PEMBIAYAAN IMPLAN DPRA

NO

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41

POKOK
PEMBIAYAAN
Margin Effektif
Ekivalen Flat
50,000,000.00
55,000,000.00
60,000,000.00
65,000,000.00
70,000,000.00
75,000,000.00
80,000,000.00
85,000,000.00
90,000,000.00
95,000,000.00
100,000,000.00
105,000,000.00
110,000,000.00
115,000,000.00
120,000,000.00
125,000,000.00
130,000,000.00
135,000,000.00
140,000,000.00
145,000,000.00
150,000,000.00
155,000,000.00
160,000,000.00
165,000,000.00
170,000,000.00
175,000,000.00
180,000,000.00
185,000,000.00
190,000,000.00
195,000,000.00
200,000,000.00
205,000,000.00
210,000,000.00
215,000,000.00
220,000,000.00
225,000,000.00
230,000,000.00
235,000,000.00
240,000,000.00
245,000,000.00
250,000,000.00

JANGKA WAKTU (BLN)

12
24
15.00%
15.50%
8.31%
8.47%
4,512,915.6
2,436,227.1
4,964,207.2
2,679,849.8
5,415,498.7
2,923,472.5
5,866,790.3
3,167,095.3
6,318,081.9
3,410,718.0
6,769,373.4
3,654,340.7
7,220,665.0
3,897,963.4
7,671,956.5
4,141,586.1
8,123,248.1
4,385,208.8
8,574,539.7
4,628,831.5
9,025,831.2
4,872,454.2
9,477,122.8
5,116,077.0
9,928,414.4
5,359,699.7
10,379,705.9
5,603,322.4
10,830,997.5
5,846,945.1
11,282,289.0
6,090,567.8
11,733,580.6
6,334,190.5
12,184,872.2
6,577,813.2
12,636,163.7
6,821,435.9
13,087,455.3
7,065,058.7
13,538,746.9
7,308,681.4
13,990,038.4
7,552,304.1
14,441,330.0
7,795,926.8
14,892,621.5
8,039,549.5
15,343,913.1
8,283,172.2
15,795,204.7
8,526,794.9
16,246,496.2
8,770,417.6
16,697,787.8
9,014,040.4
17,149,079.3
9,257,663.1
17,600,370.9
9,501,285.8
18,051,662.5
9,744,908.5
18,502,954.0
9,988,531.2
18,954,245.6
10,232,153.9
19,405,537.2
10,475,776.6
19,856,828.7
10,719,399.3
20,308,120.3
10,963,022.1
20,759,411.8
11,206,644.8
21,210,703.4
11,450,267.5
21,661,995.0
11,693,890.2
22,113,286.5
11,937,512.9
22,564,578.1
12,181,135.6

36
16.00%
8.86%
1,757,851.7
1,933,636.8
2,109,422.0
2,285,207.1
2,460,992.3
2,636,777.5
2,812,562.6
2,988,347.8
3,164,133.0
3,339,918.1
3,515,703.3
3,691,488.5
3,867,273.6
4,043,058.8
4,218,844.0
4,394,629.1
4,570,414.3
4,746,199.5
4,921,984.6
5,097,769.8
5,273,555.0
5,449,340.1
5,625,125.3
5,800,910.5
5,976,695.6
6,152,480.8
6,328,265.9
6,504,051.1
6,679,836.3
6,855,621.4
7,031,406.6
7,207,191.8
7,382,976.9
7,558,762.1
7,734,547.3
7,910,332.4
8,086,117.6
8,261,902.8
8,437,687.9
8,613,473.1
8,789,258.3

PEMBIAYAAN IMPLAN DPRA

NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46

POKOK
PEMBIAYAAN
50,000,000.00
60,000,000.00
70,000,000.00
80,000,000.00
90,000,000.00
100,000,000.00
110,000,000.00
120,000,000.00
130,000,000.00
140,000,000.00
150,000,000.00
160,000,000.00
170,000,000.00
180,000,000.00
190,000,000.00
200,000,000.00
210,000,000.00
220,000,000.00
230,000,000.00
240,000,000.00
250,000,000.00
260,000,000.00
270,000,000.00
280,000,000.00
290,000,000.00
300,000,000.00
310,000,000.00
320,000,000.00
330,000,000.00
340,000,000.00
350,000,000.00
360,000,000.00
370,000,000.00
380,000,000.00
390,000,000.00
400,000,000.00
410,000,000.00
420,000,000.00
430,000,000.00
440,000,000.00
450,000,000.00
460,000,000.00
470,000,000.00
480,000,000.00
490,000,000.00
500,000,000.00

JANGKA WAKTU (BLN)

12
24
4,495,239.5
2,418,397.7
5,394,287.4
2,902,077.2
6,293,335.3
3,385,756.8
7,192,383.2
3,869,436.3
8,091,431.1
4,353,115.8
8,990,479.0
4,836,795.4
9,889,526.9
5,320,474.9
10,788,574.7
5,804,154.4
11,687,622.6
6,287,834.0
12,586,670.5
6,771,513.5
13,485,718.4
7,255,193.1
14,384,766.3
7,738,872.6
15,283,814.2
8,222,552.1
16,182,862.1
8,706,231.7
17,081,910.0
9,189,911.2
17,980,957.9
9,673,590.7
18,880,005.8
10,157,270.3
19,779,053.7
10,640,949.8
20,678,101.6
11,124,629.3
21,577,149.5
11,608,308.9
22,476,197.4
12,091,988.4
23,375,245.3
12,575,668.0
24,274,293.2
13,059,347.5
25,173,341.1
13,543,027.0
26,072,389.0
14,026,706.6
26,971,436.9
14,510,386.1
27,870,484.8
14,994,065.6
28,769,532.7
15,477,745.2
29,668,580.6
15,961,424.7
30,567,628.4
16,445,104.3
31,466,676.3
16,928,783.8
32,365,724.2
17,412,463.3
33,264,772.1
17,896,142.9
34,163,820.0
18,379,822.4
35,062,867.9
18,863,501.9
35,961,915.8
19,347,181.5
36,860,963.7
19,830,861.0
37,760,011.6
20,314,540.5
38,659,059.5
20,798,220.1
39,558,107.4
21,281,899.6
40,457,155.3
21,765,579.2
41,356,203.2
22,249,258.7
42,255,251.1
22,732,938.2
43,154,299.0
23,216,617.8
44,053,346.9
23,700,297.3
44,952,394.8
24,183,976.8

Cp. Ayi Puspita Handayani 085260617777

36
1,739,394.0
2,087,272.8
2,435,151.6
2,783,030.4
3,130,909.2
3,478,788.0
3,826,666.8
4,174,545.6
4,522,424.4
4,870,303.2
5,218,182.0
5,566,060.8
5,913,939.5
6,261,818.3
6,609,697.1
6,957,575.9
7,305,454.7
7,653,333.5
8,001,212.3
8,349,091.1
8,696,969.9
9,044,848.7
9,392,727.5
9,740,606.3
10,088,485.1
10,436,363.9
10,784,242.7
11,132,121.5
11,480,000.3
11,827,879.1
12,175,757.9
12,523,636.7
12,871,515.5
13,219,394.3
13,567,273.1
13,915,151.9
14,263,030.7
14,610,909.5
14,958,788.3
15,306,667.1
15,654,545.9
16,002,424.7
16,350,303.5
16,698,182.3
17,046,061.1
17,393,939.9

