Simulasi KPR BPR Lestari Rp 500 juta Tenor 5 tahun
Hitung cicilan KPR BPR Lestari untuk pinjaman Rp 500 juta dengan tenor 5 tahun. Pakai parameter rate card publik PT BPR Lestari Bali.
Data per 02-05-2026 · Sumber: Rate card publik BPR Lestari
Cicilan tahun fixed (10 tahun pertama)
Rp 10.871.212/bulan
Lalu cicilan estimasi tahun floating: Rp 10.871.212/bulan
Sesuaikan parameter
Simulasi memakai parameter BPR Lestari KPR. 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 7.274.220
Total bunga / margin dibayar
Rp 669.359.669
Total dibayar (pokok + bunga)
Rp 1.309.359.669
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 7.274.220 | Rp 1.407.554 | Rp 5.866.667 | Rp 638.592.446 | fixed |
| 2 | Rp 7.274.220 | Rp 1.420.456 | Rp 5.853.764 | Rp 637.171.990 | fixed |
| 3 | Rp 7.274.220 | Rp 1.433.477 | Rp 5.840.743 | Rp 635.738.513 | fixed |
| 4 | Rp 7.274.220 | Rp 1.446.617 | Rp 5.827.603 | Rp 634.291.896 | fixed |
| 5 | Rp 7.274.220 | Rp 1.459.878 | Rp 5.814.342 | Rp 632.832.018 | fixed |
| 6 | Rp 7.274.220 | Rp 1.473.260 | Rp 5.800.960 | Rp 631.358.757 | fixed |
| 7 | Rp 7.274.220 | Rp 1.486.765 | Rp 5.787.455 | Rp 629.871.992 | fixed |
| 8 | Rp 7.274.220 | Rp 1.500.394 | Rp 5.773.827 | Rp 628.371.598 | fixed |
| 9 | Rp 7.274.220 | Rp 1.514.147 | Rp 5.760.073 | Rp 626.857.451 | fixed |
| 10 | Rp 7.274.220 | Rp 1.528.027 | Rp 5.746.193 | Rp 625.329.424 | fixed |
| 11 | Rp 7.274.220 | Rp 1.542.034 | Rp 5.732.186 | Rp 623.787.390 | fixed |
| 12 | Rp 7.274.220 | Rp 1.556.169 | Rp 5.718.051 | Rp 622.231.221 | fixed |
| 13 | Rp 7.274.220 | Rp 1.570.434 | Rp 5.703.786 | Rp 620.660.786 | fixed |
| 14 | Rp 7.274.220 | Rp 1.584.830 | Rp 5.689.391 | Rp 619.075.957 | fixed |
| 15 | Rp 7.274.220 | Rp 1.599.357 | Rp 5.674.863 | Rp 617.476.599 | fixed |
| 16 | Rp 7.274.220 | Rp 1.614.018 | Rp 5.660.202 | Rp 615.862.581 | fixed |
| 17 | Rp 7.274.220 | Rp 1.628.813 | Rp 5.645.407 | Rp 614.233.768 | fixed |
| 18 | Rp 7.274.220 | Rp 1.643.744 | Rp 5.630.476 | Rp 612.590.023 | fixed |
| 19 | Rp 7.274.220 | Rp 1.658.812 | Rp 5.615.409 | Rp 610.931.212 | fixed |
| 20 | Rp 7.274.220 | Rp 1.674.018 | Rp 5.600.203 | Rp 609.257.194 | fixed |
| 21 | Rp 7.274.220 | Rp 1.689.363 | Rp 5.584.858 | Rp 607.567.831 | fixed |
| 22 | Rp 7.274.220 | Rp 1.704.849 | Rp 5.569.372 | Rp 605.862.983 | fixed |
| 23 | Rp 7.274.220 | Rp 1.720.476 | Rp 5.553.744 | Rp 604.142.506 | fixed |
| 24 | Rp 7.274.220 | Rp 1.736.247 | Rp 5.537.973 | Rp 602.406.259 | fixed |
