Simulasi KPR BTN Rp 300 juta Tenor 20 tahun
Hitung cicilan KPR BTN untuk pinjaman Rp 300 juta dengan tenor 20 tahun. Pakai parameter rate card publik PT Bank Tabungan Negara (Persero) Tbk.
Data per 02-05-2026 · Sumber: Rate card publik BTN
Cicilan tahun fixed (20 tahun pertama)
Rp 1.979.867/bulan
Lalu cicilan estimasi tahun floating: Rp 1.979.867/bulan
Sesuaikan parameter
Simulasi memakai parameter KPR BTN Subsidi (FLPP). Silakan ubah angka di bawah untuk skenario Anda.
Pokok pinjaman
Rp 792.000.000
Uang muka (DP)
Rp 8.000.000 (1%)
Cicilan bulanan (tetap selama tenor)
Rp 6.263.086
Total bunga / margin dibayar
Rp 335.355.394
Total dibayar (pokok + bunga)
Rp 1.127.355.394
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 6.263.086 | Rp 2.963.086 | Rp 3.300.000 | Rp 789.036.914 | fixed |
| 2 | Rp 6.263.086 | Rp 2.975.432 | Rp 3.287.654 | Rp 786.061.483 | fixed |
| 3 | Rp 6.263.086 | Rp 2.987.829 | Rp 3.275.256 | Rp 783.073.653 | fixed |
| 4 | Rp 6.263.086 | Rp 3.000.279 | Rp 3.262.807 | Rp 780.073.375 | fixed |
| 5 | Rp 6.263.086 | Rp 3.012.780 | Rp 3.250.306 | Rp 777.060.595 | fixed |
| 6 | Rp 6.263.086 | Rp 3.025.333 | Rp 3.237.752 | Rp 774.035.262 | fixed |
| 7 | Rp 6.263.086 | Rp 3.037.939 | Rp 3.225.147 | Rp 770.997.323 | fixed |
| 8 | Rp 6.263.086 | Rp 3.050.597 | Rp 3.212.489 | Rp 767.946.727 | fixed |
| 9 | Rp 6.263.086 | Rp 3.063.307 | Rp 3.199.778 | Rp 764.883.419 | fixed |
| 10 | Rp 6.263.086 | Rp 3.076.071 | Rp 3.187.014 | Rp 761.807.348 | fixed |
| 11 | Rp 6.263.086 | Rp 3.088.888 | Rp 3.174.197 | Rp 758.718.460 | fixed |
| 12 | Rp 6.263.086 | Rp 3.101.759 | Rp 3.161.327 | Rp 755.616.701 | fixed |
| 13 | Rp 6.263.086 | Rp 3.114.683 | Rp 3.148.403 | Rp 752.502.018 | fixed |
| 14 | Rp 6.263.086 | Rp 3.127.660 | Rp 3.135.425 | Rp 749.374.358 | fixed |
| 15 | Rp 6.263.086 | Rp 3.140.692 | Rp 3.122.393 | Rp 746.233.666 | fixed |
| 16 | Rp 6.263.086 | Rp 3.153.779 | Rp 3.109.307 | Rp 743.079.887 | fixed |
| 17 | Rp 6.263.086 | Rp 3.166.919 | Rp 3.096.166 | Rp 739.912.968 | fixed |
| 18 | Rp 6.263.086 | Rp 3.180.115 | Rp 3.082.971 | Rp 736.732.853 | fixed |
| 19 | Rp 6.263.086 | Rp 3.193.365 | Rp 3.069.720 | Rp 733.539.488 | fixed |
| 20 | Rp 6.263.086 | Rp 3.206.671 | Rp 3.056.415 | Rp 730.332.817 | fixed |
| 21 | Rp 6.263.086 | Rp 3.220.032 | Rp 3.043.053 | Rp 727.112.784 | fixed |
| 22 | Rp 6.263.086 | Rp 3.233.449 | Rp 3.029.637 | Rp 723.879.336 | fixed |
