Simulasi KPR BPR KS Rp 2 miliar Tenor 10 tahun
Hitung cicilan KPR BPR KS untuk pinjaman Rp 2 miliar dengan tenor 10 tahun. Pakai parameter rate card publik PT BPR Karyajatnika Sadaya.
Data per 02-05-2026 · Sumber: Rate card publik BPR KS
Cicilan tahun fixed (10 tahun pertama)
Rp 25.879.512/bulan
Lalu cicilan estimasi tahun floating: Rp 25.879.512/bulan
Sesuaikan parameter
Simulasi memakai parameter BPR KS Kredit Pemilikan Rumah. Silakan ubah angka di bawah untuk skenario Anda.
Pokok pinjaman
Rp 640.000.000
Uang muka (DP)
Rp 160.000.000 (20%)
Cicilan bulanan (tetap selama tenor)
Rp 6.683.038
Total bunga / margin dibayar
Rp 562.946.835
Total dibayar (pokok + bunga)
Rp 1.202.946.835
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 6.683.038 | Rp 1.616.371 | Rp 5.066.667 | Rp 638.383.629 | fixed |
| 2 | Rp 6.683.038 | Rp 1.629.168 | Rp 5.053.870 | Rp 636.754.461 | fixed |
| 3 | Rp 6.683.038 | Rp 1.642.065 | Rp 5.040.973 | Rp 635.112.396 | fixed |
| 4 | Rp 6.683.038 | Rp 1.655.065 | Rp 5.027.973 | Rp 633.457.331 | fixed |
| 5 | Rp 6.683.038 | Rp 1.668.167 | Rp 5.014.871 | Rp 631.789.164 | fixed |
| 6 | Rp 6.683.038 | Rp 1.681.374 | Rp 5.001.664 | Rp 630.107.790 | fixed |
| 7 | Rp 6.683.038 | Rp 1.694.685 | Rp 4.988.353 | Rp 628.413.105 | fixed |
| 8 | Rp 6.683.038 | Rp 1.708.101 | Rp 4.974.937 | Rp 626.705.004 | fixed |
| 9 | Rp 6.683.038 | Rp 1.721.623 | Rp 4.961.415 | Rp 624.983.381 | fixed |
| 10 | Rp 6.683.038 | Rp 1.735.253 | Rp 4.947.785 | Rp 623.248.128 | fixed |
| 11 | Rp 6.683.038 | Rp 1.748.990 | Rp 4.934.048 | Rp 621.499.138 | fixed |
| 12 | Rp 6.683.038 | Rp 1.762.836 | Rp 4.920.202 | Rp 619.736.301 | fixed |
| 13 | Rp 6.683.038 | Rp 1.776.792 | Rp 4.906.246 | Rp 617.959.509 | fixed |
| 14 | Rp 6.683.038 | Rp 1.790.859 | Rp 4.892.179 | Rp 616.168.651 | fixed |
| 15 | Rp 6.683.038 | Rp 1.805.036 | Rp 4.878.002 | Rp 614.363.615 | fixed |
| 16 | Rp 6.683.038 | Rp 1.819.326 | Rp 4.863.712 | Rp 612.544.289 | fixed |
| 17 | Rp 6.683.038 | Rp 1.833.729 | Rp 4.849.309 | Rp 610.710.559 | fixed |
| 18 | Rp 6.683.038 | Rp 1.848.246 | Rp 4.834.792 | Rp 608.862.313 | fixed |
| 19 | Rp 6.683.038 | Rp 1.862.878 | Rp 4.820.160 | Rp 606.999.435 | fixed |
| 20 | Rp 6.683.038 | Rp 1.877.626 | Rp 4.805.412 | Rp 605.121.810 | fixed |
| 21 | Rp 6.683.038 | Rp 1.892.490 | Rp 4.790.548 | Rp 603.229.319 | fixed |
| 22 | Rp 6.683.038 | Rp 1.907.473 | Rp 4.775.565 | Rp 601.321.847 | fixed |
| 23 | Rp 6.683.038 | Rp 1.922.573 | Rp 4.760.465 | Rp 599.399.273 | fixed |
