Simulasi KPR BPR Modern Express Rp 1 miliar Tenor 20 tahun
Hitung cicilan KPR BPR Modern Express untuk pinjaman Rp 1 miliar dengan tenor 20 tahun. Pakai parameter rate card publik PT BPR Modern Express.
Data per 02-05-2026 · Sumber: Rate card publik BPR Modern Express
Cicilan tahun fixed (5 tahun pertama)
Rp 11.010.861/bulan
Lalu cicilan estimasi tahun floating: Rp 11.010.861/bulan
Sesuaikan parameter
Simulasi memakai parameter BPR Modern Express Kredit Pemilikan Rumah. Silakan ubah angka di bawah untuk skenario Anda.
Pokok pinjaman
Rp 560.000.000
Uang muka (DP)
Rp 240.000.000 (30%)
Cicilan bulanan (tetap selama tenor)
Rp 6.720.941
Total bunga / margin dibayar
Rp 649.769.407
Total dibayar (pokok + bunga)
Rp 1.209.769.407
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 6.720.941 | Rp 1.120.941 | Rp 5.600.000 | Rp 558.879.059 | fixed |
| 2 | Rp 6.720.941 | Rp 1.132.151 | Rp 5.588.791 | Rp 557.746.908 | fixed |
| 3 | Rp 6.720.941 | Rp 1.143.472 | Rp 5.577.469 | Rp 556.603.436 | fixed |
| 4 | Rp 6.720.941 | Rp 1.154.907 | Rp 5.566.034 | Rp 555.448.529 | fixed |
| 5 | Rp 6.720.941 | Rp 1.166.456 | Rp 5.554.485 | Rp 554.282.074 | fixed |
| 6 | Rp 6.720.941 | Rp 1.178.120 | Rp 5.542.821 | Rp 553.103.953 | fixed |
| 7 | Rp 6.720.941 | Rp 1.189.902 | Rp 5.531.040 | Rp 551.914.052 | fixed |
| 8 | Rp 6.720.941 | Rp 1.201.801 | Rp 5.519.141 | Rp 550.712.251 | fixed |
| 9 | Rp 6.720.941 | Rp 1.213.819 | Rp 5.507.123 | Rp 549.498.432 | fixed |
| 10 | Rp 6.720.941 | Rp 1.225.957 | Rp 5.494.984 | Rp 548.272.475 | fixed |
| 11 | Rp 6.720.941 | Rp 1.238.216 | Rp 5.482.725 | Rp 547.034.259 | fixed |
| 12 | Rp 6.720.941 | Rp 1.250.599 | Rp 5.470.343 | Rp 545.783.661 | fixed |
| 13 | Rp 6.720.941 | Rp 1.263.105 | Rp 5.457.837 | Rp 544.520.556 | fixed |
| 14 | Rp 6.720.941 | Rp 1.275.736 | Rp 5.445.206 | Rp 543.244.820 | fixed |
| 15 | Rp 6.720.941 | Rp 1.288.493 | Rp 5.432.448 | Rp 541.956.327 | fixed |
| 16 | Rp 6.720.941 | Rp 1.301.378 | Rp 5.419.563 | Rp 540.654.950 | fixed |
| 17 | Rp 6.720.941 | Rp 1.314.392 | Rp 5.406.549 | Rp 539.340.558 | fixed |
| 18 | Rp 6.720.941 | Rp 1.327.536 | Rp 5.393.406 | Rp 538.013.022 | fixed |
| 19 | Rp 6.720.941 | Rp 1.340.811 | Rp 5.380.130 | Rp 536.672.211 | fixed |
| 20 | Rp 6.720.941 | Rp 1.354.219 | Rp 5.366.722 | Rp 535.317.992 | fixed |
| 21 | Rp 6.720.941 | Rp 1.367.761 | Rp 5.353.180 | Rp 533.950.231 | fixed |
| 22 | Rp 6.720.941 | Rp 1.381.439 | Rp 5.339.502 | Rp 532.568.792 | fixed |
| 23 | Rp 6.720.941 | Rp 1.395.253 | Rp 5.325.688 | Rp 531.173.539 | fixed |
