Simulasi KPR Sinarmas
PT Bank Sinarmas Tbk
Hitung cicilan Sinarmas KPR dengan parameter rate card publik per 02-05-2026. Anda bisa ubah angka sesuai negosiasi atau promo aktif.
Data per 02-05-2026 · Sumber: Rate card publik Sinarmas
Simulasi memakai parameter Sinarmas 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 5.879.181
Cicilan estimasi tahun floating (sisa 12 tahun)
Rp 7.220.795
Total bunga / margin dibayar
Rp 531.444.989
Total dibayar (pokok + bunga)
Rp 1.251.444.989
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 5.879.181 | Rp 2.585.181 | Rp 3.294.000 | Rp 717.414.819 | fixed |
| 2 | Rp 5.879.181 | Rp 2.597.008 | Rp 3.282.173 | Rp 714.817.811 | fixed |
| 3 | Rp 5.879.181 | Rp 2.608.889 | Rp 3.270.291 | Rp 712.208.922 | fixed |
| 4 | Rp 5.879.181 | Rp 2.620.825 | Rp 3.258.356 | Rp 709.588.097 | fixed |
| 5 | Rp 5.879.181 | Rp 2.632.815 | Rp 3.246.366 | Rp 706.955.281 | fixed |
| 6 | Rp 5.879.181 | Rp 2.644.860 | Rp 3.234.320 | Rp 704.310.421 | fixed |
| 7 | Rp 5.879.181 | Rp 2.656.961 | Rp 3.222.220 | Rp 701.653.460 | fixed |
| 8 | Rp 5.879.181 | Rp 2.669.116 | Rp 3.210.065 | Rp 698.984.344 | fixed |
| 9 | Rp 5.879.181 | Rp 2.681.327 | Rp 3.197.853 | Rp 696.303.016 | fixed |
| 10 | Rp 5.879.181 | Rp 2.693.595 | Rp 3.185.586 | Rp 693.609.422 | fixed |
| 11 | Rp 5.879.181 | Rp 2.705.918 | Rp 3.173.263 | Rp 690.903.504 | fixed |
| 12 | Rp 5.879.181 | Rp 2.718.297 | Rp 3.160.884 | Rp 688.185.207 | fixed |
| 13 | Rp 5.879.181 | Rp 2.730.734 | Rp 3.148.447 | Rp 685.454.473 | fixed |
| 14 | Rp 5.879.181 | Rp 2.743.227 | Rp 3.135.954 | Rp 682.711.246 | fixed |
| 15 | Rp 5.879.181 | Rp 2.755.777 | Rp 3.123.404 | Rp 679.955.470 | fixed |
| 16 | Rp 5.879.181 | Rp 2.768.385 | Rp 3.110.796 | Rp 677.187.085 | fixed |
| 17 | Rp 5.879.181 | Rp 2.781.050 | Rp 3.098.131 | Rp 674.406.035 | fixed |
| 18 | Rp 5.879.181 | Rp 2.793.773 | Rp 3.085.408 | Rp 671.612.262 | fixed |
| 19 | Rp 5.879.181 | Rp 2.806.555 | Rp 3.072.626 | Rp 668.805.707 | fixed |
| 20 | Rp 5.879.181 | Rp 2.819.395 | Rp 3.059.786 | Rp 665.986.312 | fixed |
| 21 | Rp 5.879.181 | Rp 2.832.293 | Rp 3.046.887 | Rp 663.154.019 | fixed |
| 22 | Rp 5.879.181 | Rp 2.845.251 | Rp 3.033.930 | Rp 660.308.767 | fixed |
| 23 | Rp 5.879.181 | Rp 2.858.268 | Rp 3.020.913 | Rp 657.450.499 | fixed |
| 24 | Rp 5.879.181 | Rp 2.871.345 | Rp 3.007.836 | Rp 654.579.154 | fixed |
| 25 | Rp 5.879.181 | Rp 2.884.481 | Rp 2.994.700 | Rp 651.694.673 | fixed |
| 26 | Rp 5.879.181 | Rp 2.897.678 | Rp 2.981.503 | Rp 648.796.995 | fixed |
| 27 | Rp 5.879.181 | Rp 2.910.935 | Rp 2.968.246 | Rp 645.886.061 | fixed |
| 28 | Rp 5.879.181 | Rp 2.924.252 | Rp 2.954.929 | Rp 642.961.809 | fixed |
| 29 | Rp 5.879.181 | Rp 2.937.631 | Rp 2.941.550 | Rp 640.024.178 | fixed |
