Simulasi KPR BJB Syariah
PT Bank BJB Syariah
Hitung cicilan BJB Syariah Pembiayaan Kepemilikan Rumah dengan parameter rate card publik per 02-05-2026. Anda bisa ubah angka sesuai negosiasi atau promo aktif.
Data per 02-05-2026 · Sumber: Rate card publik BJB Syariah
Simulasi memakai parameter BJB Syariah Pembiayaan Kepemilikan Rumah. 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 6.674.489
Total bunga / margin dibayar
Rp 481.408.019
Total dibayar (pokok + bunga)
Rp 1.201.408.019
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 6.674.489 | Rp 2.174.489 | Rp 4.500.000 | Rp 717.825.511 | fixed |
| 2 | Rp 6.674.489 | Rp 2.188.080 | Rp 4.486.409 | Rp 715.637.431 | fixed |
| 3 | Rp 6.674.489 | Rp 2.201.755 | Rp 4.472.734 | Rp 713.435.676 | fixed |
| 4 | Rp 6.674.489 | Rp 2.215.516 | Rp 4.458.973 | Rp 711.220.160 | fixed |
| 5 | Rp 6.674.489 | Rp 2.229.363 | Rp 4.445.126 | Rp 708.990.797 | fixed |
| 6 | Rp 6.674.489 | Rp 2.243.297 | Rp 4.431.192 | Rp 706.747.501 | fixed |
| 7 | Rp 6.674.489 | Rp 2.257.317 | Rp 4.417.172 | Rp 704.490.184 | fixed |
| 8 | Rp 6.674.489 | Rp 2.271.425 | Rp 4.403.064 | Rp 702.218.758 | fixed |
| 9 | Rp 6.674.489 | Rp 2.285.622 | Rp 4.388.867 | Rp 699.933.137 | fixed |
| 10 | Rp 6.674.489 | Rp 2.299.907 | Rp 4.374.582 | Rp 697.633.230 | fixed |
| 11 | Rp 6.674.489 | Rp 2.314.281 | Rp 4.360.208 | Rp 695.318.949 | fixed |
| 12 | Rp 6.674.489 | Rp 2.328.746 | Rp 4.345.743 | Rp 692.990.203 | fixed |
| 13 | Rp 6.674.489 | Rp 2.343.300 | Rp 4.331.189 | Rp 690.646.903 | fixed |
| 14 | Rp 6.674.489 | Rp 2.357.946 | Rp 4.316.543 | Rp 688.288.957 | fixed |
| 15 | Rp 6.674.489 | Rp 2.372.683 | Rp 4.301.806 | Rp 685.916.274 | fixed |
| 16 | Rp 6.674.489 | Rp 2.387.512 | Rp 4.286.977 | Rp 683.528.762 | fixed |
| 17 | Rp 6.674.489 | Rp 2.402.434 | Rp 4.272.055 | Rp 681.126.327 | fixed |
| 18 | Rp 6.674.489 | Rp 2.417.449 | Rp 4.257.040 | Rp 678.708.878 | fixed |
| 19 | Rp 6.674.489 | Rp 2.432.559 | Rp 4.241.930 | Rp 676.276.319 | fixed |
| 20 | Rp 6.674.489 | Rp 2.447.762 | Rp 4.226.727 | Rp 673.828.557 | fixed |
| 21 | Rp 6.674.489 | Rp 2.463.061 | Rp 4.211.428 | Rp 671.365.497 | fixed |
| 22 | Rp 6.674.489 | Rp 2.478.455 | Rp 4.196.034 | Rp 668.887.042 | fixed |
| 23 | Rp 6.674.489 | Rp 2.493.945 | Rp 4.180.544 | Rp 666.393.097 | fixed |