| 24 | Rp 6.683.038 | Rp 1.937.794 | Rp 4.745.244 | Rp 597.461.480 | fixed |
| 25 | Rp 6.683.038 | Rp 1.953.135 | Rp 4.729.903 | Rp 595.508.345 | fixed |
| 26 | Rp 6.683.038 | Rp 1.968.597 | Rp 4.714.441 | Rp 593.539.748 | fixed |
| 27 | Rp 6.683.038 | Rp 1.984.182 | Rp 4.698.856 | Rp 591.555.567 | fixed |
| 28 | Rp 6.683.038 | Rp 1.999.890 | Rp 4.683.148 | Rp 589.555.677 | fixed |
| 29 | Rp 6.683.038 | Rp 2.015.722 | Rp 4.667.316 | Rp 587.539.955 | fixed |
| 30 | Rp 6.683.038 | Rp 2.031.680 | Rp 4.651.358 | Rp 585.508.275 | fixed |
| 31 | Rp 6.683.038 | Rp 2.047.764 | Rp 4.635.274 | Rp 583.460.511 | fixed |
| 32 | Rp 6.683.038 | Rp 2.063.976 | Rp 4.619.062 | Rp 581.396.535 | fixed |
| 33 | Rp 6.683.038 | Rp 2.080.315 | Rp 4.602.723 | Rp 579.316.220 | fixed |
| 34 | Rp 6.683.038 | Rp 2.096.785 | Rp 4.586.253 | Rp 577.219.435 | fixed |
| 35 | Rp 6.683.038 | Rp 2.113.384 | Rp 4.569.654 | Rp 575.106.051 | fixed |
| 36 | Rp 6.683.038 | Rp 2.130.115 | Rp 4.552.923 | Rp 572.975.936 | fixed |
| 37 | Rp 6.683.038 | Rp 2.146.978 | Rp 4.536.059 | Rp 570.828.957 | fixed |
| 38 | Rp 6.683.038 | Rp 2.163.975 | Rp 4.519.063 | Rp 568.664.982 | fixed |
| 39 | Rp 6.683.038 | Rp 2.181.107 | Rp 4.501.931 | Rp 566.483.875 | fixed |
| 40 | Rp 6.683.038 | Rp 2.198.374 | Rp 4.484.664 | Rp 564.285.501 | fixed |
| 41 | Rp 6.683.038 | Rp 2.215.778 | Rp 4.467.260 | Rp 562.069.723 | fixed |
| 42 | Rp 6.683.038 | Rp 2.233.319 | Rp 4.449.719 | Rp 559.836.404 | fixed |
| 43 | Rp 6.683.038 | Rp 2.251.000 | Rp 4.432.038 | Rp 557.585.404 | fixed |
| 44 | Rp 6.683.038 | Rp 2.268.820 | Rp 4.414.218 | Rp 555.316.584 | fixed |
| 45 | Rp 6.683.038 | Rp 2.286.782 | Rp 4.396.256 | Rp 553.029.802 | fixed |
| 46 | Rp 6.683.038 | Rp 2.304.885 | Rp 4.378.153 | Rp 550.724.917 | fixed |
| 47 | Rp 6.683.038 | Rp 2.323.132 | Rp 4.359.906 | Rp 548.401.785 | fixed |
| 48 | Rp 6.683.038 | Rp 2.341.524 | Rp 4.341.514 | Rp 546.060.261 | fixed |
| 49 | Rp 6.683.038 | Rp 2.360.061 | Rp 4.322.977 | Rp 543.700.200 | fixed |
| 50 | Rp 6.683.038 | Rp 2.378.745 | Rp 4.304.293 | Rp 541.321.455 | fixed |
| 51 | Rp 6.683.038 | Rp 2.397.576 | Rp 4.285.462 | Rp 538.923.879 | fixed |
| 52 | Rp 6.683.038 | Rp 2.416.557 | Rp 4.266.481 | Rp 536.507.322 | fixed |
| 53 | Rp 6.683.038 | Rp 2.435.688 | Rp 4.247.350 | Rp 534.071.633 | fixed |
| 54 | Rp 6.683.038 | Rp 2.454.971 | Rp 4.228.067 | Rp 531.616.662 | fixed |
| 55 | Rp 6.683.038 | Rp 2.474.406 | Rp 4.208.632 | Rp 529.142.256 | fixed |
