Simulasi KPR Bank DKI Rp 300 juta Tenor 5 tahun
Hitung cicilan KPR Bank DKI untuk pinjaman Rp 300 juta dengan tenor 5 tahun. Pakai parameter rate card publik PT Bank DKI.
Data per 02-05-2026 · Sumber: Rate card publik Bank DKI
Cicilan tahun fixed (3 tahun pertama)
Rp 5.765.030/bulan
Lalu cicilan estimasi tahun floating: Rp 5.987.563/bulan
Sesuaikan parameter
Simulasi memakai parameter Bank DKI KPR. Silakan ubah angka di bawah untuk skenario Anda.
Pokok pinjaman
Rp 720.000.000
Uang muka (DP)
Rp 80.000.000 (10%)
Cicilan bulanan tahun fixed (3 tahun pertama)
Rp 5.978.953
Cicilan estimasi tahun floating (sisa 12 tahun)
Rp 7.241.917
Total bunga / margin dibayar
Rp 538.078.406
Total dibayar (pokok + bunga)
Rp 1.258.078.406
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 5.978.953 | Rp 2.528.953 | Rp 3.450.000 | Rp 717.471.047 | fixed |
| 2 | Rp 5.978.953 | Rp 2.541.071 | Rp 3.437.882 | Rp 714.929.977 | fixed |
| 3 | Rp 5.978.953 | Rp 2.553.246 | Rp 3.425.706 | Rp 712.376.730 | fixed |
| 4 | Rp 5.978.953 | Rp 2.565.481 | Rp 3.413.472 | Rp 709.811.250 | fixed |
| 5 | Rp 5.978.953 | Rp 2.577.774 | Rp 3.401.179 | Rp 707.233.476 | fixed |
| 6 | Rp 5.978.953 | Rp 2.590.126 | Rp 3.388.827 | Rp 704.643.350 | fixed |
| 7 | Rp 5.978.953 | Rp 2.602.537 | Rp 3.376.416 | Rp 702.040.814 | fixed |
| 8 | Rp 5.978.953 | Rp 2.615.007 | Rp 3.363.946 | Rp 699.425.807 | fixed |
| 9 | Rp 5.978.953 | Rp 2.627.537 | Rp 3.351.415 | Rp 696.798.269 | fixed |
| 10 | Rp 5.978.953 | Rp 2.640.128 | Rp 3.338.825 | Rp 694.158.142 | fixed |
| 11 | Rp 5.978.953 | Rp 2.652.778 | Rp 3.326.174 | Rp 691.505.364 | fixed |
| 12 | Rp 5.978.953 | Rp 2.665.489 | Rp 3.313.463 | Rp 688.839.874 | fixed |
| 13 | Rp 5.978.953 | Rp 2.678.262 | Rp 3.300.691 | Rp 686.161.613 | fixed |
| 14 | Rp 5.978.953 | Rp 2.691.095 | Rp 3.287.858 | Rp 683.470.518 | fixed |
| 15 | Rp 5.978.953 | Rp 2.703.990 | Rp 3.274.963 | Rp 680.766.528 | fixed |
| 16 | Rp 5.978.953 | Rp 2.716.946 | Rp 3.262.006 | Rp 678.049.582 | fixed |
| 17 | Rp 5.978.953 | Rp 2.729.965 | Rp 3.248.988 | Rp 675.319.617 | fixed |
| 18 | Rp 5.978.953 | Rp 2.743.046 | Rp 3.235.906 | Rp 672.576.570 | fixed |
| 19 | Rp 5.978.953 | Rp 2.756.190 | Rp 3.222.763 | Rp 669.820.381 | fixed |
| 20 | Rp 5.978.953 | Rp 2.769.397 | Rp 3.209.556 | Rp 667.050.984 | fixed |
| 21 | Rp 5.978.953 | Rp 2.782.667 | Rp 3.196.286 | Rp 664.268.317 | fixed |
| 22 | Rp 5.978.953 | Rp 2.796.000 | Rp 3.182.952 | Rp 661.472.317 | fixed |
| 23 | Rp 5.978.953 | Rp 2.809.398 | Rp 3.169.555 | Rp 658.662.919 | fixed |
