Simulasi KPR BNI Rp 200 juta Tenor 20 tahun
Hitung cicilan KPR BNI untuk pinjaman Rp 200 juta dengan tenor 20 tahun. Pakai parameter rate card publik PT Bank Negara Indonesia (Persero) Tbk.
Data per 02-05-2026 · Sumber: Rate card publik BNI
Cicilan tahun fixed (3 tahun pertama)
Rp 1.347.688/bulan
Lalu cicilan estimasi tahun floating: Rp 1.769.341/bulan
Sesuaikan parameter
Simulasi memakai parameter BNI Griya. 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 5.787.920
Cicilan estimasi tahun floating (sisa 12 tahun)
Rp 7.113.301
Total bunga / margin dibayar
Rp 512.680.417
Total dibayar (pokok + bunga)
Rp 1.232.680.417
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 5.787.920 | Rp 2.637.920 | Rp 3.150.000 | Rp 717.362.080 | fixed |
| 2 | Rp 5.787.920 | Rp 2.649.460 | Rp 3.138.459 | Rp 714.712.620 | fixed |
| 3 | Rp 5.787.920 | Rp 2.661.052 | Rp 3.126.868 | Rp 712.051.568 | fixed |
| 4 | Rp 5.787.920 | Rp 2.672.694 | Rp 3.115.226 | Rp 709.378.874 | fixed |
| 5 | Rp 5.787.920 | Rp 2.684.387 | Rp 3.103.533 | Rp 706.694.487 | fixed |
| 6 | Rp 5.787.920 | Rp 2.696.131 | Rp 3.091.788 | Rp 703.998.356 | fixed |
| 7 | Rp 5.787.920 | Rp 2.707.927 | Rp 3.079.993 | Rp 701.290.429 | fixed |
| 8 | Rp 5.787.920 | Rp 2.719.774 | Rp 3.068.146 | Rp 698.570.655 | fixed |
| 9 | Rp 5.787.920 | Rp 2.731.673 | Rp 3.056.247 | Rp 695.838.982 | fixed |
| 10 | Rp 5.787.920 | Rp 2.743.624 | Rp 3.044.296 | Rp 693.095.358 | fixed |
| 11 | Rp 5.787.920 | Rp 2.755.627 | Rp 3.032.292 | Rp 690.339.731 | fixed |
| 12 | Rp 5.787.920 | Rp 2.767.683 | Rp 3.020.236 | Rp 687.572.048 | fixed |
| 13 | Rp 5.787.920 | Rp 2.779.792 | Rp 3.008.128 | Rp 684.792.256 | fixed |
| 14 | Rp 5.787.920 | Rp 2.791.953 | Rp 2.995.966 | Rp 682.000.303 | fixed |
| 15 | Rp 5.787.920 | Rp 2.804.168 | Rp 2.983.751 | Rp 679.196.134 | fixed |
| 16 | Rp 5.787.920 | Rp 2.816.436 | Rp 2.971.483 | Rp 676.379.698 | fixed |
| 17 | Rp 5.787.920 | Rp 2.828.758 | Rp 2.959.161 | Rp 673.550.940 | fixed |
| 18 | Rp 5.787.920 | Rp 2.841.134 | Rp 2.946.785 | Rp 670.709.805 | fixed |
| 19 | Rp 5.787.920 | Rp 2.853.564 | Rp 2.934.355 | Rp 667.856.241 | fixed |
| 20 | Rp 5.787.920 | Rp 2.866.048 | Rp 2.921.871 | Rp 664.990.193 | fixed |
| 21 | Rp 5.787.920 | Rp 2.878.587 | Rp 2.909.332 | Rp 662.111.605 | fixed |
| 22 | Rp 5.787.920 | Rp 2.891.181 | Rp 2.896.738 | Rp 659.220.424 | fixed |
| 23 | Rp 5.787.920 | Rp 2.903.830 | Rp 2.884.089 | Rp 656.316.594 | fixed |
