Simulasi KPR Muamalat Rp 200 juta Tenor 15 tahun
Hitung cicilan KPR Muamalat untuk pinjaman Rp 200 juta dengan tenor 15 tahun. Pakai parameter rate card publik PT Bank Muamalat Indonesia Tbk.
Data per 02-05-2026 · Sumber: Rate card publik Muamalat
Cicilan tahun fixed (30 tahun pertama)
Rp 1.796.539/bulan
Lalu cicilan estimasi tahun floating: Rp 1.796.539/bulan
Sesuaikan parameter
Simulasi memakai parameter Muamalat KPR iB. Silakan ubah angka di bawah untuk skenario Anda.
Pokok pinjaman
Rp 720.000.000
Uang muka (DP)
Rp 80.000.000 (10%)
Cicilan bulanan (tetap selama tenor)
Rp 6.467.539
Total bunga / margin dibayar
Rp 444.156.999
Total dibayar (pokok + bunga)
Rp 1.164.156.999
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 6.467.539 | Rp 2.273.539 | Rp 4.194.000 | Rp 717.726.461 | fixed |
| 2 | Rp 6.467.539 | Rp 2.286.782 | Rp 4.180.757 | Rp 715.439.679 | fixed |
| 3 | Rp 6.467.539 | Rp 2.300.103 | Rp 4.167.436 | Rp 713.139.576 | fixed |
| 4 | Rp 6.467.539 | Rp 2.313.501 | Rp 4.154.038 | Rp 710.826.075 | fixed |
| 5 | Rp 6.467.539 | Rp 2.326.977 | Rp 4.140.562 | Rp 708.499.098 | fixed |
| 6 | Rp 6.467.539 | Rp 2.340.532 | Rp 4.127.007 | Rp 706.158.567 | fixed |
| 7 | Rp 6.467.539 | Rp 2.354.165 | Rp 4.113.374 | Rp 703.804.401 | fixed |
| 8 | Rp 6.467.539 | Rp 2.367.878 | Rp 4.099.661 | Rp 701.436.523 | fixed |
| 9 | Rp 6.467.539 | Rp 2.381.671 | Rp 4.085.868 | Rp 699.054.852 | fixed |
| 10 | Rp 6.467.539 | Rp 2.395.544 | Rp 4.071.995 | Rp 696.659.308 | fixed |
| 11 | Rp 6.467.539 | Rp 2.409.498 | Rp 4.058.040 | Rp 694.249.809 | fixed |
| 12 | Rp 6.467.539 | Rp 2.423.534 | Rp 4.044.005 | Rp 691.826.276 | fixed |
| 13 | Rp 6.467.539 | Rp 2.437.651 | Rp 4.029.888 | Rp 689.388.625 | fixed |
| 14 | Rp 6.467.539 | Rp 2.451.850 | Rp 4.015.689 | Rp 686.936.775 | fixed |
| 15 | Rp 6.467.539 | Rp 2.466.132 | Rp 4.001.407 | Rp 684.470.642 | fixed |
| 16 | Rp 6.467.539 | Rp 2.480.497 | Rp 3.987.041 | Rp 681.990.145 | fixed |
| 17 | Rp 6.467.539 | Rp 2.494.946 | Rp 3.972.593 | Rp 679.495.199 | fixed |
| 18 | Rp 6.467.539 | Rp 2.509.479 | Rp 3.958.060 | Rp 676.985.719 | fixed |
| 19 | Rp 6.467.539 | Rp 2.524.097 | Rp 3.943.442 | Rp 674.461.622 | fixed |
| 20 | Rp 6.467.539 | Rp 2.538.800 | Rp 3.928.739 | Rp 671.922.822 | fixed |
| 21 | Rp 6.467.539 | Rp 2.553.588 | Rp 3.913.950 | Rp 669.369.234 | fixed |
| 22 | Rp 6.467.539 | Rp 2.568.463 | Rp 3.899.076 | Rp 666.800.771 | fixed |