| 30 | Rp 5.879.181 | Rp 2.951.070 | Rp 2.928.111 | Rp 637.073.108 | fixed |
| 31 | Rp 5.879.181 | Rp 2.964.571 | Rp 2.914.609 | Rp 634.108.536 | fixed |
| 32 | Rp 5.879.181 | Rp 2.978.134 | Rp 2.901.047 | Rp 631.130.402 | fixed |
| 33 | Rp 5.879.181 | Rp 2.991.759 | Rp 2.887.422 | Rp 628.138.643 | fixed |
| 34 | Rp 5.879.181 | Rp 3.005.447 | Rp 2.873.734 | Rp 625.133.196 | fixed |
| 35 | Rp 5.879.181 | Rp 3.019.196 | Rp 2.859.984 | Rp 622.114.000 | fixed |
| 36 | Rp 5.879.181 | Rp 3.033.009 | Rp 2.846.172 | Rp 619.080.990 | fixed |
| 37 | Rp 7.220.795 | Rp 2.319.737 | Rp 4.901.058 | Rp 616.761.253 | floating |
| 38 | Rp 7.220.795 | Rp 2.338.102 | Rp 4.882.693 | Rp 614.423.151 | floating |
| 39 | Rp 7.220.795 | Rp 2.356.612 | Rp 4.864.183 | Rp 612.066.540 | floating |
| 40 | Rp 7.220.795 | Rp 2.375.268 | Rp 4.845.527 | Rp 609.691.272 | floating |
| 41 | Rp 7.220.795 | Rp 2.394.072 | Rp 4.826.723 | Rp 607.297.199 | floating |
| 42 | Rp 7.220.795 | Rp 2.413.025 | Rp 4.807.769 | Rp 604.884.174 | floating |
| 43 | Rp 7.220.795 | Rp 2.432.129 | Rp 4.788.666 | Rp 602.452.045 | floating |
| 44 | Rp 7.220.795 | Rp 2.451.383 | Rp 4.769.412 | Rp 600.000.662 | floating |
| 45 | Rp 7.220.795 | Rp 2.470.790 | Rp 4.750.005 | Rp 597.529.872 | floating |
| 46 | Rp 7.220.795 | Rp 2.490.350 | Rp 4.730.445 | Rp 595.039.522 | floating |
| 47 | Rp 7.220.795 | Rp 2.510.065 | Rp 4.710.730 | Rp 592.529.457 | floating |
| 48 | Rp 7.220.795 | Rp 2.529.937 | Rp 4.690.858 | Rp 589.999.520 | floating |
| 49 | Rp 7.220.795 | Rp 2.549.965 | Rp 4.670.830 | Rp 587.449.554 | floating |
| 50 | Rp 7.220.795 | Rp 2.570.153 | Rp 4.650.642 | Rp 584.879.402 | floating |
| 51 | Rp 7.220.795 | Rp 2.590.500 | Rp 4.630.295 | Rp 582.288.902 | floating |
| 52 | Rp 7.220.795 | Rp 2.611.008 | Rp 4.609.787 | Rp 579.677.894 | floating |
| 53 | Rp 7.220.795 | Rp 2.631.678 | Rp 4.589.117 | Rp 577.046.216 | floating |
| 54 | Rp 7.220.795 | Rp 2.652.512 | Rp 4.568.283 | Rp 574.393.703 | floating |
| 55 | Rp 7.220.795 | Rp 2.673.512 | Rp 4.547.283 | Rp 571.720.192 | floating |
| 56 | Rp 7.220.795 | Rp 2.694.677 | Rp 4.526.118 | Rp 569.025.515 | floating |
| 57 | Rp 7.220.795 | Rp 2.716.010 | Rp 4.504.785 | Rp 566.309.506 | floating |
| 58 | Rp 7.220.795 | Rp 2.737.511 | Rp 4.483.284 | Rp 563.571.994 | floating |
| 59 | Rp 7.220.795 | Rp 2.759.183 | Rp 4.461.612 | Rp 560.812.811 | floating |
| 60 | Rp 7.220.795 | Rp 2.781.027 | Rp 4.439.768 | Rp 558.031.784 | floating |
| 61 | Rp 7.220.795 | Rp 2.803.043 | Rp 4.417.752 | Rp 555.228.740 | floating |
| 62 | Rp 7.220.795 | Rp 2.825.234 | Rp 4.395.561 | Rp 552.403.506 | floating |
| 63 | Rp 7.220.795 | Rp 2.847.601 | Rp 4.373.194 | Rp 549.555.906 | floating |
| 64 | Rp 7.220.795 | Rp 2.870.144 | Rp 4.350.651 | Rp 546.685.762 | floating |
