Simulasi KPR BCA Syariah Rp 1,5 miliar Tenor 10 tahun
Hitung cicilan KPR BCA Syariah untuk pinjaman Rp 1,5 miliar dengan tenor 10 tahun. Pakai parameter rate card publik PT Bank BCA Syariah.
Data per 02-05-2026 · Sumber: Rate card publik BCA Syariah
Cicilan tahun fixed (25 tahun pertama)
Rp 17.032.197/bulan
Lalu cicilan estimasi tahun floating: Rp 17.032.197/bulan
Sesuaikan parameter
Simulasi memakai parameter BCA Syariah KPR iB. Silakan ubah angka di bawah untuk skenario Anda.
Pokok pinjaman
Rp 720.000.000
Uang muka (DP)
Rp 80.000.000 (10%)
Cicilan bulanan (tetap selama tenor)
Rp 6.271.973
Total bunga / margin dibayar
Rp 408.955.145
Total dibayar (pokok + bunga)
Rp 1.128.955.145
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 6.271.973 | Rp 2.371.973 | Rp 3.900.000 | Rp 717.628.027 | fixed |
| 2 | Rp 6.271.973 | Rp 2.384.821 | Rp 3.887.152 | Rp 715.243.206 | fixed |
| 3 | Rp 6.271.973 | Rp 2.397.739 | Rp 3.874.234 | Rp 712.845.467 | fixed |
| 4 | Rp 6.271.973 | Rp 2.410.727 | Rp 3.861.246 | Rp 710.434.740 | fixed |
| 5 | Rp 6.271.973 | Rp 2.423.785 | Rp 3.848.188 | Rp 708.010.955 | fixed |
| 6 | Rp 6.271.973 | Rp 2.436.914 | Rp 3.835.059 | Rp 705.574.041 | fixed |
| 7 | Rp 6.271.973 | Rp 2.450.114 | Rp 3.821.859 | Rp 703.123.928 | fixed |
| 8 | Rp 6.271.973 | Rp 2.463.385 | Rp 3.808.588 | Rp 700.660.543 | fixed |
| 9 | Rp 6.271.973 | Rp 2.476.728 | Rp 3.795.245 | Rp 698.183.814 | fixed |
| 10 | Rp 6.271.973 | Rp 2.490.144 | Rp 3.781.829 | Rp 695.693.670 | fixed |
| 11 | Rp 6.271.973 | Rp 2.503.632 | Rp 3.768.341 | Rp 693.190.038 | fixed |
| 12 | Rp 6.271.973 | Rp 2.517.194 | Rp 3.754.779 | Rp 690.672.844 | fixed |
| 13 | Rp 6.271.973 | Rp 2.530.828 | Rp 3.741.145 | Rp 688.142.016 | fixed |
| 14 | Rp 6.271.973 | Rp 2.544.537 | Rp 3.727.436 | Rp 685.597.479 | fixed |
| 15 | Rp 6.271.973 | Rp 2.558.320 | Rp 3.713.653 | Rp 683.039.159 | fixed |
| 16 | Rp 6.271.973 | Rp 2.572.178 | Rp 3.699.795 | Rp 680.466.981 | fixed |
| 17 | Rp 6.271.973 | Rp 2.586.110 | Rp 3.685.863 | Rp 677.880.871 | fixed |
| 18 | Rp 6.271.973 | Rp 2.600.118 | Rp 3.671.855 | Rp 675.280.753 | fixed |
| 19 | Rp 6.271.973 | Rp 2.614.202 | Rp 3.657.771 | Rp 672.666.550 | fixed |
| 20 | Rp 6.271.973 | Rp 2.628.363 | Rp 3.643.610 | Rp 670.038.188 | fixed |
| 21 | Rp 6.271.973 | Rp 2.642.600 | Rp 3.629.374 | Rp 667.395.588 | fixed |
| 22 | Rp 6.271.973 | Rp 2.656.914 | Rp 3.615.059 | Rp 664.738.675 | fixed |
