Simulasi Kredit

CONTOH PERHITUNGAN ANGSURAN (ANUITAS) CONTOH PERHITUNGAN A
In Arrear = Angsuran mulai dibayar bulan berikutnya

Angsuran / bln
Pinjaman x suku bunga VARIABEL YANG

1 DAPAT DIUBAH
1- Tenor BERTANDA BIRU
(1 + suku bunga)
Ingat! Dalam perhitungan suku bunga harus dibagi 12
Pokok 613,335,350 Angsuran/Bln 5,318,785.41

Tenor (Bln) 240 Tot P+B 1,276,508,499 319,127,125
Int (eff) 8.49% Tot Bunga 663,173,149 246,234,455 FLAT
72,892,669
SISA 5 TAHUN Pokok 540,442,681 Angsuran/Bln 6,486,220.45 SISA 3 TAHUN

Tenor (Bln) 180 Tot P+B 1,167,519,680 1,167,519,680
FLOATING Int (eff) 12.00% Tot Bunga 627,077,000 627,077,000 FLOATING
540,442,681
pokok x suku bunga

12
Bulan AngKe O/S Pokok AngPokok Angs Bunga Angsuran Bulan
0 0 613,335,350 - - 0
1 1 612,355,912 979,438 4,339,348 5,318,785 1
2 2 611,369,545 986,367 4,332,418 5,318,785 2
3 3 610,376,199 993,346 4,325,440 5,318,785 3
4 4 609,375,825 1,000,374 4,318,412 5,318,785 4
5 5 608,368,374 1,007,451 4,311,334 5,318,785 5
6 6 607,353,795 1,014,579 4,304,206 5,318,785 6
7 7 606,332,037 1,021,757 4,297,028 5,318,785 7
8 8 605,303,051 1,028,986 4,289,799 5,318,785 8
9 9 604,266,785 1,036,266 4,282,519 5,318,785 9
10 10 603,223,187 1,043,598 4,275,188 5,318,785 10
11 11 602,172,205 1,050,981 4,267,804 5,318,785 11
12 12 601,113,788 1,058,417 4,260,368 5,318,785 12
13 13 600,047,883 1,065,905 4,252,880 5,318,785 13
14 14 598,974,436 1,073,447 4,245,339 5,318,785 14
15 15 597,893,395 1,081,041 4,237,744 5,318,785 15
16 16 596,804,705 1,088,690 4,230,096 5,318,785 16
17 17 595,708,313 1,096,392 4,222,393 5,318,785 17
18 18 594,604,164 1,104,149 4,214,636 5,318,785 18
19 19 593,492,203 1,111,961 4,206,824 5,318,785 19
20 20 592,372,375 1,119,828 4,198,957 5,318,785 20
21 21 591,244,624 1,127,751 4,191,035 5,318,785 21
22 22 590,108,895 1,135,730 4,183,056 5,318,785 22
23 23 588,965,130 1,143,765 4,175,020 5,318,785 23
24 24 587,813,273 1,151,857 4,166,928 5,318,785 24
25 25 586,653,266 1,160,007 4,158,779 5,318,785 25
26 26 585,485,052 1,168,214 4,150,572 5,318,785 26
27 27 584,308,574 1,176,479 4,142,307 5,318,785 27
28 28 583,123,772 1,184,802 4,133,983 5,318,785 28
29 29 581,930,587 1,193,185 4,125,601 5,318,785 29
30 30 580,728,960 1,201,627 4,117,159 5,318,785 30
31 31 579,518,832 1,210,128 4,108,657 5,318,785 31
32 32 578,300,143 1,218,690 4,100,096 5,318,785 32
33 33 577,072,831 1,227,312 4,091,474 5,318,785 33
34 34 575,836,836 1,235,995 4,082,790 5,318,785 34
35 35 574,592,096 1,244,740 4,074,046 5,318,785 35
36 36 573,338,549 1,253,546 4,065,239 5,318,785 36
37 37 572,076,134 1,262,415 4,056,370 5,318,785 37
38 38 570,804,788 1,271,347 4,047,439 5,318,785 38
39 39 569,524,446 1,280,342 4,038,444 5,318,785 39
40 40 568,235,046 1,289,400 4,029,385 5,318,785 40
41 41 566,936,524 1,298,522 4,020,263 5,318,785 41
42 42 565,628,814 1,307,710 4,011,076 5,318,785 42
43 43 564,311,853 1,316,962 4,001,824 5,318,785 43
44 44 562,985,573 1,326,279 3,992,506 5,318,785 44
45 45 561,649,911 1,335,662 3,983,123 5,318,785 45
46 46 560,304,799 1,345,112 3,973,673 5,318,785 46
47 47 558,950,170 1,354,629 3,964,156 5,318,785 47
48 48 557,585,957 1,364,213 3,954,572 5,318,785 48
49 49 556,212,092 1,373,865 3,944,921 5,318,785 49
50 50 554,828,507 1,383,585 3,935,201 5,318,785 50
51 51 553,435,133 1,393,374 3,925,412 5,318,785 51
52 52 552,031,902 1,403,232 3,915,554 5,318,785 52
53 53 550,618,742 1,413,160 3,905,626 5,318,785 53
54 54 549,195,584 1,423,158 3,895,628 5,318,785 54
55 55 547,762,357 1,433,227 3,885,559 5,318,785 55
56 56 546,318,991 1,443,367 3,875,419 5,318,785 56
57 57 544,865,412 1,453,579 3,865,207 5,318,785 57
58 58 543,401,550 1,463,863 3,854,923 5,318,785 58
59 59 541,927,330 1,474,219 3,844,566 5,318,785 59
60 60 540,442,681 1,484,650 3,834,136 5,318,785 60
61 61 539,360,887 1,081,794 5,404,427 6,486,220 61
62 62 538,268,275 1,092,612 5,393,609 6,486,220 62
63 63 537,164,738 1,103,538 5,382,683 6,486,220 63
64 64 536,050,165 1,114,573 5,371,647 6,486,220 64
65 65 534,924,446 1,125,719 5,360,502 6,486,220 65
66 66 533,787,470 1,136,976 5,349,244 6,486,220 66
67 67 532,639,124 1,148,346 5,337,875 6,486,220 67
68 68 531,479,295 1,159,829 5,326,391 6,486,220 68
69 69 530,307,867 1,171,427 5,314,793 6,486,220 69
70 70 529,124,726 1,183,142 5,303,079 6,486,220 70
71 71 527,929,752 1,194,973 5,291,247 6,486,220 71
72 72 526,722,829 1,206,923 5,279,298 6,486,220 72
73 73 525,503,837 1,218,992 5,267,228 6,486,220 73
74 74 524,272,655 1,231,182 5,255,038 6,486,220 74
75 75 523,029,161 1,243,494 5,242,727 6,486,220 75
76 76 521,773,232 1,255,929 5,230,292 6,486,220 76
77 77 520,504,744 1,268,488 5,217,732 6,486,220 77
78 78 519,223,571 1,281,173 5,205,047 6,486,220 78
79 79 517,929,587 1,293,985 5,192,236 6,486,220 79
80 80 516,622,662 1,306,925 5,179,296 6,486,220 80
81 81 515,302,668 1,319,994 5,166,227 6,486,220 81
82 82 513,969,474 1,333,194 5,153,027 6,486,220 82
83 83 512,622,949 1,346,526 5,139,695 6,486,220 83
84 84 511,262,958 1,359,991 5,126,229 6,486,220 84
85 85 509,889,367 1,373,591 5,112,630 6,486,220 85
86 86 508,502,040 1,387,327 5,098,894 6,486,220 86
87 87 507,100,840 1,401,200 5,085,020 6,486,220 87
88 88 505,685,628 1,415,212 5,071,008 6,486,220 88
89 89 504,256,264 1,429,364 5,056,856 6,486,220 89
90 90 502,812,606 1,443,658 5,042,563 6,486,220 90
91 91 501,354,512 1,458,094 5,028,126 6,486,220 91
92 92 499,881,836 1,472,675 5,013,545 6,486,220 92
93 93 498,394,434 1,487,402 4,998,818 6,486,220 93
94 94 496,892,158 1,502,276 4,983,944 6,486,220 94
95 95 495,374,859 1,517,299 4,968,922 6,486,220 95
96 96 493,842,387 1,532,472 4,953,749 6,486,220 96
97 97 492,294,591 1,547,797 4,938,424 6,486,220 97
98 98 490,731,316 1,563,275 4,922,946 6,486,220 98
99 99 489,152,409 1,578,907 4,907,313 6,486,220 99
100 100 487,557,713 1,594,696 4,891,524 6,486,220 100
101 101 485,947,069 1,610,643 4,875,577 6,486,220 101
102 102 484,320,320 1,626,750 4,859,471 6,486,220 102
103 103 482,677,302 1,643,017 4,843,203 6,486,220 103
104 104 481,017,855 1,659,447 4,826,773 6,486,220 104
105 105 479,341,813 1,676,042 4,810,179 6,486,220 105
106 106 477,649,011 1,692,802 4,793,418 6,486,220 106
107 107 475,939,280 1,709,730 4,776,490 6,486,220 107
108 108 474,212,453 1,726,828 4,759,393 6,486,220 108
109 109 472,468,357 1,744,096 4,742,125 6,486,220 109
110 110 470,706,820 1,761,537 4,724,684 6,486,220 110
111 111 468,927,668 1,779,152 4,707,068 6,486,220 111
112 112 467,130,724 1,796,944 4,689,277 6,486,220 112
113 113 465,315,811 1,814,913 4,671,307 6,486,220 113
114 114 463,482,748 1,833,062 4,653,158 6,486,220 114
115 115 461,631,356 1,851,393 4,634,827 6,486,220 115
116 116 459,761,449 1,869,907 4,616,314 6,486,220 116
117 117 457,872,843 1,888,606 4,597,614 6,486,220 117
118 118 455,965,351 1,907,492 4,578,728 6,486,220 118
119 119 454,038,784 1,926,567 4,559,654 6,486,220 119
120 120 452,092,951 1,945,833 4,540,388 6,486,220 120
121 121 450,127,660 1,965,291 4,520,930 6,486,220 121
122 122 448,142,716 1,984,944 4,501,277 6,486,220 122
123 123 446,137,923 2,004,793 4,481,427 6,486,220 123
124 124 444,113,082 2,024,841 4,461,379 6,486,220 124
125 125 442,067,992 2,045,090 4,441,131 6,486,220 125
126 126 440,002,452 2,065,541 4,420,680 6,486,220 126
127 127 437,916,256 2,086,196 4,400,025 6,486,220 127
128 128 435,809,198 2,107,058 4,379,163 6,486,220 128
129 129 433,681,069 2,128,128 4,358,092 6,486,220 129
130 130 431,531,660 2,149,410 4,336,811 6,486,220 130
131 131 429,360,756 2,170,904 4,315,317 6,486,220 131
132 132 427,168,143 2,192,613 4,293,608 6,486,220 132
133 133 424,953,604 2,214,539 4,271,681 6,486,220 133
134 134 422,716,919 2,236,684 4,249,536 6,486,220 134
135 135 420,457,868 2,259,051 4,227,169 6,486,220 135
136 136 418,176,226 2,281,642 4,204,579 6,486,220 136
137 137 415,871,768 2,304,458 4,181,762 6,486,220 137
138 138 413,544,266 2,327,503 4,158,718 6,486,220 138
139 139 411,193,488 2,350,778 4,135,443 6,486,220 139
140 140 408,819,202 2,374,286 4,111,935 6,486,220 140
141 141 406,421,174 2,398,028 4,088,192 6,486,220 141
142 142 403,999,165 2,422,009 4,064,212 6,486,220 142
143 143 401,552,936 2,446,229 4,039,992 6,486,220 143
144 144 399,082,245 2,470,691 4,015,529 6,486,220 144
145 145 396,586,847 2,495,398 3,990,822 6,486,220 145
146 146 394,066,495 2,520,352 3,965,868 6,486,220 146
147 147 391,520,940 2,545,555 3,940,665 6,486,220 147
148 148 388,949,929 2,571,011 3,915,209 6,486,220 148
149 149 386,353,207 2,596,721 3,889,499 6,486,220 149
150 150 383,730,519 2,622,688 3,863,532 6,486,220 150
151 151 381,081,604 2,648,915 3,837,305 6,486,220 151
152 152 378,406,199 2,675,404 3,810,816 6,486,220 152
153 153 375,704,041 2,702,158 3,784,062 6,486,220 153
154 154 372,974,861 2,729,180 3,757,040 6,486,220 154
155 155 370,218,389 2,756,472 3,729,749 6,486,220 155
156 156 367,434,353 2,784,037 3,702,184 6,486,220 156
157 157 364,622,476 2,811,877 3,674,344 6,486,220 157
158 158 361,782,480 2,839,996 3,646,225 6,486,220 158
159 159 358,914,084 2,868,396 3,617,825 6,486,220 159
160 160 356,017,005 2,897,080 3,589,141 6,486,220 160
161 161 353,090,954 2,926,050 3,560,170 6,486,220 161
162 162 350,135,643 2,955,311 3,530,910 6,486,220 162
163 163 347,150,779 2,984,864 3,501,356 6,486,220 163
164 164 344,136,067 3,014,713 3,471,508 6,486,220 164
165 165 341,091,207 3,044,860 3,441,361 6,486,220 165
166 166 338,015,899 3,075,308 3,410,912 6,486,220 166
167 167 334,909,837 3,106,061 3,380,159 6,486,220 167
168 168 331,772,715 3,137,122 3,349,098 6,486,220 168
169 169 328,604,222 3,168,493 3,317,727 6,486,220 169
170 170 325,404,044 3,200,178 3,286,042 6,486,220 170
171 171 322,171,863 3,232,180 3,254,040 6,486,220 171
172 172 318,907,362 3,264,502 3,221,719 6,486,220 172
173 173 315,610,215 3,297,147 3,189,074 6,486,220 173
174 174 312,280,097 3,330,118 3,156,102 6,486,220 174
175 175 308,916,677 3,363,419 3,122,801 6,486,220 175
176 176 305,519,623 3,397,054 3,089,167 6,486,220 176
177 177 302,088,599 3,431,024 3,055,196 6,486,220 177
178 178 298,623,265 3,465,334 3,020,886 6,486,220 178
179 179 295,123,277 3,499,988 2,986,233 6,486,220 179
180 180 291,588,289 3,534,988 2,951,233 6,486,220 180
181 181 288,017,952 3,570,338 2,915,883 6,486,220 181
182 182 284,411,911 3,606,041 2,880,180 6,486,220 182
183 183 280,769,809 3,642,101 2,844,119 6,486,220 183
184 184 277,091,287 3,678,522 2,807,698 6,486,220 184
185 185 273,375,980 3,715,308 2,770,913 6,486,220 185
186 186 269,623,519 3,752,461 2,733,760 6,486,220 186
187 187 265,833,534 3,789,985 2,696,235 6,486,220 187
188 188 262,005,648 3,827,885 2,658,335 6,486,220 188
189 189 258,139,485 3,866,164 2,620,056 6,486,220 189
190 190 254,234,659 3,904,826 2,581,395 6,486,220 190
191 191 250,290,785 3,943,874 2,542,347 6,486,220 191
192 192 246,307,472 3,983,313 2,502,908 6,486,220 192
193 193 242,284,327 4,023,146 2,463,075 6,486,220 193
194 194 238,220,950 4,063,377 2,422,843 6,486,220 194
195 195 234,116,939 4,104,011 2,382,209 6,486,220 195
196 196 229,971,888 4,145,051 2,341,169 6,486,220 196
197 197 225,785,386 4,186,502 2,299,719 6,486,220 197
198 198 221,557,019 4,228,367 2,257,854 6,486,220 198
199 199 217,286,369 4,270,650 2,215,570 6,486,220 199
200 200 212,973,012 4,313,357 2,172,864 6,486,220 200
201 201 208,616,522 4,356,490 2,129,730 6,486,220 201
202 202 204,216,467 4,400,055 2,086,165 6,486,220 202
203 203 199,772,411 4,444,056 2,042,165 6,486,220 203
204 204 195,283,915 4,488,496 1,997,724 6,486,220 204
205 205 190,750,533 4,533,381 1,952,839 6,486,220 205
206 206 186,171,818 4,578,715 1,907,505 6,486,220 206
207 207 181,547,316 4,624,502 1,861,718 6,486,220 207
208 208 176,876,569 4,670,747 1,815,473 6,486,220 208
209 209 172,159,114 4,717,455 1,768,766 6,486,220 209
210 210 167,394,485 4,764,629 1,721,591 6,486,220 210
211 211 162,582,209 4,812,276 1,673,945 6,486,220 211
212 212 157,721,811 4,860,398 1,625,822 6,486,220 212
213 213 152,812,808 4,909,002 1,577,218 6,486,220 213
214 214 147,854,716 4,958,092 1,528,128 6,486,220 214
215 215 142,847,043 5,007,673 1,478,547 6,486,220 215
216 216 137,789,293 5,057,750 1,428,470 6,486,220 216
217 217 132,680,965 5,108,328 1,377,893 6,486,220 217
218 218 127,521,554 5,159,411 1,326,810 6,486,220 218
219 219 122,310,550 5,211,005 1,275,216 6,486,220 219
220 220 117,047,435 5,263,115 1,223,105 6,486,220 220
221 221 111,731,689 5,315,746 1,170,474 6,486,220 221
222 222 106,362,785 5,368,904 1,117,317 6,486,220 222
223 223 100,940,192 5,422,593 1,063,628 6,486,220 223
224 224 95,463,374 5,476,819 1,009,402 6,486,220 224
225 225 89,931,787 5,531,587 954,634 6,486,220 225
226 226 84,344,885 5,586,903 899,318 6,486,220 226
227 227 78,702,113 5,642,772 843,449 6,486,220 227
228 228 73,002,914 5,699,199 787,021 6,486,220 228
229 229 67,246,722 5,756,191 730,029 6,486,220 229
230 230 61,432,969 5,813,753 672,467 6,486,220 230
231 231 55,561,078 5,871,891 614,330 6,486,220 231
232 232 49,630,469 5,930,610 555,611 6,486,220 232
233 233 43,640,553 5,989,916 496,305 6,486,220 233
234 234 37,590,738 6,049,815 436,406 6,486,220 234
235 235 31,480,425 6,110,313 375,907 6,486,220 235
236 236 25,309,009 6,171,416 314,804 6,486,220 236
237 237 19,075,878 6,233,130 253,090 6,486,220 237
238 238 12,780,417 6,295,462 190,759 6,486,220 238
239 239 6,422,000 6,358,416 127,804 6,486,220 239
240 240 (0) 6,422,000 64,220 6,486,220 240
613,335,350 873,311,455 1,486,646,805
CONTOH PERHITUNGAN ANGSURAN (ANUITAS)
In Arrear = Angsuran mulai dibayar bulan berikutnya In Advance =angsuran dibayar pada saat awal (DP diba
Angsuran / bln Angsuran / bln
Pinjaman x suku bunga

1 DAPAT DIUBAH 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 613,335,350 Angsuran/Bln 4,847,655.31 Pokok 613,335,350

