Simulasi KPR — Kalkulator Cicilan
Hitung cicilan KPR dengan skema fixed-floating anuitas standar perbankan Indonesia. Lengkap dengan amortization table per bulan.
Pokok pinjaman
Rp 640.000.000
Uang muka (DP)
Rp 160.000.000 (20%)
Cicilan bulanan tahun fixed (3 tahun pertama)
Rp 5.061.079
Cicilan estimasi tahun floating (sisa 12 tahun)
Rp 6.227.401
Total bunga / margin dibayar
Rp 438.944.598
Total dibayar (pokok + bunga)
Rp 1.078.944.598
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 5.061.079 | Rp 2.394.413 | Rp 2.666.667 | Rp 637.605.587 | fixed |
| 2 | Rp 5.061.079 | Rp 2.404.389 | Rp 2.656.690 | Rp 635.201.198 | fixed |
| 3 | Rp 5.061.079 | Rp 2.414.408 | Rp 2.646.672 | Rp 632.786.791 | fixed |
| 4 | Rp 5.061.079 | Rp 2.424.468 | Rp 2.636.612 | Rp 630.362.323 | fixed |
| 5 | Rp 5.061.079 | Rp 2.434.570 | Rp 2.626.510 | Rp 627.927.754 | fixed |
| 6 | Rp 5.061.079 | Rp 2.444.714 | Rp 2.616.366 | Rp 625.483.040 | fixed |
| 7 | Rp 5.061.079 | Rp 2.454.900 | Rp 2.606.179 | Rp 623.028.140 | fixed |
| 8 | Rp 5.061.079 | Rp 2.465.129 | Rp 2.595.951 | Rp 620.563.011 | fixed |
| 9 | Rp 5.061.079 | Rp 2.475.400 | Rp 2.585.679 | Rp 618.087.611 | fixed |
| 10 | Rp 5.061.079 | Rp 2.485.714 | Rp 2.575.365 | Rp 615.601.897 | fixed |
| 11 | Rp 5.061.079 | Rp 2.496.071 | Rp 2.565.008 | Rp 613.105.826 | fixed |
| 12 | Rp 5.061.079 | Rp 2.506.472 | Rp 2.554.608 | Rp 610.599.354 | fixed |
| 13 | Rp 5.061.079 | Rp 2.516.915 | Rp 2.544.164 | Rp 608.082.439 | fixed |
| 14 | Rp 5.061.079 | Rp 2.527.402 | Rp 2.533.677 | Rp 605.555.037 | fixed |
| 15 | Rp 5.061.079 | Rp 2.537.933 | Rp 2.523.146 | Rp 603.017.104 | fixed |
| 16 | Rp 5.061.079 | Rp 2.548.508 | Rp 2.512.571 | Rp 600.468.596 | fixed |
| 17 | Rp 5.061.079 | Rp 2.559.127 | Rp 2.501.952 | Rp 597.909.469 | fixed |
| 18 | Rp 5.061.079 | Rp 2.569.790 | Rp 2.491.289 | Rp 595.339.679 | fixed |
| 19 | Rp 5.061.079 | Rp 2.580.497 | Rp 2.480.582 | Rp 592.759.182 | fixed |
| 20 | Rp 5.061.079 | Rp 2.591.249 | Rp 2.469.830 | Rp 590.167.933 | fixed |
| 21 | Rp 5.061.079 | Rp 2.602.046 | Rp 2.459.033 | Rp 587.565.886 | fixed |
| 22 | Rp 5.061.079 | Rp 2.612.888 | Rp 2.448.191 | Rp 584.952.998 | fixed |
| 23 | Rp 5.061.079 | Rp 2.623.775 | Rp 2.437.304 | Rp 582.329.223 | fixed |
| 24 | Rp 5.061.079 | Rp 2.634.707 | Rp 2.426.372 | Rp 579.694.516 | fixed |
| 25 | Rp 5.061.079 | Rp 2.645.685 | Rp 2.415.394 | Rp 577.048.831 | fixed |
| 26 | Rp 5.061.079 | Rp 2.656.709 | Rp 2.404.370 | Rp 574.392.121 | fixed |
