Simulasi KPR Maybank Rp 500 juta Tenor 5 tahun
Hitung cicilan KPR Maybank untuk pinjaman Rp 500 juta dengan tenor 5 tahun. Pakai parameter rate card publik PT Bank Maybank Indonesia Tbk.
Data per 02-05-2026 · Sumber: Rate card publik Maybank
Cicilan tahun fixed (3 tahun pertama)
Rp 9.550.581/bulan
Lalu cicilan estimasi tahun floating: Rp 9.944.519/bulan
Sesuaikan parameter
Simulasi memakai parameter Maybank 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 5.883.001
Cicilan estimasi tahun floating (sisa 12 tahun)
Rp 7.221.612
Total bunga / margin dibayar
Rp 531.700.165
Total dibayar (pokok + bunga)
Rp 1.251.700.165
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 5.883.001 | Rp 2.583.001 | Rp 3.300.000 | Rp 717.416.999 | fixed |
| 2 | Rp 5.883.001 | Rp 2.594.840 | Rp 3.288.161 | Rp 714.822.159 | fixed |
| 3 | Rp 5.883.001 | Rp 2.606.733 | Rp 3.276.268 | Rp 712.215.427 | fixed |
| 4 | Rp 5.883.001 | Rp 2.618.680 | Rp 3.264.321 | Rp 709.596.747 | fixed |
| 5 | Rp 5.883.001 | Rp 2.630.682 | Rp 3.252.318 | Rp 706.966.064 | fixed |
| 6 | Rp 5.883.001 | Rp 2.642.740 | Rp 3.240.261 | Rp 704.323.324 | fixed |
| 7 | Rp 5.883.001 | Rp 2.654.852 | Rp 3.228.149 | Rp 701.668.472 | fixed |
| 8 | Rp 5.883.001 | Rp 2.667.020 | Rp 3.215.980 | Rp 699.001.452 | fixed |
| 9 | Rp 5.883.001 | Rp 2.679.244 | Rp 3.203.757 | Rp 696.322.208 | fixed |
| 10 | Rp 5.883.001 | Rp 2.691.524 | Rp 3.191.477 | Rp 693.630.684 | fixed |
| 11 | Rp 5.883.001 | Rp 2.703.860 | Rp 3.179.141 | Rp 690.926.823 | fixed |
| 12 | Rp 5.883.001 | Rp 2.716.253 | Rp 3.166.748 | Rp 688.210.570 | fixed |
| 13 | Rp 5.883.001 | Rp 2.728.702 | Rp 3.154.298 | Rp 685.481.868 | fixed |
| 14 | Rp 5.883.001 | Rp 2.741.209 | Rp 3.141.792 | Rp 682.740.659 | fixed |
| 15 | Rp 5.883.001 | Rp 2.753.773 | Rp 3.129.228 | Rp 679.986.886 | fixed |
| 16 | Rp 5.883.001 | Rp 2.766.394 | Rp 3.116.607 | Rp 677.220.492 | fixed |
| 17 | Rp 5.883.001 | Rp 2.779.074 | Rp 3.103.927 | Rp 674.441.418 | fixed |
| 18 | Rp 5.883.001 | Rp 2.791.811 | Rp 3.091.190 | Rp 671.649.607 | fixed |
| 19 | Rp 5.883.001 | Rp 2.804.607 | Rp 3.078.394 | Rp 668.845.000 | fixed |
| 20 | Rp 5.883.001 | Rp 2.817.461 | Rp 3.065.540 | Rp 666.027.539 | fixed |
| 21 | Rp 5.883.001 | Rp 2.830.375 | Rp 3.052.626 | Rp 663.197.164 | fixed |
| 22 | Rp 5.883.001 | Rp 2.843.347 | Rp 3.039.654 | Rp 660.353.817 | fixed |
| 23 | Rp 5.883.001 | Rp 2.856.379 | Rp 3.026.622 | Rp 657.497.438 | fixed |