| 23 | Rp 6.271.973 | Rp 2.671.305 | Rp 3.600.668 | Rp 662.067.369 | fixed |
| 24 | Rp 6.271.973 | Rp 2.685.775 | Rp 3.586.198 | Rp 659.381.595 | fixed |
| 25 | Rp 6.271.973 | Rp 2.700.323 | Rp 3.571.650 | Rp 656.681.272 | fixed |
| 26 | Rp 6.271.973 | Rp 2.714.949 | Rp 3.557.024 | Rp 653.966.322 | fixed |
| 27 | Rp 6.271.973 | Rp 2.729.655 | Rp 3.542.318 | Rp 651.236.667 | fixed |
| 28 | Rp 6.271.973 | Rp 2.744.441 | Rp 3.527.532 | Rp 648.492.226 | fixed |
| 29 | Rp 6.271.973 | Rp 2.759.307 | Rp 3.512.666 | Rp 645.732.919 | fixed |
| 30 | Rp 6.271.973 | Rp 2.774.253 | Rp 3.497.720 | Rp 642.958.666 | fixed |
| 31 | Rp 6.271.973 | Rp 2.789.280 | Rp 3.482.693 | Rp 640.169.386 | fixed |
| 32 | Rp 6.271.973 | Rp 2.804.389 | Rp 3.467.584 | Rp 637.364.997 | fixed |
| 33 | Rp 6.271.973 | Rp 2.819.579 | Rp 3.452.394 | Rp 634.545.418 | fixed |
| 34 | Rp 6.271.973 | Rp 2.834.852 | Rp 3.437.121 | Rp 631.710.566 | fixed |
| 35 | Rp 6.271.973 | Rp 2.850.207 | Rp 3.421.766 | Rp 628.860.358 | fixed |
| 36 | Rp 6.271.973 | Rp 2.865.646 | Rp 3.406.327 | Rp 625.994.712 | fixed |
| 37 | Rp 6.271.973 | Rp 2.881.168 | Rp 3.390.805 | Rp 623.113.544 | fixed |
| 38 | Rp 6.271.973 | Rp 2.896.775 | Rp 3.375.198 | Rp 620.216.769 | fixed |
| 39 | Rp 6.271.973 | Rp 2.912.466 | Rp 3.359.507 | Rp 617.304.304 | fixed |
| 40 | Rp 6.271.973 | Rp 2.928.241 | Rp 3.343.732 | Rp 614.376.062 | fixed |
| 41 | Rp 6.271.973 | Rp 2.944.103 | Rp 3.327.870 | Rp 611.431.959 | fixed |
| 42 | Rp 6.271.973 | Rp 2.960.050 | Rp 3.311.923 | Rp 608.471.910 | fixed |
| 43 | Rp 6.271.973 | Rp 2.976.084 | Rp 3.295.890 | Rp 605.495.826 | fixed |
| 44 | Rp 6.271.973 | Rp 2.992.204 | Rp 3.279.769 | Rp 602.503.622 | fixed |
| 45 | Rp 6.271.973 | Rp 3.008.412 | Rp 3.263.561 | Rp 599.495.210 | fixed |
| 46 | Rp 6.271.973 | Rp 3.024.707 | Rp 3.247.266 | Rp 596.470.503 | fixed |
| 47 | Rp 6.271.973 | Rp 3.041.091 | Rp 3.230.882 | Rp 593.429.412 | fixed |
| 48 | Rp 6.271.973 | Rp 3.057.564 | Rp 3.214.409 | Rp 590.371.848 | fixed |
| 49 | Rp 6.271.973 | Rp 3.074.126 | Rp 3.197.848 | Rp 587.297.723 | fixed |
| 50 | Rp 6.271.973 | Rp 3.090.777 | Rp 3.181.196 | Rp 584.206.946 | fixed |
| 51 | Rp 6.271.973 | Rp 3.107.519 | Rp 3.164.454 | Rp 581.099.427 | fixed |
| 52 | Rp 6.271.973 | Rp 3.124.351 | Rp 3.147.622 | Rp 577.975.076 | fixed |
| 53 | Rp 6.271.973 | Rp 3.141.275 | Rp 3.130.698 | Rp 574.833.801 | fixed |
| 54 | Rp 6.271.973 | Rp 3.158.290 | Rp 3.113.683 | Rp 571.675.511 | fixed |
