Simulasi KPR OCBC NISP Rp 500 juta Tenor 5 tahun
Hitung cicilan KPR OCBC NISP untuk pinjaman Rp 500 juta dengan tenor 5 tahun. Pakai parameter rate card publik PT Bank OCBC NISP Tbk.
Data per 02-05-2026 · Sumber: Rate card publik OCBC NISP
Cicilan tahun fixed (3 tahun pertama)
Rp 9.433.326/bulan
Lalu cicilan estimasi tahun floating: Rp 9.809.447/bulan
Sesuaikan parameter
Simulasi memakai parameter OCBC NISP 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 5.689.964
Cicilan estimasi tahun floating (sisa 12 tahun)
Rp 6.953.113
Total bunga / margin dibayar
Rp 486.086.955
Total dibayar (pokok + bunga)
Rp 1.206.086.955
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 6.953.113 | Rp 2.413.520 | Rp 4.539.592 | Rp 613.124.435 | floating |
| 38 | Rp 6.953.113 | Rp 2.431.320 | Rp 4.521.793 | Rp 610.693.115 | floating |
| 39 | Rp 6.953.113 | Rp 2.449.251 | Rp 4.503.862 | Rp 608.243.864 | floating |
| 40 | Rp 6.953.113 | Rp 2.467.314 | Rp 4.485.798 | Rp 605.776.550 | floating |
| 41 | Rp 6.953.113 | Rp 2.485.511 | Rp 4.467.602 | Rp 603.291.039 | floating |
| 42 | Rp 6.953.113 | Rp 2.503.841 | Rp 4.449.271 | Rp 600.787.198 | floating |
| 43 | Rp 6.953.113 | Rp 2.522.307 | Rp 4.430.806 | Rp 598.264.891 | floating |
| 44 | Rp 6.953.113 | Rp 2.540.909 | Rp 4.412.204 | Rp 595.723.981 | floating |
| 45 | Rp 6.953.113 | Rp 2.559.648 | Rp 4.393.464 | Rp 593.164.333 | floating |
| 46 | Rp 6.953.113 | Rp 2.578.526 | Rp 4.374.587 | Rp 590.585.807 | floating |
| 47 | Rp 6.953.113 | Rp 2.597.542 | Rp 4.355.570 | Rp 587.988.265 | floating |
| 48 | Rp 6.953.113 | Rp 2.616.699 | Rp 4.336.413 | Rp 585.371.565 | floating |
| 49 | Rp 6.953.113 | Rp 2.635.998 | Rp 4.317.115 | Rp 582.735.568 | floating |
| 50 | Rp 6.953.113 | Rp 2.655.438 | Rp 4.297.675 | Rp 580.080.130 | floating |
| 51 | Rp 6.953.113 | Rp 2.675.022 | Rp 4.278.091 | Rp 577.405.108 | floating |
| 52 | Rp 6.953.113 | Rp 2.694.750 | Rp 4.258.363 | Rp 574.710.358 | floating |
| 53 | Rp 6.953.113 | Rp 2.714.624 | Rp 4.238.489 | Rp 571.995.734 | floating |
| 54 | Rp 6.953.113 | Rp 2.734.644 | Rp 4.218.469 | Rp 569.261.089 | floating |
| 55 | Rp 6.953.113 | Rp 2.754.812 | Rp 4.198.301 | Rp 566.506.277 | floating |
| 56 | Rp 6.953.113 | Rp 2.775.129 | Rp 4.177.984 | Rp 563.731.148 | floating |
| 57 | Rp 6.953.113 | Rp 2.795.596 | Rp 4.157.517 | Rp 560.935.553 | floating |
| 58 | Rp 6.953.113 | Rp 2.816.213 | Rp 4.136.900 | Rp 558.119.339 | floating |
| 59 | Rp 6.953.113 | Rp 2.836.983 | Rp 4.116.130 | Rp 555.282.357 | floating |
| 60 | Rp 6.953.113 | Rp 2.857.905 | Rp 4.095.207 | Rp 552.424.451 | floating |
| 61 | Rp 6.953.113 | Rp 2.878.982 | Rp 4.074.130 | Rp 549.545.469 | floating |
| 62 | Rp 6.953.113 | Rp 2.900.215 | Rp 4.052.898 | Rp 546.645.254 | floating |
| 63 | Rp 6.953.113 | Rp 2.921.604 | Rp 4.031.509 | Rp 543.723.650 | floating |
