Simulasi KPR BSI Rp 1,5 miliar Tenor 20 tahun
Hitung cicilan KPR BSI untuk pinjaman Rp 1,5 miliar dengan tenor 20 tahun. Pakai parameter rate card publik PT Bank Syariah Indonesia Tbk.
Data per 02-05-2026 · Sumber: Rate card publik BSI
Cicilan tahun fixed (30 tahun pertama)
Rp 11.183.597/bulan
Lalu cicilan estimasi tahun floating: Rp 11.183.597/bulan
Sesuaikan parameter
Simulasi memakai parameter BSI Griya Hasanah (Murabahah). Silakan ubah angka di bawah untuk skenario Anda.
Pokok pinjaman
Rp 720.000.000
Uang muka (DP)
Rp 80.000.000 (10%)
Cicilan bulanan (tetap selama tenor)
Rp 6.271.973
Total bunga / margin dibayar
Rp 408.955.145
Total dibayar (pokok + bunga)
Rp 1.128.955.145
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 6.271.973 | Rp 2.371.973 | Rp 3.900.000 | Rp 717.628.027 | fixed |
| 2 | Rp 6.271.973 | Rp 2.384.821 | Rp 3.887.152 | Rp 715.243.206 | fixed |
| 3 | Rp 6.271.973 | Rp 2.397.739 | Rp 3.874.234 | Rp 712.845.467 | fixed |
| 4 | Rp 6.271.973 | Rp 2.410.727 | Rp 3.861.246 | Rp 710.434.740 | fixed |
| 5 | Rp 6.271.973 | Rp 2.423.785 | Rp 3.848.188 | Rp 708.010.955 | fixed |
| 6 | Rp 6.271.973 | Rp 2.436.914 | Rp 3.835.059 | Rp 705.574.041 | fixed |
| 7 | Rp 6.271.973 | Rp 2.450.114 | Rp 3.821.859 | Rp 703.123.928 | fixed |
| 8 | Rp 6.271.973 | Rp 2.463.385 | Rp 3.808.588 | Rp 700.660.543 | fixed |
| 9 | Rp 6.271.973 | Rp 2.476.728 | Rp 3.795.245 | Rp 698.183.814 | fixed |
| 10 | Rp 6.271.973 | Rp 2.490.144 | Rp 3.781.829 | Rp 695.693.670 | fixed |
| 11 | Rp 6.271.973 | Rp 2.503.632 | Rp 3.768.341 | Rp 693.190.038 | fixed |
| 12 | Rp 6.271.973 | Rp 2.517.194 | Rp 3.754.779 | Rp 690.672.844 | fixed |
| 13 | Rp 6.271.973 | Rp 2.530.828 | Rp 3.741.145 | Rp 688.142.016 | fixed |
| 14 | Rp 6.271.973 | Rp 2.544.537 | Rp 3.727.436 | Rp 685.597.479 | fixed |
| 15 | Rp 6.271.973 | Rp 2.558.320 | Rp 3.713.653 | Rp 683.039.159 | fixed |
| 16 | Rp 6.271.973 | Rp 2.572.178 | Rp 3.699.795 | Rp 680.466.981 | fixed |
| 17 | Rp 6.271.973 | Rp 2.586.110 | Rp 3.685.863 | Rp 677.880.871 | fixed |
| 18 | Rp 6.271.973 | Rp 2.600.118 | Rp 3.671.855 | Rp 675.280.753 | fixed |
| 19 | Rp 6.271.973 | Rp 2.614.202 | Rp 3.657.771 | Rp 672.666.550 | fixed |
| 20 | Rp 6.271.973 | Rp 2.628.363 | Rp 3.643.610 | Rp 670.038.188 | fixed |
| 21 | Rp 6.271.973 | Rp 2.642.600 | Rp 3.629.374 | Rp 667.395.588 | fixed |
| 22 | Rp 6.271.973 | Rp 2.656.914 | Rp 3.615.059 | Rp 664.738.675 | fixed |
