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            Perhitungan Bunga Kredit

            Created by Abia Dena Askuba, Modified on Thu, 14 Mar, 2024 at 2:18 PM by Rinno Yunanto

            1. Perhitungan Bunga Kredit (Flat)


            Rumus Perhitungan Bunga Kredit (Flat)

            1. Nominal Bunga per Bulan = Bunga per Tahun dibagi 12 dikali Plafon

            2. Nominal Pokok per Bulan = Plafon dibagi Jumlah Angsuran

            3. Total Angsuran = Nominal Bunga per Bulan + Nominal Pokok per Bulan


            Simulasi
            Plafon200,000,000.00 
            Bunga per Tahun8.50%
            Jumlah Angsuran20


            Simulasi Jadwal Angsur Bunga Kredit Flat

            BulanTotal AngsuranBungaPokokSisa Pinjaman
            0000200,000,000.00
            111,416,666.671,416,666.6710,000,000.00190,000,000.00
            211,416,666.671,416,666.6710,000,000.00180,000,000.00
            311,416,666.671,416,666.6710,000,000.00170,000,000.00
            411,416,666.671,416,666.6710,000,000.00160,000,000.00
            511,416,666.671,416,666.6710,000,000.00150,000,000.00
            611,416,666.671,416,666.6710,000,000.00140,000,000.00
            711,416,666.671,416,666.6710,000,000.00130,000,000.00
            811,416,666.671,416,666.6710,000,000.00120,000,000.00
            911,416,666.671,416,666.6710,000,000.00110,000,000.00
            1011,416,666.671,416,666.6710,000,000.00100,000,000.00
            1111,416,666.671,416,666.6710,000,000.0090,000,000.00
            1211,416,666.671,416,666.6710,000,000.0080,000,000.00
            1311,416,666.671,416,666.6710,000,000.0070,000,000.00
            1411,416,666.671,416,666.6710,000,000.0060,000,000.00
            1511,416,666.671,416,666.6710,000,000.0050,000,000.00
            1611,416,666.671,416,666.6710,000,000.0040,000,000.00
            1711,416,666.671,416,666.6710,000,000.0030,000,000.00
            1811,416,666.671,416,666.6710,000,000.0020,000,000.00
            1911,416,666.671,416,666.6710,000,000.0010,000,000.00
            2011,416,666.671,416,666.6710,000,000.000.00


            2. Perhitungan Bunga Kredit (Efektif)

            Rumus Perhitungan Bunga Kredit (Efektif)

            1. Nominal Bunga per Bulan = Bunga per Tahun dibagi 12 dikali Baki Debet

            2. Nominal Pokok per Bulan = Plafon dibagi Jumlah Angsuran

            3. Total Angsuran = Nominal Bunga per Bulan + Nominal Pokok per Bulan


            Simulasi
            Plafon200,000,000.00 
            Bunga per Tahun18.00%
            Jumlah Angsuran20
            Bunga per Bulan1.50%


            Simulasi Jadwal Angsur Bunga Kredit Efektif

            BulanTotal AngsuranBungaPokokSisa Pinjaman
            0000200,000,000.00
            113,000,000.003,000,000.0010,000,000.00190,000,000.00
            212,850,000.002,850,000.0010,000,000.00180,000,000.00
            312,700,000.002,700,000.0010,000,000.00170,000,000.00
            412,550,000.002,550,000.0010,000,000.00160,000,000.00
            512,400,000.002,400,000.0010,000,000.00150,000,000.00
            612,250,000.002,250,000.0010,000,000.00140,000,000.00
            712,100,000.002,100,000.0010,000,000.00130,000,000.00
            811,950,000.001,950,000.0010,000,000.00120,000,000.00
            911,800,000.001,800,000.0010,000,000.00110,000,000.00
            1011,650,000.001,650,000.0010,000,000.00100,000,000.00
            1111,500,000.001,500,000.0010,000,000.0090,000,000.00
            1211,350,000.001,350,000.0010,000,000.0080,000,000.00
            1311,200,000.001,200,000.0010,000,000.0070,000,000.00
            1411,050,000.001,050,000.0010,000,000.0060,000,000.00
            1510,900,000.00900,000.0010,000,000.0050,000,000.00
            1610,750,000.00750,000.0010,000,000.0040,000,000.00
            1710,600,000.00600,000.0010,000,000.0030,000,000.00
            1810,450,000.00450,000.0010,000,000.0020,000,000.00
            1910,300,000.00300,000.0010,000,000.0010,000,000.00
            2010,150,000.00150,000.0010,000,000.000.00


