Simulasi KPR HSBC Rp 1 miliar Tenor 15 tahun
Hitung cicilan KPR HSBC untuk pinjaman Rp 1 miliar dengan tenor 15 tahun. Pakai parameter rate card publik PT Bank HSBC Indonesia.
Data per 02-05-2026 · Sumber: Rate card publik HSBC
Cicilan tahun fixed (3 tahun pertama)
Rp 7.907.936/bulan
Lalu cicilan estimasi tahun floating: Rp 9.658.225/bulan
Sesuaikan parameter
Simulasi memakai parameter HSBC Premier Mortgage. Silakan ubah angka di bawah untuk skenario Anda.
Pokok pinjaman
Rp 680.000.000
Uang muka (DP)
Rp 120.000.000 (15%)
Cicilan bulanan tahun fixed (3 tahun pertama)
Rp 5.377.397
Cicilan estimasi tahun floating (sisa 12 tahun)
Rp 6.567.593
Total bunga / margin dibayar
Rp 459.319.675
Total dibayar (pokok + bunga)
Rp 1.139.319.675
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 5.377.397 | Rp 2.544.063 | Rp 2.833.333 | Rp 677.455.937 | fixed |
| 2 | Rp 5.377.397 | Rp 2.554.664 | Rp 2.822.733 | Rp 674.901.273 | fixed |
| 3 | Rp 5.377.397 | Rp 2.565.308 | Rp 2.812.089 | Rp 672.335.965 | fixed |
| 4 | Rp 5.377.397 | Rp 2.575.997 | Rp 2.801.400 | Rp 669.759.968 | fixed |
| 5 | Rp 5.377.397 | Rp 2.586.730 | Rp 2.790.667 | Rp 667.173.238 | fixed |
| 6 | Rp 5.377.397 | Rp 2.597.508 | Rp 2.779.888 | Rp 664.575.730 | fixed |
| 7 | Rp 5.377.397 | Rp 2.608.331 | Rp 2.769.066 | Rp 661.967.399 | fixed |
| 8 | Rp 5.377.397 | Rp 2.619.199 | Rp 2.758.197 | Rp 659.348.200 | fixed |
| 9 | Rp 5.377.397 | Rp 2.630.112 | Rp 2.747.284 | Rp 656.718.087 | fixed |
| 10 | Rp 5.377.397 | Rp 2.641.071 | Rp 2.736.325 | Rp 654.077.016 | fixed |
| 11 | Rp 5.377.397 | Rp 2.652.076 | Rp 2.725.321 | Rp 651.424.940 | fixed |
| 12 | Rp 5.377.397 | Rp 2.663.126 | Rp 2.714.271 | Rp 648.761.814 | fixed |
| 13 | Rp 5.377.397 | Rp 2.674.222 | Rp 2.703.174 | Rp 646.087.592 | fixed |
| 14 | Rp 5.377.397 | Rp 2.685.365 | Rp 2.692.032 | Rp 643.402.227 | fixed |
| 15 | Rp 5.377.397 | Rp 2.696.554 | Rp 2.680.843 | Rp 640.705.673 | fixed |
| 16 | Rp 5.377.397 | Rp 2.707.790 | Rp 2.669.607 | Rp 637.997.883 | fixed |
| 17 | Rp 5.377.397 | Rp 2.719.072 | Rp 2.658.325 | Rp 635.278.811 | fixed |
| 18 | Rp 5.377.397 | Rp 2.730.402 | Rp 2.646.995 | Rp 632.548.409 | fixed |
| 19 | Rp 5.377.397 | Rp 2.741.778 | Rp 2.635.618 | Rp 629.806.631 | fixed |
| 20 | Rp 5.377.397 | Rp 2.753.202 | Rp 2.624.194 | Rp 627.053.428 | fixed |
| 21 | Rp 5.377.397 | Rp 2.764.674 | Rp 2.612.723 | Rp 624.288.754 | fixed |
| 22 | Rp 5.377.397 | Rp 2.776.194 | Rp 2.601.203 | Rp 621.512.561 | fixed |
