Simulasi KPR Panin Rp 1,5 miliar Tenor 20 tahun
Hitung cicilan KPR Panin untuk pinjaman Rp 1,5 miliar dengan tenor 20 tahun. Pakai parameter rate card publik PT Bank Pan Indonesia Tbk.
Data per 02-05-2026 · Sumber: Rate card publik Panin
Cicilan tahun fixed (3 tahun pertama)
Rp 10.318.310/bulan
Lalu cicilan estimasi tahun floating: Rp 13.303.779/bulan
Sesuaikan parameter
Simulasi memakai parameter Panin 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 7.133.588
Total bunga / margin dibayar
Rp 519.024.703
Total dibayar (pokok + bunga)
Rp 1.239.024.703
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 7.133.588 | Rp 2.360.965 | Rp 4.772.623 | Rp 616.790.075 | floating |
| 38 | Rp 7.133.588 | Rp 2.379.165 | Rp 4.754.423 | Rp 614.410.911 | floating |
| 39 | Rp 7.133.588 | Rp 2.397.504 | Rp 4.736.084 | Rp 612.013.407 | floating |
| 40 | Rp 7.133.588 | Rp 2.415.985 | Rp 4.717.603 | Rp 609.597.422 | floating |
| 41 | Rp 7.133.588 | Rp 2.434.608 | Rp 4.698.980 | Rp 607.162.814 | floating |
| 42 | Rp 7.133.588 | Rp 2.453.375 | Rp 4.680.213 | Rp 604.709.440 | floating |
| 43 | Rp 7.133.588 | Rp 2.472.286 | Rp 4.661.302 | Rp 602.237.154 | floating |
| 44 | Rp 7.133.588 | Rp 2.491.343 | Rp 4.642.245 | Rp 599.745.810 | floating |
| 45 | Rp 7.133.588 | Rp 2.510.547 | Rp 4.623.041 | Rp 597.235.263 | floating |
| 46 | Rp 7.133.588 | Rp 2.529.900 | Rp 4.603.688 | Rp 594.705.364 | floating |
| 47 | Rp 7.133.588 | Rp 2.549.401 | Rp 4.584.187 | Rp 592.155.963 | floating |
| 48 | Rp 7.133.588 | Rp 2.569.052 | Rp 4.564.536 | Rp 589.586.910 | floating |
| 49 | Rp 7.133.588 | Rp 2.588.856 | Rp 4.544.732 | Rp 586.998.055 | floating |
| 50 | Rp 7.133.588 | Rp 2.608.811 | Rp 4.524.777 | Rp 584.389.243 | floating |
| 51 | Rp 7.133.588 | Rp 2.628.921 | Rp 4.504.667 | Rp 581.760.323 | floating |
| 52 | Rp 7.133.588 | Rp 2.649.186 | Rp 4.484.402 | Rp 579.111.137 | floating |
| 53 | Rp 7.133.588 | Rp 2.669.606 | Rp 4.463.982 | Rp 576.441.531 | floating |
| 54 | Rp 7.133.588 | Rp 2.690.185 | Rp 4.443.403 | Rp 573.751.346 | floating |
| 55 | Rp 7.133.588 | Rp 2.710.921 | Rp 4.422.667 | Rp 571.040.425 | floating |
| 56 | Rp 7.133.588 | Rp 2.731.818 | Rp 4.401.770 | Rp 568.308.607 | floating |
| 57 | Rp 7.133.588 | Rp 2.752.876 | Rp 4.380.712 | Rp 565.555.731 | floating |
| 58 | Rp 7.133.588 | Rp 2.774.096 | Rp 4.359.492 | Rp 562.781.635 | floating |
| 59 | Rp 7.133.588 | Rp 2.795.480 | Rp 4.338.108 | Rp 559.986.155 | floating |
| 60 | Rp 7.133.588 | Rp 2.817.028 | Rp 4.316.560 | Rp 557.169.127 | floating |
| 61 | Rp 7.133.588 | Rp 2.838.743 | Rp 4.294.845 | Rp 554.330.385 | floating |
| 62 | Rp 7.133.588 | Rp 2.860.625 | Rp 4.272.963 | Rp 551.469.760 | floating |
| 63 | Rp 7.133.588 | Rp 2.882.675 | Rp 4.250.913 | Rp 548.587.085 | floating |
| 64 | Rp 7.133.588 | Rp 2.904.896 | Rp 4.228.692 | Rp 545.682.189 | floating |
| 65 | Rp 7.133.588 | Rp 2.927.288 | Rp 4.206.300 | Rp 542.754.901 | floating |
