Simulasi KPR Standard Chartered Rp 750 juta Tenor 5 tahun
Hitung cicilan KPR Standard Chartered untuk pinjaman Rp 750 juta dengan tenor 5 tahun. Pakai parameter rate card publik Standard Chartered Bank Indonesia.
Data per 02-05-2026 · Sumber: Rate card publik Standard Chartered
Cicilan tahun fixed (3 tahun pertama)
Rp 14.153.425/bulan
Lalu cicilan estimasi tahun floating: Rp 14.738.434/bulan
Sesuaikan parameter
Simulasi memakai parameter Standard Chartered MortgageOne. Silakan ubah angka di bawah untuk skenario Anda.
Pokok pinjaman
Rp 680.000.000
Uang muka (DP)
Rp 120.000.000 (15%)
Cicilan bulanan tahun fixed (3 tahun pertama)
Rp 5.377.397
Cicilan estimasi tahun floating (sisa 12 tahun)
Rp 6.616.614
Total bunga / margin dibayar
Rp 466.378.635
Total dibayar (pokok + bunga)
Rp 1.146.378.635
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 5.377.397 | Rp 2.544.063 | Rp 2.833.333 | Rp 677.455.937 | fixed |
| 2 | Rp 5.377.397 | Rp 2.554.664 | Rp 2.822.733 | Rp 674.901.273 | fixed |
| 3 | Rp 5.377.397 | Rp 2.565.308 | Rp 2.812.089 | Rp 672.335.965 | fixed |
| 4 | Rp 5.377.397 | Rp 2.575.997 | Rp 2.801.400 | Rp 669.759.968 | fixed |
| 5 | Rp 5.377.397 | Rp 2.586.730 | Rp 2.790.667 | Rp 667.173.238 | fixed |
| 6 | Rp 5.377.397 | Rp 2.597.508 | Rp 2.779.888 | Rp 664.575.730 | fixed |
| 7 | Rp 5.377.397 | Rp 2.608.331 | Rp 2.769.066 | Rp 661.967.399 | fixed |
| 8 | Rp 5.377.397 | Rp 2.619.199 | Rp 2.758.197 | Rp 659.348.200 | fixed |
| 9 | Rp 5.377.397 | Rp 2.630.112 | Rp 2.747.284 | Rp 656.718.087 | fixed |
| 10 | Rp 5.377.397 | Rp 2.641.071 | Rp 2.736.325 | Rp 654.077.016 | fixed |
| 11 | Rp 5.377.397 | Rp 2.652.076 | Rp 2.725.321 | Rp 651.424.940 | fixed |
| 12 | Rp 5.377.397 | Rp 2.663.126 | Rp 2.714.271 | Rp 648.761.814 | fixed |
| 13 | Rp 5.377.397 | Rp 2.674.222 | Rp 2.703.174 | Rp 646.087.592 | fixed |
| 14 | Rp 5.377.397 | Rp 2.685.365 | Rp 2.692.032 | Rp 643.402.227 | fixed |
| 15 | Rp 5.377.397 | Rp 2.696.554 | Rp 2.680.843 | Rp 640.705.673 | fixed |
| 16 | Rp 5.377.397 | Rp 2.707.790 | Rp 2.669.607 | Rp 637.997.883 | fixed |
| 17 | Rp 5.377.397 | Rp 2.719.072 | Rp 2.658.325 | Rp 635.278.811 | fixed |
| 18 | Rp 5.377.397 | Rp 2.730.402 | Rp 2.646.995 | Rp 632.548.409 | fixed |
| 19 | Rp 5.377.397 | Rp 2.741.778 | Rp 2.635.618 | Rp 629.806.631 | fixed |
| 20 | Rp 5.377.397 | Rp 2.753.202 | Rp 2.624.194 | Rp 627.053.428 | fixed |
| 21 | Rp 5.377.397 | Rp 2.764.674 | Rp 2.612.723 | Rp 624.288.754 | fixed |
| 22 | Rp 5.377.397 | Rp 2.776.194 | Rp 2.601.203 | Rp 621.512.561 | fixed |
