Simulasi KPR Bank DKI Rp 500 juta Tenor 25 tahun
Hitung cicilan KPR Bank DKI untuk pinjaman Rp 500 juta dengan tenor 25 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 3.145.532/bulan
Lalu cicilan estimasi tahun floating: Rp 4.256.574/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 500 juta 25 tahun
| Pokok pinjaman | Rp 500.000.000 |
| Bunga fixed | 5,75% selama 3 tahun |
| Bunga floating estimasi | 9,5% |
| Tenor total | 25 tahun (300 bulan) |
| Cicilan tahun fixed | Rp 3.145.532/bulan |
| Cicilan estimasi tahun floating | Rp 4.256.574/bulan |
| Total bunga sepanjang tenor | Rp 736.974.677 |
| Total dibayar | Rp 1.236.974.677 |
Pertimbangan untuk pinjaman Rp 500 juta
Pinjaman Rp 500 juta dengan tenor 25 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 9.436.596/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:
- DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 625.000.000 bisa menghemat sekitar Rp 73.697.468 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 500 juta 25 tahun?
Untuk pinjaman Rp 500 juta dengan tenor 25 tahun, cicilan tahun fixed (3 tahun pertama, bunga 5.75%) sekitar Rp 3.145.532. Setelah masa fixed, cicilan estimasi Rp 4.256.574 dengan bunga floating ~9.5%.
Berapa total bunga yang dibayar untuk KPR Rp 500 juta 25 tahun di Bank DKI?
Total bunga estimasi sekitar Rp 736.974.677 sepanjang tenor 25 tahun. Total dibayar (pokok + bunga) sekitar Rp 1.236.974.677. 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 500 juta 25 tahun)
- Simulasi KPR BCA Rp 500 juta 25 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 500 juta 25 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 500 juta 25 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 500 juta 25 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 500 juta 25 tahun (fixed 5%)
Skenario lain Bank DKI
- KPR Bank DKI Rp 200 juta tenor 25 tahun
- KPR Bank DKI Rp 300 juta tenor 25 tahun
- KPR Bank DKI Rp 750 juta tenor 25 tahun
- KPR Bank DKI Rp 1 miliar tenor 25 tahun
- KPR Bank DKI Rp 500 juta tenor 5 tahun
- KPR Bank DKI Rp 500 juta tenor 10 tahun
- KPR Bank DKI Rp 500 juta tenor 15 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.