| 23 | Rp 6.263.086 | Rp 3.246.922 | Rp 3.016.164 | Rp 720.632.414 | fixed |
| 24 | Rp 6.263.086 | Rp 3.260.450 | Rp 3.002.635 | Rp 717.371.963 | fixed |
| 25 | Rp 6.263.086 | Rp 3.274.036 | Rp 2.989.050 | Rp 714.097.928 | fixed |
| 26 | Rp 6.263.086 | Rp 3.287.677 | Rp 2.975.408 | Rp 710.810.250 | fixed |
| 27 | Rp 6.263.086 | Rp 3.301.376 | Rp 2.961.709 | Rp 707.508.874 | fixed |
| 28 | Rp 6.263.086 | Rp 3.315.132 | Rp 2.947.954 | Rp 704.193.742 | fixed |
| 29 | Rp 6.263.086 | Rp 3.328.945 | Rp 2.934.141 | Rp 700.864.797 | fixed |
| 30 | Rp 6.263.086 | Rp 3.342.816 | Rp 2.920.270 | Rp 697.521.982 | fixed |
| 31 | Rp 6.263.086 | Rp 3.356.744 | Rp 2.906.342 | Rp 694.165.238 | fixed |
| 32 | Rp 6.263.086 | Rp 3.370.730 | Rp 2.892.355 | Rp 690.794.508 | fixed |
| 33 | Rp 6.263.086 | Rp 3.384.775 | Rp 2.878.310 | Rp 687.409.732 | fixed |
| 34 | Rp 6.263.086 | Rp 3.398.878 | Rp 2.864.207 | Rp 684.010.854 | fixed |
| 35 | Rp 6.263.086 | Rp 3.413.040 | Rp 2.850.045 | Rp 680.597.814 | fixed |
| 36 | Rp 6.263.086 | Rp 3.427.261 | Rp 2.835.824 | Rp 677.170.553 | fixed |
| 37 | Rp 6.263.086 | Rp 3.441.542 | Rp 2.821.544 | Rp 673.729.011 | fixed |
| 38 | Rp 6.263.086 | Rp 3.455.881 | Rp 2.807.204 | Rp 670.273.130 | fixed |
| 39 | Rp 6.263.086 | Rp 3.470.281 | Rp 2.792.805 | Rp 666.802.849 | fixed |
| 40 | Rp 6.263.086 | Rp 3.484.740 | Rp 2.778.345 | Rp 663.318.109 | fixed |
| 41 | Rp 6.263.086 | Rp 3.499.260 | Rp 2.763.825 | Rp 659.818.848 | fixed |
| 42 | Rp 6.263.086 | Rp 3.513.840 | Rp 2.749.245 | Rp 656.305.008 | fixed |
| 43 | Rp 6.263.086 | Rp 3.528.481 | Rp 2.734.604 | Rp 652.776.527 | fixed |
| 44 | Rp 6.263.086 | Rp 3.543.183 | Rp 2.719.902 | Rp 649.233.343 | fixed |
| 45 | Rp 6.263.086 | Rp 3.557.947 | Rp 2.705.139 | Rp 645.675.397 | fixed |
| 46 | Rp 6.263.086 | Rp 3.572.771 | Rp 2.690.314 | Rp 642.102.626 | fixed |
| 47 | Rp 6.263.086 | Rp 3.587.658 | Rp 2.675.428 | Rp 638.514.968 | fixed |
| 48 | Rp 6.263.086 | Rp 3.602.606 | Rp 2.660.479 | Rp 634.912.361 | fixed |
| 49 | Rp 6.263.086 | Rp 3.617.617 | Rp 2.645.468 | Rp 631.294.744 | fixed |
| 50 | Rp 6.263.086 | Rp 3.632.691 | Rp 2.630.395 | Rp 627.662.053 | fixed |
| 51 | Rp 6.263.086 | Rp 3.647.827 | Rp 2.615.259 | Rp 624.014.226 | fixed |
| 52 | Rp 6.263.086 | Rp 3.663.026 | Rp 2.600.059 | Rp 620.351.200 | fixed |
| 53 | Rp 6.263.086 | Rp 3.678.289 | Rp 2.584.797 | Rp 616.672.911 | fixed |
