Simulasi KPR Panin Rp 2 miliar Tenor 5 tahun
Hitung cicilan KPR Panin untuk pinjaman Rp 2 miliar dengan tenor 5 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 38.202.324/bulan
Lalu cicilan estimasi tahun floating: Rp 39.678.479/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 2 miliar 5 tahun
| Pokok pinjaman | Rp 2.000.000.000 |
| Bunga fixed | 5,5% selama 3 tahun |
| Bunga floating estimasi | 9,25% |
| Tenor total | 5 tahun (60 bulan) |
| Cicilan tahun fixed | Rp 38.202.324/bulan |
| Cicilan estimasi tahun floating | Rp 39.678.479/bulan |
| Total bunga sepanjang tenor | Rp 327.567.183 |
| Total dibayar | Rp 2.327.567.183 |
Pertimbangan untuk pinjaman Rp 2 miliar
Pinjaman Rp 2 miliar dengan tenor 5 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 114.606.973/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:
- DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 2.500.000.000 bisa menghemat sekitar Rp 32.756.718 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 2 miliar 5 tahun?
Untuk pinjaman Rp 2 miliar dengan tenor 5 tahun, cicilan tahun fixed (3 tahun pertama, bunga 5.5%) sekitar Rp 38.202.324. Setelah masa fixed, cicilan estimasi Rp 39.678.479 dengan bunga floating ~9.25%.
Berapa total bunga yang dibayar untuk KPR Rp 2 miliar 5 tahun di Panin?
Total bunga estimasi sekitar Rp 327.567.183 sepanjang tenor 5 tahun. Total dibayar (pokok + bunga) sekitar Rp 2.327.567.183. 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 2 miliar 5 tahun)
- Simulasi KPR BCA Rp 2 miliar 5 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 2 miliar 5 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 2 miliar 5 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 2 miliar 5 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 2 miliar 5 tahun (fixed 5%)
Skenario lain Panin
- KPR Panin Rp 200 juta tenor 5 tahun
- KPR Panin Rp 300 juta tenor 5 tahun
- KPR Panin Rp 500 juta tenor 5 tahun
- KPR Panin Rp 750 juta tenor 5 tahun
- KPR Panin Rp 2 miliar tenor 10 tahun
- KPR Panin Rp 2 miliar tenor 15 tahun
- KPR Panin Rp 2 miliar tenor 20 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.