Cara Menghitung cicilan KPR BRI (simulasi)

Setelah kemarin kita membahas mengenai persyaratan mengajukan KPR BRI dalam usaha anda untuk memiliki rumah sendiri dengan bantuan BRI, maka kita akan mencoba menyampaikan contoh penghitungan angsuran atau cicilan KPR BRI supaya anda yang mebaca di blog jatger.net ini dapat mengkira-kira berapa sih angsuran cicilan KPR BRI untuk jangka sekian tahun dengan nominal DP sekian juta rupiah. Berikut ini adalah simulasi cicilan KPR BRI

Contoh perhitungan KPR - berdasar harga rumah
Harga Rumah	:	rupiah Rp
Tenor (jangka waktu)	:	tahun = bulan
Bunga Pinjaman	:	% / tahun = % / bulan
Uang Muka (DP)	:	% (persen dari harga rumah)
Perhitungan Bunga	:	Anuitas

Data Anda
Harga Rumah	:	Rp 500.000.000,00
Uang Muka (DP)	:	Rp 100.000.000,00 (20 %)
Tenor	:	10 tahun (120 bulan)
Bunga	:	14.6 % / tahun (1.22 % / bulan)
Perhitungan Bunga	:	Anuitas

KPR Anda
Plafon Pinjaman (Harga Rumah - Uang Muka)	:	Rp 400.000.000,00
Angsuran per Periode	:	Rp 6.355.768,43
Total Periode	:	120 bulan

Ketentuan Bank*
Penghasilan Bersih Minimal (per bulan)	:	Rp 21.185.894,75
Biaya Provisi (1% plafon)	:	Rp 4.000.000,00
Biaya Administrasi (0.1% plafon)	:	Rp 400.000,00