            3. Perhitungan Bunga Kredit (Anuitas) 

            Rumus Perhitungan Bunga Kredit (Anuitas)

            		         a*P
            1. Nominal Total Angsuran =    ----------------

            		   1-(1/((1+a)^n)))

            ket:

               a = Bunga per Bulan

               P = Plafon

               n = Jangka Waktu


            2. Nominal Bunga per Bulan = Bunga per Tahun dibagi 12 dikali Baki Debet

            3. Nominal Pokok per Bulan = Nominal Total Angsuran - Nominal Bunga per Bulan


            Simulasi
            Pinjaman Pokok120,000,000 
            Bunga per Tahun18.00%
            Jumlah Angsuran20
            Bunga per Bulan1.5%


            Angsuran per bulan6,989,488.30



            Simulasi Jadwal Angsur Bunga Kredit Anuitas

            BulanTotal AngsuranBungaPokokSisa Pinjaman
            0000120,000,000.00
            16,989,488.301,800,000.005,189,488.30114,810,511.70
            26,989,488.301,722,157.685,267,330.63109,543,181.07
            36,989,488.301,643,147.725,346,340.59104,196,840.48
            46,989,488.301,562,952.615,426,535.7098,770,304.78
            56,989,488.301,481,554.575,507,933.7393,262,371.05
            66,989,488.301,398,935.575,590,552.7487,671,818.31
            76,989,488.301,315,077.275,674,411.0381,997,407.28
            86,989,488.301,229,961.115,759,527.2076,237,880.08
            96,989,488.301,143,568.205,845,920.1070,391,959.98
            106,989,488.301,055,879.405,933,608.9164,458,351.07
            116,989,488.30966,875.276,022,613.0458,435,738.03
            126,989,488.30876,536.076,112,952.2352,322,785.80
            136,989,488.30784,841.796,204,646.5246,118,139.28
            146,989,488.30691,772.096,297,716.2239,820,423.06
            156,989,488.30597,306.356,392,181.9633,428,241.11
            166,989,488.30501,423.626,488,064.6926,940,176.42
            176,989,488.30404,102.656,585,385.6620,354,790.76
            186,989,488.30305,321.866,684,166.4413,670,624.31
            196,989,488.30205,059.366,784,428.946,886,195.37
            206,989,488.30103,292.936,886,195.370.00


            4. Perhitungan Bunga Kredit (Bullet Pokok)


            Rumus Perhitungan Bunga Kredit (Bullet Pokok)    

            1. Nominal Bunga per Bulan = Bunga per Tahun dibagi 12 dikali Plafon    

            2. Nominal Pokok ditaruh di angsuran paling akhir


            Simulasi
            Pinjaman Pokok120,000,000 
            Bunga per Tahun18%
            Jumlah Angsuran20
            Bunga per Bulan1.5%


