Simulasi KPR BPR Surya Yudha Rp 1,5 miliar Tenor 25 tahun
Hitung cicilan KPR BPR Surya Yudha untuk pinjaman Rp 1,5 miliar dengan tenor 25 tahun. Pakai parameter rate card publik PT BPR Surya Yudhakencana.
Data per 02-05-2026 · Sumber: Rate card publik BPR Surya Yudha
Cicilan tahun fixed (8 tahun pertama)
Rp 15.247.034/bulan
Lalu cicilan estimasi tahun floating: Rp 15.247.034/bulan
Sesuaikan parameter
Simulasi memakai parameter BPR Surya Yudha KPR. Silakan ubah angka di bawah untuk skenario Anda.
Pokok pinjaman
Rp 600.000.000
Uang muka (DP)
Rp 200.000.000 (25%)
Cicilan bulanan (tetap selama tenor)
Rp 7.009.139
Total bunga / margin dibayar
Rp 661.644.995
Total dibayar (pokok + bunga)
Rp 1.261.644.995
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 7.009.139 | Rp 1.259.139 | Rp 5.750.000 | Rp 598.740.861 | fixed |
| 2 | Rp 7.009.139 | Rp 1.271.206 | Rp 5.737.933 | Rp 597.469.656 | fixed |
| 3 | Rp 7.009.139 | Rp 1.283.388 | Rp 5.725.751 | Rp 596.186.268 | fixed |
| 4 | Rp 7.009.139 | Rp 1.295.687 | Rp 5.713.452 | Rp 594.890.580 | fixed |
| 5 | Rp 7.009.139 | Rp 1.308.104 | Rp 5.701.035 | Rp 593.582.476 | fixed |
| 6 | Rp 7.009.139 | Rp 1.320.640 | Rp 5.688.499 | Rp 592.261.836 | fixed |
| 7 | Rp 7.009.139 | Rp 1.333.296 | Rp 5.675.843 | Rp 590.928.540 | fixed |
| 8 | Rp 7.009.139 | Rp 1.346.074 | Rp 5.663.065 | Rp 589.582.466 | fixed |
| 9 | Rp 7.009.139 | Rp 1.358.974 | Rp 5.650.165 | Rp 588.223.493 | fixed |
| 10 | Rp 7.009.139 | Rp 1.371.997 | Rp 5.637.142 | Rp 586.851.496 | fixed |
| 11 | Rp 7.009.139 | Rp 1.385.145 | Rp 5.623.993 | Rp 585.466.350 | fixed |
| 12 | Rp 7.009.139 | Rp 1.398.420 | Rp 5.610.719 | Rp 584.067.931 | fixed |
| 13 | Rp 7.009.139 | Rp 1.411.821 | Rp 5.597.318 | Rp 582.656.109 | fixed |
| 14 | Rp 7.009.139 | Rp 1.425.351 | Rp 5.583.788 | Rp 581.230.758 | fixed |
| 15 | Rp 7.009.139 | Rp 1.439.011 | Rp 5.570.128 | Rp 579.791.747 | fixed |
| 16 | Rp 7.009.139 | Rp 1.452.801 | Rp 5.556.338 | Rp 578.338.946 | fixed |
| 17 | Rp 7.009.139 | Rp 1.466.724 | Rp 5.542.415 | Rp 576.872.222 | fixed |
| 18 | Rp 7.009.139 | Rp 1.480.780 | Rp 5.528.359 | Rp 575.391.442 | fixed |
| 19 | Rp 7.009.139 | Rp 1.494.971 | Rp 5.514.168 | Rp 573.896.471 | fixed |
| 20 | Rp 7.009.139 | Rp 1.509.298 | Rp 5.499.841 | Rp 572.387.174 | fixed |
| 21 | Rp 7.009.139 | Rp 1.523.762 | Rp 5.485.377 | Rp 570.863.412 | fixed |
| 22 | Rp 7.009.139 | Rp 1.538.364 | Rp 5.470.774 | Rp 569.325.047 | fixed |
| 23 | Rp 7.009.139 | Rp 1.553.107 | Rp 5.456.032 | Rp 567.771.940 | fixed |
