Simulasi KPR BSI Rp 300 juta Tenor 10 tahun

Hitung cicilan KPR BSI untuk pinjaman Rp 300 juta dengan tenor 10 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 3.406.439/bulan

Lalu cicilan estimasi tahun floating: Rp 3.406.439/bulan

Sesuaikan parameter

Simulasi memakai parameter BSI Griya Hasanah (Murabahah). Silakan ubah angka di bawah untuk skenario Anda.

Harga rumah

Uang muka (DP)

Minimum 10%. Rp 80.000.000.Tenor total

Maksimum 30 tahun.Margin tetap (per tahun)

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 300 juta 10 tahun

Pokok pinjaman	Rp 300.000.000
Bunga fixed	6,5% selama 30 tahun
Bunga floating estimasi	6,5%
Tenor total	10 tahun (120 bulan)
Cicilan tahun fixed	Rp 3.406.439/bulan
Cicilan estimasi tahun floating	Rp 3.406.439/bulan
Total bunga sepanjang tenor	Rp 108.772.718
Total dibayar	Rp 408.772.718

Pertimbangan untuk pinjaman Rp 300 juta

Pinjaman Rp 300 juta dengan tenor 10 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 10.219.318/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:

DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 375.000.000 bisa menghemat sekitar Rp 10.877.272 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 300 juta 10 tahun?

Untuk pinjaman Rp 300 juta dengan tenor 10 tahun, cicilan tahun fixed (30 tahun pertama, bunga 6.5%) sekitar Rp 3.406.439. Setelah masa fixed, cicilan estimasi Rp 3.406.439 dengan bunga floating ~6.5%.

Berapa total bunga yang dibayar untuk KPR Rp 300 juta 10 tahun di BSI?

Total bunga estimasi sekitar Rp 108.772.718 sepanjang tenor 10 tahun. Total dibayar (pokok + bunga) sekitar Rp 408.772.718. 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.