| 55 | Rp 6.271.973 | Rp 3.175.397 | Rp 3.096.576 | Rp 568.500.114 | fixed |
| 56 | Rp 6.271.973 | Rp 3.192.597 | Rp 3.079.376 | Rp 565.307.516 | fixed |
| 57 | Rp 6.271.973 | Rp 3.209.891 | Rp 3.062.082 | Rp 562.097.626 | fixed |
| 58 | Rp 6.271.973 | Rp 3.227.278 | Rp 3.044.695 | Rp 558.870.348 | fixed |
| 59 | Rp 6.271.973 | Rp 3.244.759 | Rp 3.027.214 | Rp 555.625.589 | fixed |
| 60 | Rp 6.271.973 | Rp 3.262.334 | Rp 3.009.639 | Rp 552.363.255 | fixed |
| 61 | Rp 6.271.973 | Rp 3.280.005 | Rp 2.991.968 | Rp 549.083.250 | fixed |
| 62 | Rp 6.271.973 | Rp 3.297.772 | Rp 2.974.201 | Rp 545.785.478 | fixed |
| 63 | Rp 6.271.973 | Rp 3.315.635 | Rp 2.956.338 | Rp 542.469.843 | fixed |
| 64 | Rp 6.271.973 | Rp 3.333.595 | Rp 2.938.378 | Rp 539.136.248 | fixed |
| 65 | Rp 6.271.973 | Rp 3.351.652 | Rp 2.920.321 | Rp 535.784.596 | fixed |
| 66 | Rp 6.271.973 | Rp 3.369.806 | Rp 2.902.167 | Rp 532.414.790 | fixed |
| 67 | Rp 6.271.973 | Rp 3.388.060 | Rp 2.883.913 | Rp 529.026.730 | fixed |
| 68 | Rp 6.271.973 | Rp 3.406.412 | Rp 2.865.561 | Rp 525.620.318 | fixed |
| 69 | Rp 6.271.973 | Rp 3.424.863 | Rp 2.847.110 | Rp 522.195.456 | fixed |
| 70 | Rp 6.271.973 | Rp 3.443.414 | Rp 2.828.559 | Rp 518.752.041 | fixed |
| 71 | Rp 6.271.973 | Rp 3.462.066 | Rp 2.809.907 | Rp 515.289.975 | fixed |
| 72 | Rp 6.271.973 | Rp 3.480.819 | Rp 2.791.154 | Rp 511.809.156 | fixed |
| 73 | Rp 6.271.973 | Rp 3.499.673 | Rp 2.772.300 | Rp 508.309.483 | fixed |
| 74 | Rp 6.271.973 | Rp 3.518.630 | Rp 2.753.343 | Rp 504.790.853 | fixed |
| 75 | Rp 6.271.973 | Rp 3.537.689 | Rp 2.734.284 | Rp 501.253.163 | fixed |
| 76 | Rp 6.271.973 | Rp 3.556.852 | Rp 2.715.121 | Rp 497.696.312 | fixed |
| 77 | Rp 6.271.973 | Rp 3.576.118 | Rp 2.695.855 | Rp 494.120.194 | fixed |
| 78 | Rp 6.271.973 | Rp 3.595.489 | Rp 2.676.484 | Rp 490.524.705 | fixed |
| 79 | Rp 6.271.973 | Rp 3.614.964 | Rp 2.657.009 | Rp 486.909.741 | fixed |
| 80 | Rp 6.271.973 | Rp 3.634.545 | Rp 2.637.428 | Rp 483.275.196 | fixed |
| 81 | Rp 6.271.973 | Rp 3.654.232 | Rp 2.617.741 | Rp 479.620.963 | fixed |
| 82 | Rp 6.271.973 | Rp 3.674.026 | Rp 2.597.947 | Rp 475.946.937 | fixed |
| 83 | Rp 6.271.973 | Rp 3.693.927 | Rp 2.578.046 | Rp 472.253.010 | fixed |
| 84 | Rp 6.271.973 | Rp 3.713.936 | Rp 2.558.037 | Rp 468.539.074 | fixed |
| 85 | Rp 6.271.973 | Rp 3.734.053 | Rp 2.537.920 | Rp 464.805.021 | fixed |