PEMBIAYAAN EDUKA BSM

NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41

POKOK
PEMBIAYAAN
50,000,000.00
55,000,000.00
60,000,000.00
65,000,000.00
70,000,000.00
75,000,000.00
80,000,000.00
85,000,000.00
90,000,000.00
95,000,000.00
100,000,000.00
105,000,000.00
110,000,000.00
115,000,000.00
120,000,000.00
125,000,000.00
130,000,000.00
135,000,000.00
140,000,000.00
145,000,000.00
150,000,000.00
155,000,000.00
160,000,000.00
165,000,000.00
170,000,000.00
175,000,000.00
180,000,000.00
185,000,000.00
190,000,000.00
195,000,000.00
200,000,000.00
205,000,000.00
210,000,000.00
215,000,000.00
220,000,000.00
225,000,000.00
230,000,000.00
235,000,000.00
240,000,000.00
245,000,000.00
250,000,000.00

JANGKA WAKTU (BLN)

12
24
4,448,289.2
2,371,224.0
4,893,118.1
2,608,346.4
5,337,947.0
2,845,468.8
5,782,775.9
3,082,591.2
6,227,604.8
3,319,713.6
6,672,433.7
3,556,836.0
7,117,262.7
3,793,958.5
7,562,091.6
4,031,080.9
8,006,920.5
4,268,203.3
8,451,749.4
4,505,325.7
8,896,578.3
4,742,448.1
9,341,407.2
4,979,570.5
9,786,236.2
5,216,692.9
10,231,065.1
5,453,815.3
10,675,894.0
5,690,937.7
11,120,722.9
5,928,060.1
11,565,551.8
6,165,182.5
12,010,380.7
6,402,304.9
12,455,209.7
6,639,427.3
12,900,038.6
6,876,549.7
13,344,867.5
7,113,672.1
13,789,696.4
7,350,794.5
14,234,525.3
7,587,916.9
14,679,354.2
7,825,039.3
15,124,183.2
8,062,161.7
15,569,012.1
8,299,284.1
16,013,841.0
8,536,406.5
16,458,669.9
8,773,528.9
16,903,498.8
9,010,651.3
17,348,327.7
9,247,773.7
17,793,156.7
9,484,896.1
18,237,985.6
9,722,018.5
18,682,814.5
9,959,140.9
19,127,643.4
10,196,263.3
19,572,472.3
10,433,385.7
20,017,301.2
10,670,508.1
20,462,130.2
10,907,630.6
20,906,959.1
11,144,753.0
21,351,788.0
11,381,875.4
21,796,616.9
11,618,997.8
22,241,445.8
11,856,120.2

36
1,690,724.7
1,859,797.2
2,028,869.6
2,197,942.1
2,367,014.6
2,536,087.0
2,705,159.5
2,874,232.0
3,043,304.4
3,212,376.9
3,381,449.4
3,550,521.8
3,719,594.3
3,888,666.8
4,057,739.2
4,226,811.7
4,395,884.2
4,564,956.6
4,734,029.1
4,903,101.6
5,072,174.0
5,241,246.5
5,410,319.0
5,579,391.5
5,748,463.9
5,917,536.4
6,086,608.9
6,255,681.3
6,424,753.8
6,593,826.3
6,762,898.7
6,931,971.2
7,101,043.7
7,270,116.1
7,439,188.6
7,608,261.1
7,777,333.5
7,946,406.0
8,115,478.5
8,284,550.9
8,453,623.4

Persyaratan Pegawai:
1
2
3
4
5
6
7
8
9

Karakteristik Pembiayaan:
1 Pembiayaan diberikan pada saat calon mahasiswa telah resmi terdaftar & diterima sesuai bukti penerimaan dari sekolah,
PT/lembaga pendidikan yang telah bekerjasama dengan BSM.
2 Perjanjian kerjasama yang memuat antara lain:
a. Pihak lembaga pendidikan untuk menyerahkan bukti penerimaan mahasiswa berikut rincian biayanya kepada calon
mahasiswa untuk keperluan pengajuan pembiayaan di Bank.
b. Koordinasi untuk menyerahkan ijazah ke Bank sebagai jaminan bilamana pembiayaan nasabah belum lunas sampai
dengan selesai masa pendidikan.
3 Pembiayaan ditetapkan mulai dari Rp5 juta sampai dengan Rp250 juta.
4 Jangka waktu pembiayaan 1 - 3 tahun atau selama masa pendidikan yang akan ditempuh (mana yang lebih pendek).
5 Maksimum pembiayaan sebesar 80% dari harga perolehan manfaat layanan pendidikan.
6 a. Untuk pembiayaan Rp50 juta, jaminan berupa mobil atau tanah dan bangunan.
7 b. Untuk pembiayaan > Rp50 juta, jaminan berupa tanah dan bangunan.
Contact Person:
Ayi Puspita Handayani (085260617777)
PT Bank Syariah Mandiri
Jl. Diponegoro No. 6 - Banda Aceh
Telp. 0651-22010

Persyaratan Pegawai:
Fotokopi Kartu Keluarga
Fotokopi Surat Nikah
Surat Keterangan Domisili
Surat Keterangan Bekerja/Profesi/SK Pengangkatan
Slip Gaji asli bulan terakhir
NPWP (untuk pembiayaan > Rp50 juta)
Rekening Koran 6 bulan terakhir
Fotokopi dokumen kepemilikan agunan
Rincian biaya pendidikan

erdaftar & diterima sesuai bukti penerimaan dari sekolah,

maan mahasiswa berikut rincian biayanya kepada calon

nan bilamana pembiayaan nasabah belum lunas sampai

50 juta.
dikan yang akan ditempuh (mana yang lebih pendek).
faat layanan pendidikan.
anah dan bangunan.
bangunan.

