Simulasi KPR BTN Syariah
PT Bank Tabungan Negara (Persero) Tbk - UUS
Hitung cicilan BTN Platinum iB Syariah dengan parameter rate card publik per 02-05-2026. Anda bisa ubah angka sesuai negosiasi atau promo aktif.
Data per 02-05-2026 · Sumber: Rate card publik BTN Syariah
Simulasi memakai parameter BTN Platinum iB Syariah. 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 6.471.564
Total bunga / margin dibayar
Rp 444.881.439
Total dibayar (pokok + bunga)
Rp 1.164.881.439
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 6.471.564 | Rp 2.271.564 | Rp 4.200.000 | Rp 717.728.436 | fixed |
| 2 | Rp 6.471.564 | Rp 2.284.814 | Rp 4.186.749 | Rp 715.443.622 | fixed |
| 3 | Rp 6.471.564 | Rp 2.298.142 | Rp 4.173.421 | Rp 713.145.480 | fixed |
| 4 | Rp 6.471.564 | Rp 2.311.548 | Rp 4.160.015 | Rp 710.833.931 | fixed |
| 5 | Rp 6.471.564 | Rp 2.325.032 | Rp 4.146.531 | Rp 708.508.899 | fixed |
| 6 | Rp 6.471.564 | Rp 2.338.595 | Rp 4.132.969 | Rp 706.170.304 | fixed |
| 7 | Rp 6.471.564 | Rp 2.352.237 | Rp 4.119.327 | Rp 703.818.067 | fixed |
| 8 | Rp 6.471.564 | Rp 2.365.958 | Rp 4.105.605 | Rp 701.452.109 | fixed |
| 9 | Rp 6.471.564 | Rp 2.379.760 | Rp 4.091.804 | Rp 699.072.350 | fixed |
| 10 | Rp 6.471.564 | Rp 2.393.642 | Rp 4.077.922 | Rp 696.678.708 | fixed |
| 11 | Rp 6.471.564 | Rp 2.407.604 | Rp 4.063.959 | Rp 694.271.104 | fixed |
| 12 | Rp 6.471.564 | Rp 2.421.649 | Rp 4.049.915 | Rp 691.849.455 | fixed |
| 13 | Rp 6.471.564 | Rp 2.435.775 | Rp 4.035.788 | Rp 689.413.680 | fixed |
| 14 | Rp 6.471.564 | Rp 2.449.984 | Rp 4.021.580 | Rp 686.963.696 | fixed |
| 15 | Rp 6.471.564 | Rp 2.464.275 | Rp 4.007.288 | Rp 684.499.421 | fixed |
| 16 | Rp 6.471.564 | Rp 2.478.650 | Rp 3.992.913 | Rp 682.020.771 | fixed |
| 17 | Rp 6.471.564 | Rp 2.493.109 | Rp 3.978.454 | Rp 679.527.662 | fixed |
| 18 | Rp 6.471.564 | Rp 2.507.652 | Rp 3.963.911 | Rp 677.020.009 | fixed |
| 19 | Rp 6.471.564 | Rp 2.522.280 | Rp 3.949.283 | Rp 674.497.729 | fixed |
| 20 | Rp 6.471.564 | Rp 2.536.993 | Rp 3.934.570 | Rp 671.960.736 | fixed |
| 21 | Rp 6.471.564 | Rp 2.551.793 | Rp 3.919.771 | Rp 669.408.943 | fixed |
| 22 | Rp 6.471.564 | Rp 2.566.678 | Rp 3.904.886 | Rp 666.842.265 | fixed |
| 23 | Rp 6.471.564 | Rp 2.581.650 | Rp 3.889.913 | Rp 664.260.615 | fixed |