Tenor (Bln) 240 Tot P+B 1,163,437,275 181,049,431 Tenor (Bln) 240
Int (eff) 7.25% Tot Bunga 550,101,925 134,415,886 Int (eff) 7.25%
46,633,544

Tenor (Bln) 204 Tot P+B 1,332,903,229 1,326,369,390
Int (eff) 12.00% Tot Bunga 765,343,184 759,667,584
566,701,806
pokok x suku bunga

12
AngKe O/S Pokok AngPokok Angs Bunga Angsuran AngKe O/S Pokok
0 613,335,350 - - 1 608,516,807
1 612,193,262 1,142,088 3,705,568 4,847,655 2 607,374,719
2 611,044,275 1,148,988 3,698,668 4,847,655 3 606,225,731
3 609,888,345 1,155,929 3,691,726 4,847,655 4 605,069,802
4 608,725,432 1,162,913 3,684,742 4,847,655 5 603,906,889
5 607,555,493 1,169,939 3,677,716 4,847,655 6 602,736,950
6 606,378,485 1,177,008 3,670,648 4,847,655 7 601,559,942
7 605,194,367 1,184,119 3,663,537 4,847,655 8 600,375,823
8 604,003,094 1,191,273 3,656,383 4,847,655 9 599,184,551
9 602,804,624 1,198,470 3,649,185 4,847,655 10 597,986,081
10 601,598,913 1,205,711 3,641,945 4,847,655 11 596,780,370
11 600,385,918 1,212,995 3,634,660 4,847,655 12 595,567,375
12 599,165,594 1,220,324 3,627,332 4,847,655 13 594,347,051
13 597,937,898 1,227,697 3,619,959 4,847,655 14 593,119,355
14 596,702,784 1,235,114 3,612,541 4,847,655 15 591,884,241
15 595,460,208 1,242,576 3,605,079 4,847,655 16 590,641,665
16 594,210,125 1,250,083 3,597,572 4,847,655 17 589,391,582
17 592,952,489 1,257,636 3,590,020 4,847,655 18 588,133,946
18 591,687,255 1,265,234 3,582,421 4,847,655 19 586,868,712
19 590,414,377 1,272,878 3,574,777 4,847,655 20 585,595,834
20 589,133,808 1,280,568 3,567,087 4,847,655 21 584,315,265
21 587,845,503 1,288,305 3,559,350 4,847,655 22 583,026,960
22 586,549,414 1,296,089 3,551,567 4,847,655 23 581,730,871
23 585,245,495 1,303,919 3,543,736 4,847,655 24 580,426,952
24 583,933,698 1,311,797 3,535,858 4,847,655 25 579,115,155
25 582,613,976 1,319,723 3,527,933 4,847,655 26 577,795,432
26 581,286,280 1,327,696 3,519,959 4,847,655 27 576,467,736
27 579,950,562 1,335,717 3,511,938 4,847,655 28 575,132,019
28 578,606,775 1,343,787 3,503,868 4,847,655 29 573,788,232
29 577,254,869 1,351,906 3,495,749 4,847,655 30 572,436,326
30 575,894,795 1,360,074 3,487,581 4,847,655 31 571,076,252
31 574,526,504 1,368,291 3,479,364 4,847,655 32 569,707,961
32 573,149,946 1,376,558 3,471,098 4,847,655 33 568,331,403
33 571,765,072 1,384,874 3,462,781 4,847,655 34 566,946,529
34 570,371,831 1,393,241 3,454,414 4,847,655 35 565,553,287
35 568,970,172 1,401,659 3,445,996 4,847,655 36 564,151,629
36 567,560,045 1,410,127 3,437,528 4,847,655 37 562,741,501
37 566,701,806 858,239 5,675,600 6,533,839 38 561,322,855
38 565,834,984 866,821 5,667,018 6,533,839 39 559,895,637
39 564,959,495 875,490 5,658,350 6,533,839 40 558,459,797
40 564,075,251 884,244 5,649,595 6,533,839 41 557,015,281
41 563,182,164 893,087 5,640,753 6,533,839 42 555,562,039
42 562,280,146 902,018 5,631,822 6,533,839 43 554,100,016
43 561,369,108 911,038 5,622,801 6,533,839 44 552,629,160
44 560,448,960 920,148 5,613,691 6,533,839 45 551,149,418
45 559,519,610 929,350 5,604,490 6,533,839 46 549,660,736
46 558,580,967 938,643 5,595,196 6,533,839 47 548,163,060
47 557,632,937 948,030 5,585,810 6,533,839 48 546,656,335
48 556,675,427 957,510 5,576,329 6,533,839 49 545,140,507
49 555,708,342 967,085 5,566,754 6,533,839 50 543,615,521
50 554,731,586 976,756 5,557,083 6,533,839 51 542,081,321
51 553,745,063 986,523 5,547,316 6,533,839 52 540,537,853
52 552,748,674 996,389 5,537,451 6,533,839 53 538,985,059
53 551,742,321 1,006,353 5,527,487 6,533,839 54 537,422,884
54 550,725,905 1,016,416 5,517,423 6,533,839 55 535,851,270
55 549,699,325 1,026,580 5,507,259 6,533,839 56 534,270,162
56 548,662,479 1,036,846 5,496,993 6,533,839 57 532,679,501
57 547,615,264 1,047,215 5,486,625 6,533,839 58 531,079,229
58 546,557,577 1,057,687 5,476,153 6,533,839 59 529,469,290
59 545,489,314 1,068,264 5,465,576 6,533,839 60 527,849,624
60 544,410,368 1,078,946 5,454,893 6,533,839
61 543,320,632 1,089,736 5,444,104 6,533,839 61 526,220,172
62 542,219,999 1,100,633 5,433,206 6,533,839 62 524,580,875
63 541,108,359 1,111,639 5,422,200 6,533,839 63 522,931,675
64 539,985,604 1,122,756 5,411,084 6,533,839 64 521,272,510
65 538,851,620 1,133,983 5,399,856 6,533,839 65 519,603,322
66 537,706,297 1,145,323 5,388,516 6,533,839 66 517,924,049
67 536,549,521 1,156,776 5,377,063 6,533,839 67 516,234,630
68 535,381,177 1,168,344 5,365,495 6,533,839 68 514,535,004
69 534,201,149 1,180,028 5,353,812 6,533,839 69 512,825,110
70 533,009,321 1,191,828 5,342,011 6,533,839 70 511,104,885
71 531,805,575 1,203,746 5,330,093 6,533,839 71 509,374,267
72 530,589,792 1,215,784 5,318,056 6,533,839 72 507,633,193
73 529,361,850 1,227,941 5,305,898 6,533,839 73 505,881,601
74 528,121,629 1,240,221 5,293,619 6,533,839 74 504,119,425
75 526,869,006 1,252,623 5,281,216 6,533,839 75 502,346,603
76 525,603,857 1,265,149 5,268,690 6,533,839 76 500,563,071
77 524,326,056 1,277,801 5,256,039 6,533,839 77 498,768,763
78 523,035,477 1,290,579 5,243,261 6,533,839 78 496,963,614
79 521,731,993 1,303,485 5,230,355 6,533,839 79 495,147,559
80 520,415,473 1,316,519 5,217,320 6,533,839 80 493,320,533
81 519,085,789 1,329,685 5,204,155 6,533,839 81 491,482,468
82 517,742,807 1,342,981 5,190,858 6,533,839 82 489,633,298
83 516,386,396 1,356,411 5,177,428 6,533,839 83 487,772,955
84 515,016,420 1,369,975 5,163,864 6,533,839 84 485,901,374
85 513,632,745 1,383,675 5,150,164 6,533,839 85 484,018,485
86 512,235,233 1,397,512 5,136,327 6,533,839 86 482,124,220
87 510,823,746 1,411,487 5,122,352 6,533,839 87 480,218,510
88 509,398,144 1,425,602 5,108,237 6,533,839 88 478,301,287
89 507,958,287 1,439,858 5,093,981 6,533,839 89 476,372,481
90 506,504,030 1,454,256 5,079,583 6,533,839 90 474,432,021
91 505,035,231 1,468,799 5,065,040 6,533,839 91 472,479,838
92 503,551,744 1,483,487 5,050,352 6,533,839 92 470,515,860
93 502,053,422 1,498,322 5,035,517 6,533,839 93 468,540,017
94 500,540,117 1,513,305 5,020,534 6,533,839 94 466,552,237
95 499,011,679 1,528,438 5,005,401 6,533,839 95 464,552,446
96 497,467,956 1,543,723 4,990,117 6,533,839 96 462,540,574
97 495,908,796 1,559,160 4,974,680 6,533,839 97 460,516,547
98 494,334,045 1,574,751 4,959,088 6,533,839 98 458,480,291
99 492,743,546 1,590,499 4,943,340 6,533,839 99 456,431,733
100 491,137,142 1,606,404 4,927,435 6,533,839 100 454,370,798
101 489,514,674 1,622,468 4,911,371 6,533,839 101 452,297,411
102 487,875,982 1,638,693 4,895,147 6,533,839 102 450,211,498
103 486,220,902 1,655,080 4,878,760 6,533,839 103 448,112,983
104 484,549,272 1,671,630 4,862,209 6,533,839 104 446,001,789
105 482,860,925 1,688,347 4,845,493 6,533,839 105 443,877,840
106 481,155,695 1,705,230 4,828,609 6,533,839 106 441,741,058
107 479,433,413 1,722,282 4,811,557 6,533,839 107 439,591,367
108 477,693,907 1,739,505 4,794,334 6,533,839 108 437,428,689
109 475,937,007 1,756,900 4,776,939 6,533,839 109 435,252,944
110 474,162,538 1,774,469 4,759,370 6,533,839 110 433,064,054
111 472,370,324 1,792,214 4,741,625 6,533,839 111 430,861,939
112 470,560,188 1,810,136 4,723,703 6,533,839 112 428,646,520
113 468,731,950 1,828,237 4,705,602 6,533,839 113 426,417,716
114 466,885,430 1,846,520 4,687,320 6,533,839 114 424,175,446
115 465,020,445 1,864,985 4,668,854 6,533,839 115 421,919,630
116 463,136,810 1,883,635 4,650,204 6,533,839 116 419,650,184
117 461,234,339 1,902,471 4,631,368 6,533,839 117 417,367,028
118 459,312,843 1,921,496 4,612,343 6,533,839 118 415,070,077
119 457,372,132 1,940,711 4,593,128 6,533,839 119 412,759,248
120 455,412,014 1,960,118 4,573,721 6,533,839 120 410,434,459
121 453,432,295 1,979,719 4,554,120 6,533,839
122 451,432,779 1,999,516 4,534,323 6,533,839
123 449,413,267 2,019,512 4,514,328 6,533,839
124 447,373,560 2,039,707 4,494,133 6,533,839
125 445,313,457 2,060,104 4,473,736 6,533,839
126 443,232,752 2,080,705 4,453,135 6,533,839
127 441,131,240 2,101,512 4,432,328 6,533,839
128 439,008,713 2,122,527 4,411,312 6,533,839
129 436,864,961 2,143,752 4,390,087 6,533,839
130 434,699,771 2,165,190 4,368,650 6,533,839
131 432,512,929 2,186,842 4,346,998 6,533,839
132 430,304,219 2,208,710 4,325,129 6,533,839
133 428,073,422 2,230,797 4,303,042 6,533,839
134 425,820,317 2,253,105 4,280,734 6,533,839
135 423,544,681 2,275,636 4,258,203 6,533,839
136 421,246,288 2,298,393 4,235,447 6,533,839
137 418,924,912 2,321,376 4,212,463 6,533,839
138 416,580,321 2,344,590 4,189,249 6,533,839
139 414,212,285 2,368,036 4,165,803 6,533,839
140 411,820,569 2,391,717 4,142,123 6,533,839
141 409,404,935 2,415,634 4,118,206 6,533,839
142 406,965,145 2,439,790 4,094,049 6,533,839
143 404,500,957 2,464,188 4,069,651 6,533,839
144 402,012,127 2,488,830 4,045,010 6,533,839
145 399,498,409 2,513,718 4,020,121 6,533,839
146 396,959,554 2,538,855 3,994,984 6,533,839
147 394,395,310 2,564,244 3,969,596 6,533,839
148 391,805,424 2,589,886 3,943,953 6,533,839
149 389,189,639 2,615,785 3,918,054 6,533,839
150 386,547,696 2,641,943 3,891,896 6,533,839
151 383,879,334 2,668,362 3,865,477 6,533,839
152 381,184,288 2,695,046 3,838,793 6,533,839
153 378,462,291 2,721,996 3,811,843 6,533,839
154 375,713,075 2,749,216 3,784,623 6,533,839
155 372,936,366 2,776,709 3,757,131 6,533,839
156 370,131,890 2,804,476 3,729,364 6,533,839
157 367,299,370 2,832,520 3,701,319 6,533,839
158 364,438,524 2,860,846 3,672,994 6,533,839
159 361,549,070 2,889,454 3,644,385 6,533,839
160 358,630,721 2,918,349 3,615,491 6,533,839
161 355,683,189 2,947,532 3,586,307 6,533,839
162 352,706,182 2,977,007 3,556,832 6,533,839
163 349,699,404 3,006,778 3,527,062 6,533,839
164 346,662,559 3,036,845 3,496,994 6,533,839
165 343,595,345 3,067,214 3,466,626 6,533,839
166 340,497,459 3,097,886 3,435,953 6,533,839
167 337,368,594 3,128,865 3,404,975 6,533,839
168 334,208,441 3,160,153 3,373,686 6,533,839
169 331,016,686 3,191,755 3,342,084 6,533,839
170 327,793,014 3,223,672 3,310,167 6,533,839
171 324,537,104 3,255,909 3,277,930 6,533,839
172 321,248,636 3,288,468 3,245,371 6,533,839
173 317,927,283 3,321,353 3,212,486 6,533,839
174 314,572,717 3,354,567 3,179,273 6,533,839
175 311,184,604 3,388,112 3,145,727 6,533,839
176 307,762,611 3,421,993 3,111,846 6,533,839
177 304,306,398 3,456,213 3,077,626 6,533,839
178 300,815,622 3,490,775 3,043,064 6,533,839
179 297,289,939 3,525,683 3,008,156 6,533,839
180 293,728,999 3,560,940 2,972,899 6,533,839
181 290,132,450 3,596,549 2,937,290 6,533,839
182 286,499,935 3,632,515 2,901,324 6,533,839
183 282,831,095 3,668,840 2,864,999 6,533,839
184 279,125,567 3,705,528 2,828,311 6,533,839
185 275,382,983 3,742,584 2,791,256 6,533,839
186 271,602,973 3,780,010 2,753,830 6,533,839
187 267,785,164 3,817,810 2,716,030 6,533,839
188 263,929,176 3,855,988 2,677,852 6,533,839
189 260,034,628 3,894,548 2,639,292 6,533,839
190 256,101,135 3,933,493 2,600,346 6,533,839
191 252,128,307 3,972,828 2,561,011 6,533,839
192 248,115,751 4,012,556 2,521,283 6,533,839
193 244,063,069 4,052,682 2,481,158 6,533,839
194 239,969,861 4,093,209 2,440,631 6,533,839
195 235,835,720 4,134,141 2,399,699 6,533,839
196 231,660,238 4,175,482 2,358,357 6,533,839
197 227,443,001 4,217,237 2,316,602 6,533,839
198 223,183,591 4,259,409 2,274,430 6,533,839
199 218,881,588 4,302,003 2,231,836 6,533,839
200 214,536,564 4,345,023 2,188,816 6,533,839
201 210,148,091 4,388,474 2,145,366 6,533,839
202 205,715,732 4,432,358 2,101,481 6,533,839
203 201,239,050 4,476,682 2,057,157 6,533,839
204 196,717,601 4,521,449 2,012,391 6,533,839
205 192,150,938 4,566,663 1,967,176 6,533,839
206 187,538,608 4,612,330 1,921,509 6,533,839
207 182,880,155 4,658,453 1,875,386 6,533,839
208 178,175,117 4,705,038 1,828,802 6,533,839
209 173,423,029 4,752,088 1,781,751 6,533,839
210 168,623,420 4,799,609 1,734,230 6,533,839
211 163,775,815 4,847,605 1,686,234 6,533,839
212 158,879,733 4,896,081 1,637,758 6,533,839
213 153,934,691 4,945,042 1,588,797 6,533,839
214 148,940,199 4,994,492 1,539,347 6,533,839
215 143,895,762 5,044,437 1,489,402 6,533,839
216 138,800,880 5,094,882 1,438,958 6,533,839
217 133,655,049 5,145,831 1,388,009 6,533,839
218 128,457,760 5,197,289 1,336,550 6,533,839
219 123,208,499 5,249,262 1,284,578 6,533,839
220 117,906,744 5,301,754 1,232,085 6,533,839
221 112,551,972 5,354,772 1,179,067 6,533,839
222 107,143,653 5,408,320 1,125,520 6,533,839
223 101,681,250 5,462,403 1,071,437 6,533,839
224 96,164,223 5,517,027 1,016,812 6,533,839
225 90,592,026 5,572,197 961,642 6,533,839
226 84,964,107 5,627,919 905,920 6,533,839
227 79,279,908 5,684,198 849,641 6,533,839
228 73,538,868 5,741,040 792,799 6,533,839
229 67,740,418 5,798,451 735,389 6,533,839
230 61,883,982 5,856,435 677,404 6,533,839
231 55,968,983 5,915,000 618,840 6,533,839
232 49,994,833 5,974,150 559,690 6,533,839
233 43,960,942 6,033,891 499,948 6,533,839
234 37,866,712 6,094,230 439,609 6,533,839
235 31,711,540 6,155,172 378,667 6,533,839
236 25,494,816 6,216,724 317,115 6,533,839
237 19,215,925 6,278,891 254,948 6,533,839
238 12,874,245 6,341,680 192,159 6,533,839
239 6,469,148 6,405,097 128,742 6,533,839
240 0 6,469,148 64,691 6,533,839
613,335,350 894,083,470 1,507,418,820
ngsuran dibayar pada saat awal (DP dibayar)

X (1+suku bunga)
(1+suku bunga) Tenor
erhitungan suku bunga harus dibagi 12
Angsuran/Bln 4,818,543
Tot P+B 1,156,450,387
Tot Bunga 543,115,037
pokok x suku bunga