| 23 | Rp 5.377.397 | Rp 2.787.761 | Rp 2.589.636 | Rp 618.724.800 | fixed |
| 24 | Rp 5.377.397 | Rp 2.799.377 | Rp 2.578.020 | Rp 615.925.423 | fixed |
| 25 | Rp 5.377.397 | Rp 2.811.041 | Rp 2.566.356 | Rp 613.114.382 | fixed |
| 26 | Rp 5.377.397 | Rp 2.822.753 | Rp 2.554.643 | Rp 610.291.629 | fixed |
| 27 | Rp 5.377.397 | Rp 2.834.515 | Rp 2.542.882 | Rp 607.457.114 | fixed |
| 28 | Rp 5.377.397 | Rp 2.846.325 | Rp 2.531.071 | Rp 604.610.789 | fixed |
| 29 | Rp 5.377.397 | Rp 2.858.185 | Rp 2.519.212 | Rp 601.752.604 | fixed |
| 30 | Rp 5.377.397 | Rp 2.870.094 | Rp 2.507.303 | Rp 598.882.510 | fixed |
| 31 | Rp 5.377.397 | Rp 2.882.053 | Rp 2.495.344 | Rp 596.000.457 | fixed |
| 32 | Rp 5.377.397 | Rp 2.894.061 | Rp 2.483.335 | Rp 593.106.395 | fixed |
| 33 | Rp 5.377.397 | Rp 2.906.120 | Rp 2.471.277 | Rp 590.200.275 | fixed |
| 34 | Rp 5.377.397 | Rp 2.918.229 | Rp 2.459.168 | Rp 587.282.046 | fixed |
| 35 | Rp 5.377.397 | Rp 2.930.388 | Rp 2.447.009 | Rp 584.351.658 | fixed |
| 36 | Rp 5.377.397 | Rp 2.942.598 | Rp 2.434.799 | Rp 581.409.060 | fixed |
| 37 | Rp 6.616.614 | Rp 2.256.046 | Rp 4.360.568 | Rp 579.153.015 | floating |
| 38 | Rp 6.616.614 | Rp 2.272.966 | Rp 4.343.648 | Rp 576.880.049 | floating |
| 39 | Rp 6.616.614 | Rp 2.290.013 | Rp 4.326.600 | Rp 574.590.035 | floating |
| 40 | Rp 6.616.614 | Rp 2.307.188 | Rp 4.309.425 | Rp 572.282.847 | floating |
| 41 | Rp 6.616.614 | Rp 2.324.492 | Rp 4.292.121 | Rp 569.958.355 | floating |
| 42 | Rp 6.616.614 | Rp 2.341.926 | Rp 4.274.688 | Rp 567.616.429 | floating |
| 43 | Rp 6.616.614 | Rp 2.359.490 | Rp 4.257.123 | Rp 565.256.939 | floating |
| 44 | Rp 6.616.614 | Rp 2.377.187 | Rp 4.239.427 | Rp 562.879.752 | floating |
| 45 | Rp 6.616.614 | Rp 2.395.015 | Rp 4.221.598 | Rp 560.484.737 | floating |
| 46 | Rp 6.616.614 | Rp 2.412.978 | Rp 4.203.636 | Rp 558.071.759 | floating |
| 47 | Rp 6.616.614 | Rp 2.431.075 | Rp 4.185.538 | Rp 555.640.683 | floating |
| 48 | Rp 6.616.614 | Rp 2.449.308 | Rp 4.167.305 | Rp 553.191.375 | floating |
| 49 | Rp 6.616.614 | Rp 2.467.678 | Rp 4.148.935 | Rp 550.723.696 | floating |
| 50 | Rp 6.616.614 | Rp 2.486.186 | Rp 4.130.428 | Rp 548.237.511 | floating |
| 51 | Rp 6.616.614 | Rp 2.504.832 | Rp 4.111.781 | Rp 545.732.678 | floating |
| 52 | Rp 6.616.614 | Rp 2.523.618 | Rp 4.092.995 | Rp 543.209.060 | floating |
| 53 | Rp 6.616.614 | Rp 2.542.546 | Rp 4.074.068 | Rp 540.666.514 | floating |
| 54 | Rp 6.616.614 | Rp 2.561.615 | Rp 4.054.999 | Rp 538.104.900 | floating |
