Cara Memakai

Dokumen ini telah dilengkapi dengan rumus perhitungan cicilan denga metode efektif, flat, dan anuitasUntuk memakai simulasi, masukkan jumlah hutang pokok, lama pinjaman (bulan), dan bungaUntuk melihat suku bunga bank hari ini, silakan dilihat di www.sikatabis.comDokumen ini bebas dimodifikasi :)Untuk feedback, silakan kirim ke support@sikatabis.comUse only to simulate. SikatAbis.com are not responsible for any data disrepancies and andy damages

CIcilanBUNGA EFEKTIFBUNGA FLATBUNGA ANUITAS(pinjaman 600 jt selama 120 bulan, bunga 10% per tahun)(pinjaman 600 jt selama 120 bulan, bunga 5.37% per tahun)(pinjaman 600 jt selama 120 bulan, bunga 10% per tahun)Pinjaman300,000,000RpPinjaman600,000,000RpPinjaman600,000,000RpLama120BulanLama120BulanLama120BulanBunga10%per TahunBunga5.37%per TahunBunga10.00%per Tahun

Bulan Saldo PokokCicilan PokokBungaCicilanBulan Saldo PokokCicilan PokokBungaCicilanBulan Saldo PokokCicilan PokokBungaCicilan1297,500,0002,500,0002,500,0005,000,0001297,500,0002,500,0002,685,0005,185,0001597,070,9562,929,0445,000,0007,929,044600,000,0002295,000,0002,500,0002,479,1674,979,1672295,000,0002,500,0002,685,0005,185,0002594,117,5032,953,4534,975,5917,929,044597,070,9563292,500,0002,500,0002,458,3334,958,3333292,500,0002,500,0002,685,0005,185,0003591,139,4382,978,0654,950,9797,929,044594,117,5034290,000,0002,500,0002,437,5004,937,5004290,000,0002,500,0002,685,0005,185,0004588,136,5563,002,8824,926,1627,929,044591,139,4385287,500,0002,500,0002,416,6674,916,6675287,500,0002,500,0002,685,0005,185,0005585,108,6493,027,9064,901,1387,929,044588,136,5566285,000,0002,500,0002,395,8334,895,8336285,000,0002,500,0002,685,0005,185,0006582,055,5113,053,1394,875,9057,929,044585,108,6497282,500,0002,500,0002,375,0004,875,0007282,500,0002,500,0002,685,0005,185,0007578,976,9293,078,5824,850,4637,929,044582,055,5118280,000,0002,500,0002,354,1674,854,1678280,000,0002,500,0002,685,0005,185,0008575,872,6923,104,2364,824,8087,929,044578,976,9299277,500,0002,500,0002,333,3334,833,3339277,500,0002,500,0002,685,0005,185,0009572,742,5873,130,1054,798,9397,929,044575,872,69210275,000,0002,500,0002,312,5004,812,50010275,000,0002,500,0002,685,0005,185,00010569,586,3983,156,1894,772,8557,929,044572,742,58711272,500,0002,500,0002,291,6674,791,66711272,500,0002,500,0002,685,0005,185,00011566,403,9073,182,4914,746,5537,929,044569,586,39812270,000,0002,500,0002,270,8334,770,83312270,000,0002,500,0002,685,0005,185,00012563,194,8953,209,0124,720,0337,929,044566,403,90713267,500,0002,500,0002,250,0004,750,00013267,500,0002,500,0002,685,0005,185,00013559,959,1423,235,7534,693,2917,929,044563,194,89514265,000,0002,500,0002,229,1674,729,16714265,000,0002,500,0002,685,0005,185,00014556,696,4243,262,7184,666,3267,929,044559,959,14215262,500,0002,500,0002,208,3334,708,33315262,500,0002,500,0002,685,0005,185,00015553,406,5173,289,9074,639,1377,929,044556,696,42416260,000,0002,500,0002,187,5004,687,50016260,000,0002,500,0002,685,0005,185,00016550,089,1933,317,3234,611,7217,929,044553,406,51717257,500,0002,500,0002,166,6674,666,66717257,500,0002,500,0002,685,0005,185,00017546,744,2263,344,9684,584,0777,929,044550,089,19318255,000,0002,500,0002,145,8334,645,83318255,000,0002,500,0002,685,0005,185,00018543,371,3843,372,8424,556,2027,929,044546,744,22619252,500,0002,500,0002,125,0004,625,00019252,500,0002,500,0002,685,0005,185,00019539,970,4343,400,9494,528,0957,929,044543,371,38420250,000,0002,500,0002,104,1674,604,16720250,000,0002,500,0002,685,0005,185,00020536,541