| 24 | Rp 5.883.001 | Rp 2.869.471 | Rp 3.013.530 | Rp 654.627.967 | fixed |
| 25 | Rp 5.883.001 | Rp 2.882.623 | Rp 3.000.378 | Rp 651.745.344 | fixed |
| 26 | Rp 5.883.001 | Rp 2.895.835 | Rp 2.987.166 | Rp 648.849.510 | fixed |
| 27 | Rp 5.883.001 | Rp 2.909.107 | Rp 2.973.894 | Rp 645.940.402 | fixed |
| 28 | Rp 5.883.001 | Rp 2.922.441 | Rp 2.960.560 | Rp 643.017.962 | fixed |
| 29 | Rp 5.883.001 | Rp 2.935.835 | Rp 2.947.166 | Rp 640.082.126 | fixed |
| 30 | Rp 5.883.001 | Rp 2.949.291 | Rp 2.933.710 | Rp 637.132.835 | fixed |
| 31 | Rp 5.883.001 | Rp 2.962.809 | Rp 2.920.192 | Rp 634.170.027 | fixed |
| 32 | Rp 5.883.001 | Rp 2.976.388 | Rp 2.906.613 | Rp 631.193.638 | fixed |
| 33 | Rp 5.883.001 | Rp 2.990.030 | Rp 2.892.971 | Rp 628.203.608 | fixed |
| 34 | Rp 5.883.001 | Rp 3.003.734 | Rp 2.879.267 | Rp 625.199.874 | fixed |
| 35 | Rp 5.883.001 | Rp 3.017.501 | Rp 2.865.499 | Rp 622.182.372 | fixed |
| 36 | Rp 5.883.001 | Rp 3.031.332 | Rp 2.851.669 | Rp 619.151.041 | fixed |
| 37 | Rp 7.221.612 | Rp 2.320.000 | Rp 4.901.612 | Rp 616.831.041 | floating |
| 38 | Rp 7.221.612 | Rp 2.338.366 | Rp 4.883.246 | Rp 614.492.675 | floating |
| 39 | Rp 7.221.612 | Rp 2.356.878 | Rp 4.864.734 | Rp 612.135.796 | floating |
| 40 | Rp 7.221.612 | Rp 2.375.537 | Rp 4.846.075 | Rp 609.760.260 | floating |
| 41 | Rp 7.221.612 | Rp 2.394.343 | Rp 4.827.269 | Rp 607.365.916 | floating |
| 42 | Rp 7.221.612 | Rp 2.413.299 | Rp 4.808.314 | Rp 604.952.618 | floating |
| 43 | Rp 7.221.612 | Rp 2.432.404 | Rp 4.789.208 | Rp 602.520.214 | floating |
| 44 | Rp 7.221.612 | Rp 2.451.660 | Rp 4.769.952 | Rp 600.068.554 | floating |
| 45 | Rp 7.221.612 | Rp 2.471.069 | Rp 4.750.543 | Rp 597.597.484 | floating |
| 46 | Rp 7.221.612 | Rp 2.490.632 | Rp 4.730.980 | Rp 595.106.852 | floating |
| 47 | Rp 7.221.612 | Rp 2.510.349 | Rp 4.711.263 | Rp 592.596.503 | floating |
| 48 | Rp 7.221.612 | Rp 2.530.223 | Rp 4.691.389 | Rp 590.066.280 | floating |
| 49 | Rp 7.221.612 | Rp 2.550.254 | Rp 4.671.358 | Rp 587.516.026 | floating |
| 50 | Rp 7.221.612 | Rp 2.570.443 | Rp 4.651.169 | Rp 584.945.582 | floating |
| 51 | Rp 7.221.612 | Rp 2.590.793 | Rp 4.630.819 | Rp 582.354.789 | floating |
| 52 | Rp 7.221.612 | Rp 2.611.303 | Rp 4.610.309 | Rp 579.743.486 | floating |
| 53 | Rp 7.221.612 | Rp 2.631.976 | Rp 4.589.636 | Rp 577.111.510 | floating |
| 54 | Rp 7.221.612 | Rp 2.652.813 | Rp 4.568.799 | Rp 574.458.697 | floating |
| 55 | Rp 7.221.612 | Rp 2.673.814 | Rp 4.547.798 | Rp 571.784.883 | floating |
