Perhitungan OJK Maret 2014

Konversi Bunga_2
Yang boleh diubah hanya :

ADDM
14
15.50%
15.60%
15.70%
15.80%
15.90%
16.00%
16.10%
16.20%
16.30%
16.40%
16.50%
16.60%
16.70%
16.80%
16.90%
17.00%
17.10%
17.20%
17.30%
17.40%
17.50%
17.60%
17.70%
17.80%
17.90%
18.00%
18.10%
18.20%
18.30%
18.40%
18.50%
18.60%
18.70%
18.80%
18.90%
19.00%
19.10%
19.20%
19.30%
19.40%
19.50%
19.60%
6
6.47
6.51
6.56
6.60
6.64
6.68
6.72
6.76
6.81
6.85
6.89
6.93
6.97
7.02
7.06
7.10
7.14
7.18
7.22
7.27
7.31
7.35
7.39
7.43
7.48
7.52
7.56
7.60
7.64
7.68
7.73
7.77
7.81
7.85
7.89
7.94
7.98
8.02
8.06
8.10
8.15
8.19
12
7.21
7.26
7.30
7.35
7.40
7.44
7.49
7.54
7.59
7.63
7.68
7.73
7.78
7.82
7.87
7.92
7.96
8.01
8.06
8.11
8.15
8.20
8.25
8.30
8.34
8.39
8.44
8.48
8.53
8.58
8.63
8.67
8.72
8.77
8.82
8.86
8.91
8.96
9.01
9.05
9.10
9.15
18
7.52
7.57
7.62
7.67
7.72
7.77
7.82
7.87
7.92
7.97
8.02
8.07
8.12
8.17
8.22
8.27
8.32
8.37
8.42
8.47
8.52
8.57
8.62
8.67
8.72
8.77
8.82
8.87
8.92
8.97
9.02
9.07
9.12
9.17
9.22
9.27
9.32
9.37
9.42
9.47
9.52
9.57
24
7.72
7.78
7.83
7.88
7.93
7.98
8.03
8.09
8.14
8.19
8.24
8.29
8.35
8.40
8.45
8.50
8.55
8.61
8.66
8.71
8.76
8.81
8.87
8.92
8.97
9.02
9.08
9.13
9.18
9.23
9.29
9.34
9.39
9.44
9.50
9.55
9.60
9.65
9.71
9.76
9.81
9.86
TENOR
30
36
7.89 8.03
7.94 8.08
7.99 8.14
8.05 8.19
8.10 8.24
8.15 8.30
8.21 8.36
8.26 8.41
8.31 8.47
8.37 8.52
8.42 8.58
8.47 8.63
8.53 8.69
8.58 8.74
8.64 8.80
8.69 8.85
8.74 8.91
8.80 8.96
8.85 9.02
8.90 9.07
8.96 9.13
9.01 9.19
9.07 9.24
9.12 9.30
9.17 9.35
9.23 9.41
9.28 9.46
9.34 9.52
9.39 9.58
9.45 9.63
9.50 9.69
9.55 9.74
9.61 9.80
9.66 9.86
9.72 9.91
9.77 9.97
9.83 10.02
9.88 10.08
9.93 10.14
9.99 10.19
10.04 10.25
10.10 10.31
Page 1
42
8.15
8.21
8.27
8.32
8.38
8.43
8.49
8.55
8.60
8.66
8.72
8.77
8.83
8.89
8.94
9.00
9.06
9.12
9.17
9.23
9.29
9.34
9.40
9.46
9.52
9.57
9.63
9.69
9.75
9.80
9.86
9.92
9.98
10.03
10.09
10.15
10.21
10.27
10.32
10.38
10.44
10.50
48
8.27
8.33
8.39
8.45
8.50
8.56
8.62
8.68
8.73
8.79
8.85
8.91
8.97
9.03
9.08
9.14
9.20
9.26
9.32
9.38
9.44
9.49
9.55
9.61
9.67
9.73
9.79
9.85
9.91
9.97
10.02
10.08
10.14
10.20
10.26
10.32
10.38
10.44
10.50
10.56
10.62
10.68
54
8.39
8.44
8.50
8.56
8.62
8.68
8.74
8.80
8.86
8.92
8.98
9.04
9.10
9.16
9.22
9.28
9.34
9.40
9.46
9.52
9.58
9.64
9.70
9.76
9.82
9.88
9.94
10.00
10.06
10.12
10.18
10.24
10.30
10.36
10.42
10.48
10.55
10.61
10.67
10.73
10.79
10.85
60
8.50
8.56
8.62
8.68
8.74
8.80
8.86
8.92
8.98
9.04
9.10
9.16
9.22
9.28
9.35
9.41
9.47
9.53
9.59
9.65
9.71
9.77
9.84
9.90
9.96
10.02
10.08
10.15
10.21
10.27
10.33
10.39
10.46
10.52
10.58
10.64
10.71
10.77
10.83
10.89
10.96
11.02
Konversi Bunga_2
19.70%
19.80%
19.90%
20.00%
20.10%
20.20%
20.30%
8.23
8.27
8.31
8.35
8.40
8.44
8.48
9.20
9.24
9.29
9.34
9.39
9.43
9.48
9.62
9.67
9.72
9.78
9.83
9.88
9.93
9.92
9.97
10.02
10.07
10.13
10.18
10.23
10.15
10.21
10.26
10.32
10.37
10.43
10.48
10.36
10.42
10.48
10.53
10.59
10.65
10.70
Page 2
10.56
10.61
10.67
10.73
10.79
10.85
10.91
10.74
10.80
10.86
10.92
10.98
11.04
11.10
10.91
