Simulasi KPR BCA Rp 2 miliar Tenor 15 tahun
Hitung cicilan KPR BCA untuk pinjaman Rp 2 miliar dengan tenor 15 tahun. Pakai parameter rate card publik PT Bank Central Asia Tbk.
Data per 02-05-2026 · Sumber: Rate card publik BCA
Cicilan tahun fixed (3 tahun pertama)
Rp 15.494.788/bulan
Lalu cicilan estimasi tahun floating: Rp 18.913.316/bulan
Sesuaikan parameter
Simulasi memakai parameter KPR BCA Fix & Cap. 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 5.578.124
Cicilan estimasi tahun floating (sisa 12 tahun)
Rp 6.808.794
Total bunga / margin dibayar
Rp 461.278.771
Total dibayar (pokok + bunga)
Rp 1.181.278.771
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 5.578.124 | Rp 2.764.124 | Rp 2.814.000 | Rp 717.235.876 | fixed |
| 2 | Rp 5.578.124 | Rp 2.774.927 | Rp 2.803.197 | Rp 714.460.950 | fixed |
| 3 | Rp 5.578.124 | Rp 2.785.772 | Rp 2.792.352 | Rp 711.675.177 | fixed |
| 4 | Rp 5.578.124 | Rp 2.796.660 | Rp 2.781.464 | Rp 708.878.518 | fixed |
| 5 | Rp 5.578.124 | Rp 2.807.590 | Rp 2.770.534 | Rp 706.070.928 | fixed |
| 6 | Rp 5.578.124 | Rp 2.818.563 | Rp 2.759.561 | Rp 703.252.364 | fixed |
| 7 | Rp 5.578.124 | Rp 2.829.579 | Rp 2.748.545 | Rp 700.422.785 | fixed |
| 8 | Rp 5.578.124 | Rp 2.840.638 | Rp 2.737.486 | Rp 697.582.147 | fixed |
| 9 | Rp 5.578.124 | Rp 2.851.740 | Rp 2.726.384 | Rp 694.730.407 | fixed |
| 10 | Rp 5.578.124 | Rp 2.862.886 | Rp 2.715.238 | Rp 691.867.522 | fixed |
| 11 | Rp 5.578.124 | Rp 2.874.075 | Rp 2.704.049 | Rp 688.993.447 | fixed |
| 12 | Rp 5.578.124 | Rp 2.885.308 | Rp 2.692.816 | Rp 686.108.139 | fixed |
| 13 | Rp 5.578.124 | Rp 2.896.584 | Rp 2.681.539 | Rp 683.211.555 | fixed |
| 14 | Rp 5.578.124 | Rp 2.907.905 | Rp 2.670.218 | Rp 680.303.650 | fixed |
| 15 | Rp 5.578.124 | Rp 2.919.270 | Rp 2.658.853 | Rp 677.384.380 | fixed |
| 16 | Rp 5.578.124 | Rp 2.930.680 | Rp 2.647.444 | Rp 674.453.700 | fixed |
| 17 | Rp 5.578.124 | Rp 2.942.134 | Rp 2.635.990 | Rp 671.511.566 | fixed |
| 18 | Rp 5.578.124 | Rp 2.953.633 | Rp 2.624.491 | Rp 668.557.934 | fixed |
| 19 | Rp 5.578.124 | Rp 2.965.176 | Rp 2.612.947 | Rp 665.592.757 | fixed |
| 20 | Rp 5.578.124 | Rp 2.976.765 | Rp 2.601.358 | Rp 662.615.992 | fixed |
| 21 | Rp 5.578.124 | Rp 2.988.399 | Rp 2.589.724 | Rp 659.627.592 | fixed |
| 22 | Rp 5.578.124 | Rp 3.000.079 | Rp 2.578.045 | Rp 656.627.513 | fixed |
| 23 | Rp 5.578.124 | Rp 3.011.804 | Rp 2.566.319 | Rp 653.615.709 | fixed |
| 24 | Rp 5.578.124 | Rp 3.023.576 | Rp 2.554.548 | Rp 650.592.133 | fixed |