| 24 | Rp 6.471.564 | Rp 2.596.710 | Rp 3.874.854 | Rp 661.663.905 | fixed |
| 25 | Rp 6.471.564 | Rp 2.611.857 | Rp 3.859.706 | Rp 659.052.047 | fixed |
| 26 | Rp 6.471.564 | Rp 2.627.093 | Rp 3.844.470 | Rp 656.424.954 | fixed |
| 27 | Rp 6.471.564 | Rp 2.642.418 | Rp 3.829.146 | Rp 653.782.536 | fixed |
| 28 | Rp 6.471.564 | Rp 2.657.832 | Rp 3.813.731 | Rp 651.124.704 | fixed |
| 29 | Rp 6.471.564 | Rp 2.673.336 | Rp 3.798.227 | Rp 648.451.368 | fixed |
| 30 | Rp 6.471.564 | Rp 2.688.931 | Rp 3.782.633 | Rp 645.762.437 | fixed |
| 31 | Rp 6.471.564 | Rp 2.704.616 | Rp 3.766.948 | Rp 643.057.821 | fixed |
| 32 | Rp 6.471.564 | Rp 2.720.393 | Rp 3.751.171 | Rp 640.337.428 | fixed |
| 33 | Rp 6.471.564 | Rp 2.736.262 | Rp 3.735.302 | Rp 637.601.166 | fixed |
| 34 | Rp 6.471.564 | Rp 2.752.223 | Rp 3.719.340 | Rp 634.848.943 | fixed |
| 35 | Rp 6.471.564 | Rp 2.768.278 | Rp 3.703.286 | Rp 632.080.665 | fixed |
| 36 | Rp 6.471.564 | Rp 2.784.426 | Rp 3.687.137 | Rp 629.296.239 | fixed |
| 37 | Rp 6.471.564 | Rp 2.800.669 | Rp 3.670.895 | Rp 626.495.570 | fixed |
| 38 | Rp 6.471.564 | Rp 2.817.006 | Rp 3.654.557 | Rp 623.678.564 | fixed |
| 39 | Rp 6.471.564 | Rp 2.833.439 | Rp 3.638.125 | Rp 620.845.125 | fixed |
| 40 | Rp 6.471.564 | Rp 2.849.967 | Rp 3.621.597 | Rp 617.995.158 | fixed |
| 41 | Rp 6.471.564 | Rp 2.866.592 | Rp 3.604.972 | Rp 615.128.566 | fixed |
| 42 | Rp 6.471.564 | Rp 2.883.314 | Rp 3.588.250 | Rp 612.245.253 | fixed |
| 43 | Rp 6.471.564 | Rp 2.900.133 | Rp 3.571.431 | Rp 609.345.120 | fixed |
| 44 | Rp 6.471.564 | Rp 2.917.050 | Rp 3.554.513 | Rp 606.428.070 | fixed |
| 45 | Rp 6.471.564 | Rp 2.934.066 | Rp 3.537.497 | Rp 603.494.003 | fixed |
| 46 | Rp 6.471.564 | Rp 2.951.182 | Rp 3.520.382 | Rp 600.542.821 | fixed |
| 47 | Rp 6.471.564 | Rp 2.968.397 | Rp 3.503.166 | Rp 597.574.424 | fixed |
| 48 | Rp 6.471.564 | Rp 2.985.713 | Rp 3.485.851 | Rp 594.588.711 | fixed |
| 49 | Rp 6.471.564 | Rp 3.003.129 | Rp 3.468.434 | Rp 591.585.582 | fixed |
| 50 | Rp 6.471.564 | Rp 3.020.648 | Rp 3.450.916 | Rp 588.564.934 | fixed |
| 51 | Rp 6.471.564 | Rp 3.038.268 | Rp 3.433.295 | Rp 585.526.666 | fixed |
| 52 | Rp 6.471.564 | Rp 3.055.991 | Rp 3.415.572 | Rp 582.470.675 | fixed |
| 53 | Rp 6.471.564 | Rp 3.073.818 | Rp 3.397.746 | Rp 579.396.857 | fixed |
