CONTOH Equivalen Rate 10% FLAT

(BUNGA * Jk. Waktu Pinjaman (dlm thn)) * ( 1 * Total Pinjaman)

Jk. Waktu Pinjaman (bulan)

contoh :

Pembiayaan sebesar Rp.100 juta dengan bunga 10 %, jangka waktu

pengembalian angsuran 10 tahun.

Perhitungan :
( 0,1 * 10) * ( 1 * 100,000,000)

120 bulan

= Rp. 833,334.33
 ANGSURAN EFEKTIF IN ARREAR
Pokok 170,000,000.00
Bunga Efekti 16.00% Konversi ke Flat = 9.73454%
Jangka Wakt 96 Bulan
Angsuran 3,149,893.62

Pokok Margin Angsuran Saldo

1 883,226.95 2,266,666.67 3,149,893.62 169,116,773.05

2 895,003.31 2,254,890.31 3,149,893.62 168,221,769.74
3 906,936.69 2,242,956.93 3,149,893.62 167,314,833.05
4 919,029.18 2,230,864.44 3,149,893.62 166,395,803.87
5 931,282.90 2,218,610.72 3,149,893.62 165,464,520.97
6 943,700.01 2,206,193.61 3,149,893.62 164,520,820.96
7 956,282.67 2,193,610.95 3,149,893.62 163,564,538.29
8 969,033.11 2,180,860.51 3,149,893.62 162,595,505.18
9 981,953.55 2,167,940.07 3,149,893.62 161,613,551.63
10 995,046.26 2,154,847.36 3,149,893.62 160,618,505.37
11 1,008,313.55 2,141,580.07 3,149,893.62 159,610,191.82
12 1,021,757.73 2,128,135.89 3,149,893.62 158,588,434.09
13 1,035,381.16 2,114,512.45 3,149,893.62 157,553,052.93
14 1,049,186.25 2,100,707.37 3,149,893.62 156,503,866.68
15 1,063,175.40 2,086,718.22 3,149,893.62 155,440,691.29
16 1,077,351.07 2,072,542.55 3,149,893.62 154,363,340.22
17 1,091,715.75 2,058,177.87 3,149,893.62 153,271,624.47
18 1,106,271.96 2,043,621.66 3,149,893.62 152,165,352.51
19 1,121,022.25 2,028,871.37 3,149,893.62 151,044,330.26
20 1,135,969.22 2,013,924.40 3,149,893.62 149,908,361.04
21 1,151,115.47 1,998,778.15 3,149,893.62 148,757,245.57
22 1,166,463.68 1,983,429.94 3,149,893.62 147,590,781.90
23 1,182,016.53 1,967,877.09 3,149,893.62 146,408,765.37
24 1,197,776.75 1,952,116.87 3,149,893.62 145,210,988.62
25 1,213,747.10 1,936,146.51 3,149,893.62 143,997,241.52
26 1,229,930.40 1,919,963.22 3,149,893.62 142,767,311.12
27 1,246,329.47 1,903,564.15 3,149,893.62 141,520,981.65
28 1,262,947.20 1,886,946.42 3,149,893.62 140,258,034.45
29 1,279,786.49 1,870,107.13 3,149,893.62 138,978,247.96
30 1,296,850.31 1,853,043.31 3,149,893.62 137,681,397.65
31 1,314,141.65 1,835,751.97 3,149,893.62 136,367,256.00
32 1,331,663.54 1,818,230.08 3,149,893.62 135,035,592.46
33 1,349,419.05 1,800,474.57 3,149,893.62 133,686,173.41
34 1,367,411.31 1,782,482.31 3,149,893.62 132,318,762.10
35 1,385,643.46 1,764,250.16 3,149,893.62 130,933,118.64
36 1,404,118.70 1,745,774.92 3,149,893.62 129,528,999.94
37 1,422,840.29 1,727,053.33 3,149,893.62 128,106,159.65
38 1,441,811.49 1,708,082.13 3,149,893.62 126,664,348.16
39 1,461,035.64 1,688,857.98 3,149,893.62 125,203,312.52
40 1,480,516.12 1,669,377.50 3,149,893.62 123,722,796.40
41 1,500,256.33 1,649,637.29 3,149,893.62 122,222,540.07
42 1,520,259.75 1,629,633.87 3,149,893.62 120,702,280.32
43 1,540,529.88 1,609,363.74 3,149,893.62 119,161,750.43
44 1,561,070.28 1,588,823.34 3,149,893.62 117,600,680.15
45 1,581,884.55 1,568,009.07 3,149,893.62 116,018,795.60
46 1,602,976.34 1,546,917.27 3,149,893.62 114,415,819.26
47 1,624,349.36 1,525,544.26 3,149,893.62 112,791,469.90
48 1,646,007.35 1,503,886.27 3,149,893.62 111,145,462.55