| 55 | Rp 6.616.614 | Rp 2.580.827 | Rp 4.035.787 | Rp 535.524.073 | floating |
| 56 | Rp 6.616.614 | Rp 2.600.183 | Rp 4.016.431 | Rp 532.923.890 | floating |
| 57 | Rp 6.616.614 | Rp 2.619.684 | Rp 3.996.929 | Rp 530.304.205 | floating |
| 58 | Rp 6.616.614 | Rp 2.639.332 | Rp 3.977.282 | Rp 527.664.873 | floating |
| 59 | Rp 6.616.614 | Rp 2.659.127 | Rp 3.957.487 | Rp 525.005.746 | floating |
| 60 | Rp 6.616.614 | Rp 2.679.070 | Rp 3.937.543 | Rp 522.326.676 | floating |
| 61 | Rp 6.616.614 | Rp 2.699.164 | Rp 3.917.450 | Rp 519.627.512 | floating |
| 62 | Rp 6.616.614 | Rp 2.719.407 | Rp 3.897.206 | Rp 516.908.105 | floating |
| 63 | Rp 6.616.614 | Rp 2.739.803 | Rp 3.876.811 | Rp 514.168.302 | floating |
| 64 | Rp 6.616.614 | Rp 2.760.351 | Rp 3.856.262 | Rp 511.407.951 | floating |
| 65 | Rp 6.616.614 | Rp 2.781.054 | Rp 3.835.560 | Rp 508.626.897 | floating |
| 66 | Rp 6.616.614 | Rp 2.801.912 | Rp 3.814.702 | Rp 505.824.985 | floating |
| 67 | Rp 6.616.614 | Rp 2.822.926 | Rp 3.793.687 | Rp 503.002.059 | floating |
| 68 | Rp 6.616.614 | Rp 2.844.098 | Rp 3.772.515 | Rp 500.157.961 | floating |
| 69 | Rp 6.616.614 | Rp 2.865.429 | Rp 3.751.185 | Rp 497.292.532 | floating |
| 70 | Rp 6.616.614 | Rp 2.886.920 | Rp 3.729.694 | Rp 494.405.612 | floating |
| 71 | Rp 6.616.614 | Rp 2.908.571 | Rp 3.708.042 | Rp 491.497.041 | floating |
| 72 | Rp 6.616.614 | Rp 2.930.386 | Rp 3.686.228 | Rp 488.566.655 | floating |
| 73 | Rp 6.616.614 | Rp 2.952.364 | Rp 3.664.250 | Rp 485.614.291 | floating |
| 74 | Rp 6.616.614 | Rp 2.974.506 | Rp 3.642.107 | Rp 482.639.785 | floating |
| 75 | Rp 6.616.614 | Rp 2.996.815 | Rp 3.619.798 | Rp 479.642.970 | floating |
| 76 | Rp 6.616.614 | Rp 3.019.291 | Rp 3.597.322 | Rp 476.623.678 | floating |
| 77 | Rp 6.616.614 | Rp 3.041.936 | Rp 3.574.678 | Rp 473.581.742 | floating |
| 78 | Rp 6.616.614 | Rp 3.064.751 | Rp 3.551.863 | Rp 470.516.992 | floating |
| 79 | Rp 6.616.614 | Rp 3.087.736 | Rp 3.528.877 | Rp 467.429.256 | floating |
| 80 | Rp 6.616.614 | Rp 3.110.894 | Rp 3.505.719 | Rp 464.318.362 | floating |
| 81 | Rp 6.616.614 | Rp 3.134.226 | Rp 3.482.388 | Rp 461.184.136 | floating |
| 82 | Rp 6.616.614 | Rp 3.157.733 | Rp 3.458.881 | Rp 458.026.403 | floating |
| 83 | Rp 6.616.614 | Rp 3.181.416 | Rp 3.435.198 | Rp 454.844.988 | floating |
| 84 | Rp 6.616.614 | Rp 3.205.276 | Rp 3.411.337 | Rp 451.639.711 | floating |
| 85 | Rp 6.616.614 | Rp 3.229.316 | Rp 3.387.298 | Rp 448.410.396 | floating |
| 86 | Rp 6.616.614 | Rp 3.253.536 | Rp 3.363.078 | Rp 445.156.860 | floating |
