Simulasi KPR Mandiri Rp 500 juta Tenor 10 tahun
Hitung cicilan KPR Mandiri untuk pinjaman Rp 500 juta 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 5.300.832/bulan
Lalu cicilan estimasi tahun floating: Rp 6.036.112/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 500 juta 10 tahun
| Pokok pinjaman | Rp 500.000.000 |
| Bunga fixed | 4,99% selama 3 tahun |
| Bunga floating estimasi | 9% |
| Tenor total | 10 tahun (120 bulan) |
| Cicilan tahun fixed | Rp 5.300.832/bulan |
| Cicilan estimasi tahun floating | Rp 6.036.112/bulan |
| Total bunga sepanjang tenor | Rp 197.863.393 |
| Total dibayar | Rp 697.863.393 |
Pertimbangan untuk pinjaman Rp 500 juta
Pinjaman Rp 500 juta dengan tenor 10 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 15.902.496/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:
- DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 625.000.000 bisa menghemat sekitar Rp 19.786.339 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 500 juta 10 tahun?
Untuk pinjaman Rp 500 juta dengan tenor 10 tahun, cicilan tahun fixed (3 tahun pertama, bunga 4.99%) sekitar Rp 5.300.832. Setelah masa fixed, cicilan estimasi Rp 6.036.112 dengan bunga floating ~9%.
Berapa total bunga yang dibayar untuk KPR Rp 500 juta 10 tahun di Mandiri?
Total bunga estimasi sekitar Rp 197.863.393 sepanjang tenor 10 tahun. Total dibayar (pokok + bunga) sekitar Rp 697.863.393. 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 500 juta 10 tahun)
- Simulasi KPR BCA Rp 500 juta 10 tahun (fixed 4.69%)
- Simulasi KPR BNI Rp 500 juta 10 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 500 juta 10 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 500 juta 10 tahun (fixed 5%)
- Simulasi KPR BSI Rp 500 juta 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 750 juta tenor 10 tahun
- KPR Mandiri Rp 1 miliar tenor 10 tahun
- KPR Mandiri Rp 500 juta tenor 5 tahun
- KPR Mandiri Rp 500 juta tenor 15 tahun
- KPR Mandiri Rp 500 juta 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.