| 24 | Rp 6.674.489 | Rp 2.509.532 | Rp 4.164.957 | Rp 663.883.565 | fixed |
| 25 | Rp 6.674.489 | Rp 2.525.217 | Rp 4.149.272 | Rp 661.358.348 | fixed |
| 26 | Rp 6.674.489 | Rp 2.540.999 | Rp 4.133.490 | Rp 658.817.349 | fixed |
| 27 | Rp 6.674.489 | Rp 2.556.881 | Rp 4.117.608 | Rp 656.260.469 | fixed |
| 28 | Rp 6.674.489 | Rp 2.572.861 | Rp 4.101.628 | Rp 653.687.607 | fixed |
| 29 | Rp 6.674.489 | Rp 2.588.941 | Rp 4.085.548 | Rp 651.098.666 | fixed |
| 30 | Rp 6.674.489 | Rp 2.605.122 | Rp 4.069.367 | Rp 648.493.544 | fixed |
| 31 | Rp 6.674.489 | Rp 2.621.404 | Rp 4.053.085 | Rp 645.872.139 | fixed |
| 32 | Rp 6.674.489 | Rp 2.637.788 | Rp 4.036.701 | Rp 643.234.351 | fixed |
| 33 | Rp 6.674.489 | Rp 2.654.274 | Rp 4.020.215 | Rp 640.580.077 | fixed |
| 34 | Rp 6.674.489 | Rp 2.670.864 | Rp 4.003.625 | Rp 637.909.213 | fixed |
| 35 | Rp 6.674.489 | Rp 2.687.556 | Rp 3.986.933 | Rp 635.221.657 | fixed |
| 36 | Rp 6.674.489 | Rp 2.704.354 | Rp 3.970.135 | Rp 632.517.303 | fixed |
| 37 | Rp 6.674.489 | Rp 2.721.256 | Rp 3.953.233 | Rp 629.796.048 | fixed |
| 38 | Rp 6.674.489 | Rp 2.738.264 | Rp 3.936.225 | Rp 627.057.784 | fixed |
| 39 | Rp 6.674.489 | Rp 2.755.378 | Rp 3.919.111 | Rp 624.302.406 | fixed |
| 40 | Rp 6.674.489 | Rp 2.772.599 | Rp 3.901.890 | Rp 621.529.807 | fixed |
| 41 | Rp 6.674.489 | Rp 2.789.928 | Rp 3.884.561 | Rp 618.739.879 | fixed |
| 42 | Rp 6.674.489 | Rp 2.807.365 | Rp 3.867.124 | Rp 615.932.515 | fixed |
| 43 | Rp 6.674.489 | Rp 2.824.911 | Rp 3.849.578 | Rp 613.107.604 | fixed |
| 44 | Rp 6.674.489 | Rp 2.842.566 | Rp 3.831.923 | Rp 610.265.037 | fixed |
| 45 | Rp 6.674.489 | Rp 2.860.333 | Rp 3.814.156 | Rp 607.404.705 | fixed |
| 46 | Rp 6.674.489 | Rp 2.878.210 | Rp 3.796.279 | Rp 604.526.495 | fixed |
| 47 | Rp 6.674.489 | Rp 2.896.198 | Rp 3.778.291 | Rp 601.630.297 | fixed |
| 48 | Rp 6.674.489 | Rp 2.914.300 | Rp 3.760.189 | Rp 598.715.997 | fixed |
| 49 | Rp 6.674.489 | Rp 2.932.514 | Rp 3.741.975 | Rp 595.783.483 | fixed |
| 50 | Rp 6.674.489 | Rp 2.950.842 | Rp 3.723.647 | Rp 592.832.641 | fixed |
| 51 | Rp 6.674.489 | Rp 2.969.285 | Rp 3.705.204 | Rp 589.863.356 | fixed |
| 52 | Rp 6.674.489 | Rp 2.987.843 | Rp 3.686.646 | Rp 586.875.513 | fixed |
| 53 | Rp 6.674.489 | Rp 3.006.517 | Rp 3.667.972 | Rp 583.868.996 | fixed |