PEMBIAYAAN UMRAH BSM

No.
1
2
3

100%
17,100,000.00
16,750,000.00
16,500,000.00

80%
13,680,000.00
13,400,000.00
13,200,000.00

Pembulatan
Pembiayaan
13,700,000.00
13,400,000.00
13,200,000.00

JANGKA WAKTU (BLN)

12
24
1,218,831.2
649,715.4
1,192,141.5
635,488.0
1,174,348.3
626,003.1

Dokumen Nasabah
Fotokopi KTP Pemohon.
Fotokopi KTP Suami/Istri.
Fotokopi Kartu Keluarga dan Surat Nikah (bila sudah menikah)/Surat Cerai.
Asli slip gaji/surat keterangan penghasilan terakhir.
Fotokopi Surat Keputusan pengangkatan pegawai tetap.
Asli Surat Keputusan Pengangkatan calon PNS dan Pengangkatan PNS
(khusus Nasabah pegawai negeri sipil).
7 Fotokopi rekening koran atau tabungan 3 bulan terakhir.
8 Bukti/keterangan asli keikutsertaan perjalanan umrah dari penyedia layanan umrah
(Biro Perjalanan Umrah) berikut perincian biayanya.
9 Surat Persetujuan dan Kuasa (form B dan C).
1
2
3
4
5
6

Maksimum pembiayaan sebesar 80% dari harga perolehan manfaat layanan umrah.
Contact Person:
Ayi Puspita Handayani (085260617777)
PT Bank Syariah Mandiri
Jl. Diponegoro No. 6 - Banda Aceh
Telp. 0651-22010

PEMBIAYAAN KOPERASI

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

POKOK
PEMBIAYAAN
10,000,000.00
20,000,000.00
30,000,000.00
40,000,000.00
50,000,000.00
60,000,000.00
70,000,000.00
80,000,000.00
90,000,000.00
100,000,000.00
150,000,000.00
200,000,000.00
250,000,000.00
300,000,000.00
350,000,000.00
400,000,000.00
450,000,000.00
500,000,000.00
550,000,000.00
600,000,000.00
650,000,000.00
700,000,000.00
750,000,000.00
800,000,000.00
850,000,000.00
900,000,000.00
950,000,000.00
1,000,000,000.00

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

12.00
889,657.83
1,779,315.67
2,668,973.50
3,558,631.33
4,448,289.17
5,337,947.00
6,227,604.83
7,117,262.66
8,006,920.50
8,896,578.33
13,344,867.50
17,793,156.66
22,241,445.83
26,689,734.99
31,138,024.16
35,586,313.32
40,034,602.49
44,482,891.65
48,931,180.82
53,379,469.98
57,827,759.15
62,276,048.32
66,724,337.48
71,172,626.65
75,620,915.81
80,069,204.98
84,517,494.14
88,965,783.31

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

JANGKA WAKTU (BLN)

24.00 Rp
36.00 Rp
474,244.81 Rp
338,144.94 Rp
948,489.61 Rp
676,289.87 Rp
1,422,734.42 Rp 1,014,434.81 Rp
1,896,979.23 Rp 1,352,579.75 Rp
2,371,224.03 Rp 1,690,724.68 Rp
2,845,468.84 Rp 2,028,869.62 Rp
3,319,713.65 Rp 2,367,014.56 Rp
3,793,958.45 Rp 2,705,159.49 Rp
4,268,203.26 Rp 3,043,304.43 Rp
4,742,448.07 Rp 3,381,449.37 Rp
7,113,672.10 Rp 5,072,174.05 Rp
9,484,896.13 Rp 6,762,898.73 Rp
11,856,120.17 Rp 8,453,623.42 Rp
14,227,344.20 Rp 10,144,348.10 Rp
16,598,568.23 Rp 11,835,072.78 Rp
18,969,792.27 Rp 13,525,797.47 Rp
21,341,016.30 Rp 15,216,522.15 Rp
23,712,240.33 Rp 16,907,246.83 Rp
26,083,464.37 Rp 18,597,971.52 Rp
28,454,688.40 Rp 20,288,696.20 Rp
30,825,912.43 Rp 21,979,420.88 Rp
33,197,136.47 Rp 23,670,145.57 Rp
35,568,360.50 Rp 25,360,870.25 Rp
37,939,584.53 Rp 27,051,594.93 Rp
40,310,808.57 Rp 28,742,319.62 Rp
42,682,032.60 Rp 30,433,044.30 Rp
45,053,256.63 Rp 32,123,768.98 Rp
47,424,480.67 Rp 33,814,493.67 Rp

48.00
274,520.50
549,040.99
823,561.49
1,098,081.98
1,372,602.48
1,647,122.97
1,921,643.47
2,196,163.96
2,470,684.46
2,745,204.96
4,117,807.43
5,490,409.91
6,863,012.39
8,235,614.87
9,608,217.34
10,980,819.82
12,353,422.30
13,726,024.78
15,098,627.25
16,471,229.73
17,843,832.21
19,216,434.69
20,589,037.17
21,961,639.64
23,334,242.12
24,706,844.60
26,079,447.08
27,452,049.55

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

60.00
244,510.90
489,021.80
733,532.69
978,043.59
1,222,554.49
1,467,065.39
1,711,576.29
1,956,087.19
2,200,598.08
2,445,108.98
3,667,663.47
4,890,217.96
6,112,772.45
7,335,326.94
8,557,881.43
9,780,435.93
11,002,990.42
12,225,544.91
13,448,099.40
14,670,653.89
15,893,208.38
17,115,762.87
18,338,317.36
19,560,871.85
20,783,426.34
22,005,980.83
23,228,535.32
24,451,089.81

PEMBIAYAAN GRIYA BSM

NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

POKOK
PEMBIAYAAN
50,000,000.00
55,000,000.00
60,000,000.00
65,000,000.00
70,000,000.00
75,000,000.00
80,000,000.00
85,000,000.00
90,000,000.00
95,000,000.00
100,000,000.00
105,000,000.00
110,000,000.00
115,000,000.00
120,000,000.00
125,000,000.00
130,000,000.00
135,000,000.00
140,000,000.00
145,000,000.00
150,000,000.00
155,000,000.00
160,000,000.00
165,000,000.00
170,000,000.00
175,000,000.00
180,000,000.00
185,000,000.00
190,000,000.00
195,000,000.00
200,000,000.00
205,000,000.00
210,000,000.00
215,000,000.00
220,000,000.00
225,000,000.00

12
4,471,730.5
4,918,903.5
5,366,076.6
5,813,249.6
6,260,422.6
6,707,595.7
7,154,768.7
7,601,941.8
8,049,114.8
8,496,287.9
8,943,460.9
9,390,634.0
9,837,807.0
10,284,980.1
10,732,153.1
11,179,326.2
11,626,499.2
12,073,672.2
12,520,845.3
12,968,018.3
13,415,191.4
13,862,364.4
14,309,537.5
14,756,710.5
15,203,883.6
15,651,056.6
16,098,229.7
16,545,402.7
16,992,575.8
17,439,748.8
17,886,921.8
18,334,094.9
18,781,267.9
19,228,441.0
19,675,614.0
20,122,787.1

24
2,394,743.2
2,634,217.5
2,873,691.9
3,113,166.2
3,352,640.5
3,592,114.8
3,831,589.1
4,071,063.5
4,310,537.8
4,550,012.1
4,789,486.4
5,028,960.8
5,268,435.1
5,507,909.4
5,747,383.7
5,986,858.0
6,226,332.4
6,465,806.7
6,705,281.0
6,944,755.3
7,184,229.7
7,423,704.0
7,663,178.3
7,902,652.6
8,142,126.9
8,381,601.3
8,621,075.6
8,860,549.9
9,100,024.2
9,339,498.5
9,578,972.9
9,818,447.2
10,057,921.5
10,297,395.8
10,536,870.2
10,776,344.5

