ANALISA KEBUTUHAN NASABAH DENGAN FIXED

INCOME

Jumlah Gaji Pemohon (THP) Rp 7,500,000

Persentase Potongan Gaji 40%
Potongan Gaji Rp 3,000,000
Kewajiban Kepada Pihak Lain Rp 1,000,000
Potensi Besarnya Angsuran Rp 2,000,000
Jangka Waktu 60 Bulan
Persentase Margin/Bulan 1.50% Flat
Maksimum Harga Pokok Rp 63,157,895
Margin Rp 56,842,105
Maksimum Harga Jual Rp 120,000,000
Angsuran/bulan (I) Rp 2,000,000

Plafond Pembiayaan Yang Diajukan Rp 60,000,000

Harga Pokok Rp 60,000,000
Margin Rp 54,000,000
Harga Jual Rp 114,000,000
Angsuran/bulan (II) Rp 1,900,000
Surplus/Minus Rp 100,000

Syarat Pembiayaan Karyawan:

1. Surat Keterangan Kerja: Karyawan Tetap/Kontrak
2. Slip Gaji
3. Rekening Koran
Perhatian: Kotak Kuning Jangan Diisi (Otomatis)
Setara Margin Efektif Bulan: 2.41%
Tahun: 28.88%
 JADWAL ANGSUR (Flat)
1
TANGGAL TOTAL
NO OS. POKOK POKOK MARGIN NO
ANGSURAN ANGSURAN
1 14-May-2023 60,000,000 1,000,000 900,000 1,900,000 1
2 14-Jun-2023 59,000,000 1,000,000 900,000 1,900,000 2
3 14-Jul-2023 58,000,000 1,000,000 900,000 1,900,000 3
4 14-Aug-2023 57,000,000 1,000,000 900,000 1,900,000 4
5 14-Sep-2023 56,000,000 1,000,000 900,000 1,900,000 5
6 14-Oct-2023 55,000,000 1,000,000 900,000 1,900,000 6
7 14-Nov-2023 54,000,000 1,000,000 900,000 1,900,000 7
8 14-Dec-2023 53,000,000 1,000,000 900,000 1,900,000 8
9 14-Jan-2024 52,000,000 1,000,000 900,000 1,900,000 9
10 14-Feb-2024 51,000,000 1,000,000 900,000 1,900,000 10
11 14-Mar-2024 50,000,000 1,000,000 900,000 1,900,000 11
12 14-Apr-2024 49,000,000 1,000,000 900,000 1,900,000 12
13 14-May-2024 48,000,000 1,000,000 900,000 1,900,000 13
14 14-Jun-2024 47,000,000 1,000,000 900,000 1,900,000 14
15 14-Jul-2024 46,000,000 1,000,000 900,000 1,900,000 15
16 14-Aug-2024 45,000,000 1,000,000 900,000 1,900,000 16
17 14-Sep-2024 44,000,000 1,000,000 900,000 1,900,000 17
18 14-Oct-2024 43,000,000 1,000,000 900,000 1,900,000 18
19 14-Nov-2024 42,000,000 1,000,000 900,000 1,900,000 19
20 14-Dec-2024 41,000,000 1,000,000 900,000 1,900,000 20
21 14-Jan-2025 40,000,000 1,000,000 900,000 1,900,000 21
22 14-Feb-2025 39,000,000 1,000,000 900,000 1,900,000 22
23 14-Mar-2025 38,000,000 1,000,000 900,000 1,900,000 23
24 14-Apr-2025 37,000,000 1,000,000 900,000 1,900,000 24
25 14-May-2025 36,000,000 1,000,000 900,000 1,900,000 25
26 14-Jun-2025 35,000,000 1,000,000 900,000 1,900,000 26
27 14-Jul-2025 34,000,000 1,000,000 900,000 1,900,000 27
28 14-Aug-2025 33,000,000 1,000,000 900,000 1,900,000 28
29 14-Sep-2025 32,000,000 1,000,000 900,000 1,900,000 29
30 14-Oct-2025 31,000,000 1,000,000 900,000 1,900,000 30