Tabel Angsuran

Bulan	Angsuran Bunga	Angsuran Pokok	Total Angsuran	Sisa pinjaman
0	0	0	0	Rp 400.000.000,00
1	Rp 4.866.666,67	Rp 1.489.101,76	Rp 6.355.768,43	Rp 398.510.898,24
2	Rp 4.848.549,26	Rp 1.507.219,16	Rp 6.355.768,43	Rp 397.003.679,08
3	Rp 4.830.211,43	Rp 1.525.557,00	Rp 6.355.768,43	Rp 395.478.122,08
4	Rp 4.811.650,49	Rp 1.544.117,94	Rp 6.355.768,43	Rp 393.934.004,14
5	Rp 4.792.863,72	Rp 1.562.904,71	Rp 6.355.768,43	Rp 392.371.099,43
6	Rp 4.773.848,38	Rp 1.581.920,05	Rp 6.355.768,43	Rp 390.789.179,39
7	Rp 4.754.601,68	Rp 1.601.166,74	Rp 6.355.768,43	Rp 389.188.012,64
8	Rp 4.735.120,82	Rp 1.620.647,60	Rp 6.355.768,43	Rp 387.567.365,04
9	Rp 4.715.402,94	Rp 1.640.365,48	Rp 6.355.768,43	Rp 385.926.999,56
10	Rp 4.695.445,16	Rp 1.660.323,26	Rp 6.355.768,43	Rp 384.266.676,29
11	Rp 4.675.244,56	Rp 1.680.523,86	Rp 6.355.768,43	Rp 382.586.152,43
12	Rp 4.654.798,19	Rp 1.700.970,24	Rp 6.355.768,43	Rp 380.885.182,19
13	Rp 4.634.103,05	Rp 1.721.665,38	Rp 6.355.768,43	Rp 379.163.516,82
14	Rp 4.613.156,12	Rp 1.742.612,30	Rp 6.355.768,43	Rp 377.420.904,51
15	Rp 4.591.954,34	Rp 1.763.814,09	Rp 6.355.768,43	Rp 375.657.090,42
16	Rp 4.570.494,60	Rp 1.785.273,82	Rp 6.355.768,43	Rp 373.871.816,60
17	Rp 4.548.773,77	Rp 1.806.994,66	Rp 6.355.768,43	Rp 372.064.821,94
18	Rp 4.526.788,67	Rp 1.828.979,76	Rp 6.355.768,43	Rp 370.235.842,19
19	Rp 4.504.536,08	Rp 1.851.232,35	Rp 6.355.768,43	Rp 368.384.609,84
20	Rp 4.482.012,75	Rp 1.873.755,67	Rp 6.355.768,43	Rp 366.510.854,17
21	Rp 4.459.215,39	Rp 1.896.553,03	Rp 6.355.768,43	Rp 364.614.301,14
22	Rp 4.436.140,66	Rp 1.919.627,76	Rp 6.355.768,43	Rp 362.694.673,37
23	Rp 4.412.785,19	Rp 1.942.983,23	Rp 6.355.768,43	Rp 360.751.690,14
24	Rp 4.389.145,56	Rp 1.966.622,86	Rp 6.355.768,43	Rp 358.785.067,28
25	Rp 4.365.218,32	Rp 1.990.550,11	Rp 6.355.768,43	Rp 356.794.517,17
26	Rp 4.340.999,96	Rp 2.014.768,47	Rp 6.355.768,43	Rp 354.779.748,71
27	Rp 4.316.486,94	Rp 2.039.281,48	Rp 6.355.768,43	Rp 352.740.467,23
28	Rp 4.291.675,68	Rp 2.064.092,74	Rp 6.355.768,43	Rp 350.676.374,48
29	Rp 4.266.562,56	Rp 2.089.205,87	Rp 6.355.768,43	Rp 348.587.168,62
30	Rp 4.241.143,88	Rp 2.114.624,54	Rp 6.355.768,43	Rp 346.472.544,08
31	Rp 4.215.415,95	Rp 2.140.352,47	Rp 6.355.768,43	Rp 344.332.191,60
32	Rp 4.189.375,00	Rp 2.166.393,43	Rp 6.355.768,43	Rp 342.165.798,18
33	Rp 4.163.017,21	Rp 2.192.751,21	Rp 6.355.768,43	Rp 339.973.046,96
34	Rp 4.136.338,74	Rp 2.219.429,69	Rp 6.355.768,43	Rp 337.753.617,28
35	Rp 4.109.335,68	Rp 2.246.432,75	Rp 6.355.768,43	Rp 335.507.184,53
36	Rp 4.082.004,08	Rp 2.273.764,35	Rp 6.355.768,43	Rp 333.233.420,18
37	Rp 4.054.339,95	Rp 2.301.428,48	Rp 6.355.768,43	Rp 330.931.991,70
38	Rp 4.026.339,23	Rp 2.329.429,19	Rp 6.355.768,43	Rp 328.602.562,51
39	Rp 3.997.997,84	Rp 2.357.770,58	Rp 6.355.768,43	Rp 326.244.791,93
40	Rp 3.969.311,64	Rp 2.386.456,79	Rp 6.355.768,43	Rp 323.858.335,14
41	Rp 3.940.276,41	Rp 2.415.492,01	Rp 6.355.768,43	Rp 321.442.843,12
