Simulasi KPR Muamalat Rp 300 juta Tenor 5 tahun
Hitung cicilan KPR Muamalat untuk pinjaman Rp 300 juta dengan tenor 5 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 5.938.944/bulan
Lalu cicilan estimasi tahun floating: Rp 5.938.944/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 300 juta 5 tahun
| Pokok pinjaman | Rp 300.000.000 |
| Bunga fixed | 6,99% selama 30 tahun |
| Bunga floating estimasi | 6,99% |
| Tenor total | 5 tahun (60 bulan) |
| Cicilan tahun fixed | Rp 5.938.944/bulan |
| Cicilan estimasi tahun floating | Rp 5.938.944/bulan |
| Total bunga sepanjang tenor | Rp 56.336.656 |
| Total dibayar | Rp 356.336.656 |
Pertimbangan untuk pinjaman Rp 300 juta
Pinjaman Rp 300 juta dengan tenor 5 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 17.816.833/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:
- DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 375.000.000 bisa menghemat sekitar Rp 5.633.666 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 300 juta 5 tahun?
Untuk pinjaman Rp 300 juta dengan tenor 5 tahun, cicilan tahun fixed (30 tahun pertama, bunga 6.99%) sekitar Rp 5.938.944. Setelah masa fixed, cicilan estimasi Rp 5.938.944 dengan bunga floating ~6.99%.
Berapa total bunga yang dibayar untuk KPR Rp 300 juta 5 tahun di Muamalat?
Total bunga estimasi sekitar Rp 56.336.656 sepanjang tenor 5 tahun. Total dibayar (pokok + bunga) sekitar Rp 356.336.656. 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 300 juta 5 tahun)
- Simulasi KPR BCA Rp 300 juta 5 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 300 juta 5 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 300 juta 5 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 300 juta 5 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 300 juta 5 tahun (fixed 5%)
Skenario lain Muamalat
- KPR Muamalat Rp 200 juta tenor 5 tahun
- KPR Muamalat Rp 500 juta tenor 5 tahun
- KPR Muamalat Rp 750 juta tenor 5 tahun
- KPR Muamalat Rp 1 miliar tenor 5 tahun
- KPR Muamalat Rp 300 juta tenor 10 tahun
- KPR Muamalat Rp 300 juta tenor 15 tahun
- KPR Muamalat Rp 300 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.