| 24 | Rp 5.787.920 | Rp 2.916.534 | Rp 2.871.385 | Rp 653.400.059 | fixed |
| 25 | Rp 5.787.920 | Rp 2.929.294 | Rp 2.858.625 | Rp 650.470.765 | fixed |
| 26 | Rp 5.787.920 | Rp 2.942.110 | Rp 2.845.810 | Rp 647.528.655 | fixed |
| 27 | Rp 5.787.920 | Rp 2.954.982 | Rp 2.832.938 | Rp 644.573.673 | fixed |
| 28 | Rp 5.787.920 | Rp 2.967.910 | Rp 2.820.010 | Rp 641.605.764 | fixed |
| 29 | Rp 5.787.920 | Rp 2.980.894 | Rp 2.807.025 | Rp 638.624.869 | fixed |
| 30 | Rp 5.787.920 | Rp 2.993.936 | Rp 2.793.984 | Rp 635.630.934 | fixed |
| 31 | Rp 5.787.920 | Rp 3.007.034 | Rp 2.780.885 | Rp 632.623.899 | fixed |
| 32 | Rp 5.787.920 | Rp 3.020.190 | Rp 2.767.730 | Rp 629.603.709 | fixed |
| 33 | Rp 5.787.920 | Rp 3.033.403 | Rp 2.754.516 | Rp 626.570.306 | fixed |
| 34 | Rp 5.787.920 | Rp 3.046.674 | Rp 2.741.245 | Rp 623.523.632 | fixed |
| 35 | Rp 5.787.920 | Rp 3.060.004 | Rp 2.727.916 | Rp 620.463.628 | fixed |
| 36 | Rp 5.787.920 | Rp 3.073.391 | Rp 2.714.528 | Rp 617.390.237 | fixed |
| 37 | Rp 7.113.301 | Rp 2.354.251 | Rp 4.759.050 | Rp 615.035.986 | floating |
| 38 | Rp 7.113.301 | Rp 2.372.398 | Rp 4.740.902 | Rp 612.663.587 | floating |
| 39 | Rp 7.113.301 | Rp 2.390.686 | Rp 4.722.615 | Rp 610.272.902 | floating |
| 40 | Rp 7.113.301 | Rp 2.409.114 | Rp 4.704.187 | Rp 607.863.788 | floating |
| 41 | Rp 7.113.301 | Rp 2.427.684 | Rp 4.685.617 | Rp 605.436.104 | floating |
| 42 | Rp 7.113.301 | Rp 2.446.397 | Rp 4.666.903 | Rp 602.989.706 | floating |
| 43 | Rp 7.113.301 | Rp 2.465.255 | Rp 4.648.046 | Rp 600.524.451 | floating |
| 44 | Rp 7.113.301 | Rp 2.484.258 | Rp 4.629.043 | Rp 598.040.193 | floating |
| 45 | Rp 7.113.301 | Rp 2.503.408 | Rp 4.609.893 | Rp 595.536.785 | floating |
| 46 | Rp 7.113.301 | Rp 2.522.705 | Rp 4.590.596 | Rp 593.014.081 | floating |
| 47 | Rp 7.113.301 | Rp 2.542.151 | Rp 4.571.150 | Rp 590.471.930 | floating |
| 48 | Rp 7.113.301 | Rp 2.561.746 | Rp 4.551.554 | Rp 587.910.184 | floating |
| 49 | Rp 7.113.301 | Rp 2.581.493 | Rp 4.531.808 | Rp 585.328.691 | floating |
| 50 | Rp 7.113.301 | Rp 2.601.392 | Rp 4.511.909 | Rp 582.727.299 | floating |
| 51 | Rp 7.113.301 | Rp 2.621.445 | Rp 4.491.856 | Rp 580.105.854 | floating |
| 52 | Rp 7.113.301 | Rp 2.641.651 | Rp 4.471.649 | Rp 577.464.202 | floating |
| 53 | Rp 7.113.301 | Rp 2.662.014 | Rp 4.451.287 | Rp 574.802.188 | floating |
| 54 | Rp 7.113.301 | Rp 2.682.534 | Rp 4.430.767 | Rp 572.119.654 | floating |
| 55 | Rp 7.113.301 | Rp 2.703.212 | Rp 4.410.089 | Rp 569.416.443 | floating |