| 66 | Rp 7.133.588 | Rp 2.949.852 | Rp 4.183.736 | Rp 539.805.049 | floating |
| 67 | Rp 7.133.588 | Rp 2.972.591 | Rp 4.160.997 | Rp 536.832.458 | floating |
| 68 | Rp 7.133.588 | Rp 2.995.504 | Rp 4.138.084 | Rp 533.836.954 | floating |
| 69 | Rp 7.133.588 | Rp 3.018.595 | Rp 4.114.993 | Rp 530.818.359 | floating |
| 70 | Rp 7.133.588 | Rp 3.041.863 | Rp 4.091.725 | Rp 527.776.496 | floating |
| 71 | Rp 7.133.588 | Rp 3.065.311 | Rp 4.068.277 | Rp 524.711.185 | floating |
| 72 | Rp 7.133.588 | Rp 3.088.939 | Rp 4.044.649 | Rp 521.622.246 | floating |
| 73 | Rp 7.133.588 | Rp 3.112.750 | Rp 4.020.838 | Rp 518.509.496 | floating |
| 74 | Rp 7.133.588 | Rp 3.136.744 | Rp 3.996.844 | Rp 515.372.752 | floating |
| 75 | Rp 7.133.588 | Rp 3.160.923 | Rp 3.972.665 | Rp 512.211.829 | floating |
| 76 | Rp 7.133.588 | Rp 3.185.288 | Rp 3.948.300 | Rp 509.026.540 | floating |
| 77 | Rp 7.133.588 | Rp 3.209.842 | Rp 3.923.746 | Rp 505.816.699 | floating |
| 78 | Rp 7.133.588 | Rp 3.234.584 | Rp 3.899.004 | Rp 502.582.114 | floating |
| 79 | Rp 7.133.588 | Rp 3.259.518 | Rp 3.874.070 | Rp 499.322.597 | floating |
| 80 | Rp 7.133.588 | Rp 3.284.643 | Rp 3.848.945 | Rp 496.037.954 | floating |
| 81 | Rp 7.133.588 | Rp 3.309.962 | Rp 3.823.626 | Rp 492.727.992 | floating |
| 82 | Rp 7.133.588 | Rp 3.335.476 | Rp 3.798.112 | Rp 489.392.515 | floating |
| 83 | Rp 7.133.588 | Rp 3.361.187 | Rp 3.772.401 | Rp 486.031.328 | floating |
| 84 | Rp 7.133.588 | Rp 3.387.097 | Rp 3.746.491 | Rp 482.644.231 | floating |
| 85 | Rp 7.133.588 | Rp 3.413.205 | Rp 3.720.383 | Rp 479.231.026 | floating |
| 86 | Rp 7.133.588 | Rp 3.439.516 | Rp 3.694.072 | Rp 475.791.510 | floating |
| 87 | Rp 7.133.588 | Rp 3.466.028 | Rp 3.667.560 | Rp 472.325.482 | floating |
| 88 | Rp 7.133.588 | Rp 3.492.746 | Rp 3.640.842 | Rp 468.832.736 | floating |
| 89 | Rp 7.133.588 | Rp 3.519.669 | Rp 3.613.919 | Rp 465.313.067 | floating |
| 90 | Rp 7.133.588 | Rp 3.546.800 | Rp 3.586.788 | Rp 461.766.268 | floating |
| 91 | Rp 7.133.588 | Rp 3.574.140 | Rp 3.559.448 | Rp 458.192.128 | floating |
| 92 | Rp 7.133.588 | Rp 3.601.690 | Rp 3.531.898 | Rp 454.590.437 | floating |
| 93 | Rp 7.133.588 | Rp 3.629.453 | Rp 3.504.135 | Rp 450.960.984 | floating |
| 94 | Rp 7.133.588 | Rp 3.657.430 | Rp 3.476.158 | Rp 447.303.554 | floating |
| 95 | Rp 7.133.588 | Rp 3.685.623 | Rp 3.447.965 | Rp 443.617.931 | floating |
| 96 | Rp 7.133.588 | Rp 3.714.033 | Rp 3.419.555 | Rp 439.903.897 | floating |
| 97 | Rp 7.133.588 | Rp 3.742.662 | Rp 3.390.926 | Rp 436.161.235 | floating |
| 98 | Rp 7.133.588 | Rp 3.771.512 | Rp 3.362.076 | Rp 432.389.724 | floating |
| 99 | Rp 7.133.588 | Rp 3.800.584 | Rp 3.333.004 | Rp 428.589.140 | floating |
| 100 | Rp 7.133.588 | Rp 3.829.880 | Rp 3.303.708 | Rp 424.759.260 | floating |
| 101 | Rp 7.133.588 | Rp 3.859.402 | Rp 3.274.186 | Rp 420.899.858 | floating |