| 23 | Rp 5.377.397 | Rp 2.787.761 | Rp 2.589.636 | Rp 618.724.800 | fixed |
| 24 | Rp 5.377.397 | Rp 2.799.377 | Rp 2.578.020 | Rp 615.925.423 | fixed |
| 25 | Rp 5.377.397 | Rp 2.811.041 | Rp 2.566.356 | Rp 613.114.382 | fixed |
| 26 | Rp 5.377.397 | Rp 2.822.753 | Rp 2.554.643 | Rp 610.291.629 | fixed |
| 27 | Rp 5.377.397 | Rp 2.834.515 | Rp 2.542.882 | Rp 607.457.114 | fixed |
| 28 | Rp 5.377.397 | Rp 2.846.325 | Rp 2.531.071 | Rp 604.610.789 | fixed |
| 29 | Rp 5.377.397 | Rp 2.858.185 | Rp 2.519.212 | Rp 601.752.604 | fixed |
| 30 | Rp 5.377.397 | Rp 2.870.094 | Rp 2.507.303 | Rp 598.882.510 | fixed |
| 31 | Rp 5.377.397 | Rp 2.882.053 | Rp 2.495.344 | Rp 596.000.457 | fixed |
| 32 | Rp 5.377.397 | Rp 2.894.061 | Rp 2.483.335 | Rp 593.106.395 | fixed |
| 33 | Rp 5.377.397 | Rp 2.906.120 | Rp 2.471.277 | Rp 590.200.275 | fixed |
| 34 | Rp 5.377.397 | Rp 2.918.229 | Rp 2.459.168 | Rp 587.282.046 | fixed |
| 35 | Rp 5.377.397 | Rp 2.930.388 | Rp 2.447.009 | Rp 584.351.658 | fixed |
| 36 | Rp 5.377.397 | Rp 2.942.598 | Rp 2.434.799 | Rp 581.409.060 | fixed |
| 37 | Rp 6.567.593 | Rp 2.279.701 | Rp 4.287.892 | Rp 579.129.359 | floating |
| 38 | Rp 6.567.593 | Rp 2.296.514 | Rp 4.271.079 | Rp 576.832.845 | floating |
| 39 | Rp 6.567.593 | Rp 2.313.451 | Rp 4.254.142 | Rp 574.519.394 | floating |
| 40 | Rp 6.567.593 | Rp 2.330.512 | Rp 4.237.081 | Rp 572.188.882 | floating |
| 41 | Rp 6.567.593 | Rp 2.347.700 | Rp 4.219.893 | Rp 569.841.182 | floating |
| 42 | Rp 6.567.593 | Rp 2.365.014 | Rp 4.202.579 | Rp 567.476.167 | floating |
| 43 | Rp 6.567.593 | Rp 2.382.456 | Rp 4.185.137 | Rp 565.093.711 | floating |
| 44 | Rp 6.567.593 | Rp 2.400.027 | Rp 4.167.566 | Rp 562.693.684 | floating |
| 45 | Rp 6.567.593 | Rp 2.417.727 | Rp 4.149.866 | Rp 560.275.957 | floating |
| 46 | Rp 6.567.593 | Rp 2.435.558 | Rp 4.132.035 | Rp 557.840.399 | floating |
| 47 | Rp 6.567.593 | Rp 2.453.520 | Rp 4.114.073 | Rp 555.386.879 | floating |
| 48 | Rp 6.567.593 | Rp 2.471.615 | Rp 4.095.978 | Rp 552.915.264 | floating |
| 49 | Rp 6.567.593 | Rp 2.489.843 | Rp 4.077.750 | Rp 550.425.421 | floating |
| 50 | Rp 6.567.593 | Rp 2.508.206 | Rp 4.059.387 | Rp 547.917.216 | floating |
| 51 | Rp 6.567.593 | Rp 2.526.704 | Rp 4.040.889 | Rp 545.390.512 | floating |
| 52 | Rp 6.567.593 | Rp 2.545.338 | Rp 4.022.255 | Rp 542.845.174 | floating |
| 53 | Rp 6.567.593 | Rp 2.564.110 | Rp 4.003.483 | Rp 540.281.065 | floating |
| 54 | Rp 6.567.593 | Rp 2.583.020 | Rp 3.984.573 | Rp 537.698.044 | floating |