| 56 | Rp 7.113.301 | Rp 2.724.049 | Rp 4.389.252 | Rp 566.692.394 | floating |
| 57 | Rp 7.113.301 | Rp 2.745.047 | Rp 4.368.254 | Rp 563.947.347 | floating |
| 58 | Rp 7.113.301 | Rp 2.766.207 | Rp 4.347.094 | Rp 561.181.140 | floating |
| 59 | Rp 7.113.301 | Rp 2.787.529 | Rp 4.325.771 | Rp 558.393.610 | floating |
| 60 | Rp 7.113.301 | Rp 2.809.017 | Rp 4.304.284 | Rp 555.584.594 | floating |
| 61 | Rp 7.113.301 | Rp 2.830.670 | Rp 4.282.631 | Rp 552.753.924 | floating |
| 62 | Rp 7.113.301 | Rp 2.852.489 | Rp 4.260.811 | Rp 549.901.435 | floating |
| 63 | Rp 7.113.301 | Rp 2.874.477 | Rp 4.238.824 | Rp 547.026.958 | floating |
| 64 | Rp 7.113.301 | Rp 2.896.635 | Rp 4.216.666 | Rp 544.130.323 | floating |
| 65 | Rp 7.113.301 | Rp 2.918.963 | Rp 4.194.338 | Rp 541.211.360 | floating |
| 66 | Rp 7.113.301 | Rp 2.941.463 | Rp 4.171.838 | Rp 538.269.897 | floating |
| 67 | Rp 7.113.301 | Rp 2.964.137 | Rp 4.149.164 | Rp 535.305.760 | floating |
| 68 | Rp 7.113.301 | Rp 2.986.986 | Rp 4.126.315 | Rp 532.318.774 | floating |
| 69 | Rp 7.113.301 | Rp 3.010.010 | Rp 4.103.291 | Rp 529.308.764 | floating |
| 70 | Rp 7.113.301 | Rp 3.033.212 | Rp 4.080.088 | Rp 526.275.552 | floating |
| 71 | Rp 7.113.301 | Rp 3.056.593 | Rp 4.056.707 | Rp 523.218.958 | floating |
| 72 | Rp 7.113.301 | Rp 3.080.155 | Rp 4.033.146 | Rp 520.138.804 | floating |
| 73 | Rp 7.113.301 | Rp 3.103.898 | Rp 4.009.403 | Rp 517.034.906 | floating |
| 74 | Rp 7.113.301 | Rp 3.127.823 | Rp 3.985.477 | Rp 513.907.083 | floating |
| 75 | Rp 7.113.301 | Rp 3.151.934 | Rp 3.961.367 | Rp 510.755.149 | floating |
| 76 | Rp 7.113.301 | Rp 3.176.230 | Rp 3.937.071 | Rp 507.578.919 | floating |
| 77 | Rp 7.113.301 | Rp 3.200.713 | Rp 3.912.588 | Rp 504.378.206 | floating |
| 78 | Rp 7.113.301 | Rp 3.225.385 | Rp 3.887.915 | Rp 501.152.821 | floating |
| 79 | Rp 7.113.301 | Rp 3.250.248 | Rp 3.863.053 | Rp 497.902.573 | floating |
| 80 | Rp 7.113.301 | Rp 3.275.302 | Rp 3.837.999 | Rp 494.627.271 | floating |
| 81 | Rp 7.113.301 | Rp 3.300.549 | Rp 3.812.752 | Rp 491.326.722 | floating |
| 82 | Rp 7.113.301 | Rp 3.325.991 | Rp 3.787.310 | Rp 488.000.732 | floating |
| 83 | Rp 7.113.301 | Rp 3.351.628 | Rp 3.761.672 | Rp 484.649.103 | floating |
| 84 | Rp 7.113.301 | Rp 3.377.464 | Rp 3.735.837 | Rp 481.271.639 | floating |
| 85 | Rp 7.113.301 | Rp 3.403.499 | Rp 3.709.802 | Rp 477.868.141 | floating |