| 23 | Rp 6.271.973 | Rp 2.671.305 | Rp 3.600.668 | Rp 662.067.369 | fixed |
| 24 | Rp 6.271.973 | Rp 2.685.775 | Rp 3.586.198 | Rp 659.381.595 | fixed |
| 25 | Rp 6.271.973 | Rp 2.700.323 | Rp 3.571.650 | Rp 656.681.272 | fixed |
| 26 | Rp 6.271.973 | Rp 2.714.949 | Rp 3.557.024 | Rp 653.966.322 | fixed |
| 27 | Rp 6.271.973 | Rp 2.729.655 | Rp 3.542.318 | Rp 651.236.667 | fixed |
| 28 | Rp 6.271.973 | Rp 2.744.441 | Rp 3.527.532 | Rp 648.492.226 | fixed |
| 29 | Rp 6.271.973 | Rp 2.759.307 | Rp 3.512.666 | Rp 645.732.919 | fixed |
| 30 | Rp 6.271.973 | Rp 2.774.253 | Rp 3.497.720 | Rp 642.958.666 | fixed |
| 31 | Rp 6.271.973 | Rp 2.789.280 | Rp 3.482.693 | Rp 640.169.386 | fixed |
| 32 | Rp 6.271.973 | Rp 2.804.389 | Rp 3.467.584 | Rp 637.364.997 | fixed |
| 33 | Rp 6.271.973 | Rp 2.819.579 | Rp 3.452.394 | Rp 634.545.418 | fixed |
| 34 | Rp 6.271.973 | Rp 2.834.852 | Rp 3.437.121 | Rp 631.710.566 | fixed |
| 35 | Rp 6.271.973 | Rp 2.850.207 | Rp 3.421.766 | Rp 628.860.358 | fixed |
| 36 | Rp 6.271.973 | Rp 2.865.646 | Rp 3.406.327 | Rp 625.994.712 | fixed |
| 37 | Rp 6.271.973 | Rp 2.881.168 | Rp 3.390.805 | Rp 623.113.544 | fixed |
| 38 | Rp 6.271.973 | Rp 2.896.775 | Rp 3.375.198 | Rp 620.216.769 | fixed |
| 39 | Rp 6.271.973 | Rp 2.912.466 | Rp 3.359.507 | Rp 617.304.304 | fixed |
| 40 | Rp 6.271.973 | Rp 2.928.241 | Rp 3.343.732 | Rp 614.376.062 | fixed |
| 41 | Rp 6.271.973 | Rp 2.944.103 | Rp 3.327.870 | Rp 611.431.959 | fixed |
| 42 | Rp 6.271.973 | Rp 2.960.050 | Rp 3.311.923 | Rp 608.471.910 | fixed |
| 43 | Rp 6.271.973 | Rp 2.976.084 | Rp 3.295.890 | Rp 605.495.826 | fixed |
| 44 | Rp 6.271.973 | Rp 2.992.204 | Rp 3.279.769 | Rp 602.503.622 | fixed |
| 45 | Rp 6.271.973 | Rp 3.008.412 | Rp 3.263.561 | Rp 599.495.210 | fixed |
| 46 | Rp 6.271.973 | Rp 3.024.707 | Rp 3.247.266 | Rp 596.470.503 | fixed |
| 47 | Rp 6.271.973 | Rp 3.041.091 | Rp 3.230.882 | Rp 593.429.412 | fixed |
| 48 | Rp 6.271.973 | Rp 3.057.564 | Rp 3.214.409 | Rp 590.371.848 | fixed |
| 49 | Rp 6.271.973 | Rp 3.074.126 | Rp 3.197.848 | Rp 587.297.723 | fixed |
| 50 | Rp 6.271.973 | Rp 3.090.777 | Rp 3.181.196 | Rp 584.206.946 | fixed |
| 51 | Rp 6.271.973 | Rp 3.107.519 | Rp 3.164.454 | Rp 581.099.427 | fixed |
| 52 | Rp 6.271.973 | Rp 3.124.351 | Rp 3.147.622 | Rp 577.975.076 | fixed |
| 53 | Rp 6.271.973 | Rp 3.141.275 | Rp 3.130.698 | Rp 574.833.801 | fixed |
