TABEL ANGSURAN KPR TAKE OVER

Suku Bunga : 8.80%

0.73%
p.a. effektif Fix 1 TAHUN
JANGKA WAKTU MULTIGUNA
PLAFON Tahun 1 2 3 4 5 6 7 8 9 10
D MGM Bulan 12 24 36 48 60 72 84 96 108 120
50,000,000 4,367,938 2,279,652 1,585,337 1,239,509 1,033,071 896,322 799,388 727,333 671,857 627,980
55,000,000 4,804,732 2,507,617 1,743,870 1,363,460 1,136,378 985,954 879,327 800,066 739,043 690,778
60,000,000 5,241,525 2,735,582 1,902,404 1,487,411 1,239,685 1,075,586 959,266 872,800 806,228 753,576
65,000,000 5,678,319 2,963,547 2,060,938 1,611,362 1,342,993 1,165,218 1,039,205 945,533 873,414 816,373
70,000,000 6,115,113 3,191,512 2,219,471 1,735,313 1,446,300 1,254,850 1,119,143 1,018,266 940,600 879,171
75,000,000 6,551,907 3,419,477 2,378,005 1,859,264 1,549,607 1,344,483 1,199,082 1,090,999 1,007,785 941,969
80,000,000 6,988,701 3,647,443 2,536,539 1,983,215 1,652,914 1,434,115 1,279,021 1,163,733 1,074,971 1,004,767
85,000,000 7,425,494 3,875,408 2,695,072 2,107,166 1,756,221 1,523,747 1,358,960 1,236,466 1,142,157 1,067,565
90,000,000 7,862,288 4,103,373 2,853,606 2,231,117 1,859,528 1,613,379 1,438,899 1,309,199 1,209,342 1,130,363
95,000,000 8,299,082 4,331,338 3,012,140 2,355,067 1,962,835 1,703,011 1,518,838 1,381,933 1,276,528 1,193,161
100,000,000 8,735,876 4,559,303 3,170,673 2,479,018 2,066,142 1,792,644 1,598,776 1,454,666 1,343,714 1,255,959
110,000,000 9,609,463 5,015,234 3,487,741 2,726,920 2,272,757 1,971,908 1,758,654 1,600,133 1,478,085 1,381,555
115,000,000 10,046,257 5,243,199 3,646,274 2,850,871 2,376,064 2,061,540 1,838,593 1,672,866 1,545,271 1,444,353
120,000,000 10,483,051 5,471,164 3,804,808 2,974,822 2,479,371 2,151,172 1,918,532 1,745,599 1,612,456 1,507,151
125,000,000 10,919,845 5,699,129 3,963,341 3,098,773 2,582,678 2,240,804 1,998,470 1,818,332 1,679,642 1,569,949
130,000,000 11,356,639 5,927,094 4,121,875 3,222,724 2,685,985 2,330,437 2,078,409 1,891,066 1,746,828 1,632,747
135,000,000 11,793,432 6,155,059 4,280,409 3,346,675 2,789,292 2,420,069 2,158,348 1,963,799 1,814,014 1,695,545
140,000,000 12,230,226 6,383,025 4,438,942 3,470,626 2,892,599 2,509,701 2,238,287 2,036,532 1,881,199 1,758,343
145,000,000 12,667,020 6,610,990 4,597,476 3,594,577 2,995,906 2,599,333 2,318,226 2,109,266 1,948,385 1,821,141
150,000,000 13,103,814 6,838,955 4,756,010 3,718,528 3,099,214 2,688,965 2,398,164 2,181,999 2,015,571 1,883,939
155,000,000 13,540,608 7,066,920 4,914,543 3,842,479 3,202,521 2,778,598 2,478,103 2,254,732 2,082,756 1,946,737
160,000,000 13,977,401 7,294,885 5,073,077 3,966,429 3,305,828 2,868,230 2,558,042 2,327,465 2,149,942 2,009,535
200,000,000 17,471,752 9,118,607 6,341,346 4,958,037 4,132,285 3,585,287 3,197,553 2,909,332 2,687,427 2,511,918
250,000,000 21,839,690 11,398,258 7,926,683 6,197,546 5,165,356 4,481,609 3,996,941 3,636,665 3,359,284 3,139,898
300,000,000 26,207,627 13,677,910 9,512,020 7,437,055 6,198,427 5,377,931 4,796,329 4,363,998 4,031,141 3,767,878
350,000,000 30,575,565 15,957,562 11,097,356 8,676,564 7,231,498 6,274,252 5,595,717 5,091,331 4,702,998 4,395,857
400,000,000 34,943,503 18,237,213 12,682,693 9,916,074 8,264,569 7,170,574 6,395,105 5,818,664 5,374,855 5,023,837
450,000,000 39,311,441 20,516,865 14,268,029 11,155,583 9,297,641 8,066,896 7,194,493 6,545,997 6,046,712 5,651,816
500,000,000 43,679,379 22,796,517 15,853,366 12,395,092 10,330,712 8,963,218 7,993,882 7,273,330 6,718,569 6,279,796
550,000,000 48,047,317 25,076,168 17,438,703 13,634,601 11,363,783 9,859,540 8,793,270 8,000,663 7,390,426 6,907,776
600,000,000 52,415,255 27,355,820 19,024,039 14,874,110 12,396,854 10,755,861 9,592,658 8,727,996 8,062,282 7,535,755
650,000,000 56,783,193 29,635,472 20,609,376 16,113,620 13,429,925 11,652,183 10,392,046 9,455,329 8,734,139 8,163,735
700,000,000 61,151,131 31,915,123 22,194,712 17,353,129 14,462,996 12,548,505 11,191,434 10,182,662 9,405,996 8,791,714
750,000,000 65,519,069 34,194,775 23,780,049 18,592,638 15,496,068 13,444,827 11,990,822 10,909,995 10,077,853 9,419,694
800,000,000 69,887,007 36,474,427 25,365,385 19,832,147 16,529,139 14,341,148 12,790,211 11,637,327 10,749,710 10,047,674
850,000,000 74,254,944 38,754,078 26,950,722 21,071,656 17,562,210 15,237,470 13,589,599 12,364,660 11,421,567 10,675,653
900,000,000 78,622,882 41,033,730 28,536,059 22,311,166 18,595,281 16,133,792 14,388,987 13,091,993 12,093,424 11,303,633
950,000,000 82,990,820 43,313,382 30,121,395 23,550,675 19,628,352 17,030,114 15,188,375 13,819,326 12,765,281 11,931,612
1,000,000,000 87,358,758 45,593,033 31,706,732 24,790,184 20,661,424 17,926,436 15,987,763 14,546,659 13,437,137 12,559,592