| 86 | Rp 7.113.301 | Rp 3.429.734 | Rp 3.683.567 | Rp 474.438.407 | floating |
| 87 | Rp 7.113.301 | Rp 3.456.171 | Rp 3.657.129 | Rp 470.982.235 | floating |
| 88 | Rp 7.113.301 | Rp 3.482.813 | Rp 3.630.488 | Rp 467.499.423 | floating |
| 89 | Rp 7.113.301 | Rp 3.509.659 | Rp 3.603.641 | Rp 463.989.763 | floating |
| 90 | Rp 7.113.301 | Rp 3.536.713 | Rp 3.576.588 | Rp 460.453.050 | floating |
| 91 | Rp 7.113.301 | Rp 3.563.975 | Rp 3.549.326 | Rp 456.889.075 | floating |
| 92 | Rp 7.113.301 | Rp 3.591.447 | Rp 3.521.853 | Rp 453.297.627 | floating |
| 93 | Rp 7.113.301 | Rp 3.619.132 | Rp 3.494.169 | Rp 449.678.496 | floating |
| 94 | Rp 7.113.301 | Rp 3.647.029 | Rp 3.466.272 | Rp 446.031.467 | floating |
| 95 | Rp 7.113.301 | Rp 3.675.142 | Rp 3.438.159 | Rp 442.356.325 | floating |
| 96 | Rp 7.113.301 | Rp 3.703.471 | Rp 3.409.830 | Rp 438.652.854 | floating |
| 97 | Rp 7.113.301 | Rp 3.732.018 | Rp 3.381.282 | Rp 434.920.836 | floating |
| 98 | Rp 7.113.301 | Rp 3.760.786 | Rp 3.352.515 | Rp 431.160.050 | floating |
| 99 | Rp 7.113.301 | Rp 3.789.775 | Rp 3.323.525 | Rp 427.370.275 | floating |
| 100 | Rp 7.113.301 | Rp 3.818.988 | Rp 3.294.313 | Rp 423.551.286 | floating |
| 101 | Rp 7.113.301 | Rp 3.848.426 | Rp 3.264.874 | Rp 419.702.860 | floating |
| 102 | Rp 7.113.301 | Rp 3.878.091 | Rp 3.235.210 | Rp 415.824.769 | floating |
| 103 | Rp 7.113.301 | Rp 3.907.985 | Rp 3.205.316 | Rp 411.916.784 | floating |
| 104 | Rp 7.113.301 | Rp 3.938.109 | Rp 3.175.192 | Rp 407.978.675 | floating |
| 105 | Rp 7.113.301 | Rp 3.968.465 | Rp 3.144.836 | Rp 404.010.210 | floating |
| 106 | Rp 7.113.301 | Rp 3.999.055 | Rp 3.114.245 | Rp 400.011.155 | floating |
| 107 | Rp 7.113.301 | Rp 4.029.881 | Rp 3.083.419 | Rp 395.981.273 | floating |
| 108 | Rp 7.113.301 | Rp 4.060.945 | Rp 3.052.356 | Rp 391.920.328 | floating |
| 109 | Rp 7.113.301 | Rp 4.092.248 | Rp 3.021.053 | Rp 387.828.080 | floating |
| 110 | Rp 7.113.301 | Rp 4.123.793 | Rp 2.989.508 | Rp 383.704.287 | floating |
| 111 | Rp 7.113.301 | Rp 4.155.580 | Rp 2.957.721 | Rp 379.548.707 | floating |
| 112 | Rp 7.113.301 | Rp 4.187.613 | Rp 2.925.688 | Rp 375.361.094 | floating |
| 113 | Rp 7.113.301 | Rp 4.219.892 | Rp 2.893.408 | Rp 371.141.202 | floating |
| 114 | Rp 7.113.301 | Rp 4.252.421 | Rp 2.860.880 | Rp 366.888.781 | floating |
| 115 | Rp 7.113.301 | Rp 4.285.200 | Rp 2.828.101 | Rp 362.603.581 | floating |
| 116 | Rp 7.113.301 | Rp 4.318.232 | Rp 2.795.069 | Rp 358.285.350 | floating |