| 54 | Rp 6.271.973 | Rp 3.158.290 | Rp 3.113.683 | Rp 571.675.511 | fixed |
| 55 | Rp 6.271.973 | Rp 3.175.397 | Rp 3.096.576 | Rp 568.500.114 | fixed |
| 56 | Rp 6.271.973 | Rp 3.192.597 | Rp 3.079.376 | Rp 565.307.516 | fixed |
| 57 | Rp 6.271.973 | Rp 3.209.891 | Rp 3.062.082 | Rp 562.097.626 | fixed |
| 58 | Rp 6.271.973 | Rp 3.227.278 | Rp 3.044.695 | Rp 558.870.348 | fixed |
| 59 | Rp 6.271.973 | Rp 3.244.759 | Rp 3.027.214 | Rp 555.625.589 | fixed |
| 60 | Rp 6.271.973 | Rp 3.262.334 | Rp 3.009.639 | Rp 552.363.255 | fixed |
| 61 | Rp 6.271.973 | Rp 3.280.005 | Rp 2.991.968 | Rp 549.083.250 | fixed |
| 62 | Rp 6.271.973 | Rp 3.297.772 | Rp 2.974.201 | Rp 545.785.478 | fixed |
| 63 | Rp 6.271.973 | Rp 3.315.635 | Rp 2.956.338 | Rp 542.469.843 | fixed |
| 64 | Rp 6.271.973 | Rp 3.333.595 | Rp 2.938.378 | Rp 539.136.248 | fixed |
| 65 | Rp 6.271.973 | Rp 3.351.652 | Rp 2.920.321 | Rp 535.784.596 | fixed |
| 66 | Rp 6.271.973 | Rp 3.369.806 | Rp 2.902.167 | Rp 532.414.790 | fixed |
| 67 | Rp 6.271.973 | Rp 3.388.060 | Rp 2.883.913 | Rp 529.026.730 | fixed |
| 68 | Rp 6.271.973 | Rp 3.406.412 | Rp 2.865.561 | Rp 525.620.318 | fixed |
| 69 | Rp 6.271.973 | Rp 3.424.863 | Rp 2.847.110 | Rp 522.195.456 | fixed |
| 70 | Rp 6.271.973 | Rp 3.443.414 | Rp 2.828.559 | Rp 518.752.041 | fixed |
| 71 | Rp 6.271.973 | Rp 3.462.066 | Rp 2.809.907 | Rp 515.289.975 | fixed |
| 72 | Rp 6.271.973 | Rp 3.480.819 | Rp 2.791.154 | Rp 511.809.156 | fixed |
| 73 | Rp 6.271.973 | Rp 3.499.673 | Rp 2.772.300 | Rp 508.309.483 | fixed |
| 74 | Rp 6.271.973 | Rp 3.518.630 | Rp 2.753.343 | Rp 504.790.853 | fixed |
| 75 | Rp 6.271.973 | Rp 3.537.689 | Rp 2.734.284 | Rp 501.253.163 | fixed |
| 76 | Rp 6.271.973 | Rp 3.556.852 | Rp 2.715.121 | Rp 497.696.312 | fixed |
| 77 | Rp 6.271.973 | Rp 3.576.118 | Rp 2.695.855 | Rp 494.120.194 | fixed |
| 78 | Rp 6.271.973 | Rp 3.595.489 | Rp 2.676.484 | Rp 490.524.705 | fixed |
| 79 | Rp 6.271.973 | Rp 3.614.964 | Rp 2.657.009 | Rp 486.909.741 | fixed |
| 80 | Rp 6.271.973 | Rp 3.634.545 | Rp 2.637.428 | Rp 483.275.196 | fixed |
| 81 | Rp 6.271.973 | Rp 3.654.232 | Rp 2.617.741 | Rp 479.620.963 | fixed |
| 82 | Rp 6.271.973 | Rp 3.674.026 | Rp 2.597.947 | Rp 475.946.937 | fixed |
| 83 | Rp 6.271.973 | Rp 3.693.927 | Rp 2.578.046 | Rp 472.253.010 | fixed |
| 84 | Rp 6.271.973 | Rp 3.713.936 | Rp 2.558.037 | Rp 468.539.074 | fixed |
| 85 | Rp 6.271.973 | Rp 3.734.053 | Rp 2.537.920 | Rp 464.805.021 | fixed |