Cara membaca daftar angsuran :

Tanya : Berapa angsuran pinjaman karyawan untuk kredit Rp. 200 juta dengan jangka waktu 10 tahun ?
Jawab : Pertemukan kolom kredit Rp. 200 juta dengan jangka waktu 10 tahun (120 bulan), maka angsuran per bulan adalah Rp. 1,632,747 ,-

KOEFISIEN ANGSURAN PINJAMAN

JANGKA WAKTU (TAHUN)
1 2 3 4 5 6 7 8 9 10
NILAI KOEFISIEN 0.087358758 0.045593033 0.0317067319 0.024790184 0.020661424 0.0179264356 0.015987763 0.014546659 0.013437137 0.012559592

Contoh perhitungan dengan angka koefisien :

Tanya : Pinjaman Karyawan Rp. 250 Juta, Jangka waktu 5 tahun. Berapa angsurannya per bulan ?
Jawab : Angsuran/bulan adalah Rp. 250,000,000 dikalikan dgn. 0.020661424 (koefisien utk 5 tahun) = Rp. 5,165,356
 30.25% Suku Bunga :

K T A Mandiri Reguler
CICILAN PER BULAN
Limit Kredit
12 bulan 18 bulan 24 bulan 30 bulan 36 bulan
Sk. Bunga Flat/bln 1.43% 1.42% 1.44% 1.46% 1.48%
Factor Rate 9.76% 6.98% 5.60% 4.79% 4.26%

5,000,000 488,051 348,976 280,208 239,552 212,943

10,000,000 976,101 697,953 560,416 479,105 425,886
15,000,000 1,464,152 1,046,929 840,624 718,657 638,829
25,000,000 2,440,254 1,744,882 1,401,040 1,197,761 1,064,716
50,000,000 4,880,507 3,489,764 2,802,079 2,395,523 2,129,431
75,000,000 7,320,761 5,234,646 4,203,119 3,593,284 3,194,147
100,000,000 9,761,014 6,979,529 5,604,159 4,791,046 4,258,862
150,000,000 14,641,521 10,469,293 8,406,238 7,186,569 6,388,293
200,000,000 19,522,028 13,959,057 11,208,318 9,582,091 8,517,724
 TABEL ANGSURAN KPR TAKE OVER
Suku Bunga : 10.75%
0.90%
p.a Effektif fix 1 tahun