| 117 | Rp 7.113.301 | Rp 4.351.518 | Rp 2.761.783 | Rp 353.933.832 | floating |
| 118 | Rp 7.113.301 | Rp 4.385.061 | Rp 2.728.240 | Rp 349.548.771 | floating |
| 119 | Rp 7.113.301 | Rp 4.418.862 | Rp 2.694.438 | Rp 345.129.909 | floating |
| 120 | Rp 7.113.301 | Rp 4.452.924 | Rp 2.660.376 | Rp 340.676.984 | floating |
| 121 | Rp 7.113.301 | Rp 4.487.249 | Rp 2.626.052 | Rp 336.189.735 | floating |
| 122 | Rp 7.113.301 | Rp 4.521.838 | Rp 2.591.463 | Rp 331.667.897 | floating |
| 123 | Rp 7.113.301 | Rp 4.556.694 | Rp 2.556.607 | Rp 327.111.203 | floating |
| 124 | Rp 7.113.301 | Rp 4.591.819 | Rp 2.521.482 | Rp 322.519.384 | floating |
| 125 | Rp 7.113.301 | Rp 4.627.214 | Rp 2.486.087 | Rp 317.892.170 | floating |
| 126 | Rp 7.113.301 | Rp 4.662.882 | Rp 2.450.419 | Rp 313.229.288 | floating |
| 127 | Rp 7.113.301 | Rp 4.698.825 | Rp 2.414.476 | Rp 308.530.463 | floating |
| 128 | Rp 7.113.301 | Rp 4.735.045 | Rp 2.378.256 | Rp 303.795.418 | floating |
| 129 | Rp 7.113.301 | Rp 4.771.544 | Rp 2.341.756 | Rp 299.023.874 | floating |
| 130 | Rp 7.113.301 | Rp 4.808.325 | Rp 2.304.976 | Rp 294.215.549 | floating |
| 131 | Rp 7.113.301 | Rp 4.845.389 | Rp 2.267.912 | Rp 289.370.160 | floating |
| 132 | Rp 7.113.301 | Rp 4.882.739 | Rp 2.230.562 | Rp 284.487.420 | floating |
| 133 | Rp 7.113.301 | Rp 4.920.377 | Rp 2.192.924 | Rp 279.567.044 | floating |
| 134 | Rp 7.113.301 | Rp 4.958.305 | Rp 2.154.996 | Rp 274.608.739 | floating |
| 135 | Rp 7.113.301 | Rp 4.996.525 | Rp 2.116.776 | Rp 269.612.214 | floating |
| 136 | Rp 7.113.301 | Rp 5.035.040 | Rp 2.078.261 | Rp 264.577.174 | floating |
| 137 | Rp 7.113.301 | Rp 5.073.852 | Rp 2.039.449 | Rp 259.503.322 | floating |
| 138 | Rp 7.113.301 | Rp 5.112.963 | Rp 2.000.338 | Rp 254.390.359 | floating |
| 139 | Rp 7.113.301 | Rp 5.152.375 | Rp 1.960.926 | Rp 249.237.984 | floating |
| 140 | Rp 7.113.301 | Rp 5.192.091 | Rp 1.921.209 | Rp 244.045.893 | floating |
| 141 | Rp 7.113.301 | Rp 5.232.114 | Rp 1.881.187 | Rp 238.813.779 | floating |
| 142 | Rp 7.113.301 | Rp 5.272.445 | Rp 1.840.856 | Rp 233.541.335 | floating |
| 143 | Rp 7.113.301 | Rp 5.313.086 | Rp 1.800.214 | Rp 228.228.248 | floating |
| 144 | Rp 7.113.301 | Rp 5.354.041 | Rp 1.759.259 | Rp 222.874.207 | floating |
| 145 | Rp 7.113.301 | Rp 5.395.312 | Rp 1.717.989 | Rp 217.478.895 | floating |
| 146 | Rp 7.113.301 | Rp 5.436.901 | Rp 1.676.400 | Rp 212.041.994 | floating |
| 147 | Rp 7.113.301 | Rp 5.478.810 | Rp 1.634.490 | Rp 206.563.183 | floating |
