Simulasi KPR Mandiri Rp 1 miliar Tenor 10 tahun
Hitung cicilan KPR Mandiri untuk pinjaman Rp 1 miliar dengan tenor 10 tahun. Pakai parameter rate card publik PT Bank Mandiri (Persero) Tbk.
Data per 02-05-2026 · Sumber: Rate card publik Mandiri
Cicilan tahun fixed (3 tahun pertama)
Rp 10.601.664/bulan
Lalu cicilan estimasi tahun floating: Rp 12.072.225/bulan
Sesuaikan parameter
Simulasi memakai parameter KPR Mandiri. 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 5.689.964
Cicilan estimasi tahun floating (sisa 12 tahun)
Rp 7.005.011
Total bunga / margin dibayar
Rp 493.560.279
Total dibayar (pokok + bunga)
Rp 1.213.560.279
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 5.689.964 | Rp 2.695.964 | Rp 2.994.000 | Rp 717.304.036 | fixed |
| 2 | Rp 5.689.964 | Rp 2.707.175 | Rp 2.982.789 | Rp 714.596.861 | fixed |
| 3 | Rp 5.689.964 | Rp 2.718.432 | Rp 2.971.532 | Rp 711.878.429 | fixed |
| 4 | Rp 5.689.964 | Rp 2.729.736 | Rp 2.960.228 | Rp 709.148.692 | fixed |
| 5 | Rp 5.689.964 | Rp 2.741.088 | Rp 2.948.877 | Rp 706.407.605 | fixed |
| 6 | Rp 5.689.964 | Rp 2.752.486 | Rp 2.937.478 | Rp 703.655.119 | fixed |
| 7 | Rp 5.689.964 | Rp 2.763.932 | Rp 2.926.033 | Rp 700.891.187 | fixed |
| 8 | Rp 5.689.964 | Rp 2.775.425 | Rp 2.914.539 | Rp 698.115.762 | fixed |
| 9 | Rp 5.689.964 | Rp 2.786.966 | Rp 2.902.998 | Rp 695.328.796 | fixed |
| 10 | Rp 5.689.964 | Rp 2.798.555 | Rp 2.891.409 | Rp 692.530.241 | fixed |
| 11 | Rp 5.689.964 | Rp 2.810.193 | Rp 2.879.772 | Rp 689.720.048 | fixed |
| 12 | Rp 5.689.964 | Rp 2.821.878 | Rp 2.868.086 | Rp 686.898.170 | fixed |
| 13 | Rp 5.689.964 | Rp 2.833.613 | Rp 2.856.352 | Rp 684.064.557 | fixed |
| 14 | Rp 5.689.964 | Rp 2.845.396 | Rp 2.844.568 | Rp 681.219.161 | fixed |
| 15 | Rp 5.689.964 | Rp 2.857.228 | Rp 2.832.736 | Rp 678.361.934 | fixed |
| 16 | Rp 5.689.964 | Rp 2.869.109 | Rp 2.820.855 | Rp 675.492.824 | fixed |
| 17 | Rp 5.689.964 | Rp 2.881.040 | Rp 2.808.924 | Rp 672.611.785 | fixed |
| 18 | Rp 5.689.964 | Rp 2.893.020 | Rp 2.796.944 | Rp 669.718.764 | fixed |
| 19 | Rp 5.689.964 | Rp 2.905.050 | Rp 2.784.914 | Rp 666.813.714 | fixed |
| 20 | Rp 5.689.964 | Rp 2.917.130 | Rp 2.772.834 | Rp 663.896.584 | fixed |
| 21 | Rp 5.689.964 | Rp 2.929.261 | Rp 2.760.703 | Rp 660.967.323 | fixed |
| 22 | Rp 5.689.964 | Rp 2.941.442 | Rp 2.748.522 | Rp 658.025.881 | fixed |
| 23 | Rp 5.689.964 | Rp 2.953.673 | Rp 2.736.291 | Rp 655.072.208 | fixed |