| 86 | Rp 6.271.973 | Rp 3.754.279 | Rp 2.517.694 | Rp 461.050.742 | fixed |
| 87 | Rp 6.271.973 | Rp 3.774.615 | Rp 2.497.358 | Rp 457.276.127 | fixed |
| 88 | Rp 6.271.973 | Rp 3.795.061 | Rp 2.476.912 | Rp 453.481.066 | fixed |
| 89 | Rp 6.271.973 | Rp 3.815.617 | Rp 2.456.356 | Rp 449.665.449 | fixed |
| 90 | Rp 6.271.973 | Rp 3.836.285 | Rp 2.435.688 | Rp 445.829.164 | fixed |
| 91 | Rp 6.271.973 | Rp 3.857.065 | Rp 2.414.908 | Rp 441.972.099 | fixed |
| 92 | Rp 6.271.973 | Rp 3.877.957 | Rp 2.394.016 | Rp 438.094.141 | fixed |
| 93 | Rp 6.271.973 | Rp 3.898.963 | Rp 2.373.010 | Rp 434.195.178 | fixed |
| 94 | Rp 6.271.973 | Rp 3.920.082 | Rp 2.351.891 | Rp 430.275.096 | fixed |
| 95 | Rp 6.271.973 | Rp 3.941.316 | Rp 2.330.657 | Rp 426.333.779 | fixed |
| 96 | Rp 6.271.973 | Rp 3.962.665 | Rp 2.309.308 | Rp 422.371.114 | fixed |
| 97 | Rp 6.271.973 | Rp 3.984.129 | Rp 2.287.844 | Rp 418.386.985 | fixed |
| 98 | Rp 6.271.973 | Rp 4.005.710 | Rp 2.266.263 | Rp 414.381.275 | fixed |
| 99 | Rp 6.271.973 | Rp 4.027.408 | Rp 2.244.565 | Rp 410.353.867 | fixed |
| 100 | Rp 6.271.973 | Rp 4.049.223 | Rp 2.222.750 | Rp 406.304.644 | fixed |
| 101 | Rp 6.271.973 | Rp 4.071.156 | Rp 2.200.817 | Rp 402.233.488 | fixed |
| 102 | Rp 6.271.973 | Rp 4.093.208 | Rp 2.178.765 | Rp 398.140.279 | fixed |
| 103 | Rp 6.271.973 | Rp 4.115.380 | Rp 2.156.593 | Rp 394.024.900 | fixed |
| 104 | Rp 6.271.973 | Rp 4.137.671 | Rp 2.134.302 | Rp 389.887.228 | fixed |
| 105 | Rp 6.271.973 | Rp 4.160.084 | Rp 2.111.889 | Rp 385.727.144 | fixed |
| 106 | Rp 6.271.973 | Rp 4.182.618 | Rp 2.089.355 | Rp 381.544.527 | fixed |
| 107 | Rp 6.271.973 | Rp 4.205.274 | Rp 2.066.700 | Rp 377.339.253 | fixed |
| 108 | Rp 6.271.973 | Rp 4.228.052 | Rp 2.043.921 | Rp 373.111.201 | fixed |
| 109 | Rp 6.271.973 | Rp 4.250.954 | Rp 2.021.019 | Rp 368.860.247 | fixed |
| 110 | Rp 6.271.973 | Rp 4.273.980 | Rp 1.997.993 | Rp 364.586.267 | fixed |
| 111 | Rp 6.271.973 | Rp 4.297.131 | Rp 1.974.842 | Rp 360.289.136 | fixed |
| 112 | Rp 6.271.973 | Rp 4.320.407 | Rp 1.951.566 | Rp 355.968.729 | fixed |
| 113 | Rp 6.271.973 | Rp 4.343.809 | Rp 1.928.164 | Rp 351.624.920 | fixed |
| 114 | Rp 6.271.973 | Rp 4.367.338 | Rp 1.904.635 | Rp 347.257.582 | fixed |
| 115 | Rp 6.271.973 | Rp 4.390.994 | Rp 1.880.979 | Rp 342.866.588 | fixed |
| 116 | Rp 6.271.973 | Rp 4.414.779 | Rp 1.857.194 | Rp 338.451.809 | fixed |
| 117 | Rp 6.271.973 | Rp 4.438.692 | Rp 1.833.281 | Rp 334.013.116 | fixed |