| 25 | Rp 5.578.124 | Rp 3.035.393 | Rp 2.542.731 | Rp 647.556.741 | fixed |
| 26 | Rp 5.578.124 | Rp 3.047.256 | Rp 2.530.868 | Rp 644.509.484 | fixed |
| 27 | Rp 5.578.124 | Rp 3.059.166 | Rp 2.518.958 | Rp 641.450.319 | fixed |
| 28 | Rp 5.578.124 | Rp 3.071.122 | Rp 2.507.002 | Rp 638.379.197 | fixed |
| 29 | Rp 5.578.124 | Rp 3.083.125 | Rp 2.494.999 | Rp 635.296.072 | fixed |
| 30 | Rp 5.578.124 | Rp 3.095.175 | Rp 2.482.949 | Rp 632.200.897 | fixed |
| 31 | Rp 5.578.124 | Rp 3.107.272 | Rp 2.470.852 | Rp 629.093.625 | fixed |
| 32 | Rp 5.578.124 | Rp 3.119.416 | Rp 2.458.708 | Rp 625.974.209 | fixed |
| 33 | Rp 5.578.124 | Rp 3.131.608 | Rp 2.446.516 | Rp 622.842.601 | fixed |
| 34 | Rp 5.578.124 | Rp 3.143.847 | Rp 2.434.276 | Rp 619.698.754 | fixed |
| 35 | Rp 5.578.124 | Rp 3.156.134 | Rp 2.421.989 | Rp 616.542.620 | fixed |
| 36 | Rp 5.578.124 | Rp 3.168.470 | Rp 2.409.654 | Rp 613.374.150 | fixed |
| 37 | Rp 6.808.794 | Rp 2.464.060 | Rp 4.344.734 | Rp 610.910.090 | floating |
| 38 | Rp 6.808.794 | Rp 2.481.514 | Rp 4.327.280 | Rp 608.428.576 | floating |
| 39 | Rp 6.808.794 | Rp 2.499.091 | Rp 4.309.702 | Rp 605.929.484 | floating |
| 40 | Rp 6.808.794 | Rp 2.516.793 | Rp 4.292.001 | Rp 603.412.691 | floating |
| 41 | Rp 6.808.794 | Rp 2.534.621 | Rp 4.274.173 | Rp 600.878.070 | floating |
| 42 | Rp 6.808.794 | Rp 2.552.574 | Rp 4.256.220 | Rp 598.325.496 | floating |
| 43 | Rp 6.808.794 | Rp 2.570.655 | Rp 4.238.139 | Rp 595.754.841 | floating |
| 44 | Rp 6.808.794 | Rp 2.588.864 | Rp 4.219.930 | Rp 593.165.977 | floating |
| 45 | Rp 6.808.794 | Rp 2.607.202 | Rp 4.201.592 | Rp 590.558.776 | floating |
| 46 | Rp 6.808.794 | Rp 2.625.669 | Rp 4.183.125 | Rp 587.933.107 | floating |
| 47 | Rp 6.808.794 | Rp 2.644.268 | Rp 4.164.526 | Rp 585.288.839 | floating |
| 48 | Rp 6.808.794 | Rp 2.662.998 | Rp 4.145.796 | Rp 582.625.841 | floating |
| 49 | Rp 6.808.794 | Rp 2.681.861 | Rp 4.126.933 | Rp 579.943.980 | floating |
| 50 | Rp 6.808.794 | Rp 2.700.857 | Rp 4.107.937 | Rp 577.243.123 | floating |
| 51 | Rp 6.808.794 | Rp 2.719.988 | Rp 4.088.805 | Rp 574.523.134 | floating |
| 52 | Rp 6.808.794 | Rp 2.739.255 | Rp 4.069.539 | Rp 571.783.879 | floating |
| 53 | Rp 6.808.794 | Rp 2.758.658 | Rp 4.050.136 | Rp 569.025.221 | floating |
| 54 | Rp 6.808.794 | Rp 2.778.199 | Rp 4.030.595 | Rp 566.247.023 | floating |
| 55 | Rp 6.808.794 | Rp 2.797.877 | Rp 4.010.916 | Rp 563.449.145 | floating |