PLAFOND JANGKA WAKTU KPR

Tahun 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
KPR Bulan 12 24 36 48 60 72 84 96 108 120 132 144 156 168 180
50,000,000 4,413,254 2,324,593 1,631,023 1,286,214 1,080,898 945,314 849,564 778,695 724,400 681,693 647,400 619,402 596,234 576,848 560,474
75,000,000 6,619,882 3,486,889 2,446,534 1,929,321 1,621,347 1,417,971 1,274,345 1,168,043 1,086,601 1,022,540 971,099 929,103 894,351 865,272 840,711
100,000,000 8,826,509 4,649,185 3,262,045 2,572,428 2,161,795 1,890,628 1,699,127 1,557,390 1,448,801 1,363,387 1,294,799 1,238,804 1,192,469 1,153,696 1,120,948
125,000,000 11,033,136 5,811,482 4,077,557 3,215,535 2,702,244 2,363,285 2,123,909 1,946,738 1,811,001 1,704,234 1,618,499 1,548,505 1,490,586 1,442,120 1,401,185
150,000,000 13,239,763 6,973,778 4,893,068 3,858,642 3,242,693 2,835,942 2,548,691 2,336,085 2,173,201 2,045,080 1,942,199 1,858,206 1,788,703 1,730,544 1,681,422
175,000,000 15,446,390 8,136,075 5,708,579 4,501,750 3,783,142 3,308,599 2,973,472 2,725,433 2,535,402 2,385,927 2,265,899 2,167,907 2,086,820 2,018,968 1,961,659
200,000,000 17,653,018 9,298,371 6,524,091 5,144,857 4,323,591 3,781,256 3,398,254 3,114,780 2,897,602 2,726,774 2,589,599 2,477,609 2,384,937 2,307,392 2,241,896
225,000,000 19,859,645 10,460,667 7,339,602 5,787,964 4,864,040 4,253,913 3,823,036 3,504,128 3,259,802 3,067,620 2,913,298 2,787,310 2,683,054 2,595,816 2,522,133
250,000,000 22,066,272 11,622,964 8,155,113 6,431,071 5,404,488 4,726,569 4,247,818 3,893,476 3,622,002 3,408,467 3,236,998 3,097,011 2,981,172 2,884,240 2,802,370
275,000,000 24,272,899 12,785,260 8,970,625 7,074,178 5,944,937 5,199,226 4,672,600 4,282,823 3,984,203 3,749,314 3,560,698 3,406,712 3,279,289 3,172,664 3,082,607
300,000,000 26,479,526 13,947,556 9,786,136 7,717,285 6,485,386 5,671,883 5,097,381 4,672,171 4,346,403 4,090,160 3,884,398 3,716,413 3,577,406 3,461,088 3,362,844
325,000,000 28,686,154 15,109,853 10,601,647 8,360,392 7,025,835 6,144,540 5,522,163 5,061,518 4,708,603 4,431,007 4,208,098 4,026,114 3,875,523 3,749,512 3,643,081
350,000,000 30,892,781 16,272,149 11,417,159 9,003,499 7,566,284 6,617,197 5,946,945 5,450,866 5,070,803 4,771,854 4,531,798 4,335,815 4,173,640 4,037,936 3,923,318
375,000,000 33,099,408 17,434,446 12,232,670 9,646,606 8,106,733 7,089,854 6,371,727 5,840,213 5,433,004 5,112,701 4,855,497 4,645,516 4,471,757 4,326,360 4,203,555
400,000,000 35,306,035 18,596,742 13,048,181 10,289,713 8,647,181 7,562,511 6,796,509 6,229,561 5,795,204 5,453,547 5,179,197 4,955,217 4,769,875 4,614,784 4,483,792
425,000,000 37,512,662 19,759,038 13,863,693 10,932,820 9,187,630 8,035,168 7,221,290 6,618,909 6,157,404 5,794,394 5,502,897 5,264,918 5,067,992 4,903,208 4,764,029
450,000,000 39,719,290 20,921,335 14,679,204 11,575,927 9,728,079 8,507,825 7,646,072 7,008,256 6,519,604 6,135,241 5,826,597 5,574,619 5,366,109 5,191,632 5,044,266
475,000,000 41,925,917 22,083,631 15,494,715 12,219,034 10,268,528 8,980,482 8,070,854 7,397,604 6,881,805 6,476,087 6,150,297 5,884,320 5,664,226 5,480,056 5,324,503
500,000,000 44,132,544 23,245,927 16,310,227 12,862,142 10,808,977 9,453,139 8,495,636 7,786,951 7,244,005 6,816,934 6,473,997 6,194,021 5,962,343 5,768,480 5,604,740
525,000,000 46,339,171 24,408,224 17,125,738 13,505,249 11,349,426 9,925,796 8,920,417 8,176,299 7,606,205 7,157,781 6,797,696 6,503,722 6,260,460 6,056,904 5,884,977
550,000,000 48,545,799 25,570,520 17,941,249 14,148,356 11,889,875 10,398,453 9,345,199 8,565,646 7,968,405 7,498,627 7,121,396 6,813,424 6,558,577 6,345,328 6,165,214
575,000,000 50,752,426 26,732,817 18,756,761 14,791,463 12,430,323 10,871,110 9,769,981 8,954,994 8,330,605 7,839,474 7,445,096 7,123,125 6,856,695 6,633,752 6,445,451
600,000,000 52,959,053 27,895,113 19,572,272 15,434,570 12,970,772 11,343,767 10,194,763 9,344,341 8,692,806 8,180,321 7,768,796 7,432,826 7,154,812 6,922,176 6,725,688
625,000,000 55,165,680 29,057,409 20,387,783 16,077,677 13,511,221 11,816,424 10,619,545 9,733,689 9,055,006 8,521,168 8,092,496 7,742,527 7,452,929 7,210,600 7,005,925
650,000,000 57,372,307 30,219,706 21,203,295 16,720,784 14,051,670 12,289,081 11,044,326 10,123,037 9,417,206 8,862,014 8,416,196 8,052,228 7,751,046 7,499,024 7,286,162
675,000,000 59,578,935 31,382,002 22,018,806 17,363,891 14,592,119 12,761,738 11,469,108 10,512,384 9,779,406 9,202,861 8,739,895 8,361,929 8,049,163 7,787,448 7,566,399
700,000,000 61,785,562 32,544,298 22,834,317 18,006,998 15,132,568 13,234,395 11,893,890 10,901,732 10,141,607 9,543,708 9,063,595 8,671,630 8,347,280 8,075,872 7,846,636
725,000,000 63,992,189 33,706,595 23,649,829 18,650,105 15,673,016 13,707,051 12,318,672 11,291,079 10,503,807 9,884,554 9,387,295 8,981,331 8,645,398 8,364,296 8,126,873
750,000,000 66,198,816 34,868,891 24,465,340 19,293,212 16,213,465 14,179,708 12,743,453 11,680,427 10,866,007 10,225,401 9,710,995 9,291,032 8,943,515 8,652,720 8,407,110
775,000,000 68,405,443 36,031,187 25,280,851 19,936,319 16,753,914 14,652,365 13,168,235 12,069,774 11,228,207 10,566,248 10,034,695 9,600,733 9,241,632 8,941,144 8,687,347
800,000,000 70,612,071 37,193,484 26,096,363 20,579,426 17,294,363 15,125,022 13,593,017 12,459,122 11,590,408 10,907,094 10,358,395 9,910,434 9,539,749 9,229,568 8,967,584
850,000,000 75,025,325 39,518,077 27,727,385 21,865,641 18,375,261 16,070,336 14,442,581 13,237,817 12,314,808 11,588,788 11,005,794 10,529,836 10,135,983 9,806,416 9,528,058
900,000,000 79,438,579 41,842,669 29,358,408 23,151,855 19,456,158 17,015,650 15,292,144 14,016,512 13,039,209 12,270,481 11,653,194 11,149,239 10,732,218 10,383,264 10,088,532
950,000,000 83,851,834 44,167,262 30,989,431 24,438,069 20,537,056 17,960,964 16,141,708 14,795,207 13,763,609 12,952,175 12,300,594 11,768,641 11,328,452 10,960,112 10,649,006
1,000,000,000 88,265,088 46,491,855 32,620,453 25,724,283 21,617,954 18,906,278 16,991,271 15,573,902 14,488,010 13,633,868 12,947,993 12,388,043 11,924,686 11,536,960 11,209,480
1,100,000,000 97,091,597 51,141,040 35,882,499 28,296,711 23,779,749 20,796,906 18,690,398 17,131,293 15,936,811 14,997,255 14,242,793 13,626,847 13,117,155 12,690,656 12,330,428
1,500,000,000 132,397,632 69,737,782 48,930,680 38,586,425 32,426,931 28,359,417 25,486,907 23,360,854 21,732,014 20,450,802 19,421,990 18,582,064 17,887,029 17,305,440 16,814,220
1,700,000,000 150,050,650 79,036,153 55,454,771 43,731,281 36,750,521 32,140,672 28,885,161 26,475,634 24,629,616 23,177,576 22,011,589 21,059,673 20,271,967 19,612,832 19,056,116
5,000,000,000 441,325,441 232,459,274 163,102,266 128,621,415 108,089,768 94,531,390 84,956,357 77,869,512 72,440,048 68,169,340 64,739,967 61,940,214 59,623,431 57,684,800 56,047,399

