 1,180,291 1,653,146 42 72,750,299
42 42 73,897,471 480,311 1,172,835 1,653,146 43 72,269,988
43 43 73,409,586 487,885 1,165,261 1,653,146 44 71,782,103
44 44 72,914,008 495,578 1,157,568 1,653,146 45 71,286,525
45 45 72,410,615 503,393 1,149,753 1,653,146 46 70,783,132
46 46 71,899,284 511,331 1,141,816 1,653,146 47 70,271,801
47 47 71,379,891 519,394 1,133,753 1,653,146 48 69,752,408
48 48 70,852,307 527,584 1,125,563 1,653,146 49 69,224,824
49 49 70,316,404 535,903 1,117,243 1,653,146 50 68,688,921
50 50 69,772,051 544,353 1,108,793 1,653,146 51 68,144,568
51 51 69,219,114 552,937 1,100,209 1,653,146 52 67,591,631
52 52 68,657,457 561,656 1,091,490 1,653,146 53 67,029,974
53 53 68,086,945 570,513 1,082,634 1,653,146 54 66,459,462
54 54 67,507,436 579,509 1,073,637 1,653,146 55 65,879,953
55 55 66,918,789 588,647 1,064,499 1,653,146 56 65,291,306
56 56 66,320,860 597,929 1,055,217 1,653,146 57 64,693,377
57 57 65,713,502 607,358 1,045,789 1,653,146 58 64,086,019
58 58 65,096,567 616,935 1,036,211 1,653,146 59 63,469,084
59 59 64,469,904 626,663 1,026,483 1,653,146 60 62,842,421
60 60 63,833,359 636,545 1,016,602 1,653,146 61 62,205,876
61 61 63,186,777 646,582 1,006,564 1,653,146 62 61,559,294
62 62 62,529,999 656,778 996,368 1,653,146 63 60,902,516
63 63 61,862,865 667,134 986,012 1,653,146 64 60,235,382
64 64 61,185,211 677,654 975,492 1,653,146 65 59,557,728
65 65 60,496,871 688,340 964,806 1,653,146 66 58,869,388
66 66 59,797,677 699,194 953,952 1,653,146 67 58,170,194
67 67 59,087,458 710,219 942,927 1,653,146 68 57,459,975
68 68 58,366,040 721,418 931,728 1,653,146 69 56,738,556
69 69 57,633,245 732,794 920,352 1,653,146 70 56,005,762
70 70 56,888,896 744,349 908,797 1,653,146 71 55,261,413
71 71 56,132,809 756,087 897,060 1,653,146 72 54,505,326
72 72 55,364,800 768,009 885,137 1,653,146 73 53,737,317
73 73 54,584,680 780,120 873,027 1,653,146 74 52,957,197
74 74 53,792,259 792,421 860,725 1,653,146 75 52,164,776
75 75 52,987,343 804,916 848,230 1,653,146 76 51,359,860
76 76 52,169,734 817,609 835,537 1,653,146 77 50,542,251
77 77 51,339,233 830,501 822,645 1,653,146 78 49,711,750
78 78 50,495,635 843,597 809,549 1,653,146 79 48,868,152
79 79 49,638,736 856,900 796,247 1,653,146 80 48,011,253
80 80 48,768,324 870,412 782,734 1,653,146 81 47,140,841
81 81 47,884,187 884,137 769,009 1,653,146 82 46,256,704