| 24 | Rp 6.720.941 | Rp 1.409.206 | Rp 5.311.735 | Rp 529.764.333 | fixed |
| 25 | Rp 6.720.941 | Rp 1.423.298 | Rp 5.297.643 | Rp 528.341.036 | fixed |
| 26 | Rp 6.720.941 | Rp 1.437.531 | Rp 5.283.410 | Rp 526.903.505 | fixed |
| 27 | Rp 6.720.941 | Rp 1.451.906 | Rp 5.269.035 | Rp 525.451.599 | fixed |
| 28 | Rp 6.720.941 | Rp 1.466.425 | Rp 5.254.516 | Rp 523.985.173 | fixed |
| 29 | Rp 6.720.941 | Rp 1.481.089 | Rp 5.239.852 | Rp 522.504.084 | fixed |
| 30 | Rp 6.720.941 | Rp 1.495.900 | Rp 5.225.041 | Rp 521.008.184 | fixed |
| 31 | Rp 6.720.941 | Rp 1.510.859 | Rp 5.210.082 | Rp 519.497.324 | fixed |
| 32 | Rp 6.720.941 | Rp 1.525.968 | Rp 5.194.973 | Rp 517.971.357 | fixed |
| 33 | Rp 6.720.941 | Rp 1.541.228 | Rp 5.179.714 | Rp 516.430.129 | fixed |
| 34 | Rp 6.720.941 | Rp 1.556.640 | Rp 5.164.301 | Rp 514.873.489 | fixed |
| 35 | Rp 6.720.941 | Rp 1.572.206 | Rp 5.148.735 | Rp 513.301.283 | fixed |
| 36 | Rp 6.720.941 | Rp 1.587.928 | Rp 5.133.013 | Rp 511.713.355 | fixed |
| 37 | Rp 6.720.941 | Rp 1.603.808 | Rp 5.117.134 | Rp 510.109.547 | fixed |
| 38 | Rp 6.720.941 | Rp 1.619.846 | Rp 5.101.095 | Rp 508.489.701 | fixed |
| 39 | Rp 6.720.941 | Rp 1.636.044 | Rp 5.084.897 | Rp 506.853.657 | fixed |
| 40 | Rp 6.720.941 | Rp 1.652.405 | Rp 5.068.537 | Rp 505.201.253 | fixed |
| 41 | Rp 6.720.941 | Rp 1.668.929 | Rp 5.052.013 | Rp 503.532.324 | fixed |
| 42 | Rp 6.720.941 | Rp 1.685.618 | Rp 5.035.323 | Rp 501.846.706 | fixed |
| 43 | Rp 6.720.941 | Rp 1.702.474 | Rp 5.018.467 | Rp 500.144.232 | fixed |
| 44 | Rp 6.720.941 | Rp 1.719.499 | Rp 5.001.442 | Rp 498.424.733 | fixed |
| 45 | Rp 6.720.941 | Rp 1.736.694 | Rp 4.984.247 | Rp 496.688.039 | fixed |
| 46 | Rp 6.720.941 | Rp 1.754.061 | Rp 4.966.880 | Rp 494.933.979 | fixed |
| 47 | Rp 6.720.941 | Rp 1.771.601 | Rp 4.949.340 | Rp 493.162.377 | fixed |
| 48 | Rp 6.720.941 | Rp 1.789.317 | Rp 4.931.624 | Rp 491.373.060 | fixed |
| 49 | Rp 6.720.941 | Rp 1.807.211 | Rp 4.913.731 | Rp 489.565.849 | fixed |
| 50 | Rp 6.720.941 | Rp 1.825.283 | Rp 4.895.658 | Rp 487.740.567 | fixed |
| 51 | Rp 6.720.941 | Rp 1.843.535 | Rp 4.877.406 | Rp 485.897.031 | fixed |
| 52 | Rp 6.720.941 | Rp 1.861.971 | Rp 4.858.970 | Rp 484.035.060 | fixed |
| 53 | Rp 6.720.941 | Rp 1.880.591 | Rp 4.840.351 | Rp 482.154.470 | fixed |
| 54 | Rp 6.720.941 | Rp 1.899.396 | Rp 4.821.545 | Rp 480.255.073 | fixed |
| 55 | Rp 6.720.941 | Rp 1.918.390 | Rp 4.802.551 | Rp 478.336.683 | fixed |