| 65 | Rp 7.220.795 | Rp 2.892.866 | Rp 4.327.929 | Rp 543.792.896 | floating |
| 66 | Rp 7.220.795 | Rp 2.915.768 | Rp 4.305.027 | Rp 540.877.128 | floating |
| 67 | Rp 7.220.795 | Rp 2.938.851 | Rp 4.281.944 | Rp 537.938.277 | floating |
| 68 | Rp 7.220.795 | Rp 2.962.117 | Rp 4.258.678 | Rp 534.976.160 | floating |
| 69 | Rp 7.220.795 | Rp 2.985.567 | Rp 4.235.228 | Rp 531.990.593 | floating |
| 70 | Rp 7.220.795 | Rp 3.009.203 | Rp 4.211.592 | Rp 528.981.390 | floating |
| 71 | Rp 7.220.795 | Rp 3.033.026 | Rp 4.187.769 | Rp 525.948.364 | floating |
| 72 | Rp 7.220.795 | Rp 3.057.037 | Rp 4.163.758 | Rp 522.891.327 | floating |
| 73 | Rp 7.220.795 | Rp 3.081.239 | Rp 4.139.556 | Rp 519.810.089 | floating |
| 74 | Rp 7.220.795 | Rp 3.105.632 | Rp 4.115.163 | Rp 516.704.457 | floating |
| 75 | Rp 7.220.795 | Rp 3.130.218 | Rp 4.090.577 | Rp 513.574.239 | floating |
| 76 | Rp 7.220.795 | Rp 3.154.999 | Rp 4.065.796 | Rp 510.419.240 | floating |
| 77 | Rp 7.220.795 | Rp 3.179.976 | Rp 4.040.819 | Rp 507.239.264 | floating |
| 78 | Rp 7.220.795 | Rp 3.205.151 | Rp 4.015.644 | Rp 504.034.113 | floating |
| 79 | Rp 7.220.795 | Rp 3.230.525 | Rp 3.990.270 | Rp 500.803.588 | floating |
| 80 | Rp 7.220.795 | Rp 3.256.100 | Rp 3.964.695 | Rp 497.547.488 | floating |
| 81 | Rp 7.220.795 | Rp 3.281.877 | Rp 3.938.918 | Rp 494.265.611 | floating |
| 82 | Rp 7.220.795 | Rp 3.307.859 | Rp 3.912.936 | Rp 490.957.752 | floating |
| 83 | Rp 7.220.795 | Rp 3.334.046 | Rp 3.886.749 | Rp 487.623.706 | floating |
| 84 | Rp 7.220.795 | Rp 3.360.441 | Rp 3.860.354 | Rp 484.263.265 | floating |
| 85 | Rp 7.220.795 | Rp 3.387.044 | Rp 3.833.751 | Rp 480.876.221 | floating |
| 86 | Rp 7.220.795 | Rp 3.413.858 | Rp 3.806.937 | Rp 477.462.363 | floating |
| 87 | Rp 7.220.795 | Rp 3.440.885 | Rp 3.779.910 | Rp 474.021.478 | floating |
| 88 | Rp 7.220.795 | Rp 3.468.125 | Rp 3.752.670 | Rp 470.553.353 | floating |
| 89 | Rp 7.220.795 | Rp 3.495.581 | Rp 3.725.214 | Rp 467.057.772 | floating |
| 90 | Rp 7.220.795 | Rp 3.523.254 | Rp 3.697.541 | Rp 463.534.518 | floating |
| 91 | Rp 7.220.795 | Rp 3.551.147 | Rp 3.669.648 | Rp 459.983.371 | floating |
| 92 | Rp 7.220.795 | Rp 3.579.260 | Rp 3.641.535 | Rp 456.404.111 | floating |
| 93 | Rp 7.220.795 | Rp 3.607.596 | Rp 3.613.199 | Rp 452.796.515 | floating |
| 94 | Rp 7.220.795 | Rp 3.636.156 | Rp 3.584.639 | Rp 449.160.360 | floating |
| 95 | Rp 7.220.795 | Rp 3.664.942 | Rp 3.555.853 | Rp 445.495.417 | floating |
| 96 | Rp 7.220.795 | Rp 3.693.956 | Rp 3.526.839 | Rp 441.801.461 | floating |
| 97 | Rp 7.220.795 | Rp 3.723.200 | Rp 3.497.595 | Rp 438.078.261 | floating |
| 98 | Rp 7.220.795 | Rp 3.752.675 | Rp 3.468.120 | Rp 434.325.586 | floating |
