Simulasi KPR BTN Syariah Rp 300 juta Tenor 10 tahun
Hitung cicilan KPR BTN Syariah untuk pinjaman Rp 300 juta dengan tenor 10 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 3.483.254/bulan
Lalu cicilan estimasi tahun floating: Rp 3.483.254/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 300 juta 10 tahun
| Pokok pinjaman | Rp 300.000.000 |
| Bunga fixed | 7% selama 25 tahun |
| Bunga floating estimasi | 7% |
| Tenor total | 10 tahun (120 bulan) |
| Cicilan tahun fixed | Rp 3.483.254/bulan |
| Cicilan estimasi tahun floating | Rp 3.483.254/bulan |
| Total bunga sepanjang tenor | Rp 117.990.525 |
| Total dibayar | Rp 417.990.525 |
Pertimbangan untuk pinjaman Rp 300 juta
Pinjaman Rp 300 juta dengan tenor 10 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 10.449.763/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 11.799.053 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 300 juta 10 tahun?
Untuk pinjaman Rp 300 juta dengan tenor 10 tahun, cicilan tahun fixed (25 tahun pertama, bunga 7%) sekitar Rp 3.483.254. Setelah masa fixed, cicilan estimasi Rp 3.483.254 dengan bunga floating ~7%.
Berapa total bunga yang dibayar untuk KPR Rp 300 juta 10 tahun di BTN Syariah?
Total bunga estimasi sekitar Rp 117.990.525 sepanjang tenor 10 tahun. Total dibayar (pokok + bunga) sekitar Rp 417.990.525. 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 300 juta 10 tahun)
- Simulasi KPR BCA Rp 300 juta 10 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 300 juta 10 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 300 juta 10 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 300 juta 10 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 300 juta 10 tahun (fixed 5%)
Skenario lain BTN Syariah
- KPR BTN Syariah Rp 200 juta tenor 10 tahun
- KPR BTN Syariah Rp 500 juta tenor 10 tahun
- KPR BTN Syariah Rp 750 juta tenor 10 tahun
- KPR BTN Syariah Rp 1 miliar tenor 10 tahun
- KPR BTN Syariah Rp 300 juta tenor 5 tahun
- KPR BTN Syariah Rp 300 juta tenor 15 tahun
- KPR BTN Syariah Rp 300 juta tenor 20 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.