| 64 | Rp 6.953.113 | Rp 2.943.151 | Rp 4.009.962 | Rp 540.780.499 | floating |
| 65 | Rp 6.953.113 | Rp 2.964.857 | Rp 3.988.256 | Rp 537.815.642 | floating |
| 66 | Rp 6.953.113 | Rp 2.986.722 | Rp 3.966.390 | Rp 534.828.920 | floating |
| 67 | Rp 6.953.113 | Rp 3.008.750 | Rp 3.944.363 | Rp 531.820.170 | floating |
| 68 | Rp 6.953.113 | Rp 3.030.939 | Rp 3.922.174 | Rp 528.789.231 | floating |
| 69 | Rp 6.953.113 | Rp 3.053.292 | Rp 3.899.821 | Rp 525.735.939 | floating |
| 70 | Rp 6.953.113 | Rp 3.075.810 | Rp 3.877.303 | Rp 522.660.129 | floating |
| 71 | Rp 6.953.113 | Rp 3.098.494 | Rp 3.854.618 | Rp 519.561.634 | floating |
| 72 | Rp 6.953.113 | Rp 3.121.346 | Rp 3.831.767 | Rp 516.440.289 | floating |
| 73 | Rp 6.953.113 | Rp 3.144.366 | Rp 3.808.747 | Rp 513.295.923 | floating |
| 74 | Rp 6.953.113 | Rp 3.167.555 | Rp 3.785.557 | Rp 510.128.368 | floating |
| 75 | Rp 6.953.113 | Rp 3.190.916 | Rp 3.762.197 | Rp 506.937.452 | floating |
| 76 | Rp 6.953.113 | Rp 3.214.449 | Rp 3.738.664 | Rp 503.723.002 | floating |
| 77 | Rp 6.953.113 | Rp 3.238.156 | Rp 3.714.957 | Rp 500.484.847 | floating |
| 78 | Rp 6.953.113 | Rp 3.262.037 | Rp 3.691.076 | Rp 497.222.810 | floating |
| 79 | Rp 6.953.113 | Rp 3.286.095 | Rp 3.667.018 | Rp 493.936.715 | floating |
| 80 | Rp 6.953.113 | Rp 3.310.330 | Rp 3.642.783 | Rp 490.626.386 | floating |
| 81 | Rp 6.953.113 | Rp 3.334.743 | Rp 3.618.370 | Rp 487.291.642 | floating |
| 82 | Rp 6.953.113 | Rp 3.359.337 | Rp 3.593.776 | Rp 483.932.305 | floating |
| 83 | Rp 6.953.113 | Rp 3.384.112 | Rp 3.569.001 | Rp 480.548.193 | floating |
| 84 | Rp 6.953.113 | Rp 3.409.070 | Rp 3.544.043 | Rp 477.139.124 | floating |
| 85 | Rp 6.953.113 | Rp 3.434.212 | Rp 3.518.901 | Rp 473.704.912 | floating |
| 86 | Rp 6.953.113 | Rp 3.459.539 | Rp 3.493.574 | Rp 470.245.373 | floating |
| 87 | Rp 6.953.113 | Rp 3.485.053 | Rp 3.468.060 | Rp 466.760.319 | floating |
| 88 | Rp 6.953.113 | Rp 3.510.755 | Rp 3.442.357 | Rp 463.249.564 | floating |
| 89 | Rp 6.953.113 | Rp 3.536.647 | Rp 3.416.466 | Rp 459.712.917 | floating |
| 90 | Rp 6.953.113 | Rp 3.562.730 | Rp 3.390.383 | Rp 456.150.187 | floating |
| 91 | Rp 6.953.113 | Rp 3.589.005 | Rp 3.364.108 | Rp 452.561.182 | floating |
| 92 | Rp 6.953.113 | Rp 3.615.474 | Rp 3.337.639 | Rp 448.945.707 | floating |
| 93 | Rp 6.953.113 | Rp 3.642.138 | Rp 3.310.975 | Rp 445.303.569 | floating |
| 94 | Rp 6.953.113 | Rp 3.668.999 | Rp 3.284.114 | Rp 441.634.570 | floating |
| 95 | Rp 6.953.113 | Rp 3.696.058 | Rp 3.257.055 | Rp 437.938.512 | floating |
| 96 | Rp 6.953.113 | Rp 3.723.316 | Rp 3.229.797 | Rp 434.215.196 | floating |
| 97 | Rp 6.953.113 | Rp 3.750.776 | Rp 3.202.337 | Rp 430.464.420 | floating |
| 98 | Rp 6.953.113 | Rp 3.778.438 | Rp 3.174.675 | Rp 426.685.983 | floating |
| 99 | Rp 6.953.113 | Rp 3.806.304 | Rp 3.146.809 | Rp 422.879.679 | floating |