| 87 | Rp 6.616.614 | Rp 3.277.937 | Rp 3.338.676 | Rp 441.878.923 | floating |
| 88 | Rp 6.616.614 | Rp 3.302.522 | Rp 3.314.092 | Rp 438.576.401 | floating |
| 89 | Rp 6.616.614 | Rp 3.327.291 | Rp 3.289.323 | Rp 435.249.111 | floating |
| 90 | Rp 6.616.614 | Rp 3.352.245 | Rp 3.264.368 | Rp 431.896.866 | floating |
| 91 | Rp 6.616.614 | Rp 3.377.387 | Rp 3.239.226 | Rp 428.519.478 | floating |
| 92 | Rp 6.616.614 | Rp 3.402.717 | Rp 3.213.896 | Rp 425.116.761 | floating |
| 93 | Rp 6.616.614 | Rp 3.428.238 | Rp 3.188.376 | Rp 421.688.523 | floating |
| 94 | Rp 6.616.614 | Rp 3.453.950 | Rp 3.162.664 | Rp 418.234.573 | floating |
| 95 | Rp 6.616.614 | Rp 3.479.854 | Rp 3.136.759 | Rp 414.754.719 | floating |
| 96 | Rp 6.616.614 | Rp 3.505.953 | Rp 3.110.660 | Rp 411.248.766 | floating |
| 97 | Rp 6.616.614 | Rp 3.532.248 | Rp 3.084.366 | Rp 407.716.518 | floating |
| 98 | Rp 6.616.614 | Rp 3.558.740 | Rp 3.057.874 | Rp 404.157.778 | floating |
| 99 | Rp 6.616.614 | Rp 3.585.430 | Rp 3.031.183 | Rp 400.572.348 | floating |
| 100 | Rp 6.616.614 | Rp 3.612.321 | Rp 3.004.293 | Rp 396.960.027 | floating |
| 101 | Rp 6.616.614 | Rp 3.639.413 | Rp 2.977.200 | Rp 393.320.614 | floating |
| 102 | Rp 6.616.614 | Rp 3.666.709 | Rp 2.949.905 | Rp 389.653.905 | floating |
| 103 | Rp 6.616.614 | Rp 3.694.209 | Rp 2.922.404 | Rp 385.959.696 | floating |
| 104 | Rp 6.616.614 | Rp 3.721.916 | Rp 2.894.698 | Rp 382.237.780 | floating |
| 105 | Rp 6.616.614 | Rp 3.749.830 | Rp 2.866.783 | Rp 378.487.949 | floating |
| 106 | Rp 6.616.614 | Rp 3.777.954 | Rp 2.838.660 | Rp 374.709.995 | floating |
| 107 | Rp 6.616.614 | Rp 3.806.289 | Rp 2.810.325 | Rp 370.903.707 | floating |
| 108 | Rp 6.616.614 | Rp 3.834.836 | Rp 2.781.778 | Rp 367.068.871 | floating |
| 109 | Rp 6.616.614 | Rp 3.863.597 | Rp 2.753.017 | Rp 363.205.274 | floating |
| 110 | Rp 6.616.614 | Rp 3.892.574 | Rp 2.724.040 | Rp 359.312.700 | floating |
| 111 | Rp 6.616.614 | Rp 3.921.768 | Rp 2.694.845 | Rp 355.390.932 | floating |
| 112 | Rp 6.616.614 | Rp 3.951.182 | Rp 2.665.432 | Rp 351.439.750 | floating |
| 113 | Rp 6.616.614 | Rp 3.980.815 | Rp 2.635.798 | Rp 347.458.935 | floating |
| 114 | Rp 6.616.614 | Rp 4.010.672 | Rp 2.605.942 | Rp 343.448.263 | floating |
| 115 | Rp 6.616.614 | Rp 4.040.752 | Rp 2.575.862 | Rp 339.407.511 | floating |
| 116 | Rp 6.616.614 | Rp 4.071.057 | Rp 2.545.556 | Rp 335.336.454 | floating |
| 117 | Rp 6.616.614 | Rp 4.101.590 | Rp 2.515.023 | Rp 331.234.864 | floating |