| 24 | Rp 5.689.964 | Rp 2.965.956 | Rp 2.724.009 | Rp 652.106.252 | fixed |
| 25 | Rp 5.689.964 | Rp 2.978.289 | Rp 2.711.675 | Rp 649.127.963 | fixed |
| 26 | Rp 5.689.964 | Rp 2.990.674 | Rp 2.699.290 | Rp 646.137.289 | fixed |
| 27 | Rp 5.689.964 | Rp 3.003.110 | Rp 2.686.854 | Rp 643.134.179 | fixed |
| 28 | Rp 5.689.964 | Rp 3.015.598 | Rp 2.674.366 | Rp 640.118.582 | fixed |
| 29 | Rp 5.689.964 | Rp 3.028.138 | Rp 2.661.826 | Rp 637.090.444 | fixed |
| 30 | Rp 5.689.964 | Rp 3.040.730 | Rp 2.649.234 | Rp 634.049.714 | fixed |
| 31 | Rp 5.689.964 | Rp 3.053.374 | Rp 2.636.590 | Rp 630.996.340 | fixed |
| 32 | Rp 5.689.964 | Rp 3.066.071 | Rp 2.623.893 | Rp 627.930.269 | fixed |
| 33 | Rp 5.689.964 | Rp 3.078.821 | Rp 2.611.143 | Rp 624.851.448 | fixed |
| 34 | Rp 5.689.964 | Rp 3.091.624 | Rp 2.598.341 | Rp 621.759.824 | fixed |
| 35 | Rp 5.689.964 | Rp 3.104.480 | Rp 2.585.485 | Rp 618.655.345 | fixed |
| 36 | Rp 5.689.964 | Rp 3.117.389 | Rp 2.572.575 | Rp 615.537.956 | fixed |
| 37 | Rp 7.005.011 | Rp 2.388.476 | Rp 4.616.535 | Rp 613.149.480 | floating |
| 38 | Rp 7.005.011 | Rp 2.406.390 | Rp 4.598.621 | Rp 610.743.090 | floating |
| 39 | Rp 7.005.011 | Rp 2.424.438 | Rp 4.580.573 | Rp 608.318.652 | floating |
| 40 | Rp 7.005.011 | Rp 2.442.621 | Rp 4.562.390 | Rp 605.876.031 | floating |
| 41 | Rp 7.005.011 | Rp 2.460.941 | Rp 4.544.070 | Rp 603.415.090 | floating |
| 42 | Rp 7.005.011 | Rp 2.479.398 | Rp 4.525.613 | Rp 600.935.693 | floating |
| 43 | Rp 7.005.011 | Rp 2.497.993 | Rp 4.507.018 | Rp 598.437.700 | floating |
| 44 | Rp 7.005.011 | Rp 2.516.728 | Rp 4.488.283 | Rp 595.920.971 | floating |
| 45 | Rp 7.005.011 | Rp 2.535.604 | Rp 4.469.407 | Rp 593.385.368 | floating |
| 46 | Rp 7.005.011 | Rp 2.554.621 | Rp 4.450.390 | Rp 590.830.747 | floating |
| 47 | Rp 7.005.011 | Rp 2.573.780 | Rp 4.431.231 | Rp 588.256.967 | floating |
| 48 | Rp 7.005.011 | Rp 2.593.084 | Rp 4.411.927 | Rp 585.663.883 | floating |
| 49 | Rp 7.005.011 | Rp 2.612.532 | Rp 4.392.479 | Rp 583.051.351 | floating |
| 50 | Rp 7.005.011 | Rp 2.632.126 | Rp 4.372.885 | Rp 580.419.226 | floating |
| 51 | Rp 7.005.011 | Rp 2.651.867 | Rp 4.353.144 | Rp 577.767.359 | floating |
| 52 | Rp 7.005.011 | Rp 2.671.756 | Rp 4.333.255 | Rp 575.095.603 | floating |
| 53 | Rp 7.005.011 | Rp 2.691.794 | Rp 4.313.217 | Rp 572.403.809 | floating |
| 54 | Rp 7.005.011 | Rp 2.711.982 | Rp 4.293.029 | Rp 569.691.827 | floating |
| 55 | Rp 7.005.011 | Rp 2.732.322 | Rp 4.272.689 | Rp 566.959.505 | floating |