| 24 | Rp 7.009.139 | Rp 1.567.991 | Rp 5.441.148 | Rp 566.203.949 | fixed |
| 25 | Rp 7.009.139 | Rp 1.583.018 | Rp 5.426.121 | Rp 564.620.931 | fixed |
| 26 | Rp 7.009.139 | Rp 1.598.188 | Rp 5.410.951 | Rp 563.022.743 | fixed |
| 27 | Rp 7.009.139 | Rp 1.613.504 | Rp 5.395.635 | Rp 561.409.239 | fixed |
| 28 | Rp 7.009.139 | Rp 1.628.967 | Rp 5.380.172 | Rp 559.780.272 | fixed |
| 29 | Rp 7.009.139 | Rp 1.644.578 | Rp 5.364.561 | Rp 558.135.694 | fixed |
| 30 | Rp 7.009.139 | Rp 1.660.338 | Rp 5.348.800 | Rp 556.475.356 | fixed |
| 31 | Rp 7.009.139 | Rp 1.676.250 | Rp 5.332.889 | Rp 554.799.105 | fixed |
| 32 | Rp 7.009.139 | Rp 1.692.314 | Rp 5.316.825 | Rp 553.106.791 | fixed |
| 33 | Rp 7.009.139 | Rp 1.708.532 | Rp 5.300.607 | Rp 551.398.259 | fixed |
| 34 | Rp 7.009.139 | Rp 1.724.906 | Rp 5.284.233 | Rp 549.673.354 | fixed |
| 35 | Rp 7.009.139 | Rp 1.741.436 | Rp 5.267.703 | Rp 547.931.918 | fixed |
| 36 | Rp 7.009.139 | Rp 1.758.125 | Rp 5.251.014 | Rp 546.173.793 | fixed |
| 37 | Rp 7.009.139 | Rp 1.774.973 | Rp 5.234.166 | Rp 544.398.820 | fixed |
| 38 | Rp 7.009.139 | Rp 1.791.984 | Rp 5.217.155 | Rp 542.606.836 | fixed |
| 39 | Rp 7.009.139 | Rp 1.809.157 | Rp 5.199.982 | Rp 540.797.680 | fixed |
| 40 | Rp 7.009.139 | Rp 1.826.494 | Rp 5.182.644 | Rp 538.971.185 | fixed |
| 41 | Rp 7.009.139 | Rp 1.843.998 | Rp 5.165.141 | Rp 537.127.187 | fixed |
| 42 | Rp 7.009.139 | Rp 1.861.670 | Rp 5.147.469 | Rp 535.265.517 | fixed |
| 43 | Rp 7.009.139 | Rp 1.879.511 | Rp 5.129.628 | Rp 533.386.006 | fixed |
| 44 | Rp 7.009.139 | Rp 1.897.523 | Rp 5.111.616 | Rp 531.488.483 | fixed |
| 45 | Rp 7.009.139 | Rp 1.915.708 | Rp 5.093.431 | Rp 529.572.775 | fixed |
| 46 | Rp 7.009.139 | Rp 1.934.066 | Rp 5.075.072 | Rp 527.638.709 | fixed |
| 47 | Rp 7.009.139 | Rp 1.952.601 | Rp 5.056.538 | Rp 525.686.108 | fixed |
| 48 | Rp 7.009.139 | Rp 1.971.314 | Rp 5.037.825 | Rp 523.714.794 | fixed |
| 49 | Rp 7.009.139 | Rp 1.990.205 | Rp 5.018.933 | Rp 521.724.589 | fixed |
| 50 | Rp 7.009.139 | Rp 2.009.278 | Rp 4.999.861 | Rp 519.715.310 | fixed |
| 51 | Rp 7.009.139 | Rp 2.028.534 | Rp 4.980.605 | Rp 517.686.777 | fixed |
| 52 | Rp 7.009.139 | Rp 2.047.974 | Rp 4.961.165 | Rp 515.638.803 | fixed |
| 53 | Rp 7.009.139 | Rp 2.067.600 | Rp 4.941.539 | Rp 513.571.202 | fixed |
| 54 | Rp 7.009.139 | Rp 2.087.415 | Rp 4.921.724 | Rp 511.483.788 | fixed |
| 55 | Rp 7.009.139 | Rp 2.107.419 | Rp 4.901.720 | Rp 509.376.368 | fixed |