| 118 | Rp 6.616.614 | Rp 4.132.352 | Rp 2.484.261 | Rp 327.102.512 | floating |
| 119 | Rp 6.616.614 | Rp 4.163.345 | Rp 2.453.269 | Rp 322.939.167 | floating |
| 120 | Rp 6.616.614 | Rp 4.194.570 | Rp 2.422.044 | Rp 318.744.597 | floating |
| 121 | Rp 6.616.614 | Rp 4.226.029 | Rp 2.390.584 | Rp 314.518.568 | floating |
| 122 | Rp 6.616.614 | Rp 4.257.724 | Rp 2.358.889 | Rp 310.260.844 | floating |
| 123 | Rp 6.616.614 | Rp 4.289.657 | Rp 2.326.956 | Rp 305.971.187 | floating |
| 124 | Rp 6.616.614 | Rp 4.321.830 | Rp 2.294.784 | Rp 301.649.357 | floating |
| 125 | Rp 6.616.614 | Rp 4.354.243 | Rp 2.262.370 | Rp 297.295.114 | floating |
| 126 | Rp 6.616.614 | Rp 4.386.900 | Rp 2.229.713 | Rp 292.908.213 | floating |
| 127 | Rp 6.616.614 | Rp 4.419.802 | Rp 2.196.812 | Rp 288.488.411 | floating |
| 128 | Rp 6.616.614 | Rp 4.452.950 | Rp 2.163.663 | Rp 284.035.461 | floating |
| 129 | Rp 6.616.614 | Rp 4.486.348 | Rp 2.130.266 | Rp 279.549.113 | floating |
| 130 | Rp 6.616.614 | Rp 4.519.995 | Rp 2.096.618 | Rp 275.029.118 | floating |
| 131 | Rp 6.616.614 | Rp 4.553.895 | Rp 2.062.718 | Rp 270.475.223 | floating |
| 132 | Rp 6.616.614 | Rp 4.588.049 | Rp 2.028.564 | Rp 265.887.174 | floating |
| 133 | Rp 6.616.614 | Rp 4.622.460 | Rp 1.994.154 | Rp 261.264.714 | floating |
| 134 | Rp 6.616.614 | Rp 4.657.128 | Rp 1.959.485 | Rp 256.607.586 | floating |
| 135 | Rp 6.616.614 | Rp 4.692.057 | Rp 1.924.557 | Rp 251.915.529 | floating |
| 136 | Rp 6.616.614 | Rp 4.727.247 | Rp 1.889.366 | Rp 247.188.282 | floating |
| 137 | Rp 6.616.614 | Rp 4.762.701 | Rp 1.853.912 | Rp 242.425.580 | floating |
| 138 | Rp 6.616.614 | Rp 4.798.422 | Rp 1.818.192 | Rp 237.627.159 | floating |
| 139 | Rp 6.616.614 | Rp 4.834.410 | Rp 1.782.204 | Rp 232.792.749 | floating |
| 140 | Rp 6.616.614 | Rp 4.870.668 | Rp 1.745.946 | Rp 227.922.081 | floating |
| 141 | Rp 6.616.614 | Rp 4.907.198 | Rp 1.709.416 | Rp 223.014.883 | floating |
| 142 | Rp 6.616.614 | Rp 4.944.002 | Rp 1.672.612 | Rp 218.070.881 | floating |
| 143 | Rp 6.616.614 | Rp 4.981.082 | Rp 1.635.532 | Rp 213.089.799 | floating |
| 144 | Rp 6.616.614 | Rp 5.018.440 | Rp 1.598.173 | Rp 208.071.359 | floating |
| 145 | Rp 6.616.614 | Rp 5.056.078 | Rp 1.560.535 | Rp 203.015.280 | floating |
| 146 | Rp 6.616.614 | Rp 5.093.999 | Rp 1.522.615 | Rp 197.921.281 | floating |
| 147 | Rp 6.616.614 | Rp 5.132.204 | Rp 1.484.410 | Rp 192.789.077 | floating |
| 148 | Rp 6.616.614 | Rp 5.170.695 | Rp 1.445.918 | Rp 187.618.382 | floating |