| 54 | Rp 6.263.086 | Rp 3.693.615 | Rp 2.569.470 | Rp 612.979.296 | fixed |
| 55 | Rp 6.263.086 | Rp 3.709.005 | Rp 2.554.080 | Rp 609.270.291 | fixed |
| 56 | Rp 6.263.086 | Rp 3.724.459 | Rp 2.538.626 | Rp 605.545.831 | fixed |
| 57 | Rp 6.263.086 | Rp 3.739.978 | Rp 2.523.108 | Rp 601.805.854 | fixed |
| 58 | Rp 6.263.086 | Rp 3.755.561 | Rp 2.507.524 | Rp 598.050.292 | fixed |
| 59 | Rp 6.263.086 | Rp 3.771.209 | Rp 2.491.876 | Rp 594.279.083 | fixed |
| 60 | Rp 6.263.086 | Rp 3.786.923 | Rp 2.476.163 | Rp 590.492.160 | fixed |
| 61 | Rp 6.263.086 | Rp 3.802.702 | Rp 2.460.384 | Rp 586.689.459 | fixed |
| 62 | Rp 6.263.086 | Rp 3.818.546 | Rp 2.444.539 | Rp 582.870.913 | fixed |
| 63 | Rp 6.263.086 | Rp 3.834.457 | Rp 2.428.629 | Rp 579.036.456 | fixed |
| 64 | Rp 6.263.086 | Rp 3.850.434 | Rp 2.412.652 | Rp 575.186.022 | fixed |
| 65 | Rp 6.263.086 | Rp 3.866.477 | Rp 2.396.608 | Rp 571.319.545 | fixed |
| 66 | Rp 6.263.086 | Rp 3.882.587 | Rp 2.380.498 | Rp 567.436.958 | fixed |
| 67 | Rp 6.263.086 | Rp 3.898.765 | Rp 2.364.321 | Rp 563.538.193 | fixed |
| 68 | Rp 6.263.086 | Rp 3.915.010 | Rp 2.348.076 | Rp 559.623.183 | fixed |
| 69 | Rp 6.263.086 | Rp 3.931.322 | Rp 2.331.763 | Rp 555.691.861 | fixed |
| 70 | Rp 6.263.086 | Rp 3.947.703 | Rp 2.315.383 | Rp 551.744.158 | fixed |
| 71 | Rp 6.263.086 | Rp 3.964.152 | Rp 2.298.934 | Rp 547.780.007 | fixed |
| 72 | Rp 6.263.086 | Rp 3.980.669 | Rp 2.282.417 | Rp 543.799.338 | fixed |
| 73 | Rp 6.263.086 | Rp 3.997.255 | Rp 2.265.831 | Rp 539.802.083 | fixed |
| 74 | Rp 6.263.086 | Rp 4.013.910 | Rp 2.249.175 | Rp 535.788.173 | fixed |
| 75 | Rp 6.263.086 | Rp 4.030.635 | Rp 2.232.451 | Rp 531.757.538 | fixed |
| 76 | Rp 6.263.086 | Rp 4.047.429 | Rp 2.215.656 | Rp 527.710.109 | fixed |
| 77 | Rp 6.263.086 | Rp 4.064.293 | Rp 2.198.792 | Rp 523.645.815 | fixed |
| 78 | Rp 6.263.086 | Rp 4.081.228 | Rp 2.181.858 | Rp 519.564.588 | fixed |
| 79 | Rp 6.263.086 | Rp 4.098.233 | Rp 2.164.852 | Rp 515.466.354 | fixed |
| 80 | Rp 6.263.086 | Rp 4.115.309 | Rp 2.147.776 | Rp 511.351.045 | fixed |
| 81 | Rp 6.263.086 | Rp 4.132.456 | Rp 2.130.629 | Rp 507.218.589 | fixed |
| 82 | Rp 6.263.086 | Rp 4.149.675 | Rp 2.113.411 | Rp 503.068.915 | fixed |
| 83 | Rp 6.263.086 | Rp 4.166.965 | Rp 2.096.120 | Rp 498.901.949 | fixed |
| 84 | Rp 6.263.086 | Rp 4.184.327 | Rp 2.078.758 | Rp 494.717.622 | fixed |