| 23 | Rp 6.467.539 | Rp 2.583.424 | Rp 3.884.114 | Rp 664.217.346 | fixed |
| 24 | Rp 6.467.539 | Rp 2.598.473 | Rp 3.869.066 | Rp 661.618.874 | fixed |
| 25 | Rp 6.467.539 | Rp 2.613.609 | Rp 3.853.930 | Rp 659.005.265 | fixed |
| 26 | Rp 6.467.539 | Rp 2.628.833 | Rp 3.838.706 | Rp 656.376.431 | fixed |
| 27 | Rp 6.467.539 | Rp 2.644.146 | Rp 3.823.393 | Rp 653.732.285 | fixed |
| 28 | Rp 6.467.539 | Rp 2.659.548 | Rp 3.807.991 | Rp 651.072.737 | fixed |
| 29 | Rp 6.467.539 | Rp 2.675.040 | Rp 3.792.499 | Rp 648.397.697 | fixed |
| 30 | Rp 6.467.539 | Rp 2.690.622 | Rp 3.776.917 | Rp 645.707.074 | fixed |
| 31 | Rp 6.467.539 | Rp 2.706.295 | Rp 3.761.244 | Rp 643.000.779 | fixed |
| 32 | Rp 6.467.539 | Rp 2.722.059 | Rp 3.745.480 | Rp 640.278.720 | fixed |
| 33 | Rp 6.467.539 | Rp 2.737.915 | Rp 3.729.624 | Rp 637.540.805 | fixed |
| 34 | Rp 6.467.539 | Rp 2.753.864 | Rp 3.713.675 | Rp 634.786.941 | fixed |
| 35 | Rp 6.467.539 | Rp 2.769.905 | Rp 3.697.634 | Rp 632.017.036 | fixed |
| 36 | Rp 6.467.539 | Rp 2.786.040 | Rp 3.681.499 | Rp 629.230.996 | fixed |
| 37 | Rp 6.467.539 | Rp 2.802.268 | Rp 3.665.271 | Rp 626.428.728 | fixed |
| 38 | Rp 6.467.539 | Rp 2.818.592 | Rp 3.648.947 | Rp 623.610.136 | fixed |
| 39 | Rp 6.467.539 | Rp 2.835.010 | Rp 3.632.529 | Rp 620.775.127 | fixed |
| 40 | Rp 6.467.539 | Rp 2.851.524 | Rp 3.616.015 | Rp 617.923.603 | fixed |
| 41 | Rp 6.467.539 | Rp 2.868.134 | Rp 3.599.405 | Rp 615.055.469 | fixed |
| 42 | Rp 6.467.539 | Rp 2.884.841 | Rp 3.582.698 | Rp 612.170.628 | fixed |
| 43 | Rp 6.467.539 | Rp 2.901.645 | Rp 3.565.894 | Rp 609.268.983 | fixed |
| 44 | Rp 6.467.539 | Rp 2.918.547 | Rp 3.548.992 | Rp 606.350.436 | fixed |
| 45 | Rp 6.467.539 | Rp 2.935.548 | Rp 3.531.991 | Rp 603.414.889 | fixed |
| 46 | Rp 6.467.539 | Rp 2.952.647 | Rp 3.514.892 | Rp 600.462.241 | fixed |
| 47 | Rp 6.467.539 | Rp 2.969.846 | Rp 3.497.693 | Rp 597.492.395 | fixed |
| 48 | Rp 6.467.539 | Rp 2.987.146 | Rp 3.480.393 | Rp 594.505.249 | fixed |
| 49 | Rp 6.467.539 | Rp 3.004.546 | Rp 3.462.993 | Rp 591.500.704 | fixed |
| 50 | Rp 6.467.539 | Rp 3.022.047 | Rp 3.445.492 | Rp 588.478.656 | fixed |
| 51 | Rp 6.467.539 | Rp 3.039.651 | Rp 3.427.888 | Rp 585.439.006 | fixed |
| 52 | Rp 6.467.539 | Rp 3.057.357 | Rp 3.410.182 | Rp 582.381.649 | fixed |
| 53 | Rp 6.467.539 | Rp 3.075.166 | Rp 3.392.373 | Rp 579.306.483 | fixed |
| 54 | Rp 6.467.539 | Rp 3.093.079 | Rp 3.374.460 | Rp 576.213.405 | fixed |