| 56 | Rp 7.221.612 | Rp 2.694.982 | Rp 4.526.630 | Rp 569.089.902 | floating |
| 57 | Rp 7.221.612 | Rp 2.716.317 | Rp 4.505.295 | Rp 566.373.585 | floating |
| 58 | Rp 7.221.612 | Rp 2.737.821 | Rp 4.483.791 | Rp 563.635.764 | floating |
| 59 | Rp 7.221.612 | Rp 2.759.496 | Rp 4.462.116 | Rp 560.876.268 | floating |
| 60 | Rp 7.221.612 | Rp 2.781.342 | Rp 4.440.270 | Rp 558.094.926 | floating |
| 61 | Rp 7.221.612 | Rp 2.803.361 | Rp 4.418.252 | Rp 555.291.566 | floating |
| 62 | Rp 7.221.612 | Rp 2.825.554 | Rp 4.396.058 | Rp 552.466.012 | floating |
| 63 | Rp 7.221.612 | Rp 2.847.923 | Rp 4.373.689 | Rp 549.618.089 | floating |
| 64 | Rp 7.221.612 | Rp 2.870.469 | Rp 4.351.143 | Rp 546.747.620 | floating |
| 65 | Rp 7.221.612 | Rp 2.893.193 | Rp 4.328.419 | Rp 543.854.427 | floating |
| 66 | Rp 7.221.612 | Rp 2.916.098 | Rp 4.305.514 | Rp 540.938.329 | floating |
| 67 | Rp 7.221.612 | Rp 2.939.184 | Rp 4.282.428 | Rp 537.999.146 | floating |
| 68 | Rp 7.221.612 | Rp 2.962.452 | Rp 4.259.160 | Rp 535.036.694 | floating |
| 69 | Rp 7.221.612 | Rp 2.985.905 | Rp 4.235.707 | Rp 532.050.789 | floating |
| 70 | Rp 7.221.612 | Rp 3.009.543 | Rp 4.212.069 | Rp 529.041.245 | floating |
| 71 | Rp 7.221.612 | Rp 3.033.369 | Rp 4.188.243 | Rp 526.007.877 | floating |
| 72 | Rp 7.221.612 | Rp 3.057.383 | Rp 4.164.229 | Rp 522.950.493 | floating |
| 73 | Rp 7.221.612 | Rp 3.081.587 | Rp 4.140.025 | Rp 519.868.906 | floating |
| 74 | Rp 7.221.612 | Rp 3.105.983 | Rp 4.115.629 | Rp 516.762.923 | floating |
| 75 | Rp 7.221.612 | Rp 3.130.572 | Rp 4.091.040 | Rp 513.632.351 | floating |
| 76 | Rp 7.221.612 | Rp 3.155.356 | Rp 4.066.256 | Rp 510.476.995 | floating |
| 77 | Rp 7.221.612 | Rp 3.180.336 | Rp 4.041.276 | Rp 507.296.659 | floating |
| 78 | Rp 7.221.612 | Rp 3.205.513 | Rp 4.016.099 | Rp 504.091.146 | floating |
| 79 | Rp 7.221.612 | Rp 3.230.890 | Rp 3.990.722 | Rp 500.860.255 | floating |
| 80 | Rp 7.221.612 | Rp 3.256.468 | Rp 3.965.144 | Rp 497.603.787 | floating |
| 81 | Rp 7.221.612 | Rp 3.282.249 | Rp 3.939.363 | Rp 494.321.538 | floating |
| 82 | Rp 7.221.612 | Rp 3.308.233 | Rp 3.913.379 | Rp 491.013.305 | floating |
| 83 | Rp 7.221.612 | Rp 3.334.423 | Rp 3.887.189 | Rp 487.678.881 | floating |
| 84 | Rp 7.221.612 | Rp 3.360.821 | Rp 3.860.791 | Rp 484.318.061 | floating |
| 85 | Rp 7.221.612 | Rp 3.387.427 | Rp 3.834.185 | Rp 480.930.633 | floating |
| 86 | Rp 7.221.612 | Rp 3.414.245 | Rp 3.807.368 | Rp 477.516.389 | floating |