| 24 | Rp 5.978.953 | Rp 2.822.859 | Rp 3.156.093 | Rp 655.840.060 | fixed |
| 25 | Rp 5.978.953 | Rp 2.836.386 | Rp 3.142.567 | Rp 653.003.674 | fixed |
| 26 | Rp 5.978.953 | Rp 2.849.977 | Rp 3.128.976 | Rp 650.153.697 | fixed |
| 27 | Rp 5.978.953 | Rp 2.863.633 | Rp 3.115.320 | Rp 647.290.065 | fixed |
| 28 | Rp 5.978.953 | Rp 2.877.354 | Rp 3.101.598 | Rp 644.412.710 | fixed |
| 29 | Rp 5.978.953 | Rp 2.891.142 | Rp 3.087.811 | Rp 641.521.568 | fixed |
| 30 | Rp 5.978.953 | Rp 2.904.995 | Rp 3.073.958 | Rp 638.616.573 | fixed |
| 31 | Rp 5.978.953 | Rp 2.918.915 | Rp 3.060.038 | Rp 635.697.658 | fixed |
| 32 | Rp 5.978.953 | Rp 2.932.901 | Rp 3.046.051 | Rp 632.764.757 | fixed |
| 33 | Rp 5.978.953 | Rp 2.946.955 | Rp 3.031.998 | Rp 629.817.802 | fixed |
| 34 | Rp 5.978.953 | Rp 2.961.076 | Rp 3.017.877 | Rp 626.856.727 | fixed |
| 35 | Rp 5.978.953 | Rp 2.975.264 | Rp 3.003.688 | Rp 623.881.462 | fixed |
| 36 | Rp 5.978.953 | Rp 2.989.521 | Rp 2.989.432 | Rp 620.891.942 | fixed |
| 37 | Rp 7.241.917 | Rp 2.326.523 | Rp 4.915.395 | Rp 618.565.419 | floating |
| 38 | Rp 7.241.917 | Rp 2.344.941 | Rp 4.896.976 | Rp 616.220.478 | floating |
| 39 | Rp 7.241.917 | Rp 2.363.505 | Rp 4.878.412 | Rp 613.856.972 | floating |
| 40 | Rp 7.241.917 | Rp 2.382.216 | Rp 4.859.701 | Rp 611.474.756 | floating |
| 41 | Rp 7.241.917 | Rp 2.401.076 | Rp 4.840.842 | Rp 609.073.680 | floating |
| 42 | Rp 7.241.917 | Rp 2.420.084 | Rp 4.821.833 | Rp 606.653.596 | floating |
| 43 | Rp 7.241.917 | Rp 2.439.243 | Rp 4.802.674 | Rp 604.214.353 | floating |
| 44 | Rp 7.241.917 | Rp 2.458.554 | Rp 4.783.364 | Rp 601.755.799 | floating |
| 45 | Rp 7.241.917 | Rp 2.478.017 | Rp 4.763.900 | Rp 599.277.782 | floating |
| 46 | Rp 7.241.917 | Rp 2.497.635 | Rp 4.744.282 | Rp 596.780.147 | floating |
| 47 | Rp 7.241.917 | Rp 2.517.408 | Rp 4.724.509 | Rp 594.262.739 | floating |
| 48 | Rp 7.241.917 | Rp 2.537.337 | Rp 4.704.580 | Rp 591.725.402 | floating |
| 49 | Rp 7.241.917 | Rp 2.557.425 | Rp 4.684.493 | Rp 589.167.977 | floating |
| 50 | Rp 7.241.917 | Rp 2.577.671 | Rp 4.664.246 | Rp 586.590.306 | floating |
| 51 | Rp 7.241.917 | Rp 2.598.078 | Rp 4.643.840 | Rp 583.992.228 | floating |
| 52 | Rp 7.241.917 | Rp 2.618.646 | Rp 4.623.272 | Rp 581.373.583 | floating |
| 53 | Rp 7.241.917 | Rp 2.639.377 | Rp 4.602.541 | Rp 578.734.206 | floating |
| 54 | Rp 7.241.917 | Rp 2.660.272 | Rp 4.581.646 | Rp 576.073.935 | floating |
| 55 | Rp 7.241.917 | Rp 2.681.332 | Rp 4.560.585 | Rp 573.392.602 | floating |
| 56 | Rp 7.241.917 | Rp 2.702.559 | Rp 4.539.358 | Rp 570.690.043 | floating |