PT. Bank Syariah Mandiri

Kantor Cabang Pembantu Darussalam
Jl. T. Nyak Arief No. 376 Darussalam - Banda Aceh
Telp. (0651) 7551743, 7551744
CP. Ayi Puspita Handayani (085260617777)

36
1,702,816.6
1,873,098.3
2,043,380.0
2,213,661.6
2,383,943.3
2,554,225.0
2,724,506.6
2,894,788.3
3,065,069.9
3,235,351.6
3,405,633.3
3,575,914.9
3,746,196.6
3,916,478.3
4,086,759.9
4,257,041.6
4,427,323.3
4,597,604.9
4,767,886.6
4,938,168.3
5,108,449.9
5,278,731.6
5,449,013.2
5,619,294.9
5,789,576.6
5,959,858.2
6,130,139.9
6,300,421.6
6,470,703.2
6,640,984.9
6,811,266.6
6,981,548.2
7,151,829.9
7,322,111.5
7,492,393.2
7,662,674.9

48
1,360,061.7
1,496,067.9
1,632,074.0
1,768,080.2
1,904,086.4
2,040,092.6
2,176,098.7
2,312,104.9
2,448,111.1
2,584,117.2
2,720,123.4
2,856,129.6
2,992,135.8
3,128,141.9
3,264,148.1
3,400,154.3
3,536,160.4
3,672,166.6
3,808,172.8
3,944,179.0
4,080,185.1
4,216,191.3
4,352,197.5
4,488,203.6
4,624,209.8
4,760,216.0
4,896,222.1
5,032,228.3
5,168,234.5
5,304,240.7
5,440,246.8
5,576,253.0
5,712,259.2
5,848,265.3
5,984,271.5
6,120,277.7

JANGKA WAKTU (BLN)

60
72
1,156,942.2
1,030,287.0
1,272,636.5
1,133,315.7
1,388,330.7
1,236,344.4
1,504,024.9
1,339,373.1
1,619,719.1
1,442,401.8
1,735,413.4
1,545,430.5
1,851,107.6
1,648,459.2
1,966,801.8
1,751,487.9
2,082,496.0
1,854,516.6
2,198,190.3
1,957,545.3
2,313,884.5
2,060,573.9
2,429,578.7
2,163,602.6
2,545,272.9
2,266,631.3
2,660,967.2
2,369,660.0
2,776,661.4
2,472,688.7
2,892,355.6
2,575,717.4
3,008,049.8
2,678,746.1
3,123,744.1
2,781,774.8
3,239,438.3
2,884,803.5
3,355,132.5
2,987,832.2
3,470,826.7
3,090,860.9
3,586,521.0
3,193,889.6
3,702,215.2
3,296,918.3
3,817,909.4
3,399,947.0
3,933,603.6
3,502,975.7
4,049,297.8
3,606,004.4
4,164,992.1
3,709,033.1
4,280,686.3
3,812,061.8
4,396,380.5
3,915,090.5
4,512,074.7
4,018,119.2
4,627,769.0
4,121,147.9
4,743,463.2
4,224,176.6
4,859,157.4
4,327,205.3
4,974,851.6
4,430,234.0
5,090,545.9
4,533,262.7
5,206,240.1
4,636,291.4

84
943,919.4
1,038,311.3
1,132,703.2
1,227,095.2
1,321,487.1
1,415,879.0
1,510,271.0
1,604,662.9
1,699,054.8
1,793,446.8
1,887,838.7
1,982,230.7
2,076,622.6
2,171,014.5
2,265,406.5
2,359,798.4
2,454,190.3
2,548,582.3
2,642,974.2
2,737,366.1
2,831,758.1
2,926,150.0
3,020,541.9
3,114,933.9
3,209,325.8
3,303,717.8
3,398,109.7
3,492,501.6
3,586,893.6
3,681,285.5
3,775,677.4
3,870,069.4
3,964,461.3
4,058,853.2
4,153,245.2
4,247,637.1

96
881,428.7
969,571.5
1,057,714.4
1,145,857.3
1,234,000.1
1,322,143.0
1,410,285.9
1,498,428.7
1,586,571.6
1,674,714.5
1,762,857.3
1,851,000.2
1,939,143.1
2,027,285.9
2,115,428.8
2,203,571.7
2,291,714.5
2,379,857.4
2,468,000.3
2,556,143.2
2,644,286.0
2,732,428.9
2,820,571.8
2,908,714.6
2,996,857.5
3,085,000.4
3,173,143.2
3,261,286.1
3,349,429.0
3,437,571.8
3,525,714.7
3,613,857.6
3,702,000.4
3,790,143.3
3,878,286.2
3,966,429.0

108
834,341.8
917,776.0
1,001,210.1
1,084,644.3
1,168,078.5
1,251,512.7
1,334,946.8
1,418,381.0
1,501,815.2
1,585,249.4
1,668,683.6
1,752,117.7
1,835,551.9
1,918,986.1
2,002,420.3
2,085,854.5
2,169,288.6
2,252,722.8
2,336,157.0
2,419,591.2
2,503,025.3
2,586,459.5
2,669,893.7
2,753,327.9
2,836,762.1
2,920,196.2
3,003,630.4
3,087,064.6
3,170,498.8
3,253,932.9
3,337,367.1
3,420,801.3
3,504,235.5
3,587,669.7
3,671,103.8
3,754,538.0

120
799,037.1
878,940.8
958,844.5
1,038,748.2
1,118,652.0
1,198,555.7
1,278,459.4
1,358,363.1
1,438,266.8
1,518,170.5
1,598,074.2
1,677,977.9
1,757,881.6
1,837,785.3
1,917,689.1
1,997,592.8
2,077,496.5
2,157,400.2
2,237,303.9
2,317,207.6
2,397,111.3
2,477,015.0
2,556,918.7
2,636,822.5
2,716,726.2
2,796,629.9
2,876,533.6
2,956,437.3
3,036,341.0
3,116,244.7
3,196,148.4
3,276,052.1
3,355,955.9
3,435,859.6
3,515,763.3
3,595,667.0

PEMBIAYAAN KONSUMER BSM

NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55

POKOK
PEMBIAYAAN
50,000,000.00
55,000,000.00
60,000,000.00
65,000,000.00
70,000,000.00
75,000,000.00
80,000,000.00
85,000,000.00
90,000,000.00
95,000,000.00
100,000,000.00
105,000,000.00
110,000,000.00
115,000,000.00
120,000,000.00
125,000,000.00
130,000,000.00
135,000,000.00
140,000,000.00
145,000,000.00
150,000,000.00
155,000,000.00
160,000,000.00
165,000,000.00
170,000,000.00
175,000,000.00
180,000,000.00
185,000,000.00
190,000,000.00
195,000,000.00
200,000,000.00
205,000,000.00
210,000,000.00
215,000,000.00
220,000,000.00
225,000,000.00
230,000,000.00
235,000,000.00
240,000,000.00
245,000,000.00
250,000,000.00
255,000,000.00
260,000,000.00
265,000,000.00
270,000,000.00
275,000,000.00
280,000,000.00
285,000,000.00
290,000,000.00
295,000,000.00
300,000,000.00
305,000,000.00
310,000,000.00
315,000,000.00
320,000,000.00