,1443,429,2914,499,7547,929,044539,970,43421247,500,0002,500,0002,083,3334,583,33321247,500,0002,500,0002,685,0005,185,00021533,083,2763,457,8684,471,1767,929,044536,541,14422245,000,0002,500,0002,062,5004,562,50022245,000,0002,500,0002,685,0005,185,00022529,596,5923,486,6844,442,3617,929,044533,083,27623242,500,0002,500,0002,041,6674,541,66723242,500,0002,500,0002,685,0005,185,00023526,080,8533,515,7394,413,3057,929,044529,596,59224240,000,0002,500,0002,020,8334,520,83324240,000,0002,500,0002,685,0005,185,00024522,535,8163,545,0374,384,0077,929,044526,080,85325237,500,0002,500,0002,000,0004,500,00025237,500,0002,500,0002,685,0005,185,00025518,961,2373,574,5794,354,4657,929,044522,535,81626235,000,0002,500,0001,979,1674,479,16726235,000,0002,500,0002,685,0005,185,00026515,356,8693,604,3674,324,6777,929,044518,961,23727232,500,0002,500,0001,958,3334,458,33327232,500,0002,500,0002,685,0005,185,00027511,722,4663,634,4044,294,6417,929,044515,356,86928230,000,0002,500,0001,937,5004,437,50028230,000,0002,500,0002,685,0005,185,00028508,057,7753,664,6904,264,3547,929,044511,722,46629227,500,0002,500,0001,916,6674,416,66729227,500,0002,500,0002,685,0005,185,00029504,362,5463,695,2294,233,8157,929,044508,057,77530225,000,0002,500,0001,895,8334,395,83330225,000,0002,500,0002,685,0005,185,00030500,636,5233,726,0234,203,0217,929,044504,362,54631222,500,0002,500,0001,875,0004,375,00031222,500,0002,500,0002,685,0005,185,00031496,879,4503,757,0734,171,9717,929,044500,636,52332220,000,0002,500,0001,854,1674,354,16732220,000,0002,500,0002,685,0005,185,00032493,091,0683,788,3824,140,6627,929,044496,879,45033217,500,0002,500,0001,833,3334,333,33333217,500,0002,500,0002,685,0005,185,00033489,271,1163,819,9524,109,0927,929,044493,091,06834215,000,0002,500,0001,812,5004,312,50034215,000,0002,500,0002,685,0005,185,00034485,419,3313,851,7854,077,2597,929,044489,271,11635212,500,0002,500,0001,791,6674,291,66735212,500,0002,500,0002,685,0005,185,00035481,535,4483,883,8834,045,1617,929,044485,419,33136210,000,0002,500,0001,770,8334,270,83336210,000,0002,500,0002,685,0005,185,00036477,619,1993,916,2494,012,7957,929,044481,535,44837207,500,0002,500,0001,750,0004,250,00037207,500,0002,500,0002,685,0005,185,00037473,670,3153,948,8843,980,1607,929,044477,619,19938205,000,0002,500,0001,729,1674,229,16738205,000,0002,500,0002,685,0005,185,00038469,688,5233,981,7923,947,2537,929,044473,670,31539202,500,0002,500,0001,708,3334,208,33339202,500,0002,500,0002,685,0005,185,00039465,673,5504,014,9733,914,0717,929,044469,688,52340200,000,0002,500,0001,687,5004,187,50040200,000,0002,500,0002,685,0005,185,00040461,625,1184,048,4313,880,6137,929,044465,673,55041197,500,0002,500,0001,666,6674,166,66741197,500,0002,500,0002,685,0005,185,00041457,542,9504,082,1683,846,8767,929,044461,625,11842195,000,0002,500,0001,645,8334,145,83342195,000,0002,500,0002,685,0005,185,00042453,426,7644,116,1863,812,8587,929,044457,542,95043192,500,0002,500,0001,625,0004,125,00043192,500,0002,500,0002,685,0005,185,00043449,276,2764,150,4883,778,5567,929,044453,426,76444190,000,0002,500,0001,604,1674,104,16744190,000,0002,500,0002,685,0005,185,00044445,091,2014,185,0753,743,9697,929,044449,276,27645187,500,0002,500,0001,583,3334,083,33345187,500,0002,500,0002,685,0005,185,00045440,871,2504,219,9513,709,0937,929,044445,091,20146185,000,0002,500,0001,562,5004,062,50046185,000,0002,500,0002,685,0005,185,00046436,616,1334,255,1173,673,9277,929,044440,871,25047182,500,0002,500,0001,541,6674,041,66747182,500,0002,500