| 56 | Rp 7.005.011 | Rp 2.752.815 | Rp 4.252.196 | Rp 564.206.690 | floating |
| 57 | Rp 7.005.011 | Rp 2.773.461 | Rp 4.231.550 | Rp 561.433.230 | floating |
| 58 | Rp 7.005.011 | Rp 2.794.262 | Rp 4.210.749 | Rp 558.638.968 | floating |
| 59 | Rp 7.005.011 | Rp 2.815.219 | Rp 4.189.792 | Rp 555.823.749 | floating |
| 60 | Rp 7.005.011 | Rp 2.836.333 | Rp 4.168.678 | Rp 552.987.417 | floating |
| 61 | Rp 7.005.011 | Rp 2.857.605 | Rp 4.147.406 | Rp 550.129.811 | floating |
| 62 | Rp 7.005.011 | Rp 2.879.037 | Rp 4.125.974 | Rp 547.250.774 | floating |
| 63 | Rp 7.005.011 | Rp 2.900.630 | Rp 4.104.381 | Rp 544.350.144 | floating |
| 64 | Rp 7.005.011 | Rp 2.922.385 | Rp 4.082.626 | Rp 541.427.759 | floating |
| 65 | Rp 7.005.011 | Rp 2.944.303 | Rp 4.060.708 | Rp 538.483.456 | floating |
| 66 | Rp 7.005.011 | Rp 2.966.385 | Rp 4.038.626 | Rp 535.517.071 | floating |
| 67 | Rp 7.005.011 | Rp 2.988.633 | Rp 4.016.378 | Rp 532.528.439 | floating |
| 68 | Rp 7.005.011 | Rp 3.011.048 | Rp 3.993.963 | Rp 529.517.391 | floating |
| 69 | Rp 7.005.011 | Rp 3.033.630 | Rp 3.971.380 | Rp 526.483.761 | floating |
| 70 | Rp 7.005.011 | Rp 3.056.383 | Rp 3.948.628 | Rp 523.427.378 | floating |
| 71 | Rp 7.005.011 | Rp 3.079.306 | Rp 3.925.705 | Rp 520.348.072 | floating |
| 72 | Rp 7.005.011 | Rp 3.102.400 | Rp 3.902.611 | Rp 517.245.672 | floating |
| 73 | Rp 7.005.011 | Rp 3.125.668 | Rp 3.879.343 | Rp 514.120.004 | floating |
| 74 | Rp 7.005.011 | Rp 3.149.111 | Rp 3.855.900 | Rp 510.970.893 | floating |
| 75 | Rp 7.005.011 | Rp 3.172.729 | Rp 3.832.282 | Rp 507.798.164 | floating |
| 76 | Rp 7.005.011 | Rp 3.196.525 | Rp 3.808.486 | Rp 504.601.639 | floating |
| 77 | Rp 7.005.011 | Rp 3.220.499 | Rp 3.784.512 | Rp 501.381.140 | floating |
| 78 | Rp 7.005.011 | Rp 3.244.652 | Rp 3.760.359 | Rp 498.136.488 | floating |
| 79 | Rp 7.005.011 | Rp 3.268.987 | Rp 3.736.024 | Rp 494.867.501 | floating |
| 80 | Rp 7.005.011 | Rp 3.293.505 | Rp 3.711.506 | Rp 491.573.996 | floating |
| 81 | Rp 7.005.011 | Rp 3.318.206 | Rp 3.686.805 | Rp 488.255.790 | floating |
| 82 | Rp 7.005.011 | Rp 3.343.092 | Rp 3.661.918 | Rp 484.912.698 | floating |
| 83 | Rp 7.005.011 | Rp 3.368.166 | Rp 3.636.845 | Rp 481.544.532 | floating |
| 84 | Rp 7.005.011 | Rp 3.393.427 | Rp 3.611.584 | Rp 478.151.105 | floating |
| 85 | Rp 7.005.011 | Rp 3.418.878 | Rp 3.586.133 | Rp 474.732.228 | floating |
| 86 | Rp 7.005.011 | Rp 3.444.519 | Rp 3.560.492 | Rp 471.287.708 | floating |
