Tabel I Tabel 2

No Golongan Pengeluaran Nilai Tengah Provinsi Golongan Pengeluaran Cara Pengisian

1) Up date Tabel 2 dengan data BPS
A < 100.000 50,000 A B C D E F G H terbaru
B 100.000 - 149.000 125,000 Nanggroe Aceh Darussalam 1.14% 4.72% 18.26% 38.51% 20.65% 9.90% 6.83%
C 150.000 - 199.999 175,000 Sumatera Utara 0.11% 1.40% 7.69% 24.44% 36.17% 17.61% 5.50% 7.08%
2) Update jumlah tanggungan pada
D 200.000 - 299.999 250,000 Sumatera Barat 0.25% 6.09% 19.52% 33.35% 25.05% 9.26% 6.49% tabel 3 sesuai kondisi riil
E 300.000 - 499.999 400,000 Riau 0.49% 2.61% 14.73% 31.67% 27.04% 11.86% 11.59%
F 500.000 - 749.999 625,000 Jambi 0.50% 2.16% 6.06% 22.41% 38.42% 21.25% 5.23% 3.98%
G 750.000 - 999.999 875,000 Sumatera Selatan 0.38% 3.05% 7.91% 26.35% 36.08% 15.36% 5.63% 5.25%
H > 1.000.000 1,000,000 Bengkulu 0.42% 4.49% 8.48% 28.68% 31.59% 16.29% 4.74% 5.32%
Lampung 0.71% 6.21% 10.16% 22.62% 30.42% 13.67% 7.19% 9.01%
Bangka Belitung 0.07% 1.95% 14.16% 38.35% 29.66% 8.24% 7.57%
Kepulauan Riau 0.56% 1.89% 7.32% 26.60% 34.69% 15.94% 13.00%
DKI Jakarta 0.04% 0.55% 4.33% 24.38% 31.73% 15.77% 23.21%
Jawa Barat 0.21% 2.98% 10.01% 21.27% 34.38% 17.95% 7.26% 5.95%
Jawa Tengah 0.47% 6.49% 15.72% 28.58% 30.95% 10.19% 4.16% 3.45%
DI Yogyakarta 2.99% 10.29% 23.21% 31.01% 16.07% 8.31% 8.12%
Jawa Timur 0.33% 5.64% 11.30% 26.31% 32.78% 14.25% 5.33% 4.06%
Banten 0.14% 1.64% 5.00% 15.63% 37.82% 21.20% 9.50% 9.08%
Bali 1.12% 5.88% 19.94% 37.22% 21.00% 7.55% 7.29%
Nusa Tenggara Barat 1.00% 11.33% 19.04% 25.10% 24.74% 11.19% 4.45% 3.16%
Nusa Tenggara Timur 6.60% 9.46% 24.17% 31.16% 17.49% 6.52% 4.61%
Kalimantan Barat 0.70% 4.10% 10.12% 24.77% 31.06% 15.72% 7.70% 5.83%
Kalimantan Tengah 2.17% 5.72% 17.68% 32.84% 23.22% 9.10% 9.27%
Kalimantan Selatan 1.00% 4.79% 17.99% 33.76% 21.73% 12.36% 8.37%
Kalimantan Timur 1.61% 9.86% 33.31% 28.95% 11.59% 14.69%
Sulawesi Utara 0.73% 1.79% 12.21% 31.98% 35.17% 10.29% 3.85% 3.98%
Sulawesi Tengah 3.90% 8.87% 21.97% 31.28% 21.65% 8.01% 4.33%
Sulawesi Selatan 0.26% 4.54% 8.70% 21.34% 31.74% 17.52% 7.26% 8.63%
Sulawesi Tenggara 4.90% 9.13% 23.85% 30.87% 18.37% 7.89% 5.00%
Gorontalo 0.92% 6.31% 11.02% 32.26% 28.70% 11.71% 3.90% 5.17%
Sulawesi Barat 9.93% 18.36% 33.50% 25.56% 7.94% 2.48% 2.23%
Maluku 1.18% 5.70% 23.77% 35.07% 23.58% 5.89% 4.81%
Maluku Utara 2.36% 13.79% 35.93% 28.13% 8.89% 10.89%
Papua Barat 1.01% 1.01% 16.47% 41.62% 24.13% 7.66% 8.09%
Papua 3.80% 6.79% 28.31% 23.13% 20.60% 17.38%