| 54 | Rp 6.674.489 | Rp 3.025.308 | Rp 3.649.181 | Rp 580.843.688 | fixed |
| 55 | Rp 6.674.489 | Rp 3.044.216 | Rp 3.630.273 | Rp 577.799.472 | fixed |
| 56 | Rp 6.674.489 | Rp 3.063.242 | Rp 3.611.247 | Rp 574.736.230 | fixed |
| 57 | Rp 6.674.489 | Rp 3.082.388 | Rp 3.592.101 | Rp 571.653.842 | fixed |
| 58 | Rp 6.674.489 | Rp 3.101.652 | Rp 3.572.837 | Rp 568.552.190 | fixed |
| 59 | Rp 6.674.489 | Rp 3.121.038 | Rp 3.553.451 | Rp 565.431.152 | fixed |
| 60 | Rp 6.674.489 | Rp 3.140.544 | Rp 3.533.945 | Rp 562.290.608 | fixed |
| 61 | Rp 6.674.489 | Rp 3.160.173 | Rp 3.514.316 | Rp 559.130.435 | fixed |
| 62 | Rp 6.674.489 | Rp 3.179.924 | Rp 3.494.565 | Rp 555.950.511 | fixed |
| 63 | Rp 6.674.489 | Rp 3.199.798 | Rp 3.474.691 | Rp 552.750.713 | fixed |
| 64 | Rp 6.674.489 | Rp 3.219.797 | Rp 3.454.692 | Rp 549.530.916 | fixed |
| 65 | Rp 6.674.489 | Rp 3.239.921 | Rp 3.434.568 | Rp 546.290.995 | fixed |
| 66 | Rp 6.674.489 | Rp 3.260.170 | Rp 3.414.319 | Rp 543.030.825 | fixed |
| 67 | Rp 6.674.489 | Rp 3.280.546 | Rp 3.393.943 | Rp 539.750.279 | fixed |
| 68 | Rp 6.674.489 | Rp 3.301.050 | Rp 3.373.439 | Rp 536.449.229 | fixed |
| 69 | Rp 6.674.489 | Rp 3.321.681 | Rp 3.352.808 | Rp 533.127.548 | fixed |
| 70 | Rp 6.674.489 | Rp 3.342.442 | Rp 3.332.047 | Rp 529.785.106 | fixed |
| 71 | Rp 6.674.489 | Rp 3.363.332 | Rp 3.311.157 | Rp 526.421.774 | fixed |
| 72 | Rp 6.674.489 | Rp 3.384.353 | Rp 3.290.136 | Rp 523.037.421 | fixed |
| 73 | Rp 6.674.489 | Rp 3.405.505 | Rp 3.268.984 | Rp 519.631.916 | fixed |
| 74 | Rp 6.674.489 | Rp 3.426.790 | Rp 3.247.699 | Rp 516.205.126 | fixed |
| 75 | Rp 6.674.489 | Rp 3.448.207 | Rp 3.226.282 | Rp 512.756.919 | fixed |
| 76 | Rp 6.674.489 | Rp 3.469.758 | Rp 3.204.731 | Rp 509.287.161 | fixed |
| 77 | Rp 6.674.489 | Rp 3.491.444 | Rp 3.183.045 | Rp 505.795.717 | fixed |
| 78 | Rp 6.674.489 | Rp 3.513.266 | Rp 3.161.223 | Rp 502.282.451 | fixed |
| 79 | Rp 6.674.489 | Rp 3.535.224 | Rp 3.139.265 | Rp 498.747.227 | fixed |
| 80 | Rp 6.674.489 | Rp 3.557.319 | Rp 3.117.170 | Rp 495.189.908 | fixed |
| 81 | Rp 6.674.489 | Rp 3.579.552 | Rp 3.094.937 | Rp 491.610.356 | fixed |
| 82 | Rp 6.674.489 | Rp 3.601.924 | Rp 3.072.565 | Rp 488.008.432 | fixed |
| 83 | Rp 6.674.489 | Rp 3.624.436 | Rp 3.050.053 | Rp 484.383.996 | fixed |