| 25 | Rp 7.274.220 | Rp 1.752.163 | Rp 5.522.057 | Rp 600.654.096 | fixed |
| 26 | Rp 7.274.220 | Rp 1.768.225 | Rp 5.505.996 | Rp 598.885.871 | fixed |
| 27 | Rp 7.274.220 | Rp 1.784.433 | Rp 5.489.787 | Rp 597.101.438 | fixed |
| 28 | Rp 7.274.220 | Rp 1.800.791 | Rp 5.473.430 | Rp 595.300.647 | fixed |
| 29 | Rp 7.274.220 | Rp 1.817.298 | Rp 5.456.923 | Rp 593.483.350 | fixed |
| 30 | Rp 7.274.220 | Rp 1.833.956 | Rp 5.440.264 | Rp 591.649.393 | fixed |
| 31 | Rp 7.274.220 | Rp 1.850.768 | Rp 5.423.453 | Rp 589.798.626 | fixed |
| 32 | Rp 7.274.220 | Rp 1.867.733 | Rp 5.406.487 | Rp 587.930.893 | fixed |
| 33 | Rp 7.274.220 | Rp 1.884.854 | Rp 5.389.367 | Rp 586.046.039 | fixed |
| 34 | Rp 7.274.220 | Rp 1.902.132 | Rp 5.372.089 | Rp 584.143.907 | fixed |
| 35 | Rp 7.274.220 | Rp 1.919.568 | Rp 5.354.652 | Rp 582.224.339 | fixed |
| 36 | Rp 7.274.220 | Rp 1.937.164 | Rp 5.337.056 | Rp 580.287.175 | fixed |
| 37 | Rp 7.274.220 | Rp 1.954.921 | Rp 5.319.299 | Rp 578.332.254 | fixed |
| 38 | Rp 7.274.220 | Rp 1.972.841 | Rp 5.301.379 | Rp 576.359.413 | fixed |
| 39 | Rp 7.274.220 | Rp 1.990.926 | Rp 5.283.295 | Rp 574.368.487 | fixed |
| 40 | Rp 7.274.220 | Rp 2.009.176 | Rp 5.265.044 | Rp 572.359.311 | fixed |
| 41 | Rp 7.274.220 | Rp 2.027.593 | Rp 5.246.627 | Rp 570.331.718 | fixed |
| 42 | Rp 7.274.220 | Rp 2.046.180 | Rp 5.228.041 | Rp 568.285.538 | fixed |
| 43 | Rp 7.274.220 | Rp 2.064.936 | Rp 5.209.284 | Rp 566.220.602 | fixed |
| 44 | Rp 7.274.220 | Rp 2.083.865 | Rp 5.190.356 | Rp 564.136.737 | fixed |
| 45 | Rp 7.274.220 | Rp 2.102.967 | Rp 5.171.253 | Rp 562.033.770 | fixed |
| 46 | Rp 7.274.220 | Rp 2.122.244 | Rp 5.151.976 | Rp 559.911.526 | fixed |
| 47 | Rp 7.274.220 | Rp 2.141.698 | Rp 5.132.522 | Rp 557.769.828 | fixed |
| 48 | Rp 7.274.220 | Rp 2.161.330 | Rp 5.112.890 | Rp 555.608.497 | fixed |
| 49 | Rp 7.274.220 | Rp 2.181.142 | Rp 5.093.078 | Rp 553.427.355 | fixed |
| 50 | Rp 7.274.220 | Rp 2.201.136 | Rp 5.073.084 | Rp 551.226.219 | fixed |
| 51 | Rp 7.274.220 | Rp 2.221.313 | Rp 5.052.907 | Rp 549.004.905 | fixed |
| 52 | Rp 7.274.220 | Rp 2.241.675 | Rp 5.032.545 | Rp 546.763.230 | fixed |
| 53 | Rp 7.274.220 | Rp 2.262.224 | Rp 5.011.996 | Rp 544.501.006 | fixed |
| 54 | Rp 7.274.220 | Rp 2.282.961 | Rp 4.991.259 | Rp 542.218.045 | fixed |
| 55 | Rp 7.274.220 | Rp 2.303.888 | Rp 4.970.332 | Rp 539.914.156 | fixed |
