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SIMULASI KREDIT: BUNGA EFEKTIF VS BUNGA FLAT

Note: Kolom berwarna kuning bisa diubah untuk simulasi

BUNGA EFEKTIF

Hutang 100,000,000 Total Bayar 193,601,948.49

Bunga 15.00% per tahun Cicilan 1,613,349.57
Periode 10 tahun Total Bunga 93,601,948.49

Tabel Cicilan Dengan Perhitungan Bunga Efektif

Bulan Pokok Bunga Total Cicilan

1 363,349.57 1,250,000.00 1,613,349.57
2 367,891.44 1,245,458.13 1,613,349.57
3 372,490.08 1,240,859.49 1,613,349.57
4 377,146.21 1,236,203.36 1,613,349.57
5 381,860.54 1,231,489.03 1,613,349.57
6 386,633.79 1,226,715.78 1,613,349.57
7 391,466.72 1,221,882.85 1,613,349.57
8 396,360.05 1,216,989.52 1,613,349.57
9 401,314.55 1,212,035.02 1,613,349.57
10 406,330.98 1,207,018.59 1,613,349.57
11 411,410.12 1,201,939.45 1,613,349.57
12 416,552.75 1,196,796.82 1,613,349.57
13 421,759.66 1,191,589.91 1,613,349.57
14 427,031.65 1,186,317.92 1,613,349.57
15 432,369.55 1,180,980.02 1,613,349.57
16 437,774.17 1,175,575.40 1,613,349.57
17 443,246.34 1,170,103.23 1,613,349.57
18 448,786.92 1,164,562.65 1,613,349.57
19 454,396.76 1,158,952.81 1,613,349.57
20 460,076.72 1,153,272.85 1,613,349.57
21 465,827.68 1,147,521.89 1,613,349.57
22 471,650.52 1,141,699.05 1,613,349.57
23 477,546.16 1,135,803.42 1,613,349.57
24 483,515.48 1,129,834.09 1,613,349.57
25 489,559.43 1,123,790.14 1,613,349.57
26 495,678.92 1,117,670.65 1,613,349.57
27 501,874.91 1,111,474.67 1,613,349.57
28 508,148.34 1,105,201.23 1,613,349.57
29 514,500.20 1,098,849.38 1,613,349.57
30 520,931.45 1,092,418.12 1,613,349.57
31 527,443.09 1,085,906.48 1,613,349.57
32 534,036.13 1,079,313.44 1,613,349.57
33 540,711.58 1,072,637.99 1,613,349.57
34 547,470.48 1,065,879.09 1,613,349.57
35 554,313.86 1,059,035.71 1,613,349.57
36 561,242.78 1,052,106.79 1,613,349.57
37 568,258.32 1,045,091.26 1,613,349.57
38 575,361.54 1,037,988.03 1,613,349.57
39 582,553.56 1,030,796.01 1,613,349.57
40 589,835.48 1,023,514.09 1,613,349.57
41 597,208.43 1,016,141.14 1,613,349.57
42 604,673.53 1,008,676.04 1,613,349.57
43 612,231.95 1,001,117.62 1,613,349.57
44 619,884.85 993,464.72 1,613,349.57
45 627,633.41 985,716.16 1,613,349.57
46 635,478.83 977,870.74 1,613,349.57
47 643,422.31 969,927.26 1,613,349.57
48 651,465.09 961,884.48 1,613,349.57
49 659,608.41 953,741.16 1,613,349.57
50 667,853.51 945,496.06 1,613,349.57
51 676,201.68 937,147.89 1,613,349.57
52 684,654.20 928,695.37 1,613,349.57
53 693,212.38 920,137.19 1,613,349.57
54 701,877.53 911,472.04 1,613,349.57
55 710,651.00 902,698.57 1,613,349.57
56 719,534.14 893,815.43 1,613,349.57
