simulasi-angsuran-KPR
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ABCDEFGHIJKLMNOPQR
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CONTOH PERHITUNGAN ANGSURAN (ANUITAS)
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In Arrear = Angsuran mulai dibayar bulan berikutnyaIn Advance =angsuran dibayar pada saat awal (DP dibayar)
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Angsuran / blnAngsuran / bln
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8400240
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Ingat! Dalam perhitungan suku bunga harus dibagi 12Ingat! Dalam perhitungan suku bunga harus dibagi 12
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Ingat! Dalam perhitungan suku bunga harus dibagi 12
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Pokok171,000,000Angsuran/Blnk 2,495,362 Pokok171,000,000Angsuran/Bln 2,467,093
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Tenor (Bln)135Tot P+B336,873,811Tenor (Bln)135Tot P+B333,057,527
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Int (eff)13.75%Tot Bunga165,873,811Int (eff)14%Tot Bunga162,057,527
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Rumus dari excel:Rumus dari excel:
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=PMT (rate:nper;pv;fv;type)=PMT (rate:nper;pv;fv;type)
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=PMT(sukubunga/12, tenor,-pokok, pokok akan datang,0)=PMT(sukubunga/12, tenor,-pokok, pokok akan datang,1)
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BulanAngKeO/S PokokAngPokok Angs BungaAngsuranAngKeO/S PokokAngPokokBungaAngsuran
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00171,000,000001168,532,907 2,467,093 02,467,093
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11170,464,013535,9871,959,3752,495,3622167,996,921535,9871,931,1062,467,093
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22169,921,885542,1281,953,2332,495,3623167,454,793542,1281,924,9652,467,093
28
33169,373,545548,3401,947,0222,495,3624166,906,453548,3401,918,7532,467,093
29
44168,818,922554,6231,940,7392,495,3625166,351,830554,6231,912,4702,467,093
30
55168,257,944560,9781,934,3832,495,3626165,790,851560,9781,906,1152,467,093
31
66167,690,538567,4061,927,9562,495,3627165,223,446567,4061,899,6872,467,093
32
77167,116,631573,9071,921,4542,495,3628164,649,538573,9071,893,1852,467,093
33
88166,536,147580,4841,914,8782,495,3629164,069,055580,4841,886,6092,467,093
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99165,949,012587,1351,908,2272,495,36210163,481,920587,1351,879,9582,467,093
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1010165,355,150593,8621,901,4992,495,36211162,888,057593,8621,873,2302,467,093
36
1111164,754,483600,6671,894,6942,495,36212162,287,390600,6671,866,4262,467,093
37
1212164,146,933607,5501,887,8122,495,36213161,679,840607,5501,859,5432,467,093
38
1313163,532,422614,5111,880,8502,495,36214161,065,329614,5111,852,5822,467,093
39
1414162,910,869621,5531,873,8092,495,36215160,443,776621,5531,845,5402,467,093
40
1515162,282,195628,6751,866,6872,495,36216159,815,102628,6751,838,4182,467,093
41
1616161,646,317635,8781,859,4832,495,36217159,179,224635,8781,831,2152,467,093
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1717161,003,152643,1641,852,1972,495,36218158,536,060643,1641,823,9292,467,093
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1818160,352,619650,5341,844,8282,495,36219157,885,526650,5341,816,5592,467,093
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1919159,694,631657,9881,837,3742,495,36220157,227,538657,9881,809,1052,467,093
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2020159,029,104665,5271,829,8342,495,36221156,562,011665,5271,801,5662,467,093
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2121158,355,951673,1531,822,2082,495,36222155,888,858673,1531,793,9402,467,093
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2222157,675,084680,8661,814,4952,495,36223155,207,991680,8661,786,2262,467,093
48
2323156,986,416688,6681,806,6942,495,36224154,519,324688,6681,778,4252,467,093
49
2424156,289,857696,5591,798,8032,495,36225153,822,765696,5591,770,5342,467,093
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2525155,585,317704,5401,790,8212,495,36226153,118,224704,5401,762,5532,467,093
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2626154,872,704712,6131,782,7482,495,36227152,405,611712,6131,754,4802,467,093
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2727154,151,926720,7781,774,5832,495,36228151,684,833720,7781,746,3142,467,093
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2828153,422,888729,0371,766,3242,495,36229150,955,795729,0371,738,0552,467,093
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2929152,685,497737,3911,757,9712,495,36230150,218,404737,3911,729,7022,467,093
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3030151,939,657745,8401,749,5212,495,36231149,472,564745,8401,721,2532,467,093
56
3131151,185,271754,3861,740,9752,495,36232148,718,178754,3861,712,7062,467,093