Cara membaca daftar angsuran :

Tanya : Berapa angsuran pinjaman karyawan untuk kredit Rp. 200 juta dengan jangka waktu 10 tahun ?
Jawab : Pertemukan kolom kredit Rp. 200 juta dengan jangka waktu 10 tahun (120 bulan), maka angsuran per bulan adalah Rp. 2,726,774 ,-

KOEFISIEN ANGSURAN PINJAMAN

JANGKA WAKTU (TAHUN)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
NILAI KOEFISIEN 0.0882650882 0.0464918548 0.0326204532 0.0257242831 0.0216179537 0.0189062779 0.016991271 0.015573902 0.01448801 0.013633868 0.0129479933 0.012388043 0.01192469 0.01153696 0.01120948

Contoh perhitungan dengan angka koefisien :

Tanya : Pinjaman Karyawan Rp. 200 Juta, Jangka waktu 5 tahun. Berapa angsurannya per bulan ?
Jawab : Angsuran/bulan adalah Rp. 200,000,000 dikalikan dgn. 0.0216179537 (koefisien utk 5 tahun) = Rp. 4,323,591
 21.00%

K T A Payroll & Take Over

CICILAN PER BULAN
Limit Kredit
12 bulan 18 bulan 24 bulan 30 bulan 36 bulan 42 bulan 48 bulan 54 bulan 60 bulan