| 87 | Rp 7.221.612 | Rp 3.441.274 | Rp 3.780.338 | Rp 474.075.115 | floating |
| 88 | Rp 7.221.612 | Rp 3.468.517 | Rp 3.753.095 | Rp 470.606.597 | floating |
| 89 | Rp 7.221.612 | Rp 3.495.976 | Rp 3.725.636 | Rp 467.110.621 | floating |
| 90 | Rp 7.221.612 | Rp 3.523.653 | Rp 3.697.959 | Rp 463.586.968 | floating |
| 91 | Rp 7.221.612 | Rp 3.551.549 | Rp 3.670.063 | Rp 460.035.419 | floating |
| 92 | Rp 7.221.612 | Rp 3.579.665 | Rp 3.641.947 | Rp 456.455.754 | floating |
| 93 | Rp 7.221.612 | Rp 3.608.004 | Rp 3.613.608 | Rp 452.847.750 | floating |
| 94 | Rp 7.221.612 | Rp 3.636.567 | Rp 3.585.045 | Rp 449.211.183 | floating |
| 95 | Rp 7.221.612 | Rp 3.665.357 | Rp 3.556.255 | Rp 445.545.826 | floating |
| 96 | Rp 7.221.612 | Rp 3.694.374 | Rp 3.527.238 | Rp 441.851.452 | floating |
| 97 | Rp 7.221.612 | Rp 3.723.621 | Rp 3.497.991 | Rp 438.127.831 | floating |
| 98 | Rp 7.221.612 | Rp 3.753.100 | Rp 3.468.512 | Rp 434.374.731 | floating |
| 99 | Rp 7.221.612 | Rp 3.782.812 | Rp 3.438.800 | Rp 430.591.918 | floating |
| 100 | Rp 7.221.612 | Rp 3.812.759 | Rp 3.408.853 | Rp 426.779.159 | floating |
| 101 | Rp 7.221.612 | Rp 3.842.944 | Rp 3.378.668 | Rp 422.936.215 | floating |
| 102 | Rp 7.221.612 | Rp 3.873.367 | Rp 3.348.245 | Rp 419.062.848 | floating |
| 103 | Rp 7.221.612 | Rp 3.904.031 | Rp 3.317.581 | Rp 415.158.817 | floating |
| 104 | Rp 7.221.612 | Rp 3.934.938 | Rp 3.286.674 | Rp 411.223.879 | floating |
| 105 | Rp 7.221.612 | Rp 3.966.090 | Rp 3.255.522 | Rp 407.257.790 | floating |
| 106 | Rp 7.221.612 | Rp 3.997.488 | Rp 3.224.124 | Rp 403.260.302 | floating |
| 107 | Rp 7.221.612 | Rp 4.029.135 | Rp 3.192.477 | Rp 399.231.167 | floating |
| 108 | Rp 7.221.612 | Rp 4.061.032 | Rp 3.160.580 | Rp 395.170.135 | floating |
| 109 | Rp 7.221.612 | Rp 4.093.182 | Rp 3.128.430 | Rp 391.076.953 | floating |
| 110 | Rp 7.221.612 | Rp 4.125.586 | Rp 3.096.026 | Rp 386.951.367 | floating |
| 111 | Rp 7.221.612 | Rp 4.158.247 | Rp 3.063.365 | Rp 382.793.120 | floating |
| 112 | Rp 7.221.612 | Rp 4.191.167 | Rp 3.030.446 | Rp 378.601.954 | floating |
| 113 | Rp 7.221.612 | Rp 4.224.347 | Rp 2.997.265 | Rp 374.377.607 | floating |
| 114 | Rp 7.221.612 | Rp 4.257.789 | Rp 2.963.823 | Rp 370.119.818 | floating |
| 115 | Rp 7.221.612 | Rp 4.291.497 | Rp 2.930.115 | Rp 365.828.321 | floating |
| 116 | Rp 7.221.612 | Rp 4.325.471 | Rp 2.896.141 | Rp 361.502.850 | floating |