Tabel 3
Provinsi Weight Average
C D E F G H
Nanggroe Aceh Darussalam 20.54% 79.46% 100.00% 100.00% 59.18% 40.82%
Sumatera Utara 23.93% 76.07% 100.00% 100.00% 43.72% 56.28%
Sumatera Barat 23.78% 76.22% 100.00% 100.00% 58.79% 41.21%
Riau 15.05% 84.95% 100.00% 100.00% 50.58% 49.42%
Jambi 21.29% 78.71% 100.00% 100.00% 56.79% 43.21%
Sumatera Selatan 23.09% 76.91% 100.00% 100.00% 51.75% 48.25%
Bengkulu 22.82% 77.18% 100.00% 100.00% 47.12% 52.88%
Lampung 30.99% 69.01% 100.00% 100.00% 44.38% 55.62%
Bangka Belitung 12.10% 87.90% 100.00% 100.00% 52.12% 47.88%
Kepulauan Riau 20.52% 79.48% 100.00% 100.00% 55.08% 44.92%
DKI Jakarta 11.27% 88.73% 100.00% 100.00% 40.46% 59.54%
Jawa Barat 32.00% 68.00% 100.00% 100.00% 54.96% 45.04%
Jawa Tengah 35.49% 64.51% 100.00% 100.00% 54.66% 45.34%
DI Yogyakarta 30.72% 69.28% 100.00% 100.00% 50.58% 49.42%
Jawa Timur 30.05% 69.95% 100.00% 100.00% 56.76% 43.24%
Banten 24.24% 75.76% 100.00% 100.00% 51.13% 48.87%
Bali 22.77% 77.23% 100.00% 100.00% 50.88% 49.12%
Nusa Tenggara Barat 43.14% 56.86% 100.00% 100.00% 58.48% 41.52%
Nusa Tenggara Timur 28.13% 71.87% 100.00% 100.00% 58.58% 41.42%
Kalimantan Barat 29.01% 70.99% 100.00% 100.00% 56.91% 43.09%
Kalimantan Tengah 24.44% 75.56% 100.00% 100.00% 49.54% 50.46%
Kalimantan Selatan 21.03% 78.97% 100.00% 100.00% 59.62% 40.38%
Kalimantan Timur 14.04% 85.96% 100.00% 100.00% 44.10% 55.90%
Sulawesi Utara 27.63% 72.37% 100.00% 100.00% 49.17% 50.83%
Sulawesi Tengah 28.76% 71.24% 100.00% 100.00% 64.91% 35.09%
Sulawesi Selatan 28.96% 71.04% 100.00% 100.00% 45.69% 54.31%
Sulawesi Tenggara 27.68% 72.32% 100.00% 100.00% 61.21% 38.79%
Gorontalo 25.46% 74.54% 100.00% 100.00% 43.00% 57.00%
Sulawesi Barat 35.40% 64.60% 100.00% 100.00% 52.65% 47.35%
Maluku 19.34% 80.66% 100.00% 100.00% 55.05% 44.95%
Maluku Utara 14.61% 85.39% 100.00% 100.00% 44.94% 55.06%
Papua Barat 5.78% 94.22% 100.00% 100.00% 48.63% 51.37%
Papua 35.88% 64.12% 100.00% 100.00% 54.24% 45.76%