| 56 | Rp 7.274.220 | Rp 2.325.007 | Rp 4.949.213 | Rp 537.589.149 | fixed |
| 57 | Rp 7.274.220 | Rp 2.346.320 | Rp 4.927.901 | Rp 535.242.829 | fixed |
| 58 | Rp 7.274.220 | Rp 2.367.828 | Rp 4.906.393 | Rp 532.875.001 | fixed |
| 59 | Rp 7.274.220 | Rp 2.389.533 | Rp 4.884.688 | Rp 530.485.468 | fixed |
| 60 | Rp 7.274.220 | Rp 2.411.437 | Rp 4.862.783 | Rp 528.074.032 | fixed |
| 61 | Rp 7.274.220 | Rp 2.433.542 | Rp 4.840.679 | Rp 525.640.490 | fixed |
| 62 | Rp 7.274.220 | Rp 2.455.849 | Rp 4.818.371 | Rp 523.184.641 | fixed |
| 63 | Rp 7.274.220 | Rp 2.478.361 | Rp 4.795.859 | Rp 520.706.279 | fixed |
| 64 | Rp 7.274.220 | Rp 2.501.079 | Rp 4.773.141 | Rp 518.205.200 | fixed |
| 65 | Rp 7.274.220 | Rp 2.524.006 | Rp 4.750.214 | Rp 515.681.194 | fixed |
| 66 | Rp 7.274.220 | Rp 2.547.143 | Rp 4.727.078 | Rp 513.134.051 | fixed |
| 67 | Rp 7.274.220 | Rp 2.570.492 | Rp 4.703.729 | Rp 510.563.560 | fixed |
| 68 | Rp 7.274.220 | Rp 2.594.054 | Rp 4.680.166 | Rp 507.969.505 | fixed |
| 69 | Rp 7.274.220 | Rp 2.617.833 | Rp 4.656.387 | Rp 505.351.672 | fixed |
| 70 | Rp 7.274.220 | Rp 2.641.830 | Rp 4.632.390 | Rp 502.709.842 | fixed |
| 71 | Rp 7.274.220 | Rp 2.666.047 | Rp 4.608.174 | Rp 500.043.795 | fixed |
| 72 | Rp 7.274.220 | Rp 2.690.486 | Rp 4.583.735 | Rp 497.353.309 | fixed |
| 73 | Rp 7.274.220 | Rp 2.715.148 | Rp 4.559.072 | Rp 494.638.161 | fixed |
| 74 | Rp 7.274.220 | Rp 2.740.037 | Rp 4.534.183 | Rp 491.898.124 | fixed |
| 75 | Rp 7.274.220 | Rp 2.765.154 | Rp 4.509.066 | Rp 489.132.970 | fixed |
| 76 | Rp 7.274.220 | Rp 2.790.501 | Rp 4.483.719 | Rp 486.342.468 | fixed |
| 77 | Rp 7.274.220 | Rp 2.816.081 | Rp 4.458.139 | Rp 483.526.387 | fixed |
| 78 | Rp 7.274.220 | Rp 2.841.895 | Rp 4.432.325 | Rp 480.684.492 | fixed |
| 79 | Rp 7.274.220 | Rp 2.867.946 | Rp 4.406.275 | Rp 477.816.546 | fixed |
| 80 | Rp 7.274.220 | Rp 2.894.235 | Rp 4.379.985 | Rp 474.922.311 | fixed |
| 81 | Rp 7.274.220 | Rp 2.920.766 | Rp 4.353.455 | Rp 472.001.545 | fixed |
| 82 | Rp 7.274.220 | Rp 2.947.540 | Rp 4.326.681 | Rp 469.054.005 | fixed |
| 83 | Rp 7.274.220 | Rp 2.974.559 | Rp 4.299.662 | Rp 466.079.446 | fixed |
| 84 | Rp 7.274.220 | Rp 3.001.825 | Rp 4.272.395 | Rp 463.077.621 | fixed |
| 85 | Rp 7.274.220 | Rp 3.029.342 | Rp 4.244.878 | Rp 460.048.279 | fixed |
| 86 | Rp 7.274.220 | Rp 3.057.111 | Rp 4.217.109 | Rp 456.991.168 | fixed |
| 87 | Rp 7.274.220 | Rp 3.085.135 | Rp 4.189.086 | Rp 453.906.033 | fixed |