12
AngPokok Bunga Angsuran
4,818,543 - 4,818,543
1,142,088 3,676,456 4,818,543
1,148,988 3,669,556 4,818,543
1,155,929 3,662,614 4,818,543
1,162,913 3,655,630 4,818,543
1,169,939 3,648,604 4,818,543
1,177,008 3,641,536 4,818,543
1,184,119 3,634,425 4,818,543
1,191,273 3,627,271 4,818,543
1,198,470 3,620,073 4,818,543
1,205,711 3,612,833 4,818,543
1,212,995 3,605,548 4,818,543
1,220,324 3,598,220 4,818,543
1,227,697 3,590,847 4,818,543
1,235,114 3,583,429 4,818,543
1,242,576 3,575,967 4,818,543
1,250,083 3,568,460 4,818,543
1,257,636 3,560,907 4,818,543
1,265,234 3,553,309 4,818,543
1,272,878 3,545,665 4,818,543
1,280,568 3,537,975 4,818,543
1,288,305 3,530,238 4,818,543
1,296,089 3,522,455 4,818,543
1,303,919 3,514,624 4,818,543
1,311,797 3,506,746 4,818,543
1,319,723 3,498,821 4,818,543
1,327,696 3,490,847 4,818,543
1,335,717 3,482,826 4,818,543
1,343,787 3,474,756 4,818,543
1,351,906 3,466,637 4,818,543
1,360,074 3,458,469 4,818,543
1,368,291 3,450,252 4,818,543
1,376,558 3,441,986 4,818,543
1,384,874 3,433,669 4,818,543
1,393,241 3,425,302 4,818,543
1,401,659 3,416,884 4,818,543
1,410,127 3,408,416 4,818,543
1,418,647 3,399,897 4,818,543
1,427,218 3,391,326 4,818,543
1,435,840 3,382,703 4,818,543
1,444,515 3,374,028 4,818,543
1,453,243 3,365,301 4,818,543
1,462,023 3,356,521 4,818,543
1,470,856 3,347,688 4,818,543
1,479,742 3,338,801 4,818,543
1,488,682 3,329,861 4,818,543
1,497,676 3,320,867 4,818,543
1,506,725 3,311,818 4,818,543
1,515,828 3,302,715 4,818,543
1,524,986 3,293,557 4,818,543
1,534,200 3,284,344 4,818,543
1,543,469 3,275,075 4,818,543
1,552,794 3,265,750 4,818,543
1,562,175 3,256,368 4,818,543
1,571,613 3,246,930 4,818,543
1,581,109 3,237,435 4,818,543
1,590,661 3,227,882 4,818,543
1,600,271 3,218,272 4,818,543
1,609,940 3,208,604 4,818,543
1,619,666 3,198,877 4,818,543
1,629,452 3,189,091 4,818,543

1,639,296 3,179,247 4,818,543
1,649,200 3,169,343 4,818,543
1,659,164 3,159,379 4,818,543
1,669,189 3,149,355 4,818,543
1,679,273 3,139,270 4,818,543
1,689,419 3,129,124 4,818,543
1,699,626 3,118,918 4,818,543
1,709,894 3,108,649 4,818,543
1,720,225 3,098,318 4,818,543
1,730,618 3,087,925 4,818,543
1,741,074 3,077,470 4,818,543
1,751,593 3,066,951 4,818,543
1,762,175 3,056,368 4,818,543
1,772,822 3,045,722 4,818,543
1,783,533 3,035,011 4,818,543
1,794,308 3,024,235 4,818,543
1,805,149 3,013,395 4,818,543
1,816,055 3,002,489 4,818,543
1,827,027 2,991,517 4,818,543
1,838,065 2,980,478 4,818,543
1,849,170 2,969,373 4,818,543
1,860,342 2,958,201 4,818,543
1,871,582 2,946,962 4,818,543
1,882,889 2,935,654 4,818,543
1,894,265 2,924,278 4,818,543
1,905,709 2,912,834 4,818,543
1,917,223 2,901,320 4,818,543
1,928,806 2,889,737 4,818,543
1,940,460 2,878,084 4,818,543
1,952,183 2,866,360 4,818,543
1,963,978 2,854,566 4,818,543
1,975,843 2,842,700 4,818,543
1,987,781 2,830,763 4,818,543
1,999,790 2,818,753 4,818,543
2,011,872 2,806,671 4,818,543
2,024,027 2,794,516 4,818,543
2,036,256 2,782,287 4,818,543
2,048,558 2,769,985 4,818,543
2,060,935 2,757,608 4,818,543
2,073,386 2,745,157 4,818,543
2,085,913 2,732,630 4,818,543
2,098,515 2,720,028 4,818,543
2,111,194 2,707,349 4,818,543
2,123,949 2,694,594 4,818,543
2,136,781 2,681,762 4,818,543
2,149,691 2,668,852 4,818,543
2,162,679 2,655,865 4,818,543
2,175,745 2,642,798 4,818,543
2,188,890 2,629,653 4,818,543
2,202,115 2,616,429 4,818,543
2,215,419 2,603,124 4,818,543
2,228,804 2,589,739 4,818,543
2,242,270 2,576,274 4,818,543
2,255,817 2,562,727 4,818,543
2,269,446 2,549,098 4,818,543
2,283,157 2,535,387 4,818,543
2,296,951 2,521,592 4,818,543
2,310,828 2,507,715 4,818,543
2,324,789 2,493,754 4,818,543
202,900,891 375,324,303 578,225,194

Angsuran / bln

1 DAPAT DIUBAH
(1 + suku bunga)

Tenor (Bln) 180 Tot P+B 1,086,509,007 362,169,669
126,281,902

Tenor (Bln) 120 Tot P+B 872,667,730 872,667,730
487,053,448
pokok x suku bunga

12
0 0 613,335,350 - - 0
1 1 611,638,536 1,696,814 4,339,348 6,036,161 1
2 2 609,929,718 1,708,819 4,327,343 6,036,161 2
3 3 608,208,810 1,720,908 4,315,253 6,036,161 3
4 4 606,475,726 1,733,084 4,303,077 6,036,161 4
5 5 604,730,380 1,745,345 4,290,816 6,036,161 5
6 6 602,972,687 1,757,694 4,278,467 6,036,161 6
7 7 601,202,557 1,770,129 4,266,032 6,036,161 7
8 8 599,419,904 1,782,653 4,253,508 6,036,161 8
9 9 597,624,639 1,795,265 4,240,896 6,036,161 9
10 10 595,816,672 1,807,967 4,228,194 6,036,161 10
11 11 593,995,914 1,820,758 4,215,403 6,036,161 11
12 12 592,162,274 1,833,640 4,202,521 6,036,161 12
13 13 590,315,661 1,846,613 4,189,548 6,036,161 13
14 14 588,455,983 1,859,678 4,176,483 6,036,161 14
15 15 586,583,148 1,872,835 4,163,326 6,036,161 15
16 16 584,697,062 1,886,085 4,150,076 6,036,161 16
17 17 582,797,633 1,899,429 4,136,732 6,036,161 17
18 18 580,884,765 1,912,868 4,123,293 6,036,161 18
19 19 578,958,364 1,926,401 4,109,760 6,036,161 19
20 20 577,018,333 1,940,031 4,096,130 6,036,161 20
21 21 575,064,576 1,953,756 4,082,405 6,036,161 21
22 22 573,096,997 1,967,579 4,068,582 6,036,161 22
23 23 571,115,497 1,981,500 4,054,661 6,036,161 23
24 24 569,119,978 1,995,519 4,040,642 6,036,161 24
25 25 567,110,341 2,009,637 4,026,524 6,036,161 25
26 26 565,086,486 2,023,855 4,012,306 6,036,161 26
27 27 563,048,311 2,038,174 3,997,987 6,036,161 27
28 28 560,995,717 2,052,594 3,983,567 6,036,161 28
29 29 558,928,600 2,067,116 3,969,045 6,036,161 29
30 30 556,846,859 2,081,741 3,954,420 6,036,161 30
31 31 554,750,390 2,096,470 3,939,692 6,036,161 31
32 32 552,639,087 2,111,302 3,924,859 6,036,161 32
33 33 550,512,848 2,126,240 3,909,922 6,036,161 33
34 34 548,371,565 2,141,283 3,894,878 6,036,161 34
35 35 546,215,133 2,156,432 3,879,729 6,036,161 35
36 36 544,043,444 2,171,689 3,864,472 6,036,161 36
37 37 541,856,390 2,187,054 3,849,107 6,036,161 37
38 38 539,653,863 2,202,527 3,833,634 6,036,161 38
39 39 537,435,753 2,218,110 3,818,051 6,036,161 39
40 40 535,201,949 2,233,803 3,802,358 6,036,161 40
41 41 532,952,342 2,249,607 3,786,554 6,036,161 41
42 42 530,686,819 2,265,523 3,770,638 6,036,161 42
43 43 528,405,267 2,281,552 3,754,609 6,036,161 43
44 44 526,107,573 2,297,694 3,738,467 6,036,161 44
45 45 523,793,623 2,313,950 3,722,211 6,036,161 45
46 46 521,463,302 2,330,321 3,705,840 6,036,161 46
47 47 519,116,493 2,346,808 3,689,353 6,036,161 47
48 48 516,753,081 2,363,412 3,672,749 6,036,161 48
49 49 514,372,948 2,380,133 3,656,028 6,036,161 49
50 50 511,975,976 2,396,973 3,639,189 6,036,161 50
51 51 509,562,045 2,413,931 3,622,230 6,036,161 51
52 52 507,131,035 2,431,010 3,605,151 6,036,161 52
53 53 504,682,826 2,448,209 3,587,952 6,036,161 53
54 54 502,217,296 2,465,530 3,570,631 6,036,161 54
55 55 499,734,322 2,482,974 3,553,187 6,036,161 55
56 56 497,233,781 2,500,541 3,535,620 6,036,161 56
57 57 494,715,549 2,518,232 3,517,929 6,036,161 57
58 58 492,179,500 2,536,049 3,500,113 6,036,161 58
59 59 489,625,509 2,553,991 3,482,170 6,036,161 59
60 60 487,053,448 2,572,061 3,464,100 6,036,161 60
61 61 485,057,630 1,995,819 5,276,412 7,272,231 61
62 62 483,040,190 2,017,440 5,254,791 7,272,231 62
63 63 481,000,894 2,039,296 5,232,935 7,272,231 63
64 64 478,939,506 2,061,388 5,210,843 7,272,231 64
65 65 476,855,786 2,083,720 5,188,511 7,272,231 65
66 66 474,749,493 2,106,293 5,165,938 7,272,231 66
67 67 472,620,381 2,129,112 5,143,120 7,272,231 67
68 68 470,468,204 2,152,177 5,120,054 7,272,231 68
69 69 468,292,712 2,175,492 5,096,739 7,272,231 69
70 70 466,093,652 2,199,060 5,073,171 7,272,231 70
71 71 463,870,769 2,222,883 5,049,348 7,272,231 71
72 72 461,623,804 2,246,964 5,025,267 7,272,231 72
73 73 459,352,498 2,271,307 5,000,925 7,272,231 73
74 74 457,056,585 2,295,912 4,976,319 7,272,231 74
75 75 454,735,801 2,320,785 4,951,446 7,272,231 75
76 76 452,389,874 2,345,927 4,926,305 7,272,231 76
77 77 450,018,533 2,371,341 4,900,890 7,272,231 77
78 78 447,621,503 2,397,030 4,875,201 7,272,231 78
79 79 445,198,505 2,422,998 4,849,233 7,272,231 79
80 80 442,749,258 2,449,247 4,822,984 7,272,231 80
81 81 440,273,477 2,475,781 4,796,450 7,272,231 81
82 82 437,770,875 2,502,602 4,769,629 7,272,231 82
83 83 435,241,162 2,529,713 4,742,518 7,272,231 83
84 84 432,684,043 2,557,118 4,715,113 7,272,231 84
85 85 430,099,223 2,584,821 4,687,410 7,272,231 85
86 86 427,486,400 2,612,823 4,659,408 7,272,231 86
87 87 424,845,272 2,641,128 4,631,103 7,272,231 87
88 88 422,175,531 2,669,741 4,602,490 7,272,231 88
89 89 419,476,868 2,698,663 4,573,568 7,272,231 89
90 90 416,748,970 2,727,898 4,544,333 7,272,231 90
91 91 413,991,519 2,757,451 4,514,781 7,272,231 91
92 92 411,204,196 2,787,323 4,484,908 7,272,231 92
93 93 408,386,677 2,817,519 4,454,712 7,272,231 93
94 94 405,538,635 2,848,042 4,424,189 7,272,231 94
95 95 402,659,739 2,878,896 4,393,335 7,272,231 95
96 96 399,749,655 2,910,084 4,362,147 7,272,231 96
97 97 396,808,046 2,941,610 4,330,621 7,272,231 97
98 98 393,834,568 2,973,477 4,298,754 7,272,231 98
99 99 390,828,878 3,005,690 4,266,541 7,272,231 99
100 100 387,790,627 3,038,252 4,233,980 7,272,231 100
101 101 384,719,461 3,071,166 4,201,065 7,272,231 101
102 102 381,615,024 3,104,437 4,167,794 7,272,231 102
103 103 378,476,956 3,138,068 4,134,163 7,272,231 103
104 104 375,304,892 3,172,064 4,100,167 7,272,231 104
105 105 372,098,463 3,206,428 4,065,803 7,272,231 105
106 106 368,857,299 3,241,164 4,031,067 7,272,231 106
107 107 365,581,022 3,276,277 3,995,954 7,272,231 107
108 108 362,269,252 3,311,770 3,960,461 7,272,231 108
109 109 358,921,605 3,347,648 3,924,584 7,272,231 109
110 110 355,537,691 3,383,914 3,888,317 7,272,231 110
111 111 352,117,118 3,420,573 3,851,658 7,272,231 111
112 112 348,659,489 3,457,629 3,814,602 7,272,231 112
113 113 345,164,403 3,495,087 3,777,144 7,272,231 113
114 114 341,631,452 3,532,950 3,739,281 7,272,231 114
115 115 338,060,229 3,571,224 3,701,007 7,272,231 115
116 116 334,450,317 3,609,912 3,662,319 7,272,231 116
117 117 330,801,298 3,649,019 3,623,212 7,272,231 117
118 118 327,112,747 3,688,550 3,583,681 7,272,231 118
119 119 323,384,238 3,728,510 3,543,721 7,272,231 119
120 120 319,615,336 3,768,902 3,503,329 7,272,231 120
121 121 315,805,604 3,809,732 3,462,499 7,272,231 121
122 122 311,954,600 3,851,004 3,421,227 7,272,231 122
123 123 308,061,877 3,892,723 3,379,508 7,272,231 123
124 124 304,126,983 3,934,894 3,337,337 7,272,231 124
125 125 300,149,461 3,977,522 3,294,709 7,272,231 125
126 126 296,128,849 4,020,612 3,251,619 7,272,231 126
127 127 292,064,681 4,064,169 3,208,063 7,272,231 127
128 128 287,956,484 4,108,197 3,164,034 7,272,231 128
129 129 283,803,781 4,152,703 3,119,529 7,272,231 129
130 130 279,606,091 4,197,690 3,074,541 7,272,231 130
131 131 275,362,926 4,243,165 3,029,066 7,272,231 131
132 132 271,073,793 4,289,133 2,983,098 7,272,231 132
133 133 266,738,195 4,335,598 2,936,633 7,272,231 133
134 134 262,355,628 4,382,567 2,889,664 7,272,231 134
135 135 257,925,583 4,430,045 2,842,186 7,272,231 135
136 136 253,447,545 4,478,037 2,794,194 7,272,231 136
137 137 248,920,996 4,526,549 2,745,682 7,272,231 137
138 138 244,345,409 4,575,587 2,696,644 7,272,231 138
139 139 239,720,253 4,625,156 2,647,075 7,272,231 139
140 140 235,044,992 4,675,262 2,596,969 7,272,231 140
141 141 230,319,081 4,725,910 2,546,321 7,272,231 141
142 142 225,541,974 4,777,108 2,495,123 7,272,231 142
143 143 220,713,114 4,828,860 2,443,371 7,272,231 143
144 144 215,831,942 4,881,172 2,391,059 7,272,231 144
145 145 210,897,890 4,934,052 2,338,179 7,272,231 145
146 146 205,910,386 4,987,504 2,284,727 7,272,231 146
147 147 200,868,851 5,041,535 2,230,696 7,272,231 147
148 148 195,772,699 5,096,152 2,176,079 7,272,231 148
149 149 190,621,339 5,151,360 2,120,871 7,272,231 149
150 150 185,414,172 5,207,167 2,065,065 7,272,231 150
151 151 180,150,595 5,263,578 2,008,654 7,272,231 151
152 152 174,829,995 5,320,600 1,951,631 7,272,231 152
153 153 169,451,755 5,378,239 1,893,992 7,272,231 153
154 154 164,015,252 5,436,504 1,835,727 7,272,231 154
155 155 158,519,852 5,495,399 1,776,832 7,272,231 155
156 156 152,964,920 5,554,933 1,717,298 7,272,231 156
157 157 147,349,809 5,615,111 1,657,120 7,272,231 157
158 158 141,673,867 5,675,941 1,596,290 7,272,231 158
159 159 135,936,436 5,737,431 1,534,800 7,272,231 159
160 160 130,136,850 5,799,586 1,472,645 7,272,231 160
161 161 124,274,435 5,862,415 1,409,816 7,272,231 161
162 162 118,348,510 5,925,925 1,346,306 7,272,231 162
163 163 112,358,388 5,990,122 1,282,109 7,272,231 163
164 164 106,303,373 6,055,015 1,217,216 7,272,231 164
165 165 100,182,761 6,120,611 1,151,620 7,272,231 165
166 166 93,995,844 6,186,918 1,085,313 7,272,231 166
167 167 87,741,901 6,253,943 1,018,288 7,272,231 167
168 168 81,420,207 6,321,694 950,537 7,272,231 168
169 169 75,030,028 6,390,179 882,052 7,272,231 169
170 170 68,570,622 6,459,406 812,825 7,272,231 170
171 171 62,041,240 6,529,383 742,848 7,272,231 171
172 172 55,441,122 6,600,118 672,113 7,272,231 172
173 173 48,769,503 6,671,619 600,612 7,272,231 173
174 174 42,025,608 6,743,895 528,336 7,272,231 174
175 175 35,208,655 6,816,954 455,277 7,272,231 175
176 176 28,317,851 6,890,804 381,427 7,272,231 176
177 177 21,352,396 6,965,454 306,777 7,272,231 177
178 178 14,311,483 7,040,913 231,318 7,272,231 178
179 179 7,194,293 7,117,190 155,041 7,272,231 179
180 180 0 7,194,293 77,938 7,272,231 180
613,335,350 621,502,048 1,234,837,398
CONTOH PERHITUNGAN ANGSURAN (ANUITAS) CONTOH PERHITUNGAN ANGSURAN (A
In Arrear = Angsuran mulai dibayar bulan berikutnya In Arrear = Angsuran mulai dibayar bula
Pinjaman x suku bunga VARIABEL YANG Pinjaman x suku bunga

1 DAPAT DIUBAH
1- Tenor BERTANDA BIRU 1-
(1 + suku bunga)
Ingat! Dalam perhitungan suku bunga harus dibagi 12 Ingat! Dalam perhitungan suku bunga haru
Pokok 613,335,350 Angsuran/Bln 5,861,352.06 Pokok

Tenor (Bln) 180 Tot P+B 1,055,043,370 218,452,106 Tenor (Bln)
Int (eff) 8.00% Tot Bunga 441,708,020 145,027,557 FLAT Int (eff)
73,424,549
Pokok 541,488,112 Angsuran/Bln 7,443,432.27 SISA 3 TAHUN Pokok

Tenor (Bln) 144 Tot P+B 1,071,854,246 1,064,410,814 Tenor (Bln)
Int (eff) 13.00% Tot Bunga 530,366,134 524,500,013 FLOATING Int (eff)
539,910,801
pokok x suku bunga