| 57 | Rp 7.241.917 | Rp 2.723.955 | Rp 4.517.963 | Rp 567.966.088 | floating |
| 58 | Rp 7.241.917 | Rp 2.745.519 | Rp 4.496.398 | Rp 565.220.569 | floating |
| 59 | Rp 7.241.917 | Rp 2.767.255 | Rp 4.474.663 | Rp 562.453.315 | floating |
| 60 | Rp 7.241.917 | Rp 2.789.162 | Rp 4.452.755 | Rp 559.664.153 | floating |
| 61 | Rp 7.241.917 | Rp 2.811.243 | Rp 4.430.675 | Rp 556.852.910 | floating |
| 62 | Rp 7.241.917 | Rp 2.833.499 | Rp 4.408.419 | Rp 554.019.411 | floating |
| 63 | Rp 7.241.917 | Rp 2.855.930 | Rp 4.385.987 | Rp 551.163.481 | floating |
| 64 | Rp 7.241.917 | Rp 2.878.540 | Rp 4.363.378 | Rp 548.284.941 | floating |
| 65 | Rp 7.241.917 | Rp 2.901.328 | Rp 4.340.589 | Rp 545.383.612 | floating |
| 66 | Rp 7.241.917 | Rp 2.924.297 | Rp 4.317.620 | Rp 542.459.315 | floating |
| 67 | Rp 7.241.917 | Rp 2.947.448 | Rp 4.294.470 | Rp 539.511.867 | floating |
| 68 | Rp 7.241.917 | Rp 2.970.782 | Rp 4.271.136 | Rp 536.541.086 | floating |
| 69 | Rp 7.241.917 | Rp 2.994.301 | Rp 4.247.617 | Rp 533.546.785 | floating |
| 70 | Rp 7.241.917 | Rp 3.018.005 | Rp 4.223.912 | Rp 530.528.780 | floating |
| 71 | Rp 7.241.917 | Rp 3.041.898 | Rp 4.200.020 | Rp 527.486.882 | floating |
| 72 | Rp 7.241.917 | Rp 3.065.980 | Rp 4.175.938 | Rp 524.420.902 | floating |
| 73 | Rp 7.241.917 | Rp 3.090.252 | Rp 4.151.665 | Rp 521.330.650 | floating |
| 74 | Rp 7.241.917 | Rp 3.114.716 | Rp 4.127.201 | Rp 518.215.934 | floating |
| 75 | Rp 7.241.917 | Rp 3.139.375 | Rp 4.102.543 | Rp 515.076.559 | floating |
| 76 | Rp 7.241.917 | Rp 3.164.228 | Rp 4.077.689 | Rp 511.912.331 | floating |
| 77 | Rp 7.241.917 | Rp 3.189.278 | Rp 4.052.639 | Rp 508.723.053 | floating |
| 78 | Rp 7.241.917 | Rp 3.214.527 | Rp 4.027.391 | Rp 505.508.526 | floating |
| 79 | Rp 7.241.917 | Rp 3.239.975 | Rp 4.001.943 | Rp 502.268.551 | floating |
| 80 | Rp 7.241.917 | Rp 3.265.625 | Rp 3.976.293 | Rp 499.002.927 | floating |
| 81 | Rp 7.241.917 | Rp 3.291.478 | Rp 3.950.440 | Rp 495.711.449 | floating |
| 82 | Rp 7.241.917 | Rp 3.317.535 | Rp 3.924.382 | Rp 492.393.914 | floating |
| 83 | Rp 7.241.917 | Rp 3.343.799 | Rp 3.898.118 | Rp 489.050.115 | floating |
| 84 | Rp 7.241.917 | Rp 3.370.271 | Rp 3.871.647 | Rp 485.679.844 | floating |
| 85 | Rp 7.241.917 | Rp 3.396.952 | Rp 3.844.965 | Rp 482.282.892 | floating |
| 86 | Rp 7.241.917 | Rp 3.423.845 | Rp 3.818.073 | Rp 478.859.048 | floating |
| 87 | Rp 7.241.917 | Rp 3.450.950 | Rp 3.790.967 | Rp 475.408.098 | floating |
| 88 | Rp 7.241.917 | Rp 3.478.270 | Rp 3.763.647 | Rp 471.929.828 | floating |
