Simulasi KPR CIMB Niaga Rp 1 miliar Tenor 20 tahun
Hitung cicilan KPR CIMB Niaga untuk pinjaman Rp 1 miliar dengan tenor 20 tahun. Pakai parameter rate card publik PT Bank CIMB Niaga Tbk.
Data per 02-05-2026 · Sumber: Rate card publik CIMB Niaga
Cicilan tahun fixed (3 tahun pertama)
Rp 6.571.968/bulan
Lalu cicilan estimasi tahun floating: Rp 8.540.864/bulan
Sesuaikan parameter
Simulasi memakai parameter KPR Xtra Manfaat CIMB Niaga. Silakan ubah angka di bawah untuk skenario Anda.
Pokok pinjaman
Rp 720.000.000
Uang muka (DP)
Rp 80.000.000 (10%)
Cicilan bulanan tahun fixed (3 tahun pertama)
Rp 5.674.979
Cicilan estimasi tahun floating (sisa 12 tahun)
Rp 6.915.403
Total bunga / margin dibayar
Rp 480.117.290
Total dibayar (pokok + bunga)
Rp 1.200.117.290
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 5.674.979 | Rp 2.704.979 | Rp 2.970.000 | Rp 717.295.021 | fixed |
| 2 | Rp 5.674.979 | Rp 2.716.137 | Rp 2.958.842 | Rp 714.578.885 | fixed |
| 3 | Rp 5.674.979 | Rp 2.727.341 | Rp 2.947.638 | Rp 711.851.544 | fixed |
| 4 | Rp 5.674.979 | Rp 2.738.591 | Rp 2.936.388 | Rp 709.112.953 | fixed |
| 5 | Rp 5.674.979 | Rp 2.749.888 | Rp 2.925.091 | Rp 706.363.065 | fixed |
| 6 | Rp 5.674.979 | Rp 2.761.231 | Rp 2.913.748 | Rp 703.601.834 | fixed |
| 7 | Rp 5.674.979 | Rp 2.772.621 | Rp 2.902.358 | Rp 700.829.213 | fixed |
| 8 | Rp 5.674.979 | Rp 2.784.058 | Rp 2.890.921 | Rp 698.045.155 | fixed |
| 9 | Rp 5.674.979 | Rp 2.795.542 | Rp 2.879.436 | Rp 695.249.613 | fixed |
| 10 | Rp 5.674.979 | Rp 2.807.074 | Rp 2.867.905 | Rp 692.442.539 | fixed |
| 11 | Rp 5.674.979 | Rp 2.818.653 | Rp 2.856.325 | Rp 689.623.886 | fixed |
| 12 | Rp 5.674.979 | Rp 2.830.280 | Rp 2.844.699 | Rp 686.793.606 | fixed |
| 13 | Rp 5.674.979 | Rp 2.841.955 | Rp 2.833.024 | Rp 683.951.651 | fixed |
| 14 | Rp 5.674.979 | Rp 2.853.678 | Rp 2.821.301 | Rp 681.097.973 | fixed |
| 15 | Rp 5.674.979 | Rp 2.865.449 | Rp 2.809.529 | Rp 678.232.523 | fixed |
| 16 | Rp 5.674.979 | Rp 2.877.269 | Rp 2.797.709 | Rp 675.355.254 | fixed |
| 17 | Rp 5.674.979 | Rp 2.889.138 | Rp 2.785.840 | Rp 672.466.116 | fixed |
| 18 | Rp 5.674.979 | Rp 2.901.056 | Rp 2.773.923 | Rp 669.565.060 | fixed |
| 19 | Rp 5.674.979 | Rp 2.913.023 | Rp 2.761.956 | Rp 666.652.037 | fixed |
| 20 | Rp 5.674.979 | Rp 2.925.039 | Rp 2.749.940 | Rp 663.726.998 | fixed |
| 21 | Rp 5.674.979 | Rp 2.937.105 | Rp 2.737.874 | Rp 660.789.894 | fixed |
| 22 | Rp 5.674.979 | Rp 2.949.220 | Rp 2.725.758 | Rp 657.840.673 | fixed |