| 56 | Rp 6.720.941 | Rp 1.937.574 | Rp 4.783.367 | Rp 476.399.109 | fixed |
| 57 | Rp 6.720.941 | Rp 1.956.950 | Rp 4.763.991 | Rp 474.442.158 | fixed |
| 58 | Rp 6.720.941 | Rp 1.976.520 | Rp 4.744.422 | Rp 472.465.639 | fixed |
| 59 | Rp 6.720.941 | Rp 1.996.285 | Rp 4.724.656 | Rp 470.469.354 | fixed |
| 60 | Rp 6.720.941 | Rp 2.016.248 | Rp 4.704.694 | Rp 468.453.107 | fixed |
| 61 | Rp 6.720.941 | Rp 2.036.410 | Rp 4.684.531 | Rp 466.416.696 | floating |
| 62 | Rp 6.720.941 | Rp 2.056.774 | Rp 4.664.167 | Rp 464.359.922 | floating |
| 63 | Rp 6.720.941 | Rp 2.077.342 | Rp 4.643.599 | Rp 462.282.580 | floating |
| 64 | Rp 6.720.941 | Rp 2.098.115 | Rp 4.622.826 | Rp 460.184.465 | floating |
| 65 | Rp 6.720.941 | Rp 2.119.096 | Rp 4.601.845 | Rp 458.065.369 | floating |
| 66 | Rp 6.720.941 | Rp 2.140.287 | Rp 4.580.654 | Rp 455.925.081 | floating |
| 67 | Rp 6.720.941 | Rp 2.161.690 | Rp 4.559.251 | Rp 453.763.391 | floating |
| 68 | Rp 6.720.941 | Rp 2.183.307 | Rp 4.537.634 | Rp 451.580.083 | floating |
| 69 | Rp 6.720.941 | Rp 2.205.140 | Rp 4.515.801 | Rp 449.374.943 | floating |
| 70 | Rp 6.720.941 | Rp 2.227.192 | Rp 4.493.749 | Rp 447.147.751 | floating |
| 71 | Rp 6.720.941 | Rp 2.249.464 | Rp 4.471.478 | Rp 444.898.288 | floating |
| 72 | Rp 6.720.941 | Rp 2.271.958 | Rp 4.448.983 | Rp 442.626.330 | floating |
| 73 | Rp 6.720.941 | Rp 2.294.678 | Rp 4.426.263 | Rp 440.331.652 | floating |
| 74 | Rp 6.720.941 | Rp 2.317.625 | Rp 4.403.317 | Rp 438.014.027 | floating |
| 75 | Rp 6.720.941 | Rp 2.340.801 | Rp 4.380.140 | Rp 435.673.226 | floating |
| 76 | Rp 6.720.941 | Rp 2.364.209 | Rp 4.356.732 | Rp 433.309.017 | floating |
| 77 | Rp 6.720.941 | Rp 2.387.851 | Rp 4.333.090 | Rp 430.921.166 | floating |
| 78 | Rp 6.720.941 | Rp 2.411.729 | Rp 4.309.212 | Rp 428.509.437 | floating |
| 79 | Rp 6.720.941 | Rp 2.435.847 | Rp 4.285.094 | Rp 426.073.590 | floating |
| 80 | Rp 6.720.941 | Rp 2.460.205 | Rp 4.260.736 | Rp 423.613.385 | floating |
| 81 | Rp 6.720.941 | Rp 2.484.807 | Rp 4.236.134 | Rp 421.128.578 | floating |
| 82 | Rp 6.720.941 | Rp 2.509.655 | Rp 4.211.286 | Rp 418.618.922 | floating |
| 83 | Rp 6.720.941 | Rp 2.534.752 | Rp 4.186.189 | Rp 416.084.170 | floating |
| 84 | Rp 6.720.941 | Rp 2.560.099 | Rp 4.160.842 | Rp 413.524.071 | floating |
| 85 | Rp 6.720.941 | Rp 2.585.700 | Rp 4.135.241 | Rp 410.938.370 | floating |
| 86 | Rp 6.720.941 | Rp 2.611.557 | Rp 4.109.384 | Rp 408.326.813 | floating |
| 87 | Rp 6.720.941 | Rp 2.637.673 | Rp 4.083.268 | Rp 405.689.140 | floating |