| 56 | Rp 6.683.038 | Rp 2.493.995 | Rp 4.189.043 | Rp 526.648.261 | fixed |
| 57 | Rp 6.683.038 | Rp 2.513.739 | Rp 4.169.299 | Rp 524.134.522 | fixed |
| 58 | Rp 6.683.038 | Rp 2.533.640 | Rp 4.149.398 | Rp 521.600.882 | fixed |
| 59 | Rp 6.683.038 | Rp 2.553.698 | Rp 4.129.340 | Rp 519.047.185 | fixed |
| 60 | Rp 6.683.038 | Rp 2.573.914 | Rp 4.109.124 | Rp 516.473.270 | fixed |
| 61 | Rp 6.683.038 | Rp 2.594.291 | Rp 4.088.747 | Rp 513.878.979 | fixed |
| 62 | Rp 6.683.038 | Rp 2.614.829 | Rp 4.068.209 | Rp 511.264.150 | fixed |
| 63 | Rp 6.683.038 | Rp 2.635.530 | Rp 4.047.508 | Rp 508.628.619 | fixed |
| 64 | Rp 6.683.038 | Rp 2.656.395 | Rp 4.026.643 | Rp 505.972.225 | fixed |
| 65 | Rp 6.683.038 | Rp 2.677.425 | Rp 4.005.613 | Rp 503.294.800 | fixed |
| 66 | Rp 6.683.038 | Rp 2.698.621 | Rp 3.984.417 | Rp 500.596.179 | fixed |
| 67 | Rp 6.683.038 | Rp 2.719.985 | Rp 3.963.053 | Rp 497.876.194 | fixed |
| 68 | Rp 6.683.038 | Rp 2.741.518 | Rp 3.941.520 | Rp 495.134.676 | fixed |
| 69 | Rp 6.683.038 | Rp 2.763.222 | Rp 3.919.816 | Rp 492.371.455 | fixed |
| 70 | Rp 6.683.038 | Rp 2.785.097 | Rp 3.897.941 | Rp 489.586.357 | fixed |
| 71 | Rp 6.683.038 | Rp 2.807.146 | Rp 3.875.892 | Rp 486.779.211 | fixed |
| 72 | Rp 6.683.038 | Rp 2.829.369 | Rp 3.853.669 | Rp 483.949.842 | fixed |
| 73 | Rp 6.683.038 | Rp 2.851.768 | Rp 3.831.270 | Rp 481.098.074 | fixed |
| 74 | Rp 6.683.038 | Rp 2.874.345 | Rp 3.808.693 | Rp 478.223.729 | fixed |
| 75 | Rp 6.683.038 | Rp 2.897.100 | Rp 3.785.938 | Rp 475.326.629 | fixed |
| 76 | Rp 6.683.038 | Rp 2.920.035 | Rp 3.763.002 | Rp 472.406.593 | fixed |
| 77 | Rp 6.683.038 | Rp 2.943.152 | Rp 3.739.886 | Rp 469.463.441 | fixed |
| 78 | Rp 6.683.038 | Rp 2.966.452 | Rp 3.716.586 | Rp 466.496.988 | fixed |
| 79 | Rp 6.683.038 | Rp 2.989.937 | Rp 3.693.101 | Rp 463.507.052 | fixed |
| 80 | Rp 6.683.038 | Rp 3.013.607 | Rp 3.669.431 | Rp 460.493.444 | fixed |
| 81 | Rp 6.683.038 | Rp 3.037.465 | Rp 3.645.573 | Rp 457.455.980 | fixed |
| 82 | Rp 6.683.038 | Rp 3.061.511 | Rp 3.621.527 | Rp 454.394.468 | fixed |
| 83 | Rp 6.683.038 | Rp 3.085.748 | Rp 3.597.290 | Rp 451.308.720 | fixed |
| 84 | Rp 6.683.038 | Rp 3.110.177 | Rp 3.572.861 | Rp 448.198.542 | fixed |
| 85 | Rp 6.683.038 | Rp 3.134.800 | Rp 3.548.238 | Rp 445.063.743 | fixed |
| 86 | Rp 6.683.038 | Rp 3.159.617 | Rp 3.523.421 | Rp 441.904.126 | fixed |
| 87 | Rp 6.683.038 | Rp 3.184.630 | Rp 3.498.408 | Rp 438.719.496 | fixed |