12
AngKe O/S Pokok AngPokok Angs Bunga Angsuran Bulan AngKe
0 613,335,350 - - 0 0
1 611,562,900 1,772,450 4,088,902 5,861,352 1 1
2 609,778,634 1,784,266 4,077,086 5,861,352 2 2
3 607,982,473 1,796,161 4,065,191 5,861,352 3 3
4 606,174,337 1,808,136 4,053,216 5,861,352 4 4
5 604,354,148 1,820,190 4,041,162 5,861,352 5 5
6 602,521,823 1,832,324 4,029,028 5,861,352 6 6
7 600,677,283 1,844,540 4,016,812 5,861,352 7 7
8 598,820,447 1,856,837 4,004,515 5,861,352 8 8
9 596,951,231 1,869,216 3,992,136 5,861,352 9 9
10 595,069,554 1,881,677 3,979,675 5,861,352 10 10
11 593,175,332 1,894,222 3,967,130 5,861,352 11 11
12 591,268,482 1,906,850 3,954,502 5,861,352 12 12
13 589,348,920 1,919,562 3,941,790 5,861,352 13 13
14 587,416,561 1,932,359 3,928,993 5,861,352 14 14
15 585,471,319 1,945,242 3,916,110 5,861,352 15 15
16 583,513,109 1,958,210 3,903,142 5,861,352 16 16
17 581,541,844 1,971,265 3,890,087 5,861,352 17 17
18 579,557,438 1,984,406 3,876,946 5,861,352 18 18
19 577,559,802 1,997,636 3,863,716 5,861,352 19 19
20 575,548,849 2,010,953 3,850,399 5,861,352 20 20
21 573,524,489 2,024,360 3,836,992 5,861,352 21 21
22 571,486,634 2,037,855 3,823,497 5,861,352 22 22
23 569,435,192 2,051,441 3,809,911 5,861,352 23 23
24 567,370,075 2,065,117 3,796,235 5,861,352 24 24
25 565,291,190 2,078,885 3,782,467 5,861,352 25 25
26 563,198,446 2,092,744 3,768,608 5,861,352 26 26
27 561,091,750 2,106,696 3,754,656 5,861,352 27 27
28 558,971,010 2,120,740 3,740,612 5,861,352 28 28
29 556,836,131 2,134,879 3,726,473 5,861,352 29 29
30 554,687,020 2,149,111 3,712,241 5,861,352 30 30
31 552,523,581 2,163,439 3,697,913 5,861,352 31 31
32 550,345,720 2,177,862 3,683,491 5,861,352 32 32
33 548,153,339 2,192,381 3,668,971 5,861,352 33 33
34 545,946,343 2,206,996 3,654,356 5,861,352 34 34
35 543,724,633 2,221,710 3,639,642 5,861,352 35 35
36 541,488,112 2,236,521 3,624,831 5,861,352 36 36
37 539,910,801 1,577,311 5,866,121 7,443,432 37 37
38 538,316,402 1,594,399 5,849,034 7,443,432 38 38
39 536,704,731 1,611,671 5,831,761 7,443,432 39 39
40 535,075,600 1,629,131 5,814,301 7,443,432 40 40
41 533,428,820 1,646,780 5,796,652 7,443,432 41 41
42 531,764,200 1,664,620 5,778,812 7,443,432 42 42
43 530,081,547 1,682,653 5,760,779 7,443,432 43 43
44 528,380,664 1,700,882 5,742,550 7,443,432 44 44
45 526,661,356 1,719,308 5,724,124 7,443,432 45 45
46 524,923,422 1,737,934 5,705,498 7,443,432 46 46
47 523,166,660 1,756,762 5,686,670 7,443,432 47 47
48 521,390,866 1,775,793 5,667,639 7,443,432 48 48
49 519,595,835 1,795,031 5,648,401 7,443,432 49 49
50 517,781,358 1,814,477 5,628,955 7,443,432 50 50
51 515,947,224 1,834,134 5,609,298 7,443,432 51 51
52 514,093,220 1,854,004 5,589,428 7,443,432 52 52
53 512,219,131 1,874,089 5,569,343 7,443,432 53 53
54 510,324,739 1,894,392 5,549,041 7,443,432 54 54
55 508,409,825 1,914,914 5,528,518 7,443,432 55 55
56 506,474,165 1,935,659 5,507,773 7,443,432 56 56
57 504,517,537 1,956,629 5,486,803 7,443,432 57 57
58 502,539,711 1,977,826 5,465,607 7,443,432 58 58
59 500,540,459 1,999,252 5,444,180 7,443,432 59 59
60 498,519,548 2,020,911 5,422,522 7,443,432 60 60
61 496,476,745 2,042,804 5,400,628 7,443,432 61 61
62 494,411,810 2,064,934 5,378,498 7,443,432 62 62
63 492,324,506 2,087,304 5,356,128 7,443,432 63 63
64 490,214,589 2,109,917 5,333,515 7,443,432 64 64
65 488,081,815 2,132,774 5,310,658 7,443,432 65 65
66 485,925,936 2,155,879 5,287,553 7,443,432 66 66
67 483,746,701 2,179,235 5,264,198 7,443,432 67 67
68 481,543,858 2,202,843 5,240,589 7,443,432 68 68
69 479,317,151 2,226,707 5,216,725 7,443,432 69 69
70 477,066,321 2,250,830 5,192,602 7,443,432 70 70
71 474,791,107 2,275,214 5,168,218 7,443,432 71 71
72 472,491,245 2,299,862 5,143,570 7,443,432 72 72
73 470,166,468 2,324,777 5,118,655 7,443,432 73 73
74 467,816,506 2,349,962 5,093,470 7,443,432 74 74
75 465,441,086 2,375,420 5,068,012 7,443,432 75 75
76 463,039,932 2,401,154 5,042,278 7,443,432 76 76
77 460,612,766 2,427,166 5,016,266 7,443,432 77 77
78 458,159,305 2,453,461 4,989,972 7,443,432 78 78
79 455,679,265 2,480,040 4,963,392 7,443,432 79 79
80 453,172,359 2,506,907 4,936,525 7,443,432 80 80
81 450,638,294 2,534,065 4,909,367 7,443,432 81 81
82 448,076,776 2,561,517 4,881,915 7,443,432 82 82
83 445,487,509 2,589,267 4,854,165 7,443,432 83 83
84 442,870,191 2,617,318 4,826,115 7,443,432 84 84
85 440,224,519 2,645,672 4,797,760 7,443,432 85 85
86 437,550,186 2,674,333 4,769,099 7,443,432 86 86
87 434,846,881 2,703,305 4,740,127 7,443,432 87 87
88 432,114,290 2,732,591 4,710,841 7,443,432 88 88
89 429,352,096 2,762,194 4,681,238 7,443,432 89 89
90 426,559,978 2,792,118 4,651,314 7,443,432 90 90
91 423,737,612 2,822,366 4,621,066 7,443,432 91 91
92 420,884,671 2,852,941 4,590,491 7,443,432 92 92
93 418,000,822 2,883,848 4,559,584 7,443,432 93 93
94 415,085,732 2,915,090 4,528,342 7,443,432 94 94
95 412,139,062 2,946,670 4,496,762 7,443,432 95 95
96 409,160,470 2,978,592 4,464,840 7,443,432 96 96
97 406,149,609 3,010,861 4,432,572 7,443,432 97 97
98 403,106,131 3,043,478 4,399,954 7,443,432 98 98
99 400,029,682 3,076,449 4,366,983 7,443,432 99 99
100 396,919,904 3,109,777 4,333,655 7,443,432 100 100
101 393,776,438 3,143,467 4,299,966 7,443,432 101 101
102 390,598,917 3,177,521 4,265,911 7,443,432 102 102
103 387,386,973 3,211,944 4,231,488 7,443,432 103 103
104 384,140,233 3,246,740 4,196,692 7,443,432 104 104
105 380,858,320 3,281,913 4,161,519 7,443,432 105 105
106 377,540,853 3,317,467 4,125,965 7,443,432 106 106
107 374,187,446 3,353,406 4,090,026 7,443,432 107 107
108 370,797,711 3,389,735 4,053,697 7,443,432 108 108
109 367,371,254 3,426,457 4,016,975 7,443,432 109 109
110 363,907,677 3,463,577 3,979,855 7,443,432 110 110
111 360,406,578 3,501,099 3,942,333 7,443,432 111 111
112 356,867,550 3,539,028 3,904,405 7,443,432 112 112
113 353,290,183 3,577,367 3,866,065 7,443,432 113 113
114 349,674,061 3,616,122 3,827,310 7,443,432 114 114
115 346,018,765 3,655,297 3,788,136 7,443,432 115 115
116 342,323,869 3,694,896 3,748,537 7,443,432 116 116
117 338,588,945 3,734,924 3,708,509 7,443,432 117 117
118 334,813,560 3,775,385 3,668,047 7,443,432 118 118
119 330,997,275 3,816,285 3,627,147 7,443,432 119 119
120 327,139,646 3,857,628 3,585,804 7,443,432 120 120
121 323,240,227 3,899,419 3,544,013 7,443,432 121 121
122 319,298,564 3,941,663 3,501,769 7,443,432 122 122
123 315,314,199 3,984,364 3,459,068 7,443,432 123 123
124 311,286,671 4,027,528 3,415,904 7,443,432 124 124
125 307,215,511 4,071,160 3,372,272 7,443,432 125 125
126 303,100,246 4,115,264 3,328,168 7,443,432 126 126
127 298,940,400 4,159,846 3,283,586 7,443,432 127 127
128 294,735,489 4,204,911 3,238,521 7,443,432 128 128
129 290,485,024 4,250,464 3,192,968 7,443,432 129 129
130 286,188,513 4,296,511 3,146,921 7,443,432 130 130
131 281,845,457 4,343,057 3,100,376 7,443,432 131 131
132 277,455,350 4,390,106 3,053,326 7,443,432 132 132
133 273,017,684 4,437,666 3,005,766 7,443,432 133 133
134 268,531,943 4,485,741 2,957,692 7,443,432 134 134
135 263,997,607 4,534,336 2,909,096 7,443,432 135 135
136 259,414,149 4,583,458 2,859,974 7,443,432 136 136
137 254,781,037 4,633,112 2,810,320 7,443,432 137 137
138 250,097,732 4,683,304 2,760,128 7,443,432 138 138
139 245,363,692 4,734,040 2,709,392 7,443,432 139 139
140 240,578,367 4,785,326 2,658,107 7,443,432 140 140
141 235,741,200 4,837,167 2,606,266 7,443,432 141 141
142 230,851,631 4,889,569 2,553,863 7,443,432 142 142
143 225,909,091 4,942,540 2,500,893 7,443,432 143 143
144 220,913,007 4,996,084 2,447,348 7,443,432 144 144
145 215,862,799 5,050,208 2,393,224 7,443,432 145 145
146 210,757,881 5,104,919 2,338,514 7,443,432 146 146
147 205,597,659 5,160,222 2,283,210 7,443,432 147 147
148 200,381,535 5,216,124 2,227,308 7,443,432 148 148
149 195,108,902 5,272,632 2,170,800 7,443,432 149 149
150 189,779,150 5,329,752 2,113,680 7,443,432 150 150
151 184,391,658 5,387,491 2,055,941 7,443,432 151 151
152 178,945,802 5,445,856 1,997,576 7,443,432 152 152
153 173,440,950 5,504,853 1,938,580 7,443,432 153 153
154 167,876,461 5,564,489 1,878,944 7,443,432 154 154
155 162,251,690 5,624,771 1,818,662 7,443,432 155 155
156 156,565,985 5,685,706 1,757,727 7,443,432 156 156
157 150,818,684 5,747,301 1,696,132 7,443,432 157 157
158 145,009,121 5,809,563 1,633,869 7,443,432 158 158
159 139,136,621 5,872,500 1,570,932 7,443,432 159 159
160 133,200,502 5,936,119 1,507,313 7,443,432 160 160
161 127,200,075 6,000,427 1,443,005 7,443,432 161 161
162 121,134,643 6,065,431 1,378,001 7,443,432 162 162
163 115,003,503 6,131,140 1,312,292 7,443,432 163 163
164 108,805,942 6,197,561 1,245,871 7,443,432 164 164
165 102,541,241 6,264,701 1,178,731 7,443,432 165 165
166 96,208,672 6,332,569 1,110,863 7,443,432 166 166
167 89,807,500 6,401,172 1,042,261 7,443,432 167 167
168 83,336,983 6,470,518 972,915 7,443,432 168 168
169 76,796,368 6,540,615 902,817 7,443,432 169 169
170 70,184,896 6,611,472 831,961 7,443,432 170 170
171 63,501,800 6,683,096 760,336 7,443,432 171 171
172 56,746,304 6,755,496 687,936 7,443,432 172 172
173 49,917,624 6,828,681 614,752 7,443,432 173 173
174 43,014,966 6,902,658 540,774 7,443,432 174 174
175 36,037,529 6,977,437 465,995 7,443,432 175 175
176 28,984,503 7,053,026 390,407 7,443,432 176 176
177 21,855,070 7,129,433 313,999 7,443,432 177 177
178 14,648,401 7,206,669 236,763 7,443,432 178 178
179 7,363,659 7,284,741 158,691 7,443,432 179 179
180 0 7,363,659 79,773 7,443,432 180 180
7,443,432 0 1,282,862,920
PERHITUNGAN ANGSURAN (ANUITAS)
In Arrear = Angsuran mulai dibayar bulan berikutnya In Advance =angsuran dibayar pada saat awal (DP dibayar)

1 DAPAT DIUBAH 1- 1 X (1+suku bunga)
Tenor BERTANDA BIRU (1+suku bunga) Tenor
(1 + suku bunga)
613,335,350 Angsuran/Bln 5,598,910.75 Pokok 613,335,350 Angsuran/Bln

180 Tot P+B 1,007,803,934 208,948,703 Tenor (Bln) 180 Tot P+B
7.25% Tot Bunga 394,468,584 131,497,246 Int (eff) 8.00% Tot Bunga
77,451,456
537,449,441 Angsuran/Bln 7,387,915.67