| 149 | Rp 6.616.614 | Rp 5.209.476 | Rp 1.407.138 | Rp 182.408.906 | floating |
| 150 | Rp 6.616.614 | Rp 5.248.547 | Rp 1.368.067 | Rp 177.160.359 | floating |
| 151 | Rp 6.616.614 | Rp 5.287.911 | Rp 1.328.703 | Rp 171.872.448 | floating |
| 152 | Rp 6.616.614 | Rp 5.327.570 | Rp 1.289.043 | Rp 166.544.878 | floating |
| 153 | Rp 6.616.614 | Rp 5.367.527 | Rp 1.249.087 | Rp 161.177.351 | floating |
| 154 | Rp 6.616.614 | Rp 5.407.783 | Rp 1.208.830 | Rp 155.769.568 | floating |
| 155 | Rp 6.616.614 | Rp 5.448.342 | Rp 1.168.272 | Rp 150.321.226 | floating |
| 156 | Rp 6.616.614 | Rp 5.489.204 | Rp 1.127.409 | Rp 144.832.022 | floating |
| 157 | Rp 6.616.614 | Rp 5.530.373 | Rp 1.086.240 | Rp 139.301.648 | floating |
| 158 | Rp 6.616.614 | Rp 5.571.851 | Rp 1.044.762 | Rp 133.729.797 | floating |
| 159 | Rp 6.616.614 | Rp 5.613.640 | Rp 1.002.973 | Rp 128.116.157 | floating |
| 160 | Rp 6.616.614 | Rp 5.655.742 | Rp 960.871 | Rp 122.460.414 | floating |
| 161 | Rp 6.616.614 | Rp 5.698.160 | Rp 918.453 | Rp 116.762.254 | floating |
| 162 | Rp 6.616.614 | Rp 5.740.897 | Rp 875.717 | Rp 111.021.357 | floating |
| 163 | Rp 6.616.614 | Rp 5.783.953 | Rp 832.660 | Rp 105.237.404 | floating |
| 164 | Rp 6.616.614 | Rp 5.827.333 | Rp 789.281 | Rp 99.410.071 | floating |
| 165 | Rp 6.616.614 | Rp 5.871.038 | Rp 745.576 | Rp 93.539.033 | floating |
| 166 | Rp 6.616.614 | Rp 5.915.071 | Rp 701.543 | Rp 87.623.962 | floating |
| 167 | Rp 6.616.614 | Rp 5.959.434 | Rp 657.180 | Rp 81.664.528 | floating |
| 168 | Rp 6.616.614 | Rp 6.004.130 | Rp 612.484 | Rp 75.660.398 | floating |
| 169 | Rp 6.616.614 | Rp 6.049.161 | Rp 567.453 | Rp 69.611.238 | floating |
| 170 | Rp 6.616.614 | Rp 6.094.529 | Rp 522.084 | Rp 63.516.709 | floating |
| 171 | Rp 6.616.614 | Rp 6.140.238 | Rp 476.375 | Rp 57.376.470 | floating |
| 172 | Rp 6.616.614 | Rp 6.186.290 | Rp 430.324 | Rp 51.190.180 | floating |
| 173 | Rp 6.616.614 | Rp 6.232.687 | Rp 383.926 | Rp 44.957.493 | floating |
| 174 | Rp 6.616.614 | Rp 6.279.432 | Rp 337.181 | Rp 38.678.061 | floating |
| 175 | Rp 6.616.614 | Rp 6.326.528 | Rp 290.085 | Rp 32.351.533 | floating |
| 176 | Rp 6.616.614 | Rp 6.373.977 | Rp 242.636 | Rp 25.977.555 | floating |
| 177 | Rp 6.616.614 | Rp 6.421.782 | Rp 194.832 | Rp 19.555.774 | floating |
| 178 | Rp 6.616.614 | Rp 6.469.945 | Rp 146.668 | Rp 13.085.828 | floating |
| 179 | Rp 6.616.614 | Rp 6.518.470 | Rp 98.144 | Rp 6.567.358 | floating |