10.97
11.04
11.10
11.16
11.22
11.28
11.08
11.15
11.21
11.27
11.33
11.40
11.46
Konversi Bunga_2
ADDB
EFF
15.50%
15.60%
15.70%
15.80%
15.90%
16.00%
16.10%
16.20%
16.30%
16.40%
16.50%
16.60%
16.70%
16.80%
16.90%
17.00%
17.10%
17.20%
17.30%
17.40%
17.50%
17.60%
17.70%
17.80%
17.90%
18.00%
18.10%
18.20%
18.30%
18.40%
18.50%
18.60%
18.70%
18.80%
18.90%
19.00%
19.10%
19.20%
19.30%
19.40%
19.50%
19.60%
6
9.14
9.20
9.26
9.32
9.38
9.44
9.50
9.56
9.62
9.67
9.73
9.79
9.85
9.91
9.97
10.03
10.09
10.15
10.21
10.27
10.33
10.39
10.45
10.51
10.57
10.63
10.69
10.75
10.81
10.87
10.93
10.99
11.05
11.11
11.17
11.23
11.29
11.35
11.41
11.47
11.53
11.59
12
8.59
8.65
8.71
8.76
8.82
8.88
8.93
8.99
9.05
9.10
9.16
9.22
9.27
9.33
9.39
9.45
9.50
9.56
9.62
9.67
9.73
9.79
9.84
9.90
9.96
10.02
10.07
10.13
10.19
10.24
10.30
10.36
10.42
10.47
10.53
10.59
10.65
10.70
10.76
10.82
10.87
10.93
18
8.48
8.53
8.59
8.65
8.70
8.76
8.82
8.87
8.93
8.99
9.04
9.10
9.16
9.22
9.27
9.33
9.39
9.44
9.50
9.56
9.61
9.67
9.73
9.79
9.84
9.90
9.96
10.01
10.07
10.13
10.19
10.24
10.30
10.36
10.42
10.47
10.53
10.59
10.65
10.70
10.76
10.82
24
8.47
8.53
8.58
8.64
8.70
8.76
8.81
8.87
8.93
8.99
9.04
9.10
9.16
9.22
9.27
9.33
9.39
9.45
9.50
9.56
9.62
9.68
9.74
9.79
9.85
9.91
9.97
10.02
10.08
10.14
10.20
10.26
10.32
10.37
10.43
10.49
10.55
10.61
10.67
10.72
10.78
10.84
TENOR
30
36
8.50 8.56
8.56 8.62
8.62 8.68
8.68 8.74
8.74 8.80
8.79 8.86
8.85 8.91
8.91 8.97
8.97 9.03
9.03 9.09
9.09 9.15
9.14 9.21
9.20 9.27
9.26 9.33
9.32 9.39
9.38 9.45
9.44 9.51
9.50 9.57
9.55 9.63
9.61 9.69
9.67 9.75
9.73 9.81
9.79 9.87
9.85 9.93
9.91 9.99
9.97 10.05
10.03 10.11
10.09 10.17
10.14 10.23
10.20 10.29
10.26 10.35
10.32 10.41
10.38 10.47
10.44 10.53
10.50 10.59
10.56 10.65
10.62 10.71
10.68 10.78
10.74 10.84
10.80 10.90
10.86 10.96
10.92 11.02
Page 3
42
8.63
8.69
8.75
8.81
8.87
8.93
8.99
9.05
9.11
9.17
9.23
9.29
9.35
9.41
9.47
9.53
9.59
9.66
9.72
9.78
9.84
9.90
9.96
10.02
10.08
10.15
10.21
10.27
10.33
10.39
10.45
10.52
10.58
10.64
10.70
10.76
10.82
10.89
10.95
11.01
11.07
11.14
48
8.70
8.76
8.82
8.89
8.95
9.01
9.07
9.13
9.19
9.25
9.32
9.38
9.44
9.50
9.56
9.63
9.69
9.75
9.81
9.87
9.94
10.00
10.06
10.12
10.19
10.25
10.31
10.38
10.44
10.50
10.56
10.63
10.69
10.75
10.82
10.88
10.94
11.01
11.07
11.13
11.20
11.26
54
8.78
8.84
8.91
8.97
9.03
9.09
9.16
9.22
9.28
9.34
9.41
9.47
9.53
9.60
9.66
9.72
9.79
9.85
9.91
9.98
10.04
10.10
10.17
10.23
10.30
10.36
10.42
10.49
10.55
10.62
10.68
10.74
10.81
10.87
10.94
11.00
11.07
11.13
11.20
11.26
11.33
11.39
60
8.86
8.93
8.99
9.05
9.12
9.18
9.25
9.31
9.37
9.44
9.50
9.57
9.63
9.69
9.76
9.82
9.89
9.95
10.02
10.08
10.15
10.21
10.28
10.34
10.41
10.47
10.54
10.60
10.67
10.73
10.80
10.87
10.93
11.00
11.06
11.13
11.19
11.26
11.33
11.39
11.46
11.53
Konversi Bunga_2
19.70%
19.80%
19.90%
20.00%
20.10%
20.20%
20.30%
11.65
11.71
11.77
11.83
11.89
11.95
12.01
10.99
11.05
11.10
11.16
11.22
11.28
11.33
10.88
10.93
10.99
11.05
11.11
11.16
11.22
10.90 10.98 11.08 11.20 11.32 11.46 11.59