| 23 | Rp 5.674.979 | Rp 2.961.386 | Rp 2.713.593 | Rp 654.879.287 | fixed |
| 24 | Rp 5.674.979 | Rp 2.973.602 | Rp 2.701.377 | Rp 651.905.686 | fixed |
| 25 | Rp 5.674.979 | Rp 2.985.868 | Rp 2.689.111 | Rp 648.919.818 | fixed |
| 26 | Rp 5.674.979 | Rp 2.998.184 | Rp 2.676.794 | Rp 645.921.634 | fixed |
| 27 | Rp 5.674.979 | Rp 3.010.552 | Rp 2.664.427 | Rp 642.911.082 | fixed |
| 28 | Rp 5.674.979 | Rp 3.022.970 | Rp 2.652.008 | Rp 639.888.112 | fixed |
| 29 | Rp 5.674.979 | Rp 3.035.440 | Rp 2.639.538 | Rp 636.852.672 | fixed |
| 30 | Rp 5.674.979 | Rp 3.047.961 | Rp 2.627.017 | Rp 633.804.710 | fixed |
| 31 | Rp 5.674.979 | Rp 3.060.534 | Rp 2.614.444 | Rp 630.744.176 | fixed |
| 32 | Rp 5.674.979 | Rp 3.073.159 | Rp 2.601.820 | Rp 627.671.017 | fixed |
| 33 | Rp 5.674.979 | Rp 3.085.836 | Rp 2.589.143 | Rp 624.585.182 | fixed |
| 34 | Rp 5.674.979 | Rp 3.098.565 | Rp 2.576.414 | Rp 621.486.617 | fixed |
| 35 | Rp 5.674.979 | Rp 3.111.346 | Rp 2.563.632 | Rp 618.375.271 | fixed |
| 36 | Rp 5.674.979 | Rp 3.124.181 | Rp 2.550.798 | Rp 615.251.090 | fixed |
| 37 | Rp 6.915.403 | Rp 2.429.197 | Rp 4.486.206 | Rp 612.821.893 | floating |
| 38 | Rp 6.915.403 | Rp 2.446.910 | Rp 4.468.493 | Rp 610.374.982 | floating |
| 39 | Rp 6.915.403 | Rp 2.464.752 | Rp 4.450.651 | Rp 607.910.230 | floating |
| 40 | Rp 6.915.403 | Rp 2.482.724 | Rp 4.432.679 | Rp 605.427.506 | floating |
| 41 | Rp 6.915.403 | Rp 2.500.828 | Rp 4.414.576 | Rp 602.926.678 | floating |
| 42 | Rp 6.915.403 | Rp 2.519.063 | Rp 4.396.340 | Rp 600.407.615 | floating |
| 43 | Rp 6.915.403 | Rp 2.537.431 | Rp 4.377.972 | Rp 597.870.184 | floating |
| 44 | Rp 6.915.403 | Rp 2.555.933 | Rp 4.359.470 | Rp 595.314.251 | floating |
| 45 | Rp 6.915.403 | Rp 2.574.570 | Rp 4.340.833 | Rp 592.739.681 | floating |
| 46 | Rp 6.915.403 | Rp 2.593.343 | Rp 4.322.060 | Rp 590.146.338 | floating |
| 47 | Rp 6.915.403 | Rp 2.612.253 | Rp 4.303.150 | Rp 587.534.085 | floating |
| 48 | Rp 6.915.403 | Rp 2.631.300 | Rp 4.284.103 | Rp 584.902.785 | floating |
| 49 | Rp 6.915.403 | Rp 2.650.487 | Rp 4.264.916 | Rp 582.252.297 | floating |
| 50 | Rp 6.915.403 | Rp 2.669.814 | Rp 4.245.590 | Rp 579.582.484 | floating |
| 51 | Rp 6.915.403 | Rp 2.689.281 | Rp 4.226.122 | Rp 576.893.203 | floating |
| 52 | Rp 6.915.403 | Rp 2.708.890 | Rp 4.206.513 | Rp 574.184.313 | floating |
| 53 | Rp 6.915.403 | Rp 2.728.643 | Rp 4.186.761 | Rp 571.455.670 | floating |
