Simulasi KPR BJB Syariah Rp 200 juta Tenor 5 tahun
Hitung cicilan KPR BJB Syariah untuk pinjaman Rp 200 juta dengan tenor 5 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 4.007.590/bulan
Lalu cicilan estimasi tahun floating: Rp 4.007.590/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 5 tahun
| Pokok pinjaman | Rp 200.000.000 |
| Bunga fixed | 7,5% selama 20 tahun |
| Bunga floating estimasi | 7,5% |
| Tenor total | 5 tahun (60 bulan) |
| Cicilan tahun fixed | Rp 4.007.590/bulan |
| Cicilan estimasi tahun floating | Rp 4.007.590/bulan |
| Total bunga sepanjang tenor | Rp 40.455.383 |
| Total dibayar | Rp 240.455.383 |
Pertimbangan untuk pinjaman Rp 200 juta
Pinjaman Rp 200 juta dengan tenor 5 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 12.022.769/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 4.045.538 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 5 tahun?
Untuk pinjaman Rp 200 juta dengan tenor 5 tahun, cicilan tahun fixed (20 tahun pertama, bunga 7.5%) sekitar Rp 4.007.590. Setelah masa fixed, cicilan estimasi Rp 4.007.590 dengan bunga floating ~7.5%.
Berapa total bunga yang dibayar untuk KPR Rp 200 juta 5 tahun di BJB Syariah?
Total bunga estimasi sekitar Rp 40.455.383 sepanjang tenor 5 tahun. Total dibayar (pokok + bunga) sekitar Rp 240.455.383. 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 5 tahun)
- Simulasi KPR BCA Rp 200 juta 5 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 200 juta 5 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 200 juta 5 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 200 juta 5 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 200 juta 5 tahun (fixed 5%)
Skenario lain BJB Syariah
- KPR BJB Syariah Rp 300 juta tenor 5 tahun
- KPR BJB Syariah Rp 500 juta tenor 5 tahun
- KPR BJB Syariah Rp 750 juta tenor 5 tahun
- KPR BJB Syariah Rp 1 miliar tenor 5 tahun
- KPR BJB Syariah Rp 200 juta tenor 10 tahun
- KPR BJB Syariah Rp 200 juta tenor 15 tahun
- KPR BJB Syariah Rp 200 juta tenor 20 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.