| 27 | Rp 5.061.079 | Rp 2.667.779 | Rp 2.393.301 | Rp 571.724.343 | fixed |
| 28 | Rp 5.061.079 | Rp 2.678.894 | Rp 2.382.185 | Rp 569.045.448 | fixed |
| 29 | Rp 5.061.079 | Rp 2.690.057 | Rp 2.371.023 | Rp 566.355.392 | fixed |
| 30 | Rp 5.061.079 | Rp 2.701.265 | Rp 2.359.814 | Rp 563.654.127 | fixed |
| 31 | Rp 5.061.079 | Rp 2.712.520 | Rp 2.348.559 | Rp 560.941.606 | fixed |
| 32 | Rp 5.061.079 | Rp 2.723.823 | Rp 2.337.257 | Rp 558.217.784 | fixed |
| 33 | Rp 5.061.079 | Rp 2.735.172 | Rp 2.325.907 | Rp 555.482.612 | fixed |
| 34 | Rp 5.061.079 | Rp 2.746.568 | Rp 2.314.511 | Rp 552.736.044 | fixed |
| 35 | Rp 5.061.079 | Rp 2.758.012 | Rp 2.303.067 | Rp 549.978.031 | fixed |
| 36 | Rp 5.061.079 | Rp 2.769.504 | Rp 2.291.575 | Rp 547.208.527 | fixed |
| 37 | Rp 6.227.401 | Rp 2.123.337 | Rp 4.104.064 | Rp 545.085.190 | floating |
| 38 | Rp 6.227.401 | Rp 2.139.262 | Rp 4.088.139 | Rp 542.945.928 | floating |
| 39 | Rp 6.227.401 | Rp 2.155.307 | Rp 4.072.094 | Rp 540.790.622 | floating |
| 40 | Rp 6.227.401 | Rp 2.171.471 | Rp 4.055.930 | Rp 538.619.150 | floating |
| 41 | Rp 6.227.401 | Rp 2.187.757 | Rp 4.039.644 | Rp 536.431.393 | floating |
| 42 | Rp 6.227.401 | Rp 2.204.166 | Rp 4.023.235 | Rp 534.227.227 | floating |
| 43 | Rp 6.227.401 | Rp 2.220.697 | Rp 4.006.704 | Rp 532.006.530 | floating |
| 44 | Rp 6.227.401 | Rp 2.237.352 | Rp 3.990.049 | Rp 529.769.178 | floating |
| 45 | Rp 6.227.401 | Rp 2.254.132 | Rp 3.973.269 | Rp 527.515.046 | floating |
| 46 | Rp 6.227.401 | Rp 2.271.038 | Rp 3.956.363 | Rp 525.244.008 | floating |
| 47 | Rp 6.227.401 | Rp 2.288.071 | Rp 3.939.330 | Rp 522.955.937 | floating |
| 48 | Rp 6.227.401 | Rp 2.305.231 | Rp 3.922.170 | Rp 520.650.706 | floating |
| 49 | Rp 6.227.401 | Rp 2.322.521 | Rp 3.904.880 | Rp 518.328.185 | floating |
| 50 | Rp 6.227.401 | Rp 2.339.940 | Rp 3.887.461 | Rp 515.988.245 | floating |
| 51 | Rp 6.227.401 | Rp 2.357.489 | Rp 3.869.912 | Rp 513.630.756 | floating |
| 52 | Rp 6.227.401 | Rp 2.375.170 | Rp 3.852.231 | Rp 511.255.586 | floating |
| 53 | Rp 6.227.401 | Rp 2.392.984 | Rp 3.834.417 | Rp 508.862.602 | floating |
| 54 | Rp 6.227.401 | Rp 2.410.932 | Rp 3.816.470 | Rp 506.451.670 | floating |
| 55 | Rp 6.227.401 | Rp 2.429.013 | Rp 3.798.388 | Rp 504.022.657 | floating |
| 56 | Rp 6.227.401 | Rp 2.447.231 | Rp 3.780.170 | Rp 501.575.426 | floating |
| 57 | Rp 6.227.401 | Rp 2.465.585 | Rp 3.761.816 | Rp 499.109.840 | floating |