| 54 | Rp 6.915.403 | Rp 2.748.539 | Rp 4.166.864 | Rp 568.707.131 | floating |
| 55 | Rp 6.915.403 | Rp 2.768.580 | Rp 4.146.823 | Rp 565.938.551 | floating |
| 56 | Rp 6.915.403 | Rp 2.788.768 | Rp 4.126.635 | Rp 563.149.783 | floating |
| 57 | Rp 6.915.403 | Rp 2.809.103 | Rp 4.106.301 | Rp 560.340.680 | floating |
| 58 | Rp 6.915.403 | Rp 2.829.586 | Rp 4.085.817 | Rp 557.511.094 | floating |
| 59 | Rp 6.915.403 | Rp 2.850.218 | Rp 4.065.185 | Rp 554.660.876 | floating |
| 60 | Rp 6.915.403 | Rp 2.871.001 | Rp 4.044.402 | Rp 551.789.875 | floating |
| 61 | Rp 6.915.403 | Rp 2.891.935 | Rp 4.023.468 | Rp 548.897.940 | floating |
| 62 | Rp 6.915.403 | Rp 2.913.022 | Rp 4.002.381 | Rp 545.984.918 | floating |
| 63 | Rp 6.915.403 | Rp 2.934.263 | Rp 3.981.140 | Rp 543.050.654 | floating |
| 64 | Rp 6.915.403 | Rp 2.955.659 | Rp 3.959.744 | Rp 540.094.996 | floating |
| 65 | Rp 6.915.403 | Rp 2.977.211 | Rp 3.938.193 | Rp 537.117.785 | floating |
| 66 | Rp 6.915.403 | Rp 2.998.919 | Rp 3.916.484 | Rp 534.118.866 | floating |
| 67 | Rp 6.915.403 | Rp 3.020.786 | Rp 3.894.617 | Rp 531.098.079 | floating |
| 68 | Rp 6.915.403 | Rp 3.042.813 | Rp 3.872.590 | Rp 528.055.266 | floating |
| 69 | Rp 6.915.403 | Rp 3.065.000 | Rp 3.850.403 | Rp 524.990.266 | floating |
| 70 | Rp 6.915.403 | Rp 3.087.349 | Rp 3.828.054 | Rp 521.902.917 | floating |
| 71 | Rp 6.915.403 | Rp 3.109.861 | Rp 3.805.542 | Rp 518.793.056 | floating |
| 72 | Rp 6.915.403 | Rp 3.132.537 | Rp 3.782.866 | Rp 515.660.519 | floating |
| 73 | Rp 6.915.403 | Rp 3.155.379 | Rp 3.760.025 | Rp 512.505.140 | floating |
| 74 | Rp 6.915.403 | Rp 3.178.387 | Rp 3.737.017 | Rp 509.326.753 | floating |
| 75 | Rp 6.915.403 | Rp 3.201.562 | Rp 3.713.841 | Rp 506.125.191 | floating |
| 76 | Rp 6.915.403 | Rp 3.224.907 | Rp 3.690.496 | Rp 502.900.284 | floating |
| 77 | Rp 6.915.403 | Rp 3.248.422 | Rp 3.666.981 | Rp 499.651.862 | floating |
| 78 | Rp 6.915.403 | Rp 3.272.108 | Rp 3.643.295 | Rp 496.379.754 | floating |
| 79 | Rp 6.915.403 | Rp 3.295.967 | Rp 3.619.436 | Rp 493.083.786 | floating |
| 80 | Rp 6.915.403 | Rp 3.320.001 | Rp 3.595.403 | Rp 489.763.786 | floating |
| 81 | Rp 6.915.403 | Rp 3.344.209 | Rp 3.571.194 | Rp 486.419.577 | floating |
| 82 | Rp 6.915.403 | Rp 3.368.594 | Rp 3.546.809 | Rp 483.050.983 | floating |
| 83 | Rp 6.915.403 | Rp 3.393.156 | Rp 3.522.247 | Rp 479.657.827 | floating |