| 56 | Rp 6.808.794 | Rp 2.817.696 | Rp 3.991.098 | Rp 560.631.449 | floating |
| 57 | Rp 6.808.794 | Rp 2.837.654 | Rp 3.971.139 | Rp 557.793.795 | floating |
| 58 | Rp 6.808.794 | Rp 2.857.755 | Rp 3.951.039 | Rp 554.936.040 | floating |
| 59 | Rp 6.808.794 | Rp 2.877.997 | Rp 3.930.797 | Rp 552.058.043 | floating |
| 60 | Rp 6.808.794 | Rp 2.898.383 | Rp 3.910.411 | Rp 549.159.661 | floating |
| 61 | Rp 6.808.794 | Rp 2.918.913 | Rp 3.889.881 | Rp 546.240.748 | floating |
| 62 | Rp 6.808.794 | Rp 2.939.589 | Rp 3.869.205 | Rp 543.301.159 | floating |
| 63 | Rp 6.808.794 | Rp 2.960.411 | Rp 3.848.383 | Rp 540.340.749 | floating |
| 64 | Rp 6.808.794 | Rp 2.981.380 | Rp 3.827.414 | Rp 537.359.368 | floating |
| 65 | Rp 6.808.794 | Rp 3.002.498 | Rp 3.806.296 | Rp 534.356.870 | floating |
| 66 | Rp 6.808.794 | Rp 3.023.766 | Rp 3.785.028 | Rp 531.333.104 | floating |
| 67 | Rp 6.808.794 | Rp 3.045.184 | Rp 3.763.609 | Rp 528.287.919 | floating |
| 68 | Rp 6.808.794 | Rp 3.066.754 | Rp 3.742.039 | Rp 525.221.165 | floating |
| 69 | Rp 6.808.794 | Rp 3.088.477 | Rp 3.720.317 | Rp 522.132.688 | floating |
| 70 | Rp 6.808.794 | Rp 3.110.354 | Rp 3.698.440 | Rp 519.022.334 | floating |
| 71 | Rp 6.808.794 | Rp 3.132.386 | Rp 3.676.408 | Rp 515.889.948 | floating |
| 72 | Rp 6.808.794 | Rp 3.154.573 | Rp 3.654.220 | Rp 512.735.375 | floating |
| 73 | Rp 6.808.794 | Rp 3.176.918 | Rp 3.631.876 | Rp 509.558.456 | floating |
| 74 | Rp 6.808.794 | Rp 3.199.421 | Rp 3.609.372 | Rp 506.359.035 | floating |
| 75 | Rp 6.808.794 | Rp 3.222.084 | Rp 3.586.710 | Rp 503.136.951 | floating |
| 76 | Rp 6.808.794 | Rp 3.244.907 | Rp 3.563.887 | Rp 499.892.044 | floating |
| 77 | Rp 6.808.794 | Rp 3.267.892 | Rp 3.540.902 | Rp 496.624.152 | floating |
| 78 | Rp 6.808.794 | Rp 3.291.039 | Rp 3.517.754 | Rp 493.333.112 | floating |
| 79 | Rp 6.808.794 | Rp 3.314.351 | Rp 3.494.443 | Rp 490.018.761 | floating |
| 80 | Rp 6.808.794 | Rp 3.337.828 | Rp 3.470.966 | Rp 486.680.934 | floating |
| 81 | Rp 6.808.794 | Rp 3.361.471 | Rp 3.447.323 | Rp 483.319.463 | floating |
| 82 | Rp 6.808.794 | Rp 3.385.281 | Rp 3.423.513 | Rp 479.934.182 | floating |
| 83 | Rp 6.808.794 | Rp 3.409.260 | Rp 3.399.534 | Rp 476.524.922 | floating |
| 84 | Rp 6.808.794 | Rp 3.433.409 | Rp 3.375.385 | Rp 473.091.513 | floating |
| 85 | Rp 6.808.794 | Rp 3.457.729 | Rp 3.351.065 | Rp 469.633.784 | floating |
| 86 | Rp 6.808.794 | Rp 3.482.221 | Rp 3.326.573 | Rp 466.151.563 | floating |
