Simulasi KPR KEB Hana Rp 750 juta Tenor 5 tahun
Hitung cicilan KPR KEB Hana untuk pinjaman Rp 750 juta dengan tenor 5 tahun. Pakai parameter rate card publik PT Bank KEB Hana Indonesia.
Data per 02-05-2026 · Sumber: Rate card publik KEB Hana
Cicilan tahun fixed (3 tahun pertama)
Rp 14.239.488/bulan
Lalu cicilan estimasi tahun floating: Rp 14.790.280/bulan
Sesuaikan parameter
Simulasi memakai parameter KEB Hana KPR. 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 5.787.920
Cicilan estimasi tahun floating (sisa 12 tahun)
Rp 7.026.090
Total bunga / margin dibayar
Rp 500.122.123
Total dibayar (pokok + bunga)
Rp 1.220.122.123
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 5.787.920 | Rp 2.637.920 | Rp 3.150.000 | Rp 717.362.080 | fixed |
| 2 | Rp 5.787.920 | Rp 2.649.460 | Rp 3.138.459 | Rp 714.712.620 | fixed |
| 3 | Rp 5.787.920 | Rp 2.661.052 | Rp 3.126.868 | Rp 712.051.568 | fixed |
| 4 | Rp 5.787.920 | Rp 2.672.694 | Rp 3.115.226 | Rp 709.378.874 | fixed |
| 5 | Rp 5.787.920 | Rp 2.684.387 | Rp 3.103.533 | Rp 706.694.487 | fixed |
| 6 | Rp 5.787.920 | Rp 2.696.131 | Rp 3.091.788 | Rp 703.998.356 | fixed |
| 7 | Rp 5.787.920 | Rp 2.707.927 | Rp 3.079.993 | Rp 701.290.429 | fixed |
| 8 | Rp 5.787.920 | Rp 2.719.774 | Rp 3.068.146 | Rp 698.570.655 | fixed |
| 9 | Rp 5.787.920 | Rp 2.731.673 | Rp 3.056.247 | Rp 695.838.982 | fixed |
| 10 | Rp 5.787.920 | Rp 2.743.624 | Rp 3.044.296 | Rp 693.095.358 | fixed |
| 11 | Rp 5.787.920 | Rp 2.755.627 | Rp 3.032.292 | Rp 690.339.731 | fixed |
| 12 | Rp 5.787.920 | Rp 2.767.683 | Rp 3.020.236 | Rp 687.572.048 | fixed |
| 13 | Rp 5.787.920 | Rp 2.779.792 | Rp 3.008.128 | Rp 684.792.256 | fixed |
| 14 | Rp 5.787.920 | Rp 2.791.953 | Rp 2.995.966 | Rp 682.000.303 | fixed |
| 15 | Rp 5.787.920 | Rp 2.804.168 | Rp 2.983.751 | Rp 679.196.134 | fixed |
| 16 | Rp 5.787.920 | Rp 2.816.436 | Rp 2.971.483 | Rp 676.379.698 | fixed |
| 17 | Rp 5.787.920 | Rp 2.828.758 | Rp 2.959.161 | Rp 673.550.940 | fixed |
| 18 | Rp 5.787.920 | Rp 2.841.134 | Rp 2.946.785 | Rp 670.709.805 | fixed |
| 19 | Rp 5.787.920 | Rp 2.853.564 | Rp 2.934.355 | Rp 667.856.241 | fixed |
| 20 | Rp 5.787.920 | Rp 2.866.048 | Rp 2.921.871 | Rp 664.990.193 | fixed |
| 21 | Rp 5.787.920 | Rp 2.878.587 | Rp 2.909.332 | Rp 662.111.605 | fixed |
| 22 | Rp 5.787.920 | Rp 2.891.181 | Rp 2.896.738 | Rp 659.220.424 | fixed |
| 23 | Rp 5.787.920 | Rp 2.903.830 | Rp 2.884.089 | Rp 656.316.594 | fixed |
| 24 | Rp 5.787.920 | Rp 2.916.534 | Rp 2.871.385 | Rp 653.400.059 | fixed |