| 55 | Rp 6.567.593 | Rp 2.602.070 | Rp 3.965.523 | Rp 535.095.974 | floating |
| 56 | Rp 6.567.593 | Rp 2.621.260 | Rp 3.946.333 | Rp 532.474.714 | floating |
| 57 | Rp 6.567.593 | Rp 2.640.592 | Rp 3.927.001 | Rp 529.834.122 | floating |
| 58 | Rp 6.567.593 | Rp 2.660.066 | Rp 3.907.527 | Rp 527.174.056 | floating |
| 59 | Rp 6.567.593 | Rp 2.679.684 | Rp 3.887.909 | Rp 524.494.371 | floating |
| 60 | Rp 6.567.593 | Rp 2.699.447 | Rp 3.868.146 | Rp 521.794.924 | floating |
| 61 | Rp 6.567.593 | Rp 2.719.355 | Rp 3.848.238 | Rp 519.075.569 | floating |
| 62 | Rp 6.567.593 | Rp 2.739.411 | Rp 3.828.182 | Rp 516.336.158 | floating |
| 63 | Rp 6.567.593 | Rp 2.759.614 | Rp 3.807.979 | Rp 513.576.544 | floating |
| 64 | Rp 6.567.593 | Rp 2.779.966 | Rp 3.787.627 | Rp 510.796.578 | floating |
| 65 | Rp 6.567.593 | Rp 2.800.468 | Rp 3.767.125 | Rp 507.996.110 | floating |
| 66 | Rp 6.567.593 | Rp 2.821.122 | Rp 3.746.471 | Rp 505.174.988 | floating |
| 67 | Rp 6.567.593 | Rp 2.841.927 | Rp 3.725.666 | Rp 502.333.061 | floating |
| 68 | Rp 6.567.593 | Rp 2.862.887 | Rp 3.704.706 | Rp 499.470.174 | floating |
| 69 | Rp 6.567.593 | Rp 2.884.000 | Rp 3.683.593 | Rp 496.586.174 | floating |
| 70 | Rp 6.567.593 | Rp 2.905.270 | Rp 3.662.323 | Rp 493.680.904 | floating |
| 71 | Rp 6.567.593 | Rp 2.926.696 | Rp 3.640.897 | Rp 490.754.207 | floating |
| 72 | Rp 6.567.593 | Rp 2.948.281 | Rp 3.619.312 | Rp 487.805.927 | floating |
| 73 | Rp 6.567.593 | Rp 2.970.024 | Rp 3.597.569 | Rp 484.835.902 | floating |
| 74 | Rp 6.567.593 | Rp 2.991.928 | Rp 3.575.665 | Rp 481.843.974 | floating |
| 75 | Rp 6.567.593 | Rp 3.013.994 | Rp 3.553.599 | Rp 478.829.980 | floating |
| 76 | Rp 6.567.593 | Rp 3.036.222 | Rp 3.531.371 | Rp 475.793.759 | floating |
| 77 | Rp 6.567.593 | Rp 3.058.614 | Rp 3.508.979 | Rp 472.735.144 | floating |
| 78 | Rp 6.567.593 | Rp 3.081.171 | Rp 3.486.422 | Rp 469.653.973 | floating |
| 79 | Rp 6.567.593 | Rp 3.103.895 | Rp 3.463.698 | Rp 466.550.078 | floating |
| 80 | Rp 6.567.593 | Rp 3.126.786 | Rp 3.440.807 | Rp 463.423.292 | floating |
| 81 | Rp 6.567.593 | Rp 3.149.846 | Rp 3.417.747 | Rp 460.273.446 | floating |
| 82 | Rp 6.567.593 | Rp 3.173.076 | Rp 3.394.517 | Rp 457.100.369 | floating |
| 83 | Rp 6.567.593 | Rp 3.196.478 | Rp 3.371.115 | Rp 453.903.892 | floating |
| 84 | Rp 6.567.593 | Rp 3.220.052 | Rp 3.347.541 | Rp 450.683.840 | floating |
| 85 | Rp 6.567.593 | Rp 3.243.800 | Rp 3.323.793 | Rp 447.440.040 | floating |