| 87 | Rp 7.005.011 | Rp 3.470.353 | Rp 3.534.658 | Rp 467.817.355 | floating |
| 88 | Rp 7.005.011 | Rp 3.496.381 | Rp 3.508.630 | Rp 464.320.975 | floating |
| 89 | Rp 7.005.011 | Rp 3.522.604 | Rp 3.482.407 | Rp 460.798.371 | floating |
| 90 | Rp 7.005.011 | Rp 3.549.023 | Rp 3.455.988 | Rp 457.249.348 | floating |
| 91 | Rp 7.005.011 | Rp 3.575.641 | Rp 3.429.370 | Rp 453.673.707 | floating |
| 92 | Rp 7.005.011 | Rp 3.602.458 | Rp 3.402.553 | Rp 450.071.249 | floating |
| 93 | Rp 7.005.011 | Rp 3.629.477 | Rp 3.375.534 | Rp 446.441.773 | floating |
| 94 | Rp 7.005.011 | Rp 3.656.698 | Rp 3.348.313 | Rp 442.785.075 | floating |
| 95 | Rp 7.005.011 | Rp 3.684.123 | Rp 3.320.888 | Rp 439.100.952 | floating |
| 96 | Rp 7.005.011 | Rp 3.711.754 | Rp 3.293.257 | Rp 435.389.198 | floating |
| 97 | Rp 7.005.011 | Rp 3.739.592 | Rp 3.265.419 | Rp 431.649.607 | floating |
| 98 | Rp 7.005.011 | Rp 3.767.639 | Rp 3.237.372 | Rp 427.881.968 | floating |
| 99 | Rp 7.005.011 | Rp 3.795.896 | Rp 3.209.115 | Rp 424.086.072 | floating |
| 100 | Rp 7.005.011 | Rp 3.824.365 | Rp 3.180.646 | Rp 420.261.706 | floating |
| 101 | Rp 7.005.011 | Rp 3.853.048 | Rp 3.151.963 | Rp 416.408.658 | floating |
| 102 | Rp 7.005.011 | Rp 3.881.946 | Rp 3.123.065 | Rp 412.526.712 | floating |
| 103 | Rp 7.005.011 | Rp 3.911.061 | Rp 3.093.950 | Rp 408.615.652 | floating |
| 104 | Rp 7.005.011 | Rp 3.940.393 | Rp 3.064.617 | Rp 404.675.258 | floating |
| 105 | Rp 7.005.011 | Rp 3.969.946 | Rp 3.035.064 | Rp 400.705.312 | floating |
| 106 | Rp 7.005.011 | Rp 3.999.721 | Rp 3.005.290 | Rp 396.705.591 | floating |
| 107 | Rp 7.005.011 | Rp 4.029.719 | Rp 2.975.292 | Rp 392.675.872 | floating |
| 108 | Rp 7.005.011 | Rp 4.059.942 | Rp 2.945.069 | Rp 388.615.930 | floating |
| 109 | Rp 7.005.011 | Rp 4.090.391 | Rp 2.914.619 | Rp 384.525.538 | floating |
| 110 | Rp 7.005.011 | Rp 4.121.069 | Rp 2.883.942 | Rp 380.404.469 | floating |
| 111 | Rp 7.005.011 | Rp 4.151.977 | Rp 2.853.034 | Rp 376.252.492 | floating |
| 112 | Rp 7.005.011 | Rp 4.183.117 | Rp 2.821.894 | Rp 372.069.374 | floating |
| 113 | Rp 7.005.011 | Rp 4.214.491 | Rp 2.790.520 | Rp 367.854.884 | floating |
| 114 | Rp 7.005.011 | Rp 4.246.099 | Rp 2.758.912 | Rp 363.608.785 | floating |
| 115 | Rp 7.005.011 | Rp 4.277.945 | Rp 2.727.066 | Rp 359.330.840 | floating |
| 116 | Rp 7.005.011 | Rp 4.310.030 | Rp 2.694.981 | Rp 355.020.810 | floating |