| 88 | Rp 7.274.220 | Rp 3.113.415 | Rp 4.160.805 | Rp 450.792.618 | fixed |
| 89 | Rp 7.274.220 | Rp 3.141.955 | Rp 4.132.266 | Rp 447.650.663 | fixed |
| 90 | Rp 7.274.220 | Rp 3.170.756 | Rp 4.103.464 | Rp 444.479.907 | fixed |
| 91 | Rp 7.274.220 | Rp 3.199.821 | Rp 4.074.399 | Rp 441.280.086 | fixed |
| 92 | Rp 7.274.220 | Rp 3.229.153 | Rp 4.045.067 | Rp 438.050.933 | fixed |
| 93 | Rp 7.274.220 | Rp 3.258.753 | Rp 4.015.467 | Rp 434.792.180 | fixed |
| 94 | Rp 7.274.220 | Rp 3.288.625 | Rp 3.985.595 | Rp 431.503.554 | fixed |
| 95 | Rp 7.274.220 | Rp 3.318.771 | Rp 3.955.449 | Rp 428.184.783 | fixed |
| 96 | Rp 7.274.220 | Rp 3.349.193 | Rp 3.925.027 | Rp 424.835.590 | fixed |
| 97 | Rp 7.274.220 | Rp 3.379.894 | Rp 3.894.326 | Rp 421.455.696 | fixed |
| 98 | Rp 7.274.220 | Rp 3.410.877 | Rp 3.863.344 | Rp 418.044.819 | fixed |
| 99 | Rp 7.274.220 | Rp 3.442.143 | Rp 3.832.078 | Rp 414.602.676 | fixed |
| 100 | Rp 7.274.220 | Rp 3.473.696 | Rp 3.800.525 | Rp 411.128.980 | fixed |
| 101 | Rp 7.274.220 | Rp 3.505.538 | Rp 3.768.682 | Rp 407.623.442 | fixed |
| 102 | Rp 7.274.220 | Rp 3.537.672 | Rp 3.736.548 | Rp 404.085.770 | fixed |
| 103 | Rp 7.274.220 | Rp 3.570.101 | Rp 3.704.120 | Rp 400.515.669 | fixed |
| 104 | Rp 7.274.220 | Rp 3.602.827 | Rp 3.671.394 | Rp 396.912.843 | fixed |
| 105 | Rp 7.274.220 | Rp 3.635.853 | Rp 3.638.368 | Rp 393.276.990 | fixed |
| 106 | Rp 7.274.220 | Rp 3.669.181 | Rp 3.605.039 | Rp 389.607.809 | fixed |
| 107 | Rp 7.274.220 | Rp 3.702.815 | Rp 3.571.405 | Rp 385.904.993 | fixed |
| 108 | Rp 7.274.220 | Rp 3.736.758 | Rp 3.537.462 | Rp 382.168.235 | fixed |
| 109 | Rp 7.274.220 | Rp 3.771.012 | Rp 3.503.209 | Rp 378.397.224 | fixed |
| 110 | Rp 7.274.220 | Rp 3.805.579 | Rp 3.468.641 | Rp 374.591.645 | fixed |
| 111 | Rp 7.274.220 | Rp 3.840.464 | Rp 3.433.757 | Rp 370.751.181 | fixed |
| 112 | Rp 7.274.220 | Rp 3.875.668 | Rp 3.398.552 | Rp 366.875.513 | fixed |
| 113 | Rp 7.274.220 | Rp 3.911.195 | Rp 3.363.026 | Rp 362.964.318 | fixed |
| 114 | Rp 7.274.220 | Rp 3.947.047 | Rp 3.327.173 | Rp 359.017.271 | fixed |
| 115 | Rp 7.274.220 | Rp 3.983.229 | Rp 3.290.992 | Rp 355.034.042 | fixed |
| 116 | Rp 7.274.220 | Rp 4.019.742 | Rp 3.254.479 | Rp 351.014.300 | fixed |
| 117 | Rp 7.274.220 | Rp 4.056.589 | Rp 3.217.631 | Rp 346.957.711 | fixed |
| 118 | Rp 7.274.220 | Rp 4.093.775 | Rp 3.180.446 | Rp 342.863.936 | fixed |