Tabel 4 Tabel 5 Jlh Tanggungan* 22

KELOMPOK DEBITUR Provinsi Kelompok Debitur
No Penghasilan I II III IV
I 1.000.000 ≤ penghasilan< 1.700.000 Nanggroe Aceh Darussalam 5,161,097 8,800,000 13,750,000 20,372,684
II 1.700.000 ≤ penghasilan ≤ 2.500.000 Sumatera Utara 5,105,089 8,800,000 13,750,000 20,797,695
III 2.500.000 < penghasilan < 5.000.000 Sumatera Barat 5,107,634 8,800,000 13,750,000 20,383,175
IV ≥5.000.000 Riau 5,251,644 8,800,000 13,750,000 20,609,168
Jambi 5,148,788 8,800,000 13,750,000 20,438,382
Sumatera Selatan 5,119,046 8,800,000 13,750,000 20,576,976
Bengkulu 5,123,466 8,800,000 13,750,000 20,704,274
Lampung 4,988,591 8,800,000 13,750,000 20,779,475
Bangka Belitung 5,300,279 8,800,000 13,750,000 20,566,730
Kepulauan Riau 5,161,401 8,800,000 13,750,000 20,485,314
DKI Jakarta 5,314,037 8,800,000 13,750,000 20,887,442
Jawa Barat 4,971,979 8,800,000 13,750,000 20,488,645
Jawa Tengah 4,914,492 8,800,000 13,750,000 20,496,715
DI Yogyakarta 4,993,179 8,800,000 13,750,000 20,609,099
Jawa Timur 5,004,254 8,800,000 13,750,000 20,439,031
Banten 5,100,097 8,800,000 13,750,000 20,593,918
Bali 5,124,245 8,800,000 13,750,000 20,600,910
Nusa Tenggara Barat 4,788,265 8,800,000 13,750,000 20,391,919
Nusa Tenggara Timur 5,035,861 8,800,000 13,750,000 20,389,039
Kalimantan Barat 5,021,410 8,800,000 13,750,000 20,434,959
Kalimantan Tengah 5,096,667 8,800,000 13,750,000 20,637,725
Kalimantan Selatan 5,153,051 8,800,000 13,750,000 20,360,347
Kalimantan Timur 5,268,396 8,800,000 13,750,000 20,787,196
Sulawesi Utara 5,044,094 8,800,000 13,750,000 20,647,829
Sulawesi Tengah 5,025,438 8,800,000 13,750,000 20,214,951
Sulawesi Selatan 5,022,137 8,800,000 13,750,000 20,743,549
Sulawesi Tenggara 5,043,223 8,800,000 13,750,000 20,316,718
Gorontalo 5,079,875 8,800,000 13,750,000 20,817,530
Sulawesi Barat 4,915,850 8,800,000 13,750,000 20,552,017
Maluku 5,180,862 8,800,000 13,750,000 20,486,215
Maluku Utara 5,258,885 8,800,000 13,750,000 20,764,029
Papua Barat 5,404,662 8,800,000 13,750,000 20,662,540
Papua 4,907,932 8,800,000 13,750,000 20,508,425
AMBON
HASIL WAWANCARA KREDIT

A Kredit yang Dimohon

Jenis Kredit : KPR/KLK Harga Jual Rumah
Suku Bunga : 9.50% Harga Bangunan saja
Maksimum Kredit : 150,000,000 Maks. Kredit yg dapat diberikan
Jangka Waktu : 10 S/Tanggungan
Tanggal Lahir : 22 Penghasilan Pemohon
Penghasilan istri
622,000 Total Penghasilan Bruto
Angsuran : 1,990,900
(1,368,900) Total Penghasilan Bersih