| 56 | Rp 7.009.139 | Rp 2.127.615 | Rp 4.881.524 | Rp 507.248.753 | fixed |
| 57 | Rp 7.009.139 | Rp 2.148.005 | Rp 4.861.134 | Rp 505.100.748 | fixed |
| 58 | Rp 7.009.139 | Rp 2.168.590 | Rp 4.840.549 | Rp 502.932.158 | fixed |
| 59 | Rp 7.009.139 | Rp 2.189.372 | Rp 4.819.767 | Rp 500.742.786 | fixed |
| 60 | Rp 7.009.139 | Rp 2.210.354 | Rp 4.798.785 | Rp 498.532.432 | fixed |
| 61 | Rp 7.009.139 | Rp 2.231.536 | Rp 4.777.602 | Rp 496.300.895 | fixed |
| 62 | Rp 7.009.139 | Rp 2.252.922 | Rp 4.756.217 | Rp 494.047.974 | fixed |
| 63 | Rp 7.009.139 | Rp 2.274.512 | Rp 4.734.626 | Rp 491.773.461 | fixed |
| 64 | Rp 7.009.139 | Rp 2.296.310 | Rp 4.712.829 | Rp 489.477.151 | fixed |
| 65 | Rp 7.009.139 | Rp 2.318.316 | Rp 4.690.823 | Rp 487.158.835 | fixed |
| 66 | Rp 7.009.139 | Rp 2.340.533 | Rp 4.668.606 | Rp 484.818.302 | fixed |
| 67 | Rp 7.009.139 | Rp 2.362.963 | Rp 4.646.175 | Rp 482.455.338 | fixed |
| 68 | Rp 7.009.139 | Rp 2.385.609 | Rp 4.623.530 | Rp 480.069.730 | fixed |
| 69 | Rp 7.009.139 | Rp 2.408.471 | Rp 4.600.668 | Rp 477.661.259 | fixed |
| 70 | Rp 7.009.139 | Rp 2.431.552 | Rp 4.577.587 | Rp 475.229.707 | fixed |
| 71 | Rp 7.009.139 | Rp 2.454.854 | Rp 4.554.285 | Rp 472.774.853 | fixed |
| 72 | Rp 7.009.139 | Rp 2.478.380 | Rp 4.530.759 | Rp 470.296.473 | fixed |
| 73 | Rp 7.009.139 | Rp 2.502.131 | Rp 4.507.008 | Rp 467.794.342 | fixed |
| 74 | Rp 7.009.139 | Rp 2.526.110 | Rp 4.483.029 | Rp 465.268.233 | fixed |
| 75 | Rp 7.009.139 | Rp 2.550.318 | Rp 4.458.821 | Rp 462.717.914 | fixed |
| 76 | Rp 7.009.139 | Rp 2.574.759 | Rp 4.434.380 | Rp 460.143.155 | fixed |
| 77 | Rp 7.009.139 | Rp 2.599.434 | Rp 4.409.705 | Rp 457.543.722 | fixed |
| 78 | Rp 7.009.139 | Rp 2.624.345 | Rp 4.384.794 | Rp 454.919.377 | fixed |
| 79 | Rp 7.009.139 | Rp 2.649.495 | Rp 4.359.644 | Rp 452.269.882 | fixed |
| 80 | Rp 7.009.139 | Rp 2.674.886 | Rp 4.334.253 | Rp 449.594.996 | fixed |
| 81 | Rp 7.009.139 | Rp 2.700.520 | Rp 4.308.619 | Rp 446.894.476 | fixed |
| 82 | Rp 7.009.139 | Rp 2.726.400 | Rp 4.282.739 | Rp 444.168.076 | fixed |
| 83 | Rp 7.009.139 | Rp 2.752.528 | Rp 4.256.611 | Rp 441.415.548 | fixed |
| 84 | Rp 7.009.139 | Rp 2.778.907 | Rp 4.230.232 | Rp 438.636.641 | fixed |
| 85 | Rp 7.009.139 | Rp 2.805.538 | Rp 4.203.601 | Rp 435.831.104 | fixed |
| 86 | Rp 7.009.139 | Rp 2.832.424 | Rp 4.176.715 | Rp 432.998.679 | fixed |
| 87 | Rp 7.009.139 | Rp 2.859.568 | Rp 4.149.571 | Rp 430.139.111 | fixed |
| 88 | Rp 7.009.139 | Rp 2.886.972 | Rp 4.122.166 | Rp 427.252.139 | fixed |