| 87 | Rp 6.808.794 | Rp 3.506.887 | Rp 3.301.907 | Rp 462.644.676 | floating |
| 88 | Rp 6.808.794 | Rp 3.531.727 | Rp 3.277.066 | Rp 459.112.948 | floating |
| 89 | Rp 6.808.794 | Rp 3.556.744 | Rp 3.252.050 | Rp 455.556.204 | floating |
| 90 | Rp 6.808.794 | Rp 3.581.937 | Rp 3.226.856 | Rp 451.974.267 | floating |
| 91 | Rp 6.808.794 | Rp 3.607.309 | Rp 3.201.484 | Rp 448.366.957 | floating |
| 92 | Rp 6.808.794 | Rp 3.632.861 | Rp 3.175.933 | Rp 444.734.096 | floating |
| 93 | Rp 6.808.794 | Rp 3.658.594 | Rp 3.150.200 | Rp 441.075.502 | floating |
| 94 | Rp 6.808.794 | Rp 3.684.509 | Rp 3.124.285 | Rp 437.390.993 | floating |
| 95 | Rp 6.808.794 | Rp 3.710.608 | Rp 3.098.186 | Rp 433.680.385 | floating |
| 96 | Rp 6.808.794 | Rp 3.736.891 | Rp 3.071.903 | Rp 429.943.494 | floating |
| 97 | Rp 6.808.794 | Rp 3.763.361 | Rp 3.045.433 | Rp 426.180.133 | floating |
| 98 | Rp 6.808.794 | Rp 3.790.018 | Rp 3.018.776 | Rp 422.390.115 | floating |
| 99 | Rp 6.808.794 | Rp 3.816.864 | Rp 2.991.930 | Rp 418.573.252 | floating |
| 100 | Rp 6.808.794 | Rp 3.843.900 | Rp 2.964.894 | Rp 414.729.351 | floating |
| 101 | Rp 6.808.794 | Rp 3.871.128 | Rp 2.937.666 | Rp 410.858.224 | floating |
| 102 | Rp 6.808.794 | Rp 3.898.548 | Rp 2.910.246 | Rp 406.959.676 | floating |
| 103 | Rp 6.808.794 | Rp 3.926.163 | Rp 2.882.631 | Rp 403.033.513 | floating |
| 104 | Rp 6.808.794 | Rp 3.953.973 | Rp 2.854.821 | Rp 399.079.540 | floating |
| 105 | Rp 6.808.794 | Rp 3.981.980 | Rp 2.826.813 | Rp 395.097.559 | floating |
| 106 | Rp 6.808.794 | Rp 4.010.186 | Rp 2.798.608 | Rp 391.087.373 | floating |
| 107 | Rp 6.808.794 | Rp 4.038.592 | Rp 2.770.202 | Rp 387.048.781 | floating |
| 108 | Rp 6.808.794 | Rp 4.067.198 | Rp 2.741.596 | Rp 382.981.583 | floating |
| 109 | Rp 6.808.794 | Rp 4.096.008 | Rp 2.712.786 | Rp 378.885.575 | floating |
| 110 | Rp 6.808.794 | Rp 4.125.021 | Rp 2.683.773 | Rp 374.760.554 | floating |
| 111 | Rp 6.808.794 | Rp 4.154.240 | Rp 2.654.554 | Rp 370.606.314 | floating |
| 112 | Rp 6.808.794 | Rp 4.183.666 | Rp 2.625.128 | Rp 366.422.649 | floating |
| 113 | Rp 6.808.794 | Rp 4.213.300 | Rp 2.595.494 | Rp 362.209.348 | floating |
| 114 | Rp 6.808.794 | Rp 4.243.144 | Rp 2.565.650 | Rp 357.966.204 | floating |
| 115 | Rp 6.808.794 | Rp 4.273.200 | Rp 2.535.594 | Rp 353.693.004 | floating |
| 116 | Rp 6.808.794 | Rp 4.303.468 | Rp 2.505.325 | Rp 349.389.536 | floating |