42	Rp 3.910.887,92	Rp 2.444.880,50	Rp 6.355.768,43	Rp 318.997.962,62
43	Rp 3.881.141,88	Rp 2.474.626,55	Rp 6.355.768,43	Rp 316.523.336,08
44	Rp 3.851.033,92	Rp 2.504.734,50	Rp 6.355.768,43	Rp 314.018.601,57
45	Rp 3.820.559,65	Rp 2.535.208,77	Rp 6.355.768,43	Rp 311.483.392,80
46	Rp 3.789.714,61	Rp 2.566.053,81	Rp 6.355.768,43	Rp 308.917.338,99
47	Rp 3.758.494,29	Rp 2.597.274,13	Rp 6.355.768,43	Rp 306.320.064,85
48	Rp 3.726.894,12	Rp 2.628.874,30	Rp 6.355.768,43	Rp 303.691.190,55
49	Rp 3.694.909,49	Rp 2.660.858,94	Rp 6.355.768,43	Rp 301.030.331,61
50	Rp 3.662.535,70	Rp 2.693.232,72	Rp 6.355.768,43	Rp 298.337.098,89
51	Rp 3.629.768,04	Rp 2.726.000,39	Rp 6.355.768,43	Rp 295.611.098,50
52	Rp 3.596.601,70	Rp 2.759.166,73	Rp 6.355.768,43	Rp 292.851.931,77
53	Rp 3.563.031,84	Rp 2.792.736,59	Rp 6.355.768,43	Rp 290.059.195,18
54	Rp 3.529.053,54	Rp 2.826.714,88	Rp 6.355.768,43	Rp 287.232.480,30
55	Rp 3.494.661,84	Rp 2.861.106,58	Rp 6.355.768,43	Rp 284.371.373,72
56	Rp 3.459.851,71	Rp 2.895.916,71	Rp 6.355.768,43	Rp 281.475.457,01
57	Rp 3.424.618,06	Rp 2.931.150,36	Rp 6.355.768,43	Rp 278.544.306,64
58	Rp 3.388.955,73	Rp 2.966.812,69	Rp 6.355.768,43	Rp 275.577.493,95
59	Rp 3.352.859,51	Rp 3.002.908,92	Rp 6.355.768,43	Rp 272.574.585,03
60	Rp 3.316.324,12	Rp 3.039.444,31	Rp 6.355.768,43	Rp 269.535.140,73
61	Rp 3.279.344,21	Rp 3.076.424,21	Rp 6.355.768,43	Rp 266.458.716,51
62	Rp 3.241.914,38	Rp 3.113.854,04	Rp 6.355.768,43	Rp 263.344.862,47
63	Rp 3.204.029,16	Rp 3.151.739,26	Rp 6.355.768,43	Rp 260.193.123,21
64	Rp 3.165.683,00	Rp 3.190.085,43	Rp 6.355.768,43	Rp 257.003.037,78
65	Rp 3.126.870,29	Rp 3.228.898,13	Rp 6.355.768,43	Rp 253.774.139,65
66	Rp 3.087.585,37	Rp 3.268.183,06	Rp 6.355.768,43	Rp 250.505.956,59
67	Rp 3.047.822,47	Rp 3.307.945,95	Rp 6.355.768,43	Rp 247.198.010,64
68	Rp 3.007.575,80	Rp 3.348.192,63	Rp 6.355.768,43	Rp 243.849.818,01
69	Rp 2.966.839,45	Rp 3.388.928,97	Rp 6.355.768,43	Rp 240.460.889,03
70	Rp 2.925.607,48	Rp 3.430.160,94	Rp 6.355.768,43	Rp 237.030.728,09
71	Rp 2.883.873,86	Rp 3.471.894,57	Rp 6.355.768,43	Rp 233.558.833,53
72	Rp 2.841.632,47	Rp 3.514.135,95	Rp 6.355.768,43	Rp 230.044.697,58
73	Rp 2.798.877,15	Rp 3.556.891,27	Rp 6.355.768,43	Rp 226.487.806,30
74	Rp 2.755.601,64	Rp 3.600.166,78	Rp 6.355.768,43	Rp 222.887.639,52
75	Rp 2.711.799,61	Rp 3.643.968,81	Rp 6.355.768,43	Rp 219.243.670,71
76	Rp 2.667.464,66	Rp 3.688.303,76	Rp 6.355.768,43	Rp 215.555.366,95
77	Rp 2.622.590,30	Rp 3.733.178,13	Rp 6.355.768,43	Rp 211.822.188,82
78	Rp 2.577.169,96	Rp 3.778.598,46	Rp 6.355.768,43	Rp 208.043.590,36
79	Rp 2.531.197,02	Rp 3.824.571,41	Rp 6.355.768,43	Rp 204.219.018,95
80	Rp 2.484.664,73	Rp 3.871.103,69	Rp 6.355.768,43	Rp 200.347.915,26
81	Rp 2.437.566,30	Rp 3.918.202,12	Rp 6.355.768,43	Rp 196.429.713,13
82	Rp 2.389.894,84	Rp 3.965.873,58	Rp 6.355.768,43	Rp 192.463.839,55
83	Rp 2.341.643,38	Rp 4.014.125,04	Rp 6.355.768,43	Rp 188.449.714,51