| 55 | Rp 6.467.539 | Rp 3.111.096 | Rp 3.356.443 | Rp 573.102.309 | fixed |
| 56 | Rp 6.467.539 | Rp 3.129.218 | Rp 3.338.321 | Rp 569.973.091 | fixed |
| 57 | Rp 6.467.539 | Rp 3.147.446 | Rp 3.320.093 | Rp 566.825.645 | fixed |
| 58 | Rp 6.467.539 | Rp 3.165.779 | Rp 3.301.759 | Rp 563.659.866 | fixed |
| 59 | Rp 6.467.539 | Rp 3.184.220 | Rp 3.283.319 | Rp 560.475.646 | fixed |
| 60 | Rp 6.467.539 | Rp 3.202.768 | Rp 3.264.771 | Rp 557.272.877 | fixed |
| 61 | Rp 6.467.539 | Rp 3.221.424 | Rp 3.246.115 | Rp 554.051.453 | fixed |
| 62 | Rp 6.467.539 | Rp 3.240.189 | Rp 3.227.350 | Rp 550.811.264 | fixed |
| 63 | Rp 6.467.539 | Rp 3.259.063 | Rp 3.208.476 | Rp 547.552.200 | fixed |
| 64 | Rp 6.467.539 | Rp 3.278.047 | Rp 3.189.492 | Rp 544.274.153 | fixed |
| 65 | Rp 6.467.539 | Rp 3.297.142 | Rp 3.170.397 | Rp 540.977.011 | fixed |
| 66 | Rp 6.467.539 | Rp 3.316.348 | Rp 3.151.191 | Rp 537.660.663 | fixed |
| 67 | Rp 6.467.539 | Rp 3.335.666 | Rp 3.131.873 | Rp 534.324.998 | fixed |
| 68 | Rp 6.467.539 | Rp 3.355.096 | Rp 3.112.443 | Rp 530.969.902 | fixed |
| 69 | Rp 6.467.539 | Rp 3.374.639 | Rp 3.092.900 | Rp 527.595.263 | fixed |
| 70 | Rp 6.467.539 | Rp 3.394.296 | Rp 3.073.242 | Rp 524.200.966 | fixed |
| 71 | Rp 6.467.539 | Rp 3.414.068 | Rp 3.053.471 | Rp 520.786.898 | fixed |
| 72 | Rp 6.467.539 | Rp 3.433.955 | Rp 3.033.584 | Rp 517.352.943 | fixed |
| 73 | Rp 6.467.539 | Rp 3.453.958 | Rp 3.013.581 | Rp 513.898.985 | fixed |
| 74 | Rp 6.467.539 | Rp 3.474.077 | Rp 2.993.462 | Rp 510.424.908 | fixed |
| 75 | Rp 6.467.539 | Rp 3.494.314 | Rp 2.973.225 | Rp 506.930.594 | fixed |
| 76 | Rp 6.467.539 | Rp 3.514.668 | Rp 2.952.871 | Rp 503.415.926 | fixed |
| 77 | Rp 6.467.539 | Rp 3.535.141 | Rp 2.932.398 | Rp 499.880.785 | fixed |
| 78 | Rp 6.467.539 | Rp 3.555.733 | Rp 2.911.806 | Rp 496.325.051 | fixed |
| 79 | Rp 6.467.539 | Rp 3.576.445 | Rp 2.891.093 | Rp 492.748.606 | fixed |
| 80 | Rp 6.467.539 | Rp 3.597.278 | Rp 2.870.261 | Rp 489.151.328 | fixed |
| 81 | Rp 6.467.539 | Rp 3.618.232 | Rp 2.849.306 | Rp 485.533.095 | fixed |
| 82 | Rp 6.467.539 | Rp 3.639.309 | Rp 2.828.230 | Rp 481.893.787 | fixed |
| 83 | Rp 6.467.539 | Rp 3.660.508 | Rp 2.807.031 | Rp 478.233.279 | fixed |
| 84 | Rp 6.467.539 | Rp 3.681.830 | Rp 2.785.709 | Rp 474.551.449 | fixed |
| 85 | Rp 6.467.539 | Rp 3.703.277 | Rp 2.764.262 | Rp 470.848.172 | fixed |