| 54 | Rp 6.471.564 | Rp 3.091.749 | Rp 3.379.815 | Rp 576.305.108 | fixed |
| 55 | Rp 6.471.564 | Rp 3.109.784 | Rp 3.361.780 | Rp 573.195.325 | fixed |
| 56 | Rp 6.471.564 | Rp 3.127.924 | Rp 3.343.639 | Rp 570.067.401 | fixed |
| 57 | Rp 6.471.564 | Rp 3.146.170 | Rp 3.325.393 | Rp 566.921.230 | fixed |
| 58 | Rp 6.471.564 | Rp 3.164.523 | Rp 3.307.041 | Rp 563.756.707 | fixed |
| 59 | Rp 6.471.564 | Rp 3.182.983 | Rp 3.288.581 | Rp 560.573.724 | fixed |
| 60 | Rp 6.471.564 | Rp 3.201.550 | Rp 3.270.013 | Rp 557.372.174 | fixed |
| 61 | Rp 6.471.564 | Rp 3.220.226 | Rp 3.251.338 | Rp 554.151.948 | fixed |
| 62 | Rp 6.471.564 | Rp 3.239.011 | Rp 3.232.553 | Rp 550.912.938 | fixed |
| 63 | Rp 6.471.564 | Rp 3.257.905 | Rp 3.213.659 | Rp 547.655.033 | fixed |
| 64 | Rp 6.471.564 | Rp 3.276.909 | Rp 3.194.654 | Rp 544.378.124 | fixed |
| 65 | Rp 6.471.564 | Rp 3.296.024 | Rp 3.175.539 | Rp 541.082.099 | fixed |
| 66 | Rp 6.471.564 | Rp 3.315.251 | Rp 3.156.312 | Rp 537.766.848 | fixed |
| 67 | Rp 6.471.564 | Rp 3.334.590 | Rp 3.136.973 | Rp 534.432.258 | fixed |
| 68 | Rp 6.471.564 | Rp 3.354.042 | Rp 3.117.522 | Rp 531.078.216 | fixed |
| 69 | Rp 6.471.564 | Rp 3.373.607 | Rp 3.097.956 | Rp 527.704.608 | fixed |
| 70 | Rp 6.471.564 | Rp 3.393.287 | Rp 3.078.277 | Rp 524.311.322 | fixed |
| 71 | Rp 6.471.564 | Rp 3.413.081 | Rp 3.058.483 | Rp 520.898.241 | fixed |
| 72 | Rp 6.471.564 | Rp 3.432.990 | Rp 3.038.573 | Rp 517.465.250 | fixed |
| 73 | Rp 6.471.564 | Rp 3.453.016 | Rp 3.018.547 | Rp 514.012.234 | fixed |
| 74 | Rp 6.471.564 | Rp 3.473.159 | Rp 2.998.405 | Rp 510.539.075 | fixed |
| 75 | Rp 6.471.564 | Rp 3.493.419 | Rp 2.978.145 | Rp 507.045.656 | fixed |
| 76 | Rp 6.471.564 | Rp 3.513.797 | Rp 2.957.766 | Rp 503.531.859 | fixed |
| 77 | Rp 6.471.564 | Rp 3.534.294 | Rp 2.937.269 | Rp 499.997.565 | fixed |
| 78 | Rp 6.471.564 | Rp 3.554.911 | Rp 2.916.652 | Rp 496.442.654 | fixed |
| 79 | Rp 6.471.564 | Rp 3.575.648 | Rp 2.895.915 | Rp 492.867.006 | fixed |
| 80 | Rp 6.471.564 | Rp 3.596.506 | Rp 2.875.058 | Rp 489.270.500 | fixed |
| 81 | Rp 6.471.564 | Rp 3.617.486 | Rp 2.854.078 | Rp 485.653.014 | fixed |
| 82 | Rp 6.471.564 | Rp 3.638.588 | Rp 2.832.976 | Rp 482.014.426 | fixed |
| 83 | Rp 6.471.564 | Rp 3.659.813 | Rp 2.811.751 | Rp 478.354.614 | fixed |