| 148 | Rp 7.113.301 | Rp 5.521.043 | Rp 1.592.258 | Rp 201.042.140 | floating |
| 149 | Rp 7.113.301 | Rp 5.563.601 | Rp 1.549.700 | Rp 195.478.539 | floating |
| 150 | Rp 7.113.301 | Rp 5.606.487 | Rp 1.506.814 | Rp 189.872.052 | floating |
| 151 | Rp 7.113.301 | Rp 5.649.704 | Rp 1.463.597 | Rp 184.222.349 | floating |
| 152 | Rp 7.113.301 | Rp 5.693.254 | Rp 1.420.047 | Rp 178.529.095 | floating |
| 153 | Rp 7.113.301 | Rp 5.737.139 | Rp 1.376.162 | Rp 172.791.956 | floating |
| 154 | Rp 7.113.301 | Rp 5.781.363 | Rp 1.331.938 | Rp 167.010.593 | floating |
| 155 | Rp 7.113.301 | Rp 5.825.927 | Rp 1.287.373 | Rp 161.184.666 | floating |
| 156 | Rp 7.113.301 | Rp 5.870.836 | Rp 1.242.465 | Rp 155.313.830 | floating |
| 157 | Rp 7.113.301 | Rp 5.916.090 | Rp 1.197.211 | Rp 149.397.740 | floating |
| 158 | Rp 7.113.301 | Rp 5.961.693 | Rp 1.151.608 | Rp 143.436.047 | floating |
| 159 | Rp 7.113.301 | Rp 6.007.648 | Rp 1.105.653 | Rp 137.428.399 | floating |
| 160 | Rp 7.113.301 | Rp 6.053.957 | Rp 1.059.344 | Rp 131.374.442 | floating |
| 161 | Rp 7.113.301 | Rp 6.100.623 | Rp 1.012.678 | Rp 125.273.820 | floating |
| 162 | Rp 7.113.301 | Rp 6.147.648 | Rp 965.652 | Rp 119.126.171 | floating |
| 163 | Rp 7.113.301 | Rp 6.195.037 | Rp 918.264 | Rp 112.931.135 | floating |
| 164 | Rp 7.113.301 | Rp 6.242.790 | Rp 870.511 | Rp 106.688.345 | floating |
| 165 | Rp 7.113.301 | Rp 6.290.911 | Rp 822.389 | Rp 100.397.433 | floating |
| 166 | Rp 7.113.301 | Rp 6.339.404 | Rp 773.897 | Rp 94.058.029 | floating |
| 167 | Rp 7.113.301 | Rp 6.388.270 | Rp 725.031 | Rp 87.669.759 | floating |
| 168 | Rp 7.113.301 | Rp 6.437.513 | Rp 675.788 | Rp 81.232.246 | floating |
| 169 | Rp 7.113.301 | Rp 6.487.136 | Rp 626.165 | Rp 74.745.111 | floating |
| 170 | Rp 7.113.301 | Rp 6.537.141 | Rp 576.160 | Rp 68.207.970 | floating |
| 171 | Rp 7.113.301 | Rp 6.587.531 | Rp 525.770 | Rp 61.620.439 | floating |
| 172 | Rp 7.113.301 | Rp 6.638.310 | Rp 474.991 | Rp 54.982.129 | floating |
| 173 | Rp 7.113.301 | Rp 6.689.480 | Rp 423.821 | Rp 48.292.649 | floating |
| 174 | Rp 7.113.301 | Rp 6.741.045 | Rp 372.256 | Rp 41.551.604 | floating |
| 175 | Rp 7.113.301 | Rp 6.793.007 | Rp 320.294 | Rp 34.758.597 | floating |
| 176 | Rp 7.113.301 | Rp 6.845.370 | Rp 267.931 | Rp 27.913.227 | floating |
| 177 | Rp 7.113.301 | Rp 6.898.136 | Rp 215.164 | Rp 21.015.090 | floating |
| 178 | Rp 7.113.301 | Rp 6.951.309 | Rp 161.991 | Rp 14.063.781 | floating |