| 119 | Rp 7.274.220 | Rp 4.131.301 | Rp 3.142.919 | Rp 338.732.635 | fixed |
| 120 | Rp 7.274.220 | Rp 4.169.171 | Rp 3.105.049 | Rp 334.563.464 | fixed |
| 121 | Rp 7.274.220 | Rp 4.207.389 | Rp 3.066.832 | Rp 330.356.075 | floating |
| 122 | Rp 7.274.220 | Rp 4.245.956 | Rp 3.028.264 | Rp 326.110.119 | floating |
| 123 | Rp 7.274.220 | Rp 4.284.878 | Rp 2.989.343 | Rp 321.825.241 | floating |
| 124 | Rp 7.274.220 | Rp 4.324.156 | Rp 2.950.065 | Rp 317.501.086 | floating |
| 125 | Rp 7.274.220 | Rp 4.363.794 | Rp 2.910.427 | Rp 313.137.292 | floating |
| 126 | Rp 7.274.220 | Rp 4.403.795 | Rp 2.870.425 | Rp 308.733.497 | floating |
| 127 | Rp 7.274.220 | Rp 4.444.163 | Rp 2.830.057 | Rp 304.289.334 | floating |
| 128 | Rp 7.274.220 | Rp 4.484.901 | Rp 2.789.319 | Rp 299.804.432 | floating |
| 129 | Rp 7.274.220 | Rp 4.526.013 | Rp 2.748.207 | Rp 295.278.419 | floating |
| 130 | Rp 7.274.220 | Rp 4.567.502 | Rp 2.706.719 | Rp 290.710.917 | floating |
| 131 | Rp 7.274.220 | Rp 4.609.370 | Rp 2.664.850 | Rp 286.101.547 | floating |
| 132 | Rp 7.274.220 | Rp 4.651.623 | Rp 2.622.598 | Rp 281.449.924 | floating |
| 133 | Rp 7.274.220 | Rp 4.694.263 | Rp 2.579.958 | Rp 276.755.662 | floating |
| 134 | Rp 7.274.220 | Rp 4.737.293 | Rp 2.536.927 | Rp 272.018.368 | floating |
| 135 | Rp 7.274.220 | Rp 4.780.719 | Rp 2.493.502 | Rp 267.237.649 | floating |
| 136 | Rp 7.274.220 | Rp 4.824.542 | Rp 2.449.678 | Rp 262.413.107 | floating |
| 137 | Rp 7.274.220 | Rp 4.868.767 | Rp 2.405.453 | Rp 257.544.341 | floating |
| 138 | Rp 7.274.220 | Rp 4.913.397 | Rp 2.360.823 | Rp 252.630.943 | floating |
| 139 | Rp 7.274.220 | Rp 4.958.437 | Rp 2.315.784 | Rp 247.672.507 | floating |
| 140 | Rp 7.274.220 | Rp 5.003.889 | Rp 2.270.331 | Rp 242.668.617 | floating |
| 141 | Rp 7.274.220 | Rp 5.049.758 | Rp 2.224.462 | Rp 237.618.859 | floating |
| 142 | Rp 7.274.220 | Rp 5.096.048 | Rp 2.178.173 | Rp 232.522.812 | floating |
| 143 | Rp 7.274.220 | Rp 5.142.761 | Rp 2.131.459 | Rp 227.380.051 | floating |
| 144 | Rp 7.274.220 | Rp 5.189.903 | Rp 2.084.317 | Rp 222.190.147 | floating |
| 145 | Rp 7.274.220 | Rp 5.237.477 | Rp 2.036.743 | Rp 216.952.670 | floating |
| 146 | Rp 7.274.220 | Rp 5.285.488 | Rp 1.988.733 | Rp 211.667.182 | floating |
| 147 | Rp 7.274.220 | Rp 5.333.938 | Rp 1.940.283 | Rp 206.333.245 | floating |
| 148 | Rp 7.274.220 | Rp 5.382.832 | Rp 1.891.388 | Rp 200.950.412 | floating |