| 99 | Rp 7.220.795 | Rp 3.782.384 | Rp 3.438.411 | Rp 430.543.201 | floating |
| 100 | Rp 7.220.795 | Rp 3.812.328 | Rp 3.408.467 | Rp 426.730.874 | floating |
| 101 | Rp 7.220.795 | Rp 3.842.509 | Rp 3.378.286 | Rp 422.888.365 | floating |
| 102 | Rp 7.220.795 | Rp 3.872.929 | Rp 3.347.866 | Rp 419.015.436 | floating |
| 103 | Rp 7.220.795 | Rp 3.903.589 | Rp 3.317.206 | Rp 415.111.846 | floating |
| 104 | Rp 7.220.795 | Rp 3.934.493 | Rp 3.286.302 | Rp 411.177.354 | floating |
| 105 | Rp 7.220.795 | Rp 3.965.641 | Rp 3.255.154 | Rp 407.211.713 | floating |
| 106 | Rp 7.220.795 | Rp 3.997.036 | Rp 3.223.759 | Rp 403.214.677 | floating |
| 107 | Rp 7.220.795 | Rp 4.028.679 | Rp 3.192.116 | Rp 399.185.998 | floating |
| 108 | Rp 7.220.795 | Rp 4.060.573 | Rp 3.160.222 | Rp 395.125.426 | floating |
| 109 | Rp 7.220.795 | Rp 4.092.719 | Rp 3.128.076 | Rp 391.032.707 | floating |
| 110 | Rp 7.220.795 | Rp 4.125.119 | Rp 3.095.676 | Rp 386.907.588 | floating |
| 111 | Rp 7.220.795 | Rp 4.157.777 | Rp 3.063.018 | Rp 382.749.811 | floating |
| 112 | Rp 7.220.795 | Rp 4.190.692 | Rp 3.030.103 | Rp 378.559.119 | floating |
| 113 | Rp 7.220.795 | Rp 4.223.869 | Rp 2.996.926 | Rp 374.335.250 | floating |
| 114 | Rp 7.220.795 | Rp 4.257.308 | Rp 2.963.487 | Rp 370.077.942 | floating |
| 115 | Rp 7.220.795 | Rp 4.291.011 | Rp 2.929.784 | Rp 365.786.931 | floating |
| 116 | Rp 7.220.795 | Rp 4.324.982 | Rp 2.895.813 | Rp 361.461.949 | floating |
| 117 | Rp 7.220.795 | Rp 4.359.221 | Rp 2.861.574 | Rp 357.102.728 | floating |
| 118 | Rp 7.220.795 | Rp 4.393.732 | Rp 2.827.063 | Rp 352.708.996 | floating |
| 119 | Rp 7.220.795 | Rp 4.428.515 | Rp 2.792.280 | Rp 348.280.481 | floating |
| 120 | Rp 7.220.795 | Rp 4.463.575 | Rp 2.757.220 | Rp 343.816.907 | floating |
| 121 | Rp 7.220.795 | Rp 4.498.911 | Rp 2.721.884 | Rp 339.317.995 | floating |
| 122 | Rp 7.220.795 | Rp 4.534.528 | Rp 2.686.267 | Rp 334.783.468 | floating |
| 123 | Rp 7.220.795 | Rp 4.570.426 | Rp 2.650.369 | Rp 330.213.042 | floating |
| 124 | Rp 7.220.795 | Rp 4.606.608 | Rp 2.614.187 | Rp 325.606.434 | floating |
| 125 | Rp 7.220.795 | Rp 4.643.077 | Rp 2.577.718 | Rp 320.963.356 | floating |
| 126 | Rp 7.220.795 | Rp 4.679.835 | Rp 2.540.960 | Rp 316.283.521 | floating |
| 127 | Rp 7.220.795 | Rp 4.716.884 | Rp 2.503.911 | Rp 311.566.637 | floating |
| 128 | Rp 7.220.795 | Rp 4.754.226 | Rp 2.466.569 | Rp 306.812.412 | floating |
| 129 | Rp 7.220.795 | Rp 4.791.863 | Rp 2.428.932 | Rp 302.020.548 | floating |
| 130 | Rp 7.220.795 | Rp 4.829.799 | Rp 2.390.996 | Rp 297.190.749 | floating |
| 131 | Rp 7.220.795 | Rp 4.868.035 | Rp 2.352.760 | Rp 292.322.714 | floating |
| 132 | Rp 7.220.795 | Rp 4.906.573 | Rp 2.314.221 | Rp 287.416.141 | floating |