| 86 | Rp 6.467.539 | Rp 3.724.848 | Rp 2.742.691 | Rp 467.123.324 | fixed |
| 87 | Rp 6.467.539 | Rp 3.746.546 | Rp 2.720.993 | Rp 463.376.779 | fixed |
| 88 | Rp 6.467.539 | Rp 3.768.369 | Rp 2.699.170 | Rp 459.608.409 | fixed |
| 89 | Rp 6.467.539 | Rp 3.790.320 | Rp 2.677.219 | Rp 455.818.090 | fixed |
| 90 | Rp 6.467.539 | Rp 3.812.399 | Rp 2.655.140 | Rp 452.005.691 | fixed |
| 91 | Rp 6.467.539 | Rp 3.834.606 | Rp 2.632.933 | Rp 448.171.085 | fixed |
| 92 | Rp 6.467.539 | Rp 3.856.942 | Rp 2.610.597 | Rp 444.314.143 | fixed |
| 93 | Rp 6.467.539 | Rp 3.879.409 | Rp 2.588.130 | Rp 440.434.734 | fixed |
| 94 | Rp 6.467.539 | Rp 3.902.007 | Rp 2.565.532 | Rp 436.532.727 | fixed |
| 95 | Rp 6.467.539 | Rp 3.924.736 | Rp 2.542.803 | Rp 432.607.992 | fixed |
| 96 | Rp 6.467.539 | Rp 3.947.597 | Rp 2.519.942 | Rp 428.660.394 | fixed |
| 97 | Rp 6.467.539 | Rp 3.970.592 | Rp 2.496.947 | Rp 424.689.802 | fixed |
| 98 | Rp 6.467.539 | Rp 3.993.721 | Rp 2.473.818 | Rp 420.696.082 | fixed |
| 99 | Rp 6.467.539 | Rp 4.016.984 | Rp 2.450.555 | Rp 416.679.097 | fixed |
| 100 | Rp 6.467.539 | Rp 4.040.383 | Rp 2.427.156 | Rp 412.638.714 | fixed |
| 101 | Rp 6.467.539 | Rp 4.063.918 | Rp 2.403.621 | Rp 408.574.796 | fixed |
| 102 | Rp 6.467.539 | Rp 4.087.591 | Rp 2.379.948 | Rp 404.487.205 | fixed |
| 103 | Rp 6.467.539 | Rp 4.111.401 | Rp 2.356.138 | Rp 400.375.804 | fixed |
| 104 | Rp 6.467.539 | Rp 4.135.350 | Rp 2.332.189 | Rp 396.240.454 | fixed |
| 105 | Rp 6.467.539 | Rp 4.159.438 | Rp 2.308.101 | Rp 392.081.016 | fixed |
| 106 | Rp 6.467.539 | Rp 4.183.667 | Rp 2.283.872 | Rp 387.897.349 | fixed |
| 107 | Rp 6.467.539 | Rp 4.208.037 | Rp 2.259.502 | Rp 383.689.312 | fixed |
| 108 | Rp 6.467.539 | Rp 4.232.549 | Rp 2.234.990 | Rp 379.456.764 | fixed |
| 109 | Rp 6.467.539 | Rp 4.257.203 | Rp 2.210.336 | Rp 375.199.560 | fixed |
| 110 | Rp 6.467.539 | Rp 4.282.001 | Rp 2.185.537 | Rp 370.917.559 | fixed |
| 111 | Rp 6.467.539 | Rp 4.306.944 | Rp 2.160.595 | Rp 366.610.615 | fixed |
| 112 | Rp 6.467.539 | Rp 4.332.032 | Rp 2.135.507 | Rp 362.278.583 | fixed |
| 113 | Rp 6.467.539 | Rp 4.357.266 | Rp 2.110.273 | Rp 357.921.317 | fixed |
| 114 | Rp 6.467.539 | Rp 4.382.647 | Rp 2.084.892 | Rp 353.538.670 | fixed |
| 115 | Rp 6.467.539 | Rp 4.408.176 | Rp 2.059.363 | Rp 349.130.493 | fixed |
| 116 | Rp 6.467.539 | Rp 4.433.854 | Rp 2.033.685 | Rp 344.696.640 | fixed |
| 117 | Rp 6.467.539 | Rp 4.459.681 | Rp 2.007.858 | Rp 340.236.959 | fixed |