| 58 | Rp 6.227.401 | Rp 2.484.077 | Rp 3.743.324 | Rp 496.625.763 | floating |
| 59 | Rp 6.227.401 | Rp 2.502.708 | Rp 3.724.693 | Rp 494.123.055 | floating |
| 60 | Rp 6.227.401 | Rp 2.521.478 | Rp 3.705.923 | Rp 491.601.577 | floating |
| 61 | Rp 6.227.401 | Rp 2.540.389 | Rp 3.687.012 | Rp 489.061.188 | floating |
| 62 | Rp 6.227.401 | Rp 2.559.442 | Rp 3.667.959 | Rp 486.501.746 | floating |
| 63 | Rp 6.227.401 | Rp 2.578.638 | Rp 3.648.763 | Rp 483.923.108 | floating |
| 64 | Rp 6.227.401 | Rp 2.597.978 | Rp 3.629.423 | Rp 481.325.130 | floating |
| 65 | Rp 6.227.401 | Rp 2.617.463 | Rp 3.609.938 | Rp 478.707.668 | floating |
| 66 | Rp 6.227.401 | Rp 2.637.094 | Rp 3.590.308 | Rp 476.070.574 | floating |
| 67 | Rp 6.227.401 | Rp 2.656.872 | Rp 3.570.529 | Rp 473.413.702 | floating |
| 68 | Rp 6.227.401 | Rp 2.676.798 | Rp 3.550.603 | Rp 470.736.904 | floating |
| 69 | Rp 6.227.401 | Rp 2.696.874 | Rp 3.530.527 | Rp 468.040.030 | floating |
| 70 | Rp 6.227.401 | Rp 2.717.101 | Rp 3.510.300 | Rp 465.322.929 | floating |
| 71 | Rp 6.227.401 | Rp 2.737.479 | Rp 3.489.922 | Rp 462.585.450 | floating |
| 72 | Rp 6.227.401 | Rp 2.758.010 | Rp 3.469.391 | Rp 459.827.440 | floating |
| 73 | Rp 6.227.401 | Rp 2.778.695 | Rp 3.448.706 | Rp 457.048.745 | floating |
| 74 | Rp 6.227.401 | Rp 2.799.535 | Rp 3.427.866 | Rp 454.249.209 | floating |
| 75 | Rp 6.227.401 | Rp 2.820.532 | Rp 3.406.869 | Rp 451.428.677 | floating |
| 76 | Rp 6.227.401 | Rp 2.841.686 | Rp 3.385.715 | Rp 448.586.991 | floating |
| 77 | Rp 6.227.401 | Rp 2.862.999 | Rp 3.364.402 | Rp 445.723.993 | floating |
| 78 | Rp 6.227.401 | Rp 2.884.471 | Rp 3.342.930 | Rp 442.839.522 | floating |
| 79 | Rp 6.227.401 | Rp 2.906.105 | Rp 3.321.296 | Rp 439.933.417 | floating |
| 80 | Rp 6.227.401 | Rp 2.927.900 | Rp 3.299.501 | Rp 437.005.517 | floating |
| 81 | Rp 6.227.401 | Rp 2.949.860 | Rp 3.277.541 | Rp 434.055.657 | floating |
| 82 | Rp 6.227.401 | Rp 2.971.984 | Rp 3.255.417 | Rp 431.083.674 | floating |
| 83 | Rp 6.227.401 | Rp 2.994.273 | Rp 3.233.128 | Rp 428.089.400 | floating |
| 84 | Rp 6.227.401 | Rp 3.016.731 | Rp 3.210.671 | Rp 425.072.670 | floating |
| 85 | Rp 6.227.401 | Rp 3.039.356 | Rp 3.188.045 | Rp 422.033.314 | floating |
| 86 | Rp 6.227.401 | Rp 3.062.151 | Rp 3.165.250 | Rp 418.971.162 | floating |
| 87 | Rp 6.227.401 | Rp 3.085.117 | Rp 3.142.284 | Rp 415.886.045 | floating |
| 88 | Rp 6.227.401 | Rp 3.108.256 | Rp 3.119.145 | Rp 412.777.789 | floating |