| 117 | Rp 6.808.794 | Rp 4.333.951 | Rp 2.474.843 | Rp 345.055.584 | floating |
| 118 | Rp 6.808.794 | Rp 4.364.650 | Rp 2.444.144 | Rp 340.690.934 | floating |
| 119 | Rp 6.808.794 | Rp 4.395.566 | Rp 2.413.227 | Rp 336.295.368 | floating |
| 120 | Rp 6.808.794 | Rp 4.426.702 | Rp 2.382.092 | Rp 331.868.666 | floating |
| 121 | Rp 6.808.794 | Rp 4.458.057 | Rp 2.350.736 | Rp 327.410.609 | floating |
| 122 | Rp 6.808.794 | Rp 4.489.635 | Rp 2.319.158 | Rp 322.920.973 | floating |
| 123 | Rp 6.808.794 | Rp 4.521.437 | Rp 2.287.357 | Rp 318.399.536 | floating |
| 124 | Rp 6.808.794 | Rp 4.553.464 | Rp 2.255.330 | Rp 313.846.072 | floating |
| 125 | Rp 6.808.794 | Rp 4.585.718 | Rp 2.223.076 | Rp 309.260.355 | floating |
| 126 | Rp 6.808.794 | Rp 4.618.200 | Rp 2.190.594 | Rp 304.642.155 | floating |
| 127 | Rp 6.808.794 | Rp 4.650.912 | Rp 2.157.882 | Rp 299.991.243 | floating |
| 128 | Rp 6.808.794 | Rp 4.683.856 | Rp 2.124.938 | Rp 295.307.387 | floating |
| 129 | Rp 6.808.794 | Rp 4.717.033 | Rp 2.091.761 | Rp 290.590.354 | floating |
| 130 | Rp 6.808.794 | Rp 4.750.446 | Rp 2.058.348 | Rp 285.839.908 | floating |
| 131 | Rp 6.808.794 | Rp 4.784.095 | Rp 2.024.699 | Rp 281.055.814 | floating |
| 132 | Rp 6.808.794 | Rp 4.817.982 | Rp 1.990.812 | Rp 276.237.832 | floating |
| 133 | Rp 6.808.794 | Rp 4.852.109 | Rp 1.956.685 | Rp 271.385.723 | floating |
| 134 | Rp 6.808.794 | Rp 4.886.478 | Rp 1.922.316 | Rp 266.499.244 | floating |
| 135 | Rp 6.808.794 | Rp 4.921.091 | Rp 1.887.703 | Rp 261.578.154 | floating |
| 136 | Rp 6.808.794 | Rp 4.955.949 | Rp 1.852.845 | Rp 256.622.205 | floating |
| 137 | Rp 6.808.794 | Rp 4.991.053 | Rp 1.817.741 | Rp 251.631.152 | floating |
| 138 | Rp 6.808.794 | Rp 5.026.407 | Rp 1.782.387 | Rp 246.604.745 | floating |
| 139 | Rp 6.808.794 | Rp 5.062.010 | Rp 1.746.784 | Rp 241.542.735 | floating |
| 140 | Rp 6.808.794 | Rp 5.097.866 | Rp 1.710.928 | Rp 236.444.869 | floating |
| 141 | Rp 6.808.794 | Rp 5.133.976 | Rp 1.674.818 | Rp 231.310.893 | floating |
| 142 | Rp 6.808.794 | Rp 5.170.342 | Rp 1.638.452 | Rp 226.140.551 | floating |
| 143 | Rp 6.808.794 | Rp 5.206.965 | Rp 1.601.829 | Rp 220.933.586 | floating |
| 144 | Rp 6.808.794 | Rp 5.243.848 | Rp 1.564.946 | Rp 215.689.738 | floating |
| 145 | Rp 6.808.794 | Rp 5.280.992 | Rp 1.527.802 | Rp 210.408.747 | floating |
| 146 | Rp 6.808.794 | Rp 5.318.399 | Rp 1.490.395 | Rp 205.090.348 | floating |
| 147 | Rp 6.808.794 | Rp 5.356.071 | Rp 1.452.723 | Rp 199.734.277 | floating |