84	Rp 2.292.804,86	Rp 4.062.963,57	Rp 6.355.768,43	Rp 184.386.750,94
85	Rp 2.243.372,14	Rp 4.112.396,29	Rp 6.355.768,43	Rp 180.274.354,65
86	Rp 2.193.337,98	Rp 4.162.430,44	Rp 6.355.768,43	Rp 176.111.924,21
87	Rp 2.142.695,08	Rp 4.213.073,35	Rp 6.355.768,43	Rp 171.898.850,86
88	Rp 2.091.436,02	Rp 4.264.332,41	Rp 6.355.768,43	Rp 167.634.518,46
89	Rp 2.039.553,31	Rp 4.316.215,12	Rp 6.355.768,43	Rp 163.318.303,34
90	Rp 1.987.039,36	Rp 4.368.729,07	Rp 6.355.768,43	Rp 158.949.574,27
91	Rp 1.933.886,49	Rp 4.421.881,94	Rp 6.355.768,43	Rp 154.527.692,33
92	Rp 1.880.086,92	Rp 4.475.681,50	Rp 6.355.768,43	Rp 150.052.010,83
93	Rp 1.825.632,80	Rp 4.530.135,63	Rp 6.355.768,43	Rp 145.521.875,21
94	Rp 1.770.516,15	Rp 4.585.252,28	Rp 6.355.768,43	Rp 140.936.622,93
95	Rp 1.714.728,91	Rp 4.641.039,51	Rp 6.355.768,43	Rp 136.295.583,42
96	Rp 1.658.262,93	Rp 4.697.505,49	Rp 6.355.768,43	Rp 131.598.077,92
97	Rp 1.601.109,95	Rp 4.754.658,48	Rp 6.355.768,43	Rp 126.843.419,45
98	Rp 1.543.261,60	Rp 4.812.506,82	Rp 6.355.768,43	Rp 122.030.912,62
99	Rp 1.484.709,44	Rp 4.871.058,99	Rp 6.355.768,43	Rp 117.159.853,64
100	Rp 1.425.444,89	Rp 4.930.323,54	Rp 6.355.768,43	Rp 112.229.530,10
101	Rp 1.365.459,28	Rp 4.990.309,14	Rp 6.355.768,43	Rp 107.239.220,95
102	Rp 1.304.743,85	Rp 5.051.024,57	Rp 6.355.768,43	Rp 102.188.196,38
103	Rp 1.243.289,72	Rp 5.112.478,70	Rp 6.355.768,43	Rp 97.075.717,68
104	Rp 1.181.087,90	Rp 5.174.680,53	Rp 6.355.768,43	Rp 91.901.037,15
105	Rp 1.118.129,29	Rp 5.237.639,14	Rp 6.355.768,43	Rp 86.663.398,01
106	Rp 1.054.404,68	Rp 5.301.363,75	Rp 6.355.768,43	Rp 81.362.034,27
107	Rp 989.904,75	Rp 5.365.863,67	Rp 6.355.768,43	Rp 75.996.170,59
108	Rp 924.620,08	Rp 5.431.148,35	Rp 6.355.768,43	Rp 70.565.022,24
109	Rp 858.541,10	Rp 5.497.227,32	Rp 6.355.768,43	Rp 65.067.794,92
110	Rp 791.658,17	Rp 5.564.110,25	Rp 6.355.768,43	Rp 59.503.684,67
111	Rp 723.961,50	Rp 5.631.806,93	Rp 6.355.768,43	Rp 53.871.877,74
112	Rp 655.441,18	Rp 5.700.327,25	Rp 6.355.768,43	Rp 48.171.550,49
113	Rp 586.087,20	Rp 5.769.681,23	Rp 6.355.768,43	Rp 42.401.869,27
114	Rp 515.889,41	Rp 5.839.879,02	Rp 6.355.768,43	Rp 36.561.990,25
115	Rp 444.837,55	Rp 5.910.930,88	Rp 6.355.768,43	Rp 30.651.059,37
116	Rp 372.921,22	Rp 5.982.847,20	Rp 6.355.768,43	Rp 24.668.212,17
117	Rp 300.129,91	Rp 6.055.638,51	Rp 6.355.768,43	Rp 18.612.573,66
118	Rp 226.452,98	Rp 6.129.315,45	Rp 6.355.768,43	Rp 12.483.258,21
119	Rp 151.879,64	Rp 6.203.888,78	Rp 6.355.768,43	Rp 6.279.369,43
120	Rp 76.398,99	Rp 6.279.369,43	Rp 6.355.768,43	Rp -0,00
Total	Rp 362.692.211,01	Rp 400.000.000,00	Rp 762.692.211,01

Note:
* Syarat tiap bank bisa berbeda-beda

Perhitungan ini sifatnya simulasi belaka. Untuk lebih jelasnya silakan hubungi pemberi kredit.

Saya rasa cukup detail cara menghitung cicilan KPR BRI yang telah kami ulas diatas tadi. semoga bermanfaat bagi anda yang ingin mengajukan KPR BRI.