| 89 | Rp 7.241.917 | Rp 3.505.806 | Rp 3.736.111 | Rp 468.424.021 | floating |
| 90 | Rp 7.241.917 | Rp 3.533.561 | Rp 3.708.357 | Rp 464.890.461 | floating |
| 91 | Rp 7.241.917 | Rp 3.561.535 | Rp 3.680.383 | Rp 461.328.926 | floating |
| 92 | Rp 7.241.917 | Rp 3.589.730 | Rp 3.652.187 | Rp 457.739.196 | floating |
| 93 | Rp 7.241.917 | Rp 3.618.149 | Rp 3.623.769 | Rp 454.121.047 | floating |
| 94 | Rp 7.241.917 | Rp 3.646.792 | Rp 3.595.125 | Rp 450.474.255 | floating |
| 95 | Rp 7.241.917 | Rp 3.675.663 | Rp 3.566.255 | Rp 446.798.592 | floating |
| 96 | Rp 7.241.917 | Rp 3.704.762 | Rp 3.537.156 | Rp 443.093.830 | floating |
| 97 | Rp 7.241.917 | Rp 3.734.091 | Rp 3.507.826 | Rp 439.359.739 | floating |
| 98 | Rp 7.241.917 | Rp 3.763.653 | Rp 3.478.265 | Rp 435.596.086 | floating |
| 99 | Rp 7.241.917 | Rp 3.793.448 | Rp 3.448.469 | Rp 431.802.637 | floating |
| 100 | Rp 7.241.917 | Rp 3.823.480 | Rp 3.418.438 | Rp 427.979.158 | floating |
| 101 | Rp 7.241.917 | Rp 3.853.749 | Rp 3.388.168 | Rp 424.125.408 | floating |
| 102 | Rp 7.241.917 | Rp 3.884.258 | Rp 3.357.659 | Rp 420.241.150 | floating |
| 103 | Rp 7.241.917 | Rp 3.915.008 | Rp 3.326.909 | Rp 416.326.142 | floating |
| 104 | Rp 7.241.917 | Rp 3.946.002 | Rp 3.295.915 | Rp 412.380.140 | floating |
| 105 | Rp 7.241.917 | Rp 3.977.241 | Rp 3.264.676 | Rp 408.402.899 | floating |
| 106 | Rp 7.241.917 | Rp 4.008.728 | Rp 3.233.190 | Rp 404.394.171 | floating |
| 107 | Rp 7.241.917 | Rp 4.040.464 | Rp 3.201.454 | Rp 400.353.707 | floating |
| 108 | Rp 7.241.917 | Rp 4.072.451 | Rp 3.169.467 | Rp 396.281.257 | floating |
| 109 | Rp 7.241.917 | Rp 4.104.691 | Rp 3.137.227 | Rp 392.176.566 | floating |
| 110 | Rp 7.241.917 | Rp 4.137.186 | Rp 3.104.731 | Rp 388.039.380 | floating |
| 111 | Rp 7.241.917 | Rp 4.169.939 | Rp 3.071.978 | Rp 383.869.440 | floating |
| 112 | Rp 7.241.917 | Rp 4.202.951 | Rp 3.038.966 | Rp 379.666.489 | floating |
| 113 | Rp 7.241.917 | Rp 4.236.224 | Rp 3.005.693 | Rp 375.430.265 | floating |
| 114 | Rp 7.241.917 | Rp 4.269.761 | Rp 2.972.156 | Rp 371.160.504 | floating |
| 115 | Rp 7.241.917 | Rp 4.303.563 | Rp 2.938.354 | Rp 366.856.940 | floating |
| 116 | Rp 7.241.917 | Rp 4.337.633 | Rp 2.904.284 | Rp 362.519.307 | floating |
| 117 | Rp 7.241.917 | Rp 4.371.973 | Rp 2.869.945 | Rp 358.147.334 | floating |
| 118 | Rp 7.241.917 | Rp 4.406.584 | Rp 2.835.333 | Rp 353.740.750 | floating |
| 119 | Rp 7.241.917 | Rp 4.441.470 | Rp 2.800.448 | Rp 349.299.280 | floating |
| 120 | Rp 7.241.917 | Rp 4.476.631 | Rp 2.765.286 | Rp 344.822.648 | floating |