10.96 11.04 11.14 11.26 11.39 11.52 11.66
11.02 11.10 11.20 11.32 11.45 11.59 11.73
11.07 11.16 11.26 11.39 11.52 11.65 11.79
11.13 11.22 11.32 11.45 11.58 11.72 11.86
11.19 11.28 11.39 11.51 11.64 11.78 11.93
11.25 11.34 11.45 11.57 11.71 11.85 11.99
Page 4
Perhitungan Angsuran
Harga On The Road
Uang Muka Murni
Pokok Hutang Murni
Premi Ass.(Masuk PH)
Extra Drive
Provisi
Administrasi
Total Pokok Hutang
Bunga
9.40000% X
Total A/R
Angsuran
2 THN
175,880,605
Rp.
20.00% Rp.
Rp.
7.7210% Rp.
0.00% Rp.
0.00% Rp.
Rp.
Rp.
Rp.
Rp.
200,500,000
40,100,000
160,400,000
15,480,605
175,880,605
66,131,107
242,011,712
Rp.
5,042,000
5 THN
Pembayaran Pertama
Uang Muka
Premi Ass.(Bayar di Muka)
Angsuran I
Asuransi Banjir + RSCC
Administrasi + Fiducia
Provisi
Lain-lain
Total Pembayaran Pertama
Discount
DP Real/Dibayarkan
PELUNASAN MUF
Rp.
0.0000% Rp.
Rp.
Rp.
Rp.
2.00% Rp.
Rp.
Rp.
Rp.
Rp.
40,100,000
5,042,000
3,515,000
3,208,000
51,865,000
51,865,000
148,635,000
Perhitungan Angsuran
Harga On The Road
Uang Muka Murni
Pokok Hutang Murni
Premi Ass.Masuk PH
Xtra Drive
Provisi
Adinitrasi
Total Pokok Hutang
Bunga
8.7019% X 4 X 180,488,605
Total A/R
Angsuran
Rp.
20.00% Rp.
Rp.
7.7210% Rp.
Rp.
2.00% Rp.
Rp.
Rp.
Rp.
Rp.
200,500,000
40,100,000
160,400,000
15,480,605
3,208,000
1,400,000
180,488,605
62,823,395
243,312,000
5,069,000
Pembayaran Pertama
Uang Muka
Premi Ass.di Muka
Angsuran I
Fidusia
Administrasi
Provisi
Lain-lain
Total Pembayaran Pertama
Rp.
0.00% Rp.
Rp.
Rp.
Rp.
0.00% Rp.
Rp.
Rp.
40,100,000
2,100,000
42,200,000
Sales Through
KKM Karyawan
KKM Nasabah
KKM Nasabah Premium
Reguler
Merk
Angsura
ADDM
ADDM
ADDB
ADDM
ADDM
DAIHATSU/TOYOTA/MITSUBISHI/SUZUKI/ISUZU
ADDM
ADDB
ADDB
ADDM
ADDB
ADDM
ADDM
ADDB
ADDM
ADDM
ADDM
ADDB
ADDB
ADDM
ADDB
MERCEDES/BMW/MINI
ADDM
ADDM
ADDM
ADDB
ADDM
ADDM
ADDM
ADDB
ADDB
ADDM
ADDB
KKM Nasabah Premium Used C