| 84 | Rp 6.471.564 | Rp 3.681.162 | Rp 2.790.402 | Rp 474.673.452 | fixed |
| 85 | Rp 6.471.564 | Rp 3.702.635 | Rp 2.768.928 | Rp 470.970.817 | fixed |
| 86 | Rp 6.471.564 | Rp 3.724.234 | Rp 2.747.330 | Rp 467.246.583 | fixed |
| 87 | Rp 6.471.564 | Rp 3.745.958 | Rp 2.725.605 | Rp 463.500.625 | fixed |
| 88 | Rp 6.471.564 | Rp 3.767.810 | Rp 2.703.754 | Rp 459.732.815 | fixed |
| 89 | Rp 6.471.564 | Rp 3.789.789 | Rp 2.681.775 | Rp 455.943.026 | fixed |
| 90 | Rp 6.471.564 | Rp 3.811.896 | Rp 2.659.668 | Rp 452.131.130 | fixed |
| 91 | Rp 6.471.564 | Rp 3.834.132 | Rp 2.637.432 | Rp 448.296.998 | fixed |
| 92 | Rp 6.471.564 | Rp 3.856.498 | Rp 2.615.066 | Rp 444.440.500 | fixed |
| 93 | Rp 6.471.564 | Rp 3.878.994 | Rp 2.592.570 | Rp 440.561.506 | fixed |
| 94 | Rp 6.471.564 | Rp 3.901.621 | Rp 2.569.942 | Rp 436.659.885 | fixed |
| 95 | Rp 6.471.564 | Rp 3.924.381 | Rp 2.547.183 | Rp 432.735.504 | fixed |
| 96 | Rp 6.471.564 | Rp 3.947.273 | Rp 2.524.290 | Rp 428.788.231 | fixed |
| 97 | Rp 6.471.564 | Rp 3.970.299 | Rp 2.501.265 | Rp 424.817.932 | fixed |
| 98 | Rp 6.471.564 | Rp 3.993.459 | Rp 2.478.105 | Rp 420.824.473 | fixed |
| 99 | Rp 6.471.564 | Rp 4.016.754 | Rp 2.454.809 | Rp 416.807.719 | fixed |
| 100 | Rp 6.471.564 | Rp 4.040.185 | Rp 2.431.378 | Rp 412.767.534 | fixed |
| 101 | Rp 6.471.564 | Rp 4.063.753 | Rp 2.407.811 | Rp 408.703.781 | fixed |
| 102 | Rp 6.471.564 | Rp 4.087.458 | Rp 2.384.105 | Rp 404.616.323 | fixed |
| 103 | Rp 6.471.564 | Rp 4.111.302 | Rp 2.360.262 | Rp 400.505.021 | fixed |
| 104 | Rp 6.471.564 | Rp 4.135.284 | Rp 2.336.279 | Rp 396.369.737 | fixed |
| 105 | Rp 6.471.564 | Rp 4.159.407 | Rp 2.312.157 | Rp 392.210.330 | fixed |
| 106 | Rp 6.471.564 | Rp 4.183.670 | Rp 2.287.894 | Rp 388.026.660 | fixed |
| 107 | Rp 6.471.564 | Rp 4.208.075 | Rp 2.263.489 | Rp 383.818.585 | fixed |
| 108 | Rp 6.471.564 | Rp 4.232.622 | Rp 2.238.942 | Rp 379.585.964 | fixed |
| 109 | Rp 6.471.564 | Rp 4.257.312 | Rp 2.214.251 | Rp 375.328.652 | fixed |
| 110 | Rp 6.471.564 | Rp 4.282.146 | Rp 2.189.417 | Rp 371.046.505 | fixed |
| 111 | Rp 6.471.564 | Rp 4.307.126 | Rp 2.164.438 | Rp 366.739.379 | fixed |
| 112 | Rp 6.471.564 | Rp 4.332.251 | Rp 2.139.313 | Rp 362.407.129 | fixed |
| 113 | Rp 6.471.564 | Rp 4.357.522 | Rp 2.114.042 | Rp 358.049.607 | fixed |