| 121 | Rp 7.241.917 | Rp 4.512.071 | Rp 2.729.846 | Rp 340.310.577 | floating |
| 122 | Rp 7.241.917 | Rp 4.547.792 | Rp 2.694.125 | Rp 335.762.785 | floating |
| 123 | Rp 7.241.917 | Rp 4.583.795 | Rp 2.658.122 | Rp 331.178.990 | floating |
| 124 | Rp 7.241.917 | Rp 4.620.084 | Rp 2.621.834 | Rp 326.558.906 | floating |
| 125 | Rp 7.241.917 | Rp 4.656.659 | Rp 2.585.258 | Rp 321.902.246 | floating |
| 126 | Rp 7.241.917 | Rp 4.693.525 | Rp 2.548.393 | Rp 317.208.722 | floating |
| 127 | Rp 7.241.917 | Rp 4.730.682 | Rp 2.511.236 | Rp 312.478.040 | floating |
| 128 | Rp 7.241.917 | Rp 4.768.133 | Rp 2.473.784 | Rp 307.709.907 | floating |
| 129 | Rp 7.241.917 | Rp 4.805.881 | Rp 2.436.037 | Rp 302.904.026 | floating |
| 130 | Rp 7.241.917 | Rp 4.843.927 | Rp 2.397.990 | Rp 298.060.099 | floating |
| 131 | Rp 7.241.917 | Rp 4.882.275 | Rp 2.359.642 | Rp 293.177.824 | floating |
| 132 | Rp 7.241.917 | Rp 4.920.926 | Rp 2.320.991 | Rp 288.256.898 | floating |
| 133 | Rp 7.241.917 | Rp 4.959.884 | Rp 2.282.034 | Rp 283.297.014 | floating |
| 134 | Rp 7.241.917 | Rp 4.999.149 | Rp 2.242.768 | Rp 278.297.865 | floating |
| 135 | Rp 7.241.917 | Rp 5.038.726 | Rp 2.203.191 | Rp 273.259.139 | floating |
| 136 | Rp 7.241.917 | Rp 5.078.616 | Rp 2.163.302 | Rp 268.180.523 | floating |
| 137 | Rp 7.241.917 | Rp 5.118.822 | Rp 2.123.096 | Rp 263.061.701 | floating |
| 138 | Rp 7.241.917 | Rp 5.159.346 | Rp 2.082.572 | Rp 257.902.356 | floating |
| 139 | Rp 7.241.917 | Rp 5.200.190 | Rp 2.041.727 | Rp 252.702.165 | floating |
| 140 | Rp 7.241.917 | Rp 5.241.359 | Rp 2.000.559 | Rp 247.460.806 | floating |
| 141 | Rp 7.241.917 | Rp 5.282.853 | Rp 1.959.065 | Rp 242.177.954 | floating |
| 142 | Rp 7.241.917 | Rp 5.324.675 | Rp 1.917.242 | Rp 236.853.278 | floating |
| 143 | Rp 7.241.917 | Rp 5.366.829 | Rp 1.875.088 | Rp 231.486.449 | floating |
| 144 | Rp 7.241.917 | Rp 5.409.316 | Rp 1.832.601 | Rp 226.077.133 | floating |
| 145 | Rp 7.241.917 | Rp 5.452.140 | Rp 1.789.777 | Rp 220.624.993 | floating |
| 146 | Rp 7.241.917 | Rp 5.495.303 | Rp 1.746.615 | Rp 215.129.690 | floating |
| 147 | Rp 7.241.917 | Rp 5.538.807 | Rp 1.703.110 | Rp 209.590.883 | floating |
| 148 | Rp 7.241.917 | Rp 5.582.656 | Rp 1.659.261 | Rp 204.008.226 | floating |
| 149 | Rp 7.241.917 | Rp 5.626.852 | Rp 1.615.065 | Rp 198.381.374 | floating |
| 150 | Rp 7.241.917 | Rp 5.671.398 | Rp 1.570.519 | Rp 192.709.976 | floating |
| 151 | Rp 7.241.917 | Rp 5.716.297 | Rp 1.525.621 | Rp 186.993.679 | floating |