| 85 | Rp 6.263.086 | Rp 4.201.762 | Rp 2.061.323 | Rp 490.515.860 | fixed |
| 86 | Rp 6.263.086 | Rp 4.219.269 | Rp 2.043.816 | Rp 486.296.591 | fixed |
| 87 | Rp 6.263.086 | Rp 4.236.850 | Rp 2.026.236 | Rp 482.059.741 | fixed |
| 88 | Rp 6.263.086 | Rp 4.254.503 | Rp 2.008.582 | Rp 477.805.238 | fixed |
| 89 | Rp 6.263.086 | Rp 4.272.230 | Rp 1.990.855 | Rp 473.533.007 | fixed |
| 90 | Rp 6.263.086 | Rp 4.290.031 | Rp 1.973.054 | Rp 469.242.976 | fixed |
| 91 | Rp 6.263.086 | Rp 4.307.906 | Rp 1.955.179 | Rp 464.935.069 | fixed |
| 92 | Rp 6.263.086 | Rp 4.325.856 | Rp 1.937.229 | Rp 460.609.213 | fixed |
| 93 | Rp 6.263.086 | Rp 4.343.880 | Rp 1.919.205 | Rp 456.265.333 | fixed |
| 94 | Rp 6.263.086 | Rp 4.361.980 | Rp 1.901.106 | Rp 451.903.353 | fixed |
| 95 | Rp 6.263.086 | Rp 4.380.155 | Rp 1.882.931 | Rp 447.523.198 | fixed |
| 96 | Rp 6.263.086 | Rp 4.398.406 | Rp 1.864.680 | Rp 443.124.792 | fixed |
| 97 | Rp 6.263.086 | Rp 4.416.732 | Rp 1.846.353 | Rp 438.708.060 | fixed |
| 98 | Rp 6.263.086 | Rp 4.435.135 | Rp 1.827.950 | Rp 434.272.925 | fixed |
| 99 | Rp 6.263.086 | Rp 4.453.615 | Rp 1.809.471 | Rp 429.819.310 | fixed |
| 100 | Rp 6.263.086 | Rp 4.472.172 | Rp 1.790.914 | Rp 425.347.138 | fixed |
| 101 | Rp 6.263.086 | Rp 4.490.806 | Rp 1.772.280 | Rp 420.856.332 | fixed |
| 102 | Rp 6.263.086 | Rp 4.509.517 | Rp 1.753.568 | Rp 416.346.815 | fixed |
| 103 | Rp 6.263.086 | Rp 4.528.307 | Rp 1.734.778 | Rp 411.818.508 | fixed |
| 104 | Rp 6.263.086 | Rp 4.547.175 | Rp 1.715.910 | Rp 407.271.333 | fixed |
| 105 | Rp 6.263.086 | Rp 4.566.122 | Rp 1.696.964 | Rp 402.705.211 | fixed |
| 106 | Rp 6.263.086 | Rp 4.585.147 | Rp 1.677.938 | Rp 398.120.064 | fixed |
| 107 | Rp 6.263.086 | Rp 4.604.252 | Rp 1.658.834 | Rp 393.515.812 | fixed |
| 108 | Rp 6.263.086 | Rp 4.623.436 | Rp 1.639.649 | Rp 388.892.376 | fixed |
| 109 | Rp 6.263.086 | Rp 4.642.701 | Rp 1.620.385 | Rp 384.249.675 | fixed |
| 110 | Rp 6.263.086 | Rp 4.662.045 | Rp 1.601.040 | Rp 379.587.630 | fixed |
| 111 | Rp 6.263.086 | Rp 4.681.470 | Rp 1.581.615 | Rp 374.906.160 | fixed |
| 112 | Rp 6.263.086 | Rp 4.700.977 | Rp 1.562.109 | Rp 370.205.183 | fixed |
| 113 | Rp 6.263.086 | Rp 4.720.564 | Rp 1.542.522 | Rp 365.484.619 | fixed |
| 114 | Rp 6.263.086 | Rp 4.740.233 | Rp 1.522.853 | Rp 360.744.386 | fixed |
| 115 | Rp 6.263.086 | Rp 4.759.984 | Rp 1.503.102 | Rp 355.984.402 | fixed |