82 82 46,986,108 898,079 755,068 1,653,146 83 45,358,625
83 83 46,073,868 912,240 740,906 1,653,146 84 44,446,385
84 84 45,147,243 926,625 726,521 1,653,146 85 43,519,760
85 85 44,206,007 941,236 711,910 1,653,146 86 42,578,524
86 86 43,249,929 956,078 697,068 1,653,146 87 41,622,446
87 87 42,278,774 971,154 681,992 1,653,146 88 40,651,291
88 88 41,292,306 986,468 666,678 1,653,146 89 39,664,823
89 89 40,290,282 1,002,023 651,123 1,653,146 90 38,662,799
90 90 39,272,458 1,017,824 635,322 1,653,146 91 37,644,975
91 91 38,238,585 1,033,874 619,273 1,653,146 92 36,611,102
92 92 37,188,408 1,050,176 602,970 1,653,146 93 35,560,925
93 93 36,121,672 1,066,736 586,410 1,653,146 94 34,494,189
94 94 35,038,115 1,083,557 569,589 1,653,146 95 33,410,632
95 95 33,937,471 1,100,643 552,503 1,653,146 96 32,309,988
96 96 32,819,472 1,117,999 535,147 1,653,146 97 31,191,989
97 97 31,683,844 1,135,628 517,518 1,653,146 98 30,056,361
98 98 30,530,308 1,153,536 499,611 1,653,146 99 28,902,825
99 99 29,358,583 1,171,725 481,421 1,653,146 100 27,731,100
100 100 28,168,381 1,190,202 462,944 1,653,146 101 26,540,898
101 101 26,959,411 1,208,970 444,177 1,653,146 102 25,331,928
102 102 25,731,378 1,228,033 425,113 1,653,146 103 24,103,895
103 103 24,483,980 1,247,398 405,748 1,653,146 104 22,856,497
104 104 23,216,912 1,267,068 386,079 1,653,146 105 21,589,429
105 105 21,929,865 1,287,048 366,099 1,653,146 106 20,302,381
106 106 20,622,522 1,307,343 345,804 1,653,146 107 18,995,039
107 107 19,294,565 1,327,957 325,189 1,653,146 108 17,667,081
108 108 17,945,667 1,348,898 304,249 1,653,146 109 16,318,184
109 109 16,575,499 1,370,168 282,978 1,653,146 110 14,948,016
110 110 15,183,726 1,391,773 261,373 1,653,146 111 13,556,243
111 111 13,770,006 1,413,720 239,426 1,653,146 112 12,142,523
112 112 12,333,994 1,436,012 217,134 1,653,146 113 10,706,511
113 113 10,875,337 1,458,656 194,490 1,653,146 114 9,247,854
114 114 9,393,680 1,481,657 171,489 1,653,146 115 7,766,197
115 115 7,888,659 1,505,021 148,125 1,653,146 116 6,261,176
116 116 6,359,906 1,528,753 124,393 1,653,146 117 4,732,423
117 117 4,807,047 1,552,859 100,287 1,653,146 118 3,179,564
118 118 3,229,701 1,577,346 75,801 1,653,146 119 1,602,218
119 119 1,627,483 1,602,218 50,928 1,653,146 120 0
120 120 (0) 1,627,483 25,663 1,653,146
88,800,000 109,577,552 198,377,552
ngsuran dibayar pada saat awal (DP dibayar)