B Perkiraan Biaya Proses E

Provisi 0.75% dari maks kred: 1,125,000 Rencana tanggal akad kredit
Biaya Administrasi : 350,000 Tanggal Jatuh Tempo
Biaya Proses : 375,000
Biaya Pembebanan HT : - Keterangan
Angsuran Pertama : 1,990,900 Pencairan
Asuransi Jiwa : 5,250,000 Bg Pendahuluan
Pelunasan Kredit : 209,000,000 Akhir thn 1
Saldo Tabungan Minimum : - ( diblokir di Tabungan ) Akhir thn 2
Jumlah Pengurang : 218,090,900 Akhir thn 3
Total Diterima bersih (68,090,900) Akhir thn 4
AMORTISASI KREDIT SECARA TEORITIS
Tanggal Realisasi 30 Dec 99 Tanggal Berakhir 1 Jan 10
31
Tanggal Bunga Angsuran Saldo Tanggal Bunga Angsuran Saldo
30 Dec 99 Pencairan 150,000,000 1 Feb 04 835,883 1,990,900 104,430,229
1 Jan 00 76,613 1,990,900 150,000,000 1 Mar 04 835,883 1,990,900 103,275,212
1 Feb 00 1,187,500 76,613 149,196,600 1 Apr 04 835,883 1,990,900 102,120,195
1 Mar 00 1,187,500 1,990,900 148,393,200 1 May 04 835,883 1,990,900 100,965,178
1 Apr 00 1,187,500 1,990,900 147,589,800 1 Jun 04 835,883 1,990,900 99,810,161
1 May 00 1,187,500 1,990,900 146,786,400 1 Jul 04 835,883 1,990,900 98,655,144
1 Jun 00 1,187,500 1,990,900 145,983,000 1 Aug 04 835,883 1,990,900 97,500,128
1 Jul 00 1,187,500 1,990,900 145,179,600 1 Sep 04 835,883 1,990,900 96,345,111
1 Aug 00 1,187,500 1,990,900 144,376,200 1 Oct 04 835,883 1,990,900 95,190,094
1 Sep 00 1,187,500 1,990,900 143,572,800 1 Nov 04 835,883 1,990,900 94,035,077
1 Oct 00 1,187,500 1,990,900 142,769,400 1 Dec 04 835,883 1,990,900 92,880,060
1 Nov 00 1,187,500 1,990,900 141,966,000 1 Jan 05 835,883 1,990,900 91,725,044
1 Dec 00 1,187,500 1,990,900 141,162,600 1 Feb 05 726,157 1,990,900 90,460,300
1 Jan 01 1,187,500 1,990,900 140,359,200 1 Mar 05 726,157 1,990,900 89,195,557
1 Feb 01 1,111,177 1,990,900 139,479,477 1 Apr 05 726,157 1,990,900 87,930,813
1 Mar 01 1,111,177 1,990,900 138,599,754 1 May 05 726,157 1,990,900 86,666,070
1 Apr 01 1,111,177 1,990,900 137,720,031 1 Jun 05 726,157 1,990,900 85,401,327
1 May 01 1,111,177 1,990,900 136,840,308 1 Jul 05 726,157 1,990,900 84,136,583
1 Jun 01 1,111,177 1,990,900 135,960,585 1 Aug 05 726,157 1,990,900 82,871,840
1 Jul 01 1,111,177 1,990,900 135,080,862 1 Sep 05 726,157 1,990,900 81,607,096
1 Aug 01 1,111,177 1,990,900 134,201,139 1 Oct 05 726,157 1,990,900 80,342,353