| 25 | Rp 5.787.920 | Rp 2.929.294 | Rp 2.858.625 | Rp 650.470.765 | fixed |
| 26 | Rp 5.787.920 | Rp 2.942.110 | Rp 2.845.810 | Rp 647.528.655 | fixed |
| 27 | Rp 5.787.920 | Rp 2.954.982 | Rp 2.832.938 | Rp 644.573.673 | fixed |
| 28 | Rp 5.787.920 | Rp 2.967.910 | Rp 2.820.010 | Rp 641.605.764 | fixed |
| 29 | Rp 5.787.920 | Rp 2.980.894 | Rp 2.807.025 | Rp 638.624.869 | fixed |
| 30 | Rp 5.787.920 | Rp 2.993.936 | Rp 2.793.984 | Rp 635.630.934 | fixed |
| 31 | Rp 5.787.920 | Rp 3.007.034 | Rp 2.780.885 | Rp 632.623.899 | fixed |
| 32 | Rp 5.787.920 | Rp 3.020.190 | Rp 2.767.730 | Rp 629.603.709 | fixed |
| 33 | Rp 5.787.920 | Rp 3.033.403 | Rp 2.754.516 | Rp 626.570.306 | fixed |
| 34 | Rp 5.787.920 | Rp 3.046.674 | Rp 2.741.245 | Rp 623.523.632 | fixed |
| 35 | Rp 5.787.920 | Rp 3.060.004 | Rp 2.727.916 | Rp 620.463.628 | fixed |
| 36 | Rp 5.787.920 | Rp 3.073.391 | Rp 2.714.528 | Rp 617.390.237 | fixed |
| 37 | Rp 7.026.090 | Rp 2.395.664 | Rp 4.630.427 | Rp 614.994.573 | floating |
| 38 | Rp 7.026.090 | Rp 2.413.631 | Rp 4.612.459 | Rp 612.580.942 | floating |
| 39 | Rp 7.026.090 | Rp 2.431.733 | Rp 4.594.357 | Rp 610.149.209 | floating |
| 40 | Rp 7.026.090 | Rp 2.449.971 | Rp 4.576.119 | Rp 607.699.237 | floating |
| 41 | Rp 7.026.090 | Rp 2.468.346 | Rp 4.557.744 | Rp 605.230.891 | floating |
| 42 | Rp 7.026.090 | Rp 2.486.859 | Rp 4.539.232 | Rp 602.744.032 | floating |
| 43 | Rp 7.026.090 | Rp 2.505.510 | Rp 4.520.580 | Rp 600.238.522 | floating |
| 44 | Rp 7.026.090 | Rp 2.524.301 | Rp 4.501.789 | Rp 597.714.221 | floating |
| 45 | Rp 7.026.090 | Rp 2.543.234 | Rp 4.482.857 | Rp 595.170.987 | floating |
| 46 | Rp 7.026.090 | Rp 2.562.308 | Rp 4.463.782 | Rp 592.608.679 | floating |
| 47 | Rp 7.026.090 | Rp 2.581.525 | Rp 4.444.565 | Rp 590.027.154 | floating |
| 48 | Rp 7.026.090 | Rp 2.600.887 | Rp 4.425.204 | Rp 587.426.267 | floating |
| 49 | Rp 7.026.090 | Rp 2.620.393 | Rp 4.405.697 | Rp 584.805.874 | floating |
| 50 | Rp 7.026.090 | Rp 2.640.046 | Rp 4.386.044 | Rp 582.165.827 | floating |
| 51 | Rp 7.026.090 | Rp 2.659.847 | Rp 4.366.244 | Rp 579.505.980 | floating |
| 52 | Rp 7.026.090 | Rp 2.679.796 | Rp 4.346.295 | Rp 576.826.185 | floating |
| 53 | Rp 7.026.090 | Rp 2.699.894 | Rp 4.326.196 | Rp 574.126.291 | floating |
| 54 | Rp 7.026.090 | Rp 2.720.143 | Rp 4.305.947 | Rp 571.406.148 | floating |
| 55 | Rp 7.026.090 | Rp 2.740.544 | Rp 4.285.546 | Rp 568.665.603 | floating |