57 728,528.32 884,821.25 1,613,349.57
58 737,634.92 875,714.65 1,613,349.57
59 746,855.36 866,494.21 1,613,349.57
60 756,191.05 857,158.52 1,613,349.57
61 765,643.44 847,706.13 1,613,349.57
62 775,213.98 838,135.59 1,613,349.57
63 784,904.16 828,445.42 1,613,349.57
64 794,715.46 818,634.11 1,613,349.57
65 804,649.40 808,700.17 1,613,349.57
66 814,707.52 798,642.05 1,613,349.57
67 824,891.36 788,458.21 1,613,349.57
68 835,202.50 778,147.07 1,613,349.57
69 845,642.54 767,707.04 1,613,349.57
70 856,213.07 757,136.50 1,613,349.57
71 866,915.73 746,433.84 1,613,349.57
72 877,752.18 735,597.39 1,613,349.57
73 888,724.08 724,625.49 1,613,349.57
74 899,833.13 713,516.44 1,613,349.57
75 911,081.04 702,268.53 1,613,349.57
76 922,469.56 690,880.01 1,613,349.57
77 934,000.43 679,349.14 1,613,349.57
78 945,675.43 667,674.14 1,613,349.57
79 957,496.38 655,853.20 1,613,349.57
80 969,465.08 643,884.49 1,613,349.57
81 981,583.39 631,766.18 1,613,349.57
82 993,853.19 619,496.38 1,613,349.57
83 1,006,276.35 607,073.22 1,613,349.57
84 1,018,854.81 594,494.77 1,613,349.57
85 1,031,590.49 581,759.08 1,613,349.57
86 1,044,485.37 568,864.20 1,613,349.57
87 1,057,541.44 555,808.13 1,613,349.57
88 1,070,760.71 542,588.86 1,613,349.57
89 1,084,145.22 529,204.36 1,613,349.57
90 1,097,697.03 515,652.54 1,613,349.57
91 1,111,418.24 501,931.33 1,613,349.57
92 1,125,310.97 488,038.60 1,613,349.57
 93 1,139,377.36 473,972.21 1,613,349.57
94 1,153,619.58 459,730.00 1,613,349.57
95 1,168,039.82 445,309.75 1,613,349.57
96 1,182,640.32 430,709.25 1,613,349.57
97 1,197,423.32 415,926.25 1,613,349.57
98 1,212,391.11 400,958.46 1,613,349.57
99 1,227,546.00 385,803.57 1,613,349.57
100 1,242,890.33 370,459.24 1,613,349.57
101 1,258,426.46 354,923.11 1,613,349.57
102 1,274,156.79 339,192.78 1,613,349.57
103 1,290,083.75 323,265.82 1,613,349.57
104 1,306,209.79 307,139.78 1,613,349.57
105 1,322,537.42 290,812.15 1,613,349.57
106 1,339,069.13 274,280.44 1,613,349.57
107 1,355,807.50 257,542.07 1,613,349.57
108 1,372,755.09 240,594.48 1,613,349.57
109 1,389,914.53 223,435.04 1,613,349.57
110 1,407,288.46 206,061.11 1,613,349.57
111 1,424,879.57 188,470.00 1,613,349.57
112 1,442,690.56 170,659.01 1,613,349.57
113 1,460,724.19 152,625.38 1,613,349.57
114 1,478,983.25 134,366.32 1,613,349.57
115 1,497,470.54 115,879.03 1,613,349.57
116 1,516,188.92 97,160.65 1,613,349.57
117 1,535,141.28 78,208.29 1,613,349.57
118 1,554,330.55 59,019.02 1,613,349.57
119 1,573,759.68 39,589.89 1,613,349.57
120 1,593,431.67 19,917.90 1,613,349.57
Total 100,000,000.00 93,601,948.49 193,601,948.49
BUNGA FLAT