| 89 | Rp 6.227.401 | Rp 3.131.568 | Rp 3.095.833 | Rp 409.646.222 | floating |
| 90 | Rp 6.227.401 | Rp 3.155.054 | Rp 3.072.347 | Rp 406.491.168 | floating |
| 91 | Rp 6.227.401 | Rp 3.178.717 | Rp 3.048.684 | Rp 403.312.450 | floating |
| 92 | Rp 6.227.401 | Rp 3.202.558 | Rp 3.024.843 | Rp 400.109.893 | floating |
| 93 | Rp 6.227.401 | Rp 3.226.577 | Rp 3.000.824 | Rp 396.883.316 | floating |
| 94 | Rp 6.227.401 | Rp 3.250.776 | Rp 2.976.625 | Rp 393.632.540 | floating |
| 95 | Rp 6.227.401 | Rp 3.275.157 | Rp 2.952.244 | Rp 390.357.383 | floating |
| 96 | Rp 6.227.401 | Rp 3.299.721 | Rp 2.927.680 | Rp 387.057.662 | floating |
| 97 | Rp 6.227.401 | Rp 3.324.469 | Rp 2.902.932 | Rp 383.733.193 | floating |
| 98 | Rp 6.227.401 | Rp 3.349.402 | Rp 2.877.999 | Rp 380.383.791 | floating |
| 99 | Rp 6.227.401 | Rp 3.374.523 | Rp 2.852.878 | Rp 377.009.269 | floating |
| 100 | Rp 6.227.401 | Rp 3.399.831 | Rp 2.827.570 | Rp 373.609.437 | floating |
| 101 | Rp 6.227.401 | Rp 3.425.330 | Rp 2.802.071 | Rp 370.184.107 | floating |
| 102 | Rp 6.227.401 | Rp 3.451.020 | Rp 2.776.381 | Rp 366.733.087 | floating |
| 103 | Rp 6.227.401 | Rp 3.476.903 | Rp 2.750.498 | Rp 363.256.184 | floating |
| 104 | Rp 6.227.401 | Rp 3.502.980 | Rp 2.724.421 | Rp 359.753.204 | floating |
| 105 | Rp 6.227.401 | Rp 3.529.252 | Rp 2.698.149 | Rp 356.223.952 | floating |
| 106 | Rp 6.227.401 | Rp 3.555.721 | Rp 2.671.680 | Rp 352.668.231 | floating |
| 107 | Rp 6.227.401 | Rp 3.582.389 | Rp 2.645.012 | Rp 349.085.842 | floating |
| 108 | Rp 6.227.401 | Rp 3.609.257 | Rp 2.618.144 | Rp 345.476.585 | floating |
| 109 | Rp 6.227.401 | Rp 3.636.327 | Rp 2.591.074 | Rp 341.840.258 | floating |
| 110 | Rp 6.227.401 | Rp 3.663.599 | Rp 2.563.802 | Rp 338.176.659 | floating |
| 111 | Rp 6.227.401 | Rp 3.691.076 | Rp 2.536.325 | Rp 334.485.583 | floating |
| 112 | Rp 6.227.401 | Rp 3.718.759 | Rp 2.508.642 | Rp 330.766.824 | floating |
| 113 | Rp 6.227.401 | Rp 3.746.650 | Rp 2.480.751 | Rp 327.020.174 | floating |
| 114 | Rp 6.227.401 | Rp 3.774.750 | Rp 2.452.651 | Rp 323.245.424 | floating |
| 115 | Rp 6.227.401 | Rp 3.803.060 | Rp 2.424.341 | Rp 319.442.364 | floating |
| 116 | Rp 6.227.401 | Rp 3.831.583 | Rp 2.395.818 | Rp 315.610.780 | floating |
| 117 | Rp 6.227.401 | Rp 3.860.320 | Rp 2.367.081 | Rp 311.750.460 | floating |
| 118 | Rp 6.227.401 | Rp 3.889.273 | Rp 2.338.128 | Rp 307.861.188 | floating |
| 119 | Rp 6.227.401 | Rp 3.918.442 | Rp 2.308.959 | Rp 303.942.746 | floating |