| 89 | Rp 7.009.139 | Rp 2.914.639 | Rp 4.094.500 | Rp 424.337.500 | fixed |
| 90 | Rp 7.009.139 | Rp 2.942.571 | Rp 4.066.568 | Rp 421.394.929 | fixed |
| 91 | Rp 7.009.139 | Rp 2.970.771 | Rp 4.038.368 | Rp 418.424.158 | fixed |
| 92 | Rp 7.009.139 | Rp 2.999.241 | Rp 4.009.898 | Rp 415.424.917 | fixed |
| 93 | Rp 7.009.139 | Rp 3.027.983 | Rp 3.981.155 | Rp 412.396.934 | fixed |
| 94 | Rp 7.009.139 | Rp 3.057.002 | Rp 3.952.137 | Rp 409.339.932 | fixed |
| 95 | Rp 7.009.139 | Rp 3.086.298 | Rp 3.922.841 | Rp 406.253.634 | fixed |
| 96 | Rp 7.009.139 | Rp 3.115.875 | Rp 3.893.264 | Rp 403.137.759 | fixed |
| 97 | Rp 7.009.139 | Rp 3.145.735 | Rp 3.863.404 | Rp 399.992.024 | floating |
| 98 | Rp 7.009.139 | Rp 3.175.882 | Rp 3.833.257 | Rp 396.816.142 | floating |
| 99 | Rp 7.009.139 | Rp 3.206.317 | Rp 3.802.821 | Rp 393.609.825 | floating |
| 100 | Rp 7.009.139 | Rp 3.237.045 | Rp 3.772.094 | Rp 390.372.780 | floating |
| 101 | Rp 7.009.139 | Rp 3.268.066 | Rp 3.741.072 | Rp 387.104.714 | floating |
| 102 | Rp 7.009.139 | Rp 3.299.385 | Rp 3.709.754 | Rp 383.805.328 | floating |
| 103 | Rp 7.009.139 | Rp 3.331.004 | Rp 3.678.134 | Rp 380.474.324 | floating |
| 104 | Rp 7.009.139 | Rp 3.362.927 | Rp 3.646.212 | Rp 377.111.397 | floating |
| 105 | Rp 7.009.139 | Rp 3.395.155 | Rp 3.613.984 | Rp 373.716.242 | floating |
| 106 | Rp 7.009.139 | Rp 3.427.692 | Rp 3.581.447 | Rp 370.288.551 | floating |
| 107 | Rp 7.009.139 | Rp 3.460.540 | Rp 3.548.599 | Rp 366.828.011 | floating |
| 108 | Rp 7.009.139 | Rp 3.493.704 | Rp 3.515.435 | Rp 363.334.307 | floating |
| 109 | Rp 7.009.139 | Rp 3.527.185 | Rp 3.481.954 | Rp 359.807.122 | floating |
| 110 | Rp 7.009.139 | Rp 3.560.987 | Rp 3.448.152 | Rp 356.246.135 | floating |
| 111 | Rp 7.009.139 | Rp 3.595.113 | Rp 3.414.025 | Rp 352.651.021 | floating |
| 112 | Rp 7.009.139 | Rp 3.629.567 | Rp 3.379.572 | Rp 349.021.455 | floating |
| 113 | Rp 7.009.139 | Rp 3.664.350 | Rp 3.344.789 | Rp 345.357.105 | floating |
| 114 | Rp 7.009.139 | Rp 3.699.467 | Rp 3.309.672 | Rp 341.657.638 | floating |
| 115 | Rp 7.009.139 | Rp 3.734.920 | Rp 3.274.219 | Rp 337.922.718 | floating |
| 116 | Rp 7.009.139 | Rp 3.770.713 | Rp 3.238.426 | Rp 334.152.005 | floating |
| 117 | Rp 7.009.139 | Rp 3.806.849 | Rp 3.202.290 | Rp 330.345.157 | floating |
| 118 | Rp 7.009.139 | Rp 3.843.331 | Rp 3.165.808 | Rp 326.501.826 | floating |
| 119 | Rp 7.009.139 | Rp 3.880.163 | Rp 3.128.976 | Rp 322.621.663 | floating |