,0002,685,0005,185,00047432,325,5564,290,5763,638,4687,929,044436,616,13348180,000,0002,500,0001,520,8334,020,83348180,000,0002,500,0002,685,0005,185,00048427,999,2254,326,3313,602,7137,929,044432,325,55649177,500,0002,500,0001,500,0004,000,00049177,500,0002,500,0002,685,0005,185,00049423,636,8414,362,3843,566,6607,929,044427,999,22550175,000,0002,500,0001,479,1673,979,16750175,000,0002,500,0002,685,0005,185,00050419,238,1044,398,7373,530,3077,929,044423,636,84151172,500,0002,500,0001,458,3333,958,33351172,500,0002,500,0002,685,0005,185,00051414,802,7114,435,3933,493,6517,929,044419,238,10452170,000,0002,500,0001,437,5003,937,50052170,000,0002,500,0002,685,0005,185,00052410,330,3564,472,3553,456,6897,929,044414,802,71153167,500,0002,500,0001,416,6673,916,66753167,500,0002,500,0002,685,0005,185,00053405,820,7314,509,6253,419,4207,929,044410,330,35654165,000,0002,500,0001,395,8333,895,83354165,000,0002,500,0002,685,0005,185,00054401,273,5264,547,2053,381,8397,929,044405,820,73155162,500,0002,500,0001,375,0003,875,00055162,500,0002,500,0002,685,0005,185,00055396,688,4284,585,0983,343,9467,929,044401,273,52656160,000,0002,500,0001,354,1673,854,16756160,000,0002,500,0002,685,0005,185,00056392,065,1214,623,3073,305,7377,929,044396,688,42857157,500,0002,500,0001,333,3333,833,33357157,500,0002,500,0002,685,0005,185,00057387,403,2864,661,8353,267,2097,929,044392,065,12158155,000,0002,500,0001,312,5003,812,50058155,000,0002,500,0002,685,0005,185,00058382,702,6024,700,6833,228,3617,929,044387,403,28659152,500,0002,500,0001,291,6673,791,66759152,500,0002,500,0002,685,0005,185,00059377,962,7474,739,8563,189,1887,929,044382,702,60260150,000,0002,500,0001,270,8333,770,83360150,000,0002,500,0002,685,0005,185,00060373,183,3924,779,3553,149,6907,929,044377,962,74761147,500,0002,500,0001,250,0003,750,00061147,500,0002,500,0002,685,0005,185,00061368,364,2094,819,1833,109,8627,929,044373,183,39262145,000,0002,500,0001,229,1673,729,16762145,000,0002,500,0002,685,0005,185,00062363,504,8674,859,3423,069,7027,929,044368,364,20963142,500,0002,500,0001,208,3333,708,33363142,500,0002,500,0002,685,0005,185,00063358,605,0304,899,8373,029,2077,929,044363,504,86764140,000,0002,500,0001,187,5003,687,50064140,000,0002,500,0002,685,0005,185,00064353,664,3614,940,6692,988,3757,929,044358,605,03065137,500,0002,500,0001,166,6673,666,66765137,500,0002,500,0002,685,0005,185,00065348,682,5204,981,8412,947,2037,929,044353,664,36166135,000,0002,500,0001,145,8333,645,83366135,000,0002,500,0002,685,0005,185,00066343,659,1635,023,3572,905,6887,929,044348,682,52067132,500,0002,500,0001,125,0003,625,00067132,500,0002,500,0002,685,0005,185,00067338,593,9455,065,2182,863,8267,929,044343,659,16368130,000,0002,500,0001,104,1673,604,16768130,000,0002,500,0002,685,0005,185,00068333,486,5175,107,4282,821,6167,929,044338,593,94569127,500,0002,500,0001,083,3333,583,33369127,500,0002,500,0002,685,0005,185,00069328,336,5275,149,9902,779,0547,929,044333,486,51770125,000,0002,500,0001,062,5003,562,50070125,000,0002,500,0002,685,0005,185,00070323,143,6215,192,9062,736,1387,929,044328,336,52771122,500,0002,500,0001,041,6673,541,66771122,500,0002,500,0002,685,0005,185,00071317,907,4405,236,1812,692,8647,929,044323,143,62172120,000,0002,500,0001,020,8333,520,83372120,000,0002,500,0002,685,0005,185,00072312,627,6255,279,8162,649,2297,929,044317,907,44073117,500,0002,500,0001,000,0003,500,00073117,500,0002,500,0002,685,0005,185,00073307,303,8115,323,8142,605,2307,929,044312,627,62574115,000,0002,500,000979,