| 84 | Rp 6.915.403 | Rp 3.417.898 | Rp 3.497.505 | Rp 476.239.928 | floating |
| 85 | Rp 6.915.403 | Rp 3.442.820 | Rp 3.472.583 | Rp 472.797.108 | floating |
| 86 | Rp 6.915.403 | Rp 3.467.924 | Rp 3.447.479 | Rp 469.329.184 | floating |
| 87 | Rp 6.915.403 | Rp 3.493.211 | Rp 3.422.192 | Rp 465.835.972 | floating |
| 88 | Rp 6.915.403 | Rp 3.518.683 | Rp 3.396.721 | Rp 462.317.290 | floating |
| 89 | Rp 6.915.403 | Rp 3.544.340 | Rp 3.371.064 | Rp 458.772.950 | floating |
| 90 | Rp 6.915.403 | Rp 3.570.184 | Rp 3.345.219 | Rp 455.202.766 | floating |
| 91 | Rp 6.915.403 | Rp 3.596.216 | Rp 3.319.187 | Rp 451.606.550 | floating |
| 92 | Rp 6.915.403 | Rp 3.622.439 | Rp 3.292.964 | Rp 447.984.111 | floating |
| 93 | Rp 6.915.403 | Rp 3.648.852 | Rp 3.266.551 | Rp 444.335.259 | floating |
| 94 | Rp 6.915.403 | Rp 3.675.459 | Rp 3.239.945 | Rp 440.659.800 | floating |
| 95 | Rp 6.915.403 | Rp 3.702.259 | Rp 3.213.144 | Rp 436.957.541 | floating |
| 96 | Rp 6.915.403 | Rp 3.729.254 | Rp 3.186.149 | Rp 433.228.287 | floating |
| 97 | Rp 6.915.403 | Rp 3.756.447 | Rp 3.158.956 | Rp 429.471.840 | floating |
| 98 | Rp 6.915.403 | Rp 3.783.838 | Rp 3.131.566 | Rp 425.688.002 | floating |
| 99 | Rp 6.915.403 | Rp 3.811.428 | Rp 3.103.975 | Rp 421.876.574 | floating |
| 100 | Rp 6.915.403 | Rp 3.839.220 | Rp 3.076.183 | Rp 418.037.354 | floating |
| 101 | Rp 6.915.403 | Rp 3.867.214 | Rp 3.048.189 | Rp 414.170.140 | floating |
| 102 | Rp 6.915.403 | Rp 3.895.413 | Rp 3.019.991 | Rp 410.274.728 | floating |
| 103 | Rp 6.915.403 | Rp 3.923.817 | Rp 2.991.587 | Rp 406.350.911 | floating |
| 104 | Rp 6.915.403 | Rp 3.952.428 | Rp 2.962.975 | Rp 402.398.483 | floating |
| 105 | Rp 6.915.403 | Rp 3.981.248 | Rp 2.934.156 | Rp 398.417.236 | floating |
| 106 | Rp 6.915.403 | Rp 4.010.278 | Rp 2.905.126 | Rp 394.406.958 | floating |
| 107 | Rp 6.915.403 | Rp 4.039.519 | Rp 2.875.884 | Rp 390.367.439 | floating |
| 108 | Rp 6.915.403 | Rp 4.068.974 | Rp 2.846.429 | Rp 386.298.465 | floating |
| 109 | Rp 6.915.403 | Rp 4.098.644 | Rp 2.816.760 | Rp 382.199.821 | floating |
| 110 | Rp 6.915.403 | Rp 4.128.530 | Rp 2.786.874 | Rp 378.071.292 | floating |
| 111 | Rp 6.915.403 | Rp 4.158.633 | Rp 2.756.770 | Rp 373.912.658 | floating |
| 112 | Rp 6.915.403 | Rp 4.188.957 | Rp 2.726.446 | Rp 369.723.702 | floating |
| 113 | Rp 6.915.403 | Rp 4.219.501 | Rp 2.695.902 | Rp 365.504.201 | floating |
| 114 | Rp 6.915.403 | Rp 4.250.268 | Rp 2.665.135 | Rp 361.253.932 | floating |