| 118 | Rp 6.467.539 | Rp 4.485.659 | Rp 1.981.880 | Rp 335.751.300 | fixed |
| 119 | Rp 6.467.539 | Rp 4.511.788 | Rp 1.955.751 | Rp 331.239.513 | fixed |
| 120 | Rp 6.467.539 | Rp 4.538.069 | Rp 1.929.470 | Rp 326.701.444 | fixed |
| 121 | Rp 6.467.539 | Rp 4.564.503 | Rp 1.903.036 | Rp 322.136.941 | fixed |
| 122 | Rp 6.467.539 | Rp 4.591.091 | Rp 1.876.448 | Rp 317.545.850 | fixed |
| 123 | Rp 6.467.539 | Rp 4.617.834 | Rp 1.849.705 | Rp 312.928.015 | fixed |
| 124 | Rp 6.467.539 | Rp 4.644.733 | Rp 1.822.806 | Rp 308.283.282 | fixed |
| 125 | Rp 6.467.539 | Rp 4.671.789 | Rp 1.795.750 | Rp 303.611.493 | fixed |
| 126 | Rp 6.467.539 | Rp 4.699.002 | Rp 1.768.537 | Rp 298.912.491 | fixed |
| 127 | Rp 6.467.539 | Rp 4.726.374 | Rp 1.741.165 | Rp 294.186.118 | fixed |
| 128 | Rp 6.467.539 | Rp 4.753.905 | Rp 1.713.634 | Rp 289.432.213 | fixed |
| 129 | Rp 6.467.539 | Rp 4.781.596 | Rp 1.685.943 | Rp 284.650.617 | fixed |
| 130 | Rp 6.467.539 | Rp 4.809.449 | Rp 1.658.090 | Rp 279.841.168 | fixed |
| 131 | Rp 6.467.539 | Rp 4.837.464 | Rp 1.630.075 | Rp 275.003.704 | fixed |
| 132 | Rp 6.467.539 | Rp 4.865.642 | Rp 1.601.897 | Rp 270.138.061 | fixed |
| 133 | Rp 6.467.539 | Rp 4.893.985 | Rp 1.573.554 | Rp 265.244.077 | fixed |
| 134 | Rp 6.467.539 | Rp 4.922.492 | Rp 1.545.047 | Rp 260.321.585 | fixed |
| 135 | Rp 6.467.539 | Rp 4.951.166 | Rp 1.516.373 | Rp 255.370.419 | fixed |
| 136 | Rp 6.467.539 | Rp 4.980.006 | Rp 1.487.533 | Rp 250.390.413 | fixed |
| 137 | Rp 6.467.539 | Rp 5.009.015 | Rp 1.458.524 | Rp 245.381.398 | fixed |
| 138 | Rp 6.467.539 | Rp 5.038.192 | Rp 1.429.347 | Rp 240.343.206 | fixed |
| 139 | Rp 6.467.539 | Rp 5.067.540 | Rp 1.399.999 | Rp 235.275.666 | fixed |
| 140 | Rp 6.467.539 | Rp 5.097.058 | Rp 1.370.481 | Rp 230.178.608 | fixed |
| 141 | Rp 6.467.539 | Rp 5.126.748 | Rp 1.340.790 | Rp 225.051.860 | fixed |
| 142 | Rp 6.467.539 | Rp 5.156.612 | Rp 1.310.927 | Rp 219.895.248 | fixed |
| 143 | Rp 6.467.539 | Rp 5.186.649 | Rp 1.280.890 | Rp 214.708.599 | fixed |
| 144 | Rp 6.467.539 | Rp 5.216.861 | Rp 1.250.678 | Rp 209.491.737 | fixed |
| 145 | Rp 6.467.539 | Rp 5.247.250 | Rp 1.220.289 | Rp 204.244.488 | fixed |
| 146 | Rp 6.467.539 | Rp 5.277.815 | Rp 1.189.724 | Rp 198.966.673 | fixed |
| 147 | Rp 6.467.539 | Rp 5.308.558 | Rp 1.158.981 | Rp 193.658.115 | fixed |
| 148 | Rp 6.467.539 | Rp 5.339.480 | Rp 1.128.059 | Rp 188.318.635 | fixed |