| 117 | Rp 7.005.011 | Rp 4.342.355 | Rp 2.662.656 | Rp 350.678.455 | floating |
| 118 | Rp 7.005.011 | Rp 4.374.922 | Rp 2.630.088 | Rp 346.303.533 | floating |
| 119 | Rp 7.005.011 | Rp 4.407.734 | Rp 2.597.276 | Rp 341.895.798 | floating |
| 120 | Rp 7.005.011 | Rp 4.440.792 | Rp 2.564.218 | Rp 337.455.006 | floating |
| 121 | Rp 7.005.011 | Rp 4.474.098 | Rp 2.530.913 | Rp 332.980.908 | floating |
| 122 | Rp 7.005.011 | Rp 4.507.654 | Rp 2.497.357 | Rp 328.473.254 | floating |
| 123 | Rp 7.005.011 | Rp 4.541.461 | Rp 2.463.549 | Rp 323.931.792 | floating |
| 124 | Rp 7.005.011 | Rp 4.575.522 | Rp 2.429.488 | Rp 319.356.270 | floating |
| 125 | Rp 7.005.011 | Rp 4.609.839 | Rp 2.395.172 | Rp 314.746.431 | floating |
| 126 | Rp 7.005.011 | Rp 4.644.413 | Rp 2.360.598 | Rp 310.102.018 | floating |
| 127 | Rp 7.005.011 | Rp 4.679.246 | Rp 2.325.765 | Rp 305.422.772 | floating |
| 128 | Rp 7.005.011 | Rp 4.714.340 | Rp 2.290.671 | Rp 300.708.432 | floating |
| 129 | Rp 7.005.011 | Rp 4.749.698 | Rp 2.255.313 | Rp 295.958.735 | floating |
| 130 | Rp 7.005.011 | Rp 4.785.320 | Rp 2.219.691 | Rp 291.173.414 | floating |
| 131 | Rp 7.005.011 | Rp 4.821.210 | Rp 2.183.801 | Rp 286.352.204 | floating |
| 132 | Rp 7.005.011 | Rp 4.857.369 | Rp 2.147.642 | Rp 281.494.835 | floating |
| 133 | Rp 7.005.011 | Rp 4.893.800 | Rp 2.111.211 | Rp 276.601.035 | floating |
| 134 | Rp 7.005.011 | Rp 4.930.503 | Rp 2.074.508 | Rp 271.670.532 | floating |
| 135 | Rp 7.005.011 | Rp 4.967.482 | Rp 2.037.529 | Rp 266.703.050 | floating |
| 136 | Rp 7.005.011 | Rp 5.004.738 | Rp 2.000.273 | Rp 261.698.312 | floating |
| 137 | Rp 7.005.011 | Rp 5.042.274 | Rp 1.962.737 | Rp 256.656.038 | floating |
| 138 | Rp 7.005.011 | Rp 5.080.091 | Rp 1.924.920 | Rp 251.575.948 | floating |
| 139 | Rp 7.005.011 | Rp 5.118.191 | Rp 1.886.820 | Rp 246.457.757 | floating |
| 140 | Rp 7.005.011 | Rp 5.156.578 | Rp 1.848.433 | Rp 241.301.179 | floating |
| 141 | Rp 7.005.011 | Rp 5.195.252 | Rp 1.809.759 | Rp 236.105.927 | floating |
| 142 | Rp 7.005.011 | Rp 5.234.216 | Rp 1.770.794 | Rp 230.871.710 | floating |
| 143 | Rp 7.005.011 | Rp 5.273.473 | Rp 1.731.538 | Rp 225.598.237 | floating |
| 144 | Rp 7.005.011 | Rp 5.313.024 | Rp 1.691.987 | Rp 220.285.213 | floating |
| 145 | Rp 7.005.011 | Rp 5.352.872 | Rp 1.652.139 | Rp 214.932.341 | floating |
| 146 | Rp 7.005.011 | Rp 5.393.018 | Rp 1.611.993 | Rp 209.539.323 | floating |
| 147 | Rp 7.005.011 | Rp 5.433.466 | Rp 1.571.545 | Rp 204.105.857 | floating |
