- Hasil
- Cicilan bulanan 1.199,10 · total bunga 231.676,38 · lunas setelah 360 angsuran
- Tabel angsuran
| Tahun | Bunga | Pokok | Sisa utang |
|---|
| 1 | 11.933,19 | 2.456,02 | 197.543,98 |
| 2 | 11.781,71 | 2.607,51 | 194.936,47 |
| 3 | 11.620,88 | 2.768,33 | 192.168,14 |
| 4 | 11.450,14 | 2.939,08 | 189.229,06 |
| 5 | 11.268,86 | 3.120,35 | 186.108,71 |
| 6 | 11.076,41 | 3.312,81 | 182.795,91 |
| 7 | 10.872,08 | 3.517,13 | 179.278,77 |
| 8 | 10.655,15 | 3.734,06 | 175.544,71 |
| 9 | 10.424,84 | 3.964,37 | 171.580,34 |
| 10 | 10.180,33 | 4.208,89 | 167.371,45 |
| 11 | 9.920,73 | 4.468,48 | 162.902,97 |
| 12 | 9.645,13 | 4.744,09 | 158.158,88 |
| 13 | 9.352,52 | 5.036,69 | 153.122,19 |
| 14 | 9.041,87 | 5.347,34 | 147.774,85 |
| 15 | 8.712,06 | 5.677,16 | 142.097,69 |
| 16 | 8.361,90 | 6.027,31 | 136.070,38 |
| 17 | 7.990,15 | 6.399,06 | 129.671,31 |
| 18 | 7.595,47 | 6.793,74 | 122.877,57 |
| 19 | 7.176,45 | 7.212,77 | 115.664,81 |
| 20 | 6.731,58 | 7.657,63 | 108.007,17 |
| 21 | 6.259,27 | 8.129,94 | 99.877,23 |
| 22 | 5.757,84 | 8.631,38 | 91.245,86 |
| 23 | 5.225,47 | 9.163,74 | 82.082,12 |
| 24 | 4.660,27 | 9.728,94 | 72.353,17 |
| 25 | 4.060,21 | 10.329,00 | 62.024,17 |
| 26 | 3.423,14 | 10.966,07 | 51.058,10 |
| 27 | 2.746,78 | 11.642,43 | 39.415,67 |
| 28 | 2.028,70 | 12.360,51 | 27.055,16 |
| 29 | 1.266,33 | 13.122,88 | 13.932,27 |
| 30 | 456,94 | 13.932,27 | 0,00 |
- Langkah perhitungan
- Bunga bulanan i = 6% ÷ 12 = 0,5%. Cicilan = 200.000,00 × i ÷ (1 − (1 + i)^−360) = 1.199,10.
- Bulan pertama: bunga 200.000,00 × 0,5% = 1.000,00; pokok 1.199,10 − 1.000,00 = 199,10; sisa utang 199.800,90.
- Seluruh angsuran: 360 × 1.199,10 = 431.676,38, di antaranya 231.676,38 adalah bunga.
- Pinjaman bunga tetap dengan cicilan bulanan sama besar (anuitas) dan bunga dihitung bulanan, tanpa biaya admin, provisi, atau asuransi. Bank bisa membulatkan atau menghitung hari secara berbeda sehingga tabelnya dapat selisih beberapa rupiah. Hanya perhitungan, bukan nasihat keuangan.