Simulasi KPR BCA Syariah Rp 500 juta Tenor 5 tahun
Hitung cicilan KPR BCA Syariah untuk pinjaman Rp 500 juta dengan tenor 5 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 9.783.074/bulan
Lalu cicilan estimasi tahun floating: Rp 9.783.074/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 500 juta 5 tahun
| Pokok pinjaman | Rp 500.000.000 |
| Bunga fixed | 6,5% selama 25 tahun |
| Bunga floating estimasi | 6,5% |
| Tenor total | 5 tahun (60 bulan) |
| Cicilan tahun fixed | Rp 9.783.074/bulan |
| Cicilan estimasi tahun floating | Rp 9.783.074/bulan |
| Total bunga sepanjang tenor | Rp 86.984.447 |
| Total dibayar | Rp 586.984.447 |
Pertimbangan untuk pinjaman Rp 500 juta
Pinjaman Rp 500 juta dengan tenor 5 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 29.349.222/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 8.698.445 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 500 juta 5 tahun?
Untuk pinjaman Rp 500 juta dengan tenor 5 tahun, cicilan tahun fixed (25 tahun pertama, bunga 6.5%) sekitar Rp 9.783.074. Setelah masa fixed, cicilan estimasi Rp 9.783.074 dengan bunga floating ~6.5%.
Berapa total bunga yang dibayar untuk KPR Rp 500 juta 5 tahun di BCA Syariah?
Total bunga estimasi sekitar Rp 86.984.447 sepanjang tenor 5 tahun. Total dibayar (pokok + bunga) sekitar Rp 586.984.447. 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 500 juta 5 tahun)
- Simulasi KPR BCA Rp 500 juta 5 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 500 juta 5 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 500 juta 5 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 500 juta 5 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 500 juta 5 tahun (fixed 5%)
Skenario lain BCA Syariah
- KPR BCA Syariah Rp 200 juta tenor 5 tahun
- KPR BCA Syariah Rp 300 juta tenor 5 tahun
- KPR BCA Syariah Rp 750 juta tenor 5 tahun
- KPR BCA Syariah Rp 1 miliar tenor 5 tahun
- KPR BCA Syariah Rp 500 juta tenor 10 tahun
- KPR BCA Syariah Rp 500 juta tenor 15 tahun
- KPR BCA Syariah Rp 500 juta 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.