| 56 | Rp 7.026.090 | Rp 2.761.098 | Rp 4.264.992 | Rp 565.904.505 | floating |
| 57 | Rp 7.026.090 | Rp 2.781.807 | Rp 4.244.284 | Rp 563.122.698 | floating |
| 58 | Rp 7.026.090 | Rp 2.802.670 | Rp 4.223.420 | Rp 560.320.028 | floating |
| 59 | Rp 7.026.090 | Rp 2.823.690 | Rp 4.202.400 | Rp 557.496.338 | floating |
| 60 | Rp 7.026.090 | Rp 2.844.868 | Rp 4.181.223 | Rp 554.651.470 | floating |
| 61 | Rp 7.026.090 | Rp 2.866.204 | Rp 4.159.886 | Rp 551.785.266 | floating |
| 62 | Rp 7.026.090 | Rp 2.887.701 | Rp 4.138.389 | Rp 548.897.565 | floating |
| 63 | Rp 7.026.090 | Rp 2.909.359 | Rp 4.116.732 | Rp 545.988.206 | floating |
| 64 | Rp 7.026.090 | Rp 2.931.179 | Rp 4.094.912 | Rp 543.057.027 | floating |
| 65 | Rp 7.026.090 | Rp 2.953.163 | Rp 4.072.928 | Rp 540.103.864 | floating |
| 66 | Rp 7.026.090 | Rp 2.975.311 | Rp 4.050.779 | Rp 537.128.553 | floating |
| 67 | Rp 7.026.090 | Rp 2.997.626 | Rp 4.028.464 | Rp 534.130.927 | floating |
| 68 | Rp 7.026.090 | Rp 3.020.108 | Rp 4.005.982 | Rp 531.110.818 | floating |
| 69 | Rp 7.026.090 | Rp 3.042.759 | Rp 3.983.331 | Rp 528.068.059 | floating |
| 70 | Rp 7.026.090 | Rp 3.065.580 | Rp 3.960.510 | Rp 525.002.479 | floating |
| 71 | Rp 7.026.090 | Rp 3.088.572 | Rp 3.937.519 | Rp 521.913.907 | floating |
| 72 | Rp 7.026.090 | Rp 3.111.736 | Rp 3.914.354 | Rp 518.802.171 | floating |
| 73 | Rp 7.026.090 | Rp 3.135.074 | Rp 3.891.016 | Rp 515.667.097 | floating |
| 74 | Rp 7.026.090 | Rp 3.158.587 | Rp 3.867.503 | Rp 512.508.510 | floating |
| 75 | Rp 7.026.090 | Rp 3.182.277 | Rp 3.843.814 | Rp 509.326.233 | floating |
| 76 | Rp 7.026.090 | Rp 3.206.144 | Rp 3.819.947 | Rp 506.120.090 | floating |
| 77 | Rp 7.026.090 | Rp 3.230.190 | Rp 3.795.901 | Rp 502.889.900 | floating |
| 78 | Rp 7.026.090 | Rp 3.254.416 | Rp 3.771.674 | Rp 499.635.484 | floating |
| 79 | Rp 7.026.090 | Rp 3.278.824 | Rp 3.747.266 | Rp 496.356.659 | floating |
| 80 | Rp 7.026.090 | Rp 3.303.415 | Rp 3.722.675 | Rp 493.053.244 | floating |
| 81 | Rp 7.026.090 | Rp 3.328.191 | Rp 3.697.899 | Rp 489.725.053 | floating |
| 82 | Rp 7.026.090 | Rp 3.353.153 | Rp 3.672.938 | Rp 486.371.900 | floating |
| 83 | Rp 7.026.090 | Rp 3.378.301 | Rp 3.647.789 | Rp 482.993.599 | floating |
| 84 | Rp 7.026.090 | Rp 3.403.638 | Rp 3.622.452 | Rp 479.589.961 | floating |
| 85 | Rp 7.026.090 | Rp 3.429.166 | Rp 3.596.925 | Rp 476.160.795 | floating |
| 86 | Rp 7.026.090 | Rp 3.454.884 | Rp 3.571.206 | Rp 472.705.911 | floating |