| 116 | Rp 6.263.086 | Rp 4.779.817 | Rp 1.483.268 | Rp 351.204.585 | fixed |
| 117 | Rp 6.263.086 | Rp 4.799.733 | Rp 1.463.352 | Rp 346.404.852 | fixed |
| 118 | Rp 6.263.086 | Rp 4.819.732 | Rp 1.443.354 | Rp 341.585.120 | fixed |
| 119 | Rp 6.263.086 | Rp 4.839.814 | Rp 1.423.271 | Rp 336.745.306 | fixed |
| 120 | Rp 6.263.086 | Rp 4.859.980 | Rp 1.403.105 | Rp 331.885.326 | fixed |
| 121 | Rp 6.263.086 | Rp 4.880.230 | Rp 1.382.856 | Rp 327.005.096 | fixed |
| 122 | Rp 6.263.086 | Rp 4.900.564 | Rp 1.362.521 | Rp 322.104.531 | fixed |
| 123 | Rp 6.263.086 | Rp 4.920.983 | Rp 1.342.102 | Rp 317.183.548 | fixed |
| 124 | Rp 6.263.086 | Rp 4.941.487 | Rp 1.321.598 | Rp 312.242.061 | fixed |
| 125 | Rp 6.263.086 | Rp 4.962.077 | Rp 1.301.009 | Rp 307.279.984 | fixed |
| 126 | Rp 6.263.086 | Rp 4.982.752 | Rp 1.280.333 | Rp 302.297.231 | fixed |
| 127 | Rp 6.263.086 | Rp 5.003.514 | Rp 1.259.572 | Rp 297.293.718 | fixed |
| 128 | Rp 6.263.086 | Rp 5.024.362 | Rp 1.238.724 | Rp 292.269.356 | fixed |
| 129 | Rp 6.263.086 | Rp 5.045.297 | Rp 1.217.789 | Rp 287.224.060 | fixed |
| 130 | Rp 6.263.086 | Rp 5.066.319 | Rp 1.196.767 | Rp 282.157.741 | fixed |
| 131 | Rp 6.263.086 | Rp 5.087.428 | Rp 1.175.657 | Rp 277.070.313 | fixed |
| 132 | Rp 6.263.086 | Rp 5.108.626 | Rp 1.154.460 | Rp 271.961.687 | fixed |
| 133 | Rp 6.263.086 | Rp 5.129.912 | Rp 1.133.174 | Rp 266.831.775 | fixed |
| 134 | Rp 6.263.086 | Rp 5.151.286 | Rp 1.111.799 | Rp 261.680.488 | fixed |
| 135 | Rp 6.263.086 | Rp 5.172.750 | Rp 1.090.335 | Rp 256.507.738 | fixed |
| 136 | Rp 6.263.086 | Rp 5.194.303 | Rp 1.068.782 | Rp 251.313.435 | fixed |
| 137 | Rp 6.263.086 | Rp 5.215.946 | Rp 1.047.139 | Rp 246.097.489 | fixed |
| 138 | Rp 6.263.086 | Rp 5.237.679 | Rp 1.025.406 | Rp 240.859.809 | fixed |
| 139 | Rp 6.263.086 | Rp 5.259.503 | Rp 1.003.583 | Rp 235.600.306 | fixed |
| 140 | Rp 6.263.086 | Rp 5.281.418 | Rp 981.668 | Rp 230.318.889 | fixed |
| 141 | Rp 6.263.086 | Rp 5.303.423 | Rp 959.662 | Rp 225.015.465 | fixed |
| 142 | Rp 6.263.086 | Rp 5.325.521 | Rp 937.564 | Rp 219.689.944 | fixed |
| 143 | Rp 6.263.086 | Rp 5.347.711 | Rp 915.375 | Rp 214.342.234 | fixed |
| 144 | Rp 6.263.086 | Rp 5.369.993 | Rp 893.093 | Rp 208.972.241 | fixed |
| 145 | Rp 6.263.086 | Rp 5.392.368 | Rp 870.718 | Rp 203.579.873 | fixed |
| 146 | Rp 6.263.086 | Rp 5.414.836 | Rp 848.249 | Rp 198.165.037 | fixed |