| 118 | Rp 6.271.973 | Rp 4.462.735 | Rp 1.809.238 | Rp 329.550.381 | fixed |
| 119 | Rp 6.271.973 | Rp 4.486.908 | Rp 1.785.065 | Rp 325.063.473 | fixed |
| 120 | Rp 6.271.973 | Rp 4.511.213 | Rp 1.760.760 | Rp 320.552.260 | fixed |
| 121 | Rp 6.271.973 | Rp 4.535.648 | Rp 1.736.325 | Rp 316.016.612 | fixed |
| 122 | Rp 6.271.973 | Rp 4.560.216 | Rp 1.711.757 | Rp 311.456.395 | fixed |
| 123 | Rp 6.271.973 | Rp 4.584.918 | Rp 1.687.055 | Rp 306.871.478 | fixed |
| 124 | Rp 6.271.973 | Rp 4.609.753 | Rp 1.662.221 | Rp 302.261.725 | fixed |
| 125 | Rp 6.271.973 | Rp 4.634.722 | Rp 1.637.251 | Rp 297.627.003 | fixed |
| 126 | Rp 6.271.973 | Rp 4.659.827 | Rp 1.612.146 | Rp 292.967.176 | fixed |
| 127 | Rp 6.271.973 | Rp 4.685.067 | Rp 1.586.906 | Rp 288.282.109 | fixed |
| 128 | Rp 6.271.973 | Rp 4.710.445 | Rp 1.561.528 | Rp 283.571.664 | fixed |
| 129 | Rp 6.271.973 | Rp 4.735.960 | Rp 1.536.013 | Rp 278.835.704 | fixed |
| 130 | Rp 6.271.973 | Rp 4.761.613 | Rp 1.510.360 | Rp 274.074.091 | fixed |
| 131 | Rp 6.271.973 | Rp 4.787.405 | Rp 1.484.568 | Rp 269.286.686 | fixed |
| 132 | Rp 6.271.973 | Rp 4.813.337 | Rp 1.458.636 | Rp 264.473.349 | fixed |
| 133 | Rp 6.271.973 | Rp 4.839.409 | Rp 1.432.564 | Rp 259.633.940 | fixed |
| 134 | Rp 6.271.973 | Rp 4.865.623 | Rp 1.406.351 | Rp 254.768.318 | fixed |
| 135 | Rp 6.271.973 | Rp 4.891.978 | Rp 1.379.995 | Rp 249.876.340 | fixed |
| 136 | Rp 6.271.973 | Rp 4.918.476 | Rp 1.353.497 | Rp 244.957.864 | fixed |
| 137 | Rp 6.271.973 | Rp 4.945.118 | Rp 1.326.855 | Rp 240.012.746 | fixed |
| 138 | Rp 6.271.973 | Rp 4.971.904 | Rp 1.300.069 | Rp 235.040.842 | fixed |
| 139 | Rp 6.271.973 | Rp 4.998.835 | Rp 1.273.138 | Rp 230.042.007 | fixed |
| 140 | Rp 6.271.973 | Rp 5.025.912 | Rp 1.246.061 | Rp 225.016.094 | fixed |
| 141 | Rp 6.271.973 | Rp 5.053.136 | Rp 1.218.837 | Rp 219.962.959 | fixed |
| 142 | Rp 6.271.973 | Rp 5.080.507 | Rp 1.191.466 | Rp 214.882.451 | fixed |
| 143 | Rp 6.271.973 | Rp 5.108.026 | Rp 1.163.947 | Rp 209.774.425 | fixed |
| 144 | Rp 6.271.973 | Rp 5.135.695 | Rp 1.136.278 | Rp 204.638.730 | fixed |
| 145 | Rp 6.271.973 | Rp 5.163.513 | Rp 1.108.460 | Rp 199.475.217 | fixed |
| 146 | Rp 6.271.973 | Rp 5.191.482 | Rp 1.080.491 | Rp 194.283.735 | fixed |
| 147 | Rp 6.271.973 | Rp 5.219.603 | Rp 1.052.370 | Rp 189.064.132 | fixed |
| 148 | Rp 6.271.973 | Rp 5.247.876 | Rp 1.024.097 | Rp 183.816.256 | fixed |