| 88 | Rp 6.683.038 | Rp 3.209.842 | Rp 3.473.196 | Rp 435.509.654 | fixed |
| 89 | Rp 6.683.038 | Rp 3.235.253 | Rp 3.447.785 | Rp 432.274.401 | fixed |
| 90 | Rp 6.683.038 | Rp 3.260.866 | Rp 3.422.172 | Rp 429.013.535 | fixed |
| 91 | Rp 6.683.038 | Rp 3.286.681 | Rp 3.396.357 | Rp 425.726.854 | fixed |
| 92 | Rp 6.683.038 | Rp 3.312.700 | Rp 3.370.338 | Rp 422.414.154 | fixed |
| 93 | Rp 6.683.038 | Rp 3.338.926 | Rp 3.344.112 | Rp 419.075.228 | fixed |
| 94 | Rp 6.683.038 | Rp 3.365.359 | Rp 3.317.679 | Rp 415.709.869 | fixed |
| 95 | Rp 6.683.038 | Rp 3.392.002 | Rp 3.291.036 | Rp 412.317.867 | fixed |
| 96 | Rp 6.683.038 | Rp 3.418.855 | Rp 3.264.183 | Rp 408.899.013 | fixed |
| 97 | Rp 6.683.038 | Rp 3.445.921 | Rp 3.237.117 | Rp 405.453.092 | fixed |
| 98 | Rp 6.683.038 | Rp 3.473.201 | Rp 3.209.837 | Rp 401.979.891 | fixed |
| 99 | Rp 6.683.038 | Rp 3.500.697 | Rp 3.182.341 | Rp 398.479.194 | fixed |
| 100 | Rp 6.683.038 | Rp 3.528.411 | Rp 3.154.627 | Rp 394.950.783 | fixed |
| 101 | Rp 6.683.038 | Rp 3.556.344 | Rp 3.126.694 | Rp 391.394.438 | fixed |
| 102 | Rp 6.683.038 | Rp 3.584.499 | Rp 3.098.539 | Rp 387.809.940 | fixed |
| 103 | Rp 6.683.038 | Rp 3.612.876 | Rp 3.070.162 | Rp 384.197.064 | fixed |
| 104 | Rp 6.683.038 | Rp 3.641.478 | Rp 3.041.560 | Rp 380.555.586 | fixed |
| 105 | Rp 6.683.038 | Rp 3.670.306 | Rp 3.012.732 | Rp 376.885.280 | fixed |
| 106 | Rp 6.683.038 | Rp 3.699.363 | Rp 2.983.675 | Rp 373.185.917 | fixed |
| 107 | Rp 6.683.038 | Rp 3.728.649 | Rp 2.954.389 | Rp 369.457.267 | fixed |
| 108 | Rp 6.683.038 | Rp 3.758.168 | Rp 2.924.870 | Rp 365.699.099 | fixed |
| 109 | Rp 6.683.038 | Rp 3.787.920 | Rp 2.895.118 | Rp 361.911.179 | fixed |
| 110 | Rp 6.683.038 | Rp 3.817.908 | Rp 2.865.130 | Rp 358.093.271 | fixed |
| 111 | Rp 6.683.038 | Rp 3.848.133 | Rp 2.834.905 | Rp 354.245.138 | fixed |
| 112 | Rp 6.683.038 | Rp 3.878.597 | Rp 2.804.441 | Rp 350.366.541 | fixed |
| 113 | Rp 6.683.038 | Rp 3.909.303 | Rp 2.773.735 | Rp 346.457.238 | fixed |
| 114 | Rp 6.683.038 | Rp 3.940.252 | Rp 2.742.786 | Rp 342.516.987 | fixed |
| 115 | Rp 6.683.038 | Rp 3.971.445 | Rp 2.711.593 | Rp 338.545.542 | fixed |
| 116 | Rp 6.683.038 | Rp 4.002.886 | Rp 2.680.152 | Rp 334.542.656 | fixed |
| 117 | Rp 6.683.038 | Rp 4.034.575 | Rp 2.648.463 | Rp 330.508.081 | fixed |
| 118 | Rp 6.683.038 | Rp 4.066.516 | Rp 2.616.522 | Rp 326.441.565 | fixed |
| 119 | Rp 6.683.038 | Rp 4.098.709 | Rp 2.584.329 | Rp 322.342.856 | fixed |