| 84 | Rp 6.674.489 | Rp 3.647.089 | Rp 3.027.400 | Rp 480.736.907 | fixed |
| 85 | Rp 6.674.489 | Rp 3.669.883 | Rp 3.004.606 | Rp 477.067.024 | fixed |
| 86 | Rp 6.674.489 | Rp 3.692.820 | Rp 2.981.669 | Rp 473.374.203 | fixed |
| 87 | Rp 6.674.489 | Rp 3.715.900 | Rp 2.958.589 | Rp 469.658.303 | fixed |
| 88 | Rp 6.674.489 | Rp 3.739.125 | Rp 2.935.364 | Rp 465.919.179 | fixed |
| 89 | Rp 6.674.489 | Rp 3.762.494 | Rp 2.911.995 | Rp 462.156.684 | fixed |
| 90 | Rp 6.674.489 | Rp 3.786.010 | Rp 2.888.479 | Rp 458.370.675 | fixed |
| 91 | Rp 6.674.489 | Rp 3.809.672 | Rp 2.864.817 | Rp 454.561.002 | fixed |
| 92 | Rp 6.674.489 | Rp 3.833.483 | Rp 2.841.006 | Rp 450.727.520 | fixed |
| 93 | Rp 6.674.489 | Rp 3.857.442 | Rp 2.817.047 | Rp 446.870.078 | fixed |
| 94 | Rp 6.674.489 | Rp 3.881.551 | Rp 2.792.938 | Rp 442.988.527 | fixed |
| 95 | Rp 6.674.489 | Rp 3.905.811 | Rp 2.768.678 | Rp 439.082.716 | fixed |
| 96 | Rp 6.674.489 | Rp 3.930.222 | Rp 2.744.267 | Rp 435.152.494 | fixed |
| 97 | Rp 6.674.489 | Rp 3.954.786 | Rp 2.719.703 | Rp 431.197.708 | fixed |
| 98 | Rp 6.674.489 | Rp 3.979.503 | Rp 2.694.986 | Rp 427.218.205 | fixed |
| 99 | Rp 6.674.489 | Rp 4.004.375 | Rp 2.670.114 | Rp 423.213.830 | fixed |
| 100 | Rp 6.674.489 | Rp 4.029.403 | Rp 2.645.086 | Rp 419.184.427 | fixed |
| 101 | Rp 6.674.489 | Rp 4.054.586 | Rp 2.619.903 | Rp 415.129.841 | fixed |
| 102 | Rp 6.674.489 | Rp 4.079.927 | Rp 2.594.562 | Rp 411.049.913 | fixed |
| 103 | Rp 6.674.489 | Rp 4.105.427 | Rp 2.569.062 | Rp 406.944.486 | fixed |
| 104 | Rp 6.674.489 | Rp 4.131.086 | Rp 2.543.403 | Rp 402.813.400 | fixed |
| 105 | Rp 6.674.489 | Rp 4.156.905 | Rp 2.517.584 | Rp 398.656.495 | fixed |
| 106 | Rp 6.674.489 | Rp 4.182.886 | Rp 2.491.603 | Rp 394.473.609 | fixed |
| 107 | Rp 6.674.489 | Rp 4.209.029 | Rp 2.465.460 | Rp 390.264.580 | fixed |
| 108 | Rp 6.674.489 | Rp 4.235.335 | Rp 2.439.154 | Rp 386.029.245 | fixed |
| 109 | Rp 6.674.489 | Rp 4.261.806 | Rp 2.412.683 | Rp 381.767.439 | fixed |
| 110 | Rp 6.674.489 | Rp 4.288.443 | Rp 2.386.046 | Rp 377.478.996 | fixed |
| 111 | Rp 6.674.489 | Rp 4.315.245 | Rp 2.359.244 | Rp 373.163.751 | fixed |
| 112 | Rp 6.674.489 | Rp 4.342.216 | Rp 2.332.273 | Rp 368.821.535 | fixed |
| 113 | Rp 6.674.489 | Rp 4.369.354 | Rp 2.305.135 | Rp 364.452.181 | fixed |