| 149 | Rp 6.271.973 | Rp 5.276.302 | Rp 995.671 | Rp 178.539.955 | fixed |
| 150 | Rp 6.271.973 | Rp 5.304.882 | Rp 967.091 | Rp 173.235.073 | fixed |
| 151 | Rp 6.271.973 | Rp 5.333.616 | Rp 938.357 | Rp 167.901.457 | fixed |
| 152 | Rp 6.271.973 | Rp 5.362.507 | Rp 909.466 | Rp 162.538.950 | fixed |
| 153 | Rp 6.271.973 | Rp 5.391.554 | Rp 880.419 | Rp 157.147.396 | fixed |
| 154 | Rp 6.271.973 | Rp 5.420.758 | Rp 851.215 | Rp 151.726.638 | fixed |
| 155 | Rp 6.271.973 | Rp 5.450.120 | Rp 821.853 | Rp 146.276.518 | fixed |
| 156 | Rp 6.271.973 | Rp 5.479.642 | Rp 792.331 | Rp 140.796.876 | fixed |
| 157 | Rp 6.271.973 | Rp 5.509.323 | Rp 762.650 | Rp 135.287.553 | fixed |
| 158 | Rp 6.271.973 | Rp 5.539.165 | Rp 732.808 | Rp 129.748.387 | fixed |
| 159 | Rp 6.271.973 | Rp 5.569.169 | Rp 702.804 | Rp 124.179.218 | fixed |
| 160 | Rp 6.271.973 | Rp 5.599.336 | Rp 672.637 | Rp 118.579.882 | fixed |
| 161 | Rp 6.271.973 | Rp 5.629.665 | Rp 642.308 | Rp 112.950.217 | fixed |
| 162 | Rp 6.271.973 | Rp 5.660.159 | Rp 611.814 | Rp 107.290.057 | fixed |
| 163 | Rp 6.271.973 | Rp 5.690.819 | Rp 581.154 | Rp 101.599.239 | fixed |
| 164 | Rp 6.271.973 | Rp 5.721.644 | Rp 550.329 | Rp 95.877.595 | fixed |
| 165 | Rp 6.271.973 | Rp 5.752.636 | Rp 519.337 | Rp 90.124.959 | fixed |
| 166 | Rp 6.271.973 | Rp 5.783.796 | Rp 488.177 | Rp 84.341.163 | fixed |
| 167 | Rp 6.271.973 | Rp 5.815.125 | Rp 456.848 | Rp 78.526.038 | fixed |
| 168 | Rp 6.271.973 | Rp 5.846.624 | Rp 425.349 | Rp 72.679.414 | fixed |
| 169 | Rp 6.271.973 | Rp 5.878.293 | Rp 393.680 | Rp 66.801.121 | fixed |
| 170 | Rp 6.271.973 | Rp 5.910.134 | Rp 361.839 | Rp 60.890.988 | fixed |
| 171 | Rp 6.271.973 | Rp 5.942.147 | Rp 329.826 | Rp 54.948.841 | fixed |
| 172 | Rp 6.271.973 | Rp 5.974.333 | Rp 297.640 | Rp 48.974.507 | fixed |
| 173 | Rp 6.271.973 | Rp 6.006.694 | Rp 265.279 | Rp 42.967.813 | fixed |
| 174 | Rp 6.271.973 | Rp 6.039.231 | Rp 232.742 | Rp 36.928.582 | fixed |
| 175 | Rp 6.271.973 | Rp 6.071.943 | Rp 200.030 | Rp 30.856.639 | fixed |
| 176 | Rp 6.271.973 | Rp 6.104.833 | Rp 167.140 | Rp 24.751.806 | fixed |
| 177 | Rp 6.271.973 | Rp 6.137.901 | Rp 134.072 | Rp 18.613.905 | fixed |
| 178 | Rp 6.271.973 | Rp 6.171.148 | Rp 100.825 | Rp 12.442.758 | fixed |
| 179 | Rp 6.271.973 | Rp 6.204.575 | Rp 67.398 | Rp 6.238.183 | fixed |
| 180 | Rp 6.271.973 | Rp 6.238.183 | Rp 33.790 | Rp 0 | fixed |