12
4,448,289.2
4,893,118.1
5,337,947.0
5,782,775.9
6,227,604.8
6,672,433.7
7,117,262.7
7,562,091.6
8,006,920.5
8,451,749.4
8,896,578.3
9,341,407.2
9,786,236.2
10,231,065.1
10,675,894.0
11,120,722.9
11,565,551.8
12,010,380.7
12,455,209.7
12,900,038.6
13,344,867.5
13,789,696.4
14,234,525.3
14,679,354.2
15,124,183.2
15,569,012.1
16,013,841.0
16,458,669.9
16,903,498.8
17,348,327.7
17,793,156.7
18,237,985.6
18,682,814.5
19,127,643.4
19,572,472.3
20,017,301.2
20,462,130.2
20,906,959.1
21,351,788.0
21,796,616.9
22,241,445.8
22,686,274.7
23,131,103.7
23,575,932.6
24,020,761.5
24,465,590.4
24,910,419.3
25,355,248.2
25,800,077.2
26,244,906.1
26,689,735.0
27,134,563.9
27,579,392.8
28,024,221.7
28,469,050.7

JANGKA WAKTU (BLN)

24
36
48
2,371,224.0
1,690,724.7
1,372,602.5
2,608,346.4
1,859,797.2
1,509,862.7
2,845,468.8
2,028,869.6
1,647,123.0
3,082,591.2
2,197,942.1
1,784,383.2
3,319,713.6
2,367,014.6
1,921,643.5
3,556,836.0
2,536,087.0
2,058,903.7
3,793,958.5
2,705,159.5
2,196,164.0
4,031,080.9
2,874,232.0
2,333,424.2
4,268,203.3
3,043,304.4
2,470,684.5
4,505,325.7
3,212,376.9
2,607,944.7
4,742,448.1
3,381,449.4
2,745,205.0
4,979,570.5
3,550,521.8
2,882,465.2
5,216,692.9
3,719,594.3
3,019,725.5
5,453,815.3
3,888,666.8
3,156,985.7
5,690,937.7
4,057,739.2
3,294,245.9
5,928,060.1
4,226,811.7
3,431,506.2
6,165,182.5
4,395,884.2
3,568,766.4
6,402,304.9
4,564,956.6
3,706,026.7
6,639,427.3
4,734,029.1
3,843,286.9
6,876,549.7
4,903,101.6
3,980,547.2
7,113,672.1
5,072,174.0
4,117,807.4
7,350,794.5
5,241,246.5
4,255,067.7
7,587,916.9
5,410,319.0
4,392,327.9
7,825,039.3
5,579,391.5
4,529,588.2
8,062,161.7
5,748,463.9
4,666,848.4
8,299,284.1
5,917,536.4
4,804,108.7
8,536,406.5
6,086,608.9
4,941,368.9
8,773,528.9
6,255,681.3
5,078,629.2
9,010,651.3
6,424,753.8
5,215,889.4
9,247,773.7
6,593,826.3
5,353,149.7
9,484,896.1
6,762,898.7
5,490,409.9
9,722,018.5
6,931,971.2
5,627,670.2
9,959,140.9
7,101,043.7
5,764,930.4
10,196,263.3
7,270,116.1
5,902,190.7
10,433,385.7
7,439,188.6
6,039,450.9
10,670,508.1
7,608,261.1
6,176,711.1
10,907,630.6
7,777,333.5
6,313,971.4
11,144,753.0
7,946,406.0
6,451,231.6
11,381,875.4
8,115,478.5
6,588,491.9
11,618,997.8
8,284,550.9
6,725,752.1
11,856,120.2
8,453,623.4
6,863,012.4
12,093,242.6
8,622,695.9
7,000,272.6
12,330,365.0
8,791,768.4
7,137,532.9
12,567,487.4
8,960,840.8
7,274,793.1
12,804,609.8
9,129,913.3
7,412,053.4
13,041,732.2
9,298,985.8
7,549,313.6
13,278,854.6
9,468,058.2
7,686,573.9
13,515,977.0
9,637,130.7
7,823,834.1
13,753,099.4
9,806,203.2
7,961,094.4
13,990,221.8
9,975,275.6
8,098,354.6
14,227,344.2
10,144,348.1
8,235,614.9
14,464,466.6
10,313,420.6
8,372,875.1
14,701,589.0
10,482,493.0
8,510,135.4
14,938,711.4
10,651,565.5
8,647,395.6
15,175,833.8
10,820,638.0
8,784,655.9

PT. Bank Syariah Mandiri

Kantor Cabang Pembantu Darussalam
Jl. T. Nyak Arief No. 376 Darussalam - Banda Aceh
Telp. (0651) 7551743, 7551744
CP. Ayi Puspita Handayani (085260617777)

60
1,222,554.5
1,344,809.9
1,467,065.4
1,589,320.8
1,711,576.3
1,833,831.7
1,956,087.2
2,078,342.6
2,200,598.1
2,322,853.5
2,445,109.0
2,567,364.4
2,689,619.9
2,811,875.3
2,934,130.8
3,056,386.2
3,178,641.7
3,300,897.1
3,423,152.6
3,545,408.0
3,667,663.5
3,789,918.9
3,912,174.4
4,034,429.8
4,156,685.3
4,278,940.7
4,401,196.2
4,523,451.6
4,645,707.1
4,767,962.5
4,890,218.0
5,012,473.4
5,134,728.9
5,256,984.3
5,379,239.8
5,501,495.2
5,623,750.7
5,746,006.1
5,868,261.6
5,990,517.0
6,112,772.5
6,235,027.9
6,357,283.4
6,479,538.8
6,601,794.2
6,724,049.7
6,846,305.1
6,968,560.6
7,090,816.0
7,213,071.5
7,335,326.9
7,457,582.4
7,579,837.8
7,702,093.3
7,824,348.7

PEMBIAYAAN PERALATAN KEDOKTERAN

NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57

POKOK
PEMBIAYAAN
50,000,000.00
55,000,000.00
60,000,000.00
65,000,000.00
70,000,000.00
75,000,000.00
80,000,000.00
85,000,000.00
90,000,000.00
95,000,000.00
100,000,000.00
105,000,000.00
110,000,000.00
115,000,000.00
120,000,000.00
125,000,000.00
130,000,000.00
135,000,000.00
140,000,000.00
145,000,000.00
150,000,000.00
155,000,000.00
160,000,000.00
165,000,000.00
170,000,000.00
175,000,000.00
180,000,000.00
185,000,000.00
190,000,000.00
195,000,000.00
200,000,000.00
205,000,000.00
210,000,000.00
215,000,000.00
220,000,000.00
225,000,000.00
230,000,000.00
235,000,000.00
240,000,000.00
245,000,000.00
250,000,000.00
255,000,000.00
260,000,000.00
265,000,000.00
270,000,000.00
275,000,000.00
280,000,000.00
285,000,000.00
290,000,000.00
295,000,000.00
300,000,000.00
305,000,000.00
310,000,000.00
315,000,000.00
320,000,000.00
325,000,000.00
330,000,000.00