| 86 | Rp 6.567.593 | Rp 3.267.723 | Rp 3.299.870 | Rp 444.172.317 | floating |
| 87 | Rp 6.567.593 | Rp 3.291.822 | Rp 3.275.771 | Rp 440.880.495 | floating |
| 88 | Rp 6.567.593 | Rp 3.316.099 | Rp 3.251.494 | Rp 437.564.396 | floating |
| 89 | Rp 6.567.593 | Rp 3.340.556 | Rp 3.227.037 | Rp 434.223.840 | floating |
| 90 | Rp 6.567.593 | Rp 3.365.192 | Rp 3.202.401 | Rp 430.858.648 | floating |
| 91 | Rp 6.567.593 | Rp 3.390.010 | Rp 3.177.583 | Rp 427.468.637 | floating |
| 92 | Rp 6.567.593 | Rp 3.415.012 | Rp 3.152.581 | Rp 424.053.626 | floating |
| 93 | Rp 6.567.593 | Rp 3.440.198 | Rp 3.127.395 | Rp 420.613.428 | floating |
| 94 | Rp 6.567.593 | Rp 3.465.569 | Rp 3.102.024 | Rp 417.147.859 | floating |
| 95 | Rp 6.567.593 | Rp 3.491.128 | Rp 3.076.465 | Rp 413.656.732 | floating |
| 96 | Rp 6.567.593 | Rp 3.516.875 | Rp 3.050.718 | Rp 410.139.857 | floating |
| 97 | Rp 6.567.593 | Rp 3.542.812 | Rp 3.024.781 | Rp 406.597.045 | floating |
| 98 | Rp 6.567.593 | Rp 3.568.940 | Rp 2.998.653 | Rp 403.028.106 | floating |
| 99 | Rp 6.567.593 | Rp 3.595.261 | Rp 2.972.332 | Rp 399.432.845 | floating |
| 100 | Rp 6.567.593 | Rp 3.621.776 | Rp 2.945.817 | Rp 395.811.069 | floating |
| 101 | Rp 6.567.593 | Rp 3.648.486 | Rp 2.919.107 | Rp 392.162.583 | floating |
| 102 | Rp 6.567.593 | Rp 3.675.394 | Rp 2.892.199 | Rp 388.487.189 | floating |
| 103 | Rp 6.567.593 | Rp 3.702.500 | Rp 2.865.093 | Rp 384.784.689 | floating |
| 104 | Rp 6.567.593 | Rp 3.729.806 | Rp 2.837.787 | Rp 381.054.883 | floating |
| 105 | Rp 6.567.593 | Rp 3.757.313 | Rp 2.810.280 | Rp 377.297.569 | floating |
| 106 | Rp 6.567.593 | Rp 3.785.023 | Rp 2.782.570 | Rp 373.512.546 | floating |
| 107 | Rp 6.567.593 | Rp 3.812.938 | Rp 2.754.655 | Rp 369.699.608 | floating |
| 108 | Rp 6.567.593 | Rp 3.841.058 | Rp 2.726.535 | Rp 365.858.550 | floating |
| 109 | Rp 6.567.593 | Rp 3.869.386 | Rp 2.698.207 | Rp 361.989.163 | floating |
| 110 | Rp 6.567.593 | Rp 3.897.923 | Rp 2.669.670 | Rp 358.091.240 | floating |
| 111 | Rp 6.567.593 | Rp 3.926.670 | Rp 2.640.923 | Rp 354.164.570 | floating |
| 112 | Rp 6.567.593 | Rp 3.955.629 | Rp 2.611.964 | Rp 350.208.941 | floating |
| 113 | Rp 6.567.593 | Rp 3.984.802 | Rp 2.582.791 | Rp 346.224.139 | floating |
| 114 | Rp 6.567.593 | Rp 4.014.190 | Rp 2.553.403 | Rp 342.209.949 | floating |
| 115 | Rp 6.567.593 | Rp 4.043.795 | Rp 2.523.798 | Rp 338.166.154 | floating |