| 86 | Rp 6.271.973 | Rp 3.754.279 | Rp 2.517.694 | Rp 461.050.742 | fixed |
| 87 | Rp 6.271.973 | Rp 3.774.615 | Rp 2.497.358 | Rp 457.276.127 | fixed |
| 88 | Rp 6.271.973 | Rp 3.795.061 | Rp 2.476.912 | Rp 453.481.066 | fixed |
| 89 | Rp 6.271.973 | Rp 3.815.617 | Rp 2.456.356 | Rp 449.665.449 | fixed |
| 90 | Rp 6.271.973 | Rp 3.836.285 | Rp 2.435.688 | Rp 445.829.164 | fixed |
| 91 | Rp 6.271.973 | Rp 3.857.065 | Rp 2.414.908 | Rp 441.972.099 | fixed |
| 92 | Rp 6.271.973 | Rp 3.877.957 | Rp 2.394.016 | Rp 438.094.141 | fixed |
| 93 | Rp 6.271.973 | Rp 3.898.963 | Rp 2.373.010 | Rp 434.195.178 | fixed |
| 94 | Rp 6.271.973 | Rp 3.920.082 | Rp 2.351.891 | Rp 430.275.096 | fixed |
| 95 | Rp 6.271.973 | Rp 3.941.316 | Rp 2.330.657 | Rp 426.333.779 | fixed |
| 96 | Rp 6.271.973 | Rp 3.962.665 | Rp 2.309.308 | Rp 422.371.114 | fixed |
| 97 | Rp 6.271.973 | Rp 3.984.129 | Rp 2.287.844 | Rp 418.386.985 | fixed |
| 98 | Rp 6.271.973 | Rp 4.005.710 | Rp 2.266.263 | Rp 414.381.275 | fixed |
| 99 | Rp 6.271.973 | Rp 4.027.408 | Rp 2.244.565 | Rp 410.353.867 | fixed |
| 100 | Rp 6.271.973 | Rp 4.049.223 | Rp 2.222.750 | Rp 406.304.644 | fixed |
| 101 | Rp 6.271.973 | Rp 4.071.156 | Rp 2.200.817 | Rp 402.233.488 | fixed |
| 102 | Rp 6.271.973 | Rp 4.093.208 | Rp 2.178.765 | Rp 398.140.279 | fixed |
| 103 | Rp 6.271.973 | Rp 4.115.380 | Rp 2.156.593 | Rp 394.024.900 | fixed |
| 104 | Rp 6.271.973 | Rp 4.137.671 | Rp 2.134.302 | Rp 389.887.228 | fixed |
| 105 | Rp 6.271.973 | Rp 4.160.084 | Rp 2.111.889 | Rp 385.727.144 | fixed |
| 106 | Rp 6.271.973 | Rp 4.182.618 | Rp 2.089.355 | Rp 381.544.527 | fixed |
| 107 | Rp 6.271.973 | Rp 4.205.274 | Rp 2.066.700 | Rp 377.339.253 | fixed |
| 108 | Rp 6.271.973 | Rp 4.228.052 | Rp 2.043.921 | Rp 373.111.201 | fixed |
| 109 | Rp 6.271.973 | Rp 4.250.954 | Rp 2.021.019 | Rp 368.860.247 | fixed |
| 110 | Rp 6.271.973 | Rp 4.273.980 | Rp 1.997.993 | Rp 364.586.267 | fixed |
| 111 | Rp 6.271.973 | Rp 4.297.131 | Rp 1.974.842 | Rp 360.289.136 | fixed |
| 112 | Rp 6.271.973 | Rp 4.320.407 | Rp 1.951.566 | Rp 355.968.729 | fixed |
| 113 | Rp 6.271.973 | Rp 4.343.809 | Rp 1.928.164 | Rp 351.624.920 | fixed |
| 114 | Rp 6.271.973 | Rp 4.367.338 | Rp 1.904.635 | Rp 347.257.582 | fixed |
| 115 | Rp 6.271.973 | Rp 4.390.994 | Rp 1.880.979 | Rp 342.866.588 | fixed |
| 116 | Rp 6.271.973 | Rp 4.414.779 | Rp 1.857.194 | Rp 338.451.809 | fixed |