Sk. Bunga Flat/bln 0.98% 0.97% 0.97% 0.98% 0.99% 1.00% 1.01% 1.03% 1.04%
Factor Rate 9.31% 6.52% 5.14% 4.31% 3.77% 3.38% 3.10% 2.88% 2.71%

5,000,000 465,569 326,225 256,928 215,649 188,375 169,103 154,828 143,884 135,267

10,000,000 931,138 652,449 513,857 431,298 376,751 338,206 309,657 287,767 270,534

15,000,000 1,396,707 978,674 770,785 646,946 565,126 507,309 464,485 431,651 405,800

25,000,000 2,327,844 1,631,123 1,284,641 1,078,244 941,877 845,514 774,142 719,418 676,334

50,000,000 4,655,689 3,262,246 2,569,283 2,156,488 1,883,753 1,691,029 1,548,285 1,438,836 1,352,668

75,000,000 6,983,533 4,893,369 3,853,924 3,234,732 2,825,630 2,536,543 2,322,427 2,158,254 2,029,002

100,000,000 9,311,377 6,524,492 5,138,565 4,312,975 3,767,507 3,382,057 3,096,569 2,877,672 2,705,336

150,000,000 13,967,066 9,786,739 7,707,848 6,469,463 5,651,260 5,073,086 4,644,854 4,316,508 4,058,004

200,000,000 18,622,755 13,048,985 10,277,130 8,625,951 7,535,013 6,764,115 6,193,139 5,755,343 5,410,672
 TABEL ANGSURAN KPR MANDIRI SECONDARY
Suku Bunga : 10.50%
0.88%
p.a. effektif fixed 1 TAHUN