12
4,501,127.3
4,951,240.0
5,401,352.8
5,851,465.5
6,301,578.2
6,751,691.0
7,201,803.7
7,651,916.4
8,102,029.1
8,552,141.9
9,002,254.6
9,452,367.3
9,902,480.1
10,352,592.8
10,802,705.5
11,252,818.3
11,702,931.0
12,153,043.7
12,603,156.4
13,053,269.2
13,503,381.9
13,953,494.6
14,403,607.4
14,853,720.1
15,303,832.8
15,753,945.6
16,204,058.3
16,654,171.0
17,104,283.7
17,554,396.5
18,004,509.2
18,454,621.9
18,904,734.7
19,354,847.4
19,804,960.1
20,255,072.9
20,705,185.6
21,155,298.3
21,605,411.0
22,055,523.8
22,505,636.5
22,955,749.2
23,405,862.0
23,855,974.7
24,306,087.4
24,756,200.2
25,206,312.9
25,656,425.6
26,106,538.3
26,556,651.1
27,006,763.8
27,456,876.5
27,906,989.3
28,357,102.0
28,807,214.7
29,257,327.5
29,707,440.2

JANGKA WAKTU (BLN)

24
36
48
2,424,332.4
1,733,266.4
1,417,014.0
2,666,765.6
1,906,593.1
1,558,715.4
2,909,198.9
2,079,919.7
1,700,416.8
3,151,632.1
2,253,246.4
1,842,118.3
3,394,065.4
2,426,573.0
1,983,819.7
3,636,498.6
2,599,899.6
2,125,521.1
3,878,931.8
2,773,226.3
2,267,222.5
4,121,365.1
2,946,552.9
2,408,923.9
4,363,798.3
3,119,879.6
2,550,625.3
4,606,231.6
3,293,206.2
2,692,326.7
4,848,664.8
3,466,532.9
2,834,028.1
5,091,098.0
3,639,859.5
2,975,729.5
5,333,531.3
3,813,186.1
3,117,430.9
5,575,964.5
3,986,512.8
3,259,132.3
5,818,397.8
4,159,839.4
3,400,833.7
6,060,831.0
4,333,166.1
3,542,535.1
6,303,264.2
4,506,492.7
3,684,236.5
6,545,697.5
4,679,819.3
3,825,937.9
6,788,130.7
4,853,146.0
3,967,639.3
7,030,564.0
5,026,472.6
4,109,340.7
7,272,997.2
5,199,799.3
4,251,042.1
7,515,430.4
5,373,125.9
4,392,743.5
7,757,863.7
5,546,452.6
4,534,444.9
8,000,296.9
5,719,779.2
4,676,146.3
8,242,730.2
5,893,105.8
4,817,847.7
8,485,163.4
6,066,432.5
4,959,549.1
8,727,596.6
6,239,759.1
5,101,250.5
8,970,029.9
6,413,085.8
5,242,951.9
9,212,463.1
6,586,412.4
5,384,653.4
9,454,896.4
6,759,739.1
5,526,354.8
9,697,329.6
6,933,065.7
5,668,056.2
9,939,762.8
7,106,392.3
5,809,757.6
10,182,196.1
7,279,719.0
5,951,459.0
10,424,629.3
7,453,045.6
6,093,160.4
10,667,062.6
7,626,372.3
6,234,861.8
10,909,495.8
7,799,698.9
6,376,563.2
11,151,929.1
7,973,025.6
6,518,264.6
11,394,362.3
8,146,352.2
6,659,966.0
11,636,795.5
8,319,678.8
6,801,667.4
11,879,228.8
8,493,005.5
6,943,368.8
12,121,662.0
8,666,332.1
7,085,070.2
12,364,095.3
8,839,658.8
7,226,771.6
12,606,528.5
9,012,985.4
7,368,473.0
12,848,961.7
9,186,312.1
7,510,174.4
13,091,395.0
9,359,638.7
7,651,875.8
13,333,828.2
9,532,965.3
7,793,577.2
13,576,261.5
9,706,292.0
7,935,278.6
13,818,694.7
9,879,618.6
8,076,980.0
14,061,127.9
10,052,945.3
8,218,681.4
14,303,561.2
10,226,271.9
8,360,382.8
14,545,994.4
10,399,598.6
8,502,084.2
14,788,427.7
10,572,925.2
8,643,785.6
15,030,860.9
10,746,251.8
8,785,487.0
15,273,294.1
10,919,578.5
8,927,188.5
15,515,727.4
11,092,905.1
9,068,889.9
15,758,160.6
11,266,231.8
9,210,591.3
16,000,593.9
11,439,558.4
9,352,292.7

Contact Person:
Ayi Puspita Handayani (085260617777)

60
1,269,671.4
1,396,638.5
1,523,605.6
1,650,572.8
1,777,539.9
1,904,507.1
2,031,474.2
2,158,441.3
2,285,408.5
2,412,375.6
2,539,342.7
2,666,309.9
2,793,277.0
2,920,244.2
3,047,211.3
3,174,178.4
3,301,145.6
3,428,112.7
3,555,079.8
3,682,047.0
3,809,014.1
3,935,981.3
4,062,948.4
4,189,915.5
4,316,882.7
4,443,849.8
4,570,816.9
4,697,784.1
4,824,751.2
4,951,718.3
5,078,685.5
5,205,652.6
5,332,619.8
5,459,586.9
5,586,554.0
5,713,521.2
5,840,488.3
5,967,455.4
6,094,422.6
6,221,389.7
6,348,356.9
6,475,324.0
6,602,291.1
6,729,258.3
6,856,225.4
6,983,192.5
7,110,159.7
7,237,126.8
7,364,094.0
7,491,061.1
7,618,028.2
7,744,995.4
7,871,962.5
7,998,929.6
8,125,896.8
8,252,863.9
8,379,831.1

Pokok Pembiayaan :
Jangka Waktu % Margin
Total Margin
Thn Bln
Effektif
1
12
15.00% Rp
8,309,974.81
2
24
15.00% Rp
16,367,955.31
3
36
15.00% Rp
24,795,182.62
4
48
15.00% Rp
33,587,591.68
5
60
15.00% Rp
42,739,580.52