144 Tot P+B 1,063,859,857 1,056,471,941
13.00% Tot Bunga 526,410,416 520,588,047
535,883,894
pokok x suku bunga

12
O/S Pokok AngPokok Angs Bunga Angsuran AngKe O/S Pokok AngPokok
613,335,350 - - 1 607,512,815 5,822,535

611,442,007 1,893,343 3,705,568 5,598,911 2 605,740,365 1,772,450
609,537,225 1,904,782 3,694,129 5,598,911 3 603,956,099 1,784,266
607,620,935 1,916,290 3,682,621 5,598,911 4 602,159,938 1,796,161
605,693,067 1,927,868 3,671,043 5,598,911 5 600,351,802 1,808,136
603,753,552 1,939,515 3,659,396 5,598,911 6 598,531,613 1,820,190
601,802,319 1,951,233 3,647,678 5,598,911 7 596,699,288 1,832,324
599,839,298 1,963,022 3,635,889 5,598,911 8 594,854,748 1,844,540
597,864,416 1,974,882 3,624,029 5,598,911 9 592,997,911 1,856,837
595,877,603 1,986,813 3,612,098 5,598,911 10 591,128,696 1,869,216
593,878,786 1,998,817 3,600,094 5,598,911 11 589,247,018 1,881,677
591,867,893 2,010,893 3,588,018 5,598,911 12 587,352,797 1,894,222
589,844,850 2,023,042 3,575,869 5,598,911 13 585,445,947 1,906,850
587,809,586 2,035,265 3,563,646 5,598,911 14 583,526,385 1,919,562
585,762,024 2,047,561 3,551,350 5,598,911 15 581,594,025 1,932,359
583,702,093 2,059,932 3,538,979 5,598,911 16 579,648,784 1,945,242
581,629,715 2,072,377 3,526,533 5,598,911 17 577,690,574 1,958,210
579,544,817 2,084,898 3,514,013 5,598,911 18 575,719,309 1,971,265
577,447,323 2,097,494 3,501,417 5,598,911 19 573,734,903 1,984,406
575,337,157 2,110,167 3,488,744 5,598,911 20 571,737,267 1,997,636
573,214,241 2,122,915 3,475,995 5,598,911 21 569,726,314 2,010,953
571,078,500 2,135,741 3,463,169 5,598,911 22 567,701,954 2,024,360
568,929,855 2,148,645 3,450,266 5,598,911 23 565,664,098 2,037,855
566,768,229 2,161,626 3,437,285 5,598,911 24 563,612,657 2,051,441
564,593,543 2,174,686 3,424,225 5,598,911 25 561,547,540 2,065,117
562,405,718 2,187,825 3,411,086 5,598,911 26 559,468,655 2,078,885
560,204,675 2,201,043 3,397,868 5,598,911 27 557,375,911 2,092,744
557,990,335 2,214,341 3,384,570 5,598,911 28 555,269,215 2,106,696
555,762,615 2,227,719 3,371,192 5,598,911 29 553,148,475 2,120,740
553,521,437 2,241,178 3,357,732 5,598,911 30 551,013,596 2,134,879
551,266,718 2,254,719 3,344,192 5,598,911 31 548,864,485 2,149,111
548,998,377 2,268,341 3,330,570 5,598,911 32 546,701,046 2,163,439
546,716,332 2,282,046 3,316,865 5,598,911 33 544,523,185 2,177,862
544,420,499 2,295,833 3,303,078 5,598,911 34 542,330,804 2,192,381
542,110,795 2,309,704 3,289,207 5,598,911 35 540,123,808 2,206,996
539,787,137 2,323,658 3,275,253 5,598,911 36 537,902,098 2,221,710
537,449,441 2,337,697 3,261,214 5,598,911 37 535,665,577 2,236,521
535,883,894 1,565,547 5,822,369 7,387,916 38 533,414,145 2,251,431
534,301,387 1,582,507 5,805,409 7,387,916 39 531,147,705 2,266,441
532,701,736 1,599,651 5,788,265 7,387,916 40 528,866,154 2,281,550
531,084,756 1,616,980 5,770,935 7,387,916 41 526,569,393 2,296,761
529,450,259 1,634,497 5,753,418 7,387,916 42 524,257,321 2,312,073
527,798,054 1,652,205 5,735,711 7,387,916 43 521,929,834 2,327,486
526,127,951 1,670,103 5,717,812 7,387,916 44 519,586,832 2,343,003
524,439,755 1,688,196 5,699,719 7,387,916 45 517,228,209 2,358,623
522,733,270 1,706,485 5,681,431 7,387,916 46 514,853,861 2,374,347
521,008,298 1,724,972 5,662,944 7,387,916 47 512,463,685 2,390,176
519,264,639 1,743,659 5,644,257 7,387,916 48 510,057,575 2,406,111
517,502,090 1,762,549 5,625,367 7,387,916 49 507,635,424 2,422,151
515,720,447 1,781,643 5,606,273 7,387,916 50 505,197,125 2,438,299
513,919,503 1,800,944 5,586,972 7,387,916 51 502,742,570 2,454,554
512,099,048 1,820,454 5,567,461 7,387,916 52 500,271,652 2,470,918
510,258,872 1,840,176 5,547,740 7,387,916 53 497,784,261 2,487,391
508,398,761 1,860,111 5,527,804 7,387,916 54 495,280,288 2,503,973
506,518,499 1,880,262 5,507,653 7,387,916 55 492,759,621 2,520,667
504,617,867 1,900,632 5,487,284 7,387,916 56 490,222,150 2,537,471
502,696,645 1,921,222 5,466,694 7,387,916 57 487,667,763 2,554,387
500,754,609 1,942,035 5,445,880 7,387,916 58 485,096,346 2,571,417
498,791,535 1,963,074 5,424,842 7,387,916 59 482,507,787 2,588,560
496,807,194 1,984,341 5,403,575 7,387,916 60 479,901,970 2,605,817
494,801,357 2,005,838 5,382,078 7,387,916
492,773,789 2,027,568 5,360,348 7,387,916 61 477,278,781 2,623,189
490,724,256 2,049,533 5,338,383 7,387,916 62 474,638,105 2,640,677
488,652,520 2,071,736 5,316,179 7,387,916 63 471,979,824 2,658,281
486,558,340 2,094,180 5,293,736 7,387,916 64 469,303,821 2,676,003
484,441,473 2,116,867 5,271,049 7,387,916 65 466,609,978 2,693,843
482,301,673 2,139,800 5,248,116 7,387,916 66 463,898,176 2,711,802
480,138,692 2,162,981 5,224,935 7,387,916 67 461,168,295 2,729,881
477,952,279 2,186,413 5,201,502 7,387,916 68 458,420,215 2,748,080
475,742,180 2,210,099 5,177,816 7,387,916 69 455,653,815 2,766,400
473,508,138 2,234,042 5,153,874 7,387,916 70 452,868,972 2,784,843
471,249,893 2,258,244 5,129,671 7,387,916 71 450,065,563 2,803,409
468,967,185 2,282,708 5,105,207 7,387,916 72 447,243,465 2,822,098
466,659,747 2,307,438 5,080,478 7,387,916 73 444,402,553 2,840,912
464,327,312 2,332,435 5,055,481 7,387,916 74 441,542,701 2,859,851
461,969,609 2,357,703 5,030,213 7,387,916 75 438,663,784 2,878,917
459,586,364 2,383,245 5,004,671 7,387,916 76 435,765,674 2,898,110
457,177,301 2,409,063 4,978,852 7,387,916 77 432,848,244 2,917,431
454,742,139 2,435,162 4,952,754 7,387,916 78 429,911,363 2,936,880
452,280,597 2,461,542 4,926,373 7,387,916 79 426,954,904 2,956,459
449,792,387 2,488,209 4,899,706 7,387,916 80 423,978,735 2,976,169
447,277,223 2,515,165 4,872,751 7,387,916 81 420,982,725 2,996,010
444,734,810 2,542,412 4,845,503 7,387,916 82 417,966,741 3,015,984
442,164,855 2,569,955 4,817,960 7,387,916 83 414,930,651 3,036,090
439,567,059 2,597,796 4,790,119 7,387,916 84 411,874,320 3,056,331
436,941,119 2,625,939 4,761,976 7,387,916 85 408,797,614 3,076,706
434,286,732 2,654,387 4,733,529 7,387,916 86 405,700,396 3,097,218
431,603,590 2,683,143 4,704,773 7,387,916 87 402,582,530 3,117,866
428,891,380 2,712,210 4,675,706 7,387,916 88 399,443,878 3,138,652
426,149,787 2,741,592 4,646,323 7,387,916 89 396,284,302 3,159,576
423,378,494 2,771,293 4,616,623 7,387,916 90 393,103,663 3,180,640
420,577,179 2,801,315 4,586,600 7,387,916 91 389,901,819 3,201,844
417,745,516 2,831,663 4,556,253 7,387,916 92 386,678,629 3,223,190
414,883,177 2,862,339 4,525,576 7,387,916 93 383,433,951 3,244,678
411,989,829 2,893,348 4,494,568 7,387,916 94 380,167,642 3,266,309
409,065,136 2,924,693 4,463,223 7,387,916 95 376,879,558 3,288,084
406,108,760 2,956,377 4,431,539 7,387,916 96 373,569,554 3,310,005
403,120,355 2,988,404 4,399,512 7,387,916 97 370,237,482 3,332,071
400,099,577 3,020,778 4,367,137 7,387,916 98 366,883,197 3,354,285
397,046,073 3,053,504 4,334,412 7,387,916 99 363,506,550 3,376,647
393,959,490 3,086,583 4,301,332 7,387,916 100 360,107,391 3,399,158
390,839,469 3,120,021 4,267,894 7,387,916 101 356,685,572 3,421,819
387,685,648 3,153,821 4,234,094 7,387,916 102 353,240,941 3,444,631
384,497,660 3,187,988 4,199,928 7,387,916 103 349,773,345 3,467,596
381,275,135 3,222,524 4,165,391 7,387,916 104 346,282,632 3,490,713
378,017,700 3,257,435 4,130,481 7,387,916 105 342,768,648 3,513,984
374,724,976 3,292,724 4,095,192 7,387,916 106 339,231,237 3,537,411
371,396,581 3,328,395 4,059,521 7,387,916 107 335,670,244 3,560,994
368,032,129 3,364,453 4,023,463 7,387,916 108 332,085,510 3,584,734
364,631,228 3,400,901 3,987,015 7,387,916 109 328,476,879 3,608,632
361,193,484 3,437,744 3,950,172 7,387,916 110 324,844,189 3,632,689
357,718,497 3,474,986 3,912,929 7,387,916 111 321,187,282 3,656,907
354,205,865 3,512,632 3,875,284 7,387,916 112 317,505,995 3,681,287
350,655,180 3,550,685 3,837,230 7,387,916 113 313,800,167 3,705,829
347,066,029 3,589,151 3,798,764 7,387,916 114 310,069,633 3,730,534
343,437,995 3,628,034 3,759,882 7,387,916 115 306,314,229 3,755,404
339,770,658 3,667,337 3,720,578 7,387,916 116 302,533,788 3,780,440
336,063,591 3,707,067 3,680,849 7,387,916 117 298,728,145 3,805,643
332,316,364 3,747,227 3,640,689 7,387,916 118 294,897,131 3,831,014
328,528,542 3,787,822 3,600,094 7,387,916 119 291,040,577 3,856,554
324,699,686 3,828,856 3,559,059 7,387,916 120 287,158,312 3,882,265
320,829,350 3,870,336 3,517,580 7,387,916 326,177,038
316,917,086 3,912,264 3,475,651 7,387,916
312,962,439 3,954,647 3,433,268 7,387,916
308,964,949 3,997,489 3,390,426 7,387,916
304,924,154 4,040,795 3,347,120 7,387,916
300,839,583 4,084,571 3,303,345 7,387,916
296,710,763 4,128,820 3,259,095 7,387,916
292,537,214 4,173,549 3,214,367 7,387,916
288,318,451 4,218,763 3,169,153 7,387,916
284,053,986 4,264,466 3,123,450 7,387,916
279,743,321 4,310,664 3,077,252 7,387,916
275,385,958 4,357,363 3,030,553 7,387,916
270,981,391 4,404,568 2,983,348 7,387,916
266,529,107 4,452,284 2,935,632 7,387,916
262,028,590 4,500,517 2,887,399 7,387,916
257,479,317 4,549,273 2,838,643 7,387,916
252,880,761 4,598,556 2,789,359 7,387,916
248,232,387 4,648,374 2,739,542 7,387,916
243,533,655 4,698,731 2,689,184 7,387,916
238,784,021 4,749,634 2,638,281 7,387,916
233,982,932 4,801,089 2,586,827 7,387,916
229,129,831 4,853,101 2,534,815 7,387,916
224,224,156 4,905,676 2,482,240 7,387,916
219,265,335 4,958,821 2,429,095 7,387,916
214,252,794 5,012,541 2,375,374 7,387,916
209,185,950 5,066,844 2,321,072 7,387,916
204,064,215 5,121,735 2,266,181 7,387,916
198,886,995 5,177,220 2,210,696 7,387,916
193,653,689 5,233,307 2,154,609 7,387,916
188,363,688 5,290,001 2,097,915 7,387,916
183,016,379 5,347,309 2,040,607 7,387,916
177,611,141 5,405,238 1,982,677 7,387,916
172,147,346 5,463,795 1,924,121 7,387,916
166,624,360 5,522,986 1,864,930 7,387,916
161,041,541 5,582,818 1,805,097 7,387,916
155,398,242 5,643,299 1,744,617 7,387,916
149,693,808 5,704,435 1,683,481 7,387,916
143,927,575 5,766,233 1,621,683 7,387,916
138,098,875 5,828,700 1,559,215 7,387,916
132,207,030 5,891,845 1,496,071 7,387,916
126,251,357 5,955,673 1,432,243 7,387,916
120,231,165 6,020,193 1,367,723 7,387,916
114,145,753 6,085,411 1,302,504 7,387,916
107,994,417 6,151,337 1,236,579 7,387,916
101,776,440 6,217,976 1,169,940 7,387,916
95,491,103 6,285,338 1,102,578 7,387,916
89,137,674 6,353,429 1,034,487 7,387,916
82,715,417 6,422,258 965,658 7,387,916
76,223,585 6,491,832 896,084 7,387,916
69,661,424 6,562,160 825,755 7,387,916
63,028,174 6,633,250 754,665 7,387,916
56,323,064 6,705,110 682,805 7,387,916
49,545,315 6,777,749 610,167 7,387,916
42,694,140 6,851,175 536,741 7,387,916
35,768,744 6,925,396 462,520 7,387,916
28,768,323 7,000,421 387,495 7,387,916
21,692,064 7,076,259 311,657 7,387,916
14,539,146 7,152,918 234,997 7,387,916
7,308,738 7,230,408 157,507 7,387,916
(0) 7,308,738 79,178 7,387,916
7,387,916 (0) 1,265,420,643
r pada saat awal (DP dibayar)
X (1+suku bunga)
bunga harus dibagi 12
5,822,535
1,048,056,328
434,720,978
pokok x suku bunga

12
Bunga Angsuran
- 5,822,535
4,050,085 5,822,535
4,038,269 5,822,535
4,026,374 5,822,535
4,014,400 5,822,535
4,002,345 5,822,535
3,990,211 5,822,535
3,977,995 5,822,535
3,965,698 5,822,535
3,953,319 5,822,535
3,940,858 5,822,535
3,928,313 5,822,535
3,915,685 5,822,535
3,902,973 5,822,535
3,890,176 5,822,535
3,877,294 5,822,535
3,864,325 5,822,535
3,851,270 5,822,535
3,838,129 5,822,535
3,824,899 5,822,535
3,811,582 5,822,535
3,798,175 5,822,535
3,784,680 5,822,535
3,771,094 5,822,535
3,757,418 5,822,535
3,743,650 5,822,535
3,729,791 5,822,535
3,715,839 5,822,535
3,701,795 5,822,535
3,687,656 5,822,535
3,673,424 5,822,535
3,659,097 5,822,535
3,644,674 5,822,535
3,630,155 5,822,535
3,615,539 5,822,535
3,600,825 5,822,535
3,586,014 5,822,535
3,571,104 5,822,535
3,556,094 5,822,535
3,540,985 5,822,535
3,525,774 5,822,535
3,510,463 5,822,535
3,495,049 5,822,535
3,479,532 5,822,535
3,463,912 5,822,535
3,448,188 5,822,535
3,432,359 5,822,535
3,416,425 5,822,535
3,400,384 5,822,535
3,384,236 5,822,535
3,367,981 5,822,535
3,351,617 5,822,535
3,335,144 5,822,535
3,318,562 5,822,535
3,301,869 5,822,535
3,285,064 5,822,535
3,268,148 5,822,535
3,251,118 5,822,535
3,233,976 5,822,535
3,216,719 5,822,535
3,199,346 5,822,535
3,181,859 5,822,535
3,164,254 5,822,535
3,146,532 5,822,535
3,128,692 5,822,535
3,110,733 5,822,535
3,092,655 5,822,535
3,074,455 5,822,535
3,056,135 5,822,535
3,037,692 5,822,535
3,019,126 5,822,535
3,000,437 5,822,535
2,981,623 5,822,535
2,962,684 5,822,535
2,943,618 5,822,535
2,924,425 5,822,535
2,905,104 5,822,535
2,885,655 5,822,535
2,866,076 5,822,535
2,846,366 5,822,535
2,826,525 5,822,535
2,806,551 5,822,535
2,786,445 5,822,535
2,766,204 5,822,535
2,745,829 5,822,535
2,725,317 5,822,535
2,704,669 5,822,535
2,683,884 5,822,535
2,662,959 5,822,535
2,641,895 5,822,535
2,620,691 5,822,535
2,599,345 5,822,535
2,577,858 5,822,535
2,556,226 5,822,535
2,534,451 5,822,535
2,512,530 5,822,535
2,490,464 5,822,535
2,468,250 5,822,535
2,445,888 5,822,535
2,423,377 5,822,535
2,400,716 5,822,535
2,377,904 5,822,535
2,354,940 5,822,535
2,331,822 5,822,535
2,308,551 5,822,535
2,285,124 5,822,535
2,261,542 5,822,535
2,237,802 5,822,535
2,213,903 5,822,535
2,189,846 5,822,535
2,165,628 5,822,535
2,141,249 5,822,535
2,116,707 5,822,535
2,092,001 5,822,535
2,067,131 5,822,535
2,042,095 5,822,535
2,016,892 5,822,535
1,991,521 5,822,535
1,965,981 5,822,535
1,940,271 5,822,535
372,527,181 698,704,219