| 120 | Rp 6.227.401 | Rp 3.947.830 | Rp 2.279.571 | Rp 299.994.915 | floating |
| 121 | Rp 6.227.401 | Rp 3.977.439 | Rp 2.249.962 | Rp 296.017.476 | floating |
| 122 | Rp 6.227.401 | Rp 4.007.270 | Rp 2.220.131 | Rp 292.010.206 | floating |
| 123 | Rp 6.227.401 | Rp 4.037.324 | Rp 2.190.077 | Rp 287.972.882 | floating |
| 124 | Rp 6.227.401 | Rp 4.067.604 | Rp 2.159.797 | Rp 283.905.277 | floating |
| 125 | Rp 6.227.401 | Rp 4.098.111 | Rp 2.129.290 | Rp 279.807.166 | floating |
| 126 | Rp 6.227.401 | Rp 4.128.847 | Rp 2.098.554 | Rp 275.678.319 | floating |
| 127 | Rp 6.227.401 | Rp 4.159.814 | Rp 2.067.587 | Rp 271.518.505 | floating |
| 128 | Rp 6.227.401 | Rp 4.191.012 | Rp 2.036.389 | Rp 267.327.493 | floating |
| 129 | Rp 6.227.401 | Rp 4.222.445 | Rp 2.004.956 | Rp 263.105.048 | floating |
| 130 | Rp 6.227.401 | Rp 4.254.113 | Rp 1.973.288 | Rp 258.850.935 | floating |
| 131 | Rp 6.227.401 | Rp 4.286.019 | Rp 1.941.382 | Rp 254.564.916 | floating |
| 132 | Rp 6.227.401 | Rp 4.318.164 | Rp 1.909.237 | Rp 250.246.752 | floating |
| 133 | Rp 6.227.401 | Rp 4.350.550 | Rp 1.876.851 | Rp 245.896.201 | floating |
| 134 | Rp 6.227.401 | Rp 4.383.180 | Rp 1.844.222 | Rp 241.513.022 | floating |
| 135 | Rp 6.227.401 | Rp 4.416.053 | Rp 1.811.348 | Rp 237.096.968 | floating |
| 136 | Rp 6.227.401 | Rp 4.449.174 | Rp 1.778.227 | Rp 232.647.795 | floating |
| 137 | Rp 6.227.401 | Rp 4.482.543 | Rp 1.744.858 | Rp 228.165.252 | floating |
| 138 | Rp 6.227.401 | Rp 4.516.162 | Rp 1.711.239 | Rp 223.649.090 | floating |
| 139 | Rp 6.227.401 | Rp 4.550.033 | Rp 1.677.368 | Rp 219.099.058 | floating |
| 140 | Rp 6.227.401 | Rp 4.584.158 | Rp 1.643.243 | Rp 214.514.899 | floating |
| 141 | Rp 6.227.401 | Rp 4.618.539 | Rp 1.608.862 | Rp 209.896.360 | floating |
| 142 | Rp 6.227.401 | Rp 4.653.178 | Rp 1.574.223 | Rp 205.243.182 | floating |
| 143 | Rp 6.227.401 | Rp 4.688.077 | Rp 1.539.324 | Rp 200.555.105 | floating |
| 144 | Rp 6.227.401 | Rp 4.723.238 | Rp 1.504.163 | Rp 195.831.867 | floating |
| 145 | Rp 6.227.401 | Rp 4.758.662 | Rp 1.468.739 | Rp 191.073.205 | floating |
| 146 | Rp 6.227.401 | Rp 4.794.352 | Rp 1.433.049 | Rp 186.278.853 | floating |
| 147 | Rp 6.227.401 | Rp 4.830.310 | Rp 1.397.091 | Rp 181.448.543 | floating |
| 148 | Rp 6.227.401 | Rp 4.866.537 | Rp 1.360.864 | Rp 176.582.006 | floating |
| 149 | Rp 6.227.401 | Rp 4.903.036 | Rp 1.324.365 | Rp 171.678.970 | floating |