| 116 | Rp 6.567.593 | Rp 4.073.618 | Rp 2.493.975 | Rp 334.092.537 | floating |
| 117 | Rp 6.567.593 | Rp 4.103.661 | Rp 2.463.932 | Rp 329.988.876 | floating |
| 118 | Rp 6.567.593 | Rp 4.133.925 | Rp 2.433.668 | Rp 325.854.951 | floating |
| 119 | Rp 6.567.593 | Rp 4.164.413 | Rp 2.403.180 | Rp 321.690.538 | floating |
| 120 | Rp 6.567.593 | Rp 4.195.125 | Rp 2.372.468 | Rp 317.495.413 | floating |
| 121 | Rp 6.567.593 | Rp 4.226.064 | Rp 2.341.529 | Rp 313.269.349 | floating |
| 122 | Rp 6.567.593 | Rp 4.257.232 | Rp 2.310.361 | Rp 309.012.117 | floating |
| 123 | Rp 6.567.593 | Rp 4.288.629 | Rp 2.278.964 | Rp 304.723.488 | floating |
| 124 | Rp 6.567.593 | Rp 4.320.257 | Rp 2.247.336 | Rp 300.403.231 | floating |
| 125 | Rp 6.567.593 | Rp 4.352.119 | Rp 2.215.474 | Rp 296.051.112 | floating |
| 126 | Rp 6.567.593 | Rp 4.384.216 | Rp 2.183.377 | Rp 291.666.896 | floating |
| 127 | Rp 6.567.593 | Rp 4.416.550 | Rp 2.151.043 | Rp 287.250.346 | floating |
| 128 | Rp 6.567.593 | Rp 4.449.122 | Rp 2.118.471 | Rp 282.801.224 | floating |
| 129 | Rp 6.567.593 | Rp 4.481.934 | Rp 2.085.659 | Rp 278.319.290 | floating |
| 130 | Rp 6.567.593 | Rp 4.514.988 | Rp 2.052.605 | Rp 273.804.302 | floating |
| 131 | Rp 6.567.593 | Rp 4.548.286 | Rp 2.019.307 | Rp 269.256.016 | floating |
| 132 | Rp 6.567.593 | Rp 4.581.830 | Rp 1.985.763 | Rp 264.674.186 | floating |
| 133 | Rp 6.567.593 | Rp 4.615.621 | Rp 1.951.972 | Rp 260.058.565 | floating |
| 134 | Rp 6.567.593 | Rp 4.649.661 | Rp 1.917.932 | Rp 255.408.904 | floating |
| 135 | Rp 6.567.593 | Rp 4.683.952 | Rp 1.883.641 | Rp 250.724.952 | floating |
| 136 | Rp 6.567.593 | Rp 4.718.497 | Rp 1.849.097 | Rp 246.006.455 | floating |
| 137 | Rp 6.567.593 | Rp 4.753.295 | Rp 1.814.298 | Rp 241.253.160 | floating |
| 138 | Rp 6.567.593 | Rp 4.788.351 | Rp 1.779.242 | Rp 236.464.809 | floating |
| 139 | Rp 6.567.593 | Rp 4.823.665 | Rp 1.743.928 | Rp 231.641.144 | floating |
| 140 | Rp 6.567.593 | Rp 4.859.240 | Rp 1.708.353 | Rp 226.781.904 | floating |
| 141 | Rp 6.567.593 | Rp 4.895.076 | Rp 1.672.517 | Rp 221.886.828 | floating |
| 142 | Rp 6.567.593 | Rp 4.931.178 | Rp 1.636.415 | Rp 216.955.650 | floating |
| 143 | Rp 6.567.593 | Rp 4.967.545 | Rp 1.600.048 | Rp 211.988.105 | floating |
| 144 | Rp 6.567.593 | Rp 5.004.181 | Rp 1.563.412 | Rp 206.983.924 | floating |
| 145 | Rp 6.567.593 | Rp 5.041.087 | Rp 1.526.506 | Rp 201.942.837 | floating |
| 146 | Rp 6.567.593 | Rp 5.078.265 | Rp 1.489.328 | Rp 196.864.573 | floating |