| 149 | Rp 6.467.539 | Rp 5.370.583 | Rp 1.096.956 | Rp 182.948.052 | fixed |
| 150 | Rp 6.467.539 | Rp 5.401.866 | Rp 1.065.672 | Rp 177.546.185 | fixed |
| 151 | Rp 6.467.539 | Rp 5.433.332 | Rp 1.034.207 | Rp 172.112.853 | fixed |
| 152 | Rp 6.467.539 | Rp 5.464.982 | Rp 1.002.557 | Rp 166.647.872 | fixed |
| 153 | Rp 6.467.539 | Rp 5.496.815 | Rp 970.724 | Rp 161.151.057 | fixed |
| 154 | Rp 6.467.539 | Rp 5.528.834 | Rp 938.705 | Rp 155.622.223 | fixed |
| 155 | Rp 6.467.539 | Rp 5.561.039 | Rp 906.499 | Rp 150.061.183 | fixed |
| 156 | Rp 6.467.539 | Rp 5.593.432 | Rp 874.106 | Rp 144.467.751 | fixed |
| 157 | Rp 6.467.539 | Rp 5.626.014 | Rp 841.525 | Rp 138.841.736 | fixed |
| 158 | Rp 6.467.539 | Rp 5.658.786 | Rp 808.753 | Rp 133.182.951 | fixed |
| 159 | Rp 6.467.539 | Rp 5.691.748 | Rp 775.791 | Rp 127.491.202 | fixed |
| 160 | Rp 6.467.539 | Rp 5.724.903 | Rp 742.636 | Rp 121.766.300 | fixed |
| 161 | Rp 6.467.539 | Rp 5.758.250 | Rp 709.289 | Rp 116.008.050 | fixed |
| 162 | Rp 6.467.539 | Rp 5.791.792 | Rp 675.747 | Rp 110.216.258 | fixed |
| 163 | Rp 6.467.539 | Rp 5.825.529 | Rp 642.010 | Rp 104.390.728 | fixed |
| 164 | Rp 6.467.539 | Rp 5.859.463 | Rp 608.076 | Rp 98.531.266 | fixed |
| 165 | Rp 6.467.539 | Rp 5.893.594 | Rp 573.945 | Rp 92.637.671 | fixed |
| 166 | Rp 6.467.539 | Rp 5.927.924 | Rp 539.614 | Rp 86.709.747 | fixed |
| 167 | Rp 6.467.539 | Rp 5.962.455 | Rp 505.084 | Rp 80.747.292 | fixed |
| 168 | Rp 6.467.539 | Rp 5.997.186 | Rp 470.353 | Rp 74.750.106 | fixed |
| 169 | Rp 6.467.539 | Rp 6.032.120 | Rp 435.419 | Rp 68.717.987 | fixed |
| 170 | Rp 6.467.539 | Rp 6.067.257 | Rp 400.282 | Rp 62.650.730 | fixed |
| 171 | Rp 6.467.539 | Rp 6.102.598 | Rp 364.941 | Rp 56.548.132 | fixed |
| 172 | Rp 6.467.539 | Rp 6.138.146 | Rp 329.393 | Rp 50.409.986 | fixed |
| 173 | Rp 6.467.539 | Rp 6.173.901 | Rp 293.638 | Rp 44.236.085 | fixed |
| 174 | Rp 6.467.539 | Rp 6.209.864 | Rp 257.675 | Rp 38.026.221 | fixed |
| 175 | Rp 6.467.539 | Rp 6.246.036 | Rp 221.503 | Rp 31.780.185 | fixed |
| 176 | Rp 6.467.539 | Rp 6.282.419 | Rp 185.120 | Rp 25.497.766 | fixed |
| 177 | Rp 6.467.539 | Rp 6.319.014 | Rp 148.524 | Rp 19.178.752 | fixed |
| 178 | Rp 6.467.539 | Rp 6.355.823 | Rp 111.716 | Rp 12.822.929 | fixed |
| 179 | Rp 6.467.539 | Rp 6.392.845 | Rp 74.694 | Rp 6.430.084 | fixed |
| 180 | Rp 6.467.539 | Rp 6.430.084 | Rp 37.455 | Rp 0 | fixed |