31 14-Nov-2025 30,000,000 1,000,000 900,000 1,900,000 31
32 14-Dec-2025 29,000,000 1,000,000 900,000 1,900,000 32
33 14-Jan-2026 28,000,000 1,000,000 900,000 1,900,000 33
34 14-Feb-2026 27,000,000 1,000,000 900,000 1,900,000 34
35 14-Mar-2026 26,000,000 1,000,000 900,000 1,900,000 35
36 14-Apr-2026 25,000,000 1,000,000 900,000 1,900,000 36
37 14-May-2026 24,000,000 1,000,000 900,000 1,900,000 37
38 14-Jun-2026 23,000,000 1,000,000 900,000 1,900,000 38
39 14-Jul-2026 22,000,000 1,000,000 900,000 1,900,000 39
40 14-Aug-2026 21,000,000 1,000,000 900,000 1,900,000 40
41 14-Sep-2026 20,000,000 1,000,000 900,000 1,900,000 41
42 14-Oct-2026 19,000,000 1,000,000 900,000 1,900,000 42
43 14-Nov-2026 18,000,000 1,000,000 900,000 1,900,000 43
44 14-Dec-2026 17,000,000 1,000,000 900,000 1,900,000 44
45 14-Jan-2027 16,000,000 1,000,000 900,000 1,900,000 45
46 14-Feb-2027 15,000,000 1,000,000 900,000 1,900,000 46
47 14-Mar-2027 14,000,000 1,000,000 900,000 1,900,000 47
48 14-Apr-2027 13,000,000 1,000,000 900,000 1,900,000 48
49 14-May-2027 12,000,000 1,000,000 900,000 1,900,000 49
50 14-Jun-2027 11,000,000 1,000,000 900,000 1,900,000 50
51 14-Jul-2027 10,000,000 1,000,000 900,000 1,900,000 51
52 14-Aug-2027 9,000,000 1,000,000 900,000 1,900,000 52
53 14-Sep-2027 8,000,000 1,000,000 900,000 1,900,000 53
54 14-Oct-2027 7,000,000 1,000,000 900,000 1,900,000 54
55 14-Nov-2027 6,000,000 1,000,000 900,000 1,900,000 55
56 14-Dec-2027 5,000,000 1,000,000 900,000 1,900,000 56
57 14-Jan-2028 4,000,000 1,000,000 900,000 1,900,000 57
58 14-Feb-2028 3,000,000 1,000,000 900,000 1,900,000 58
59 14-Mar-2028 2,000,000 1,000,000 900,000 1,900,000 59
60 14-Apr-2028 1,000,000 1,000,000 900,000 1,900,000 60
61 14-May-2028 0 0 0 0 61
62 14-Jun-2028 0 0 0 0 62
63 14-Jul-2028 0 0 0 0 63
64 14-Aug-2028 0 0 0 0 64
65 14-Sep-2028 0 0 0 0 65
66 14-Oct-2028 0 0 0 0 66
67 14-Nov-2028 0 0 0 0 67
68 14-Dec-2028 0 0 0 0 68
69 14-Jan-2029 0 0 0 0 69
70 14-Feb-2029 0 0 0 0 70
71 14-Mar-2029 0 0 0 0 71
72 14-Apr-2029 0 0 0 0 72
73 14-May-2029 0 0 0 0 73
74 14-Jun-2029 0 0 0 0 74
75 14-Jul-2029 0 0 0 0 75
76 14-Aug-2029 0 0 0 0 76
77 14-Sep-2029 0 0 0 0 77
78 14-Oct-2029 0 0 0 0 78
79 14-Nov-2029 0 0 0 0 79
80 14-Dec-2029 0 0 0 0 80
81 14-Jan-2030 0 0 0 0 81
82 14-Feb-2030 0 0 0 0 82
83 14-Mar-2030 0 0 0 0 83
84 14-Apr-2030 0 0 0 0 84
85 14-May-2030 0 0 0 0 85
86 14-Jun-2030 0 0 0 0 86
87 14-Jul-2030 0 0 0 0 87
88 14-Aug-2030 0 0 0 0 88
89 14-Sep-2030 0 0 0 0 89
90 14-Oct-2030 0 0 0 0 90
91 14-Nov-2030 0 0 0 0 91
92 14-Dec-2030 0 0 0 0 92
93 14-Jan-2031 0 0 0 0 93
94 14-Feb-2031 0 0 0 0 94