PLAFOND JANGKA WAKTU KPR

Tahun 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
KPR Bulan 12 24 36 48 60 72 84 96 108 120 132 144 156 168 180
50,000,000 4,407,430 2,318,802 1,625,122 1,280,169 1,074,695 938,948 843,034 772,001 717,543 674,675 640,223 612,070 588,751 569,217 552,699
75,000,000 6,611,145 3,478,203 2,437,683 1,920,253 1,612,043 1,408,423 1,264,550 1,158,001 1,076,315 1,012,012 960,334 918,106 883,126 853,826 829,049
100,000,000 8,814,860 4,637,604 3,250,244 2,560,338 2,149,390 1,877,897 1,686,067 1,544,002 1,435,086 1,349,350 1,280,446 1,224,141 1,177,502 1,138,434 1,105,399
125,000,000 11,018,575 5,797,005 4,062,805 3,200,422 2,686,738 2,347,371 2,107,584 1,930,002 1,793,858 1,686,687 1,600,557 1,530,176 1,471,877 1,423,043 1,381,749
150,000,000 13,222,290 6,956,406 4,875,367 3,840,507 3,224,085 2,816,845 2,529,101 2,316,002 2,152,629 2,024,025 1,920,669 1,836,211 1,766,253 1,707,651 1,658,098
175,000,000 15,426,006 8,115,807 5,687,928 4,480,591 3,761,433 3,286,320 2,950,618 2,702,003 2,511,401 2,361,362 2,240,780 2,142,246 2,060,628 1,992,260 1,934,448
200,000,000 17,629,721 9,275,208 6,500,489 5,120,676 4,298,780 3,755,794 3,372,135 3,088,003 2,870,172 2,698,700 2,560,892 2,448,281 2,355,004 2,276,868 2,210,798
225,000,000 19,833,436 10,434,609 7,313,050 5,760,760 4,836,128 4,225,268 3,793,651 3,474,004 3,228,944 3,036,037 2,881,003 2,754,317 2,649,379 2,561,477 2,487,148
250,000,000 22,037,151 11,594,010 8,125,611 6,400,845 5,373,475 4,694,742 4,215,168 3,860,004 3,587,715 3,373,375 3,201,115 3,060,352 2,943,755 2,846,085 2,763,497
275,000,000 24,240,866 12,753,411 8,938,172 7,040,929 5,910,823 5,164,217 4,636,685 4,246,004 3,946,487 3,710,712 3,521,226 3,366,387 3,238,130 3,130,694 3,039,847
300,000,000 26,444,581 13,912,812 9,750,733 7,681,014 6,448,170 5,633,691 5,058,202 4,632,005 4,305,258 4,048,050 3,841,338 3,672,422 3,532,506 3,415,302 3,316,197
325,000,000 28,648,296 15,072,214 10,563,294 8,321,098 6,985,518 6,103,165 5,479,719 5,018,005 4,664,030 4,385,387 4,161,449 3,978,457 3,826,881 3,699,911 3,592,547
350,000,000 30,852,011 16,231,615 11,375,855 8,961,183 7,522,865 6,572,639 5,901,236 5,404,006 5,022,801 4,722,725 4,481,561 4,284,492 4,121,257 3,984,519 3,868,896
375,000,000 33,055,726 17,391,016 12,188,416 9,601,267 8,060,213 7,042,114 6,322,752 5,790,006 5,381,573 5,060,062 4,801,672 4,590,528 4,415,632 4,269,128 4,145,246
400,000,000 35,259,441 18,550,417 13,000,977 10,241,352 8,597,560 7,511,588 6,744,269 6,176,006 5,740,344 5,397,400 5,121,784 4,896,563 4,710,008 4,553,736 4,421,596
425,000,000 37,463,156 19,709,818 13,813,538 10,881,436 9,134,908 7,981,062 7,165,786 6,562,007 6,099,116 5,734,737 5,441,895 5,202,598 5,004,383 4,838,345 4,697,945
450,000,000 39,666,871 20,869,219 14,626,100 11,521,521 9,672,255 8,450,536 7,587,303 6,948,007 6,457,888 6,072,075 5,762,007 5,508,633 5,298,759 5,122,953 4,974,295
475,000,000 41,870,586 22,028,620 15,438,661 12,161,605 10,209,603 8,920,011 8,008,820 7,334,008 6,816,659 6,409,412 6,082,118 5,814,668 5,593,134 5,407,562 5,250,645
500,000,000 44,074,301 23,188,021 16,251,222 12,801,690 10,746,950 9,389,485 8,430,337 7,720,008 7,175,431 6,746,750 6,402,230 6,120,703 5,887,510 5,692,170 5,526,995
525,000,000 46,278,017 24,347,422 17,063,783 13,441,774 11,284,298 9,858,959 8,851,853 8,106,009 7,534,202 7,084,087 6,722,341 6,426,739 6,181,885 5,976,779 5,803,344