| 120 | Rp 6.683.038 | Rp 4.131.157 | Rp 2.551.881 | Rp 318.211.699 | fixed |
| 121 | Rp 6.683.038 | Rp 4.163.862 | Rp 2.519.176 | Rp 314.047.837 | floating |
| 122 | Rp 6.683.038 | Rp 4.196.826 | Rp 2.486.212 | Rp 309.851.011 | floating |
| 123 | Rp 6.683.038 | Rp 4.230.051 | Rp 2.452.987 | Rp 305.620.960 | floating |
| 124 | Rp 6.683.038 | Rp 4.263.539 | Rp 2.419.499 | Rp 301.357.422 | floating |
| 125 | Rp 6.683.038 | Rp 4.297.292 | Rp 2.385.746 | Rp 297.060.130 | floating |
| 126 | Rp 6.683.038 | Rp 4.331.312 | Rp 2.351.726 | Rp 292.728.818 | floating |
| 127 | Rp 6.683.038 | Rp 4.365.601 | Rp 2.317.436 | Rp 288.363.216 | floating |
| 128 | Rp 6.683.038 | Rp 4.400.163 | Rp 2.282.875 | Rp 283.963.054 | floating |
| 129 | Rp 6.683.038 | Rp 4.434.997 | Rp 2.248.041 | Rp 279.528.057 | floating |
| 130 | Rp 6.683.038 | Rp 4.470.108 | Rp 2.212.930 | Rp 275.057.949 | floating |
| 131 | Rp 6.683.038 | Rp 4.505.496 | Rp 2.177.542 | Rp 270.552.453 | floating |
| 132 | Rp 6.683.038 | Rp 4.541.164 | Rp 2.141.874 | Rp 266.011.289 | floating |
| 133 | Rp 6.683.038 | Rp 4.577.115 | Rp 2.105.923 | Rp 261.434.174 | floating |
| 134 | Rp 6.683.038 | Rp 4.613.351 | Rp 2.069.687 | Rp 256.820.823 | floating |
| 135 | Rp 6.683.038 | Rp 4.649.873 | Rp 2.033.165 | Rp 252.170.950 | floating |
| 136 | Rp 6.683.038 | Rp 4.686.685 | Rp 1.996.353 | Rp 247.484.265 | floating |
| 137 | Rp 6.683.038 | Rp 4.723.788 | Rp 1.959.250 | Rp 242.760.478 | floating |
| 138 | Rp 6.683.038 | Rp 4.761.184 | Rp 1.921.854 | Rp 237.999.294 | floating |
| 139 | Rp 6.683.038 | Rp 4.798.877 | Rp 1.884.161 | Rp 233.200.417 | floating |
| 140 | Rp 6.683.038 | Rp 4.836.868 | Rp 1.846.170 | Rp 228.363.549 | floating |
| 141 | Rp 6.683.038 | Rp 4.875.160 | Rp 1.807.878 | Rp 223.488.389 | floating |
| 142 | Rp 6.683.038 | Rp 4.913.755 | Rp 1.769.283 | Rp 218.574.634 | floating |
| 143 | Rp 6.683.038 | Rp 4.952.655 | Rp 1.730.383 | Rp 213.621.978 | floating |
| 144 | Rp 6.683.038 | Rp 4.991.864 | Rp 1.691.174 | Rp 208.630.114 | floating |
| 145 | Rp 6.683.038 | Rp 5.031.383 | Rp 1.651.655 | Rp 203.598.732 | floating |
| 146 | Rp 6.683.038 | Rp 5.071.215 | Rp 1.611.823 | Rp 198.527.517 | floating |
| 147 | Rp 6.683.038 | Rp 5.111.362 | Rp 1.571.676 | Rp 193.416.155 | floating |
| 148 | Rp 6.683.038 | Rp 5.151.827 | Rp 1.531.211 | Rp 188.264.328 | floating |
| 149 | Rp 6.683.038 | Rp 5.192.612 | Rp 1.490.426 | Rp 183.071.716 | floating |