| 114 | Rp 6.674.489 | Rp 4.396.663 | Rp 2.277.826 | Rp 360.055.518 | fixed |
| 115 | Rp 6.674.489 | Rp 4.424.142 | Rp 2.250.347 | Rp 355.631.376 | fixed |
| 116 | Rp 6.674.489 | Rp 4.451.793 | Rp 2.222.696 | Rp 351.179.583 | fixed |
| 117 | Rp 6.674.489 | Rp 4.479.617 | Rp 2.194.872 | Rp 346.699.967 | fixed |
| 118 | Rp 6.674.489 | Rp 4.507.614 | Rp 2.166.875 | Rp 342.192.352 | fixed |
| 119 | Rp 6.674.489 | Rp 4.535.787 | Rp 2.138.702 | Rp 337.656.566 | fixed |
| 120 | Rp 6.674.489 | Rp 4.564.135 | Rp 2.110.354 | Rp 333.092.430 | fixed |
| 121 | Rp 6.674.489 | Rp 4.592.661 | Rp 2.081.828 | Rp 328.499.769 | fixed |
| 122 | Rp 6.674.489 | Rp 4.621.365 | Rp 2.053.124 | Rp 323.878.403 | fixed |
| 123 | Rp 6.674.489 | Rp 4.650.249 | Rp 2.024.240 | Rp 319.228.154 | fixed |
| 124 | Rp 6.674.489 | Rp 4.679.313 | Rp 1.995.176 | Rp 314.548.841 | fixed |
| 125 | Rp 6.674.489 | Rp 4.708.559 | Rp 1.965.930 | Rp 309.840.283 | fixed |
| 126 | Rp 6.674.489 | Rp 4.737.987 | Rp 1.936.502 | Rp 305.102.295 | fixed |
| 127 | Rp 6.674.489 | Rp 4.767.600 | Rp 1.906.889 | Rp 300.334.696 | fixed |
| 128 | Rp 6.674.489 | Rp 4.797.397 | Rp 1.877.092 | Rp 295.537.299 | fixed |
| 129 | Rp 6.674.489 | Rp 4.827.381 | Rp 1.847.108 | Rp 290.709.918 | fixed |
| 130 | Rp 6.674.489 | Rp 4.857.552 | Rp 1.816.937 | Rp 285.852.366 | fixed |
| 131 | Rp 6.674.489 | Rp 4.887.912 | Rp 1.786.577 | Rp 280.964.454 | fixed |
| 132 | Rp 6.674.489 | Rp 4.918.461 | Rp 1.756.028 | Rp 276.045.993 | fixed |
| 133 | Rp 6.674.489 | Rp 4.949.202 | Rp 1.725.287 | Rp 271.096.791 | fixed |
| 134 | Rp 6.674.489 | Rp 4.980.134 | Rp 1.694.355 | Rp 266.116.657 | fixed |
| 135 | Rp 6.674.489 | Rp 5.011.260 | Rp 1.663.229 | Rp 261.105.397 | fixed |
| 136 | Rp 6.674.489 | Rp 5.042.580 | Rp 1.631.909 | Rp 256.062.817 | fixed |
| 137 | Rp 6.674.489 | Rp 5.074.096 | Rp 1.600.393 | Rp 250.988.721 | fixed |
| 138 | Rp 6.674.489 | Rp 5.105.809 | Rp 1.568.680 | Rp 245.882.911 | fixed |
| 139 | Rp 6.674.489 | Rp 5.137.721 | Rp 1.536.768 | Rp 240.745.190 | fixed |
| 140 | Rp 6.674.489 | Rp 5.169.832 | Rp 1.504.657 | Rp 235.575.359 | fixed |
| 141 | Rp 6.674.489 | Rp 5.202.143 | Rp 1.472.346 | Rp 230.373.216 | fixed |
| 142 | Rp 6.674.489 | Rp 5.234.656 | Rp 1.439.833 | Rp 225.138.560 | fixed |
| 143 | Rp 6.674.489 | Rp 5.267.373 | Rp 1.407.116 | Rp 219.871.187 | fixed |