| 115 | Rp 6.915.403 | Rp 4.281.260 | Rp 2.634.143 | Rp 356.972.672 | floating |
| 116 | Rp 6.915.403 | Rp 4.312.477 | Rp 2.602.926 | Rp 352.660.195 | floating |
| 117 | Rp 6.915.403 | Rp 4.343.923 | Rp 2.571.481 | Rp 348.316.272 | floating |
| 118 | Rp 6.915.403 | Rp 4.375.597 | Rp 2.539.806 | Rp 343.940.675 | floating |
| 119 | Rp 6.915.403 | Rp 4.407.502 | Rp 2.507.901 | Rp 339.533.173 | floating |
| 120 | Rp 6.915.403 | Rp 4.439.640 | Rp 2.475.763 | Rp 335.093.532 | floating |
| 121 | Rp 6.915.403 | Rp 4.472.013 | Rp 2.443.390 | Rp 330.621.519 | floating |
| 122 | Rp 6.915.403 | Rp 4.504.621 | Rp 2.410.782 | Rp 326.116.898 | floating |
| 123 | Rp 6.915.403 | Rp 4.537.467 | Rp 2.377.936 | Rp 321.579.430 | floating |
| 124 | Rp 6.915.403 | Rp 4.570.553 | Rp 2.344.850 | Rp 317.008.877 | floating |
| 125 | Rp 6.915.403 | Rp 4.603.880 | Rp 2.311.523 | Rp 312.404.997 | floating |
| 126 | Rp 6.915.403 | Rp 4.637.450 | Rp 2.277.953 | Rp 307.767.547 | floating |
| 127 | Rp 6.915.403 | Rp 4.671.265 | Rp 2.244.138 | Rp 303.096.282 | floating |
| 128 | Rp 6.915.403 | Rp 4.705.326 | Rp 2.210.077 | Rp 298.390.956 | floating |
| 129 | Rp 6.915.403 | Rp 4.739.636 | Rp 2.175.767 | Rp 293.651.320 | floating |
| 130 | Rp 6.915.403 | Rp 4.774.196 | Rp 2.141.208 | Rp 288.877.125 | floating |
| 131 | Rp 6.915.403 | Rp 4.809.008 | Rp 2.106.396 | Rp 284.068.117 | floating |
| 132 | Rp 6.915.403 | Rp 4.844.073 | Rp 2.071.330 | Rp 279.224.044 | floating |
| 133 | Rp 6.915.403 | Rp 4.879.395 | Rp 2.036.009 | Rp 274.344.649 | floating |
| 134 | Rp 6.915.403 | Rp 4.914.973 | Rp 2.000.430 | Rp 269.429.676 | floating |
| 135 | Rp 6.915.403 | Rp 4.950.812 | Rp 1.964.591 | Rp 264.478.864 | floating |
| 136 | Rp 6.915.403 | Rp 4.986.911 | Rp 1.928.492 | Rp 259.491.953 | floating |
| 137 | Rp 6.915.403 | Rp 5.023.274 | Rp 1.892.129 | Rp 254.468.678 | floating |
| 138 | Rp 6.915.403 | Rp 5.059.902 | Rp 1.855.501 | Rp 249.408.776 | floating |
| 139 | Rp 6.915.403 | Rp 5.096.798 | Rp 1.818.606 | Rp 244.311.978 | floating |
| 140 | Rp 6.915.403 | Rp 5.133.962 | Rp 1.781.442 | Rp 239.178.017 | floating |
| 141 | Rp 6.915.403 | Rp 5.171.397 | Rp 1.744.006 | Rp 234.006.620 | floating |
| 142 | Rp 6.915.403 | Rp 5.209.105 | Rp 1.706.298 | Rp 228.797.515 | floating |
| 143 | Rp 6.915.403 | Rp 5.247.088 | Rp 1.668.315 | Rp 223.550.427 | floating |
| 144 | Rp 6.915.403 | Rp 5.285.348 | Rp 1.630.055 | Rp 218.265.079 | floating |
