Simulasi KPR Sinarmas Rp 500 juta Tenor 15 tahun
Hitung cicilan KPR Sinarmas untuk pinjaman Rp 500 juta dengan tenor 15 tahun. Pakai parameter rate card publik PT Bank Sinarmas Tbk.
Data per 02-05-2026 · Sumber: Rate card publik Sinarmas
Cicilan tahun fixed (3 tahun pertama)
Rp 4.082.764/bulan
Lalu cicilan estimasi tahun floating: Rp 5.014.441/bulan
Sesuaikan parameter
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 breakdown KPR Sinarmas Rp 500 juta 15 tahun
| Pokok pinjaman | Rp 500.000.000 |
| Bunga fixed | 5,49% selama 3 tahun |
| Bunga floating estimasi | 9,5% |
| Tenor total | 15 tahun (180 bulan) |
| Cicilan tahun fixed | Rp 4.082.764/bulan |
| Cicilan estimasi tahun floating | Rp 5.014.441/bulan |
| Total bunga sepanjang tenor | Rp 369.059.020 |
| Total dibayar | Rp 869.059.020 |
Pertimbangan untuk pinjaman Rp 500 juta
Pinjaman Rp 500 juta dengan tenor 15 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 12.248.293/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 36.905.902 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 Sinarmas
Sinarmas KPR adalah produk KPR PT Bank Sinarmas Tbk dengan skema fixed-floating standar perbankan Indonesia. Sumber rate card: https://www.banksinarmas.com/id/personal-banking/kpr.
Pertanyaan yang sering diajukan
Berapa cicilan KPR Sinarmas Rp 500 juta 15 tahun?
Untuk pinjaman Rp 500 juta dengan tenor 15 tahun, cicilan tahun fixed (3 tahun pertama, bunga 5.49%) sekitar Rp 4.082.764. Setelah masa fixed, cicilan estimasi Rp 5.014.441 dengan bunga floating ~9.5%.
Berapa total bunga yang dibayar untuk KPR Rp 500 juta 15 tahun di Sinarmas?
Total bunga estimasi sekitar Rp 369.059.020 sepanjang tenor 15 tahun. Total dibayar (pokok + bunga) sekitar Rp 869.059.020. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR Sinarmas?
Sinarmas 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 Sinarmas 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 Sinarmas untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 500 juta 15 tahun)
- Simulasi KPR BCA Rp 500 juta 15 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 500 juta 15 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 500 juta 15 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 500 juta 15 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 500 juta 15 tahun (fixed 5%)
Skenario lain Sinarmas
- KPR Sinarmas Rp 200 juta tenor 15 tahun
- KPR Sinarmas Rp 300 juta tenor 15 tahun
- KPR Sinarmas Rp 750 juta tenor 15 tahun
- KPR Sinarmas Rp 1 miliar tenor 15 tahun
- KPR Sinarmas Rp 500 juta tenor 5 tahun
- KPR Sinarmas Rp 500 juta tenor 10 tahun
- KPR Sinarmas Rp 500 juta tenor 20 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi Sinarmas. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.