1 Sep 01 1,111,177 1,990,900 133,321,416 1 Nov 05 726,157 1,990,900 79,077,610
1 Oct 01 1,111,177 1,990,900 132,441,693 1 Dec 05 726,157 1,990,900 77,812,866
1 Nov 01 1,111,177 1,990,900 131,561,970 1 Jan 06 726,157 1,990,900 76,548,123
1 Dec 01 1,111,177 1,990,900 130,682,247 1 Feb 06 606,006 1,990,900 75,163,229
1 Jan 02 1,111,177 1,990,900 129,802,524 1 Mar 06 606,006 1,990,900 73,778,335
1 Feb 02 1,027,603 1,990,900 128,839,227 1 Apr 06 606,006 1,990,900 72,393,441
1 Mar 02 1,027,603 1,990,900 127,875,931 1 May 06 606,006 1,990,900 71,008,547
1 Apr 02 1,027,603 1,990,900 126,912,634 1 Jun 06 606,006 1,990,900 69,623,653
1 May 02 1,027,603 1,990,900 125,949,337 1 Jul 06 606,006 1,990,900 68,238,759
1 Jun 02 1,027,603 1,990,900 124,986,041 1 Aug 06 606,006 1,990,900 66,853,865
1 Jul 02 1,027,603 1,990,900 124,022,744 1 Sep 06 606,006 1,990,900 65,468,971
1 Aug 02 1,027,603 1,990,900 123,059,447 1 Oct 06 606,006 1,990,900 64,084,077
1 Sep 02 1,027,603 1,990,900 122,096,151 1 Nov 06 606,006 1,990,900 62,699,183
1 Oct 02 1,027,603 1,990,900 121,132,854 1 Dec 06 606,006 1,990,900 61,314,288
1 Nov 02 1,027,603 1,990,900 120,169,557 1 Jan 07 606,006 1,990,900 59,929,394
1 Dec 02 1,027,603 1,990,900 119,206,260 1 Feb 07 474,441 1,990,900 58,412,935
1 Jan 03 1,027,603 1,990,900 118,242,964 1 Mar 07 474,441 1,990,900 56,896,477
1 Feb 03 936,090 1,990,900 117,188,154 1 Apr 07 474,441 1,990,900 55,380,018
1 Mar 03 936,090 1,990,900 116,133,344 1 May 07 474,441 1,990,900 53,863,559
1 Apr 03 936,090 1,990,900 115,078,534 1 Jun 07 474,441 1,990,900 52,347,100
1 May 03 936,090 1,990,900 114,023,724 1 Jul 07 474,441 1,990,900 50,830,641
1 Jun 03 936,090 1,990,900 112,968,914 1 Aug 07 474,441 1,990,900 49,314,182
1 Jul 03 936,090 1,990,900 111,914,105 1 Sep 07 474,441 1,990,900 47,797,723
1 Aug 03 936,090 1,990,900 110,859,295 1 Oct 07 474,441 1,990,900 46,281,264
1 Sep 03 936,090 1,990,900 109,804,485 1 Nov 07 474,441 1,990,900 44,764,805
1 Oct 03 936,090 1,990,900 108,749,675 1 Dec 07 474,441 1,990,900 43,248,346
1 Nov 03 936,090 1,990,900 107,694,865 1 Jan 08 474,441 1,990,900 41,731,887
1 Dec 03 936,090 1,990,900 106,640,055
1 Jan 04 936,090 1,990,900 105,585,245
 1 Jan 10