| 179 | Rp 7.113.301 | Rp 7.004.892 | Rp 108.408 | Rp 7.058.889 | floating |
| 180 | Rp 7.113.301 | Rp 7.058.889 | Rp 54.412 | 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 BNI Rp 200 juta 20 tahun
| Pokok pinjaman | Rp 200.000.000 |
| Bunga fixed | 5,25% selama 3 tahun |
| Bunga floating estimasi | 9,25% |
| Tenor total | 20 tahun (240 bulan) |
| Cicilan tahun fixed | Rp 1.347.688/bulan |
| Cicilan estimasi tahun floating | Rp 1.769.341/bulan |
| Total bunga sepanjang tenor | Rp 209.462.317 |
| Total dibayar | Rp 409.462.317 |
Pertimbangan untuk pinjaman Rp 200 juta
Pinjaman Rp 200 juta dengan tenor 20 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 4.043.065/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 20.946.232 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 BNI
BNI Griya adalah produk KPR PT Bank Negara Indonesia (Persero) Tbk dengan skema fixed-floating standar perbankan Indonesia. Sumber rate card: https://www.bni.co.id/id-id/personal/kredit/bnigriya.
Pertanyaan yang sering diajukan
Berapa cicilan KPR BNI Rp 200 juta 20 tahun?
Untuk pinjaman Rp 200 juta dengan tenor 20 tahun, cicilan tahun fixed (3 tahun pertama, bunga 5.25%) sekitar Rp 1.347.688. Setelah masa fixed, cicilan estimasi Rp 1.769.341 dengan bunga floating ~9.25%.
Berapa total bunga yang dibayar untuk KPR Rp 200 juta 20 tahun di BNI?
Total bunga estimasi sekitar Rp 209.462.317 sepanjang tenor 20 tahun. Total dibayar (pokok + bunga) sekitar Rp 409.462.317. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR BNI?
BNI 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 Negara Indonesia (Persero) 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 BNI untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 200 juta 20 tahun)
- Simulasi KPR BCA Rp 200 juta 20 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 200 juta 20 tahun (fixed 4.99%)
- Simulasi KPR BRI Rp 200 juta 20 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 200 juta 20 tahun (fixed 5%)
- Simulasi KPR BSI Rp 200 juta 20 tahun (fixed 6.5%)
Skenario lain BNI
- KPR BNI Rp 300 juta tenor 20 tahun
- KPR BNI Rp 500 juta tenor 20 tahun
- KPR BNI Rp 750 juta tenor 20 tahun
- KPR BNI Rp 1 miliar tenor 20 tahun
- KPR BNI Rp 200 juta tenor 5 tahun
- KPR BNI Rp 200 juta tenor 10 tahun
- KPR BNI Rp 200 juta tenor 15 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi BNI. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.