Pinjaman x suku bunga

X (1+suku bunga)
Tenor

rhitungan suku bunga harus dibagi 12 1,168,587

Angsuran/Bln 1,627,483 484,559
Tot P+B 195,297,972
Tot Bunga 106,497,972

pokok x suku bunga

12

AngPokok Bunga Angsuran

1,627,483 - 1,627,483
252,893 1,374,591 1,627,483
256,880 1,370,603 1,627,483
260,931 1,366,552 1,627,483
265,046 1,362,438 1,627,483
269,225 1,358,258 1,627,483
273,470 1,354,013 1,627,483
277,782 1,349,701 1,627,483
282,163 1,345,320 1,627,483
286,612 1,340,871 1,627,483
291,132 1,336,352 1,627,483
295,722 1,331,761 1,627,483
300,385 1,327,098 1,627,483
305,122 1,322,361 1,627,483
309,933 1,317,550 1,627,483
314,821 1,312,662 1,627,483
319,785 1,307,698 1,627,483
324,828 1,302,656 1,627,483
329,950 1,297,534 1,627,483
335,152 1,292,331 1,627,483
340,437 1,287,046 1,627,483
345,806 1,281,678 1,627,483
351,258 1,276,225 1,627,483
356,797 1,270,686 1,627,483
362,423 1,265,060 1,627,483
368,138 1,259,345 1,627,483
373,943 1,253,540 1,627,483
379,840 1,247,643 1,627,483
385,830 1,241,654 1,627,483
391,914 1,235,570 1,627,483
398,094 1,229,390 1,627,483
404,371 1,223,112 1,627,483
410,747 1,216,736 1,627,483
417,224 1,210,259 1,627,483
423,803 1,203,680 1,627,483
430,486 1,196,997 1,627,483
437,274 1,190,209 1,627,483
444,169 1,183,314 1,627,483
451,173 1,176,310 1,627,483
458,288 1,169,195 1,627,483
465,514 1,161,969 1,627,483
472,855 1,154,628 1,627,483
480,311 1,147,172 1,627,483
487,885 1,139,598 1,627,483
495,578 1,131,905 1,627,483
503,393 1,124,090 1,627,483
511,331 1,116,152 1,627,483
519,394 1,108,090 1,627,483
527,584 1,099,899 1,627,483
535,903 1,091,580 1,627,483
544,353 1,083,130 1,627,483
552,937 1,074,546 1,627,483
561,656 1,065,827 1,627,483
570,513 1,056,970 1,627,483
579,509 1,047,974 1,627,483
588,647 1,038,836 1,627,483
597,929 1,029,554 1,627,483
607,358 1,020,125 1,627,483
616,935 1,010,548 1,627,483
626,663 1,000,820 1,627,483 64,469,904
636,545 990,938 1,627,483
646,582 980,901 1,627,483
656,778 970,705 1,627,483
667,134 960,349 1,627,483
677,654 949,829 1,627,483
688,340 939,143 1,627,483
699,194 928,289 1,627,483
710,219 917,264 1,627,483
721,418 906,065 1,627,483
732,794 894,689 1,627,483
744,349 883,134 1,627,483
756,087 871,396 1,627,483
768,009 859,474 1,627,483
780,120 847,363 1,627,483
792,421 835,062 1,627,483
804,916 822,567 1,627,483
817,609 809,874 1,627,483
830,501 796,982 1,627,483
843,597 783,886 1,627,483
856,900 770,583 1,627,483
870,412 757,071 1,627,483
884,137 743,346 1,627,483
 898,079 729,405 1,627,483
912,240 715,243 1,627,483
926,625 700,858 1,627,483
941,236 686,247 1,627,483
956,078 671,405 1,627,483
971,154 656,329 1,627,483
986,468 641,015 1,627,483
1,002,023 625,460 1,627,483
1,017,824 609,659 1,627,483
1,033,874 593,609 1,627,483
1,050,176 577,307 1,627,483
1,066,736 560,747 1,627,483
1,083,557 543,926 1,627,483
1,100,643 526,840 1,627,483
1,117,999 509,484 1,627,483
1,135,628 491,855 1,627,483
1,153,536 473,947 1,627,483
1,171,725 455,758 1,627,483
1,190,202 437,281 1,627,483
1,208,970 418,513 1,627,483
1,228,033 399,450 1,627,483
1,247,398 380,085 1,627,483
1,267,068 360,415 1,627,483
1,287,048 340,436 1,627,483
1,307,343 320,141 1,627,483
1,327,957 299,526 1,627,483
1,348,898 278,586 1,627,483
1,370,168 257,315 1,627,483
1,391,773 235,710 1,627,483
1,413,720 213,763 1,627,483
1,436,012 191,471 1,627,483
1,458,656 168,827 1,627,483
1,481,657 145,826 1,627,483
1,505,021 122,462 1,627,483
1,528,753 98,730 1,627,483
1,552,859 74,624 1,627,483
1,577,346 50,137 1,627,483
1,602,218 25,265 1,627,483
88,800,000 106,497,972 195,297,972
 Contoh perhitungan Angsuran FLAT