550,000,000 48,481,732 25,506,823 17,876,344 14,081,859 11,821,645 10,328,433 9,273,370 8,492,009 7,892,974 7,421,425 7,042,453 6,732,774 6,476,261 6,261,387 6,079,694
575,000,000 50,685,447 26,666,224 18,688,905 14,721,943 12,358,993 10,797,908 9,694,887 8,878,009 8,251,745 7,758,762 7,362,564 7,038,809 6,770,636 6,545,996 6,356,044
600,000,000 52,889,162 27,825,625 19,501,466 15,362,028 12,896,340 11,267,382 10,116,404 9,264,010 8,610,517 8,096,100 7,682,676 7,344,844 7,065,012 6,830,604 6,632,394
625,000,000 55,092,877 28,985,026 20,314,027 16,002,112 13,433,688 11,736,856 10,537,921 9,650,010 8,969,288 8,433,437 8,002,787 7,650,879 7,359,387 7,115,213 6,908,743
650,000,000 57,296,592 30,144,427 21,126,588 16,642,197 13,971,035 12,206,330 10,959,438 10,036,011 9,328,060 8,770,775 8,322,899 7,956,914 7,653,763 7,399,821 7,185,093
675,000,000 59,500,307 31,303,828 21,939,149 17,282,281 14,508,383 12,675,805 11,380,954 10,422,011 9,686,831 9,108,112 8,643,010 8,262,950 7,948,138 7,684,430 7,461,443
700,000,000 61,704,022 32,463,229 22,751,710 17,922,366 15,045,730 13,145,279 11,802,471 10,808,011 10,045,603 9,445,450 8,963,121 8,568,985 8,242,514 7,969,038 7,737,792
725,000,000 63,907,737 33,622,630 23,564,272 18,562,450 15,583,078 13,614,753 12,223,988 11,194,012 10,404,374 9,782,787 9,283,233 8,875,020 8,536,889 8,253,647 8,014,142
750,000,000 66,111,452 34,782,031 24,376,833 19,202,535 16,120,425 14,084,227 12,645,505 11,580,012 10,763,146 10,120,125 9,603,344 9,181,055 8,831,265 8,538,255 8,290,492
775,000,000 68,315,167 35,941,432 25,189,394 19,842,619 16,657,773 14,553,702 13,067,022 11,966,013 11,121,917 10,457,462 9,923,456 9,487,090 9,125,640 8,822,864 8,566,842
800,000,000 70,518,882 37,100,833 26,001,955 20,482,704 17,195,120 15,023,176 13,488,539 12,352,013 11,480,689 10,794,800 10,243,567 9,793,125 9,420,016 9,107,472 8,843,191
850,000,000 74,926,312 39,419,635 27,627,077 21,762,873 18,269,815 15,962,124 14,331,572 13,124,014 12,198,232 11,469,475 10,883,790 10,405,196 10,008,767 9,676,689 9,395,891
900,000,000 79,333,743 41,738,437 29,252,199 23,043,042 19,344,510 16,901,073 15,174,606 13,896,015 12,915,775 12,144,150 11,524,013 11,017,266 10,597,518 10,245,906 9,948,590
950,000,000 83,741,173 44,057,240 30,877,321 24,323,211 20,419,205 17,840,021 16,017,639 14,668,015 13,633,318 12,818,825 12,164,236 11,629,337 11,186,269 10,815,123 10,501,290
1,000,000,000 88,148,603 46,376,042 32,502,444 25,603,380 21,493,900 18,778,970 16,860,673 15,440,016 14,350,861 13,493,500 12,804,459 12,241,407 11,775,020 11,384,340 11,053,989
1,100,000,000 96,963,463 51,013,646 35,752,688 28,163,718 23,643,290 20,656,867 18,546,740 16,984,018 15,785,947 14,842,850 14,084,905 13,465,548 12,952,522 12,522,774 12,159,388
1,500,000,000 132,222,904 69,564,062 48,753,665 38,405,070 32,240,851 28,168,455 25,291,010 23,160,024 21,526,292 20,240,250 19,206,689 18,362,110 17,662,529 17,076,510 16,580,984
1,700,000,000 149,852,625 78,839,271 55,254,154 43,525,746 36,539,631 31,924,249 28,663,144 26,248,028 24,396,464 22,938,949 21,767,581 20,810,392 20,017,533 19,353,378 18,791,782
5,000,000,000 440,743,014 231,880,208 162,512,218 128,016,899 107,469,502 93,894,850 84,303,366 77,200,081 71,754,306 67,467,498 64,022,296 61,207,034 58,875,098 56,921,701 55,269,946