| 100 | Rp 6.953.113 | Rp 3.834.375 | Rp 3.118.738 | Rp 419.045.304 | floating |
| 101 | Rp 6.953.113 | Rp 3.862.654 | Rp 3.090.459 | Rp 415.182.650 | floating |
| 102 | Rp 6.953.113 | Rp 3.891.141 | Rp 3.061.972 | Rp 411.291.509 | floating |
| 103 | Rp 6.953.113 | Rp 3.919.838 | Rp 3.033.275 | Rp 407.371.671 | floating |
| 104 | Rp 6.953.113 | Rp 3.948.747 | Rp 3.004.366 | Rp 403.422.925 | floating |
| 105 | Rp 6.953.113 | Rp 3.977.869 | Rp 2.975.244 | Rp 399.445.056 | floating |
| 106 | Rp 6.953.113 | Rp 4.007.206 | Rp 2.945.907 | Rp 395.437.850 | floating |
| 107 | Rp 6.953.113 | Rp 4.036.759 | Rp 2.916.354 | Rp 391.401.092 | floating |
| 108 | Rp 6.953.113 | Rp 4.066.530 | Rp 2.886.583 | Rp 387.334.562 | floating |
| 109 | Rp 6.953.113 | Rp 4.096.520 | Rp 2.856.592 | Rp 383.238.042 | floating |
| 110 | Rp 6.953.113 | Rp 4.126.732 | Rp 2.826.381 | Rp 379.111.309 | floating |
| 111 | Rp 6.953.113 | Rp 4.157.167 | Rp 2.795.946 | Rp 374.954.142 | floating |
| 112 | Rp 6.953.113 | Rp 4.187.826 | Rp 2.765.287 | Rp 370.766.316 | floating |
| 113 | Rp 6.953.113 | Rp 4.218.711 | Rp 2.734.402 | Rp 366.547.605 | floating |
| 114 | Rp 6.953.113 | Rp 4.249.824 | Rp 2.703.289 | Rp 362.297.781 | floating |
| 115 | Rp 6.953.113 | Rp 4.281.167 | Rp 2.671.946 | Rp 358.016.614 | floating |
| 116 | Rp 6.953.113 | Rp 4.312.740 | Rp 2.640.373 | Rp 353.703.874 | floating |
| 117 | Rp 6.953.113 | Rp 4.344.547 | Rp 2.608.566 | Rp 349.359.327 | floating |
| 118 | Rp 6.953.113 | Rp 4.376.588 | Rp 2.576.525 | Rp 344.982.740 | floating |
| 119 | Rp 6.953.113 | Rp 4.408.865 | Rp 2.544.248 | Rp 340.573.874 | floating |
| 120 | Rp 6.953.113 | Rp 4.441.380 | Rp 2.511.732 | Rp 336.132.494 | floating |
| 121 | Rp 6.953.113 | Rp 4.474.136 | Rp 2.478.977 | Rp 331.658.358 | floating |
| 122 | Rp 6.953.113 | Rp 4.507.132 | Rp 2.445.980 | Rp 327.151.226 | floating |
| 123 | Rp 6.953.113 | Rp 4.540.373 | Rp 2.412.740 | Rp 322.610.853 | floating |
| 124 | Rp 6.953.113 | Rp 4.573.858 | Rp 2.379.255 | Rp 318.036.996 | floating |
| 125 | Rp 6.953.113 | Rp 4.607.590 | Rp 2.345.523 | Rp 313.429.406 | floating |
| 126 | Rp 6.953.113 | Rp 4.641.571 | Rp 2.311.542 | Rp 308.787.835 | floating |
| 127 | Rp 6.953.113 | Rp 4.675.803 | Rp 2.277.310 | Rp 304.112.032 | floating |
| 128 | Rp 6.953.113 | Rp 4.710.287 | Rp 2.242.826 | Rp 299.401.746 | floating |
| 129 | Rp 6.953.113 | Rp 4.745.025 | Rp 2.208.088 | Rp 294.656.721 | floating |
| 130 | Rp 6.953.113 | Rp 4.780.019 | Rp 2.173.093 | Rp 289.876.701 | floating |
| 131 | Rp 6.953.113 | Rp 4.815.272 | Rp 2.137.841 | Rp 285.061.429 | floating |
| 132 | Rp 6.953.113 | Rp 4.850.785 | Rp 2.102.328 | Rp 280.210.644 | floating |
| 133 | Rp 6.953.113 | Rp 4.886.559 | Rp 2.066.554 | Rp 275.324.085 | floating |
| 134 | Rp 6.953.113 | Rp 4.922.598 | Rp 2.030.515 | Rp 270.401.487 | floating |