| 149 | Rp 7.274.220 | Rp 5.432.175 | Rp 1.842.045 | Rp 195.518.237 | floating |
| 150 | Rp 7.274.220 | Rp 5.481.970 | Rp 1.792.251 | Rp 190.036.267 | floating |
| 151 | Rp 7.274.220 | Rp 5.532.221 | Rp 1.741.999 | Rp 184.504.046 | floating |
| 152 | Rp 7.274.220 | Rp 5.582.933 | Rp 1.691.287 | Rp 178.921.113 | floating |
| 153 | Rp 7.274.220 | Rp 5.634.110 | Rp 1.640.110 | Rp 173.287.003 | floating |
| 154 | Rp 7.274.220 | Rp 5.685.756 | Rp 1.588.464 | Rp 167.601.247 | floating |
| 155 | Rp 7.274.220 | Rp 5.737.876 | Rp 1.536.345 | Rp 161.863.371 | floating |
| 156 | Rp 7.274.220 | Rp 5.790.473 | Rp 1.483.748 | Rp 156.072.898 | floating |
| 157 | Rp 7.274.220 | Rp 5.843.552 | Rp 1.430.668 | Rp 150.229.346 | floating |
| 158 | Rp 7.274.220 | Rp 5.897.118 | Rp 1.377.102 | Rp 144.332.228 | floating |
| 159 | Rp 7.274.220 | Rp 5.951.175 | Rp 1.323.045 | Rp 138.381.053 | floating |
| 160 | Rp 7.274.220 | Rp 6.005.727 | Rp 1.268.493 | Rp 132.375.326 | floating |
| 161 | Rp 7.274.220 | Rp 6.060.780 | Rp 1.213.440 | Rp 126.314.546 | floating |
| 162 | Rp 7.274.220 | Rp 6.116.337 | Rp 1.157.883 | Rp 120.198.209 | floating |
| 163 | Rp 7.274.220 | Rp 6.172.403 | Rp 1.101.817 | Rp 114.025.805 | floating |
| 164 | Rp 7.274.220 | Rp 6.228.984 | Rp 1.045.237 | Rp 107.796.821 | floating |
| 165 | Rp 7.274.220 | Rp 6.286.083 | Rp 988.138 | Rp 101.510.738 | floating |
| 166 | Rp 7.274.220 | Rp 6.343.705 | Rp 930.515 | Rp 95.167.033 | floating |
| 167 | Rp 7.274.220 | Rp 6.401.856 | Rp 872.364 | Rp 88.765.177 | floating |
| 168 | Rp 7.274.220 | Rp 6.460.540 | Rp 813.681 | Rp 82.304.638 | floating |
| 169 | Rp 7.274.220 | Rp 6.519.761 | Rp 754.459 | Rp 75.784.876 | floating |
| 170 | Rp 7.274.220 | Rp 6.579.526 | Rp 694.695 | Rp 69.205.351 | floating |
| 171 | Rp 7.274.220 | Rp 6.639.838 | Rp 634.382 | Rp 62.565.513 | floating |
| 172 | Rp 7.274.220 | Rp 6.700.703 | Rp 573.517 | Rp 55.864.810 | floating |
| 173 | Rp 7.274.220 | Rp 6.762.126 | Rp 512.094 | Rp 49.102.683 | floating |
| 174 | Rp 7.274.220 | Rp 6.824.112 | Rp 450.108 | Rp 42.278.571 | floating |
| 175 | Rp 7.274.220 | Rp 6.886.667 | Rp 387.554 | Rp 35.391.904 | floating |
| 176 | Rp 7.274.220 | Rp 6.949.795 | Rp 324.426 | Rp 28.442.109 | floating |
| 177 | Rp 7.274.220 | Rp 7.013.501 | Rp 260.719 | Rp 21.428.608 | floating |
| 178 | Rp 7.274.220 | Rp 7.077.791 | Rp 196.429 | Rp 14.350.817 | floating |
| 179 | Rp 7.274.220 | Rp 7.142.671 | Rp 131.549 | Rp 7.208.146 | floating |