| 150 | Rp 6.227.401 | Rp 4.939.809 | Rp 1.287.592 | Rp 166.739.162 | floating |
| 151 | Rp 6.227.401 | Rp 4.976.857 | Rp 1.250.544 | Rp 161.762.304 | floating |
| 152 | Rp 6.227.401 | Rp 5.014.184 | Rp 1.213.217 | Rp 156.748.121 | floating |
| 153 | Rp 6.227.401 | Rp 5.051.790 | Rp 1.175.611 | Rp 151.696.331 | floating |
| 154 | Rp 6.227.401 | Rp 5.089.679 | Rp 1.137.722 | Rp 146.606.652 | floating |
| 155 | Rp 6.227.401 | Rp 5.127.851 | Rp 1.099.550 | Rp 141.478.801 | floating |
| 156 | Rp 6.227.401 | Rp 5.166.310 | Rp 1.061.091 | Rp 136.312.491 | floating |
| 157 | Rp 6.227.401 | Rp 5.205.057 | Rp 1.022.344 | Rp 131.107.434 | floating |
| 158 | Rp 6.227.401 | Rp 5.244.095 | Rp 983.306 | Rp 125.863.338 | floating |
| 159 | Rp 6.227.401 | Rp 5.283.426 | Rp 943.975 | Rp 120.579.912 | floating |
| 160 | Rp 6.227.401 | Rp 5.323.052 | Rp 904.349 | Rp 115.256.861 | floating |
| 161 | Rp 6.227.401 | Rp 5.362.975 | Rp 864.426 | Rp 109.893.886 | floating |
| 162 | Rp 6.227.401 | Rp 5.403.197 | Rp 824.204 | Rp 104.490.689 | floating |
| 163 | Rp 6.227.401 | Rp 5.443.721 | Rp 783.680 | Rp 99.046.968 | floating |
| 164 | Rp 6.227.401 | Rp 5.484.549 | Rp 742.852 | Rp 93.562.420 | floating |
| 165 | Rp 6.227.401 | Rp 5.525.683 | Rp 701.718 | Rp 88.036.737 | floating |
| 166 | Rp 6.227.401 | Rp 5.567.125 | Rp 660.276 | Rp 82.469.611 | floating |
| 167 | Rp 6.227.401 | Rp 5.608.879 | Rp 618.522 | Rp 76.860.732 | floating |
| 168 | Rp 6.227.401 | Rp 5.650.946 | Rp 576.455 | Rp 71.209.787 | floating |
| 169 | Rp 6.227.401 | Rp 5.693.328 | Rp 534.073 | Rp 65.516.459 | floating |
| 170 | Rp 6.227.401 | Rp 5.736.028 | Rp 491.373 | Rp 59.780.432 | floating |
| 171 | Rp 6.227.401 | Rp 5.779.048 | Rp 448.353 | Rp 54.001.384 | floating |
| 172 | Rp 6.227.401 | Rp 5.822.391 | Rp 405.010 | Rp 48.178.993 | floating |
| 173 | Rp 6.227.401 | Rp 5.866.059 | Rp 361.342 | Rp 42.312.935 | floating |
| 174 | Rp 6.227.401 | Rp 5.910.054 | Rp 317.347 | Rp 36.402.881 | floating |
| 175 | Rp 6.227.401 | Rp 5.954.379 | Rp 273.022 | Rp 30.448.501 | floating |
| 176 | Rp 6.227.401 | Rp 5.999.037 | Rp 228.364 | Rp 24.449.464 | floating |
| 177 | Rp 6.227.401 | Rp 6.044.030 | Rp 183.371 | Rp 18.405.434 | floating |
| 178 | Rp 6.227.401 | Rp 6.089.360 | Rp 138.041 | Rp 12.316.074 | floating |
| 179 | Rp 6.227.401 | Rp 6.135.030 | Rp 92.371 | Rp 6.181.043 | floating |
| 180 | Rp 6.227.401 | Rp 6.181.043 | Rp 46.358 | 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.