| 87 | Rp 7.026.090 | Rp 3.480.796 | Rp 3.545.294 | Rp 469.225.115 | floating |
| 88 | Rp 7.026.090 | Rp 3.506.902 | Rp 3.519.188 | Rp 465.718.212 | floating |
| 89 | Rp 7.026.090 | Rp 3.533.204 | Rp 3.492.887 | Rp 462.185.009 | floating |
| 90 | Rp 7.026.090 | Rp 3.559.703 | Rp 3.466.388 | Rp 458.625.306 | floating |
| 91 | Rp 7.026.090 | Rp 3.586.401 | Rp 3.439.690 | Rp 455.038.905 | floating |
| 92 | Rp 7.026.090 | Rp 3.613.299 | Rp 3.412.792 | Rp 451.425.607 | floating |
| 93 | Rp 7.026.090 | Rp 3.640.398 | Rp 3.385.692 | Rp 447.785.208 | floating |
| 94 | Rp 7.026.090 | Rp 3.667.701 | Rp 3.358.389 | Rp 444.117.507 | floating |
| 95 | Rp 7.026.090 | Rp 3.695.209 | Rp 3.330.881 | Rp 440.422.298 | floating |
| 96 | Rp 7.026.090 | Rp 3.722.923 | Rp 3.303.167 | Rp 436.699.375 | floating |
| 97 | Rp 7.026.090 | Rp 3.750.845 | Rp 3.275.245 | Rp 432.948.529 | floating |
| 98 | Rp 7.026.090 | Rp 3.778.976 | Rp 3.247.114 | Rp 429.169.553 | floating |
| 99 | Rp 7.026.090 | Rp 3.807.319 | Rp 3.218.772 | Rp 425.362.234 | floating |
| 100 | Rp 7.026.090 | Rp 3.835.874 | Rp 3.190.217 | Rp 421.526.361 | floating |
| 101 | Rp 7.026.090 | Rp 3.864.643 | Rp 3.161.448 | Rp 417.661.718 | floating |
| 102 | Rp 7.026.090 | Rp 3.893.628 | Rp 3.132.463 | Rp 413.768.090 | floating |
| 103 | Rp 7.026.090 | Rp 3.922.830 | Rp 3.103.261 | Rp 409.845.261 | floating |
| 104 | Rp 7.026.090 | Rp 3.952.251 | Rp 3.073.839 | Rp 405.893.010 | floating |
| 105 | Rp 7.026.090 | Rp 3.981.893 | Rp 3.044.198 | Rp 401.911.117 | floating |
| 106 | Rp 7.026.090 | Rp 4.011.757 | Rp 3.014.333 | Rp 397.899.360 | floating |
| 107 | Rp 7.026.090 | Rp 4.041.845 | Rp 2.984.245 | Rp 393.857.515 | floating |
| 108 | Rp 7.026.090 | Rp 4.072.159 | Rp 2.953.931 | Rp 389.785.355 | floating |
| 109 | Rp 7.026.090 | Rp 4.102.700 | Rp 2.923.390 | Rp 385.682.655 | floating |
| 110 | Rp 7.026.090 | Rp 4.133.470 | Rp 2.892.620 | Rp 381.549.185 | floating |
| 111 | Rp 7.026.090 | Rp 4.164.472 | Rp 2.861.619 | Rp 377.384.713 | floating |
| 112 | Rp 7.026.090 | Rp 4.195.705 | Rp 2.830.385 | Rp 373.189.008 | floating |
| 113 | Rp 7.026.090 | Rp 4.227.173 | Rp 2.798.918 | Rp 368.961.835 | floating |
| 114 | Rp 7.026.090 | Rp 4.258.877 | Rp 2.767.214 | Rp 364.702.959 | floating |
| 115 | Rp 7.026.090 | Rp 4.290.818 | Rp 2.735.272 | Rp 360.412.140 | floating |
| 116 | Rp 7.026.090 | Rp 4.322.999 | Rp 2.703.091 | Rp 356.089.141 | floating |
| 117 | Rp 7.026.090 | Rp 4.355.422 | Rp 2.670.669 | Rp 351.733.719 | floating |