| 152 | Rp 7.241.917 | Rp 5.761.551 | Rp 1.480.367 | Rp 181.232.128 | floating |
| 153 | Rp 7.241.917 | Rp 5.807.163 | Rp 1.434.754 | Rp 175.424.965 | floating |
| 154 | Rp 7.241.917 | Rp 5.853.136 | Rp 1.388.781 | Rp 169.571.829 | floating |
| 155 | Rp 7.241.917 | Rp 5.899.474 | Rp 1.342.444 | Rp 163.672.355 | floating |
| 156 | Rp 7.241.917 | Rp 5.946.178 | Rp 1.295.739 | Rp 157.726.177 | floating |
| 157 | Rp 7.241.917 | Rp 5.993.252 | Rp 1.248.666 | Rp 151.732.925 | floating |
| 158 | Rp 7.241.917 | Rp 6.040.698 | Rp 1.201.219 | Rp 145.692.227 | floating |
| 159 | Rp 7.241.917 | Rp 6.088.521 | Rp 1.153.397 | Rp 139.603.706 | floating |
| 160 | Rp 7.241.917 | Rp 6.136.721 | Rp 1.105.196 | Rp 133.466.984 | floating |
| 161 | Rp 7.241.917 | Rp 6.185.304 | Rp 1.056.614 | Rp 127.281.681 | floating |
| 162 | Rp 7.241.917 | Rp 6.234.271 | Rp 1.007.647 | Rp 121.047.410 | floating |
| 163 | Rp 7.241.917 | Rp 6.283.625 | Rp 958.292 | Rp 114.763.784 | floating |
| 164 | Rp 7.241.917 | Rp 6.333.371 | Rp 908.547 | Rp 108.430.414 | floating |
| 165 | Rp 7.241.917 | Rp 6.383.510 | Rp 858.407 | Rp 102.046.904 | floating |
| 166 | Rp 7.241.917 | Rp 6.434.046 | Rp 807.871 | Rp 95.612.857 | floating |
| 167 | Rp 7.241.917 | Rp 6.484.982 | Rp 756.935 | Rp 89.127.875 | floating |
| 168 | Rp 7.241.917 | Rp 6.536.322 | Rp 705.596 | Rp 82.591.553 | floating |
| 169 | Rp 7.241.917 | Rp 6.588.068 | Rp 653.850 | Rp 76.003.486 | floating |
| 170 | Rp 7.241.917 | Rp 6.640.223 | Rp 601.694 | Rp 69.363.263 | floating |
| 171 | Rp 7.241.917 | Rp 6.692.792 | Rp 549.126 | Rp 62.670.471 | floating |
| 172 | Rp 7.241.917 | Rp 6.745.776 | Rp 496.141 | Rp 55.924.695 | floating |
| 173 | Rp 7.241.917 | Rp 6.799.180 | Rp 442.737 | Rp 49.125.514 | floating |
| 174 | Rp 7.241.917 | Rp 6.853.007 | Rp 388.910 | Rp 42.272.507 | floating |
| 175 | Rp 7.241.917 | Rp 6.907.260 | Rp 334.657 | Rp 35.365.247 | floating |
| 176 | Rp 7.241.917 | Rp 6.961.943 | Rp 279.975 | Rp 28.403.305 | floating |
| 177 | Rp 7.241.917 | Rp 7.017.058 | Rp 224.859 | Rp 21.386.247 | floating |
| 178 | Rp 7.241.917 | Rp 7.072.610 | Rp 169.308 | Rp 14.313.637 | floating |
| 179 | Rp 7.241.917 | Rp 7.128.601 | Rp 113.316 | Rp 7.185.036 | floating |
| 180 | Rp 7.241.917 | Rp 7.185.036 | Rp 56.882 | Rp 0 | floating |
Estimasi, bukan penawaran resmi. Bunga floating aktual ditentukan kebijakan bank (mengacu BI 7-Day Repo Rate + margin) dan dapat berubah. Cicilan aktual juga dapat berbeda akibat kebijakan asuransi jiwa, asuransi kebakaran, dan biaya-biaya lain yang dimasukkan ke cicilan. Konfirmasi ke bank untuk angka final.