| 148 | Rp 7.005.011 | Rp 5.474.217 | Rp 1.530.794 | Rp 198.631.640 | floating |
| 149 | Rp 7.005.011 | Rp 5.515.274 | Rp 1.489.737 | Rp 193.116.367 | floating |
| 150 | Rp 7.005.011 | Rp 5.556.638 | Rp 1.448.373 | Rp 187.559.728 | floating |
| 151 | Rp 7.005.011 | Rp 5.598.313 | Rp 1.406.698 | Rp 181.961.415 | floating |
| 152 | Rp 7.005.011 | Rp 5.640.300 | Rp 1.364.711 | Rp 176.321.115 | floating |
| 153 | Rp 7.005.011 | Rp 5.682.603 | Rp 1.322.408 | Rp 170.638.513 | floating |
| 154 | Rp 7.005.011 | Rp 5.725.222 | Rp 1.279.789 | Rp 164.913.291 | floating |
| 155 | Rp 7.005.011 | Rp 5.768.161 | Rp 1.236.850 | Rp 159.145.129 | floating |
| 156 | Rp 7.005.011 | Rp 5.811.422 | Rp 1.193.588 | Rp 153.333.707 | floating |
| 157 | Rp 7.005.011 | Rp 5.855.008 | Rp 1.150.003 | Rp 147.478.699 | floating |
| 158 | Rp 7.005.011 | Rp 5.898.921 | Rp 1.106.090 | Rp 141.579.778 | floating |
| 159 | Rp 7.005.011 | Rp 5.943.163 | Rp 1.061.848 | Rp 135.636.616 | floating |
| 160 | Rp 7.005.011 | Rp 5.987.736 | Rp 1.017.275 | Rp 129.648.879 | floating |
| 161 | Rp 7.005.011 | Rp 6.032.644 | Rp 972.367 | Rp 123.616.235 | floating |
| 162 | Rp 7.005.011 | Rp 6.077.889 | Rp 927.122 | Rp 117.538.346 | floating |
| 163 | Rp 7.005.011 | Rp 6.123.473 | Rp 881.538 | Rp 111.414.873 | floating |
| 164 | Rp 7.005.011 | Rp 6.169.399 | Rp 835.612 | Rp 105.245.473 | floating |
| 165 | Rp 7.005.011 | Rp 6.215.670 | Rp 789.341 | Rp 99.029.804 | floating |
| 166 | Rp 7.005.011 | Rp 6.262.287 | Rp 742.724 | Rp 92.767.516 | floating |
| 167 | Rp 7.005.011 | Rp 6.309.255 | Rp 695.756 | Rp 86.458.262 | floating |
| 168 | Rp 7.005.011 | Rp 6.356.574 | Rp 648.437 | Rp 80.101.688 | floating |
| 169 | Rp 7.005.011 | Rp 6.404.248 | Rp 600.763 | Rp 73.697.440 | floating |
| 170 | Rp 7.005.011 | Rp 6.452.280 | Rp 552.731 | Rp 67.245.159 | floating |
| 171 | Rp 7.005.011 | Rp 6.500.672 | Rp 504.339 | Rp 60.744.487 | floating |
| 172 | Rp 7.005.011 | Rp 6.549.427 | Rp 455.584 | Rp 54.195.060 | floating |
| 173 | Rp 7.005.011 | Rp 6.598.548 | Rp 406.463 | Rp 47.596.512 | floating |
| 174 | Rp 7.005.011 | Rp 6.648.037 | Rp 356.974 | Rp 40.948.475 | floating |
| 175 | Rp 7.005.011 | Rp 6.697.897 | Rp 307.114 | Rp 34.250.578 | floating |
| 176 | Rp 7.005.011 | Rp 6.748.132 | Rp 256.879 | Rp 27.502.446 | floating |
| 177 | Rp 7.005.011 | Rp 6.798.743 | Rp 206.268 | Rp 20.703.704 | floating |
| 178 | Rp 7.005.011 | Rp 6.849.733 | Rp 155.278 | Rp 13.853.971 | floating |