| 117 | Rp 6.271.973 | Rp 4.438.692 | Rp 1.833.281 | Rp 334.013.116 | fixed |
| 118 | Rp 6.271.973 | Rp 4.462.735 | Rp 1.809.238 | Rp 329.550.381 | fixed |
| 119 | Rp 6.271.973 | Rp 4.486.908 | Rp 1.785.065 | Rp 325.063.473 | fixed |
| 120 | Rp 6.271.973 | Rp 4.511.213 | Rp 1.760.760 | Rp 320.552.260 | fixed |
| 121 | Rp 6.271.973 | Rp 4.535.648 | Rp 1.736.325 | Rp 316.016.612 | fixed |
| 122 | Rp 6.271.973 | Rp 4.560.216 | Rp 1.711.757 | Rp 311.456.395 | fixed |
| 123 | Rp 6.271.973 | Rp 4.584.918 | Rp 1.687.055 | Rp 306.871.478 | fixed |
| 124 | Rp 6.271.973 | Rp 4.609.753 | Rp 1.662.221 | Rp 302.261.725 | fixed |
| 125 | Rp 6.271.973 | Rp 4.634.722 | Rp 1.637.251 | Rp 297.627.003 | fixed |
| 126 | Rp 6.271.973 | Rp 4.659.827 | Rp 1.612.146 | Rp 292.967.176 | fixed |
| 127 | Rp 6.271.973 | Rp 4.685.067 | Rp 1.586.906 | Rp 288.282.109 | fixed |
| 128 | Rp 6.271.973 | Rp 4.710.445 | Rp 1.561.528 | Rp 283.571.664 | fixed |
| 129 | Rp 6.271.973 | Rp 4.735.960 | Rp 1.536.013 | Rp 278.835.704 | fixed |
| 130 | Rp 6.271.973 | Rp 4.761.613 | Rp 1.510.360 | Rp 274.074.091 | fixed |
| 131 | Rp 6.271.973 | Rp 4.787.405 | Rp 1.484.568 | Rp 269.286.686 | fixed |
| 132 | Rp 6.271.973 | Rp 4.813.337 | Rp 1.458.636 | Rp 264.473.349 | fixed |
| 133 | Rp 6.271.973 | Rp 4.839.409 | Rp 1.432.564 | Rp 259.633.940 | fixed |
| 134 | Rp 6.271.973 | Rp 4.865.623 | Rp 1.406.351 | Rp 254.768.318 | fixed |
| 135 | Rp 6.271.973 | Rp 4.891.978 | Rp 1.379.995 | Rp 249.876.340 | fixed |
| 136 | Rp 6.271.973 | Rp 4.918.476 | Rp 1.353.497 | Rp 244.957.864 | fixed |
| 137 | Rp 6.271.973 | Rp 4.945.118 | Rp 1.326.855 | Rp 240.012.746 | fixed |
| 138 | Rp 6.271.973 | Rp 4.971.904 | Rp 1.300.069 | Rp 235.040.842 | fixed |
| 139 | Rp 6.271.973 | Rp 4.998.835 | Rp 1.273.138 | Rp 230.042.007 | fixed |
| 140 | Rp 6.271.973 | Rp 5.025.912 | Rp 1.246.061 | Rp 225.016.094 | fixed |
| 141 | Rp 6.271.973 | Rp 5.053.136 | Rp 1.218.837 | Rp 219.962.959 | fixed |
| 142 | Rp 6.271.973 | Rp 5.080.507 | Rp 1.191.466 | Rp 214.882.451 | fixed |
| 143 | Rp 6.271.973 | Rp 5.108.026 | Rp 1.163.947 | Rp 209.774.425 | fixed |
| 144 | Rp 6.271.973 | Rp 5.135.695 | Rp 1.136.278 | Rp 204.638.730 | fixed |
| 145 | Rp 6.271.973 | Rp 5.163.513 | Rp 1.108.460 | Rp 199.475.217 | fixed |
| 146 | Rp 6.271.973 | Rp 5.191.482 | Rp 1.080.491 | Rp 194.283.735 | fixed |
| 147 | Rp 6.271.973 | Rp 5.219.603 | Rp 1.052.370 | Rp 189.064.132 | fixed |