| 133 | Rp 7.220.795 | Rp 4.945.417 | Rp 2.275.378 | Rp 282.470.724 | floating |
| 134 | Rp 7.220.795 | Rp 4.984.568 | Rp 2.236.227 | Rp 277.486.155 | floating |
| 135 | Rp 7.220.795 | Rp 5.024.030 | Rp 2.196.765 | Rp 272.462.126 | floating |
| 136 | Rp 7.220.795 | Rp 5.063.803 | Rp 2.156.992 | Rp 267.398.322 | floating |
| 137 | Rp 7.220.795 | Rp 5.103.892 | Rp 2.116.903 | Rp 262.294.431 | floating |
| 138 | Rp 7.220.795 | Rp 5.144.297 | Rp 2.076.498 | Rp 257.150.133 | floating |
| 139 | Rp 7.220.795 | Rp 5.185.023 | Rp 2.035.772 | Rp 251.965.110 | floating |
| 140 | Rp 7.220.795 | Rp 5.226.071 | Rp 1.994.724 | Rp 246.739.039 | floating |
| 141 | Rp 7.220.795 | Rp 5.267.444 | Rp 1.953.351 | Rp 241.471.595 | floating |
| 142 | Rp 7.220.795 | Rp 5.309.145 | Rp 1.911.650 | Rp 236.162.450 | floating |
| 143 | Rp 7.220.795 | Rp 5.351.176 | Rp 1.869.619 | Rp 230.811.274 | floating |
| 144 | Rp 7.220.795 | Rp 5.393.539 | Rp 1.827.256 | Rp 225.417.735 | floating |
| 145 | Rp 7.220.795 | Rp 5.436.238 | Rp 1.784.557 | Rp 219.981.497 | floating |
| 146 | Rp 7.220.795 | Rp 5.479.275 | Rp 1.741.520 | Rp 214.502.223 | floating |
| 147 | Rp 7.220.795 | Rp 5.522.652 | Rp 1.698.143 | Rp 208.979.570 | floating |
| 148 | Rp 7.220.795 | Rp 5.566.373 | Rp 1.654.422 | Rp 203.413.197 | floating |
| 149 | Rp 7.220.795 | Rp 5.610.441 | Rp 1.610.354 | Rp 197.802.756 | floating |
| 150 | Rp 7.220.795 | Rp 5.654.856 | Rp 1.565.938 | Rp 192.147.900 | floating |
| 151 | Rp 7.220.795 | Rp 5.699.624 | Rp 1.521.171 | Rp 186.448.276 | floating |
| 152 | Rp 7.220.795 | Rp 5.744.746 | Rp 1.476.049 | Rp 180.703.530 | floating |
| 153 | Rp 7.220.795 | Rp 5.790.225 | Rp 1.430.570 | Rp 174.913.304 | floating |
| 154 | Rp 7.220.795 | Rp 5.836.065 | Rp 1.384.730 | Rp 169.077.240 | floating |
| 155 | Rp 7.220.795 | Rp 5.882.267 | Rp 1.338.528 | Rp 163.194.973 | floating |
| 156 | Rp 7.220.795 | Rp 5.928.835 | Rp 1.291.960 | Rp 157.266.138 | floating |
| 157 | Rp 7.220.795 | Rp 5.975.771 | Rp 1.245.024 | Rp 151.290.367 | floating |
| 158 | Rp 7.220.795 | Rp 6.023.080 | Rp 1.197.715 | Rp 145.267.287 | floating |
| 159 | Rp 7.220.795 | Rp 6.070.762 | Rp 1.150.033 | Rp 139.196.525 | floating |
| 160 | Rp 7.220.795 | Rp 6.118.823 | Rp 1.101.972 | Rp 133.077.702 | floating |
| 161 | Rp 7.220.795 | Rp 6.167.263 | Rp 1.053.532 | Rp 126.910.439 | floating |
| 162 | Rp 7.220.795 | Rp 6.216.087 | Rp 1.004.708 | Rp 120.694.352 | floating |
| 163 | Rp 7.220.795 | Rp 6.265.298 | Rp 955.497 | Rp 114.429.054 | floating |
| 164 | Rp 7.220.795 | Rp 6.314.898 | Rp 905.897 | Rp 108.114.155 | floating |
| 165 | Rp 7.220.795 | Rp 6.364.891 | Rp 855.904 | Rp 101.749.264 | floating |
| 166 | Rp 7.220.795 | Rp 6.415.280 | Rp 805.515 | Rp 95.333.984 | floating |