| 102 | Rp 7.133.588 | Rp 3.889.152 | Rp 3.244.436 | Rp 417.010.706 | floating |
| 103 | Rp 7.133.588 | Rp 3.919.130 | Rp 3.214.458 | Rp 413.091.575 | floating |
| 104 | Rp 7.133.588 | Rp 3.949.340 | Rp 3.184.248 | Rp 409.142.235 | floating |
| 105 | Rp 7.133.588 | Rp 3.979.783 | Rp 3.153.805 | Rp 405.162.452 | floating |
| 106 | Rp 7.133.588 | Rp 4.010.461 | Rp 3.123.127 | Rp 401.151.991 | floating |
| 107 | Rp 7.133.588 | Rp 4.041.375 | Rp 3.092.213 | Rp 397.110.616 | floating |
| 108 | Rp 7.133.588 | Rp 4.072.527 | Rp 3.061.061 | Rp 393.038.089 | floating |
| 109 | Rp 7.133.588 | Rp 4.103.919 | Rp 3.029.669 | Rp 388.934.170 | floating |
| 110 | Rp 7.133.588 | Rp 4.135.554 | Rp 2.998.034 | Rp 384.798.616 | floating |
| 111 | Rp 7.133.588 | Rp 4.167.432 | Rp 2.966.156 | Rp 380.631.184 | floating |
| 112 | Rp 7.133.588 | Rp 4.199.556 | Rp 2.934.032 | Rp 376.431.628 | floating |
| 113 | Rp 7.133.588 | Rp 4.231.928 | Rp 2.901.660 | Rp 372.199.701 | floating |
| 114 | Rp 7.133.588 | Rp 4.264.549 | Rp 2.869.039 | Rp 367.935.152 | floating |
| 115 | Rp 7.133.588 | Rp 4.297.421 | Rp 2.836.167 | Rp 363.637.731 | floating |
| 116 | Rp 7.133.588 | Rp 4.330.547 | Rp 2.803.041 | Rp 359.307.184 | floating |
| 117 | Rp 7.133.588 | Rp 4.363.928 | Rp 2.769.660 | Rp 354.943.255 | floating |
| 118 | Rp 7.133.588 | Rp 4.397.567 | Rp 2.736.021 | Rp 350.545.688 | floating |
| 119 | Rp 7.133.588 | Rp 4.431.465 | Rp 2.702.123 | Rp 346.114.223 | floating |
| 120 | Rp 7.133.588 | Rp 4.465.624 | Rp 2.667.964 | Rp 341.648.599 | floating |
| 121 | Rp 7.133.588 | Rp 4.500.047 | Rp 2.633.541 | Rp 337.148.552 | floating |
| 122 | Rp 7.133.588 | Rp 4.534.735 | Rp 2.598.853 | Rp 332.613.818 | floating |
| 123 | Rp 7.133.588 | Rp 4.569.690 | Rp 2.563.898 | Rp 328.044.128 | floating |
| 124 | Rp 7.133.588 | Rp 4.604.915 | Rp 2.528.673 | Rp 323.439.213 | floating |
| 125 | Rp 7.133.588 | Rp 4.640.411 | Rp 2.493.177 | Rp 318.798.803 | floating |
| 126 | Rp 7.133.588 | Rp 4.676.181 | Rp 2.457.407 | Rp 314.122.622 | floating |
| 127 | Rp 7.133.588 | Rp 4.712.226 | Rp 2.421.362 | Rp 309.410.396 | floating |
| 128 | Rp 7.133.588 | Rp 4.748.550 | Rp 2.385.038 | Rp 304.661.846 | floating |
| 129 | Rp 7.133.588 | Rp 4.785.153 | Rp 2.348.435 | Rp 299.876.693 | floating |
| 130 | Rp 7.133.588 | Rp 4.822.038 | Rp 2.311.550 | Rp 295.054.655 | floating |
| 131 | Rp 7.133.588 | Rp 4.859.208 | Rp 2.274.380 | Rp 290.195.447 | floating |
| 132 | Rp 7.133.588 | Rp 4.896.665 | Rp 2.236.923 | Rp 285.298.782 | floating |
| 133 | Rp 7.133.588 | Rp 4.934.410 | Rp 2.199.178 | Rp 280.364.372 | floating |
| 134 | Rp 7.133.588 | Rp 4.972.446 | Rp 2.161.142 | Rp 275.391.926 | floating |
| 135 | Rp 7.133.588 | Rp 5.010.775 | Rp 2.122.813 | Rp 270.381.151 | floating |
| 136 | Rp 7.133.588 | Rp 5.049.400 | Rp 2.084.188 | Rp 265.331.751 | floating |
| 137 | Rp 7.133.588 | Rp 5.088.322 | Rp 2.045.266 | Rp 260.243.428 | floating |
