Simulasi KPR BPR Surya Yudha Rp 1 miliar Tenor 20 tahun
Hitung cicilan KPR BPR Surya Yudha untuk pinjaman Rp 1 miliar dengan tenor 20 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 10.664.296/bulan
Lalu cicilan estimasi tahun floating: Rp 10.664.296/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 miliar 20 tahun
| Pokok pinjaman | Rp 1.000.000.000 |
| Bunga fixed | 11,5% selama 8 tahun |
| Bunga floating estimasi | 11,5% |
| Tenor total | 20 tahun (240 bulan) |
| Cicilan tahun fixed | Rp 10.664.296/bulan |
| Cicilan estimasi tahun floating | Rp 10.664.296/bulan |
| Total bunga sepanjang tenor | Rp 1.559.431.116 |
| Total dibayar | Rp 2.559.431.116 |
Pertimbangan untuk pinjaman Rp 1 miliar
Pinjaman Rp 1 miliar dengan tenor 20 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 31.992.889/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 155.943.112 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 miliar 20 tahun?
Untuk pinjaman Rp 1 miliar dengan tenor 20 tahun, cicilan tahun fixed (8 tahun pertama, bunga 11.5%) sekitar Rp 10.664.296. Setelah masa fixed, cicilan estimasi Rp 10.664.296 dengan bunga floating ~11.5%.
Berapa total bunga yang dibayar untuk KPR Rp 1 miliar 20 tahun di BPR Surya Yudha?
Total bunga estimasi sekitar Rp 1.559.431.116 sepanjang tenor 20 tahun. Total dibayar (pokok + bunga) sekitar Rp 2.559.431.116. 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 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 Surya Yudha
- KPR BPR Surya Yudha Rp 200 juta tenor 20 tahun
- KPR BPR Surya Yudha Rp 300 juta tenor 20 tahun
- KPR BPR Surya Yudha Rp 500 juta tenor 20 tahun
- KPR BPR Surya Yudha Rp 750 juta tenor 20 tahun
- KPR BPR Surya Yudha Rp 1 miliar tenor 5 tahun
- KPR BPR Surya Yudha Rp 1 miliar tenor 10 tahun
- KPR BPR Surya Yudha Rp 1 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.