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 Muamalat Rp 200 juta 15 tahun
| Pokok pinjaman | Rp 200.000.000 |
| Bunga fixed | 6,99% selama 30 tahun |
| Bunga floating estimasi | 6,99% |
| Tenor total | 15 tahun (180 bulan) |
| Cicilan tahun fixed | Rp 1.796.539/bulan |
| Cicilan estimasi tahun floating | Rp 1.796.539/bulan |
| Total bunga sepanjang tenor | Rp 123.376.944 |
| Total dibayar | Rp 323.376.944 |
Pertimbangan untuk pinjaman Rp 200 juta
Pinjaman Rp 200 juta dengan tenor 15 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 5.389.616/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:
- DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 250.000.000 bisa menghemat sekitar Rp 12.337.694 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 Muamalat
Bank syariah pertama Indonesia. Akad Murabahah. Sumber rate card: https://www.bankmuamalat.co.id/pembiayaan-konsumer/kpr-ib-muamalat.
Pertanyaan yang sering diajukan
Berapa cicilan KPR Muamalat Rp 200 juta 15 tahun?
Untuk pinjaman Rp 200 juta dengan tenor 15 tahun, cicilan tahun fixed (30 tahun pertama, bunga 6.99%) sekitar Rp 1.796.539. Setelah masa fixed, cicilan estimasi Rp 1.796.539 dengan bunga floating ~6.99%.
Berapa total bunga yang dibayar untuk KPR Rp 200 juta 15 tahun di Muamalat?
Total bunga estimasi sekitar Rp 123.376.944 sepanjang tenor 15 tahun. Total dibayar (pokok + bunga) sekitar Rp 323.376.944. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR Muamalat?
Muamalat 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 Muamalat 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 Muamalat untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 200 juta 15 tahun)
- Simulasi KPR BCA Rp 200 juta 15 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 200 juta 15 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 200 juta 15 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 200 juta 15 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 200 juta 15 tahun (fixed 5%)
Skenario lain Muamalat
- KPR Muamalat Rp 300 juta tenor 15 tahun
- KPR Muamalat Rp 500 juta tenor 15 tahun
- KPR Muamalat Rp 750 juta tenor 15 tahun
- KPR Muamalat Rp 1 miliar tenor 15 tahun
- KPR Muamalat Rp 200 juta tenor 5 tahun
- KPR Muamalat Rp 200 juta tenor 10 tahun
- KPR Muamalat Rp 200 juta tenor 20 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi Muamalat. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.