| 150 | Rp 6.683.038 | Rp 5.233.720 | Rp 1.449.318 | Rp 177.837.996 | floating |
| 151 | Rp 6.683.038 | Rp 5.275.154 | Rp 1.407.884 | Rp 172.562.842 | floating |
| 152 | Rp 6.683.038 | Rp 5.316.915 | Rp 1.366.123 | Rp 167.245.927 | floating |
| 153 | Rp 6.683.038 | Rp 5.359.008 | Rp 1.324.030 | Rp 161.886.919 | floating |
| 154 | Rp 6.683.038 | Rp 5.401.433 | Rp 1.281.605 | Rp 156.485.486 | floating |
| 155 | Rp 6.683.038 | Rp 5.444.195 | Rp 1.238.843 | Rp 151.041.291 | floating |
| 156 | Rp 6.683.038 | Rp 5.487.294 | Rp 1.195.744 | Rp 145.553.997 | floating |
| 157 | Rp 6.683.038 | Rp 5.530.735 | Rp 1.152.302 | Rp 140.023.261 | floating |
| 158 | Rp 6.683.038 | Rp 5.574.520 | Rp 1.108.517 | Rp 134.448.741 | floating |
| 159 | Rp 6.683.038 | Rp 5.618.652 | Rp 1.064.386 | Rp 128.830.089 | floating |
| 160 | Rp 6.683.038 | Rp 5.663.133 | Rp 1.019.905 | Rp 123.166.956 | floating |
| 161 | Rp 6.683.038 | Rp 5.707.966 | Rp 975.072 | Rp 117.458.989 | floating |
| 162 | Rp 6.683.038 | Rp 5.753.154 | Rp 929.884 | Rp 111.705.835 | floating |
| 163 | Rp 6.683.038 | Rp 5.798.700 | Rp 884.338 | Rp 105.907.135 | floating |
| 164 | Rp 6.683.038 | Rp 5.844.606 | Rp 838.431 | Rp 100.062.529 | floating |
| 165 | Rp 6.683.038 | Rp 5.890.876 | Rp 792.162 | Rp 94.171.652 | floating |
| 166 | Rp 6.683.038 | Rp 5.937.512 | Rp 745.526 | Rp 88.234.140 | floating |
| 167 | Rp 6.683.038 | Rp 5.984.518 | Rp 698.520 | Rp 82.249.622 | floating |
| 168 | Rp 6.683.038 | Rp 6.031.895 | Rp 651.143 | Rp 76.217.727 | floating |
| 169 | Rp 6.683.038 | Rp 6.079.648 | Rp 603.390 | Rp 70.138.079 | floating |
| 170 | Rp 6.683.038 | Rp 6.127.778 | Rp 555.260 | Rp 64.010.301 | floating |
| 171 | Rp 6.683.038 | Rp 6.176.290 | Rp 506.748 | Rp 57.834.012 | floating |
| 172 | Rp 6.683.038 | Rp 6.225.185 | Rp 457.853 | Rp 51.608.826 | floating |
| 173 | Rp 6.683.038 | Rp 6.274.468 | Rp 408.570 | Rp 45.334.358 | floating |
| 174 | Rp 6.683.038 | Rp 6.324.141 | Rp 358.897 | Rp 39.010.217 | floating |
| 175 | Rp 6.683.038 | Rp 6.374.207 | Rp 308.831 | Rp 32.636.010 | floating |
| 176 | Rp 6.683.038 | Rp 6.424.670 | Rp 258.368 | Rp 26.211.340 | floating |
| 177 | Rp 6.683.038 | Rp 6.475.532 | Rp 207.506 | Rp 19.735.809 | floating |
| 178 | Rp 6.683.038 | Rp 6.526.796 | Rp 156.242 | Rp 13.209.013 | floating |
| 179 | Rp 6.683.038 | Rp 6.578.467 | Rp 104.571 | Rp 6.630.546 | floating |
| 180 | Rp 6.683.038 | Rp 6.630.546 | Rp 52.492 | 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 BPR KS Rp 2 miliar 10 tahun