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3232150,422,240763,0301,732,3312,495,36233147,955,147763,0301,704,0622,467,093
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3333149,650,467771,7731,723,5882,495,36234147,183,374771,7731,695,3192,467,093
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3434148,869,850780,6171,714,7452,495,36235146,402,757780,6171,686,4762,467,093
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3535148,080,289789,5611,705,8002,495,36236145,613,196789,5611,677,5322,467,093
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3636147,281,681798,6081,696,7532,495,36237144,814,588798,6081,668,4852,467,093
62
3737146,473,922807,7591,687,6032,495,36238144,006,829807,7591,659,3342,467,093
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3838145,656,907817,0151,678,3472,495,36239143,189,814817,0151,650,0782,467,093
64
3939144,830,531826,3761,668,9852,495,36240142,363,438826,3761,640,7172,467,093
65
4040143,994,686835,8451,659,5172,495,36241141,527,593835,8451,631,2482,467,093
66
4141143,149,264845,4221,649,9392,495,36242140,682,171845,4221,621,6702,467,093
67
4242142,294,154855,1101,640,2522,495,36243139,827,061855,1101,611,9832,467,093
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4343141,429,246864,9081,630,4542,495,36244138,962,153864,9081,602,1852,467,093
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4444140,554,428874,8181,620,5432,495,36245138,087,335874,8181,592,2752,467,093
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4545139,669,586884,8421,610,5192,495,36246137,202,493884,8421,582,2512,467,093
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4646138,774,605894,9811,600,3812,495,36247136,307,512894,9811,572,1122,467,093
72
4747137,869,369905,2361,590,1262,495,36248135,402,276905,2361,561,8572,467,093
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4848136,953,761915,6081,579,7532,495,36249134,486,668915,6081,551,4842,467,093
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4949136,027,661926,1001,569,2622,495,36250133,560,568926,1001,540,9932,467,093
75
5050135,090,950936,7111,558,6502,495,36251132,623,857936,7111,530,3822,467,093
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5151134,143,505947,4441,547,9172,495,36252131,676,413947,4441,519,6482,467,093
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5252133,185,205958,3011,537,0612,495,36253130,718,112958,3011,508,7922,467,093
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5353132,215,924969,2811,526,0802,495,36254129,748,831969,2811,497,8122,467,093
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5454131,235,536980,3871,514,9742,495,36255128,768,444980,3871,486,7052,467,093
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5555130,243,915991,6211,503,7412,495,36256127,776,822991,6211,475,4722,467,093
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5656129,240,9321,002,9831,492,3782,495,36257126,773,8391,002,9831,464,1092,467,093
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5757128,226,4561,014,4761,480,8862,495,36258125,759,3631,014,4761,452,6172,467,093
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5858127,200,3561,026,1001,469,2612,495,36259124,733,2631,026,1001,440,9932,467,093
84
5959126,162,4981,037,8571,457,5042,495,36260123,695,4061,037,8571,429,2352,467,093
85
6060125,112,7491,049,7501,445,6122,495,36261122,645,6561,049,7501,417,3432,467,093
86
6161124,050,9711,061,7781,433,5842,495,36262121,583,8781,061,7781,405,3152,467,093
87
6262122,977,0271,073,9441,421,4172,495,36263120,509,9341,073,9441,393,1492,467,093
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6363121,890,7771,086,2501,409,1122,495,36264119,423,6841,086,2501,380,8432,467,093
89
6464120,792,0801,098,6961,396,6652,495,36265118,324,9881,098,6961,368,3962,467,093
90
6565119,680,7951,111,2861,384,0762,495,36266117,213,7021,111,2861,355,8072,467,093
91
6666118,556,7761,124,0191,371,3422,495,36267116,089,6831,124,0191,343,0742,467,093
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6767117,419,8771,136,8991,358,4632,495,36268114,952,7841,136,8991,330,1942,467,093
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6868116,269,9521,149,9251,345,4362,495,36269113,802,8591,149,9251,317,1672,467,093
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6969115,106,8501,163,1021,332,2602,495,36270112,639,7571,163,1021,303,9912,467,093
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7070113,930,4211,176,4291,318,9332,495,36271111,463,3281,176,4291,290,6642,467,093
96
7171112,740,5121,189,9091,305,4532,495,36272110,273,4191,189,9091,277,1842,467,093
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7272111,536,9691,203,5431,291,8182,495,36273109,069,8761,203,5431,263,5502,467,093
98
7373110,319,6351,217,3341,278,0282,495,36274107,852,5421,217,3341,249,7592,467,093
99
7474109,088,3531,231,2821,264,0792,495,36275106,621,2601,231,2821,235,8102,467,093
100
7575107,842,9621,245,3911,249,9712,495,36276105,375,8691,245,3911,221,7022,467,093