Tanggal Bunga Angsuran Saldo Tanggal Bunga Angsuran Saldo

1 Feb 08 330,377 1,990,900 40,071,364 1 Feb 12 - - -
1 Mar 08 330,377 1,990,900 38,410,842 1 Mar 12 - - -
1 Apr 08 330,377 1,990,900 36,750,319 1 Apr 12 - - -
1 May 08 330,377 1,990,900 35,089,797 1 May 12 - - -
1 Jun 08 330,377 1,990,900 33,429,274 1 Jun 12 - - -
1 Jul 08 330,377 1,990,900 31,768,752 1 Jul 12 - - -
1 Aug 08 330,377 1,990,900 30,108,229 1 Aug 12 - - -
1 Sep 08 330,377 1,990,900 28,447,706 1 Sep 12 - - -
1 Oct 08 330,377 1,990,900 26,787,184 1 Oct 12 - - -
1 Nov 08 330,377 1,990,900 25,126,661 1 Nov 12 - - -
1 Dec 08 330,377 1,990,900 23,466,139 1 Dec 12 - - -
1 Jan 09 330,377 1,990,900 21,805,616 1 Jan 13 - - -
1 Feb 09 172,628 1,990,900 19,987,344 1 Feb 13 - - -
1 Mar 09 172,628 1,990,900 18,169,072 1 Mar 13 - - -
1 Apr 09 172,628 1,990,900 16,350,800 1 Apr 13 - - -
1 May 09 172,628 1,990,900 14,532,527 1 May 13 - - -
1 Jun 09 172,628 1,990,900 12,714,255 1 Jun 13 - - -
1 Jul 09 172,628 1,990,900 10,895,983 1 Jul 13 - - -
1 Aug 09 172,628 1,990,900 9,077,711 1 Aug 13 - - -
1 Sep 09 172,628 1,990,900 7,259,439 1 Sep 13 - - -
1 Oct 09 172,628 1,990,900 5,441,166 1 Oct 13 - - -
1 Nov 09 172,628 1,990,900 3,622,894 1 Nov 13 - - -
1 Dec 09 172,628 1,990,900 1,804,622 1 Dec 13 - - -
1 Jan 10 172,628 1,990,900 (13,650) 1 Jan 14 - - -
1 Feb 10 - - - 1 Feb 14 - - -
1 Mar 10 - - - 1 Mar 14 - - -
1 Apr 10 - - - 1 Apr 14 - - -
1 May 10 - - - 1 May 14 - - -
1 Jun 10 - - - 1 Jun 14 - - -
1 Jul 10 - - - 1 Jul 14 - - -
1 Aug 10 - - - 1 Aug 14 - - -
1 Sep 10 - - - 1 Sep 14 - - -
1 Oct 10 - - - 1 Oct 14 - - -
1 Nov 10 - - - 1 Nov 14 - - -
1 Dec 10 - - - 1 Dec 14 - - -
1 Jan 11 - - - 1 Jan 15 - - -
1 Feb 11 - - -
1 Mar 11 - - -
1 Apr 11 - - -
1 May 11 - - -
1 Jun 11 - - -
1 Jul 11 - - -
1 Aug 11 - - -
1 Sep 11 - - -
1 Oct 11 - - -
1 Nov 11 - - -
1 Dec 11 - - -
1 Jan 12 - - -
PERMOHONAN KREDIT BANK BTN
A Kredit yang Dimohon
1 Jenis Kredit
2 Suku Bunga
3 Maksimum Kredit
4 Jangka Waktu
5 Tanggal Lahir
6 Nilai Bangunan
Angsuran yg dikehendaki
B Perkiraan Biaya Proses
1 Provisi 1% dari maks kredit
2 Biaya Administrasi
3 Biaya Notaris
4 Biaya APHT
5 Angsuran Pertama
6 Asuransi Jiwa
7 Asuransi Kebakaran
8 Saldo Tabungan Minimum
Jumlah
C Biaya Lain yg Terikat dgn Kredit
1 Appraiser
2 Clearence Sertifikat
Jumlah
Total Biaya
Warna ini jangan dirubah
: KPR (KGM atau KPR) Jenis Kredit : KGM
: 15.00% Suku Bunga : 20.00%
: 105,393,000 Maksimum Kredit :
: 15 tahun Jangka Waktu :
: 6 Jun 52 Umur 72 tahun Tanggal Lahir : 6 Jun 52
: 15,000,000 Nilai Bangunan : 15,000,000
1,502,000 Angsuran yg dikehendaki 757,398
D Biaya-Biaya Administrasi Jual Beli dari Developer
: 1,053,930 1 Biaya administrasi pemesanan
: 100,000 2 Biaya akta jual beli dan jasa notaris utk balik nama
: 100,000 3 BPHTB 5% dari harga jual dikurangi harga tidak
: 900,000 kena pajak
: 1,502,000 4 PPH 5% dari harga jual untuk Rp. 60 juta ke atas
: Tidak Bisa 5 Biaya pemecahan PBB ke konsumen
: Tidak Bisa 6 Biaya pemecahan IMB ke konsumen
: 500,000 7
: 4,155,930 8 Biaya kelebihan tanah dan atau penambahan
bangunan seperti pagar, peningkatan mutu dsb
300,000
150,000
450,000
4,605,930
 SUKU BUNGA SAAT INI ( BERLAKU MARET 2010)

KGU lama baru loan type

KGU HARGA RSH (RSH Non Subsisdi) 13.50 12.50 69
<= 75 juta 13.25 12.50 63
> 75 jt s/d <=150 jt 11.75 12.00 96
>150 jt s/d <= 350 jt 11.75 11.25 97
> 350 jt 10.75 10.75 86 Ready
87 Indent 88=Take over
KP RUKO lama baru loan type
<= 100 jt 13.25 13.50 65
>100 jt s/d <= 300 jt 11.75 13.25 67
> 300 jt 10.75 13.25 68

KREDIT GRIYA MULTI lama baru loan type

<= 100 jt 13.75 13.50 92
>100 jt s/d <= 300 jt 12.50 13.50 93
> 300 jt 11.75 13.50 94
Kredit swagriya 14.00 13.75 16
 HITUNG PREMI ASURANSI 27
SINGLE PREMIUM 5
22
Keterangan Nilai Satuan 25.5
Harga Jual 20,000,000 Rupiah 22.5
Jangka Waktu 15 Tahun maks. 20 tahun

Premi Asuransi 231,750 Rupiah

Keterangan Nilai umur 8.62

Tgl Lahir 8 May 71 53 #N/A
Maks KPR 55,200,000 Rupiah
Jangka Waktu 10 Tahun

Premi Asuransi 475,820 Rupiah

<=55 10 8.62
56 Err:502
57 Err:502
58 Err:502
59 Err:502
60 Err:502
61 Err:502
62 Err:502
63 Err:502
64 Err:502