Angsuran / bln

1 DAPAT DIUBAH
(1 + suku bunga)

Tenor (Bln) 240 Tot P+B 1,353,570,149 338,392,537
77,027,029

Tenor (Bln) 180 Tot P+B 1,303,574,409 869,049,606
254,096,676
pokok x suku bunga

12
0 0 649,413,900 - - 0
1 1 648,379,451 1,034,449 4,605,427 5,639,876 1
2 2 647,337,667 1,041,785 4,598,091 5,639,876 2
3 3 646,288,494 1,049,173 4,590,703 5,639,876 3
4 4 645,231,881 1,056,613 4,583,263 5,639,876 4
5 5 644,167,775 1,064,106 4,575,769 5,639,876 5
6 6 643,096,122 1,071,652 4,568,223 5,639,876 6
7 7 642,016,870 1,079,252 4,560,623 5,639,876 7
8 8 640,929,964 1,086,906 4,552,970 5,639,876 8
9 9 639,835,350 1,094,614 4,545,262 5,639,876 9
10 10 638,732,973 1,102,377 4,537,499 5,639,876 10
11 11 637,622,779 1,110,194 4,529,681 5,639,876 11
12 12 636,504,712 1,118,067 4,521,808 5,639,876 12
13 13 635,378,715 1,125,996 4,513,879 5,639,876 13
14 14 634,244,734 1,133,982 4,505,894 5,639,876 14
15 15 633,102,710 1,142,023 4,497,852 5,639,876 15
16 16 631,952,588 1,150,122 4,489,753 5,639,876 16
17 17 630,794,310 1,158,279 4,481,597 5,639,876 17
18 18 629,627,817 1,166,493 4,473,383 5,639,876 18
19 19 628,453,052 1,174,765 4,465,111 5,639,876 19
20 20 627,269,956 1,183,096 4,456,780 5,639,876 20
21 21 626,078,470 1,191,486 4,448,389 5,639,876 21
22 22 624,878,534 1,199,936 4,439,940 5,639,876 22
23 23 623,670,089 1,208,445 4,431,430 5,639,876 23
24 24 622,453,073 1,217,015 4,422,860 5,639,876 24
25 25 621,227,427 1,225,646 4,414,230 5,639,876 25
26 26 619,993,090 1,234,338 4,405,538 5,639,876 26
27 27 618,749,998 1,243,091 4,396,784 5,639,876 27
28 28 617,498,091 1,251,907 4,387,969 5,639,876 28
29 29 616,237,306 1,260,785 4,379,091 5,639,876 29
30 30 614,967,580 1,269,726 4,370,150 5,639,876 30
31 31 613,688,850 1,278,731 4,361,145 5,639,876 31
32 32 612,401,051 1,287,799 4,352,077 5,639,876 32
33 33 611,104,120 1,296,931 4,342,944 5,639,876 33
34 34 609,797,991 1,306,129 4,333,747 5,639,876 34
35 35 608,482,599 1,315,392 4,324,484 5,639,876 35
36 36 607,157,879 1,324,720 4,315,156 5,639,876 36
37 37 605,823,765 1,334,114 4,305,761 5,639,876 37
38 38 604,480,190 1,343,575 4,296,300 5,639,876 38
39 39 603,127,086 1,353,104 4,286,772 5,639,876 39
40 40 601,764,387 1,362,699 4,277,176 5,639,876 40
41 41 600,392,023 1,372,363 4,267,512 5,639,876 41
42 42 599,009,928 1,382,096 4,257,780 5,639,876 42
43 43 597,618,031 1,391,897 4,247,979 5,639,876 43
44 44 596,216,263 1,401,768 4,238,108 5,639,876 44
45 45 594,804,555 1,411,709 4,228,167 5,639,876 45
46 46 593,382,835 1,421,720 4,218,156 5,639,876 46
47 47 591,951,032 1,431,802 4,208,073 5,639,876 47
48 48 590,509,076 1,441,956 4,197,919 5,639,876 48
49 49 589,056,894 1,452,182 4,187,694 5,639,876 49
50 50 587,594,413 1,462,480 4,177,395 5,639,876 50
51 51 586,121,562 1,472,852 4,167,024 5,639,876 51
52 52 584,638,265 1,483,297 4,156,579 5,639,876 52
53 53 583,144,449 1,493,816 4,146,060 5,639,876 53
54 54 581,640,039 1,504,410 4,135,466 5,639,876 54
55 55 580,124,961 1,515,078 4,124,797 5,639,876 55
56 56 578,599,138 1,525,823 4,114,053 5,639,876 56
57 57 577,062,495 1,536,643 4,103,232 5,639,876 57
58 58 575,514,954 1,547,541 4,092,335 5,639,876 58
59 59 573,956,439 1,558,515 4,081,360 5,639,876 59
60 60 572,386,871 1,569,568 4,070,308 5,639,876 60
61 61 571,345,648 1,041,222 6,200,858 7,242,080 61
62 62 570,293,146 1,052,502 6,189,578 7,242,080 62
63 63 569,229,242 1,063,904 6,178,176 7,242,080 63
64 64 568,153,812 1,075,430 6,166,650 7,242,080 64
65 65 567,066,732 1,087,080 6,155,000 7,242,080 65
66 66 565,967,874 1,098,857 6,143,223 7,242,080 66
67 67 564,857,113 1,110,761 6,131,319 7,242,080 67
68 68 563,734,318 1,122,795 6,119,285 7,242,080 68
69 69 562,599,360 1,134,958 6,107,122 7,242,080 69
70 70 561,452,106 1,147,254 6,094,826 7,242,080 70
71 71 560,292,424 1,159,682 6,082,398 7,242,080 71
72 72 559,120,179 1,172,245 6,069,835 7,242,080 72
73 73 557,935,234 1,184,945 6,057,135 7,242,080 73
74 74 556,737,452 1,197,782 6,044,298 7,242,080 74
75 75 555,526,695 1,210,758 6,031,322 7,242,080 75
76 76 554,302,820 1,223,874 6,018,206 7,242,080 76
77 77 553,065,688 1,237,133 6,004,947 7,242,080 77
78 78 551,815,153 1,250,535 5,991,545 7,242,080 78
79 79 550,551,070 1,264,083 5,977,997 7,242,080 79
80 80 549,273,293 1,277,777 5,964,303 7,242,080 80
81 81 547,981,674 1,291,619 5,950,461 7,242,080 81
82 82 546,676,062 1,305,612 5,936,468 7,242,080 82
83 83 545,356,306 1,319,756 5,922,324 7,242,080 83
84 84 544,022,252 1,334,053 5,908,027 7,242,080 84
85 85 542,673,747 1,348,506 5,893,574 7,242,080 85
86 86 541,310,632 1,363,114 5,878,966 7,242,080 86
87 87 539,932,751 1,377,882 5,864,199 7,242,080 87
88 88 538,539,942 1,392,809 5,849,271 7,242,080 88
89 89 537,132,045 1,407,897 5,834,183 7,242,080 89
90 90 535,708,895 1,423,150 5,818,930 7,242,080 90
91 91 534,270,328 1,438,567 5,803,513 7,242,080 91
92 92 532,816,177 1,454,151 5,787,929 7,242,080 92
93 93 531,346,272 1,469,905 5,772,175 7,242,080 93
94 94 529,860,443 1,485,829 5,756,251 7,242,080 94
95 95 528,358,518 1,501,925 5,740,155 7,242,080 95
96 96 526,840,322 1,518,196 5,723,884 7,242,080 96
97 97 525,305,679 1,534,643 5,707,437 7,242,080 97
98 98 523,754,410 1,551,269 5,690,812 7,242,080 98
99 99 522,186,336 1,568,074 5,674,006 7,242,080 99
100 100 520,601,275 1,585,061 5,657,019 7,242,080 100
101 101 518,999,042 1,602,233 5,639,847 7,242,080 101
102 102 517,379,452 1,619,590 5,622,490 7,242,080 102
103 103 515,742,316 1,637,136 5,604,944 7,242,080 103
104 104 514,087,444 1,654,872 5,587,208 7,242,080 104
105 105 512,414,644 1,672,799 5,569,281 7,242,080 105
106 106 510,723,723 1,690,921 5,551,159 7,242,080 106
107 107 509,014,483 1,709,240 5,532,840 7,242,080 107
108 108 507,286,727 1,727,756 5,514,324 7,242,080 108
109 109 505,540,253 1,746,474 5,495,606 7,242,080 109
110 110 503,774,859 1,765,394 5,476,686 7,242,080 110
111 111 501,990,340 1,784,519 5,457,561 7,242,080 111
112 112 500,186,489 1,803,851 5,438,229 7,242,080 112
113 113 498,363,096 1,823,393 5,418,687 7,242,080 113
114 114 496,519,949 1,843,147 5,398,934 7,242,080 114
115 115 494,656,835 1,863,114 5,378,966 7,242,080 115
116 116 492,773,537 1,883,298 5,358,782 7,242,080 116
117 117 490,869,837 1,903,700 5,338,380 7,242,080 117
118 118 488,945,514 1,924,323 5,317,757 7,242,080 118
119 119 487,000,344 1,945,170 5,296,910 7,242,080 119
120 120 485,034,101 1,966,243 5,275,837 7,242,080 120
121 121 483,046,557 1,987,544 5,254,536 7,242,080 121
122 122 481,037,481 2,009,076 5,233,004 7,242,080 122
123 123 479,006,640 2,030,841 5,211,239 7,242,080 123
124 124 476,953,799 2,052,841 5,189,239 7,242,080 124
125 125 474,878,718 2,075,081 5,166,999 7,242,080 125
126 126 472,781,158 2,097,561 5,144,519 7,242,080 126
127 127 470,660,874 2,120,284 5,121,796 7,242,080 127
128 128 468,517,620 2,143,254 5,098,826 7,242,080 128
129 129 466,351,147 2,166,473 5,075,608 7,242,080 129
130 130 464,161,204 2,189,943 5,052,137 7,242,080 130
131 131 461,947,537 2,213,667 5,028,413 7,242,080 131
132 132 459,709,889 2,237,648 5,004,432 7,242,080 132
133 133 457,447,999 2,261,890 4,980,190 7,242,080 133
134 134 455,161,606 2,286,393 4,955,687 7,242,080 134
135 135 452,850,443 2,311,163 4,930,917 7,242,080 135
136 136 450,514,243 2,336,200 4,905,880 7,242,080 136
137 137 448,152,734 2,361,509 4,880,571 7,242,080 137
138 138 445,765,642 2,387,092 4,854,988 7,242,080 138
139 139 443,352,690 2,412,952 4,829,128 7,242,080 139
140 140 440,913,597 2,439,093 4,802,987 7,242,080 140
141 141 438,448,081 2,465,516 4,776,564 7,242,080 141
142 142 435,955,855 2,492,226 4,749,854 7,242,080 142
143 143 433,436,630 2,519,225 4,722,855 7,242,080 143
144 144 430,890,114 2,546,517 4,695,563 7,242,080 144
145 145 428,316,010 2,574,104 4,667,976 7,242,080 145
146 146 425,714,020 2,601,990 4,640,090 7,242,080 146
147 147 423,083,842 2,630,178 4,611,902 7,242,080 147
148 148 420,425,170 2,658,672 4,583,408 7,242,080 148
149 149 417,737,696 2,687,474 4,554,606 7,242,080 149
150 150 415,021,108 2,716,588 4,525,492 7,242,080 150
151 151 412,275,090 2,746,018 4,496,062 7,242,080 151
152 152 409,499,323 2,775,767 4,466,313 7,242,080 152
153 153 406,693,486 2,805,837 4,436,243 7,242,080 153
154 154 403,857,252 2,836,234 4,405,846 7,242,080 154
155 155 400,990,292 2,866,960 4,375,120 7,242,080 155
156 156 398,092,273 2,898,019 4,344,061 7,242,080 156
157 157 395,162,860 2,929,414 4,312,666 7,242,080 157
158 158 392,201,711 2,961,149 4,280,931 7,242,080 158
159 159 389,208,482 2,993,228 4,248,852 7,242,080 159
160 160 386,182,828 3,025,655 4,216,425 7,242,080 160
161 161 383,124,395 3,058,433 4,183,647 7,242,080 161
162 162 380,032,829 3,091,566 4,150,514 7,242,080 162
163 163 376,907,771 3,125,058 4,117,022 7,242,080 163
164 164 373,748,859 3,158,913 4,083,168 7,242,080 164
165 165 370,555,725 3,193,134 4,048,946 7,242,080 165
166 166 367,327,998 3,227,726 4,014,354 7,242,080 166
167 167 364,065,305 3,262,693 3,979,387 7,242,080 167
168 168 360,767,266 3,298,039 3,944,041 7,242,080 168
169 169 357,433,498 3,333,768 3,908,312 7,242,080 169
170 170 354,063,614 3,369,884 3,872,196 7,242,080 170
171 171 350,657,223 3,406,391 3,835,689 7,242,080 171
172 172 347,213,930 3,443,293 3,798,787 7,242,080 172
173 173 343,733,334 3,480,596 3,761,484 7,242,080 173
174 174 340,215,031 3,518,302 3,723,778 7,242,080 174
175 175 336,658,614 3,556,417 3,685,663 7,242,080 175
176 176 333,063,669 3,594,945 3,647,135 7,242,080 176
177 177 329,429,779 3,633,890 3,608,190 7,242,080 177
178 178 325,756,521 3,673,257 3,568,823 7,242,080 178
179 179 322,043,470 3,713,051 3,529,029 7,242,080 179
180 180 318,290,195 3,753,276 3,488,804 7,242,080 180
181 181 314,496,258 3,793,936 3,448,144 7,242,080
182 182 310,661,221 3,835,037 3,407,043 7,242,080
183 183 306,784,638 3,876,583 3,365,497 7,242,080
184 184 302,866,058 3,918,580 3,323,500 7,242,080
185 185 298,905,027 3,961,031 3,281,049 7,242,080
186 186 294,901,084 4,003,942 3,238,138 7,242,080
187 187 290,853,766 4,047,318 3,194,762 7,242,080
188 188 286,762,602 4,091,164 3,150,916 7,242,080
189 189 282,627,117 4,135,485 3,106,595 7,242,080
190 190 278,446,830 4,180,286 3,061,794 7,242,080
191 191 274,221,258 4,225,573 3,016,507 7,242,080
192 192 269,949,908 4,271,350 2,970,730 7,242,080
193 193 265,632,285 4,317,623 2,924,457 7,242,080
194 194 261,267,888 4,364,397 2,877,683 7,242,080
195 195 256,856,210 4,411,678 2,830,402 7,242,080
196 196 252,396,739 4,459,471 2,782,609 7,242,080
197 197 247,888,957 4,507,782 2,734,298 7,242,080
198 198 243,332,341 4,556,616 2,685,464 7,242,080
199 199 238,726,361 4,605,980 2,636,100 7,242,080
200 200 234,070,483 4,655,878 2,586,202 7,242,080
201 201 229,364,167 4,706,316 2,535,764 7,242,080
202 202 224,606,865 4,757,302 2,484,778 7,242,080
203 203 219,798,026 4,808,839 2,433,241 7,242,080
204 204 214,937,092 4,860,935 2,381,145 7,242,080
205 205 210,023,497 4,913,595 2,328,485 7,242,080
206 206 205,056,671 4,966,825 2,275,255 7,242,080
207 207 200,036,038 5,020,633 2,221,447 7,242,080
208 208 194,961,015 5,075,023 2,167,057 7,242,080
209 209 189,831,013 5,130,002 2,112,078 7,242,080
210 210 184,645,436 5,185,577 2,056,503 7,242,080
211 211 179,403,681 5,241,754 2,000,326 7,242,080
212 212 174,105,141 5,298,540 1,943,540 7,242,080
213 213 168,749,200 5,355,941 1,886,139 7,242,080
214 214 163,335,236 5,413,964 1,828,116 7,242,080
215 215 157,862,621 5,472,615 1,769,465 7,242,080
216 216 152,330,720 5,531,902 1,710,178 7,242,080
217 217 146,738,889 5,591,831 1,650,249 7,242,080
218 218 141,086,480 5,652,409 1,589,671 7,242,080
219 219 135,372,837 5,713,643 1,528,437 7,242,080
220 220 129,597,296 5,775,541 1,466,539 7,242,080
221 221 123,759,187 5,838,109 1,403,971 7,242,080
222 222 117,857,831 5,901,356 1,340,725 7,242,080
223 223 111,892,544 5,965,287 1,276,793 7,242,080
224 224 105,862,634 6,029,911 1,212,169 7,242,080
225 225 99,767,399 6,095,235 1,146,845 7,242,080
226 226 93,606,132 6,161,267 1,080,813 7,242,080
227 227 87,378,119 6,228,014 1,014,066 7,242,080
228 228 81,082,635 6,295,484 946,596 7,242,080
229 229 74,718,950 6,363,685 878,395 7,242,080
230 230 68,286,325 6,432,625 809,455 7,242,080
231 231 61,784,014 6,502,312 739,769 7,242,080
232 232 55,211,260 6,572,753 669,327 7,242,080
233 233 48,567,302 6,643,958 598,122 7,242,080
234 234 41,851,368 6,715,934 526,146 7,242,080
235 235 35,062,678 6,788,690 453,390 7,242,080
236 236 28,200,444 6,862,234 379,846 7,242,080
237 237 21,263,868 6,936,575 305,505 7,242,080
238 238 14,252,147 7,011,721 230,359 7,242,080
239 239 7,164,465 7,087,682 154,398 7,242,080
240 240 0 7,164,465 77,615 7,242,080
649,413,900 992,553,046 1,641,966,946
CONTOH PERHITUNGAN ANGSURAN (ANUITAS) CONTOH PERHITUNGAN ANGSURAN (A
In Arrear = Angsuran mulai dibayar bulan berikutnya In Arrear = Angsuran mulai dibayar bula

1 DAPAT DIUBAH
1- Tenor BERTANDA BIRU 1-
(1 + suku bunga)
Ingat! Dalam perhitungan suku bunga harus dibagi 12 Ingat! Dalam perhitungan suku bunga haru
Pokok 613,335,350 Angsuran/Bln 5,861,352.06 Pokok

Tenor (Bln) 180 Tot P+B 1,055,043,370 218,452,106 Tenor (Bln)
Int (eff) 8.00% Tot Bunga 441,708,020 145,027,557 FLAT Int (eff)
73,424,549
Pokok 541,488,112 Angsuran/Bln 7,443,432.27 SISA 3 TAHUN Pokok

Tenor (Bln) 144 Tot P+B 1,071,854,246 1,064,410,814 Tenor (Bln)
Int (eff) 13.00% Tot Bunga 530,366,134 524,500,013 FLOATING Int (eff)
539,910,801
pokok x suku bunga