| 145 | Rp 6.915.403 | Rp 5.323.887 | Rp 1.591.516 | Rp 212.941.192 | floating |
| 146 | Rp 6.915.403 | Rp 5.362.707 | Rp 1.552.696 | Rp 207.578.485 | floating |
| 147 | Rp 6.915.403 | Rp 5.401.810 | Rp 1.513.593 | Rp 202.176.675 | floating |
| 148 | Rp 6.915.403 | Rp 5.441.198 | Rp 1.474.205 | Rp 196.735.476 | floating |
| 149 | Rp 6.915.403 | Rp 5.480.874 | Rp 1.434.530 | Rp 191.254.603 | floating |
| 150 | Rp 6.915.403 | Rp 5.520.838 | Rp 1.394.565 | Rp 185.733.764 | floating |
| 151 | Rp 6.915.403 | Rp 5.561.095 | Rp 1.354.309 | Rp 180.172.670 | floating |
| 152 | Rp 6.915.403 | Rp 5.601.644 | Rp 1.313.759 | Rp 174.571.026 | floating |
| 153 | Rp 6.915.403 | Rp 5.642.489 | Rp 1.272.914 | Rp 168.928.536 | floating |
| 154 | Rp 6.915.403 | Rp 5.683.633 | Rp 1.231.771 | Rp 163.244.904 | floating |
| 155 | Rp 6.915.403 | Rp 5.725.076 | Rp 1.190.327 | Rp 157.519.828 | floating |
| 156 | Rp 6.915.403 | Rp 5.766.821 | Rp 1.148.582 | Rp 151.753.007 | floating |
| 157 | Rp 6.915.403 | Rp 5.808.871 | Rp 1.106.532 | Rp 145.944.136 | floating |
| 158 | Rp 6.915.403 | Rp 5.851.227 | Rp 1.064.176 | Rp 140.092.909 | floating |
| 159 | Rp 6.915.403 | Rp 5.893.892 | Rp 1.021.511 | Rp 134.199.016 | floating |
| 160 | Rp 6.915.403 | Rp 5.936.869 | Rp 978.534 | Rp 128.262.148 | floating |
| 161 | Rp 6.915.403 | Rp 5.980.158 | Rp 935.245 | Rp 122.281.989 | floating |
| 162 | Rp 6.915.403 | Rp 6.023.764 | Rp 891.640 | Rp 116.258.225 | floating |
| 163 | Rp 6.915.403 | Rp 6.067.687 | Rp 847.716 | Rp 110.190.538 | floating |
| 164 | Rp 6.915.403 | Rp 6.111.931 | Rp 803.473 | Rp 104.078.608 | floating |
| 165 | Rp 6.915.403 | Rp 6.156.497 | Rp 758.907 | Rp 97.922.111 | floating |
| 166 | Rp 6.915.403 | Rp 6.201.388 | Rp 714.015 | Rp 91.720.723 | floating |
| 167 | Rp 6.915.403 | Rp 6.246.606 | Rp 668.797 | Rp 85.474.117 | floating |
| 168 | Rp 6.915.403 | Rp 6.292.154 | Rp 623.249 | Rp 79.181.963 | floating |
| 169 | Rp 6.915.403 | Rp 6.338.035 | Rp 577.368 | Rp 72.843.928 | floating |
| 170 | Rp 6.915.403 | Rp 6.384.250 | Rp 531.154 | Rp 66.459.679 | floating |
| 171 | Rp 6.915.403 | Rp 6.430.801 | Rp 484.602 | Rp 60.028.877 | floating |
| 172 | Rp 6.915.403 | Rp 6.477.693 | Rp 437.711 | Rp 53.551.184 | floating |
| 173 | Rp 6.915.403 | Rp 6.524.926 | Rp 390.477 | Rp 47.026.259 | floating |
| 174 | Rp 6.915.403 | Rp 6.572.503 | Rp 342.900 | Rp 40.453.755 | floating |
| 175 | Rp 6.915.403 | Rp 6.620.428 | Rp 294.975 | Rp 33.833.327 | floating |