MERCEDES/BMW/MINI
ADDM
KKM Nasabah Used Car
DAIHATSU/TOYOTA/MITSUBISHI/SUZUKI/ISUADDM
Reguler Used Car
DAIHATSU/TOYOTA/MITSUBISHI/SUZUKI/ISUADDM
DP
AdministrasFidusia
25%
###
###
86, NAV,
25%
###
### TOYOTA FORTUNER,
ETIOS,
20%
###
###
25%
###
###
V, CR-Z,
HONDA MOBILIO,
20%
###
###
BRIO,
JAZZ,
25%
###
###
GRAND
VITAR
SUZUKI APV, SWIFT,
20%
###
###
20%
###
### DAIHATSU ERTIGA
XENIA, AYLA,
25%
###
### MITSUBISHOUTLANDER,
20%
###
###
STRADA
25%
###
###
86, NAV,
25%
###
20%
###
###
ETIOS,
V, CR-Z,
25%
###
###
HONDA MOBILIO,
20%
###
###
BRIO,
JAZZ,
25%
###
###
GRAND
VITAR
SUZUKI APV, SWIFT,
20%
###
###
20%
###
### DAIHATSU ERTIGA
XENIA, AYLA,
25%
###
###
OUTLANDER,
MITSUBISHI
20%
###
###
STRADA
25% ###
###
All Type
25%
###
###
86, NAV,
25%
###
20%
###
###
ETIOS,
V, CR-Z,
25%
###
###
HONDA MOBILIO,
20%
###
###
BRIO,
JAZZ,
25%
###
###
GRAND
VITAR
SUZUKI APV, SWIFT,
20%
###
###
20%
###
### DAIHATSU ERTIGA
XENIA, AYLA,
25%
###
###
OUTLANDER,
MITSUBISHI
20%
###
###
STRADA
25% ###
###
20%
### 500000
20%
### 500000
All Type
All Type
All Type
Type Asuransi
Compre
Compre
1 Tahun
Compre
Compre
Compre
1 Tahun
1 Tahun
Compre
1 Tahun
Compre
Compre
1 Tahun
Compre
Compre
Compre
1 Tahun
1 Tahun
Compre
1 Tahun
Compre
Compre
Compre
1 Tahun
Compre
Compre
Compre
1 Tahun
1 Tahun
Compre
1 Tahun
Type Asuransi
Compre, Sisa TLO
Compre, Sisa TLO

Compre, Sisa TLO
Compre, Sisa TLO
Compre, Sisa TLO
Compre, Sisa TLO

Compre, Sisa TLO
Compre, Sisa TLO
Compre, Sisa TLO
Compre, Sisa TLO

Compre, Sisa TLO
Compre, Sisa TLO
Compre
1 Tahun Compre, Sisa TLO
1 Tahun Compre, Sisa TLO
Tunai Di Depan Semua

Tahun Pertama Dibayar Di Muka
Pembayaran Sepanjang Tenor
Provisi
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
12
8.63%
8.63%
8.63%
8.63%
8.63%
8.63%
8.63%
8.63%
8.63%
8.63%
10.25%
10.25%
10.25%
10.25%
10.25%
10.25%
10.25%
10.25%
10.25%
10.25%
8.63%
11.50%
11.50%
11.50%
11.50%
11.50%
11.50%
11.50%
11.50%
11.50%
11.50%
1% 11.50%
1% 13.00%
1% 15.00%
24
9.15%
9.15%
9.15%
9.15%
9.15%
9.15%
9.15%
9.15%
9.15%
9.15%
10.64%
10.64%
10.64%
10.64%
10.64%
10.64%
10.64%
10.64%
10.64%
10.64%
9.47%
11.50%
11.50%
11.50%
11.50%
11.50%
11.50%
11.50%
11.50%
11.50%
11.50%
36
9.28%
9.28%
9.28%
9.28%
9.28%
9.28%
9.28%
9.28%
9.28%
9.28%
10.74%
10.74%
10.74%
10.74%
10.74%
10.74%
10.74%
10.74%
10.74%
10.74%
9.87%
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%
48
9.65%
9.65%
9.65%
9.65%
9.65%
9.65%
9.65%
9.65%
9.65%
9.65%
11.03%
11.03%
11.03%
11.03%
11.03%
11.03%
11.03%
11.03%
11.03%
11.03%
10.50%
12.25%
12.25%
12.25%
12.25%
12.25%
12.25%
12.25%
12.25%
12.25%
12.25%
11.80% 12.00% 12.25%