1673,479,16774115,000,0002,500,0002,685,0005,185,00074301,935,6315,368,1792,560,8657,929,044307,303,81175112,500,0002,500,000958,3333,458,33375112,500,0002,500,0002,685,0005,185,00075296,522,7185,412,9142,516,1307,929,044301,935,63176110,000,0002,500,000937,5003,437,50076110,000,0002,500,0002,685,0005,185,00076291,064,6965,458,0222,471,0237,929,044296,522,71877107,500,0002,500,000916,6673,416,66777107,500,0002,500,0002,685,0005,185,00077285,561,1915,503,5052,425,5397,929,044291,064,69678105,000,0002,500,000895,8333,395,83378105,000,0002,500,0002,685,0005,185,00078280,011,8235,549,3682,379,6777,929,044285,561,19179102,500,0002,500,000875,0003,375,00079102,500,0002,500,0002,685,0005,185,00079274,416,2115,595,6122,333,4327,929,044280,011,82380100,000,0002,500,000854,1673,354,16780100,000,0002,500,0002,685,0005,185,00080268,773,9685,642,2422,286,8027,929,044274,416,2118197,500,0002,500,000833,3333,333,3338197,500,0002,500,0002,685,0005,185,00081263,084,7075,689,2612,239,7837,929,044268,773,9688295,000,0002,500,000812,5003,312,5008295,000,0002,500,0002,685,0005,185,00082257,348,0365,736,6722,192,3737,929,044263,084,7078392,500,0002,500,000791,6673,291,6678392,500,0002,500,0002,685,0005,185,00083251,563,5585,784,4772,144,5677,929,044257,348,0368490,000,0002,500,000770,8333,270,8338490,000,0002,500,0002,685,0005,185,00084245,730,8775,832,6812,096,3637,929,044251,563,5588587,500,0002,500,000750,0003,250,0008587,500,0002,500,0002,685,0005,185,00085239,849,5905,881,2872,047,7577,929,044245,730,8778685,000,0002,500,000729,1673,229,1678685,000,0002,500,0002,685,0005,185,00086233,919,2935,930,2981,998,7477,929,044239,849,5908782,500,0002,500,000708,3333,208,3338782,500,0002,500,0002,685,0005,185,00087227,939,5765,979,7171,949,3277,929,044233,919,2938880,000,0002,500,000687,5003,187,5008880,000,0002,500,0002,685,0005,185,00088221,910,0286,029,5481,899,4967,929,044227,939,5768977,500,0002,500,000666,6673,166,6678977,500,0002,500,0002,685,0005,185,00089215,830,2346,079,7941,849,2507,929,044221,910,0289075,000,0002,500,000645,8333,145,8339075,000,0002,500,0002,685,0005,185,00090209,699,7756,130,4591,798,5857,929,044215,830,2349172,500,0002,500,000625,0003,125,0009172,500,0002,500,0002,685,0005,185,00091203,518,2296,181,5461,747,4987,929,044209,699,7759270,000,0002,500,000604,1673,104,1679270,000,0002,500,0002,685,0005,185,00092197,285,1706,233,0591,695,9857,929,044203,518,2299367,500,0002,500,000583,3333,083,3339367,500,0002,500,0002,685,0005,185,00093191,000,1696,285,0011,644,0437,929,044197,285,1709465,000,0002,500,000562,5003,062,5009465,000,0002,500,0002,685,0005,185,00094184,662,7936,337,3761,591,6687,929,044191,000,1699562,500,0002,500,000541,6673,041,6679562,500,0002,500,0002,685,0005,185,00095178,272,6056,390,1881,538,8577,929,044184,662,7939660,000,0002,500,000520,8333,020,8339660,000,0002,500,0002,685,0005,185,00096171,829,1666,443,4391,485,6057,929,044178,272,6059757,500,0002,500,000500,0003,000,0009757,500,0002,500,0002,685,0005,185,00097165,332,0326,497,1341,431,9107,929,044171,829,1669855,000,0002,500,000479,1672,979,1679855,000,0002,500,0002,685,0005,185,00098158,780,7546,551,2771,377,7677,929,044165,332,0329952,500,0002,500,000458,3332,958,3339952,500,0002,500,0002,685,0005,185,00099152,174,8836,605,8711,323,1737,929,044158,780,75410050,000,0002,500,000437,5002,937,50010050,000,0002,500,0002,685,0005,185,000100145,513,9636,660,9201,268,1247,929,044152,174,88310147,500,0002,500,000416,6672,916,66710147,500,0002,500,0002,685,0005,185,000101138,797