| 117 | Rp 7.221.612 | Rp 4.359.714 | Rp 2.861.898 | Rp 357.143.135 | floating |
| 118 | Rp 7.221.612 | Rp 4.394.229 | Rp 2.827.383 | Rp 352.748.906 | floating |
| 119 | Rp 7.221.612 | Rp 4.429.017 | Rp 2.792.596 | Rp 348.319.890 | floating |
| 120 | Rp 7.221.612 | Rp 4.464.080 | Rp 2.757.532 | Rp 343.855.810 | floating |
| 121 | Rp 7.221.612 | Rp 4.499.420 | Rp 2.722.192 | Rp 339.356.390 | floating |
| 122 | Rp 7.221.612 | Rp 4.535.041 | Rp 2.686.571 | Rp 334.821.349 | floating |
| 123 | Rp 7.221.612 | Rp 4.570.943 | Rp 2.650.669 | Rp 330.250.406 | floating |
| 124 | Rp 7.221.612 | Rp 4.607.130 | Rp 2.614.482 | Rp 325.643.277 | floating |
| 125 | Rp 7.221.612 | Rp 4.643.603 | Rp 2.578.009 | Rp 320.999.674 | floating |
| 126 | Rp 7.221.612 | Rp 4.680.365 | Rp 2.541.247 | Rp 316.319.309 | floating |
| 127 | Rp 7.221.612 | Rp 4.717.418 | Rp 2.504.195 | Rp 311.601.892 | floating |
| 128 | Rp 7.221.612 | Rp 4.754.764 | Rp 2.466.848 | Rp 306.847.128 | floating |
| 129 | Rp 7.221.612 | Rp 4.792.406 | Rp 2.429.206 | Rp 302.054.722 | floating |
| 130 | Rp 7.221.612 | Rp 4.830.345 | Rp 2.391.267 | Rp 297.224.377 | floating |
| 131 | Rp 7.221.612 | Rp 4.868.586 | Rp 2.353.026 | Rp 292.355.791 | floating |
| 132 | Rp 7.221.612 | Rp 4.907.129 | Rp 2.314.483 | Rp 287.448.663 | floating |
| 133 | Rp 7.221.612 | Rp 4.945.977 | Rp 2.275.635 | Rp 282.502.686 | floating |
| 134 | Rp 7.221.612 | Rp 4.985.132 | Rp 2.236.480 | Rp 277.517.553 | floating |
| 135 | Rp 7.221.612 | Rp 5.024.598 | Rp 2.197.014 | Rp 272.492.955 | floating |
| 136 | Rp 7.221.612 | Rp 5.064.376 | Rp 2.157.236 | Rp 267.428.579 | floating |
| 137 | Rp 7.221.612 | Rp 5.104.469 | Rp 2.117.143 | Rp 262.324.110 | floating |
| 138 | Rp 7.221.612 | Rp 5.144.879 | Rp 2.076.733 | Rp 257.179.231 | floating |
| 139 | Rp 7.221.612 | Rp 5.185.610 | Rp 2.036.002 | Rp 251.993.621 | floating |
| 140 | Rp 7.221.612 | Rp 5.226.663 | Rp 1.994.949 | Rp 246.766.958 | floating |
| 141 | Rp 7.221.612 | Rp 5.268.040 | Rp 1.953.572 | Rp 241.498.918 | floating |
| 142 | Rp 7.221.612 | Rp 5.309.746 | Rp 1.911.866 | Rp 236.189.172 | floating |
| 143 | Rp 7.221.612 | Rp 5.351.781 | Rp 1.869.831 | Rp 230.837.391 | floating |
| 144 | Rp 7.221.612 | Rp 5.394.149 | Rp 1.827.463 | Rp 225.443.242 | floating |
| 145 | Rp 7.221.612 | Rp 5.436.853 | Rp 1.784.759 | Rp 220.006.389 | floating |
| 146 | Rp 7.221.612 | Rp 5.479.895 | Rp 1.741.717 | Rp 214.526.494 | floating |
| 147 | Rp 7.221.612 | Rp 5.523.277 | Rp 1.698.335 | Rp 209.003.217 | floating |