| 88 | Rp 6.720.941 | Rp 2.664.050 | Rp 4.056.891 | Rp 403.025.090 | floating |
| 89 | Rp 6.720.941 | Rp 2.690.690 | Rp 4.030.251 | Rp 400.334.400 | floating |
| 90 | Rp 6.720.941 | Rp 2.717.597 | Rp 4.003.344 | Rp 397.616.803 | floating |
| 91 | Rp 6.720.941 | Rp 2.744.773 | Rp 3.976.168 | Rp 394.872.030 | floating |
| 92 | Rp 6.720.941 | Rp 2.772.221 | Rp 3.948.720 | Rp 392.099.809 | floating |
| 93 | Rp 6.720.941 | Rp 2.799.943 | Rp 3.920.998 | Rp 389.299.866 | floating |
| 94 | Rp 6.720.941 | Rp 2.827.942 | Rp 3.892.999 | Rp 386.471.923 | floating |
| 95 | Rp 6.720.941 | Rp 2.856.222 | Rp 3.864.719 | Rp 383.615.701 | floating |
| 96 | Rp 6.720.941 | Rp 2.884.784 | Rp 3.836.157 | Rp 380.730.917 | floating |
| 97 | Rp 6.720.941 | Rp 2.913.632 | Rp 3.807.309 | Rp 377.817.285 | floating |
| 98 | Rp 6.720.941 | Rp 2.942.768 | Rp 3.778.173 | Rp 374.874.517 | floating |
| 99 | Rp 6.720.941 | Rp 2.972.196 | Rp 3.748.745 | Rp 371.902.321 | floating |
| 100 | Rp 6.720.941 | Rp 3.001.918 | Rp 3.719.023 | Rp 368.900.403 | floating |
| 101 | Rp 6.720.941 | Rp 3.031.937 | Rp 3.689.004 | Rp 365.868.466 | floating |
| 102 | Rp 6.720.941 | Rp 3.062.256 | Rp 3.658.685 | Rp 362.806.209 | floating |
| 103 | Rp 6.720.941 | Rp 3.092.879 | Rp 3.628.062 | Rp 359.713.330 | floating |
| 104 | Rp 6.720.941 | Rp 3.123.808 | Rp 3.597.133 | Rp 356.589.522 | floating |
| 105 | Rp 6.720.941 | Rp 3.155.046 | Rp 3.565.895 | Rp 353.434.477 | floating |
| 106 | Rp 6.720.941 | Rp 3.186.596 | Rp 3.534.345 | Rp 350.247.880 | floating |
| 107 | Rp 6.720.941 | Rp 3.218.462 | Rp 3.502.479 | Rp 347.029.418 | floating |
| 108 | Rp 6.720.941 | Rp 3.250.647 | Rp 3.470.294 | Rp 343.778.771 | floating |
| 109 | Rp 6.720.941 | Rp 3.283.153 | Rp 3.437.788 | Rp 340.495.617 | floating |
| 110 | Rp 6.720.941 | Rp 3.315.985 | Rp 3.404.956 | Rp 337.179.632 | floating |
| 111 | Rp 6.720.941 | Rp 3.349.145 | Rp 3.371.796 | Rp 333.830.488 | floating |
| 112 | Rp 6.720.941 | Rp 3.382.636 | Rp 3.338.305 | Rp 330.447.851 | floating |
| 113 | Rp 6.720.941 | Rp 3.416.463 | Rp 3.304.479 | Rp 327.031.389 | floating |
| 114 | Rp 6.720.941 | Rp 3.450.627 | Rp 3.270.314 | Rp 323.580.761 | floating |
| 115 | Rp 6.720.941 | Rp 3.485.134 | Rp 3.235.808 | Rp 320.095.628 | floating |
| 116 | Rp 6.720.941 | Rp 3.519.985 | Rp 3.200.956 | Rp 316.575.643 | floating |
| 117 | Rp 6.720.941 | Rp 3.555.185 | Rp 3.165.756 | Rp 313.020.458 | floating |
| 118 | Rp 6.720.941 | Rp 3.590.737 | Rp 3.130.205 | Rp 309.429.722 | floating |