,5356,716,4281,212,6167,929,044145,513,96310245,000,0002,500,000395,8332,895,83310245,000,0002,500,0002,685,0005,185,000102132,025,1376,772,3981,156,6467,929,044138,797,53510342,500,0002,500,000375,0002,875,00010342,500,0002,500,0002,685,0005,185,000103125,196,3026,828,8351,100,2097,929,044132,025,13710440,000,0002,500,000354,1672,854,16710440,000,0002,500,0002,685,0005,185,000104118,310,5616,885,7421,043,3037,929,044125,196,30210537,500,0002,500,000333,3332,833,33310537,500,0002,500,0002,685,0005,185,000105111,367,4386,943,123985,9217,929,044118,310,56110635,000,0002,500,000312,5002,812,50010635,000,0002,500,0002,685,0005,185,000106104,366,4557,000,982928,0627,929,044111,367,43810732,500,0002,500,000291,6672,791,66710732,500,0002,500,0002,685,0005,185,00010797,307,1327,059,324869,7207,929,044104,366,45510830,000,0002,500,000270,8332,770,83310830,000,0002,500,0002,685,0005,185,00010890,188,9807,118,151810,8937,929,04497,307,13210927,500,0002,500,000250,0002,750,00010927,500,0002,500,0002,685,0005,185,00010983,011,5117,177,469751,5757,929,04490,188,98011025,000,0002,500,000229,1672,729,16711025,000,0002,500,0002,685,0005,185,00011075,774,2297,237,282691,7637,929,04483,011,51111122,500,0002,500,000208,3332,708,33311122,500,0002,500,0002,685,0005,185,00011168,476,6377,297,592631,4527,929,04475,774,22911220,000,0002,500,000187,5002,687,50011220,000,0002,500,0002,685,0005,185,00011261,118,2317,358,406570,6397,929,04468,476,63711317,500,0002,500,000166,6672,666,66711317,500,0002,500,0002,685,0005,185,00011353,698,5067,419,726509,3197,929,04461,118,23111415,000,0002,500,000145,8332,645,83311415,000,0002,500,0002,685,0005,185,00011446,216,9497,481,557447,4887,929,04453,698,50611512,500,0002,500,000125,0002,625,00011512,500,0002,500,0002,685,0005,185,00011538,673,0467,543,903385,1417,929,04446,216,94911610,000,0002,500,000104,1672,604,16711610,000,0002,500,0002,685,0005,185,00011631,066,2777,606,769322,2757,929,04438,673,0461177,500,0002,500,00083,3332,583,3331177,500,0002,500,0002,685,0005,185,00011723,396,1197,670,159258,8867,929,04431,066,2771185,000,0002,500,00062,5002,562,5001185,000,0002,500,0002,685,0005,185,00011815,662,0427,734,077194,9687,929,04423,396,1191192,500,0002,500,00041,6672,541,6671192,500,0002,500,0002,685,0005,185,0001197,863,5157,798,527130,5177,929,04415,662,0421200.02,500,00020,8332,520,8331200.02,500,0002,685,0005,185,00012007,863,51565,5297,929,0447,863,515451,250,000622,200,000951,485,306

CU SINAR SHARONBUNGA EFEKTIF(pinjaman 50 jt selama 24 bulan, bunga 10% per tahun)Pinjaman50,000,000RpLama24BulanBunga19.92%per Tahun

Bulan Saldo PokokCicilan PokokBungaCicilan147,916,6672,083,333830,0002,913,333245,833,3332,083,333795,4172,878,750343,750,0002,083,333760,8332,844,167441,666,6672,083,333726,2502,809,583539,583,3332,083,333691,6672,775,000637,500,0002,083,333657,0832,740,417735,416,6672,083,333622,5002,705,833833,333,3332,083,333587,9172,671,250931,250,0002,083,333553,3332,636,6671029,166,6672,083,333518,7502,602,0831127,083,3332,083,333484,1672,567,5001225,000,0002,083,333449,5832,532,9171322,916,6672,083,333415,0002,498,3331420,833,3332,083,333380,4172,463,7501518,750,0002,083,333345,8332,429,1671616,666,6672,083,333311,2502,394,5831714,583,3332,083,333276,6672,360,0001812,500,0002,083,333242,0832,325,4171910,416,6672,083,333207,5002,290,833208,333,3332,083,333172,9172,256,250216,250,0002,083,333138,3332,221,667224,166,6672,083,333103,7502,187,083232,083,3332,083,33369,1672,152,500240.02,083,33334,5832,117,91760,375,000