| 147 | Rp 6.567.593 | Rp 5.115.717 | Rp 1.451.876 | Rp 191.748.856 | floating |
| 148 | Rp 6.567.593 | Rp 5.153.445 | Rp 1.414.148 | Rp 186.595.411 | floating |
| 149 | Rp 6.567.593 | Rp 5.191.452 | Rp 1.376.141 | Rp 181.403.959 | floating |
| 150 | Rp 6.567.593 | Rp 5.229.739 | Rp 1.337.854 | Rp 176.174.220 | floating |
| 151 | Rp 6.567.593 | Rp 5.268.308 | Rp 1.299.285 | Rp 170.905.912 | floating |
| 152 | Rp 6.567.593 | Rp 5.307.162 | Rp 1.260.431 | Rp 165.598.750 | floating |
| 153 | Rp 6.567.593 | Rp 5.346.302 | Rp 1.221.291 | Rp 160.252.448 | floating |
| 154 | Rp 6.567.593 | Rp 5.385.731 | Rp 1.181.862 | Rp 154.866.717 | floating |
| 155 | Rp 6.567.593 | Rp 5.425.451 | Rp 1.142.142 | Rp 149.441.266 | floating |
| 156 | Rp 6.567.593 | Rp 5.465.464 | Rp 1.102.129 | Rp 143.975.802 | floating |
| 157 | Rp 6.567.593 | Rp 5.505.771 | Rp 1.061.822 | Rp 138.470.030 | floating |
| 158 | Rp 6.567.593 | Rp 5.546.377 | Rp 1.021.216 | Rp 132.923.654 | floating |
| 159 | Rp 6.567.593 | Rp 5.587.281 | Rp 980.312 | Rp 127.336.373 | floating |
| 160 | Rp 6.567.593 | Rp 5.628.487 | Rp 939.106 | Rp 121.707.886 | floating |
| 161 | Rp 6.567.593 | Rp 5.669.997 | Rp 897.596 | Rp 116.037.888 | floating |
| 162 | Rp 6.567.593 | Rp 5.711.814 | Rp 855.779 | Rp 110.326.075 | floating |
| 163 | Rp 6.567.593 | Rp 5.753.938 | Rp 813.655 | Rp 104.572.136 | floating |
| 164 | Rp 6.567.593 | Rp 5.796.374 | Rp 771.220 | Rp 98.775.763 | floating |
| 165 | Rp 6.567.593 | Rp 5.839.122 | Rp 728.471 | Rp 92.936.641 | floating |
| 166 | Rp 6.567.593 | Rp 5.882.185 | Rp 685.408 | Rp 87.054.456 | floating |
| 167 | Rp 6.567.593 | Rp 5.925.566 | Rp 642.027 | Rp 81.128.889 | floating |
| 168 | Rp 6.567.593 | Rp 5.969.267 | Rp 598.326 | Rp 75.159.622 | floating |
| 169 | Rp 6.567.593 | Rp 6.013.291 | Rp 554.302 | Rp 69.146.331 | floating |
| 170 | Rp 6.567.593 | Rp 6.057.639 | Rp 509.954 | Rp 63.088.692 | floating |
| 171 | Rp 6.567.593 | Rp 6.102.314 | Rp 465.279 | Rp 56.986.378 | floating |
| 172 | Rp 6.567.593 | Rp 6.147.318 | Rp 420.275 | Rp 50.839.060 | floating |
| 173 | Rp 6.567.593 | Rp 6.192.655 | Rp 374.938 | Rp 44.646.405 | floating |
| 174 | Rp 6.567.593 | Rp 6.238.326 | Rp 329.267 | Rp 38.408.079 | floating |
| 175 | Rp 6.567.593 | Rp 6.284.333 | Rp 283.260 | Rp 32.123.746 | floating |
| 176 | Rp 6.567.593 | Rp 6.330.680 | Rp 236.913 | Rp 25.793.065 | floating |
| 177 | Rp 6.567.593 | Rp 6.377.369 | Rp 190.224 | Rp 19.415.696 | floating |