| Pokok pinjaman | Rp 2.000.000.000 |
| Bunga fixed | 9,5% selama 10 tahun |
| Bunga floating estimasi | 9,5% |
| Tenor total | 10 tahun (120 bulan) |
| Cicilan tahun fixed | Rp 25.879.512/bulan |
| Cicilan estimasi tahun floating | Rp 25.879.512/bulan |
| Total bunga sepanjang tenor | Rp 1.105.541.381 |
| Total dibayar | Rp 3.105.541.381 |
Pertimbangan untuk pinjaman Rp 2 miliar
Pinjaman Rp 2 miliar dengan tenor 10 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 77.638.535/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:
- DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 2.500.000.000 bisa menghemat sekitar Rp 110.554.138 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 BPR KS
BPR salah satu terbesar di Indonesia (Bandung). Tenor max 10 tahun, DP lebih besar dibanding bank umum, tapi proses approval lebih cepat & fleksibel. Sumber rate card: https://www.bprks.co.id/produk/kredit-pemilikan-rumah.
Pertanyaan yang sering diajukan
Berapa cicilan KPR BPR KS Rp 2 miliar 10 tahun?
Untuk pinjaman Rp 2 miliar dengan tenor 10 tahun, cicilan tahun fixed (10 tahun pertama, bunga 9.5%) sekitar Rp 25.879.512. Setelah masa fixed, cicilan estimasi Rp 25.879.512 dengan bunga floating ~9.5%.
Berapa total bunga yang dibayar untuk KPR Rp 2 miliar 10 tahun di BPR KS?
Total bunga estimasi sekitar Rp 1.105.541.381 sepanjang tenor 10 tahun. Total dibayar (pokok + bunga) sekitar Rp 3.105.541.381. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR BPR KS?
BPR KS mensyaratkan DP minimum 20% 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 BPR Karyajatnika Sadaya 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 BPR KS untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 2 miliar 10 tahun)
- Simulasi KPR BCA Rp 2 miliar 10 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 2 miliar 10 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 2 miliar 10 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 2 miliar 10 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 2 miliar 10 tahun (fixed 5%)
Skenario lain BPR KS
- KPR BPR KS Rp 200 juta tenor 10 tahun
- KPR BPR KS Rp 300 juta tenor 10 tahun
- KPR BPR KS Rp 500 juta tenor 10 tahun
- KPR BPR KS Rp 750 juta tenor 10 tahun
- KPR BPR KS Rp 2 miliar tenor 5 tahun
- KPR BPR KS Rp 2 miliar tenor 15 tahun
- KPR BPR KS Rp 2 miliar tenor 20 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi BPR KS. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.