| 118 | Rp 7.026.090 | Rp 4.388.088 | Rp 2.638.003 | Rp 347.345.632 | floating |
| 119 | Rp 7.026.090 | Rp 4.420.998 | Rp 2.605.092 | Rp 342.924.634 | floating |
| 120 | Rp 7.026.090 | Rp 4.454.156 | Rp 2.571.935 | Rp 338.470.478 | floating |
| 121 | Rp 7.026.090 | Rp 4.487.562 | Rp 2.538.529 | Rp 333.982.916 | floating |
| 122 | Rp 7.026.090 | Rp 4.521.219 | Rp 2.504.872 | Rp 329.461.697 | floating |
| 123 | Rp 7.026.090 | Rp 4.555.128 | Rp 2.470.963 | Rp 324.906.570 | floating |
| 124 | Rp 7.026.090 | Rp 4.589.291 | Rp 2.436.799 | Rp 320.317.279 | floating |
| 125 | Rp 7.026.090 | Rp 4.623.711 | Rp 2.402.380 | Rp 315.693.568 | floating |
| 126 | Rp 7.026.090 | Rp 4.658.389 | Rp 2.367.702 | Rp 311.035.179 | floating |
| 127 | Rp 7.026.090 | Rp 4.693.327 | Rp 2.332.764 | Rp 306.341.853 | floating |
| 128 | Rp 7.026.090 | Rp 4.728.527 | Rp 2.297.564 | Rp 301.613.326 | floating |
| 129 | Rp 7.026.090 | Rp 4.763.990 | Rp 2.262.100 | Rp 296.849.336 | floating |
| 130 | Rp 7.026.090 | Rp 4.799.720 | Rp 2.226.370 | Rp 292.049.615 | floating |
| 131 | Rp 7.026.090 | Rp 4.835.718 | Rp 2.190.372 | Rp 287.213.897 | floating |
| 132 | Rp 7.026.090 | Rp 4.871.986 | Rp 2.154.104 | Rp 282.341.911 | floating |
| 133 | Rp 7.026.090 | Rp 4.908.526 | Rp 2.117.564 | Rp 277.433.385 | floating |
| 134 | Rp 7.026.090 | Rp 4.945.340 | Rp 2.080.750 | Rp 272.488.045 | floating |
| 135 | Rp 7.026.090 | Rp 4.982.430 | Rp 2.043.660 | Rp 267.505.615 | floating |
| 136 | Rp 7.026.090 | Rp 5.019.798 | Rp 2.006.292 | Rp 262.485.816 | floating |
| 137 | Rp 7.026.090 | Rp 5.057.447 | Rp 1.968.644 | Rp 257.428.369 | floating |
| 138 | Rp 7.026.090 | Rp 5.095.378 | Rp 1.930.713 | Rp 252.332.992 | floating |
| 139 | Rp 7.026.090 | Rp 5.133.593 | Rp 1.892.497 | Rp 247.199.399 | floating |
| 140 | Rp 7.026.090 | Rp 5.172.095 | Rp 1.853.995 | Rp 242.027.304 | floating |
| 141 | Rp 7.026.090 | Rp 5.210.886 | Rp 1.815.205 | Rp 236.816.418 | floating |
| 142 | Rp 7.026.090 | Rp 5.249.967 | Rp 1.776.123 | Rp 231.566.451 | floating |
| 143 | Rp 7.026.090 | Rp 5.289.342 | Rp 1.736.748 | Rp 226.277.109 | floating |
| 144 | Rp 7.026.090 | Rp 5.329.012 | Rp 1.697.078 | Rp 220.948.097 | floating |
| 145 | Rp 7.026.090 | Rp 5.368.980 | Rp 1.657.111 | Rp 215.579.117 | floating |
| 146 | Rp 7.026.090 | Rp 5.409.247 | Rp 1.616.843 | Rp 210.169.870 | floating |
| 147 | Rp 7.026.090 | Rp 5.449.816 | Rp 1.576.274 | Rp 204.720.054 | floating |
| 148 | Rp 7.026.090 | Rp 5.490.690 | Rp 1.535.400 | Rp 199.229.364 | floating |