Cara membaca daftar angsuran :

Tanya : Berapa angsuran pinjaman karyawan untuk kredit Rp. 200 juta dengan jangka waktu 10 tahun ?
Jawab : Pertemukan kolom kredit Rp. 200 juta dengan jangka waktu 10 tahun (120 bulan), maka angsuran per bulan adalah Rp. 2,698,700 ,-

KOEFISIEN ANGSURAN PINJAMAN

JANGKA WAKTU (TAHUN)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
NILAI KOEFISIEN 0.088148603 0.046376042 0.0325024435 0.0256033798 0.0214939004 0.01877897 0.016860673 0.0154400162 0.0143508612 0.0134934997 0.0128044593 0.01224141 0.01177502 0.01138434 0.0110539892

Contoh perhitungan dengan angka koefisien :

Tanya : Pinjaman Karyawan Rp. 200 Juta, Jangka waktu 5 tahun. Berapa angsurannya per bulan ?
Jawab : Angsuran/bulan adalah Rp. 200,000,000 dikalikan dgn. 0.0214939004 (koefisien utk 5 tahun) = Rp. 4,298,780
 TABEL ANGSURAN MULTIGUNA
Suku Bunga : 11.50%
0.96%
p.a. effektif Fix 6 bln
JANGKA WAKTU MULTIGUNA
PLAFON Tahun 1 2 3 4 5 6 7 8 9 10
D MGM Bulan 12 24 36 48 60 72 84 96 108 120
50,000,000 4,430,753 2,342,016 1,648,800 1,304,450 1,099,630 964,558 869,323 798,969 745,183 702,977
55,000,000 4,873,828 2,576,217 1,813,680 1,434,895 1,209,593 1,061,014 956,255 878,866 819,701 773,275
60,000,000 5,316,903 2,810,419 1,978,560 1,565,341 1,319,556 1,157,469 1,043,188 958,762 894,220 843,573
65,000,000 5,759,979 3,044,620 2,143,440 1,695,786 1,429,519 1,253,925 1,130,120 1,038,659 968,738 913,870
70,000,000 6,203,054 3,278,822 2,308,320 1,826,231 1,539,483 1,350,381 1,217,052 1,118,556 1,043,256 984,168
75,000,000 6,646,129 3,513,024 2,473,200 1,956,676 1,649,446 1,446,837 1,303,985 1,198,453 1,117,775 1,054,466
80,000,000 7,089,204 3,747,225 2,638,081 2,087,121 1,759,409 1,543,292 1,390,917 1,278,350 1,192,293 1,124,764
85,000,000 7,532,280 3,981,427 2,802,961 2,217,566 1,869,372 1,639,748 1,477,849 1,358,247 1,266,811 1,195,061
90,000,000 7,975,355 4,215,628 2,967,841 2,348,011 1,979,335 1,736,204 1,564,781 1,438,144 1,341,329 1,265,359
95,000,000 8,418,430 4,449,830 3,132,721 2,478,456 2,089,298 1,832,660 1,651,714 1,518,041 1,415,848 1,335,657
100,000,000 8,861,505 4,684,032 3,297,601 2,608,901 2,199,261 1,929,116 1,738,646 1,597,937 1,490,366 1,405,954
110,000,000 9,747,656 5,152,435 3,627,361 2,869,791 2,419,187 2,122,027 1,912,511 1,757,731 1,639,403 1,546,550
115,000,000 10,190,731 5,386,636 3,792,241 3,000,236 2,529,150 2,218,483 1,999,443 1,837,628 1,713,921 1,616,848
120,000,000 10,633,806 5,620,838 3,957,121 3,130,681 2,639,113 2,314,939 2,086,375 1,917,525 1,788,439 1,687,145
125,000,000 11,076,882 5,855,039 4,122,001 3,261,126 2,749,076 2,411,395 2,173,308 1,997,422 1,862,958 1,757,443
130,000,000 11,519,957 6,089,241 4,286,881 3,391,571 2,859,039 2,507,850 2,260,240 2,077,319 1,937,476 1,827,741
135,000,000 11,963,032 6,323,443 4,451,761 3,522,016 2,969,002 2,604,306 2,347,172 2,157,215 2,011,994 1,898,038
140,000,000 12,406,108 6,557,644 4,616,641 3,652,461 3,078,965 2,700,762 2,434,105 2,237,112 2,086,512 1,968,336
145,000,000 12,849,183 6,791,846 4,781,521 3,782,906 3,188,928 2,797,218 2,521,037 2,317,009 2,161,031 2,038,634
150,000,000 13,292,258 7,026,047 4,946,401 3,913,351 3,298,891 2,893,673 2,607,969 2,396,906 2,235,549 2,108,932
155,000,000 13,735,333 7,260,249 5,111,281 4,043,796 3,408,854 2,990,129 2,694,901 2,476,803 2,310,067 2,179,229
160,000,000 14,178,409 7,494,450 5,276,161 4,174,241 3,518,817 3,086,585 2,781,834 2,556,700 2,384,586 2,249,527
200,000,000 17,723,011 9,368,063 6,595,201 5,217,802 4,398,521 3,858,231 3,477,292 3,195,875 2,980,732 2,811,909
250,000,000 22,153,763 11,710,079 8,244,002 6,522,252 5,498,152 4,822,789 4,346,615 3,994,843 3,725,915 3,514,886
300,000,000 26,584,516 14,052,095 9,892,802 7,826,703 6,597,782 5,787,347 5,215,938 4,793,812 4,471,098 4,217,863
350,000,000 31,015,269 16,394,110 11,541,602 9,131,153 7,697,413 6,751,905 6,085,261 5,592,781 5,216,281 4,920,841
400,000,000 35,446,022 18,736,126 13,190,403 10,435,604 8,797,043 7,716,462 6,954,584 6,391,750 5,961,464 5,623,818
450,000,000 39,876,774 21,078,142 14,839,203 11,740,054 9,896,673 8,681,020 7,823,907 7,190,718 6,706,647 6,326,795
500,000,000 44,307,527 23,420,158 16,488,003 13,044,504 10,996,304 9,645,578 8,693,230 7,989,687 7,451,830 7,029,772
550,000,000 48,738,280 25,762,173 18,136,804 14,348,955 12,095,934 10,610,136 9,562,553 8,788,656 8,197,013 7,732,749
600,000,000 53,169,032 28,104,189 19,785,604 15,653,405 13,195,564 11,574,694 10,431,876 9,587,624 8,942,196 8,435,727
650,000,000 57,599,785 30,446,205 21,434,404 16,957,856 14,295,195 12,539,252 11,301,200 10,386,593 9,687,379 9,138,704
700,000,000 62,030,538 32,788,221 23,083,205 18,262,306 15,394,825 13,503,809 12,170,523 11,185,562 10,432,562 9,841,681
750,000,000 66,461,290 35,130,236 24,732,005 19,566,757 16,494,456 14,468,367 13,039,846 11,984,530 11,177,745 10,544,658
800,000,000 70,892,043 37,472,252 26,380,805 20,871,207 17,594,086 15,432,925 13,909,169 12,783,499 11,922,928 11,247,636
850,000,000 75,322,796 39,814,268 28,029,605 22,175,658 18,693,716 16,397,483 14,778,492 13,582,468 12,668,111 11,950,613
900,000,000 79,753,548 42,156,284 29,678,406 23,480,108 19,793,347 17,362,041 15,647,815 14,381,436 13,413,294 12,653,590
950,000,000 84,184,301 44,498,300 31,327,206 24,784,558 20,892,977 18,326,598 16,517,138 15,180,405 14,158,477 13,356,567
1,000,000,000 88,615,054 46,840,315 32,976,006 26,089,009 21,992,607 19,291,156 17,386,461 15,979,374 14,903,660 14,059,544

Cara membaca daftar angsuran :

Tanya : Berapa angsuran pinjaman karyawan untuk kredit Rp. 200 juta dengan jangka waktu 10 tahun ?
Jawab : Pertemukan kolom kredit Rp. 200 juta dengan jangka waktu 10 tahun (120 bulan), maka angsuran per bulan adalah Rp. 1,827,741 ,-

KOEFISIEN ANGSURAN PINJAMAN

JANGKA WAKTU (TAHUN)
1 2 3 4 5 6 7 8 9 10
NILAI KOEFISIEN 0.088615054 0.046840315 0.0329760064 0.0260890089 0.021992607 0.0192911562 0.017386461 0.015979374 0.01490366 0.014059544

Contoh perhitungan dengan angka koefisien :

Tanya : Pinjaman Karyawan Rp. 250 Juta, Jangka waktu 5 tahun. Berapa angsurannya per bulan ?
Jawab : Angsuran/bulan adalah Rp. 250,000,000 dikalikan dgn. 0.021992607 (koefisien utk 5 tahun) = Rp. 5,498,152