| 114 | Rp 6.471.564 | Rp 4.382.941 | Rp 2.088.623 | Rp 353.666.666 | fixed |
| 115 | Rp 6.471.564 | Rp 4.408.508 | Rp 2.063.056 | Rp 349.258.158 | fixed |
| 116 | Rp 6.471.564 | Rp 4.434.224 | Rp 2.037.339 | Rp 344.823.934 | fixed |
| 117 | Rp 6.471.564 | Rp 4.460.091 | Rp 2.011.473 | Rp 340.363.843 | fixed |
| 118 | Rp 6.471.564 | Rp 4.486.108 | Rp 1.985.456 | Rp 335.877.735 | fixed |
| 119 | Rp 6.471.564 | Rp 4.512.277 | Rp 1.959.287 | Rp 331.365.459 | fixed |
| 120 | Rp 6.471.564 | Rp 4.538.598 | Rp 1.932.965 | Rp 326.826.860 | fixed |
| 121 | Rp 6.471.564 | Rp 4.565.074 | Rp 1.906.490 | Rp 322.261.787 | fixed |
| 122 | Rp 6.471.564 | Rp 4.591.703 | Rp 1.879.860 | Rp 317.670.084 | fixed |
| 123 | Rp 6.471.564 | Rp 4.618.488 | Rp 1.853.075 | Rp 313.051.596 | fixed |
| 124 | Rp 6.471.564 | Rp 4.645.429 | Rp 1.826.134 | Rp 308.406.166 | fixed |
| 125 | Rp 6.471.564 | Rp 4.672.528 | Rp 1.799.036 | Rp 303.733.639 | fixed |
| 126 | Rp 6.471.564 | Rp 4.699.784 | Rp 1.771.780 | Rp 299.033.855 | fixed |
| 127 | Rp 6.471.564 | Rp 4.727.199 | Rp 1.744.364 | Rp 294.306.655 | fixed |
| 128 | Rp 6.471.564 | Rp 4.754.775 | Rp 1.716.789 | Rp 289.551.881 | fixed |
| 129 | Rp 6.471.564 | Rp 4.782.511 | Rp 1.689.053 | Rp 284.769.370 | fixed |
| 130 | Rp 6.471.564 | Rp 4.810.409 | Rp 1.661.155 | Rp 279.958.961 | fixed |
| 131 | Rp 6.471.564 | Rp 4.838.470 | Rp 1.633.094 | Rp 275.120.491 | fixed |
| 132 | Rp 6.471.564 | Rp 4.866.694 | Rp 1.604.870 | Rp 270.253.797 | fixed |
| 133 | Rp 6.471.564 | Rp 4.895.083 | Rp 1.576.480 | Rp 265.358.714 | fixed |
| 134 | Rp 6.471.564 | Rp 4.923.638 | Rp 1.547.926 | Rp 260.435.076 | fixed |
| 135 | Rp 6.471.564 | Rp 4.952.359 | Rp 1.519.205 | Rp 255.482.718 | fixed |
| 136 | Rp 6.471.564 | Rp 4.981.248 | Rp 1.490.316 | Rp 250.501.470 | fixed |
| 137 | Rp 6.471.564 | Rp 5.010.305 | Rp 1.461.259 | Rp 245.491.165 | fixed |
| 138 | Rp 6.471.564 | Rp 5.039.532 | Rp 1.432.032 | Rp 240.451.633 | fixed |
| 139 | Rp 6.471.564 | Rp 5.068.929 | Rp 1.402.635 | Rp 235.382.704 | fixed |
| 140 | Rp 6.471.564 | Rp 5.098.498 | Rp 1.373.066 | Rp 230.284.206 | fixed |
| 141 | Rp 6.471.564 | Rp 5.128.239 | Rp 1.343.325 | Rp 225.155.967 | fixed |
| 142 | Rp 6.471.564 | Rp 5.158.154 | Rp 1.313.410 | Rp 219.997.814 | fixed |
| 143 | Rp 6.471.564 | Rp 5.188.243 | Rp 1.283.321 | Rp 214.809.571 | fixed |