| 148 | Rp 7.221.612 | Rp 5.567.003 | Rp 1.654.609 | Rp 203.436.214 | floating |
| 149 | Rp 7.221.612 | Rp 5.611.075 | Rp 1.610.537 | Rp 197.825.138 | floating |
| 150 | Rp 7.221.612 | Rp 5.655.496 | Rp 1.566.116 | Rp 192.169.642 | floating |
| 151 | Rp 7.221.612 | Rp 5.700.269 | Rp 1.521.343 | Rp 186.469.373 | floating |
| 152 | Rp 7.221.612 | Rp 5.745.396 | Rp 1.476.216 | Rp 180.723.977 | floating |
| 153 | Rp 7.221.612 | Rp 5.790.881 | Rp 1.430.731 | Rp 174.933.096 | floating |
| 154 | Rp 7.221.612 | Rp 5.836.725 | Rp 1.384.887 | Rp 169.096.371 | floating |
| 155 | Rp 7.221.612 | Rp 5.882.932 | Rp 1.338.680 | Rp 163.213.439 | floating |
| 156 | Rp 7.221.612 | Rp 5.929.506 | Rp 1.292.106 | Rp 157.283.933 | floating |
| 157 | Rp 7.221.612 | Rp 5.976.448 | Rp 1.245.164 | Rp 151.307.485 | floating |
| 158 | Rp 7.221.612 | Rp 6.023.761 | Rp 1.197.851 | Rp 145.283.724 | floating |
| 159 | Rp 7.221.612 | Rp 6.071.449 | Rp 1.150.163 | Rp 139.212.275 | floating |
| 160 | Rp 7.221.612 | Rp 6.119.515 | Rp 1.102.097 | Rp 133.092.760 | floating |
| 161 | Rp 7.221.612 | Rp 6.167.961 | Rp 1.053.651 | Rp 126.924.799 | floating |
| 162 | Rp 7.221.612 | Rp 6.216.791 | Rp 1.004.821 | Rp 120.708.008 | floating |
| 163 | Rp 7.221.612 | Rp 6.266.007 | Rp 955.605 | Rp 114.442.001 | floating |
| 164 | Rp 7.221.612 | Rp 6.315.613 | Rp 905.999 | Rp 108.126.389 | floating |
| 165 | Rp 7.221.612 | Rp 6.365.611 | Rp 856.001 | Rp 101.760.777 | floating |
| 166 | Rp 7.221.612 | Rp 6.416.006 | Rp 805.606 | Rp 95.344.771 | floating |
| 167 | Rp 7.221.612 | Rp 6.466.799 | Rp 754.813 | Rp 88.877.972 | floating |
| 168 | Rp 7.221.612 | Rp 6.517.995 | Rp 703.617 | Rp 82.359.977 | floating |
| 169 | Rp 7.221.612 | Rp 6.569.596 | Rp 652.016 | Rp 75.790.382 | floating |
| 170 | Rp 7.221.612 | Rp 6.621.605 | Rp 600.007 | Rp 69.168.777 | floating |
| 171 | Rp 7.221.612 | Rp 6.674.026 | Rp 547.586 | Rp 62.494.751 | floating |
| 172 | Rp 7.221.612 | Rp 6.726.862 | Rp 494.750 | Rp 55.767.889 | floating |
| 173 | Rp 7.221.612 | Rp 6.780.116 | Rp 441.496 | Rp 48.987.773 | floating |
| 174 | Rp 7.221.612 | Rp 6.833.792 | Rp 387.820 | Rp 42.153.981 | floating |
| 175 | Rp 7.221.612 | Rp 6.887.893 | Rp 333.719 | Rp 35.266.088 | floating |
| 176 | Rp 7.221.612 | Rp 6.942.422 | Rp 279.190 | Rp 28.323.665 | floating |
| 177 | Rp 7.221.612 | Rp 6.997.383 | Rp 224.229 | Rp 21.326.282 | floating |
| 178 | Rp 7.221.612 | Rp 7.052.779 | Rp 168.833 | Rp 14.273.503 | floating |