Hutang 100,000,000 Total Bayar 206,103,156.22

Bunga 7.50% per tahun Cicilan 1,717,526.30
Periode 10 tahun Total Bunga 106,103,156.22

Tabel Cicilan Dengan Perhitungan Bunga Flat

Bulan Pokok Bunga Total Cicilan

1 833,333.33 884,192.97 1,717,526.30
2 833,333.33 884,192.97 1,717,526.30
3 833,333.33 884,192.97 1,717,526.30
4 833,333.33 884,192.97 1,717,526.30
5 833,333.33 884,192.97 1,717,526.30
6 833,333.33 884,192.97 1,717,526.30
7 833,333.33 884,192.97 1,717,526.30
8 833,333.33 884,192.97 1,717,526.30
9 833,333.33 884,192.97 1,717,526.30
10 833,333.33 884,192.97 1,717,526.30
11 833,333.33 884,192.97 1,717,526.30
12 833,333.33 884,192.97 1,717,526.30
13 833,333.33 884,192.97 1,717,526.30
14 833,333.33 884,192.97 1,717,526.30
15 833,333.33 884,192.97 1,717,526.30
16 833,333.33 884,192.97 1,717,526.30
17 833,333.33 884,192.97 1,717,526.30
18 833,333.33 884,192.97 1,717,526.30
19 833,333.33 884,192.97 1,717,526.30
20 833,333.33 884,192.97 1,717,526.30
21 833,333.33 884,192.97 1,717,526.30
22 833,333.33 884,192.97 1,717,526.30
23 833,333.33 884,192.97 1,717,526.30
24 833,333.33 884,192.97 1,717,526.30
25 833,333.33 884,192.97 1,717,526.30
26 833,333.33 884,192.97 1,717,526.30
27 833,333.33 884,192.97 1,717,526.30
28 833,333.33 884,192.97 1,717,526.30
29 833,333.33 884,192.97 1,717,526.30
30 833,333.33 884,192.97 1,717,526.30
31 833,333.33 884,192.97 1,717,526.30
32 833,333.33 884,192.97 1,717,526.30
33 833,333.33 884,192.97 1,717,526.30
34 833,333.33 884,192.97 1,717,526.30
35 833,333.33 884,192.97 1,717,526.30
36 833,333.33 884,192.97 1,717,526.30
37 833,333.33 884,192.97 1,717,526.30
38 833,333.33 884,192.97 1,717,526.30
39 833,333.33 884,192.97 1,717,526.30
40 833,333.33 884,192.97 1,717,526.30
41 833,333.33 884,192.97 1,717,526.30
42 833,333.33 884,192.97 1,717,526.30
43 833,333.33 884,192.97 1,717,526.30
44 833,333.33 884,192.97 1,717,526.30
45 833,333.33 884,192.97 1,717,526.30
46 833,333.33 884,192.97 1,717,526.30
47 833,333.33 884,192.97 1,717,526.30
48 833,333.33 884,192.97 1,717,526.30
49 833,333.33 884,192.97 1,717,526.30
50 833,333.33 884,192.97 1,717,526.30
51 833,333.33 884,192.97 1,717,526.30
52 833,333.33 884,192.97 1,717,526.30
53 833,333.33 884,192.97 1,717,526.30
54 833,333.33 884,192.97 1,717,526.30
55 833,333.33 884,192.97 1,717,526.30
56 833,333.33 884,192.97 1,717,526.30
57 833,333.33 884,192.97 1,717,526.30
58 833,333.33 884,192.97 1,717,526.30
59 833,333.33 884,192.97 1,717,526.30
60 833,333.33 884,192.97 1,717,526.30
61 833,333.33 884,192.97 1,717,526.30
62 833,333.33 884,192.97 1,717,526.30
63 833,333.33 884,192.97 1,717,526.30
64 833,333.33 884,192.97 1,717,526.30
65 833,333.33 884,192.97 1,717,526.30
66 833,333.33 884,192.97 1,717,526.30
67 833,333.33 884,192.97 1,717,526.30
68 833,333.33 884,192.97 1,717,526.30
69 833,333.33 884,192.97 1,717,526.30
70 833,333.33 884,192.97 1,717,526.30
71 833,333.33 884,192.97 1,717,526.30
72 833,333.33 884,192.97 1,717,526.30
73 833,333.33 884,192.97 1,717,526.30
74 833,333.33 884,192.97 1,717,526.30
75 833,333.33 884,192.97 1,717,526.30
76 833,333.33 884,192.97 1,717,526.30
77 833,333.33 884,192.97 1,717,526.30
78 833,333.33 884,192.97 1,717,526.30
79 833,333.33 884,192.97 1,717,526.30
80 833,333.33 884,192.97 1,717,526.30
81 833,333.33 884,192.97 1,717,526.30
82 833,333.33 884,192.97 1,717,526.30
83 833,333.33 884,192.97 1,717,526.30
84 833,333.33 884,192.97 1,717,526.30
85 833,333.33 884,192.97 1,717,526.30
86 833,333.33 884,192.97 1,717,526.30
87 833,333.33 884,192.97 1,717,526.30
88 833,333.33 884,192.97 1,717,526.30
89 833,333.33 884,192.97 1,717,526.30
90 833,333.33 884,192.97 1,717,526.30
91 833,333.33 884,192.97 1,717,526.30
92 833,333.33 884,192.97 1,717,526.30
 93 833,333.33 884,192.97 1,717,526.30
94 833,333.33 884,192.97 1,717,526.30
95 833,333.33 884,192.97 1,717,526.30
96 833,333.33 884,192.97 1,717,526.30
97 833,333.33 884,192.97 1,717,526.30
98 833,333.33 884,192.97 1,717,526.30
99 833,333.33 884,192.97 1,717,526.30
100 833,333.33 884,192.97 1,717,526.30
101 833,333.33 884,192.97 1,717,526.30
102 833,333.33 884,192.97 1,717,526.30
103 833,333.33 884,192.97 1,717,526.30
104 833,333.33 884,192.97 1,717,526.30
105 833,333.33 884,192.97 1,717,526.30
106 833,333.33 884,192.97 1,717,526.30
107 833,333.33 884,192.97 1,717,526.30
108 833,333.33 884,192.97 1,717,526.30
109 833,333.33 884,192.97 1,717,526.30
110 833,333.33 884,192.97 1,717,526.30
111 833,333.33 884,192.97 1,717,526.30
112 833,333.33 884,192.97 1,717,526.30
113 833,333.33 884,192.97 1,717,526.30
114 833,333.33 884,192.97 1,717,526.30
115 833,333.33 884,192.97 1,717,526.30
116 833,333.33 884,192.97 1,717,526.30
117 833,333.33 884,192.97 1,717,526.30
118 833,333.33 884,192.97 1,717,526.30
119 833,333.33 884,192.97 1,717,526.30
120 833,333.33 884,192.97 1,717,526.30
100,000,000.00 106,103,156.22 206,103,156.22