| 180 | Rp 6.616.614 | Rp 6.567.358 | Rp 49.255 | 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 Standard Chartered Rp 750 juta 5 tahun
| Pokok pinjaman | Rp 750.000.000 |
| Bunga fixed | 5% selama 3 tahun |
| Bunga floating estimasi | 9% |
| Tenor total | 5 tahun (60 bulan) |
| Cicilan tahun fixed | Rp 14.153.425/bulan |
| Cicilan estimasi tahun floating | Rp 14.738.434/bulan |
| Total bunga sepanjang tenor | Rp 113.245.726 |
| Total dibayar | Rp 863.245.726 |
Pertimbangan untuk pinjaman Rp 750 juta
Pinjaman Rp 750 juta dengan tenor 5 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 42.460.276/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:
- DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 937.500.000 bisa menghemat sekitar Rp 11.324.573 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 Standard Chartered
Khusus nasabah Priority Banking. Sumber rate card: https://www.sc.com/id/loans/mortgages/.
Pertanyaan yang sering diajukan
Berapa cicilan KPR Standard Chartered Rp 750 juta 5 tahun?
Untuk pinjaman Rp 750 juta dengan tenor 5 tahun, cicilan tahun fixed (3 tahun pertama, bunga 5%) sekitar Rp 14.153.425. Setelah masa fixed, cicilan estimasi Rp 14.738.434 dengan bunga floating ~9%.
Berapa total bunga yang dibayar untuk KPR Rp 750 juta 5 tahun di Standard Chartered?
Total bunga estimasi sekitar Rp 113.245.726 sepanjang tenor 5 tahun. Total dibayar (pokok + bunga) sekitar Rp 863.245.726. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR Standard Chartered?
Standard Chartered mensyaratkan DP minimum 15% 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 Standard Chartered Bank Indonesia 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 Standard Chartered untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 750 juta 5 tahun)
- Simulasi KPR BCA Rp 750 juta 5 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 750 juta 5 tahun (fixed 4.99%)
- Simulasi KPR BNI Rp 750 juta 5 tahun (fixed 5.25%)
- Simulasi KPR BRI Rp 750 juta 5 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 750 juta 5 tahun (fixed 5%)
Skenario lain Standard Chartered
- KPR Standard Chartered Rp 200 juta tenor 5 tahun
- KPR Standard Chartered Rp 300 juta tenor 5 tahun
- KPR Standard Chartered Rp 500 juta tenor 5 tahun
- KPR Standard Chartered Rp 1 miliar tenor 5 tahun
- KPR Standard Chartered Rp 750 juta tenor 10 tahun
- KPR Standard Chartered Rp 750 juta tenor 15 tahun
- KPR Standard Chartered Rp 750 juta tenor 20 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi Standard Chartered. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.