| 120 | Rp 7.009.139 | Rp 3.917.348 | Rp 3.091.791 | Rp 318.704.315 | floating |
| 121 | Rp 7.009.139 | Rp 3.954.889 | Rp 3.054.250 | Rp 314.749.425 | floating |
| 122 | Rp 7.009.139 | Rp 3.992.790 | Rp 3.016.349 | Rp 310.756.635 | floating |
| 123 | Rp 7.009.139 | Rp 4.031.054 | Rp 2.978.084 | Rp 306.725.581 | floating |
| 124 | Rp 7.009.139 | Rp 4.069.685 | Rp 2.939.453 | Rp 302.655.895 | floating |
| 125 | Rp 7.009.139 | Rp 4.108.687 | Rp 2.900.452 | Rp 298.547.209 | floating |
| 126 | Rp 7.009.139 | Rp 4.148.061 | Rp 2.861.077 | Rp 294.399.147 | floating |
| 127 | Rp 7.009.139 | Rp 4.187.814 | Rp 2.821.325 | Rp 290.211.334 | floating |
| 128 | Rp 7.009.139 | Rp 4.227.947 | Rp 2.781.192 | Rp 285.983.387 | floating |
| 129 | Rp 7.009.139 | Rp 4.268.465 | Rp 2.740.674 | Rp 281.714.922 | floating |
| 130 | Rp 7.009.139 | Rp 4.309.371 | Rp 2.699.768 | Rp 277.405.551 | floating |
| 131 | Rp 7.009.139 | Rp 4.350.669 | Rp 2.658.470 | Rp 273.054.882 | floating |
| 132 | Rp 7.009.139 | Rp 4.392.363 | Rp 2.616.776 | Rp 268.662.519 | floating |
| 133 | Rp 7.009.139 | Rp 4.434.456 | Rp 2.574.682 | Rp 264.228.063 | floating |
| 134 | Rp 7.009.139 | Rp 4.476.953 | Rp 2.532.186 | Rp 259.751.110 | floating |
| 135 | Rp 7.009.139 | Rp 4.519.857 | Rp 2.489.281 | Rp 255.231.252 | floating |
| 136 | Rp 7.009.139 | Rp 4.563.173 | Rp 2.445.966 | Rp 250.668.080 | floating |
| 137 | Rp 7.009.139 | Rp 4.606.903 | Rp 2.402.236 | Rp 246.061.177 | floating |
| 138 | Rp 7.009.139 | Rp 4.651.053 | Rp 2.358.086 | Rp 241.410.124 | floating |
| 139 | Rp 7.009.139 | Rp 4.695.625 | Rp 2.313.514 | Rp 236.714.499 | floating |
| 140 | Rp 7.009.139 | Rp 4.740.625 | Rp 2.268.514 | Rp 231.973.874 | floating |
| 141 | Rp 7.009.139 | Rp 4.786.056 | Rp 2.223.083 | Rp 227.187.818 | floating |
| 142 | Rp 7.009.139 | Rp 4.831.922 | Rp 2.177.217 | Rp 222.355.896 | floating |
| 143 | Rp 7.009.139 | Rp 4.878.228 | Rp 2.130.911 | Rp 217.477.667 | floating |
| 144 | Rp 7.009.139 | Rp 4.924.978 | Rp 2.084.161 | Rp 212.552.690 | floating |
| 145 | Rp 7.009.139 | Rp 4.972.176 | Rp 2.036.963 | Rp 207.580.514 | floating |
| 146 | Rp 7.009.139 | Rp 5.019.826 | Rp 1.989.313 | Rp 202.560.688 | floating |
| 147 | Rp 7.009.139 | Rp 5.067.932 | Rp 1.941.207 | Rp 197.492.756 | floating |
| 148 | Rp 7.009.139 | Rp 5.116.500 | Rp 1.892.639 | Rp 192.376.256 | floating |
| 149 | Rp 7.009.139 | Rp 5.165.533 | Rp 1.843.606 | Rp 187.210.723 | floating |
| 150 | Rp 7.009.139 | Rp 5.215.036 | Rp 1.794.103 | Rp 181.995.687 | floating |