| 167 | Rp 7.220.795 | Rp 6.466.068 | Rp 754.727 | Rp 88.867.916 | floating |
| 168 | Rp 7.220.795 | Rp 6.517.257 | Rp 703.538 | Rp 82.350.659 | floating |
| 169 | Rp 7.220.795 | Rp 6.568.852 | Rp 651.943 | Rp 75.781.807 | floating |
| 170 | Rp 7.220.795 | Rp 6.620.856 | Rp 599.939 | Rp 69.160.951 | floating |
| 171 | Rp 7.220.795 | Rp 6.673.271 | Rp 547.524 | Rp 62.487.680 | floating |
| 172 | Rp 7.220.795 | Rp 6.726.101 | Rp 494.694 | Rp 55.761.580 | floating |
| 173 | Rp 7.220.795 | Rp 6.779.349 | Rp 441.446 | Rp 48.982.230 | floating |
| 174 | Rp 7.220.795 | Rp 6.833.019 | Rp 387.776 | Rp 42.149.211 | floating |
| 175 | Rp 7.220.795 | Rp 6.887.114 | Rp 333.681 | Rp 35.262.098 | floating |
| 176 | Rp 7.220.795 | Rp 6.941.637 | Rp 279.158 | Rp 28.320.461 | floating |
| 177 | Rp 7.220.795 | Rp 6.996.591 | Rp 224.204 | Rp 21.323.870 | floating |
| 178 | Rp 7.220.795 | Rp 7.051.981 | Rp 168.814 | Rp 14.271.889 | floating |
| 179 | Rp 7.220.795 | Rp 7.107.809 | Rp 112.986 | Rp 7.164.079 | floating |
| 180 | Rp 7.220.795 | Rp 7.164.079 | Rp 56.716 | 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 produk Sinarmas KPR
| Jenis | konvensional (fixed floating) |
| Bunga / margin fixed | 5,49% selama 3 tahun |
| Estimasi bunga floating | 9,5% |
| Tenor maksimum | 20 tahun |
| Uang muka minimum | 10% |
| Biaya provisi | 1% dari pokok |
| Biaya admin | Rp 500.000 |
Sumber data
Parameter di atas disarikan dari rate card publik https://www.banksinarmas.com/id/personal-banking/kpr per 02-05-2026. Bank dapat mengubah ketentuan tanpa pemberitahuan; kami tidak berafiliasi dengan Sinarmas. Untuk penawaran resmi, hubungi Sinarmas langsung.
Pertanyaan yang sering diajukan
Berapa bunga KPR Sinarmas saat ini?
Berdasarkan rate card publik PT Bank Sinarmas Tbk per 02-05-2026, Sinarmas KPR menawarkan bunga fixed 5.49% selama 3 tahun. Setelah masa fixed, bunga beralih ke floating dengan estimasi ~9.5%. Konfirmasi ke Sinarmas untuk angka final yang berlaku saat pengajuan.
Berapa minimum DP KPR Sinarmas?
Uang muka minimum 10% sesuai rate card publik. Bank Indonesia mengatur LTV maksimum per profil nasabah; DP aktual yang disetujui dapat berbeda berdasarkan profil risiko Anda.
Berapa tenor maksimum KPR Sinarmas?
20 tahun (240 bulan). Tenor lebih panjang = cicilan lebih ringan, tapi total bunga lebih tinggi.
Apakah simulasi ini adalah penawaran resmi Sinarmas?
Bukan. Ini estimasi berdasarkan rate card publik yang dikumpulkan per 02-05-2026. HitungUang tidak berafiliasi dengan Sinarmas. Untuk penawaran resmi, hubungi Sinarmas langsung atau kunjungi website resminya.
Bandingkan dengan bank lain
- Simulasi KPR BCA (fixed 4.69%)
- Simulasi KPR Mandiri (fixed 4.99%)
- Simulasi KPR BNI (fixed 5.25%)
- Simulasi KPR BRI (fixed 5.5%)
- Simulasi KPR BTN (fixed 5%)