| 144 | Rp 6.674.489 | Rp 5.300.294 | Rp 1.374.195 | Rp 214.570.892 | fixed |
| 145 | Rp 6.674.489 | Rp 5.333.421 | Rp 1.341.068 | Rp 209.237.472 | fixed |
| 146 | Rp 6.674.489 | Rp 5.366.755 | Rp 1.307.734 | Rp 203.870.717 | fixed |
| 147 | Rp 6.674.489 | Rp 5.400.297 | Rp 1.274.192 | Rp 198.470.420 | fixed |
| 148 | Rp 6.674.489 | Rp 5.434.049 | Rp 1.240.440 | Rp 193.036.371 | fixed |
| 149 | Rp 6.674.489 | Rp 5.468.012 | Rp 1.206.477 | Rp 187.568.359 | fixed |
| 150 | Rp 6.674.489 | Rp 5.502.187 | Rp 1.172.302 | Rp 182.066.172 | fixed |
| 151 | Rp 6.674.489 | Rp 5.536.575 | Rp 1.137.914 | Rp 176.529.597 | fixed |
| 152 | Rp 6.674.489 | Rp 5.571.179 | Rp 1.103.310 | Rp 170.958.418 | fixed |
| 153 | Rp 6.674.489 | Rp 5.605.999 | Rp 1.068.490 | Rp 165.352.419 | fixed |
| 154 | Rp 6.674.489 | Rp 5.641.036 | Rp 1.033.453 | Rp 159.711.383 | fixed |
| 155 | Rp 6.674.489 | Rp 5.676.293 | Rp 998.196 | Rp 154.035.090 | fixed |
| 156 | Rp 6.674.489 | Rp 5.711.770 | Rp 962.719 | Rp 148.323.320 | fixed |
| 157 | Rp 6.674.489 | Rp 5.747.468 | Rp 927.021 | Rp 142.575.852 | fixed |
| 158 | Rp 6.674.489 | Rp 5.783.390 | Rp 891.099 | Rp 136.792.462 | fixed |
| 159 | Rp 6.674.489 | Rp 5.819.536 | Rp 854.953 | Rp 130.972.926 | fixed |
| 160 | Rp 6.674.489 | Rp 5.855.908 | Rp 818.581 | Rp 125.117.018 | fixed |
| 161 | Rp 6.674.489 | Rp 5.892.508 | Rp 781.981 | Rp 119.224.510 | fixed |
| 162 | Rp 6.674.489 | Rp 5.929.336 | Rp 745.153 | Rp 113.295.174 | fixed |
| 163 | Rp 6.674.489 | Rp 5.966.394 | Rp 708.095 | Rp 107.328.780 | fixed |
| 164 | Rp 6.674.489 | Rp 6.003.684 | Rp 670.805 | Rp 101.325.096 | fixed |
| 165 | Rp 6.674.489 | Rp 6.041.207 | Rp 633.282 | Rp 95.283.889 | fixed |
| 166 | Rp 6.674.489 | Rp 6.078.965 | Rp 595.524 | Rp 89.204.924 | fixed |
| 167 | Rp 6.674.489 | Rp 6.116.958 | Rp 557.531 | Rp 83.087.966 | fixed |
| 168 | Rp 6.674.489 | Rp 6.155.189 | Rp 519.300 | Rp 76.932.777 | fixed |
| 169 | Rp 6.674.489 | Rp 6.193.659 | Rp 480.830 | Rp 70.739.118 | fixed |
| 170 | Rp 6.674.489 | Rp 6.232.370 | Rp 442.119 | Rp 64.506.748 | fixed |
| 171 | Rp 6.674.489 | Rp 6.271.322 | Rp 403.167 | Rp 58.235.426 | fixed |
| 172 | Rp 6.674.489 | Rp 6.310.518 | Rp 363.971 | Rp 51.924.909 | fixed |
| 173 | Rp 6.674.489 | Rp 6.349.958 | Rp 324.531 | Rp 45.574.950 | fixed |