| 149 | Rp 7.026.090 | Rp 5.531.870 | Rp 1.494.220 | Rp 193.697.494 | floating |
| 150 | Rp 7.026.090 | Rp 5.573.359 | Rp 1.452.731 | Rp 188.124.134 | floating |
| 151 | Rp 7.026.090 | Rp 5.615.159 | Rp 1.410.931 | Rp 182.508.975 | floating |
| 152 | Rp 7.026.090 | Rp 5.657.273 | Rp 1.368.817 | Rp 176.851.702 | floating |
| 153 | Rp 7.026.090 | Rp 5.699.703 | Rp 1.326.388 | Rp 171.151.999 | floating |
| 154 | Rp 7.026.090 | Rp 5.742.450 | Rp 1.283.640 | Rp 165.409.549 | floating |
| 155 | Rp 7.026.090 | Rp 5.785.519 | Rp 1.240.572 | Rp 159.624.030 | floating |
| 156 | Rp 7.026.090 | Rp 5.828.910 | Rp 1.197.180 | Rp 153.795.120 | floating |
| 157 | Rp 7.026.090 | Rp 5.872.627 | Rp 1.153.463 | Rp 147.922.493 | floating |
| 158 | Rp 7.026.090 | Rp 5.916.672 | Rp 1.109.419 | Rp 142.005.821 | floating |
| 159 | Rp 7.026.090 | Rp 5.961.047 | Rp 1.065.044 | Rp 136.044.774 | floating |
| 160 | Rp 7.026.090 | Rp 6.005.755 | Rp 1.020.336 | Rp 130.039.020 | floating |
| 161 | Rp 7.026.090 | Rp 6.050.798 | Rp 975.293 | Rp 123.988.222 | floating |
| 162 | Rp 7.026.090 | Rp 6.096.179 | Rp 929.912 | Rp 117.892.043 | floating |
| 163 | Rp 7.026.090 | Rp 6.141.900 | Rp 884.190 | Rp 111.750.143 | floating |
| 164 | Rp 7.026.090 | Rp 6.187.964 | Rp 838.126 | Rp 105.562.179 | floating |
| 165 | Rp 7.026.090 | Rp 6.234.374 | Rp 791.716 | Rp 99.327.805 | floating |
| 166 | Rp 7.026.090 | Rp 6.281.132 | Rp 744.959 | Rp 93.046.673 | floating |
| 167 | Rp 7.026.090 | Rp 6.328.240 | Rp 697.850 | Rp 86.718.432 | floating |
| 168 | Rp 7.026.090 | Rp 6.375.702 | Rp 650.388 | Rp 80.342.730 | floating |
| 169 | Rp 7.026.090 | Rp 6.423.520 | Rp 602.570 | Rp 73.919.210 | floating |
| 170 | Rp 7.026.090 | Rp 6.471.696 | Rp 554.394 | Rp 67.447.514 | floating |
| 171 | Rp 7.026.090 | Rp 6.520.234 | Rp 505.856 | Rp 60.927.280 | floating |
| 172 | Rp 7.026.090 | Rp 6.569.136 | Rp 456.955 | Rp 54.358.144 | floating |
| 173 | Rp 7.026.090 | Rp 6.618.404 | Rp 407.686 | Rp 47.739.740 | floating |
| 174 | Rp 7.026.090 | Rp 6.668.042 | Rp 358.048 | Rp 41.071.697 | floating |
| 175 | Rp 7.026.090 | Rp 6.718.053 | Rp 308.038 | Rp 34.353.645 | floating |
| 176 | Rp 7.026.090 | Rp 6.768.438 | Rp 257.652 | Rp 27.585.207 | floating |
| 177 | Rp 7.026.090 | Rp 6.819.201 | Rp 206.889 | Rp 20.766.005 | floating |
| 178 | Rp 7.026.090 | Rp 6.870.345 | Rp 155.745 | Rp 13.895.660 | floating |
| 179 | Rp 7.026.090 | Rp 6.921.873 | Rp 104.217 | Rp 6.973.787 | floating |