| 119 | Rp 6.720.941 | Rp 3.626.644 | Rp 3.094.297 | Rp 305.803.078 | floating |
| 120 | Rp 6.720.941 | Rp 3.662.910 | Rp 3.058.031 | Rp 302.140.167 | floating |
| 121 | Rp 6.720.941 | Rp 3.699.539 | Rp 3.021.402 | Rp 298.440.628 | floating |
| 122 | Rp 6.720.941 | Rp 3.736.535 | Rp 2.984.406 | Rp 294.704.093 | floating |
| 123 | Rp 6.720.941 | Rp 3.773.900 | Rp 2.947.041 | Rp 290.930.193 | floating |
| 124 | Rp 6.720.941 | Rp 3.811.639 | Rp 2.909.302 | Rp 287.118.554 | floating |
| 125 | Rp 6.720.941 | Rp 3.849.756 | Rp 2.871.186 | Rp 283.268.798 | floating |
| 126 | Rp 6.720.941 | Rp 3.888.253 | Rp 2.832.688 | Rp 279.380.545 | floating |
| 127 | Rp 6.720.941 | Rp 3.927.136 | Rp 2.793.805 | Rp 275.453.409 | floating |
| 128 | Rp 6.720.941 | Rp 3.966.407 | Rp 2.754.534 | Rp 271.487.002 | floating |
| 129 | Rp 6.720.941 | Rp 4.006.071 | Rp 2.714.870 | Rp 267.480.931 | floating |
| 130 | Rp 6.720.941 | Rp 4.046.132 | Rp 2.674.809 | Rp 263.434.799 | floating |
| 131 | Rp 6.720.941 | Rp 4.086.593 | Rp 2.634.348 | Rp 259.348.206 | floating |
| 132 | Rp 6.720.941 | Rp 4.127.459 | Rp 2.593.482 | Rp 255.220.747 | floating |
| 133 | Rp 6.720.941 | Rp 4.168.734 | Rp 2.552.207 | Rp 251.052.013 | floating |
| 134 | Rp 6.720.941 | Rp 4.210.421 | Rp 2.510.520 | Rp 246.841.592 | floating |
| 135 | Rp 6.720.941 | Rp 4.252.525 | Rp 2.468.416 | Rp 242.589.067 | floating |
| 136 | Rp 6.720.941 | Rp 4.295.050 | Rp 2.425.891 | Rp 238.294.017 | floating |
| 137 | Rp 6.720.941 | Rp 4.338.001 | Rp 2.382.940 | Rp 233.956.016 | floating |
| 138 | Rp 6.720.941 | Rp 4.381.381 | Rp 2.339.560 | Rp 229.574.635 | floating |
| 139 | Rp 6.720.941 | Rp 4.425.195 | Rp 2.295.746 | Rp 225.149.440 | floating |
| 140 | Rp 6.720.941 | Rp 4.469.447 | Rp 2.251.494 | Rp 220.679.993 | floating |
| 141 | Rp 6.720.941 | Rp 4.514.141 | Rp 2.206.800 | Rp 216.165.852 | floating |
| 142 | Rp 6.720.941 | Rp 4.559.283 | Rp 2.161.659 | Rp 211.606.569 | floating |
| 143 | Rp 6.720.941 | Rp 4.604.875 | Rp 2.116.066 | Rp 207.001.694 | floating |
| 144 | Rp 6.720.941 | Rp 4.650.924 | Rp 2.070.017 | Rp 202.350.769 | floating |
| 145 | Rp 6.720.941 | Rp 4.697.433 | Rp 2.023.508 | Rp 197.653.336 | floating |
| 146 | Rp 6.720.941 | Rp 4.744.408 | Rp 1.976.533 | Rp 192.908.928 | floating |
| 147 | Rp 6.720.941 | Rp 4.791.852 | Rp 1.929.089 | Rp 188.117.076 | floating |
| 148 | Rp 6.720.941 | Rp 4.839.770 | Rp 1.881.171 | Rp 183.277.306 | floating |
| 149 | Rp 6.720.941 | Rp 4.888.168 | Rp 1.832.773 | Rp 178.389.138 | floating |