| 179 | Rp 7.221.612 | Rp 7.108.613 | Rp 112.999 | Rp 7.164.890 | floating |
| 180 | Rp 7.221.612 | Rp 7.164.890 | Rp 56.722 | 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 Maybank Rp 500 juta 5 tahun
| Pokok pinjaman | Rp 500.000.000 |
| Bunga fixed | 5,5% selama 3 tahun |
| Bunga floating estimasi | 9,5% |
| Tenor total | 5 tahun (60 bulan) |
| Cicilan tahun fixed | Rp 9.550.581/bulan |
| Cicilan estimasi tahun floating | Rp 9.944.519/bulan |
| Total bunga sepanjang tenor | Rp 82.489.374 |
| Total dibayar | Rp 582.489.374 |
Pertimbangan untuk pinjaman Rp 500 juta
Pinjaman Rp 500 juta dengan tenor 5 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 28.651.743/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 8.248.937 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 Maybank
Maybank KPR adalah produk KPR PT Bank Maybank Indonesia Tbk dengan skema fixed-floating standar perbankan Indonesia. Sumber rate card: https://www.maybank.co.id/personal/loans/kpr.
Pertanyaan yang sering diajukan
Berapa cicilan KPR Maybank Rp 500 juta 5 tahun?
Untuk pinjaman Rp 500 juta dengan tenor 5 tahun, cicilan tahun fixed (3 tahun pertama, bunga 5.5%) sekitar Rp 9.550.581. Setelah masa fixed, cicilan estimasi Rp 9.944.519 dengan bunga floating ~9.5%.
Berapa total bunga yang dibayar untuk KPR Rp 500 juta 5 tahun di Maybank?
Total bunga estimasi sekitar Rp 82.489.374 sepanjang tenor 5 tahun. Total dibayar (pokok + bunga) sekitar Rp 582.489.374. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR Maybank?
Maybank 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 Maybank Indonesia 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 Maybank untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 500 juta 5 tahun)
- Simulasi KPR BCA Rp 500 juta 5 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 500 juta 5 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 500 juta 5 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 500 juta 5 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 500 juta 5 tahun (fixed 5%)
Skenario lain Maybank
- KPR Maybank Rp 200 juta tenor 5 tahun
- KPR Maybank Rp 300 juta tenor 5 tahun
- KPR Maybank Rp 750 juta tenor 5 tahun
- KPR Maybank Rp 1 miliar tenor 5 tahun
- KPR Maybank Rp 500 juta tenor 10 tahun
- KPR Maybank Rp 500 juta tenor 15 tahun
- KPR Maybank Rp 500 juta tenor 20 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi Maybank. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.