Rp
Angsuran/bulan

Total Kewajiban
Rp
Rp
Rp
Rp
Rp

108,309,974.81
116,367,955.31
124,795,182.62
133,587,591.68
142,739,580.52

100,000,000.00

Rp
Rp
Rp
Rp
Rp

9,025,831.23
4,848,664.80
3,466,532.85
2,783,074.83
2,378,993.01

Margin
Ekiv % Flat
8.31%
8.18%
8.27%
8.40%
8.55%

Rp
Rp
Rp
Rp
Rp

Minimum Gaji
22,564,578.09
12,121,662.01
8,666,332.13
6,957,687.07
5,947,482.52

Pokok Pembiayaan :
Jk Waktu
Thn
Bln
1
12
2
24

Rp

% Margin
Effektif
37.77%
21.60%

Total Margin
Rp
Rp

4,324,000.00
4,806,800.81

Angsuran/bulan

Total Kewajiban
Rp
Rp

24,324,000.00
24,806,800.81

20,000,000.00

Rp
Rp

2,027,000.00
1,033,616.70

Margin
Ekiv %
Flat
21.62%
12.02%

Minimum Gaji
Rp
Rp

5,067,500.00
2,584,041.75

Pokok Pembiayaan :
Jangka Waktu % Margin
Effektif
Thn Bln
1
2
3
4
5

12
24
36
48
120

10.00%
10.00%
10.00%
10.00%
10.00%

Rp
Total Margin

Rp
Rp
Rp
Rp
Rp

Angsuran/bulan

Total Kewajiban

5,499,064.68
10,747,823.21
16,161,873.90
21,740,400.49
58,580,884.26

Rp
Rp
Rp
Rp
Rp

105,499,064.68
110,747,823.21
116,161,873.90
121,740,400.49
158,580,884.26

100,000,000.00

Rp
Rp
Rp
Rp
Rp

8,791,588.72
4,614,492.63
3,226,718.72
2,536,258.34
1,321,507.37

Biaya PPR
Administrasi
Asuransi Jiwa
Asuransi Kebakaran
APHT Notariil
Materai

Nilai
1% dari pokok pembiayaan
Bergantung Usia Nasabah & Jangka Waktu Fasilitas
0,058% dari harga bangunan
Bergantung harga transaksi
10 materai @ Rp. 6,000,Jumlah

No
1
2
3
4
5

Biaya PPM
Administrasi
Asuransi Jiwa
Asuransi All Risk
FEO Notariil
Materai

Nilai
1% dari pokok pembiayaan
Bergantung Usia Nasabah & Jangka Waktu Fasilitas
1,625% dari harga pasar kendaraan
Bergantung wilayah jaminan
10 materai @ Rp. 6,000,Jumlah

No
1
2
3
4

Transaksi Jual - Beli Rumah

Pajak Penjual
Pajak Pembeli
Akta Jual Beli (AJB)
Balik Nama

No
1
2
3
4
5

Margin
Ekiv % Flat
5.50%
5.37%
5.39%
5.44%
11.72%

Minimum Gaji
Rp
Rp
Rp
Rp
Rp

21,978,971.81
11,536,231.58
8,066,796.80
6,340,645.86
3,303,768.42

Rp

1,000,000.00

Rp
Rp

60,000.00
1,060,000.00

Rp

1,000,000.00

Rp
Rp

60,000.00
1,060,000.00

Rp

Nilai
5% dari NJOP
5% dari NJOP-NPOP
1% dari NJOP
tarif notaris
Jumlah

Pokok Pembiayaan :
Jangka Waktu % Margin
Effektif
Thn Bln
1
2
3
4
5

12
24
36
48
60

13.50%
13.55%
14.05%
14.55%
16.55%

Rp
Total Margin

Rp
Rp
Rp
Rp
Rp

Angsuran/bulan

Total Kewajiban

1,865,608.23
3,680,342.57
5,781,727.39
8,123,807.72
11,916,882.65

Rp
Rp
Rp
Rp
Rp

26,865,608.23
28,680,342.57
30,781,727.39
33,123,807.72
36,916,882.65

25,000,000.00

Rp
Rp
Rp
Rp
Rp

2,238,800.69
1,195,014.27
855,047.98
690,079.33
615,281.38

Biaya PPR
Administrasi
Asuransi Jiwa
Asuransi Kebakaran
APHT Notariil
Materai

Nilai
1% dari pokok pembiayaan
Bergantung Usia Nasabah & Jangka Waktu Fasilitas
0,058% dari harga bangunan
Bergantung harga transaksi
10 materai @ Rp. 6,000,Jumlah

No
1
2
3
4
5

Biaya PPM
Administrasi
Asuransi Jiwa
Asuransi All Risk
FEO Notariil
Materai

Nilai
1% dari pokok pembiayaan
Bergantung Usia Nasabah & Jangka Waktu Fasilitas
1,625% dari harga pasar kendaraan
Bergantung wilayah jaminan
10 materai @ Rp. 6,000,Jumlah

No
1
2
3
4

Transaksi Jual - Beli Rumah

Pajak Penjual
Pajak Pembeli
Akta Jual Beli (AJB)
Balik Nama

No
1
2
3
4
5

Margin
Ekiv % Flat
7.46%
7.36%
7.71%
8.12%
9.53%

Minimum Gaji
Rp
Rp
Rp
Rp
Rp

5,597,001.71
2,987,535.68
2,137,619.96
1,725,198.32
1,538,203.44

Rp

250,000.00

Rp
Rp

60,000.00
310,000.00

Rp

250,000.00

Rp
Rp

60,000.00
310,000.00

Rp

Nilai
5% dari NJOP
5% dari NJOP-NPOP
1% dari NJOP
tarif notaris
Jumlah

Pokok Pembiayaan :
Jk Waktu
Thn
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
No
1
2
3
4
5

No
1
2
3
4

Bln
12
24
36
48
60
72
84
96
108
120
132
144
156
168
180

% Margin
Effektif
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%

Rp
Total Margin

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

Biaya PPR
Administrasi
Asuransi Jiwa
Asuransi Kebakaran
APHT Notariil
Materai

Transaksi Jual - Beli Rumah

Pajak Penjual
Pajak Pembeli
Akta Jual Beli (AJB)
Balik Nama

HARGA
BSM (70%)
Self Financing (30%)

Angsuran/bulan

Total Kewajiban

1,639,857.82
3,184,732.30
4,759,487.41
6,364,069.72
7,998,404.59
9,662,396.42
11,355,928.83
13,078,865.01
14,831,048.01
16,612,301.16
18,422,428.54
20,261,215.38
22,128,428.66
24,023,817.66
25,947,114.52

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

51,639,857.82
53,184,732.30
54,759,487.41
56,364,069.72
57,998,404.59
59,662,396.42
61,355,928.83
63,078,865.01
64,831,048.01
66,612,301.16
68,422,428.54
70,261,215.38
72,128,428.66
74,023,817.66
75,947,114.52

50,000,000.00

Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

4,303,321.49
2,216,030.51
1,521,096.87
1,174,251.45
966,640.08
828,644.39
730,427.72
657,071.51
600,287.48
555,102.51
518,351.73
487,925.11
462,361.72
440,617.96
421,928.41

Nilai
1% dari pokok pembiayaan
Bergantung Usia Nasabah & Jangka Waktu Fasilitas
0.299 % dari harga bangunan / tahun
Bergantung harga transaksi
10 materai @ Rp. 6,000,Jumlah

Margin
Ekiv % Flat
3.28%
3.18%
3.17%
3.18%
3.20%
3.22%
3.24%
3.27%
3.30%
3.32%
3.35%
3.38%
3.40%
3.43%
3.46%