| 147 | Rp 6.263.086 | Rp 5.437.398 | Rp 825.688 | Rp 192.727.639 | fixed |
| 148 | Rp 6.263.086 | Rp 5.460.054 | Rp 803.032 | Rp 187.267.585 | fixed |
| 149 | Rp 6.263.086 | Rp 5.482.804 | Rp 780.282 | Rp 181.784.781 | fixed |
| 150 | Rp 6.263.086 | Rp 5.505.649 | Rp 757.437 | Rp 176.279.132 | fixed |
| 151 | Rp 6.263.086 | Rp 5.528.589 | Rp 734.496 | Rp 170.750.543 | fixed |
| 152 | Rp 6.263.086 | Rp 5.551.625 | Rp 711.461 | Rp 165.198.918 | fixed |
| 153 | Rp 6.263.086 | Rp 5.574.757 | Rp 688.329 | Rp 159.624.162 | fixed |
| 154 | Rp 6.263.086 | Rp 5.597.985 | Rp 665.101 | Rp 154.026.177 | fixed |
| 155 | Rp 6.263.086 | Rp 5.621.310 | Rp 641.776 | Rp 148.404.867 | fixed |
| 156 | Rp 6.263.086 | Rp 5.644.732 | Rp 618.354 | Rp 142.760.135 | fixed |
| 157 | Rp 6.263.086 | Rp 5.668.252 | Rp 594.834 | Rp 137.091.883 | fixed |
| 158 | Rp 6.263.086 | Rp 5.691.869 | Rp 571.216 | Rp 131.400.014 | fixed |
| 159 | Rp 6.263.086 | Rp 5.715.585 | Rp 547.500 | Rp 125.684.429 | fixed |
| 160 | Rp 6.263.086 | Rp 5.739.400 | Rp 523.685 | Rp 119.945.028 | fixed |
| 161 | Rp 6.263.086 | Rp 5.763.315 | Rp 499.771 | Rp 114.181.714 | fixed |
| 162 | Rp 6.263.086 | Rp 5.787.328 | Rp 475.757 | Rp 108.394.385 | fixed |
| 163 | Rp 6.263.086 | Rp 5.811.442 | Rp 451.643 | Rp 102.582.943 | fixed |
| 164 | Rp 6.263.086 | Rp 5.835.657 | Rp 427.429 | Rp 96.747.286 | fixed |
| 165 | Rp 6.263.086 | Rp 5.859.972 | Rp 403.114 | Rp 90.887.315 | fixed |
| 166 | Rp 6.263.086 | Rp 5.884.388 | Rp 378.697 | Rp 85.002.926 | fixed |
| 167 | Rp 6.263.086 | Rp 5.908.907 | Rp 354.179 | Rp 79.094.020 | fixed |
| 168 | Rp 6.263.086 | Rp 5.933.527 | Rp 329.558 | Rp 73.160.492 | fixed |
| 169 | Rp 6.263.086 | Rp 5.958.250 | Rp 304.835 | Rp 67.202.242 | fixed |
| 170 | Rp 6.263.086 | Rp 5.983.076 | Rp 280.009 | Rp 61.219.166 | fixed |
| 171 | Rp 6.263.086 | Rp 6.008.006 | Rp 255.080 | Rp 55.211.160 | fixed |
| 172 | Rp 6.263.086 | Rp 6.033.039 | Rp 230.047 | Rp 49.178.121 | fixed |
| 173 | Rp 6.263.086 | Rp 6.058.177 | Rp 204.909 | Rp 43.119.945 | fixed |
| 174 | Rp 6.263.086 | Rp 6.083.419 | Rp 179.666 | Rp 37.036.526 | fixed |
| 175 | Rp 6.263.086 | Rp 6.108.767 | Rp 154.319 | Rp 30.927.759 | fixed |
| 176 | Rp 6.263.086 | Rp 6.134.220 | Rp 128.866 | Rp 24.793.539 | fixed |
| 177 | Rp 6.263.086 | Rp 6.159.779 | Rp 103.306 | Rp 18.633.760 | fixed |
| 178 | Rp 6.263.086 | Rp 6.185.445 | Rp 77.641 | Rp 12.448.315 | fixed |