| 135 | Rp 6.953.113 | Rp 4.958.902 | Rp 1.994.211 | Rp 265.442.585 | floating |
| 136 | Rp 6.953.113 | Rp 4.995.474 | Rp 1.957.639 | Rp 260.447.112 | floating |
| 137 | Rp 6.953.113 | Rp 5.032.315 | Rp 1.920.797 | Rp 255.414.796 | floating |
| 138 | Rp 6.953.113 | Rp 5.069.429 | Rp 1.883.684 | Rp 250.345.368 | floating |
| 139 | Rp 6.953.113 | Rp 5.106.816 | Rp 1.846.297 | Rp 245.238.552 | floating |
| 140 | Rp 6.953.113 | Rp 5.144.478 | Rp 1.808.634 | Rp 240.094.073 | floating |
| 141 | Rp 6.953.113 | Rp 5.182.419 | Rp 1.770.694 | Rp 234.911.654 | floating |
| 142 | Rp 6.953.113 | Rp 5.220.639 | Rp 1.732.473 | Rp 229.691.015 | floating |
| 143 | Rp 6.953.113 | Rp 5.259.142 | Rp 1.693.971 | Rp 224.431.873 | floating |
| 144 | Rp 6.953.113 | Rp 5.297.928 | Rp 1.655.185 | Rp 219.133.946 | floating |
| 145 | Rp 6.953.113 | Rp 5.337.000 | Rp 1.616.113 | Rp 213.796.946 | floating |
| 146 | Rp 6.953.113 | Rp 5.376.360 | Rp 1.576.752 | Rp 208.420.585 | floating |
| 147 | Rp 6.953.113 | Rp 5.416.011 | Rp 1.537.102 | Rp 203.004.574 | floating |
| 148 | Rp 6.953.113 | Rp 5.455.954 | Rp 1.497.159 | Rp 197.548.620 | floating |
| 149 | Rp 6.953.113 | Rp 5.496.192 | Rp 1.456.921 | Rp 192.052.429 | floating |
| 150 | Rp 6.953.113 | Rp 5.536.726 | Rp 1.416.387 | Rp 186.515.703 | floating |
| 151 | Rp 6.953.113 | Rp 5.577.560 | Rp 1.375.553 | Rp 180.938.143 | floating |
| 152 | Rp 6.953.113 | Rp 5.618.694 | Rp 1.334.419 | Rp 175.319.449 | floating |
| 153 | Rp 6.953.113 | Rp 5.660.132 | Rp 1.292.981 | Rp 169.659.317 | floating |
| 154 | Rp 6.953.113 | Rp 5.701.875 | Rp 1.251.237 | Rp 163.957.442 | floating |
| 155 | Rp 6.953.113 | Rp 5.743.927 | Rp 1.209.186 | Rp 158.213.515 | floating |
| 156 | Rp 6.953.113 | Rp 5.786.288 | Rp 1.166.825 | Rp 152.427.227 | floating |
| 157 | Rp 6.953.113 | Rp 5.828.962 | Rp 1.124.151 | Rp 146.598.265 | floating |
| 158 | Rp 6.953.113 | Rp 5.871.951 | Rp 1.081.162 | Rp 140.726.314 | floating |
| 159 | Rp 6.953.113 | Rp 5.915.256 | Rp 1.037.857 | Rp 134.811.058 | floating |
| 160 | Rp 6.953.113 | Rp 5.958.881 | Rp 994.232 | Rp 128.852.177 | floating |
| 161 | Rp 6.953.113 | Rp 6.002.828 | Rp 950.285 | Rp 122.849.349 | floating |
| 162 | Rp 6.953.113 | Rp 6.047.099 | Rp 906.014 | Rp 116.802.250 | floating |
| 163 | Rp 6.953.113 | Rp 6.091.696 | Rp 861.417 | Rp 110.710.554 | floating |
| 164 | Rp 6.953.113 | Rp 6.136.622 | Rp 816.490 | Rp 104.573.931 | floating |
| 165 | Rp 6.953.113 | Rp 6.181.880 | Rp 771.233 | Rp 98.392.051 | floating |
| 166 | Rp 6.953.113 | Rp 6.227.471 | Rp 725.641 | Rp 92.164.580 | floating |
| 167 | Rp 6.953.113 | Rp 6.273.399 | Rp 679.714 | Rp 85.891.181 | floating |
| 168 | Rp 6.953.113 | Rp 6.319.665 | Rp 633.447 | Rp 79.571.515 | floating |
| 169 | Rp 6.953.113 | Rp 6.366.273 | Rp 586.840 | Rp 73.205.243 | floating |