| 148 | Rp 6.271.973 | Rp 5.247.876 | Rp 1.024.097 | Rp 183.816.256 | fixed |
| 149 | Rp 6.271.973 | Rp 5.276.302 | Rp 995.671 | Rp 178.539.955 | fixed |
| 150 | Rp 6.271.973 | Rp 5.304.882 | Rp 967.091 | Rp 173.235.073 | fixed |
| 151 | Rp 6.271.973 | Rp 5.333.616 | Rp 938.357 | Rp 167.901.457 | fixed |
| 152 | Rp 6.271.973 | Rp 5.362.507 | Rp 909.466 | Rp 162.538.950 | fixed |
| 153 | Rp 6.271.973 | Rp 5.391.554 | Rp 880.419 | Rp 157.147.396 | fixed |
| 154 | Rp 6.271.973 | Rp 5.420.758 | Rp 851.215 | Rp 151.726.638 | fixed |
| 155 | Rp 6.271.973 | Rp 5.450.120 | Rp 821.853 | Rp 146.276.518 | fixed |
| 156 | Rp 6.271.973 | Rp 5.479.642 | Rp 792.331 | Rp 140.796.876 | fixed |
| 157 | Rp 6.271.973 | Rp 5.509.323 | Rp 762.650 | Rp 135.287.553 | fixed |
| 158 | Rp 6.271.973 | Rp 5.539.165 | Rp 732.808 | Rp 129.748.387 | fixed |
| 159 | Rp 6.271.973 | Rp 5.569.169 | Rp 702.804 | Rp 124.179.218 | fixed |
| 160 | Rp 6.271.973 | Rp 5.599.336 | Rp 672.637 | Rp 118.579.882 | fixed |
| 161 | Rp 6.271.973 | Rp 5.629.665 | Rp 642.308 | Rp 112.950.217 | fixed |
| 162 | Rp 6.271.973 | Rp 5.660.159 | Rp 611.814 | Rp 107.290.057 | fixed |
| 163 | Rp 6.271.973 | Rp 5.690.819 | Rp 581.154 | Rp 101.599.239 | fixed |
| 164 | Rp 6.271.973 | Rp 5.721.644 | Rp 550.329 | Rp 95.877.595 | fixed |
| 165 | Rp 6.271.973 | Rp 5.752.636 | Rp 519.337 | Rp 90.124.959 | fixed |
| 166 | Rp 6.271.973 | Rp 5.783.796 | Rp 488.177 | Rp 84.341.163 | fixed |
| 167 | Rp 6.271.973 | Rp 5.815.125 | Rp 456.848 | Rp 78.526.038 | fixed |
| 168 | Rp 6.271.973 | Rp 5.846.624 | Rp 425.349 | Rp 72.679.414 | fixed |
| 169 | Rp 6.271.973 | Rp 5.878.293 | Rp 393.680 | Rp 66.801.121 | fixed |
| 170 | Rp 6.271.973 | Rp 5.910.134 | Rp 361.839 | Rp 60.890.988 | fixed |
| 171 | Rp 6.271.973 | Rp 5.942.147 | Rp 329.826 | Rp 54.948.841 | fixed |
| 172 | Rp 6.271.973 | Rp 5.974.333 | Rp 297.640 | Rp 48.974.507 | fixed |
| 173 | Rp 6.271.973 | Rp 6.006.694 | Rp 265.279 | Rp 42.967.813 | fixed |
| 174 | Rp 6.271.973 | Rp 6.039.231 | Rp 232.742 | Rp 36.928.582 | fixed |
| 175 | Rp 6.271.973 | Rp 6.071.943 | Rp 200.030 | Rp 30.856.639 | fixed |
| 176 | Rp 6.271.973 | Rp 6.104.833 | Rp 167.140 | Rp 24.751.806 | fixed |
| 177 | Rp 6.271.973 | Rp 6.137.901 | Rp 134.072 | Rp 18.613.905 | fixed |
| 178 | Rp 6.271.973 | Rp 6.171.148 | Rp 100.825 | Rp 12.442.758 | fixed |
| 179 | Rp 6.271.973 | Rp 6.204.575 | Rp 67.398 | Rp 6.238.183 | fixed |