| 179 | Rp 6.263.086 | Rp 6.211.218 | Rp 51.868 | Rp 6.237.098 | fixed |
| 180 | Rp 6.263.086 | Rp 6.237.098 | Rp 25.988 | 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 Rp 300 juta 20 tahun
| Pokok pinjaman | Rp 300.000.000 |
| Bunga fixed | 5% selama 20 tahun |
| Bunga floating estimasi | 5% |
| Tenor total | 20 tahun (240 bulan) |
| Cicilan tahun fixed | Rp 1.979.867/bulan |
| Cicilan estimasi tahun floating | Rp 1.979.867/bulan |
| Total bunga sepanjang tenor | Rp 175.168.132 |
| Total dibayar | Rp 475.168.132 |
Pertimbangan untuk pinjaman Rp 300 juta
Pinjaman Rp 300 juta dengan tenor 20 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 5.939.602/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 17.516.813 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
Syarat penghasilan max ditetapkan Permen PUPR (Rp 8jt single, Rp 14jt menikah). Sumber rate card: https://www.btn.co.id/id/Personal/Produk-BTN/kredit-konsumer/KPR-Bersubsidi.
Pertanyaan yang sering diajukan
Berapa cicilan KPR BTN Rp 300 juta 20 tahun?
Untuk pinjaman Rp 300 juta dengan tenor 20 tahun, cicilan tahun fixed (20 tahun pertama, bunga 5%) sekitar Rp 1.979.867. Setelah masa fixed, cicilan estimasi Rp 1.979.867 dengan bunga floating ~5%.
Berapa total bunga yang dibayar untuk KPR Rp 300 juta 20 tahun di BTN?
Total bunga estimasi sekitar Rp 175.168.132 sepanjang tenor 20 tahun. Total dibayar (pokok + bunga) sekitar Rp 475.168.132. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR BTN?
BTN mensyaratkan DP minimum 1% 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 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 untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 300 juta 20 tahun)
- Simulasi KPR BCA Rp 300 juta 20 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 300 juta 20 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 300 juta 20 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 300 juta 20 tahun (fixed 5.5%)
- Simulasi KPR BSI Rp 300 juta 20 tahun (fixed 6.5%)
Skenario lain BTN
- KPR BTN Rp 200 juta tenor 20 tahun
- KPR BTN Rp 500 juta tenor 20 tahun
- KPR BTN Rp 750 juta tenor 20 tahun
- KPR BTN Rp 1 miliar tenor 20 tahun
- KPR BTN Rp 300 juta tenor 5 tahun
- KPR BTN Rp 300 juta tenor 10 tahun
- KPR BTN Rp 300 juta tenor 15 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi BTN. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.