Pokok 100,000,000 Bunga 120,000,000

Tenor (Bln) 120 P+B 220,000,000
Int (Flat) 12% Angsuran/bln 1,833,333

Bulan AngKe O/S Pokok AngPokok Angs Bunga Angsuran

0 0 100,000,000
1 1 99,166,667 833,333 1,000,000 1,833,333
2 2 98,333,333 833,333 1,000,000 1,833,333
3 3 97,500,000 833,333 1,000,000 1,833,333
4 4 96,666,667 833,333 1,000,000 1,833,333
5 5 95,833,333 833,333 1,000,000 1,833,333
6 6 95,000,000 833,333 1,000,000 1,833,333
7 7 94,166,667 833,333 1,000,000 1,833,333
8 8 93,333,333 833,333 1,000,000 1,833,333
9 9 92,500,000 833,333 1,000,000 1,833,333
10 10 91,666,667 833,333 1,000,000 1,833,333
11 11 90,833,333 833,333 1,000,000 1,833,333
12 12 90,000,000 833,333 1,000,000 1,833,333
13 13 89,166,667 833,333 1,000,000 1,833,333
14 14 88,333,333 833,333 1,000,000 1,833,333
15 15 87,500,000 833,333 1,000,000 1,833,333
16 16 86,666,667 833,333 1,000,000 1,833,333
17 17 85,833,333 833,333 1,000,000 1,833,333
18 18 85,000,000 833,333 1,000,000 1,833,333
19 19 84,166,667 833,333 1,000,000 1,833,333
20 20 83,333,333 833,333 1,000,000 1,833,333
21 21 82,500,000 833,333 1,000,000 1,833,333
22 22 81,666,667 833,333 1,000,000 1,833,333
23 23 80,833,333 833,333 1,000,000 1,833,333
24 24 80,000,000 833,333 1,000,000 1,833,333
25 25 79,166,667 833,333 1,000,000 1,833,333
26 26 78,333,333 833,333 1,000,000 1,833,333
27 27 77,500,000 833,333 1,000,000 1,833,333
28 28 76,666,667 833,333 1,000,000 1,833,333
29 29 75,833,333 833,333 1,000,000 1,833,333
30 30 75,000,000 833,333 1,000,000 1,833,333
31 31 74,166,667 833,333 1,000,000 1,833,333
32 32 73,333,333 833,333 1,000,000 1,833,333
33 33 72,500,000 833,333 1,000,000 1,833,333
34 34 71,666,667 833,333 1,000,000 1,833,333
35 35 70,833,333 833,333 1,000,000 1,833,333
36 36 70,000,000 833,333 1,000,000 1,833,333
37 37 69,166,667 833,333 1,000,000 1,833,333
38 38 68,333,333 833,333 1,000,000 1,833,333
39 39 67,500,000 833,333 1,000,000 1,833,333
40 40 66,666,667 833,333 1,000,000 1,833,333
41 41 65,833,333 833,333 1,000,000 1,833,333
42 42 65,000,000 833,333 1,000,000 1,833,333
43 43 64,166,667 833,333 1,000,000 1,833,333
44 44 63,333,333 833,333 1,000,000 1,833,333
45 45 62,500,000 833,333 1,000,000 1,833,333
46 46 61,666,667 833,333 1,000,000 1,833,333
47 47 60,833,333 833,333 1,000,000 1,833,333
48 48 60,000,000 833,333 1,000,000 1,833,333
49 49 59,166,667 833,333 1,000,000 1,833,333
50 50 58,333,333 833,333 1,000,000 1,833,333
51 51 57,500,000 833,333 1,000,000 1,833,333
52 52 56,666,667 833,333 1,000,000 1,833,333
53 53 55,833,333 833,333 1,000,000 1,833,333
54 54 55,000,000 833,333 1,000,000 1,833,333
55 55 54,166,667 833,333 1,000,000 1,833,333
56 56 53,333,333 833,333 1,000,000 1,833,333
57 57 52,500,000 833,333 1,000,000 1,833,333
58 58 51,666,667 833,333 1,000,000 1,833,333
59 59 50,833,333 833,333 1,000,000 1,833,333