| 180 | Rp 7.026.090 | Rp 6.973.787 | Rp 52.303 | 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 KEB Hana Rp 750 juta 5 tahun
| Pokok pinjaman | Rp 750.000.000 |
| Bunga fixed | 5,25% selama 3 tahun |
| Bunga floating estimasi | 9% |
| Tenor total | 5 tahun (60 bulan) |
| Cicilan tahun fixed | Rp 14.239.488/bulan |
| Cicilan estimasi tahun floating | Rp 14.790.280/bulan |
| Total bunga sepanjang tenor | Rp 117.588.276 |
| Total dibayar | Rp 867.588.276 |
Pertimbangan untuk pinjaman Rp 750 juta
Pinjaman Rp 750 juta dengan tenor 5 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 42.718.464/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:
- DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 937.500.000 bisa menghemat sekitar Rp 11.758.828 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 KEB Hana
KEB Hana KPR adalah produk KPR PT Bank KEB Hana Indonesia dengan skema fixed-floating standar perbankan Indonesia. Sumber rate card: https://www.kebhana.co.id/id/personal/loan/kpr.
Pertanyaan yang sering diajukan
Berapa cicilan KPR KEB Hana Rp 750 juta 5 tahun?
Untuk pinjaman Rp 750 juta dengan tenor 5 tahun, cicilan tahun fixed (3 tahun pertama, bunga 5.25%) sekitar Rp 14.239.488. Setelah masa fixed, cicilan estimasi Rp 14.790.280 dengan bunga floating ~9%.
Berapa total bunga yang dibayar untuk KPR Rp 750 juta 5 tahun di KEB Hana?
Total bunga estimasi sekitar Rp 117.588.276 sepanjang tenor 5 tahun. Total dibayar (pokok + bunga) sekitar Rp 867.588.276. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR KEB Hana?
KEB Hana 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 KEB Hana 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 KEB Hana untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 750 juta 5 tahun)
- Simulasi KPR BCA Rp 750 juta 5 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 750 juta 5 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 750 juta 5 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 750 juta 5 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 750 juta 5 tahun (fixed 5%)
Skenario lain KEB Hana
- KPR KEB Hana Rp 200 juta tenor 5 tahun
- KPR KEB Hana Rp 300 juta tenor 5 tahun
- KPR KEB Hana Rp 500 juta tenor 5 tahun
- KPR KEB Hana Rp 1 miliar tenor 5 tahun
- KPR KEB Hana Rp 750 juta tenor 10 tahun
- KPR KEB Hana Rp 750 juta tenor 15 tahun
- KPR KEB Hana Rp 750 juta tenor 20 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi KEB Hana. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.