Cara kerja simulasi
Kalkulator ini menggunakan rumus anuitas standar perbankan Indonesia, mengacu pada OJK Buku Saku KPR dan kewajiban transparansi dari POJK No. 17/POJK.03/2014.
M = P × r × (1+r)^n / ((1+r)^n - 1) M = cicilan bulanan P = pokok pinjaman r = bunga tahunan / 12 n = tenor dalam bulan
Untuk skema fixed-floating: cicilan tahun fixed dihitung dengan bunga fixed sepanjang tenor penuh, lalu setelah masa fixed habis, sisa pokok di-recompute dengan bunga floating × sisa tenor. Hasilnya: cicilan tahun fixed lebih ringan (promo), cicilan tahun floating biasanya naik signifikan.
Tips memilih KPR
- Bandingkan effective rate, bukan cuma bunga promo. Bunga 4,49% selama 3 tahun, lalu 9% selama 17 tahun, total bunga lebih tinggi daripada flat 7% selama 20 tahun (lakukan simulasi keduanya).
- Cek penalti pelunasan dipercepat. Bila Anda berencana pelunasan, pilih bank dengan penalti rendah atau gratis setelah masa fixed.
- Pertimbangkan KPR Subsidi FLPP bila penghasilan Anda masuk kriteria. Bunga 5% tetap selama 20 tahun (Permen PUPR 1/2024).
- Hitung total biaya termasuk provisi (1% pokok), admin, appraisal, notaris (~1%), BPHTB (5% × NJOP), AJB, dan asuransi.
Pertanyaan yang sering diajukan
Apa itu KPR fixed-floating?
KPR fixed-floating adalah skema standar di Indonesia: bunga tetap (fixed) selama beberapa tahun pertama (umumnya 1–5 tahun, sebagai promo), kemudian beralih ke bunga floating (mengambang, biasanya BI 7DRR + margin bank). Kalkulator ini menghitung cicilan untuk kedua periode.
Bagaimana rumus cicilan KPR?
Cicilan KPR di Indonesia dihitung dengan rumus anuitas: M = P × r × (1+r)^n / ((1+r)^n - 1), di mana M = cicilan bulanan, P = pokok pinjaman, r = bunga per bulan (bunga tahunan / 12), n = tenor dalam bulan. Rumus ini standar perbankan, dijabarkan di OJK Buku Saku KPR.
Apakah simulasi ini akurat?
Formula anuitas-nya akurat (matematika baku). Cicilan aktual yang Anda terima dari bank bisa berbeda karena: (a) bunga floating berubah sesuai BI 7DRR, (b) sebagian bank memasukkan asuransi jiwa & kebakaran ke cicilan, (c) ada biaya provisi, admin, appraisal yang dibayar di awal. Selalu konfirmasi ke bank untuk angka final.
Apa beda DP 10% vs 20%?
DP lebih besar = pokok pinjaman lebih kecil = cicilan lebih ringan & total bunga lebih hemat. Bank Indonesia mengatur DP minimum (LTV maksimum) per profil nasabah dan jenis properti. KPR rumah pertama umumnya bisa DP 10% atau bahkan 5% untuk subsidi FLPP.
Bisakah saya pelunasan dipercepat?
Bisa, dan biasanya menghemat banyak bunga. Lihat kalkulator Pelunasan Dipercepat. Hati-hati dengan penalti (umumnya 0,5–2% sisa pokok bila dilakukan dalam masa fixed). Sebagian bank gratis penalti setelah masa fixed.