60 60 50,000,000 833,333 1,000,000 1,833,333
61 61 49,166,667 833,333 1,000,000 1,833,333
62 62 48,333,333 833,333 1,000,000 1,833,333
63 63 47,500,000 833,333 1,000,000 1,833,333
64 64 46,666,667 833,333 1,000,000 1,833,333
65 65 45,833,333 833,333 1,000,000 1,833,333
66 66 45,000,000 833,333 1,000,000 1,833,333
67 67 44,166,667 833,333 1,000,000 1,833,333
68 68 43,333,333 833,333 1,000,000 1,833,333
69 69 42,500,000 833,333 1,000,000 1,833,333
70 70 41,666,667 833,333 1,000,000 1,833,333
71 71 40,833,333 833,333 1,000,000 1,833,333
72 72 40,000,000 833,333 1,000,000 1,833,333
73 73 39,166,667 833,333 1,000,000 1,833,333
74 74 38,333,333 833,333 1,000,000 1,833,333
75 75 37,500,000 833,333 1,000,000 1,833,333
76 76 36,666,667 833,333 1,000,000 1,833,333
77 77 35,833,333 833,333 1,000,000 1,833,333
78 78 35,000,000 833,333 1,000,000 1,833,333
79 79 34,166,667 833,333 1,000,000 1,833,333
80 80 33,333,333 833,333 1,000,000 1,833,333
81 81 32,500,000 833,333 1,000,000 1,833,333
82 82 31,666,667 833,333 1,000,000 1,833,333
83 83 30,833,333 833,333 1,000,000 1,833,333
84 84 30,000,000 833,333 1,000,000 1,833,333
85 85 29,166,667 833,333 1,000,000 1,833,333
86 86 28,333,333 833,333 1,000,000 1,833,333
87 87 27,500,000 833,333 1,000,000 1,833,333
88 88 26,666,667 833,333 1,000,000 1,833,333
89 89 25,833,333 833,333 1,000,000 1,833,333
90 90 25,000,000 833,333 1,000,000 1,833,333
91 91 24,166,667 833,333 1,000,000 1,833,333
92 92 23,333,333 833,333 1,000,000 1,833,333
93 93 22,500,000 833,333 1,000,000 1,833,333
94 94 21,666,667 833,333 1,000,000 1,833,333
95 95 20,833,333 833,333 1,000,000 1,833,333
96 96 20,000,000 833,333 1,000,000 1,833,333
97 97 19,166,667 833,333 1,000,000 1,833,333
98 98 18,333,333 833,333 1,000,000 1,833,333
99 99 17,500,000 833,333 1,000,000 1,833,333
100 100 16,666,667 833,333 1,000,000 1,833,333
101 101 15,833,333 833,333 1,000,000 1,833,333
102 102 15,000,000 833,333 1,000,000 1,833,333
103 103 14,166,667 833,333 1,000,000 1,833,333
104 104 13,333,333 833,333 1,000,000 1,833,333
105 105 12,500,000 833,333 1,000,000 1,833,333
106 106 11,666,667 833,333 1,000,000 1,833,333
107 107 10,833,333 833,333 1,000,000 1,833,333
108 108 10,000,000 833,333 1,000,000 1,833,333
109 109 9,166,667 833,333 1,000,000 1,833,333
110 110 8,333,333 833,333 1,000,000 1,833,333
111 111 7,500,000 833,333 1,000,000 1,833,333
112 112 6,666,667 833,333 1,000,000 1,833,333
113 113 5,833,333 833,333 1,000,000 1,833,333
114 114 5,000,000 833,333 1,000,000 1,833,333
115 115 4,166,667 833,333 1,000,000 1,833,333
116 116 3,333,333 833,333 1,000,000 1,833,333
117 117 2,500,000 833,333 1,000,000 1,833,333
118 118 1,666,667 833,333 1,000,000 1,833,333
119 119 833,333 833,333 1,000,000 1,833,333
120 120 0 833,333 1,000,000 1,833,333
100,000,000 120,000,000 220,000,000