Detail breakdown KPR Bank DKI Rp 300 juta 5 tahun
| Pokok pinjaman | Rp 300.000.000 |
| Bunga fixed | 5,75% selama 3 tahun |
| Bunga floating estimasi | 9,5% |
| Tenor total | 5 tahun (60 bulan) |
| Cicilan tahun fixed | Rp 5.765.030/bulan |
| Cicilan estimasi tahun floating | Rp 5.987.563/bulan |
| Total bunga sepanjang tenor | Rp 51.242.599 |
| Total dibayar | Rp 351.242.599 |
Pertimbangan untuk pinjaman Rp 300 juta
Pinjaman Rp 300 juta dengan tenor 5 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 17.295.091/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:
- DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 375.000.000 bisa menghemat sekitar Rp 5.124.260 total bunga.
- Tenor lebih pendek = cicilan lebih berat tapi total bunga lebih kecil. Tenor 10 tahun bisa hemat ~30-40% total bunga vs tenor 20 tahun.
- Pertimbangkan pelunasan dipercepat di tahun fixed bila ada bonus/THR. Sebagian bank gratis penalti pelunasan setelah masa fixed.
- Bandingkan dengan bank lain sebelum putuskan—lihat link di bawah.
Tentang KPR Bank DKI
Bank pembangunan daerah DKI Jakarta. Sumber rate card: https://www.bankdki.co.id/personal/loans/kpr.
Pertanyaan yang sering diajukan
Berapa cicilan KPR Bank DKI Rp 300 juta 5 tahun?
Untuk pinjaman Rp 300 juta dengan tenor 5 tahun, cicilan tahun fixed (3 tahun pertama, bunga 5.75%) sekitar Rp 5.765.030. Setelah masa fixed, cicilan estimasi Rp 5.987.563 dengan bunga floating ~9.5%.
Berapa total bunga yang dibayar untuk KPR Rp 300 juta 5 tahun di Bank DKI?
Total bunga estimasi sekitar Rp 51.242.599 sepanjang tenor 5 tahun. Total dibayar (pokok + bunga) sekitar Rp 351.242.599. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR Bank DKI?
Bank DKI mensyaratkan DP minimum 10% dari harga rumah. Bank Indonesia mengatur LTV maksimum berdasarkan profil nasabah; DP aktual yang disetujui bisa berbeda.
Apakah angka ini final?
Bukan. Estimasi berdasarkan rate card publik PT Bank DKI per 02-05-2026. Angka aktual berbeda berdasarkan profil kredit, promo, asuransi jiwa & kebakaran yang masuk ke cicilan, dan biaya provisi/admin/appraisal yang dibayar di awal. Konfirmasi ke Bank DKI untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 300 juta 5 tahun)
- Simulasi KPR BCA Rp 300 juta 5 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 300 juta 5 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 300 juta 5 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 300 juta 5 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 300 juta 5 tahun (fixed 5%)
Skenario lain Bank DKI
- KPR Bank DKI Rp 200 juta tenor 5 tahun
- KPR Bank DKI Rp 500 juta tenor 5 tahun
- KPR Bank DKI Rp 750 juta tenor 5 tahun
- KPR Bank DKI Rp 1 miliar tenor 5 tahun
- KPR Bank DKI Rp 300 juta tenor 10 tahun
- KPR Bank DKI Rp 300 juta tenor 15 tahun
- KPR Bank DKI Rp 300 juta tenor 20 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi Bank DKI. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.