| 180 | Rp 7.274.220 | Rp 7.208.146 | Rp 66.075 | 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 Lestari Rp 500 juta 5 tahun
| Pokok pinjaman | Rp 500.000.000 |
| Bunga fixed | 11% selama 10 tahun |
| Bunga floating estimasi | 11% |
| Tenor total | 5 tahun (60 bulan) |
| Cicilan tahun fixed | Rp 10.871.212/bulan |
| Cicilan estimasi tahun floating | Rp 10.871.212/bulan |
| Total bunga sepanjang tenor | Rp 152.272.692 |
| Total dibayar | Rp 652.272.692 |
Pertimbangan untuk pinjaman Rp 500 juta
Pinjaman Rp 500 juta dengan tenor 5 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 32.613.635/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 15.227.269 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 Lestari
BPR terbesar di Bali. Fokus segmen UMKM & kredit rumah segmen menengah. Sumber rate card: https://www.bprlestari.com/personal/kpr.
Pertanyaan yang sering diajukan
Berapa cicilan KPR BPR Lestari Rp 500 juta 5 tahun?
Untuk pinjaman Rp 500 juta dengan tenor 5 tahun, cicilan tahun fixed (10 tahun pertama, bunga 11%) sekitar Rp 10.871.212. Setelah masa fixed, cicilan estimasi Rp 10.871.212 dengan bunga floating ~11%.
Berapa total bunga yang dibayar untuk KPR Rp 500 juta 5 tahun di BPR Lestari?
Total bunga estimasi sekitar Rp 152.272.692 sepanjang tenor 5 tahun. Total dibayar (pokok + bunga) sekitar Rp 652.272.692. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR BPR Lestari?
BPR Lestari 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 Lestari Bali 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 Lestari untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 500 juta 5 tahun)
- Simulasi KPR BCA Rp 500 juta 5 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 500 juta 5 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 500 juta 5 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 500 juta 5 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 500 juta 5 tahun (fixed 5%)
Skenario lain BPR Lestari
- KPR BPR Lestari Rp 200 juta tenor 5 tahun
- KPR BPR Lestari Rp 300 juta tenor 5 tahun
- KPR BPR Lestari Rp 750 juta tenor 5 tahun
- KPR BPR Lestari Rp 1 miliar tenor 5 tahun
- KPR BPR Lestari Rp 500 juta tenor 10 tahun
- KPR BPR Lestari Rp 500 juta tenor 15 tahun
- KPR BPR Lestari Rp 500 juta tenor 20 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi BPR Lestari. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.