| 138 | Rp 7.133.588 | Rp 5.127.545 | Rp 2.006.043 | Rp 255.115.883 | floating |
| 139 | Rp 7.133.588 | Rp 5.167.070 | Rp 1.966.518 | Rp 249.948.814 | floating |
| 140 | Rp 7.133.588 | Rp 5.206.899 | Rp 1.926.689 | Rp 244.741.914 | floating |
| 141 | Rp 7.133.588 | Rp 5.247.036 | Rp 1.886.552 | Rp 239.494.879 | floating |
| 142 | Rp 7.133.588 | Rp 5.287.482 | Rp 1.846.106 | Rp 234.207.397 | floating |
| 143 | Rp 7.133.588 | Rp 5.328.239 | Rp 1.805.349 | Rp 228.879.158 | floating |
| 144 | Rp 7.133.588 | Rp 5.369.311 | Rp 1.764.277 | Rp 223.509.847 | floating |
| 145 | Rp 7.133.588 | Rp 5.410.700 | Rp 1.722.888 | Rp 218.099.147 | floating |
| 146 | Rp 7.133.588 | Rp 5.452.407 | Rp 1.681.181 | Rp 212.646.740 | floating |
| 147 | Rp 7.133.588 | Rp 5.494.436 | Rp 1.639.152 | Rp 207.152.304 | floating |
| 148 | Rp 7.133.588 | Rp 5.536.789 | Rp 1.596.799 | Rp 201.615.515 | floating |
| 149 | Rp 7.133.588 | Rp 5.579.468 | Rp 1.554.120 | Rp 196.036.047 | floating |
| 150 | Rp 7.133.588 | Rp 5.622.477 | Rp 1.511.111 | Rp 190.413.570 | floating |
| 151 | Rp 7.133.588 | Rp 5.665.817 | Rp 1.467.771 | Rp 184.747.753 | floating |
| 152 | Rp 7.133.588 | Rp 5.709.491 | Rp 1.424.097 | Rp 179.038.262 | floating |
| 153 | Rp 7.133.588 | Rp 5.753.501 | Rp 1.380.087 | Rp 173.284.761 | floating |
| 154 | Rp 7.133.588 | Rp 5.797.851 | Rp 1.335.737 | Rp 167.486.910 | floating |
| 155 | Rp 7.133.588 | Rp 5.842.543 | Rp 1.291.045 | Rp 161.644.366 | floating |
| 156 | Rp 7.133.588 | Rp 5.887.579 | Rp 1.246.009 | Rp 155.756.787 | floating |
| 157 | Rp 7.133.588 | Rp 5.932.963 | Rp 1.200.625 | Rp 149.823.824 | floating |
| 158 | Rp 7.133.588 | Rp 5.978.696 | Rp 1.154.892 | Rp 143.845.128 | floating |
| 159 | Rp 7.133.588 | Rp 6.024.782 | Rp 1.108.806 | Rp 137.820.347 | floating |
| 160 | Rp 7.133.588 | Rp 6.071.223 | Rp 1.062.365 | Rp 131.749.124 | floating |
| 161 | Rp 7.133.588 | Rp 6.118.022 | Rp 1.015.566 | Rp 125.631.102 | floating |
| 162 | Rp 7.133.588 | Rp 6.165.182 | Rp 968.406 | Rp 119.465.920 | floating |
| 163 | Rp 7.133.588 | Rp 6.212.705 | Rp 920.883 | Rp 113.253.215 | floating |
| 164 | Rp 7.133.588 | Rp 6.260.594 | Rp 872.994 | Rp 106.992.621 | floating |
| 165 | Rp 7.133.588 | Rp 6.308.853 | Rp 824.735 | Rp 100.683.768 | floating |
| 166 | Rp 7.133.588 | Rp 6.357.484 | Rp 776.104 | Rp 94.326.284 | floating |
| 167 | Rp 7.133.588 | Rp 6.406.490 | Rp 727.098 | Rp 87.919.794 | floating |
| 168 | Rp 7.133.588 | Rp 6.455.873 | Rp 677.715 | Rp 81.463.921 | floating |
| 169 | Rp 7.133.588 | Rp 6.505.637 | Rp 627.951 | Rp 74.958.284 | floating |
| 170 | Rp 7.133.588 | Rp 6.555.785 | Rp 577.803 | Rp 68.402.500 | floating |
| 171 | Rp 7.133.588 | Rp 6.606.319 | Rp 527.269 | Rp 61.796.181 | floating |
| 172 | Rp 7.133.588 | Rp 6.657.242 | Rp 476.346 | Rp 55.138.939 | floating |
| 173 | Rp 7.133.588 | Rp 6.708.559 | Rp 425.029 | Rp 48.430.380 | floating |
| 174 | Rp 7.133.588 | Rp 6.760.270 | Rp 373.318 | Rp 41.670.110 | floating |