| 148 | Rp 6.808.794 | Rp 5.394.009 | Rp 1.414.784 | Rp 194.340.268 | floating |
| 149 | Rp 6.808.794 | Rp 5.432.217 | Rp 1.376.577 | Rp 188.908.051 | floating |
| 150 | Rp 6.808.794 | Rp 5.470.695 | Rp 1.338.099 | Rp 183.437.356 | floating |
| 151 | Rp 6.808.794 | Rp 5.509.446 | Rp 1.299.348 | Rp 177.927.910 | floating |
| 152 | Rp 6.808.794 | Rp 5.548.471 | Rp 1.260.323 | Rp 172.379.439 | floating |
| 153 | Rp 6.808.794 | Rp 5.587.773 | Rp 1.221.021 | Rp 166.791.666 | floating |
| 154 | Rp 6.808.794 | Rp 5.627.353 | Rp 1.181.441 | Rp 161.164.313 | floating |
| 155 | Rp 6.808.794 | Rp 5.667.213 | Rp 1.141.581 | Rp 155.497.100 | floating |
| 156 | Rp 6.808.794 | Rp 5.707.356 | Rp 1.101.438 | Rp 149.789.744 | floating |
| 157 | Rp 6.808.794 | Rp 5.747.783 | Rp 1.061.011 | Rp 144.041.960 | floating |
| 158 | Rp 6.808.794 | Rp 5.788.497 | Rp 1.020.297 | Rp 138.253.464 | floating |
| 159 | Rp 6.808.794 | Rp 5.829.499 | Rp 979.295 | Rp 132.423.965 | floating |
| 160 | Rp 6.808.794 | Rp 5.870.791 | Rp 938.003 | Rp 126.553.174 | floating |
| 161 | Rp 6.808.794 | Rp 5.912.376 | Rp 896.418 | Rp 120.640.799 | floating |
| 162 | Rp 6.808.794 | Rp 5.954.255 | Rp 854.539 | Rp 114.686.544 | floating |
| 163 | Rp 6.808.794 | Rp 5.996.431 | Rp 812.363 | Rp 108.690.113 | floating |
| 164 | Rp 6.808.794 | Rp 6.038.906 | Rp 769.888 | Rp 102.651.207 | floating |
| 165 | Rp 6.808.794 | Rp 6.081.681 | Rp 727.113 | Rp 96.569.526 | floating |
| 166 | Rp 6.808.794 | Rp 6.124.760 | Rp 684.034 | Rp 90.444.767 | floating |
| 167 | Rp 6.808.794 | Rp 6.168.143 | Rp 640.650 | Rp 84.276.623 | floating |
| 168 | Rp 6.808.794 | Rp 6.211.834 | Rp 596.959 | Rp 78.064.789 | floating |
| 169 | Rp 6.808.794 | Rp 6.255.835 | Rp 552.959 | Rp 71.808.954 | floating |
| 170 | Rp 6.808.794 | Rp 6.300.147 | Rp 508.647 | Rp 65.508.807 | floating |
| 171 | Rp 6.808.794 | Rp 6.344.773 | Rp 464.021 | Rp 59.164.033 | floating |
| 172 | Rp 6.808.794 | Rp 6.389.715 | Rp 419.079 | Rp 52.774.318 | floating |
| 173 | Rp 6.808.794 | Rp 6.434.976 | Rp 373.818 | Rp 46.339.342 | floating |
| 174 | Rp 6.808.794 | Rp 6.480.557 | Rp 328.237 | Rp 39.858.785 | floating |
| 175 | Rp 6.808.794 | Rp 6.526.461 | Rp 282.333 | Rp 33.332.325 | floating |
| 176 | Rp 6.808.794 | Rp 6.572.690 | Rp 236.104 | Rp 26.759.635 | floating |
| 177 | Rp 6.808.794 | Rp 6.619.246 | Rp 189.547 | Rp 20.140.388 | floating |
| 178 | Rp 6.808.794 | Rp 6.666.133 | Rp 142.661 | Rp 13.474.255 | floating |