| 174 | Rp 6.674.489 | Rp 6.389.646 | Rp 284.843 | Rp 39.185.305 | fixed |
| 175 | Rp 6.674.489 | Rp 6.429.581 | Rp 244.908 | Rp 32.755.724 | fixed |
| 176 | Rp 6.674.489 | Rp 6.469.766 | Rp 204.723 | Rp 26.285.958 | fixed |
| 177 | Rp 6.674.489 | Rp 6.510.202 | Rp 164.287 | Rp 19.775.757 | fixed |
| 178 | Rp 6.674.489 | Rp 6.550.891 | Rp 123.598 | Rp 13.224.866 | fixed |
| 179 | Rp 6.674.489 | Rp 6.591.834 | Rp 82.655 | Rp 6.633.033 | fixed |
| 180 | Rp 6.674.489 | Rp 6.633.033 | Rp 41.456 | 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 produk BJB Syariah Pembiayaan Kepemilikan Rumah
| Jenis | syariah (fixed full_tenor) |
| Bunga / margin fixed | 7,5% selama 20 tahun |
| Tenor maksimum | 20 tahun |
| Uang muka minimum | 10% |
| Biaya provisi | 1% dari pokok |
| Biaya admin | Rp 500.000 |
Akad Murabahah.
Sumber data
Parameter di atas disarikan dari rate card publik https://www.bjbsyariah.co.id/produk/pembiayaan-kepemilikan-rumah per 02-05-2026. Bank dapat mengubah ketentuan tanpa pemberitahuan; kami tidak berafiliasi dengan BJB Syariah. Untuk penawaran resmi, hubungi BJB Syariah langsung.
Pertanyaan yang sering diajukan
Berapa bunga KPR BJB Syariah saat ini?
Berdasarkan rate card publik PT Bank BJB Syariah per 02-05-2026, BJB Syariah Pembiayaan Kepemilikan Rumah menawarkan bunga fixed 7.5% selama 20 tahun. Setelah masa fixed, bunga beralih ke floating dengan estimasi ~7.5%. Konfirmasi ke BJB Syariah untuk angka final yang berlaku saat pengajuan.
Berapa minimum DP KPR BJB Syariah?
Uang muka minimum 10% sesuai rate card publik. Bank Indonesia mengatur LTV maksimum per profil nasabah; DP aktual yang disetujui dapat berbeda berdasarkan profil risiko Anda.
Berapa tenor maksimum KPR BJB Syariah?
20 tahun (240 bulan). Tenor lebih panjang = cicilan lebih ringan, tapi total bunga lebih tinggi.
Apakah simulasi ini adalah penawaran resmi BJB Syariah?
Bukan. Ini estimasi berdasarkan rate card publik yang dikumpulkan per 02-05-2026. HitungUang tidak berafiliasi dengan BJB Syariah. Untuk penawaran resmi, hubungi BJB Syariah langsung atau kunjungi website resminya.
Bandingkan dengan bank lain
- Simulasi KPR BCA (fixed 4.69%)
- Simulasi KPR Mandiri (fixed 4.99%)
- Simulasi KPR BNI (fixed 5.25%)
- Simulasi KPR BRI (fixed 5.5%)
- Simulasi KPR BTN (fixed 5%)