95 14-Mar-2031 0 0 0 0 95
96 14-Apr-2031 0 0 0 0 96
97 14-May-2031 0 0 0 0 97
98 14-Jun-2031 0 0 0 0 98
99 14-Jul-2031 0 0 0 0 99
100 14-Aug-2031 0 0 0 0 100
101 14-Sep-2031 0 0 0 0 101
102 14-Oct-2031 0 0 0 0 102
103 14-Nov-2031 0 0 0 0 103
104 14-Dec-2031 0 0 0 0 104
105 14-Jan-2032 0 0 0 0 105
106 14-Feb-2032 0 0 0 0 106
107 14-Mar-2032 0 0 0 0 107
108 14-Apr-2032 0 0 0 0 108
109 14-May-2032 0 0 0 0 109
110 14-Jun-2032 0 0 0 0 110
111 14-Jul-2032 0 0 0 0 111
112 14-Aug-2032 0 0 0 0 112
113 14-Sep-2032 0 0 0 0 113
114 14-Oct-2032 0 0 0 0 114
115 14-Nov-2032 0 0 0 0 115
116 14-Dec-2032 0 0 0 0 116
117 14-Jan-2033 0 0 0 0 117
118 14-Feb-2033 0 0 0 0 118
119 14-Mar-2033 0 0 0 0 119
120 14-Apr-2033 0 0 0 0 120
121 14-May-2033 0 0 0 0 121
TOTAL 60,000,000 54,000,000 114,000,000 TOTAL
 JADWAL ANGSUR (Efektif)
1
TANGGAL TOTAL
OS. POKOK POKOK MARGIN
ANGSURAN ANGSURAN
14-May-2023 60,000,000 456,180 1,443,820 1,900,000
14-Jun-2023 59,543,820 467,157 1,432,843 1,900,000
14-Jul-2023 59,076,663 478,399 1,421,601 1,900,000
14-Aug-2023 58,598,264 489,911 1,410,089 1,900,000
14-Sep-2023 58,108,354 501,700 1,398,300 1,900,000
14-Oct-2023 57,606,654 513,772 1,386,228 1,900,000
14-Nov-2023 57,092,882 526,136 1,373,864 1,900,000
14-Dec-2023 56,566,746 538,796 1,361,204 1,900,000
14-Jan-2024 56,027,949 551,762 1,348,238 1,900,000
14-Feb-2024 55,476,187 565,039 1,334,961 1,900,000
14-Mar-2024 54,911,148 578,636 1,321,364 1,900,000
14-Apr-2024 54,332,512 592,560 1,307,440 1,900,000
14-May-2024 53,739,952 606,820 1,293,180 1,900,000
14-Jun-2024 53,133,132 621,422 1,278,578 1,900,000
14-Jul-2024 52,511,710 636,376 1,263,624 1,900,000
14-Aug-2024 51,875,335 651,689 1,248,311 1,900,000
14-Sep-2024 51,223,646 667,371 1,232,629 1,900,000
14-Oct-2024 50,556,275 683,430 1,216,570 1,900,000
14-Nov-2024 49,872,844 699,876 1,200,124 1,900,000
14-Dec-2024 49,172,968 716,718 1,183,282 1,900,000
14-Jan-2025 48,456,250 733,965 1,166,035 1,900,000
14-Feb-2025 47,722,285 751,627 1,148,373 1,900,000
14-Mar-2025 46,970,659 769,714 1,130,286 1,900,000
14-Apr-2025 46,200,945 788,236 1,111,764 1,900,000
14-May-2025 45,412,709 807,204 1,092,796 1,900,000
14-Jun-2025 44,605,506 826,628 1,073,372 1,900,000
14-Jul-2025 43,778,878 846,520 1,053,480 1,900,000
14-Aug-2025 42,932,358 866,890 1,033,110 1,900,000
14-Sep-2025 42,065,469 887,750 1,012,250 1,900,000
14-Oct-2025 41,177,718 909,113 990,887 1,900,000
14-Nov-2025 40,268,605 930,990 969,010 1,900,000
14-Dec-2025 39,337,616 953,393 946,607 1,900,000
14-Jan-2026 38,384,223 976,335 923,665 1,900,000
14-Feb-2026 37,407,888 999,829 900,171 1,900,000