| 150 | Rp 6.720.941 | Rp 4.937.050 | Rp 1.783.891 | Rp 173.452.088 | floating |
| 151 | Rp 6.720.941 | Rp 4.986.420 | Rp 1.734.521 | Rp 168.465.668 | floating |
| 152 | Rp 6.720.941 | Rp 5.036.284 | Rp 1.684.657 | Rp 163.429.383 | floating |
| 153 | Rp 6.720.941 | Rp 5.086.647 | Rp 1.634.294 | Rp 158.342.736 | floating |
| 154 | Rp 6.720.941 | Rp 5.137.514 | Rp 1.583.427 | Rp 153.205.222 | floating |
| 155 | Rp 6.720.941 | Rp 5.188.889 | Rp 1.532.052 | Rp 148.016.333 | floating |
| 156 | Rp 6.720.941 | Rp 5.240.778 | Rp 1.480.163 | Rp 142.775.556 | floating |
| 157 | Rp 6.720.941 | Rp 5.293.186 | Rp 1.427.756 | Rp 137.482.370 | floating |
| 158 | Rp 6.720.941 | Rp 5.346.117 | Rp 1.374.824 | Rp 132.136.252 | floating |
| 159 | Rp 6.720.941 | Rp 5.399.579 | Rp 1.321.363 | Rp 126.736.674 | floating |
| 160 | Rp 6.720.941 | Rp 5.453.574 | Rp 1.267.367 | Rp 121.283.099 | floating |
| 161 | Rp 6.720.941 | Rp 5.508.110 | Rp 1.212.831 | Rp 115.774.989 | floating |
| 162 | Rp 6.720.941 | Rp 5.563.191 | Rp 1.157.750 | Rp 110.211.798 | floating |
| 163 | Rp 6.720.941 | Rp 5.618.823 | Rp 1.102.118 | Rp 104.592.975 | floating |
| 164 | Rp 6.720.941 | Rp 5.675.011 | Rp 1.045.930 | Rp 98.917.963 | floating |
| 165 | Rp 6.720.941 | Rp 5.731.762 | Rp 989.180 | Rp 93.186.202 | floating |
| 166 | Rp 6.720.941 | Rp 5.789.079 | Rp 931.862 | Rp 87.397.123 | floating |
| 167 | Rp 6.720.941 | Rp 5.846.970 | Rp 873.971 | Rp 81.550.153 | floating |
| 168 | Rp 6.720.941 | Rp 5.905.440 | Rp 815.502 | Rp 75.644.713 | floating |
| 169 | Rp 6.720.941 | Rp 5.964.494 | Rp 756.447 | Rp 69.680.219 | floating |
| 170 | Rp 6.720.941 | Rp 6.024.139 | Rp 696.802 | Rp 63.656.080 | floating |
| 171 | Rp 6.720.941 | Rp 6.084.380 | Rp 636.561 | Rp 57.571.700 | floating |
| 172 | Rp 6.720.941 | Rp 6.145.224 | Rp 575.717 | Rp 51.426.476 | floating |
| 173 | Rp 6.720.941 | Rp 6.206.676 | Rp 514.265 | Rp 45.219.799 | floating |
| 174 | Rp 6.720.941 | Rp 6.268.743 | Rp 452.198 | Rp 38.951.056 | floating |
| 175 | Rp 6.720.941 | Rp 6.331.431 | Rp 389.511 | Rp 32.619.626 | floating |
| 176 | Rp 6.720.941 | Rp 6.394.745 | Rp 326.196 | Rp 26.224.881 | floating |
| 177 | Rp 6.720.941 | Rp 6.458.692 | Rp 262.249 | Rp 19.766.188 | floating |
| 178 | Rp 6.720.941 | Rp 6.523.279 | Rp 197.662 | Rp 13.242.909 | floating |
| 179 | Rp 6.720.941 | Rp 6.588.512 | Rp 132.429 | Rp 6.654.397 | floating |
| 180 | Rp 6.720.941 | Rp 6.654.397 | Rp 66.544 | 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 Modern Express Rp 1 miliar 20 tahun
| Pokok pinjaman | Rp 1.000.000.000 |
