Simulasi KPR BJB Syariah Rp 200 juta Tenor 25 tahun
Hitung cicilan KPR BJB Syariah untuk pinjaman Rp 200 juta 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 1.477.982/bulan
Lalu cicilan estimasi tahun floating: Rp 1.477.982/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 200 juta 25 tahun
| Pokok pinjaman | Rp 200.000.000 |
| Bunga fixed | 7,5% selama 20 tahun |
| Bunga floating estimasi | 7,5% |
| Tenor total | 25 tahun (300 bulan) |
| Cicilan tahun fixed | Rp 1.477.982/bulan |
| Cicilan estimasi tahun floating | Rp 1.477.982/bulan |
| Total bunga sepanjang tenor | Rp 243.394.707 |
| Total dibayar | Rp 443.394.707 |
Pertimbangan untuk pinjaman Rp 200 juta
Pinjaman Rp 200 juta dengan tenor 25 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 4.433.947/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:
- DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 250.000.000 bisa menghemat sekitar Rp 24.339.471 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 200 juta 25 tahun?
Untuk pinjaman Rp 200 juta dengan tenor 25 tahun, cicilan tahun fixed (20 tahun pertama, bunga 7.5%) sekitar Rp 1.477.982. Setelah masa fixed, cicilan estimasi Rp 1.477.982 dengan bunga floating ~7.5%.
Berapa total bunga yang dibayar untuk KPR Rp 200 juta 25 tahun di BJB Syariah?
Total bunga estimasi sekitar Rp 243.394.707 sepanjang tenor 25 tahun. Total dibayar (pokok + bunga) sekitar Rp 443.394.707. 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 200 juta 25 tahun)
- Simulasi KPR BCA Rp 200 juta 25 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 200 juta 25 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 200 juta 25 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 200 juta 25 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 200 juta 25 tahun (fixed 5%)
Skenario lain BJB Syariah
- 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 miliar tenor 25 tahun
- KPR BJB Syariah Rp 200 juta tenor 5 tahun
- KPR BJB Syariah Rp 200 juta tenor 10 tahun
- KPR BJB Syariah Rp 200 juta 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.