12
AngKe O/S Pokok AngPokok Angs Bunga Angsuran Bulan AngKe
0 613,335,350 - - 0 0
1 611,562,900 1,772,450 4,088,902 5,861,352 1 1
2 609,778,634 1,784,266 4,077,086 5,861,352 2 2
3 607,982,473 1,796,161 4,065,191 5,861,352 3 3
4 606,174,337 1,808,136 4,053,216 5,861,352 4 4
5 604,354,148 1,820,190 4,041,162 5,861,352 5 5
6 602,521,823 1,832,324 4,029,028 5,861,352 6 6
7 600,677,283 1,844,540 4,016,812 5,861,352 7 7
8 598,820,447 1,856,837 4,004,515 5,861,352 8 8
9 596,951,231 1,869,216 3,992,136 5,861,352 9 9
10 595,069,554 1,881,677 3,979,675 5,861,352 10 10
11 593,175,332 1,894,222 3,967,130 5,861,352 11 11
12 591,268,482 1,906,850 3,954,502 5,861,352 12 12
13 589,348,920 1,919,562 3,941,790 5,861,352 13 13
14 587,416,561 1,932,359 3,928,993 5,861,352 14 14
15 585,471,319 1,945,242 3,916,110 5,861,352 15 15
16 583,513,109 1,958,210 3,903,142 5,861,352 16 16
17 581,541,844 1,971,265 3,890,087 5,861,352 17 17
18 579,557,438 1,984,406 3,876,946 5,861,352 18 18
19 577,559,802 1,997,636 3,863,716 5,861,352 19 19
20 575,548,849 2,010,953 3,850,399 5,861,352 20 20
21 573,524,489 2,024,360 3,836,992 5,861,352 21 21
22 571,486,634 2,037,855 3,823,497 5,861,352 22 22
23 569,435,192 2,051,441 3,809,911 5,861,352 23 23
24 567,370,075 2,065,117 3,796,235 5,861,352 24 24
25 565,291,190 2,078,885 3,782,467 5,861,352 25 25
26 563,198,446 2,092,744 3,768,608 5,861,352 26 26
27 561,091,750 2,106,696 3,754,656 5,861,352 27 27
28 558,971,010 2,120,740 3,740,612 5,861,352 28 28
29 556,836,131 2,134,879 3,726,473 5,861,352 29 29
30 554,687,020 2,149,111 3,712,241 5,861,352 30 30
31 552,523,581 2,163,439 3,697,913 5,861,352 31 31
32 550,345,720 2,177,862 3,683,491 5,861,352 32 32
33 548,153,339 2,192,381 3,668,971 5,861,352 33 33
34 545,946,343 2,206,996 3,654,356 5,861,352 34 34
35 543,724,633 2,221,710 3,639,642 5,861,352 35 35
36 541,488,112 2,236,521 3,624,831 5,861,352 36 36
37 539,910,801 1,577,311 5,866,121 7,443,432 37 37
38 538,316,402 1,594,399 5,849,034 7,443,432 38 38
39 536,704,731 1,611,671 5,831,761 7,443,432 39 39
40 535,075,600 1,629,131 5,814,301 7,443,432 40 40
41 533,428,820 1,646,780 5,796,652 7,443,432 41 41
42 531,764,200 1,664,620 5,778,812 7,443,432 42 42
43 530,081,547 1,682,653 5,760,779 7,443,432 43 43
44 528,380,664 1,700,882 5,742,550 7,443,432 44 44
45 526,661,356 1,719,308 5,724,124 7,443,432 45 45
46 524,923,422 1,737,934 5,705,498 7,443,432 46 46
47 523,166,660 1,756,762 5,686,670 7,443,432 47 47
48 521,390,866 1,775,793 5,667,639 7,443,432 48 48
49 519,595,835 1,795,031 5,648,401 7,443,432 49 49
50 517,781,358 1,814,477 5,628,955 7,443,432 50 50
51 515,947,224 1,834,134 5,609,298 7,443,432 51 51
52 514,093,220 1,854,004 5,589,428 7,443,432 52 52
53 512,219,131 1,874,089 5,569,343 7,443,432 53 53
54 510,324,739 1,894,392 5,549,041 7,443,432 54 54
55 508,409,825 1,914,914 5,528,518 7,443,432 55 55
56 506,474,165 1,935,659 5,507,773 7,443,432 56 56
57 504,517,537 1,956,629 5,486,803 7,443,432 57 57
58 502,539,711 1,977,826 5,465,607 7,443,432 58 58
59 500,540,459 1,999,252 5,444,180 7,443,432 59 59
60 498,519,548 2,020,911 5,422,522 7,443,432 60 60
61 496,476,745 2,042,804 5,400,628 7,443,432 61 61
62 494,411,810 2,064,934 5,378,498 7,443,432 62 62
63 492,324,506 2,087,304 5,356,128 7,443,432 63 63
64 490,214,589 2,109,917 5,333,515 7,443,432 64 64
65 488,081,815 2,132,774 5,310,658 7,443,432 65 65
66 485,925,936 2,155,879 5,287,553 7,443,432 66 66
67 483,746,701 2,179,235 5,264,198 7,443,432 67 67
68 481,543,858 2,202,843 5,240,589 7,443,432 68 68
69 479,317,151 2,226,707 5,216,725 7,443,432 69 69
70 477,066,321 2,250,830 5,192,602 7,443,432 70 70
71 474,791,107 2,275,214 5,168,218 7,443,432 71 71
72 472,491,245 2,299,862 5,143,570 7,443,432 72 72
73 470,166,468 2,324,777 5,118,655 7,443,432 73 73
74 467,816,506 2,349,962 5,093,470 7,443,432 74 74
75 465,441,086 2,375,420 5,068,012 7,443,432 75 75
76 463,039,932 2,401,154 5,042,278 7,443,432 76 76
77 460,612,766 2,427,166 5,016,266 7,443,432 77 77
78 458,159,305 2,453,461 4,989,972 7,443,432 78 78
79 455,679,265 2,480,040 4,963,392 7,443,432 79 79
80 453,172,359 2,506,907 4,936,525 7,443,432 80 80
81 450,638,294 2,534,065 4,909,367 7,443,432 81 81
82 448,076,776 2,561,517 4,881,915 7,443,432 82 82
83 445,487,509 2,589,267 4,854,165 7,443,432 83 83
84 442,870,191 2,617,318 4,826,115 7,443,432 84 84
85 440,224,519 2,645,672 4,797,760 7,443,432 85 85
86 437,550,186 2,674,333 4,769,099 7,443,432 86 86
87 434,846,881 2,703,305 4,740,127 7,443,432 87 87
88 432,114,290 2,732,591 4,710,841 7,443,432 88 88
89 429,352,096 2,762,194 4,681,238 7,443,432 89 89
90 426,559,978 2,792,118 4,651,314 7,443,432 90 90
91 423,737,612 2,822,366 4,621,066 7,443,432 91 91
92 420,884,671 2,852,941 4,590,491 7,443,432 92 92
93 418,000,822 2,883,848 4,559,584 7,443,432 93 93
94 415,085,732 2,915,090 4,528,342 7,443,432 94 94
95 412,139,062 2,946,670 4,496,762 7,443,432 95 95
96 409,160,470 2,978,592 4,464,840 7,443,432 96 96
97 406,149,609 3,010,861 4,432,572 7,443,432 97 97
98 403,106,131 3,043,478 4,399,954 7,443,432 98 98
99 400,029,682 3,076,449 4,366,983 7,443,432 99 99
100 396,919,904 3,109,777 4,333,655 7,443,432 100 100
101 393,776,438 3,143,467 4,299,966 7,443,432 101 101
102 390,598,917 3,177,521 4,265,911 7,443,432 102 102
103 387,386,973 3,211,944 4,231,488 7,443,432 103 103
104 384,140,233 3,246,740 4,196,692 7,443,432 104 104
105 380,858,320 3,281,913 4,161,519 7,443,432 105 105
106 377,540,853 3,317,467 4,125,965 7,443,432 106 106
107 374,187,446 3,353,406 4,090,026 7,443,432 107 107
108 370,797,711 3,389,735 4,053,697 7,443,432 108 108
109 367,371,254 3,426,457 4,016,975 7,443,432 109 109
110 363,907,677 3,463,577 3,979,855 7,443,432 110 110
111 360,406,578 3,501,099 3,942,333 7,443,432 111 111
112 356,867,550 3,539,028 3,904,405 7,443,432 112 112
113 353,290,183 3,577,367 3,866,065 7,443,432 113 113
114 349,674,061 3,616,122 3,827,310 7,443,432 114 114
115 346,018,765 3,655,297 3,788,136 7,443,432 115 115
116 342,323,869 3,694,896 3,748,537 7,443,432 116 116
117 338,588,945 3,734,924 3,708,509 7,443,432 117 117
118 334,813,560 3,775,385 3,668,047 7,443,432 118 118
119 330,997,275 3,816,285 3,627,147 7,443,432 119 119
120 327,139,646 3,857,628 3,585,804 7,443,432 120 120
121 323,240,227 3,899,419 3,544,013 7,443,432 121 121
122 319,298,564 3,941,663 3,501,769 7,443,432 122 122
123 315,314,199 3,984,364 3,459,068 7,443,432 123 123
124 311,286,671 4,027,528 3,415,904 7,443,432 124 124
125 307,215,511 4,071,160 3,372,272 7,443,432 125 125
126 303,100,246 4,115,264 3,328,168 7,443,432 126 126
127 298,940,400 4,159,846 3,283,586 7,443,432 127 127
128 294,735,489 4,204,911 3,238,521 7,443,432 128 128
129 290,485,024 4,250,464 3,192,968 7,443,432 129 129
130 286,188,513 4,296,511 3,146,921 7,443,432 130 130
131 281,845,457 4,343,057 3,100,376 7,443,432 131 131
132 277,455,350 4,390,106 3,053,326 7,443,432 132 132
133 273,017,684 4,437,666 3,005,766 7,443,432 133 133
134 268,531,943 4,485,741 2,957,692 7,443,432 134 134
135 263,997,607 4,534,336 2,909,096 7,443,432 135 135
136 259,414,149 4,583,458 2,859,974 7,443,432 136 136
137 254,781,037 4,633,112 2,810,320 7,443,432 137 137
138 250,097,732 4,683,304 2,760,128 7,443,432 138 138
139 245,363,692 4,734,040 2,709,392 7,443,432 139 139
140 240,578,367 4,785,326 2,658,107 7,443,432 140 140
141 235,741,200 4,837,167 2,606,266 7,443,432 141 141
142 230,851,631 4,889,569 2,553,863 7,443,432 142 142
143 225,909,091 4,942,540 2,500,893 7,443,432 143 143
144 220,913,007 4,996,084 2,447,348 7,443,432 144 144
145 215,862,799 5,050,208 2,393,224 7,443,432 145 145
146 210,757,881 5,104,919 2,338,514 7,443,432 146 146
147 205,597,659 5,160,222 2,283,210 7,443,432 147 147
148 200,381,535 5,216,124 2,227,308 7,443,432 148 148
149 195,108,902 5,272,632 2,170,800 7,443,432 149 149
150 189,779,150 5,329,752 2,113,680 7,443,432 150 150
151 184,391,658 5,387,491 2,055,941 7,443,432 151 151
152 178,945,802 5,445,856 1,997,576 7,443,432 152 152
153 173,440,950 5,504,853 1,938,580 7,443,432 153 153
154 167,876,461 5,564,489 1,878,944 7,443,432 154 154
155 162,251,690 5,624,771 1,818,662 7,443,432 155 155
156 156,565,985 5,685,706 1,757,727 7,443,432 156 156
157 150,818,684 5,747,301 1,696,132 7,443,432 157 157
158 145,009,121 5,809,563 1,633,869 7,443,432 158 158
159 139,136,621 5,872,500 1,570,932 7,443,432 159 159
160 133,200,502 5,936,119 1,507,313 7,443,432 160 160
161 127,200,075 6,000,427 1,443,005 7,443,432 161 161
162 121,134,643 6,065,431 1,378,001 7,443,432 162 162
163 115,003,503 6,131,140 1,312,292 7,443,432 163 163
164 108,805,942 6,197,561 1,245,871 7,443,432 164 164
165 102,541,241 6,264,701 1,178,731 7,443,432 165 165
166 96,208,672 6,332,569 1,110,863 7,443,432 166 166
167 89,807,500 6,401,172 1,042,261 7,443,432 167 167
168 83,336,983 6,470,518 972,915 7,443,432 168 168
169 76,796,368 6,540,615 902,817 7,443,432 169 169
170 70,184,896 6,611,472 831,961 7,443,432 170 170
171 63,501,800 6,683,096 760,336 7,443,432 171 171
172 56,746,304 6,755,496 687,936 7,443,432 172 172
173 49,917,624 6,828,681 614,752 7,443,432 173 173
174 43,014,966 6,902,658 540,774 7,443,432 174 174
175 36,037,529 6,977,437 465,995 7,443,432 175 175
176 28,984,503 7,053,026 390,407 7,443,432 176 176
177 21,855,070 7,129,433 313,999 7,443,432 177 177
178 14,648,401 7,206,669 236,763 7,443,432 178 178
179 7,363,659 7,284,741 158,691 7,443,432 179 179
180 0 7,363,659 79,773 7,443,432 180 180
7,443,432 0 1,282,862,920
PERHITUNGAN ANGSURAN (ANUITAS)
In Arrear = Angsuran mulai dibayar bulan berikutnya In Advance =angsuran dibayar pada saat awal (DP dibayar)

1 DAPAT DIUBAH 1- 1 X (1+suku bunga)
Tenor BERTANDA BIRU (1+suku bunga) Tenor
(1 + suku bunga)
613,335,350 Angsuran/Bln 5,598,910.75 Pokok 613,335,350 Angsuran/Bln

180 Tot P+B 1,007,803,934 208,948,703 Tenor (Bln) 180 Tot P+B
7.25% Tot Bunga 394,468,584 131,497,246 Int (eff) 8.00% Tot Bunga
77,451,456
537,449,441 Angsuran/Bln 7,387,915.67

144 Tot P+B 1,063,859,857 1,056,471,941
13.00% Tot Bunga 526,410,416 520,588,047
535,883,894
pokok x suku bunga

12
O/S Pokok AngPokok Angs Bunga Angsuran AngKe O/S Pokok AngPokok
613,335,350 - - 1 607,512,815 5,822,535

611,442,007 1,893,343 3,705,568 5,598,911 2 605,740,365 1,772,450
609,537,225 1,904,782 3,694,129 5,598,911 3 603,956,099 1,784,266
607,620,935 1,916,290 3,682,621 5,598,911 4 602,159,938 1,796,161
605,693,067 1,927,868 3,671,043 5,598,911 5 600,351,802 1,808,136
603,753,552 1,939,515 3,659,396 5,598,911 6 598,531,613 1,820,190
601,802,319 1,951,233 3,647,678 5,598,911 7 596,699,288 1,832,324
599,839,298 1,963,022 3,635,889 5,598,911 8 594,854,748 1,844,540
597,864,416 1,974,882 3,624,029 5,598,911 9 592,997,911 1,856,837
595,877,603 1,986,813 3,612,098 5,598,911 10 591,128,696 1,869,216
593,878,786 1,998,817 3,600,094 5,598,911 11 589,247,018 1,881,677
591,867,893 2,010,893 3,588,018 5,598,911 12 587,352,797 1,894,222
589,844,850 2,023,042 3,575,869 5,598,911 13 585,445,947 1,906,850
587,809,586 2,035,265 3,563,646 5,598,911 14 583,526,385 1,919,562
585,762,024 2,047,561 3,551,350 5,598,911 15 581,594,025 1,932,359
583,702,093 2,059,932 3,538,979 5,598,911 16 579,648,784 1,945,242
581,629,715 2,072,377 3,526,533 5,598,911 17 577,690,574 1,958,210
579,544,817 2,084,898 3,514,013 5,598,911 18 575,719,309 1,971,265
577,447,323 2,097,494 3,501,417 5,598,911 19 573,734,903 1,984,406
575,337,157 2,110,167 3,488,744 5,598,911 20 571,737,267 1,997,636
573,214,241 2,122,915 3,475,995 5,598,911 21 569,726,314 2,010,953
571,078,500 2,135,741 3,463,169 5,598,911 22 567,701,954 2,024,360
568,929,855 2,148,645 3,450,266 5,598,911 23 565,664,098 2,037,855
566,768,229 2,161,626 3,437,285 5,598,911 24 563,612,657 2,051,441
564,593,543 2,174,686 3,424,225 5,598,911 25 561,547,540 2,065,117
562,405,718 2,187,825 3,411,086 5,598,911 26 559,468,655 2,078,885
560,204,675 2,201,043 3,397,868 5,598,911 27 557,375,911 2,092,744
557,990,335 2,214,341 3,384,570 5,598,911 28 555,269,215 2,106,696
555,762,615 2,227,719 3,371,192 5,598,911 29 553,148,475 2,120,740
553,521,437 2,241,178 3,357,732 5,598,911 30 551,013,596 2,134,879
551,266,718 2,254,719 3,344,192 5,598,911 31 548,864,485 2,149,111
548,998,377 2,268,341 3,330,570 5,598,911 32 546,701,046 2,163,439
546,716,332 2,282,046 3,316,865 5,598,911 33 544,523,185 2,177,862
544,420,499 2,295,833 3,303,078 5,598,911 34 542,330,804 2,192,381
542,110,795 2,309,704 3,289,207 5,598,911 35 540,123,808 2,206,996
539,787,137 2,323,658 3,275,253 5,598,911 36 537,902,098 2,221,710
537,449,441 2,337,697 3,261,214 5,598,911 37 535,665,577 2,236,521
535,883,894 1,565,547 5,822,369 7,387,916 38 533,414,145 2,251,431
534,301,387 1,582,507 5,805,409 7,387,916 39 531,147,705 2,266,441
532,701,736 1,599,651 5,788,265 7,387,916 40 528,866,154 2,281,550
531,084,756 1,616,980 5,770,935 7,387,916 41 526,569,393 2,296,761
529,450,259 1,634,497 5,753,418 7,387,916 42 524,257,321 2,312,073
527,798,054 1,652,205 5,735,711 7,387,916 43 521,929,834 2,327,486
526,127,951 1,670,103 5,717,812 7,387,916 44 519,586,832 2,343,003
524,439,755 1,688,196 5,699,719 7,387,916 45 517,228,209 2,358,623
522,733,270 1,706,485 5,681,431 7,387,916 46 514,853,861 2,374,347
521,008,298 1,724,972 5,662,944 7,387,916 47 512,463,685 2,390,176
519,264,639 1,743,659 5,644,257 7,387,916 48 510,057,575 2,406,111
517,502,090 1,762,549 5,625,367 7,387,916 49 507,635,424 2,422,151
515,720,447 1,781,643 5,606,273 7,387,916 50 505,197,125 2,438,299
513,919,503 1,800,944 5,586,972 7,387,916 51 502,742,570 2,454,554
512,099,048 1,820,454 5,567,461 7,387,916 52 500,271,652 2,470,918
510,258,872 1,840,176 5,547,740 7,387,916 53 497,784,261 2,487,391
508,398,761 1,860,111 5,527,804 7,387,916 54 495,280,288 2,503,973
506,518,499 1,880,262 5,507,653 7,387,916 55 492,759,621 2,520,667
504,617,867 1,900,632 5,487,284 7,387,916 56 490,222,150 2,537,471
502,696,645 1,921,222 5,466,694 7,387,916 57 487,667,763 2,554,387
500,754,609 1,942,035 5,445,880 7,387,916 58 485,096,346 2,571,417
498,791,535 1,963,074 5,424,842 7,387,916 59 482,507,787 2,588,560
496,807,194 1,984,341 5,403,575 7,387,916 60 479,901,970 2,605,817
494,801,357 2,005,838 5,382,078 7,387,916
492,773,789 2,027,568 5,360,348 7,387,916 61 477,278,781 2,623,189
490,724,256 2,049,533 5,338,383 7,387,916 62 474,638,105 2,640,677
488,652,520 2,071,736 5,316,179 7,387,916 63 471,979,824 2,658,281
486,558,340 2,094,180 5,293,736 7,387,916 64 469,303,821 2,676,003
484,441,473 2,116,867 5,271,049 7,387,916 65 466,609,978 2,693,843
482,301,673 2,139,800 5,248,116 7,387,916 66 463,898,176 2,711,802
480,138,692 2,162,981 5,224,935 7,387,916 67 461,168,295 2,729,881
477,952,279 2,186,413 5,201,502 7,387,916 68 458,420,215 2,748,080
475,742,180 2,210,099 5,177,816 7,387,916 69 455,653,815 2,766,400
473,508,138 2,234,042 5,153,874 7,387,916 70 452,868,972 2,784,843
471,249,893 2,258,244 5,129,671 7,387,916 71 450,065,563 2,803,409
468,967,185 2,282,708 5,105,207 7,387,916 72 447,243,465 2,822,098
466,659,747 2,307,438 5,080,478 7,387,916 73 444,402,553 2,840,912
464,327,312 2,332,435 5,055,481 7,387,916 74 441,542,701 2,859,851
461,969,609 2,357,703 5,030,213 7,387,916 75 438,663,784 2,878,917
459,586,364 2,383,245 5,004,671 7,387,916 76 435,765,674 2,898,110
457,177,301 2,409,063 4,978,852 7,387,916 77 432,848,244 2,917,431
454,742,139 2,435,162 4,952,754 7,387,916 78 429,911,363 2,936,880
452,280,597 2,461,542 4,926,373 7,387,916 79 426,954,904 2,956,459
449,792,387 2,488,209 4,899,706 7,387,916 80 423,978,735 2,976,169
447,277,223 2,515,165 4,872,751 7,387,916 81 420,982,725 2,996,010
444,734,810 2,542,412 4,845,503 7,387,916 82 417,966,741 3,015,984
442,164,855 2,569,955 4,817,960 7,387,916 83 414,930,651 3,036,090
439,567,059 2,597,796 4,790,119 7,387,916 84 411,874,320 3,056,331
436,941,119 2,625,939 4,761,976 7,387,916 85 408,797,614 3,076,706
434,286,732 2,654,387 4,733,529 7,387,916 86 405,700,396 3,097,218
431,603,590 2,683,143 4,704,773 7,387,916 87 402,582,530 3,117,866
428,891,380 2,712,210 4,675,706 7,387,916 88 399,443,878 3,138,652
426,149,787 2,741,592 4,646,323 7,387,916 89 396,284,302 3,159,576
423,378,494 2,771,293 4,616,623 7,387,916 90 393,103,663 3,180,640
420,577,179 2,801,315 4,586,600 7,387,916 91 389,901,819 3,201,844
417,745,516 2,831,663 4,556,253 7,387,916 92 386,678,629 3,223,190
414,883,177 2,862,339 4,525,576 7,387,916 93 383,433,951 3,244,678
411,989,829 2,893,348 4,494,568 7,387,916 94 380,167,642 3,266,309
409,065,136 2,924,693 4,463,223 7,387,916 95 376,879,558 3,288,084
406,108,760 2,956,377 4,431,539 7,387,916 96 373,569,554 3,310,005
403,120,355 2,988,404 4,399,512 7,387,916 97 370,237,482 3,332,071
400,099,577 3,020,778 4,367,137 7,387,916 98 366,883,197 3,354,285
397,046,073 3,053,504 4,334,412 7,387,916 99 363,506,550 3,376,647
393,959,490 3,086,583 4,301,332 7,387,916 100 360,107,391 3,399,158
390,839,469 3,120,021 4,267,894 7,387,916 101 356,685,572 3,421,819
387,685,648 3,153,821 4,234,094 7,387,916 102 353,240,941 3,444,631
384,497,660 3,187,988 4,199,928 7,387,916 103 349,773,345 3,467,596
381,275,135 3,222,524 4,165,391 7,387,916 104 346,282,632 3,490,713
378,017,700 3,257,435 4,130,481 7,387,916 105 342,768,648 3,513,984
374,724,976 3,292,724 4,095,192 7,387,916 106 339,231,237 3,537,411
371,396,581 3,328,395 4,059,521 7,387,916 107 335,670,244 3,560,994
368,032,129 3,364,453 4,023,463 7,387,916 108 332,085,510 3,584,734
364,631,228 3,400,901 3,987,015 7,387,916 109 328,476,879 3,608,632
361,193,484 3,437,744 3,950,172 7,387,916 110 324,844,189 3,632,689
357,718,497 3,474,986 3,912,929 7,387,916 111 321,187,282 3,656,907
354,205,865 3,512,632 3,875,284 7,387,916 112 317,505,995 3,681,287
350,655,180 3,550,685 3,837,230 7,387,916 113 313,800,167 3,705,829
347,066,029 3,589,151 3,798,764 7,387,916 114 310,069,633 3,730,534
343,437,995 3,628,034 3,759,882 7,387,916 115 306,314,229 3,755,404
339,770,658 3,667,337 3,720,578 7,387,916 116 302,533,788 3,780,440
336,063,591 3,707,067 3,680,849 7,387,916 117 298,728,145 3,805,643
332,316,364 3,747,227 3,640,689 7,387,916 118 294,897,131 3,831,014
328,528,542 3,787,822 3,600,094 7,387,916 119 291,040,577 3,856,554
324,699,686 3,828,856 3,559,059 7,387,916 120 287,158,312 3,882,265
320,829,350 3,870,336 3,517,580 7,387,916 326,177,038
316,917,086 3,912,264 3,475,651 7,387,916
312,962,439 3,954,647 3,433,268 7,387,916
308,964,949 3,997,489 3,390,426 7,387,916
304,924,154 4,040,795 3,347,120 7,387,916
300,839,583 4,084,571 3,303,345 7,387,916
296,710,763 4,128,820 3,259,095 7,387,916
292,537,214 4,173,549 3,214,367 7,387,916
288,318,451 4,218,763 3,169,153 7,387,916
284,053,986 4,264,466 3,123,450 7,387,916
279,743,321 4,310,664 3,077,252 7,387,916
275,385,958 4,357,363 3,030,553 7,387,916
270,981,391 4,404,568 2,983,348 7,387,916
266,529,107 4,452,284 2,935,632 7,387,916
262,028,590 4,500,517 2,887,399 7,387,916
257,479,317 4,549,273 2,838,643 7,387,916
252,880,761 4,598,556 2,789,359 7,387,916
248,232,387 4,648,374 2,739,542 7,387,916
243,533,655 4,698,731 2,689,184 7,387,916
238,784,021 4,749,634 2,638,281 7,387,916
233,982,932 4,801,089 2,586,827 7,387,916
229,129,831 4,853,101 2,534,815 7,387,916
224,224,156 4,905,676 2,482,240 7,387,916
219,265,335 4,958,821 2,429,095 7,387,916
214,252,794 5,012,541 2,375,374 7,387,916
209,185,950 5,066,844 2,321,072 7,387,916
204,064,215 5,121,735 2,266,181 7,387,916
198,886,995 5,177,220 2,210,696 7,387,916
193,653,689 5,233,307 2,154,609 7,387,916
188,363,688 5,290,001 2,097,915 7,387,916
183,016,379 5,347,309 2,040,607 7,387,916
177,611,141 5,405,238 1,982,677 7,387,916
172,147,346 5,463,795 1,924,121 7,387,916
166,624,360 5,522,986 1,864,930 7,387,916
161,041,541 5,582,818 1,805,097 7,387,916
155,398,242 5,643,299 1,744,617 7,387,916
149,693,808 5,704,435 1,683,481 7,387,916
143,927,575 5,766,233 1,621,683 7,387,916
138,098,875 5,828,700 1,559,215 7,387,916
132,207,030 5,891,845 1,496,071 7,387,916
126,251,357 5,955,673 1,432,243 7,387,916
120,231,165 6,020,193 1,367,723 7,387,916
114,145,753 6,085,411 1,302,504 7,387,916
107,994,417 6,151,337 1,236,579 7,387,916
101,776,440 6,217,976 1,169,940 7,387,916
95,491,103 6,285,338 1,102,578 7,387,916
89,137,674 6,353,429 1,034,487 7,387,916
82,715,417 6,422,258 965,658 7,387,916
76,223,585 6,491,832 896,084 7,387,916
69,661,424 6,562,160 825,755 7,387,916
63,028,174 6,633,250 754,665 7,387,916
56,323,064 6,705,110 682,805 7,387,916
49,545,315 6,777,749 610,167 7,387,916
42,694,140 6,851,175 536,741 7,387,916
35,768,744 6,925,396 462,520 7,387,916
28,768,323 7,000,421 387,495 7,387,916
21,692,064 7,076,259 311,657 7,387,916
14,539,146 7,152,918 234,997 7,387,916
7,308,738 7,230,408 157,507 7,387,916
(0) 7,308,738 79,178 7,387,916
7,387,916 (0) 1,265,420,643
r pada saat awal (DP dibayar)
X (1+suku bunga)
bunga harus dibagi 12
5,822,535
1,048,056,328
434,720,978
pokok x suku bunga