| 175 | Rp 7.133.588 | Rp 6.812.381 | Rp 321.207 | Rp 34.857.729 | floating |
| 176 | Rp 7.133.588 | Rp 6.864.893 | Rp 268.695 | Rp 27.992.836 | floating |
| 177 | Rp 7.133.588 | Rp 6.917.810 | Rp 215.778 | Rp 21.075.026 | floating |
| 178 | Rp 7.133.588 | Rp 6.971.135 | Rp 162.453 | Rp 14.103.891 | floating |
| 179 | Rp 7.133.588 | Rp 7.024.871 | Rp 108.717 | Rp 7.079.021 | floating |
| 180 | Rp 7.133.588 | Rp 7.079.021 | Rp 54.567 | 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 Panin Rp 1,5 miliar 20 tahun
| Pokok pinjaman | Rp 1.500.000.000 |
| Bunga fixed | 5,5% selama 3 tahun |
| Bunga floating estimasi | 9,25% |
| Tenor total | 20 tahun (240 bulan) |
| Cicilan tahun fixed | Rp 10.318.310/bulan |
| Cicilan estimasi tahun floating | Rp 13.303.779/bulan |
| Total bunga sepanjang tenor | Rp 1.585.430.014 |
| Total dibayar | Rp 3.085.430.014 |
Pertimbangan untuk pinjaman Rp 1,5 miliar
Pinjaman Rp 1,5 miliar dengan tenor 20 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 30.954.929/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:
- DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 1.875.000.000 bisa menghemat sekitar Rp 158.543.001 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 Panin
Panin KPR adalah produk KPR PT Bank Pan Indonesia Tbk dengan skema fixed-floating standar perbankan Indonesia. Sumber rate card: https://www.panin.co.id/personal/kredit/kpr.
Pertanyaan yang sering diajukan
Berapa cicilan KPR Panin Rp 1,5 miliar 20 tahun?
Untuk pinjaman Rp 1,5 miliar dengan tenor 20 tahun, cicilan tahun fixed (3 tahun pertama, bunga 5.5%) sekitar Rp 10.318.310. Setelah masa fixed, cicilan estimasi Rp 13.303.779 dengan bunga floating ~9.25%.
Berapa total bunga yang dibayar untuk KPR Rp 1,5 miliar 20 tahun di Panin?
Total bunga estimasi sekitar Rp 1.585.430.014 sepanjang tenor 20 tahun. Total dibayar (pokok + bunga) sekitar Rp 3.085.430.014. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR Panin?
Panin 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 Pan 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 Panin untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 1,5 miliar 20 tahun)
- Simulasi KPR BCA Rp 1,5 miliar 20 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 1,5 miliar 20 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 1,5 miliar 20 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 1,5 miliar 20 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 1,5 miliar 20 tahun (fixed 5%)
Skenario lain Panin
- KPR Panin Rp 200 juta tenor 20 tahun
- KPR Panin Rp 300 juta tenor 20 tahun
- KPR Panin Rp 500 juta tenor 20 tahun
- KPR Panin Rp 750 juta tenor 20 tahun
- KPR Panin Rp 1,5 miliar tenor 5 tahun
- KPR Panin Rp 1,5 miliar tenor 10 tahun
- KPR Panin Rp 1,5 miliar tenor 15 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi Panin. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.