Simulasi KPR BJB Syariah Rp 1,5 miliar Tenor 25 tahun
Hitung cicilan KPR BJB Syariah untuk pinjaman Rp 1,5 miliar dengan tenor 25 tahun. Pakai parameter rate card publik PT Bank BJB Syariah.
Data per 02-05-2026 · Sumber: Rate card publik BJB Syariah
Cicilan tahun fixed (20 tahun pertama)
Rp 11.084.868/bulan
Lalu cicilan estimasi tahun floating: Rp 11.084.868/bulan
Sesuaikan parameter
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 breakdown KPR BJB Syariah Rp 1,5 miliar 25 tahun
| Pokok pinjaman | Rp 1.500.000.000 |
| Bunga fixed | 7,5% selama 20 tahun |
| Bunga floating estimasi | 7,5% |
| Tenor total | 25 tahun (300 bulan) |
| Cicilan tahun fixed | Rp 11.084.868/bulan |
| Cicilan estimasi tahun floating | Rp 11.084.868/bulan |
| Total bunga sepanjang tenor | Rp 1.825.460.300 |
| Total dibayar | Rp 3.325.460.300 |
Pertimbangan untuk pinjaman Rp 1,5 miliar
Pinjaman Rp 1,5 miliar dengan tenor 25 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 33.254.603/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 182.546.030 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 BJB Syariah
Akad Murabahah. Sumber rate card: https://www.bjbsyariah.co.id/produk/pembiayaan-kepemilikan-rumah.
Pertanyaan yang sering diajukan
Berapa cicilan KPR BJB Syariah Rp 1,5 miliar 25 tahun?
Untuk pinjaman Rp 1,5 miliar dengan tenor 25 tahun, cicilan tahun fixed (20 tahun pertama, bunga 7.5%) sekitar Rp 11.084.868. Setelah masa fixed, cicilan estimasi Rp 11.084.868 dengan bunga floating ~7.5%.
Berapa total bunga yang dibayar untuk KPR Rp 1,5 miliar 25 tahun di BJB Syariah?
Total bunga estimasi sekitar Rp 1.825.460.300 sepanjang tenor 25 tahun. Total dibayar (pokok + bunga) sekitar Rp 3.325.460.300. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR BJB Syariah?
BJB 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 BJB 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 BJB Syariah untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 1,5 miliar 25 tahun)
- Simulasi KPR BCA Rp 1,5 miliar 25 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 1,5 miliar 25 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 1,5 miliar 25 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 1,5 miliar 25 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 1,5 miliar 25 tahun (fixed 5%)
Skenario lain BJB Syariah
- KPR BJB Syariah Rp 200 juta tenor 25 tahun
- KPR BJB Syariah Rp 300 juta tenor 25 tahun
- KPR BJB Syariah Rp 500 juta tenor 25 tahun
- KPR BJB Syariah Rp 750 juta tenor 25 tahun
- KPR BJB Syariah Rp 1,5 miliar tenor 5 tahun
- KPR BJB Syariah Rp 1,5 miliar tenor 10 tahun
- KPR BJB Syariah Rp 1,5 miliar tenor 15 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi BJB Syariah. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.