            Simulasi Jadwal Angsur Bunga Kredit Bullet Pokok

            BulanTotal AngsuranBungaPokokSisa Pinjaman
            0000120,000,000.00
            11,800,000.001,800,000.000120,000,000.00
            21,800,000.001,800,000.000120,000,000.00
            31,800,000.001,800,000.000120,000,000.00
            41,800,000.001,800,000.000120,000,000.00
            51,800,000.001,800,000.000120,000,000.00
            61,800,000.001,800,000.000120,000,000.00
            71,800,000.001,800,000.000120,000,000.00
            81,800,000.001,800,000.000120,000,000.00
            91,800,000.001,800,000.000120,000,000.00
            101,800,000.001,800,000.000120,000,000.00
            111,800,000.001,800,000.000120,000,000.00
            121,800,000.001,800,000.000120,000,000.00
            131,800,000.001,800,000.000120,000,000.00
            141,800,000.001,800,000.000120,000,000.00
            151,800,000.001,800,000.000120,000,000.00
            161,800,000.001,800,000.000120,000,000.00
            171,800,000.001,800,000.000120,000,000.00
            181,800,000.001,800,000.000120,000,000.00
            191,800,000.001,800,000.000120,000,000.00
            20121,800,000.001,800,000.00120,000,000.000.00


            5.  Perhitungan Bunga Kredit (Bullet Bunga)


            Rumus Perhitungan Bunga Kredit (Bullet Bunga)    

            1. Nominal Pokok per Bulan = Plafon dibagi Jumlah Angsuran    

            2. Nominal Bunga = Plafon dikali Bunga per Tahun dibagi 12 dikali Jangka Waktu    

            3. Nominal Bunga ditaruh di angsuran paling akhir


            Simulasi
            Pinjaman Pokok120,000,000 
            Bunga per Tahun18%
            Jumlah Angsuran20



            Simulasi Jadwal Angsur Bunga Kredit Bullet Bunga

            BulanTotal AngsuranBungaPokokSisa Pinjaman
            0000120,000,000.00
            16,000,000.0006,000,000.00114,000,000.00
            26,000,000.0006,000,000.00108,000,000.00
            36,000,000.0006,000,000.00102,000,000.00
            46,000,000.0006,000,000.0096,000,000.00
            56,000,000.0006,000,000.0090,000,000.00
            66,000,000.0006,000,000.0084,000,000.00
            76,000,000.0006,000,000.0078,000,000.00
            86,000,000.0006,000,000.0072,000,000.00
            96,000,000.0006,000,000.0066,000,000.00
            106,000,000.0006,000,000.0060,000,000.00
            116,000,000.0006,000,000.0054,000,000.00
            126,000,000.0006,000,000.0048,000,000.00
            136,000,000.0006,000,000.0042,000,000.00
            146,000,000.0006,000,000.0036,000,000.00
            156,000,000.0006,000,000.0030,000,000.00
            166,000,000.0006,000,000.0024,000,000.00
            176,000,000.0006,000,000.0018,000,000.00
            186,000,000.0006,000,000.0012,000,000.00
            196,000,000.0006,000,000.006,000,000.00
            2042,000,000.0036,000,000.006,000,000.000.00


            6. Perhitungan Bunga Kredit (Bullet Pokok + Bunga)

            Rumus Perhitungan Bunga Kredit (Bullet Pokok + Bunga)

            1. Nominal Pokok = Plafon

            2. Nominal Bunga = Plafon dikali Bunga per Tahun dibagi 12 dikali Jangka Waktu

            3. Nominal Pokok dan Bunga ditaruh di angsuran paling akhir


            Simulasi
            Pinjaman Pokok120,000,000 
            Bunga per Tahun18%
            Jumlah Angsuran20


            Simulasi Jadwal Angsur Bunga Kredit Bullet Pokok+Bunga

            BulanTotal AngsuranBungaPokokSisa Pinjaman
            0000120,000,000.00
            10.0000120,000,000.00
            20.0000120,000,000.00
            30.0000120,000,000.00
            40.0000120,000,000.00
            50.0000120,000,000.00
            60.0000120,000,000.00
            70.0000120,000,000.00
            80.0000120,000,000.00
            90.0000120,000,000.00
            100.0000120,000,000.00
            110.0000120,000,000.00
            120.0000120,000,000.00
            130.0000120,000,000.00
            140.0000120,000,000.00
            150.0000120,000,000.00
            160.0000120,000,000.00
            170.0000120,000,000.00
            180.0000120,000,000.00
            190.0000120,000,000.00
            20156,000,000.0036,000,000.00120,000,000.000.00

             

             

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