Simulasi KPR BPR Modern Express Rp 200 juta Tenor 15 tahun
Hitung cicilan KPR BPR Modern Express untuk pinjaman Rp 200 juta dengan tenor 15 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 2.400.336/bulan
Lalu cicilan estimasi tahun floating: Rp 2.400.336/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 200 juta 15 tahun
| Pokok pinjaman | Rp 200.000.000 |
| Bunga fixed | 12% selama 5 tahun |
| Bunga floating estimasi | 12% |
| Tenor total | 15 tahun (180 bulan) |
| Cicilan tahun fixed | Rp 2.400.336/bulan |
| Cicilan estimasi tahun floating | Rp 2.400.336/bulan |
| Total bunga sepanjang tenor | Rp 232.060.502 |
| Total dibayar | Rp 432.060.502 |
Pertimbangan untuk pinjaman Rp 200 juta
Pinjaman Rp 200 juta dengan tenor 15 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 7.201.008/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 23.206.050 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 200 juta 15 tahun?
Untuk pinjaman Rp 200 juta dengan tenor 15 tahun, cicilan tahun fixed (5 tahun pertama, bunga 12%) sekitar Rp 2.400.336. Setelah masa fixed, cicilan estimasi Rp 2.400.336 dengan bunga floating ~12%.
Berapa total bunga yang dibayar untuk KPR Rp 200 juta 15 tahun di BPR Modern Express?
Total bunga estimasi sekitar Rp 232.060.502 sepanjang tenor 15 tahun. Total dibayar (pokok + bunga) sekitar Rp 432.060.502. 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 200 juta 15 tahun)
- Simulasi KPR BCA Rp 200 juta 15 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 200 juta 15 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 200 juta 15 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 200 juta 15 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 200 juta 15 tahun (fixed 5%)
Skenario lain BPR Modern Express
- KPR BPR Modern Express Rp 300 juta tenor 15 tahun
- KPR BPR Modern Express Rp 500 juta tenor 15 tahun
- KPR BPR Modern Express Rp 750 juta tenor 15 tahun
- KPR BPR Modern Express Rp 1 miliar tenor 15 tahun
- KPR BPR Modern Express Rp 200 juta tenor 5 tahun
- KPR BPR Modern Express Rp 200 juta tenor 10 tahun
- KPR BPR Modern Express Rp 200 juta tenor 20 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.