Simulasi KPR BTN Syariah Rp 1 miliar Tenor 20 tahun
Hitung cicilan KPR BTN Syariah untuk pinjaman Rp 1 miliar dengan tenor 20 tahun. Pakai parameter rate card publik PT Bank Tabungan Negara (Persero) Tbk - UUS.
Data per 02-05-2026 · Sumber: Rate card publik BTN Syariah
Cicilan tahun fixed (25 tahun pertama)
Rp 7.752.989/bulan
Lalu cicilan estimasi tahun floating: Rp 7.752.989/bulan
Sesuaikan parameter
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 breakdown KPR BTN Syariah Rp 1 miliar 20 tahun
| Pokok pinjaman | Rp 1.000.000.000 |
| Bunga fixed | 7% selama 25 tahun |
| Bunga floating estimasi | 7% |
| Tenor total | 20 tahun (240 bulan) |
| Cicilan tahun fixed | Rp 7.752.989/bulan |
| Cicilan estimasi tahun floating | Rp 7.752.989/bulan |
| Total bunga sepanjang tenor | Rp 860.717.445 |
| Total dibayar | Rp 1.860.717.445 |
Pertimbangan untuk pinjaman Rp 1 miliar
Pinjaman Rp 1 miliar dengan tenor 20 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 23.258.968/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 86.071.745 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 BTN Syariah
Unit Usaha Syariah BTN. Tersedia juga KPR Subsidi BTN Syariah. Sumber rate card: https://www.btn.co.id/id/Syariah-Home/Syariah-Product/Syariah-Konsumer/KPR-BTN-Platinum-iB.
Pertanyaan yang sering diajukan
Berapa cicilan KPR BTN Syariah Rp 1 miliar 20 tahun?
Untuk pinjaman Rp 1 miliar dengan tenor 20 tahun, cicilan tahun fixed (25 tahun pertama, bunga 7%) sekitar Rp 7.752.989. Setelah masa fixed, cicilan estimasi Rp 7.752.989 dengan bunga floating ~7%.
Berapa total bunga yang dibayar untuk KPR Rp 1 miliar 20 tahun di BTN Syariah?
Total bunga estimasi sekitar Rp 860.717.445 sepanjang tenor 20 tahun. Total dibayar (pokok + bunga) sekitar Rp 1.860.717.445. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR BTN Syariah?
BTN Syariah 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 Tabungan Negara (Persero) Tbk - UUS 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 BTN Syariah 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 BTN Syariah
- KPR BTN Syariah Rp 200 juta tenor 20 tahun
- KPR BTN Syariah Rp 300 juta tenor 20 tahun
- KPR BTN Syariah Rp 500 juta tenor 20 tahun
- KPR BTN Syariah Rp 750 juta tenor 20 tahun
- KPR BTN Syariah Rp 1 miliar tenor 5 tahun
- KPR BTN Syariah Rp 1 miliar tenor 10 tahun
- KPR BTN Syariah Rp 1 miliar tenor 15 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi BTN Syariah. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.