| 180 | Rp 6.271.973 | Rp 6.238.183 | Rp 33.790 | Rp 0 | fixed |
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 BSI Rp 1,5 miliar 20 tahun
| Pokok pinjaman | Rp 1.500.000.000 |
| Bunga fixed | 6,5% selama 30 tahun |
| Bunga floating estimasi | 6,5% |
| Tenor total | 20 tahun (240 bulan) |
| Cicilan tahun fixed | Rp 11.183.597/bulan |
| Cicilan estimasi tahun floating | Rp 11.183.597/bulan |
| Total bunga sepanjang tenor | Rp 1.184.063.288 |
| Total dibayar | Rp 2.684.063.288 |
Pertimbangan untuk pinjaman Rp 1,5 miliar
Pinjaman Rp 1,5 miliar dengan tenor 20 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 33.550.791/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 118.406.329 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 BSI
Akad Murabahah, sesuai Fatwa DSN-MUI No. 04/DSN-MUI/IV/2000. Sumber rate card: https://www.bankbsi.co.id/produk/griya-hasanah-bsi.
Pertanyaan yang sering diajukan
Berapa cicilan KPR BSI Rp 1,5 miliar 20 tahun?
Untuk pinjaman Rp 1,5 miliar dengan tenor 20 tahun, cicilan tahun fixed (30 tahun pertama, bunga 6.5%) sekitar Rp 11.183.597. Setelah masa fixed, cicilan estimasi Rp 11.183.597 dengan bunga floating ~6.5%.
Berapa total bunga yang dibayar untuk KPR Rp 1,5 miliar 20 tahun di BSI?
Total bunga estimasi sekitar Rp 1.184.063.288 sepanjang tenor 20 tahun. Total dibayar (pokok + bunga) sekitar Rp 2.684.063.288. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR BSI?
BSI mensyaratkan DP minimum 10% 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 Bank Syariah Indonesia Tbk 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 BSI untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 1,5 miliar 20 tahun)
- Simulasi KPR BCA Rp 1,5 miliar 20 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 1,5 miliar 20 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 1,5 miliar 20 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 1,5 miliar 20 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 1,5 miliar 20 tahun (fixed 5%)
Skenario lain BSI
- KPR BSI Rp 200 juta tenor 20 tahun
- KPR BSI Rp 300 juta tenor 20 tahun
- KPR BSI Rp 500 juta tenor 20 tahun
- KPR BSI Rp 750 juta tenor 20 tahun
- KPR BSI Rp 1,5 miliar tenor 5 tahun
- KPR BSI Rp 1,5 miliar tenor 10 tahun
- KPR BSI Rp 1,5 miliar tenor 15 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi BSI. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.