| 144 | Rp 6.471.564 | Rp 5.218.508 | Rp 1.253.056 | Rp 209.591.063 | fixed |
| 145 | Rp 6.471.564 | Rp 5.248.949 | Rp 1.222.615 | Rp 204.342.114 | fixed |
| 146 | Rp 6.471.564 | Rp 5.279.568 | Rp 1.191.996 | Rp 199.062.546 | fixed |
| 147 | Rp 6.471.564 | Rp 5.310.365 | Rp 1.161.198 | Rp 193.752.181 | fixed |
| 148 | Rp 6.471.564 | Rp 5.341.342 | Rp 1.130.221 | Rp 188.410.838 | fixed |
| 149 | Rp 6.471.564 | Rp 5.372.500 | Rp 1.099.063 | Rp 183.038.338 | fixed |
| 150 | Rp 6.471.564 | Rp 5.403.840 | Rp 1.067.724 | Rp 177.634.498 | fixed |
| 151 | Rp 6.471.564 | Rp 5.435.362 | Rp 1.036.201 | Rp 172.199.136 | fixed |
| 152 | Rp 6.471.564 | Rp 5.467.069 | Rp 1.004.495 | Rp 166.732.067 | fixed |
| 153 | Rp 6.471.564 | Rp 5.498.960 | Rp 972.604 | Rp 161.233.107 | fixed |
| 154 | Rp 6.471.564 | Rp 5.531.037 | Rp 940.526 | Rp 155.702.070 | fixed |
| 155 | Rp 6.471.564 | Rp 5.563.301 | Rp 908.262 | Rp 150.138.769 | fixed |
| 156 | Rp 6.471.564 | Rp 5.595.754 | Rp 875.809 | Rp 144.543.014 | fixed |
| 157 | Rp 6.471.564 | Rp 5.628.396 | Rp 843.168 | Rp 138.914.619 | fixed |
| 158 | Rp 6.471.564 | Rp 5.661.228 | Rp 810.335 | Rp 133.253.390 | fixed |
| 159 | Rp 6.471.564 | Rp 5.694.252 | Rp 777.311 | Rp 127.559.138 | fixed |
| 160 | Rp 6.471.564 | Rp 5.727.469 | Rp 744.095 | Rp 121.831.670 | fixed |
| 161 | Rp 6.471.564 | Rp 5.760.879 | Rp 710.685 | Rp 116.070.791 | fixed |
| 162 | Rp 6.471.564 | Rp 5.794.484 | Rp 677.080 | Rp 110.276.307 | fixed |
| 163 | Rp 6.471.564 | Rp 5.828.285 | Rp 643.278 | Rp 104.448.022 | fixed |
| 164 | Rp 6.471.564 | Rp 5.862.283 | Rp 609.280 | Rp 98.585.738 | fixed |
| 165 | Rp 6.471.564 | Rp 5.896.480 | Rp 575.083 | Rp 92.689.258 | fixed |
| 166 | Rp 6.471.564 | Rp 5.930.876 | Rp 540.687 | Rp 86.758.382 | fixed |
| 167 | Rp 6.471.564 | Rp 5.965.473 | Rp 506.091 | Rp 80.792.909 | fixed |
| 168 | Rp 6.471.564 | Rp 6.000.272 | Rp 471.292 | Rp 74.792.637 | fixed |
| 169 | Rp 6.471.564 | Rp 6.035.273 | Rp 436.290 | Rp 68.757.364 | fixed |
| 170 | Rp 6.471.564 | Rp 6.070.479 | Rp 401.085 | Rp 62.686.885 | fixed |
| 171 | Rp 6.471.564 | Rp 6.105.890 | Rp 365.673 | Rp 56.580.995 | fixed |
| 172 | Rp 6.471.564 | Rp 6.141.508 | Rp 330.056 | Rp 50.439.488 | fixed |
| 173 | Rp 6.471.564 | Rp 6.177.333 | Rp 294.230 | Rp 44.262.154 | fixed |