| 176 | Rp 6.915.403 | Rp 6.668.702 | Rp 246.701 | Rp 27.164.626 | floating |
| 177 | Rp 6.915.403 | Rp 6.717.328 | Rp 198.075 | Rp 20.447.298 | floating |
| 178 | Rp 6.915.403 | Rp 6.766.308 | Rp 149.095 | Rp 13.680.989 | floating |
| 179 | Rp 6.915.403 | Rp 6.815.646 | Rp 99.757 | Rp 6.865.343 | floating |
| 180 | Rp 6.915.403 | Rp 6.865.343 | Rp 50.060 | Rp 0 | floating |
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 CIMB Niaga Rp 1 miliar 20 tahun
| Pokok pinjaman | Rp 1.000.000.000 |
| Bunga fixed | 4,95% selama 3 tahun |
| Bunga floating estimasi | 8,75% |
| Tenor total | 20 tahun (240 bulan) |
| Cicilan tahun fixed | Rp 6.571.968/bulan |
| Cicilan estimasi tahun floating | Rp 8.540.864/bulan |
| Total bunga sepanjang tenor | Rp 978.927.123 |
| Total dibayar | Rp 1.978.927.123 |
Pertimbangan untuk pinjaman Rp 1 miliar
Pinjaman Rp 1 miliar dengan tenor 20 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 19.715.903/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 97.892.712 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 CIMB Niaga
KPR Xtra Manfaat CIMB Niaga adalah produk KPR PT Bank CIMB Niaga Tbk dengan skema fixed-floating standar perbankan Indonesia. Sumber rate card: https://www.cimbniaga.co.id/id/personal/products/loans/kpr.
Pertanyaan yang sering diajukan
Berapa cicilan KPR CIMB Niaga Rp 1 miliar 20 tahun?
Untuk pinjaman Rp 1 miliar dengan tenor 20 tahun, cicilan tahun fixed (3 tahun pertama, bunga 4.95%) sekitar Rp 6.571.968. Setelah masa fixed, cicilan estimasi Rp 8.540.864 dengan bunga floating ~8.75%.
Berapa total bunga yang dibayar untuk KPR Rp 1 miliar 20 tahun di CIMB Niaga?
Total bunga estimasi sekitar Rp 978.927.123 sepanjang tenor 20 tahun. Total dibayar (pokok + bunga) sekitar Rp 1.978.927.123. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR CIMB Niaga?
CIMB Niaga 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 CIMB Niaga 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 CIMB Niaga 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 CIMB Niaga
- KPR CIMB Niaga Rp 200 juta tenor 20 tahun
- KPR CIMB Niaga Rp 300 juta tenor 20 tahun
- KPR CIMB Niaga Rp 500 juta tenor 20 tahun
- KPR CIMB Niaga Rp 750 juta tenor 20 tahun
- KPR CIMB Niaga Rp 1 miliar tenor 5 tahun
- KPR CIMB Niaga Rp 1 miliar tenor 10 tahun
- KPR CIMB Niaga Rp 1 miliar tenor 15 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi CIMB Niaga. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.