Minimum Gaji
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp
Rp

10,758,303.71
5,540,076.28
3,802,742.18
2,935,628.63
2,416,600.19
2,071,610.99
1,826,069.31
1,642,678.78
1,500,718.70
1,387,756.27
1,295,879.33
1,219,812.77
1,155,904.31
1,101,544.91
1,054,821.04

Rp

500,000.00

Rp
Rp

60,000.00
560,000.00

Rp

Nilai
5% dari NJOP
5% dari NJOP-NPOPTKP
1% dari NJOP
tarif notaris
Jumlah

Rp
Rp
Rp

425,000,000.00
297,500,000.00
127,500,000.00

NO

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51

POKOK
PEMBIAYAAN
Margin Effektif
Ekivalen Flat
50,000,000.00
55,000,000.00
60,000,000.00
65,000,000.00
70,000,000.00
75,000,000.00
80,000,000.00
85,000,000.00
90,000,000.00
95,000,000.00
100,000,000.00
105,000,000.00
110,000,000.00
115,000,000.00
120,000,000.00
125,000,000.00
130,000,000.00
135,000,000.00
140,000,000.00
145,000,000.00
150,000,000.00
155,000,000.00
160,000,000.00
165,000,000.00
170,000,000.00
175,000,000.00
180,000,000.00
185,000,000.00
190,000,000.00
195,000,000.00
200,000,000.00
205,000,000.00
210,000,000.00
215,000,000.00
220,000,000.00
225,000,000.00
230,000,000.00
235,000,000.00
240,000,000.00
245,000,000.00
250,000,000.00
255,000,000.00
260,000,000.00
265,000,000.00
270,000,000.00
275,000,000.00
280,000,000.00
285,000,000.00
290,000,000.00
295,000,000.00
300,000,000.00

12
14.00%
7.74%
4,489,355.9
4,938,291.5
5,387,227.1
5,836,162.6
6,285,098.2
6,734,033.8
7,182,969.4
7,631,905.0
8,080,840.6
8,529,776.2
8,978,711.8
9,427,647.3
9,876,582.9
10,325,518.5
10,774,454.1
11,223,389.7
11,672,325.3
12,121,260.9
12,570,196.5
13,019,132.1
13,468,067.6
13,917,003.2
14,365,938.8
14,814,874.4
15,263,810.0
15,712,745.6
16,161,681.2
16,610,616.8
17,059,552.3
17,508,487.9
17,957,423.5
18,406,359.1
18,855,294.7
19,304,230.3
19,753,165.9
20,202,101.5
20,651,037.1
21,099,972.6
21,548,908.2
21,997,843.8
22,446,779.4
22,895,715.0
23,344,650.6
23,793,586.2
24,242,521.8
24,691,457.3
25,140,392.9
25,589,328.5
26,038,264.1
26,487,199.7
26,936,135.3

JANGKA WAKTU (BLN)

24
36
48
14.50%
15.00%
16.00%
7.90%
8.27%
9.01%
2,412,471.4
1,733,266.4
1,417,014.0
2,653,718.5
1,906,593.1
1,558,715.4
2,894,965.7
2,079,919.7
1,700,416.8
3,136,212.8
2,253,246.4
1,842,118.3
3,377,460.0
2,426,573.0
1,983,819.7
3,618,707.1
2,599,899.6
2,125,521.1
3,859,954.2
2,773,226.3
2,267,222.5
4,101,201.4
2,946,552.9
2,408,923.9
4,342,448.5
3,119,879.6
2,550,625.3
4,583,695.7
3,293,206.2
2,692,326.7
4,824,942.8
3,466,532.9
2,834,028.1
5,066,189.9
3,639,859.5
2,975,729.5
5,307,437.1
3,813,186.1
3,117,430.9
5,548,684.2
3,986,512.8
3,259,132.3
5,789,931.4
4,159,839.4
3,400,833.7
6,031,178.5
4,333,166.1
3,542,535.1
6,272,425.6
4,506,492.7
3,684,236.5
6,513,672.8
4,679,819.3
3,825,937.9
6,754,919.9
4,853,146.0
3,967,639.3
6,996,167.1
5,026,472.6
4,109,340.7
7,237,414.2
5,199,799.3
4,251,042.1
7,478,661.3
5,373,125.9
4,392,743.5
7,719,908.5
5,546,452.6
4,534,444.9
7,961,155.6
5,719,779.2
4,676,146.3
8,202,402.8
5,893,105.8
4,817,847.7
8,443,649.9
6,066,432.5
4,959,549.1
8,684,897.0
6,239,759.1
5,101,250.5
8,926,144.2
6,413,085.8
5,242,951.9
9,167,391.3
6,586,412.4
5,384,653.4
9,408,638.5
6,759,739.1
5,526,354.8
9,649,885.6
6,933,065.7
5,668,056.2
9,891,132.7
7,106,392.3
5,809,757.6
10,132,379.9
7,279,719.0
5,951,459.0
10,373,627.0
7,453,045.6
6,093,160.4
10,614,874.2
7,626,372.3
6,234,861.8
10,856,121.3
7,799,698.9
6,376,563.2
11,097,368.4
7,973,025.6
6,518,264.6
11,338,615.6
8,146,352.2
6,659,966.0
11,579,862.7
8,319,678.8
6,801,667.4
11,821,109.9
8,493,005.5
6,943,368.8
12,062,357.0
8,666,332.1
7,085,070.2
12,303,604.2
8,839,658.8
7,226,771.6
12,544,851.3
9,012,985.4
7,368,473.0
12,786,098.4
9,186,312.1
7,510,174.4
13,027,345.6
9,359,638.7
7,651,875.8
13,268,592.7
9,532,965.3
7,793,577.2
13,509,839.9
9,706,292.0
7,935,278.6
13,751,087.0
9,879,618.6
8,076,980.0
13,992,334.1 10,052,945.3
8,218,681.4
14,233,581.3 10,226,271.9
8,360,382.8
14,474,828.4 10,399,598.6
8,502,084.2

60
18.00%
10.47%
1,269,671.4
1,396,638.5
1,523,605.6
1,650,572.8
1,777,539.9
1,904,507.1
2,031,474.2
2,158,441.3
2,285,408.5
2,412,375.6
2,539,342.7
2,666,309.9
2,793,277.0
2,920,244.2
3,047,211.3
3,174,178.4
3,301,145.6
3,428,112.7
3,555,079.8
3,682,047.0
3,809,014.1
3,935,981.3
4,062,948.4
4,189,915.5
4,316,882.7
4,443,849.8
4,570,816.9
4,697,784.1
4,824,751.2
4,951,718.3
5,078,685.5
5,205,652.6
5,332,619.8
5,459,586.9
5,586,554.0
5,713,521.2
5,840,488.3
5,967,455.4
6,094,422.6
6,221,389.7
6,348,356.9
6,475,324.0
6,602,291.1
6,729,258.3
6,856,225.4
6,983,192.5
7,110,159.7
7,237,126.8
7,364,094.0
7,491,061.1
7,618,028.2