| 179 | Rp 6.808.794 | Rp 6.713.351 | Rp 95.443 | Rp 6.760.904 | floating |
| 180 | Rp 6.808.794 | Rp 6.760.904 | Rp 47.890 | 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 BCA Rp 2 miliar 15 tahun
| Pokok pinjaman | Rp 2.000.000.000 |
| Bunga fixed | 4,69% selama 3 tahun |
| Bunga floating estimasi | 8,5% |
| Tenor total | 15 tahun (180 bulan) |
| Cicilan tahun fixed | Rp 15.494.788/bulan |
| Cicilan estimasi tahun floating | Rp 18.913.316/bulan |
| Total bunga sepanjang tenor | Rp 1.281.329.919 |
| Total dibayar | Rp 3.281.329.919 |
Pertimbangan untuk pinjaman Rp 2 miliar
Pinjaman Rp 2 miliar dengan tenor 15 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 46.484.364/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:
- DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 2.500.000.000 bisa menghemat sekitar Rp 128.132.992 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
BCA punya beberapa varian: Fix & Cap, Fix tertentu, dan Floating. Sumber rate card: https://www.bca.co.id/id/individu/produk/kredit/kpr-bca.
Pertanyaan yang sering diajukan
Berapa cicilan KPR BCA Rp 2 miliar 15 tahun?
Untuk pinjaman Rp 2 miliar dengan tenor 15 tahun, cicilan tahun fixed (3 tahun pertama, bunga 4.69%) sekitar Rp 15.494.788. Setelah masa fixed, cicilan estimasi Rp 18.913.316 dengan bunga floating ~8.5%.
Berapa total bunga yang dibayar untuk KPR Rp 2 miliar 15 tahun di BCA?
Total bunga estimasi sekitar Rp 1.281.329.919 sepanjang tenor 15 tahun. Total dibayar (pokok + bunga) sekitar Rp 3.281.329.919. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR BCA?
BCA 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 Central Asia Tbk 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 untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 2 miliar 15 tahun)
- Simulasi KPR Mandiri Rp 2 miliar 15 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 2 miliar 15 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 2 miliar 15 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 2 miliar 15 tahun (fixed 5%)
- Simulasi KPR BSI Rp 2 miliar 15 tahun (fixed 6.5%)
Skenario lain BCA
- KPR BCA Rp 200 juta tenor 15 tahun
- KPR BCA Rp 300 juta tenor 15 tahun
- KPR BCA Rp 500 juta tenor 15 tahun
- KPR BCA Rp 750 juta tenor 15 tahun
- KPR BCA Rp 2 miliar tenor 5 tahun
- KPR BCA Rp 2 miliar tenor 10 tahun
- KPR BCA Rp 2 miliar tenor 20 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi BCA. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.