12
Bunga Angsuran
- 5,822,535
4,050,085 5,822,535
4,038,269 5,822,535
4,026,374 5,822,535
4,014,400 5,822,535
4,002,345 5,822,535
3,990,211 5,822,535
3,977,995 5,822,535
3,965,698 5,822,535
3,953,319 5,822,535
3,940,858 5,822,535
3,928,313 5,822,535
3,915,685 5,822,535
3,902,973 5,822,535
3,890,176 5,822,535
3,877,294 5,822,535
3,864,325 5,822,535
3,851,270 5,822,535
3,838,129 5,822,535
3,824,899 5,822,535
3,811,582 5,822,535
3,798,175 5,822,535
3,784,680 5,822,535
3,771,094 5,822,535
3,757,418 5,822,535
3,743,650 5,822,535
3,729,791 5,822,535
3,715,839 5,822,535
3,701,795 5,822,535
3,687,656 5,822,535
3,673,424 5,822,535
3,659,097 5,822,535
3,644,674 5,822,535
3,630,155 5,822,535
3,615,539 5,822,535
3,600,825 5,822,535
3,586,014 5,822,535
3,571,104 5,822,535
3,556,094 5,822,535
3,540,985 5,822,535
3,525,774 5,822,535
3,510,463 5,822,535
3,495,049 5,822,535
3,479,532 5,822,535
3,463,912 5,822,535
3,448,188 5,822,535
3,432,359 5,822,535
3,416,425 5,822,535
3,400,384 5,822,535
3,384,236 5,822,535
3,367,981 5,822,535
3,351,617 5,822,535
3,335,144 5,822,535
3,318,562 5,822,535
3,301,869 5,822,535
3,285,064 5,822,535
3,268,148 5,822,535
3,251,118 5,822,535
3,233,976 5,822,535
3,216,719 5,822,535
3,199,346 5,822,535
3,181,859 5,822,535
3,164,254 5,822,535
3,146,532 5,822,535
3,128,692 5,822,535
3,110,733 5,822,535
3,092,655 5,822,535
3,074,455 5,822,535
3,056,135 5,822,535
3,037,692 5,822,535
3,019,126 5,822,535
3,000,437 5,822,535
2,981,623 5,822,535
2,962,684 5,822,535
2,943,618 5,822,535
2,924,425 5,822,535
2,905,104 5,822,535
2,885,655 5,822,535
2,866,076 5,822,535
2,846,366 5,822,535
2,826,525 5,822,535
2,806,551 5,822,535
2,786,445 5,822,535
2,766,204 5,822,535
2,745,829 5,822,535
2,725,317 5,822,535
2,704,669 5,822,535
2,683,884 5,822,535
2,662,959 5,822,535
2,641,895 5,822,535
2,620,691 5,822,535
2,599,345 5,822,535
2,577,858 5,822,535
2,556,226 5,822,535
2,534,451 5,822,535
2,512,530 5,822,535
2,490,464 5,822,535
2,468,250 5,822,535
2,445,888 5,822,535
2,423,377 5,822,535
2,400,716 5,822,535
2,377,904 5,822,535
2,354,940 5,822,535
2,331,822 5,822,535
2,308,551 5,822,535
2,285,124 5,822,535
2,261,542 5,822,535
2,237,802 5,822,535
2,213,903 5,822,535
2,189,846 5,822,535
2,165,628 5,822,535
2,141,249 5,822,535
2,116,707 5,822,535
2,092,001 5,822,535
2,067,131 5,822,535
2,042,095 5,822,535
2,016,892 5,822,535
1,991,521 5,822,535
1,965,981 5,822,535
1,940,271 5,822,535
372,527,181 698,704,219
Contoh perhitungan Angsuran FLAT
Pokok 613,335,350 Bunga 667,002,193

Tenor (Bln) 180 P+B 1,280,337,543
Int (Flat) 7.25% Angsuran/bln 10,669,480
Bulan AngKe O/S Pokok AngPokok Angs Bunga Angsuran

0 0 613,335,350
1 1 608,224,222 5,111,128 5,558,352 10,669,480
2 2 607,390,889 833,333 1,000,000 1,833,333
3 3 606,557,555 833,333 1,000,000 1,833,333
4 4 605,724,222 833,333 1,000,000 1,833,333
5 5 604,890,889 833,333 1,000,000 1,833,333
6 6 604,057,555 833,333 1,000,000 1,833,333
7 7 603,224,222 833,333 1,000,000 1,833,333
8 8 602,390,889 833,333 1,000,000 1,833,333
9 9 601,557,555 833,333 1,000,000 1,833,333
10 10 600,724,222 833,333 1,000,000 1,833,333
11 11 599,890,889 833,333 1,000,000 1,833,333
12 12 599,057,555 833,333 1,000,000 1,833,333
13 13 598,224,222 833,333 1,000,000 1,833,333
14 14 597,390,889 833,333 1,000,000 1,833,333
15 15 596,557,555 833,333 1,000,000 1,833,333
16 16 595,724,222 833,333 1,000,000 1,833,333
17 17 594,890,889 833,333 1,000,000 1,833,333
18 18 594,057,555 833,333 1,000,000 1,833,333
19 19 593,224,222 833,333 1,000,000 1,833,333
20 20 592,390,889 833,333 1,000,000 1,833,333
21 21 591,557,555 833,333 1,000,000 1,833,333
22 22 590,724,222 833,333 1,000,000 1,833,333
23 23 589,890,889 833,333 1,000,000 1,833,333
24 24 589,057,555 833,333 1,000,000 1,833,333
25 25 588,224,222 833,333 1,000,000 1,833,333
26 26 587,390,889 833,333 1,000,000 1,833,333
27 27 586,557,555 833,333 1,000,000 1,833,333
28 28 585,724,222 833,333 1,000,000 1,833,333
29 29 584,890,889 833,333 1,000,000 1,833,333
30 30 584,057,555 833,333 1,000,000 1,833,333
31 31 583,224,222 833,333 1,000,000 1,833,333
32 32 582,390,889 833,333 1,000,000 1,833,333
33 33 581,557,555 833,333 1,000,000 1,833,333
34 34 580,724,222 833,333 1,000,000 1,833,333
35 35 579,890,889 833,333 1,000,000 1,833,333
36 36 579,057,555 833,333 1,000,000 1,833,333
37 37 578,224,222 833,333 1,000,000 1,833,333
38 38 577,390,889 833,333 1,000,000 1,833,333
39 39 576,557,555 833,333 1,000,000 1,833,333
40 40 575,724,222 833,333 1,000,000 1,833,333
41 41 574,890,889 833,333 1,000,000 1,833,333
42 42 574,057,555 833,333 1,000,000 1,833,333
43 43 573,224,222 833,333 1,000,000 1,833,333
44 44 572,390,889 833,333 1,000,000 1,833,333
45 45 571,557,555 833,333 1,000,000 1,833,333
46 46 570,724,222 833,333 1,000,000 1,833,333
47 47 569,890,889 833,333 1,000,000 1,833,333
48 48 569,057,555 833,333 1,000,000 1,833,333
49 49 568,224,222 833,333 1,000,000 1,833,333
50 50 567,390,889 833,333 1,000,000 1,833,333
51 51 566,557,555 833,333 1,000,000 1,833,333
52 52 565,724,222 833,333 1,000,000 1,833,333
53 53 564,890,889 833,333 1,000,000 1,833,333
54 54 564,057,555 833,333 1,000,000 1,833,333
55 55 563,224,222 833,333 1,000,000 1,833,333
56 56 562,390,889 833,333 1,000,000 1,833,333
57 57 561,557,555 833,333 1,000,000 1,833,333
58 58 560,724,222 833,333 1,000,000 1,833,333
59 59 559,890,889 833,333 1,000,000 1,833,333
60 60 559,057,555 833,333 1,000,000 1,833,333
61 61 558,224,222 833,333 1,000,000 1,833,333
62 62 557,390,889 833,333 1,000,000 1,833,333
63 63 556,557,555 833,333 1,000,000 1,833,333
64 64 555,724,222 833,333 1,000,000 1,833,333
65 65 554,890,889 833,333 1,000,000 1,833,333
66 66 554,057,555 833,333 1,000,000 1,833,333
67 67 553,224,222 833,333 1,000,000 1,833,333
68 68 552,390,889 833,333 1,000,000 1,833,333
69 69 551,557,555 833,333 1,000,000 1,833,333
70 70 550,724,222 833,333 1,000,000 1,833,333
71 71 549,890,889 833,333 1,000,000 1,833,333
72 72 549,057,555 833,333 1,000,000 1,833,333
73 73 548,224,222 833,333 1,000,000 1,833,333
74 74 547,390,889 833,333 1,000,000 1,833,333
75 75 546,557,555 833,333 1,000,000 1,833,333
76 76 545,724,222 833,333 1,000,000 1,833,333
77 77 544,890,889 833,333 1,000,000 1,833,333
78 78 544,057,555 833,333 1,000,000 1,833,333
79 79 543,224,222 833,333 1,000,000 1,833,333
80 80 542,390,889 833,333 1,000,000 1,833,333
81 81 541,557,555 833,333 1,000,000 1,833,333
82 82 540,724,222 833,333 1,000,000 1,833,333
83 83 539,890,889 833,333 1,000,000 1,833,333
84 84 539,057,555 833,333 1,000,000 1,833,333
85 85 538,224,222 833,333 1,000,000 1,833,333
86 86 537,390,889 833,333 1,000,000 1,833,333
87 87 536,557,555 833,333 1,000,000 1,833,333
88 88 535,724,222 833,333 1,000,000 1,833,333
89 89 534,890,889 833,333 1,000,000 1,833,333
90 90 534,057,555 833,333 1,000,000 1,833,333
91 91 533,224,222 833,333 1,000,000 1,833,333
92 92 532,390,889 833,333 1,000,000 1,833,333
93 93 531,557,555 833,333 1,000,000 1,833,333
94 94 530,724,222 833,333 1,000,000 1,833,333
95 95 529,890,889 833,333 1,000,000 1,833,333
96 96 529,057,555 833,333 1,000,000 1,833,333
97 97 528,224,222 833,333 1,000,000 1,833,333
98 98 527,390,889 833,333 1,000,000 1,833,333
99 99 526,557,555 833,333 1,000,000 1,833,333
100 100 525,724,222 833,333 1,000,000 1,833,333
101 101 524,890,889 833,333 1,000,000 1,833,333
102 102 524,057,555 833,333 1,000,000 1,833,333
103 103 523,224,222 833,333 1,000,000 1,833,333
104 104 522,390,889 833,333 1,000,000 1,833,333
105 105 521,557,555 833,333 1,000,000 1,833,333
106 106 520,724,222 833,333 1,000,000 1,833,333
107 107 519,890,889 833,333 1,000,000 1,833,333
108 108 519,057,555 833,333 1,000,000 1,833,333
109 109 518,224,222 833,333 1,000,000 1,833,333
110 110 517,390,889 833,333 1,000,000 1,833,333
111 111 516,557,555 833,333 1,000,000 1,833,333
112 112 515,724,222 833,333 1,000,000 1,833,333
113 113 514,890,889 833,333 1,000,000 1,833,333
114 114 514,057,555 833,333 1,000,000 1,833,333
115 115 513,224,222 833,333 1,000,000 1,833,333
116 116 512,390,889 833,333 1,000,000 1,833,333
117 117 511,557,555 833,333 1,000,000 1,833,333
118 118 510,724,222 833,333 1,000,000 1,833,333
119 119 509,890,889 833,333 1,000,000 1,833,333
120 120 509,057,555 833,333 1,000,000 1,833,333
104,277,795 124,558,352 228,836,146

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CONTOH PERHITUNGAN ANGSURAN (ANUITAS) CONTOH PERHITUNGAN A

In Arrear = Angsuran mulai dibayar bulan berikutnya

Pinjaman x suku bunga VARIABEL YANG

Ingat! Dalam perhitungan suku bunga harus dibagi 12

Pokok 613,335,350 Angsuran/Bln 5,318,785.41

SISA 5 TAHUN Pokok 540,442,681 Angsuran/Bln 6,486,220.45 SISA 3 TAHUN

pokok x suku bunga

Bulan AngKe O/S Pokok AngPokok Angs Bunga Angsuran Bulan

Pinjaman x suku bunga

Pokok 613,335,350 Angsuran/Bln 4,847,655.31 Pokok 613,335,350

Pokok 567,560,045 Angsuran/Bln 6,533,839.36

pokok x suku bunga

Pinjaman x suku bunga

erhitungan suku bunga harus dibagi 12

pokok x suku bunga

AngPokok Bunga Angsuran

1,629,452 3,189,091 4,818,543

In Arrear = Angsuran mulai dibayar bulan berikutnya

Pinjaman x suku bunga VARIABEL YANG

Ingat! Dalam perhitungan suku bunga harus dibagi 12

Pokok 613,335,350 Angsuran/Bln 6,036,161.15

SISA 5 TAHUN Pokok 487,053,448 Angsuran/Bln 7,272,231.08 SISA 3 TAHUN

pokok x suku bunga

Bulan AngKe O/S Pokok AngPokok Angs Bunga Angsuran Bulan

Pinjaman x suku bunga VARIABEL YANG Pinjaman x suku bunga

Pokok 613,335,350 Angsuran/Bln 5,861,352.06 Pokok

Pokok 541,488,112 Angsuran/Bln 7,443,432.27 SISA 3 TAHUN Pokok

pokok x suku bunga

AngKe O/S Pokok AngPokok Angs Bunga Angsuran Bulan AngKe

Pinjaman x suku bunga

613,335,350 Angsuran/Bln 5,598,910.75 Pokok 613,335,350 Angsuran/Bln

537,449,441 Angsuran/Bln 7,387,915.67

pokok x suku bunga

613,335,350 - - 1 607,512,815 5,822,535

bunga harus dibagi 12

pokok x suku bunga

In Arrear = Angsuran mulai dibayar bulan berikutnya

Pinjaman x suku bunga VARIABEL YANG

Ingat! Dalam perhitungan suku bunga harus dibagi 12

Pokok 649,413,900 Angsuran/Bln 5,639,875.62

SISA 5 TAHUN Pokok 572,386,871 Angsuran/Bln 7,242,080.05 SISA 3 TAHUN

pokok x suku bunga

Bulan AngKe O/S Pokok AngPokok Angs Bunga Angsuran Bulan

Pinjaman x suku bunga VARIABEL YANG

Pokok 613,335,350 Angsuran/Bln 5,861,352.06 Pokok

Pokok 541,488,112 Angsuran/Bln 7,443,432.27 SISA 3 TAHUN Pokok

pokok x suku bunga

AngKe O/S Pokok AngPokok Angs Bunga Angsuran Bulan AngKe

Pinjaman x suku bunga

613,335,350 Angsuran/Bln 5,598,910.75 Pokok 613,335,350 Angsuran/Bln

537,449,441 Angsuran/Bln 7,387,915.67

pokok x suku bunga

613,335,350 - - 1 607,512,815 5,822,535

bunga harus dibagi 12

pokok x suku bunga

Pokok 613,335,350 Bunga 667,002,193

Bulan AngKe O/S Pokok AngPokok Angs Bunga Angsuran

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