| 178 | Rp 6.567.593 | Rp 6.424.402 | Rp 143.191 | Rp 12.991.294 | floating |
| 179 | Rp 6.567.593 | Rp 6.471.782 | Rp 95.811 | Rp 6.519.512 | floating |
| 180 | Rp 6.567.593 | Rp 6.519.512 | Rp 48.081 | 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 HSBC Rp 1 miliar 15 tahun
| Pokok pinjaman | Rp 1.000.000.000 |
| Bunga fixed | 5% selama 3 tahun |
| Bunga floating estimasi | 8,85% |
| Tenor total | 15 tahun (180 bulan) |
| Cicilan tahun fixed | Rp 7.907.936/bulan |
| Cicilan estimasi tahun floating | Rp 9.658.225/bulan |
| Total bunga sepanjang tenor | Rp 675.470.110 |
| Total dibayar | Rp 1.675.470.110 |
Pertimbangan untuk pinjaman Rp 1 miliar
Pinjaman Rp 1 miliar dengan tenor 15 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 23.723.809/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 67.547.011 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 HSBC
Khusus nasabah Premier (saldo min Rp 500jt). Sumber rate card: https://www.hsbc.co.id/loans/products/mortgages/.
Pertanyaan yang sering diajukan
Berapa cicilan KPR HSBC Rp 1 miliar 15 tahun?
Untuk pinjaman Rp 1 miliar dengan tenor 15 tahun, cicilan tahun fixed (3 tahun pertama, bunga 5%) sekitar Rp 7.907.936. Setelah masa fixed, cicilan estimasi Rp 9.658.225 dengan bunga floating ~8.85%.
Berapa total bunga yang dibayar untuk KPR Rp 1 miliar 15 tahun di HSBC?
Total bunga estimasi sekitar Rp 675.470.110 sepanjang tenor 15 tahun. Total dibayar (pokok + bunga) sekitar Rp 1.675.470.110. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR HSBC?
HSBC mensyaratkan DP minimum 15% 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 HSBC Indonesia 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 HSBC untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 1 miliar 15 tahun)
- Simulasi KPR BCA Rp 1 miliar 15 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 1 miliar 15 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 1 miliar 15 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 1 miliar 15 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 1 miliar 15 tahun (fixed 5%)
Skenario lain HSBC
- KPR HSBC Rp 200 juta tenor 15 tahun
- KPR HSBC Rp 300 juta tenor 15 tahun
- KPR HSBC Rp 500 juta tenor 15 tahun
- KPR HSBC Rp 750 juta tenor 15 tahun
- KPR HSBC Rp 1 miliar tenor 5 tahun
- KPR HSBC Rp 1 miliar tenor 10 tahun
- KPR HSBC Rp 1 miliar tenor 20 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi HSBC. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.