Simulasi KPR BPR KS Rp 500 juta Tenor 15 tahun
Hitung cicilan KPR BPR KS untuk pinjaman Rp 500 juta dengan tenor 15 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 5.221.123/bulan
Lalu cicilan estimasi tahun floating: Rp 5.221.123/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 500 juta 15 tahun
| Pokok pinjaman | Rp 500.000.000 |
| Bunga fixed | 9,5% selama 10 tahun |
| Bunga floating estimasi | 9,5% |
| Tenor total | 15 tahun (180 bulan) |
| Cicilan tahun fixed | Rp 5.221.123/bulan |
| Cicilan estimasi tahun floating | Rp 5.221.123/bulan |
| Total bunga sepanjang tenor | Rp 439.802.215 |
| Total dibayar | Rp 939.802.215 |
Pertimbangan untuk pinjaman Rp 500 juta
Pinjaman Rp 500 juta dengan tenor 15 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 15.663.370/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:
- DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 625.000.000 bisa menghemat sekitar Rp 43.980.221 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 500 juta 15 tahun?
Untuk pinjaman Rp 500 juta dengan tenor 15 tahun, cicilan tahun fixed (10 tahun pertama, bunga 9.5%) sekitar Rp 5.221.123. Setelah masa fixed, cicilan estimasi Rp 5.221.123 dengan bunga floating ~9.5%.
Berapa total bunga yang dibayar untuk KPR Rp 500 juta 15 tahun di BPR KS?
Total bunga estimasi sekitar Rp 439.802.215 sepanjang tenor 15 tahun. Total dibayar (pokok + bunga) sekitar Rp 939.802.215. 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 500 juta 15 tahun)
- Simulasi KPR BCA Rp 500 juta 15 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 500 juta 15 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 500 juta 15 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 500 juta 15 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 500 juta 15 tahun (fixed 5%)
Skenario lain BPR KS
- KPR BPR KS Rp 200 juta tenor 15 tahun
- KPR BPR KS Rp 300 juta tenor 15 tahun
- KPR BPR KS Rp 750 juta tenor 15 tahun
- KPR BPR KS Rp 1 miliar tenor 15 tahun
- KPR BPR KS Rp 500 juta tenor 5 tahun
- KPR BPR KS Rp 500 juta tenor 10 tahun
- KPR BPR KS Rp 500 juta 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.