| 151 | Rp 7.009.139 | Rp 5.265.014 | Rp 1.744.125 | Rp 176.730.674 | floating |
| 152 | Rp 7.009.139 | Rp 5.315.470 | Rp 1.693.669 | Rp 171.415.204 | floating |
| 153 | Rp 7.009.139 | Rp 5.366.410 | Rp 1.642.729 | Rp 166.048.794 | floating |
| 154 | Rp 7.009.139 | Rp 5.417.838 | Rp 1.591.301 | Rp 160.630.956 | floating |
| 155 | Rp 7.009.139 | Rp 5.469.759 | Rp 1.539.380 | Rp 155.161.197 | floating |
| 156 | Rp 7.009.139 | Rp 5.522.177 | Rp 1.486.961 | Rp 149.639.020 | floating |
| 157 | Rp 7.009.139 | Rp 5.575.098 | Rp 1.434.041 | Rp 144.063.921 | floating |
| 158 | Rp 7.009.139 | Rp 5.628.526 | Rp 1.380.613 | Rp 138.435.395 | floating |
| 159 | Rp 7.009.139 | Rp 5.682.466 | Rp 1.326.673 | Rp 132.752.929 | floating |
| 160 | Rp 7.009.139 | Rp 5.736.923 | Rp 1.272.216 | Rp 127.016.005 | floating |
| 161 | Rp 7.009.139 | Rp 5.791.902 | Rp 1.217.237 | Rp 121.224.103 | floating |
| 162 | Rp 7.009.139 | Rp 5.847.408 | Rp 1.161.731 | Rp 115.376.695 | floating |
| 163 | Rp 7.009.139 | Rp 5.903.446 | Rp 1.105.693 | Rp 109.473.250 | floating |
| 164 | Rp 7.009.139 | Rp 5.960.020 | Rp 1.049.119 | Rp 103.513.230 | floating |
| 165 | Rp 7.009.139 | Rp 6.017.137 | Rp 992.002 | Rp 97.496.093 | floating |
| 166 | Rp 7.009.139 | Rp 6.074.801 | Rp 934.338 | Rp 91.421.291 | floating |
| 167 | Rp 7.009.139 | Rp 6.133.018 | Rp 876.121 | Rp 85.288.273 | floating |
| 168 | Rp 7.009.139 | Rp 6.191.793 | Rp 817.346 | Rp 79.096.480 | floating |
| 169 | Rp 7.009.139 | Rp 6.251.131 | Rp 758.008 | Rp 72.845.349 | floating |
| 170 | Rp 7.009.139 | Rp 6.311.038 | Rp 698.101 | Rp 66.534.312 | floating |
| 171 | Rp 7.009.139 | Rp 6.371.518 | Rp 637.620 | Rp 60.162.793 | floating |
| 172 | Rp 7.009.139 | Rp 6.432.579 | Rp 576.560 | Rp 53.730.215 | floating |
| 173 | Rp 7.009.139 | Rp 6.494.224 | Rp 514.915 | Rp 47.235.990 | floating |
| 174 | Rp 7.009.139 | Rp 6.556.461 | Rp 452.678 | Rp 40.679.530 | floating |
| 175 | Rp 7.009.139 | Rp 6.619.293 | Rp 389.845 | Rp 34.060.236 | floating |
| 176 | Rp 7.009.139 | Rp 6.682.728 | Rp 326.411 | Rp 27.377.508 | floating |
| 177 | Rp 7.009.139 | Rp 6.746.771 | Rp 262.368 | Rp 20.630.737 | floating |
| 178 | Rp 7.009.139 | Rp 6.811.428 | Rp 197.711 | Rp 13.819.309 | floating |
| 179 | Rp 7.009.139 | Rp 6.876.704 | Rp 132.435 | Rp 6.942.606 | floating |
| 180 | Rp 7.009.139 | Rp 6.942.606 | Rp 66.533 | 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 Surya Yudha Rp 1,5 miliar 25 tahun
| Pokok pinjaman | Rp 1.500.000.000 |