| 170 | Rp 6.953.113 | Rp 6.413.224 | Rp 539.889 | Rp 66.792.018 | floating |
| 171 | Rp 6.953.113 | Rp 6.460.522 | Rp 492.591 | Rp 60.331.497 | floating |
| 172 | Rp 6.953.113 | Rp 6.508.168 | Rp 444.945 | Rp 53.823.329 | floating |
| 173 | Rp 6.953.113 | Rp 6.556.166 | Rp 396.947 | Rp 47.267.163 | floating |
| 174 | Rp 6.953.113 | Rp 6.604.517 | Rp 348.595 | Rp 40.662.646 | floating |
| 175 | Rp 6.953.113 | Rp 6.653.226 | Rp 299.887 | Rp 34.009.420 | floating |
| 176 | Rp 6.953.113 | Rp 6.702.293 | Rp 250.819 | Rp 27.307.126 | floating |
| 177 | Rp 6.953.113 | Rp 6.751.723 | Rp 201.390 | Rp 20.555.404 | floating |
| 178 | Rp 6.953.113 | Rp 6.801.517 | Rp 151.596 | Rp 13.753.887 | floating |
| 179 | Rp 6.953.113 | Rp 6.851.678 | Rp 101.435 | Rp 6.902.209 | floating |
| 180 | Rp 6.953.113 | Rp 6.902.209 | Rp 50.904 | 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 OCBC NISP Rp 500 juta 5 tahun
| Pokok pinjaman | Rp 500.000.000 |
| Bunga fixed | 4,99% selama 3 tahun |
| Bunga floating estimasi | 8,85% |
| Tenor total | 5 tahun (60 bulan) |
| Cicilan tahun fixed | Rp 9.433.326/bulan |
| Cicilan estimasi tahun floating | Rp 9.809.447/bulan |
| Total bunga sepanjang tenor | Rp 75.026.474 |
| Total dibayar | Rp 575.026.474 |
Pertimbangan untuk pinjaman Rp 500 juta
Pinjaman Rp 500 juta dengan tenor 5 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 28.299.979/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 7.502.647 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 OCBC NISP
OCBC NISP KPR adalah produk KPR PT Bank OCBC NISP Tbk dengan skema fixed-floating standar perbankan Indonesia. Sumber rate card: https://www.ocbc.id/id/personal-banking/kredit/kpr.
Pertanyaan yang sering diajukan
Berapa cicilan KPR OCBC NISP Rp 500 juta 5 tahun?
Untuk pinjaman Rp 500 juta dengan tenor 5 tahun, cicilan tahun fixed (3 tahun pertama, bunga 4.99%) sekitar Rp 9.433.326. Setelah masa fixed, cicilan estimasi Rp 9.809.447 dengan bunga floating ~8.85%.
Berapa total bunga yang dibayar untuk KPR Rp 500 juta 5 tahun di OCBC NISP?
Total bunga estimasi sekitar Rp 75.026.474 sepanjang tenor 5 tahun. Total dibayar (pokok + bunga) sekitar Rp 575.026.474. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR OCBC NISP?
OCBC NISP 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 OCBC NISP 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 OCBC NISP 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 OCBC NISP
- KPR OCBC NISP Rp 200 juta tenor 5 tahun
- KPR OCBC NISP Rp 300 juta tenor 5 tahun
- KPR OCBC NISP Rp 750 juta tenor 5 tahun
- KPR OCBC NISP Rp 1 miliar tenor 5 tahun
- KPR OCBC NISP Rp 500 juta tenor 10 tahun
- KPR OCBC NISP Rp 500 juta tenor 15 tahun
- KPR OCBC NISP Rp 500 juta tenor 20 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi OCBC NISP. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.