| 174 | Rp 6.471.564 | Rp 6.213.368 | Rp 258.196 | Rp 38.048.787 | fixed |
| 175 | Rp 6.471.564 | Rp 6.249.612 | Rp 221.951 | Rp 31.799.174 | fixed |
| 176 | Rp 6.471.564 | Rp 6.286.068 | Rp 185.495 | Rp 25.513.106 | fixed |
| 177 | Rp 6.471.564 | Rp 6.322.737 | Rp 148.826 | Rp 19.190.369 | fixed |
| 178 | Rp 6.471.564 | Rp 6.359.620 | Rp 111.944 | Rp 12.830.749 | fixed |
| 179 | Rp 6.471.564 | Rp 6.396.718 | Rp 74.846 | Rp 6.434.032 | fixed |
| 180 | Rp 6.471.564 | Rp 6.434.032 | Rp 37.532 | 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 produk BTN Platinum iB Syariah
| Jenis | syariah (fixed full_tenor) |
| Bunga / margin fixed | 7% selama 25 tahun |
| Tenor maksimum | 25 tahun |
| Uang muka minimum | 10% |
| Biaya provisi | 1% dari pokok |
| Biaya admin | Rp 500.000 |
Unit Usaha Syariah BTN. Tersedia juga KPR Subsidi BTN Syariah.
Sumber data
Parameter di atas disarikan dari rate card publik https://www.btn.co.id/id/Syariah-Home/Syariah-Product/Syariah-Konsumer/KPR-BTN-Platinum-iB per 02-05-2026. Bank dapat mengubah ketentuan tanpa pemberitahuan; kami tidak berafiliasi dengan BTN Syariah. Untuk penawaran resmi, hubungi BTN Syariah langsung.
Pertanyaan yang sering diajukan
Berapa bunga KPR BTN Syariah saat ini?
Berdasarkan rate card publik PT Bank Tabungan Negara (Persero) Tbk - UUS per 02-05-2026, BTN Platinum iB Syariah menawarkan bunga fixed 7% selama 25 tahun. Setelah masa fixed, bunga beralih ke floating dengan estimasi ~7%. Konfirmasi ke BTN Syariah untuk angka final yang berlaku saat pengajuan.
Berapa minimum DP KPR BTN Syariah?
Uang muka minimum 10% sesuai rate card publik. Bank Indonesia mengatur LTV maksimum per profil nasabah; DP aktual yang disetujui dapat berbeda berdasarkan profil risiko Anda.
Berapa tenor maksimum KPR BTN Syariah?
25 tahun (300 bulan). Tenor lebih panjang = cicilan lebih ringan, tapi total bunga lebih tinggi.
Apakah simulasi ini adalah penawaran resmi BTN Syariah?
Bukan. Ini estimasi berdasarkan rate card publik yang dikumpulkan per 02-05-2026. HitungUang tidak berafiliasi dengan BTN Syariah. Untuk penawaran resmi, hubungi BTN Syariah langsung atau kunjungi website resminya.
Bandingkan dengan bank lain
- Simulasi KPR BCA (fixed 4.69%)
- Simulasi KPR Mandiri (fixed 4.99%)
- Simulasi KPR BNI (fixed 5.25%)
- Simulasi KPR BRI (fixed 5.5%)
- Simulasi KPR BTN (fixed 5%)