14-Mar-2026 36,408,059 1,023,888 876,112 1,900,000
14-Apr-2026 35,384,171 1,048,527 851,473 1,900,000
14-May-2026 34,335,644 1,073,758 826,242 1,900,000
14-Jun-2026 33,261,886 1,099,597 800,403 1,900,000
14-Jul-2026 32,162,289 1,126,057 773,943 1,900,000
14-Aug-2026 31,036,231 1,153,154 746,846 1,900,000
14-Sep-2026 29,883,077 1,180,903 719,097 1,900,000
14-Oct-2026 28,702,174 1,209,320 690,680 1,900,000
14-Nov-2026 27,492,853 1,238,421 661,579 1,900,000
14-Dec-2026 26,254,432 1,268,222 631,778 1,900,000
14-Jan-2027 24,986,210 1,298,740 601,260 1,900,000
14-Feb-2027 23,687,470 1,329,993 570,007 1,900,000
14-Mar-2027 22,357,478 1,361,997 538,003 1,900,000
14-Apr-2027 20,995,481 1,394,772 505,228 1,900,000
14-May-2027 19,600,709 1,428,335 471,665 1,900,000
14-Jun-2027 18,172,374 1,462,706 437,294 1,900,000
14-Jul-2027 16,709,668 1,497,904 402,096 1,900,000
14-Aug-2027 15,211,764 1,533,949 366,051 1,900,000
14-Sep-2027 13,677,815 1,570,862 329,138 1,900,000
14-Oct-2027 12,106,953 1,608,662 291,338 1,900,000
14-Nov-2027 10,498,291 1,647,373 252,627 1,900,000
14-Dec-2027 8,850,919 1,687,014 212,986 1,900,000
14-Jan-2028 7,163,904 1,727,610 172,390 1,900,000
14-Feb-2028 5,436,294 1,769,183 130,817 1,900,000
14-Mar-2028 3,667,111 1,811,756 88,244 1,900,000
14-Apr-2028 1,855,355 1,855,353 44,647 1,900,000
14-May-2028 0 0 0 0
14-Jun-2028 0 0 0 0
14-Jul-2028 0 0 0 0
14-Aug-2028 0 0 0 0
14-Sep-2028 0 0 0 0
14-Oct-2028 0 0 0 0
14-Nov-2028 0 0 0 0
14-Dec-2028 0 0 0 0
14-Jan-2029 0 0 0 0
14-Feb-2029 0 0 0 0
14-Mar-2029 0 0 0 0
14-Apr-2029 0 0 0 0
14-May-2029 0 0 0 0
14-Jun-2029 0 0 0 0
14-Jul-2029 0 0 0 0
14-Aug-2029 0 0 0 0
14-Sep-2029 0 0 0 0
14-Oct-2029 0 0 0 0
14-Nov-2029 0 0 0 0
14-Dec-2029 0 0 0 0
14-Jan-2030 0 0 0 0
14-Feb-2030 0 0 0 0
14-Mar-2030 0 0 0 0
14-Apr-2030 0 0 0 0
14-May-2030 0 0 0 0
14-Jun-2030 0 0 0 0
 14-Jul-2030 0 0 0 0
14-Aug-2030 0 0 0 0
14-Sep-2030 0 0 0 0
14-Oct-2030 0 0 0 0
14-Nov-2030 0 0 0 0
14-Dec-2030 0 0 0 0
14-Jan-2031 0 0 0 0
14-Feb-2031 0 0 0 0
14-Mar-2031 0 0 0 0
14-Apr-2031 0 0 0 0
14-May-2031 0 0 0 0
14-Jun-2031 0 0 0 0
14-Jul-2031 0 0 0 0
14-Aug-2031 0 0 0 0
14-Sep-2031 0 0 0 0
14-Oct-2031 0 0 0 0
14-Nov-2031 0 0 0 0
14-Dec-2031 0 0 0 0
14-Jan-2032 0 0 0 0
14-Feb-2032 0 0 0 0
14-Mar-2032 0 0 0 0
14-Apr-2032 0 0 0 0
14-May-2032 0 0 0 0
14-Jun-2032 0 0 0 0
14-Jul-2032 0 0 0 0
14-Aug-2032 0 0 0 0
14-Sep-2032 0 0 0 0
14-Oct-2032 0 0 0 0
14-Nov-2032 0 0 0 0
14-Dec-2032 0 0 0 0
14-Jan-2033 0 0 0 0
14-Feb-2033 0 0 0 0
14-Mar-2033 0 0 0 0
14-Apr-2033 0 0 0 0
14-May-2033 0 0 0 0
TOTAL 59,999,998 54,000,001 113,999,999