| 179 | Rp 7.005.011 | Rp 6.901.106 | Rp 103.905 | Rp 6.952.864 | floating |
| 180 | Rp 7.005.011 | Rp 6.952.864 | Rp 52.146 | 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 Mandiri Rp 1 miliar 10 tahun
| Pokok pinjaman | Rp 1.000.000.000 |
| Bunga fixed | 4,99% selama 3 tahun |
| Bunga floating estimasi | 9% |
| Tenor total | 10 tahun (120 bulan) |
| Cicilan tahun fixed | Rp 10.601.664/bulan |
| Cicilan estimasi tahun floating | Rp 12.072.225/bulan |
| Total bunga sepanjang tenor | Rp 395.726.785 |
| Total dibayar | Rp 1.395.726.785 |
Pertimbangan untuk pinjaman Rp 1 miliar
Pinjaman Rp 1 miliar dengan tenor 10 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 31.804.993/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 39.572.679 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 Mandiri
KPR Mandiri adalah produk KPR PT Bank Mandiri (Persero) Tbk dengan skema fixed-floating standar perbankan Indonesia. Sumber rate card: https://bankmandiri.co.id/kpr.
Pertanyaan yang sering diajukan
Berapa cicilan KPR Mandiri Rp 1 miliar 10 tahun?
Untuk pinjaman Rp 1 miliar dengan tenor 10 tahun, cicilan tahun fixed (3 tahun pertama, bunga 4.99%) sekitar Rp 10.601.664. Setelah masa fixed, cicilan estimasi Rp 12.072.225 dengan bunga floating ~9%.
Berapa total bunga yang dibayar untuk KPR Rp 1 miliar 10 tahun di Mandiri?
Total bunga estimasi sekitar Rp 395.726.785 sepanjang tenor 10 tahun. Total dibayar (pokok + bunga) sekitar Rp 1.395.726.785. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR Mandiri?
Mandiri 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 Mandiri (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 Mandiri untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 1 miliar 10 tahun)
- Simulasi KPR BCA Rp 1 miliar 10 tahun (fixed 4.69%)
- Simulasi KPR BNI Rp 1 miliar 10 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 1 miliar 10 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 1 miliar 10 tahun (fixed 5%)
- Simulasi KPR BSI Rp 1 miliar 10 tahun (fixed 6.5%)
Skenario lain Mandiri
- KPR Mandiri Rp 200 juta tenor 10 tahun
- KPR Mandiri Rp 300 juta tenor 10 tahun
- KPR Mandiri Rp 500 juta tenor 10 tahun
- KPR Mandiri Rp 750 juta tenor 10 tahun
- KPR Mandiri Rp 1 miliar tenor 5 tahun
- KPR Mandiri Rp 1 miliar tenor 15 tahun
- KPR Mandiri Rp 1 miliar tenor 20 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi Mandiri. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.