| Bunga fixed | 11,5% selama 8 tahun |
| Bunga floating estimasi | 11,5% |
| Tenor total | 25 tahun (300 bulan) |
| Cicilan tahun fixed | Rp 15.247.034/bulan |
| Cicilan estimasi tahun floating | Rp 15.247.034/bulan |
| Total bunga sepanjang tenor | Rp 3.074.110.342 |
| Total dibayar | Rp 4.574.110.342 |
Pertimbangan untuk pinjaman Rp 1,5 miliar
Pinjaman Rp 1,5 miliar dengan tenor 25 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 45.741.103/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:
- DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 1.875.000.000 bisa menghemat sekitar Rp 307.411.034 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 Surya Yudha
BPR di Banjarnegara, Jawa Tengah. Sering ranked top BPR nasional. Sumber rate card: https://www.bprsuryayudha.co.id/produk/kredit.
Pertanyaan yang sering diajukan
Berapa cicilan KPR BPR Surya Yudha Rp 1,5 miliar 25 tahun?
Untuk pinjaman Rp 1,5 miliar dengan tenor 25 tahun, cicilan tahun fixed (8 tahun pertama, bunga 11.5%) sekitar Rp 15.247.034. Setelah masa fixed, cicilan estimasi Rp 15.247.034 dengan bunga floating ~11.5%.
Berapa total bunga yang dibayar untuk KPR Rp 1,5 miliar 25 tahun di BPR Surya Yudha?
Total bunga estimasi sekitar Rp 3.074.110.342 sepanjang tenor 25 tahun. Total dibayar (pokok + bunga) sekitar Rp 4.574.110.342. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR BPR Surya Yudha?
BPR Surya Yudha mensyaratkan DP minimum 25% 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 Surya Yudhakencana 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 Surya Yudha untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 1,5 miliar 25 tahun)
- Simulasi KPR BCA Rp 1,5 miliar 25 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 1,5 miliar 25 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 1,5 miliar 25 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 1,5 miliar 25 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 1,5 miliar 25 tahun (fixed 5%)
Skenario lain BPR Surya Yudha
- KPR BPR Surya Yudha Rp 200 juta tenor 25 tahun
- KPR BPR Surya Yudha Rp 300 juta tenor 25 tahun
- KPR BPR Surya Yudha Rp 500 juta tenor 25 tahun
- KPR BPR Surya Yudha Rp 750 juta tenor 25 tahun
- KPR BPR Surya Yudha Rp 1,5 miliar tenor 5 tahun
- KPR BPR Surya Yudha Rp 1,5 miliar tenor 10 tahun
- KPR BPR Surya Yudha Rp 1,5 miliar tenor 15 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi BPR Surya Yudha. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.