| Bunga fixed | 12% selama 5 tahun |
| Bunga floating estimasi | 12% |
| Tenor total | 20 tahun (240 bulan) |
| Cicilan tahun fixed | Rp 11.010.861/bulan |
| Cicilan estimasi tahun floating | Rp 11.010.861/bulan |
| Total bunga sepanjang tenor | Rp 1.642.606.721 |
| Total dibayar | Rp 2.642.606.721 |
Pertimbangan untuk pinjaman Rp 1 miliar
Pinjaman Rp 1 miliar dengan tenor 20 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 33.032.584/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:
- DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 1.250.000.000 bisa menghemat sekitar Rp 164.260.672 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 Modern Express
BPR dengan layanan digital. Tenor pendek, DP besar, tapi proses cepat untuk profil non-bankable. Sumber rate card: https://www.bprmodernexpress.co.id/produk/kredit.
Pertanyaan yang sering diajukan
Berapa cicilan KPR BPR Modern Express Rp 1 miliar 20 tahun?
Untuk pinjaman Rp 1 miliar dengan tenor 20 tahun, cicilan tahun fixed (5 tahun pertama, bunga 12%) sekitar Rp 11.010.861. Setelah masa fixed, cicilan estimasi Rp 11.010.861 dengan bunga floating ~12%.
Berapa total bunga yang dibayar untuk KPR Rp 1 miliar 20 tahun di BPR Modern Express?
Total bunga estimasi sekitar Rp 1.642.606.721 sepanjang tenor 20 tahun. Total dibayar (pokok + bunga) sekitar Rp 2.642.606.721. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR BPR Modern Express?
BPR Modern Express mensyaratkan DP minimum 30% 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 Modern Express 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 Modern Express untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 1 miliar 20 tahun)
- Simulasi KPR BCA Rp 1 miliar 20 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 1 miliar 20 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 1 miliar 20 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 1 miliar 20 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 1 miliar 20 tahun (fixed 5%)
Skenario lain BPR Modern Express
- KPR BPR Modern Express Rp 200 juta tenor 20 tahun
- KPR BPR Modern Express Rp 300 juta tenor 20 tahun
- KPR BPR Modern Express Rp 500 juta tenor 20 tahun
- KPR BPR Modern Express Rp 750 juta tenor 20 tahun
- KPR BPR Modern Express Rp 1 miliar tenor 5 tahun
- KPR BPR Modern Express Rp 1 miliar tenor 10 tahun
- KPR BPR Modern Express Rp 1 miliar tenor 15 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi BPR Modern Express. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.