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 BCA Syariah Rp 1,5 miliar 10 tahun
| Pokok pinjaman | Rp 1.500.000.000 |
| Bunga fixed | 6,5% selama 25 tahun |
| Bunga floating estimasi | 6,5% |
| Tenor total | 10 tahun (120 bulan) |
| Cicilan tahun fixed | Rp 17.032.197/bulan |
| Cicilan estimasi tahun floating | Rp 17.032.197/bulan |
| Total bunga sepanjang tenor | Rp 543.863.590 |
| Total dibayar | Rp 2.043.863.590 |
Pertimbangan untuk pinjaman Rp 1,5 miliar
Pinjaman Rp 1,5 miliar dengan tenor 10 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 51.096.590/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:
- DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 1.875.000.000 bisa menghemat sekitar Rp 54.386.359 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 BCA Syariah
Akad Murabahah. Sumber rate card: https://www.bcasyariah.co.id/produk/pembiayaan-konsumer/kpr-ib.
Pertanyaan yang sering diajukan
Berapa cicilan KPR BCA Syariah Rp 1,5 miliar 10 tahun?
Untuk pinjaman Rp 1,5 miliar dengan tenor 10 tahun, cicilan tahun fixed (25 tahun pertama, bunga 6.5%) sekitar Rp 17.032.197. Setelah masa fixed, cicilan estimasi Rp 17.032.197 dengan bunga floating ~6.5%.
Berapa total bunga yang dibayar untuk KPR Rp 1,5 miliar 10 tahun di BCA Syariah?
Total bunga estimasi sekitar Rp 543.863.590 sepanjang tenor 10 tahun. Total dibayar (pokok + bunga) sekitar Rp 2.043.863.590. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR BCA Syariah?
BCA Syariah 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 BCA Syariah 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 BCA Syariah untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 1,5 miliar 10 tahun)
- Simulasi KPR BCA Rp 1,5 miliar 10 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 1,5 miliar 10 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 1,5 miliar 10 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 1,5 miliar 10 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 1,5 miliar 10 tahun (fixed 5%)
Skenario lain BCA Syariah
- KPR BCA Syariah Rp 200 juta tenor 10 tahun
- KPR BCA Syariah Rp 300 juta tenor 10 tahun
- KPR BCA Syariah Rp 500 juta tenor 10 tahun
- KPR BCA Syariah Rp 750 juta tenor 10 tahun
- KPR BCA Syariah Rp 1,5 miliar tenor 5 tahun
- KPR BCA Syariah Rp 1,5 miliar tenor 15 tahun
- KPR BCA Syariah Rp 1,5 miliar tenor 20 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi BCA Syariah. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.