14.00% 14.50% 14.50%
15.50% 16.00% 16.50%
RATE BUNGA USED CAR

PASSANGER
ADDM
KATEGORI
HONDA, TOYOTA, MITSUBISHI,
DAIHATSU,SUZUKI MERCI,BMW, CBU
DP NET
1 THN
2 THN
3 THN
4 THN
> 25%
8.39%
9.29%
9.97%
10.62%
ADDB
KATEGORI
DP NET
1 THN
2 THN
3 THN
4 THN
> 25%
10.02%
10.20%
10.65%
11.20%
2%
> 2005
2%
> 2006
2%
>2007
2%
> 2008
PROVISI
USIA MOBIL
TENOR
1 THN
2 THN
3 THN
4 THN
Tenor
1 THN
2 THN
3 THN
4 THN
ADM
RATE ASURANSI
TLO
COMPREHENSIVE SESUAI TENOR
KOMBINASI
3,250,000 WAJIB COMP
4.00%
3,250,000
4.48%
3,250,000
4.94%
3,250,000
800 jt >
2.72%
5.03%
7.07%
9.34%
< 125jt
3.44%
6.36%
8.95%
11.36%
Informasi
126 jt 200jt
2.47%
4.57%
7.15%
9.56%
400 jt s/d 800 jt
1.71%
3,17%
5.10%
6.75%
Lebih Lanjut
Hubungi :
R I Z K Y : 087770155054
081280095232
RATE BUNGA USED CAR

PASSANGER
ADDM
KATEGORI
DP NET
1 THN
2 THN
3 THN
4 THN
> 25%
8.39%
9.29%
9.97%
10.62%
ADDB
KATEGORI
DP NET
1 THN
2 THN
3 THN
4 THN
> 25%
10.02%
10.20%
10.65%
11.20%
2%
>2005
2%
> 2006
2%
>2007
2%
> 2008
PROVISI
USIA MOBIL
TENOR
1 THN
2 THN
3 THN
4 THN
Tenor
1 THN
2 THN
3 THN
4 THN
ADM
RATE ASURANSI
TLO

4.00%
3,250,000
4.48%
3,250,000
4.94%
3,250,000
800 jt >
2.72%
5.03%
7.07%
9.34%
< 125jt
3.44%
6.36%
8.95%
11.36%
Informasi
126 jt 200jt
2.47%
4.57%
7.15%
9.56%
400 jt s/d 800 jt
1.71%
3,17%
5.10%
6.75%
Lebih Lanjut
Hubungi :
SOFYAN : 0813 19 366 995
RATE BUNGA USED CAR

PASSANGER
ADDM
KATEGORI
DP NET
1 THN
2 THN
3 THN
4 THN
> 25%
8.39%
9.29%
9.97%
10.62%
ADDB
KATEGORI
DP NET
1 THN
2 THN
3 THN
4 THN
> 25%
10.02%
10.20%
10.65%
11.20%
2%
>2005
2%
> 2006
2%
>2007
2%
> 2008
PROVISI
USIA MOBIL
TENOR
1 THN
2 THN
3 THN
4 THN
Tenor
1 THN
2 THN
3 THN
4 THN
ADM
RATE ASURANSI
TLO

4.00%
3,250,000
4.48%
3,250,000
4.94%
3,250,000
800 jt >
2.72%
5.03%
7.07%
9.34%
< 125jt
3.44%
6.36%
8.95%
11.36%
Informasi
126 jt 200jt
2.47%
4.57%
7.15%
9.56%
400 jt s/d 800 jt
Lebih Lanjut
Hubungi :
BUDI : 0813 1109 7433
1.71%
3,17%
5.10%
6.75%
Sheet1
Perhitungan Refund Dealer

Total PH
175,880,605
Total Insurance 15,480,605
Tenor
4 dalam tahun
Rate Jual (Flat)
9.40000%
RECIPIENT
OWN
BMG
SM
SPV
SCS
TOTAL
INPUT REFUND
Asuransi (%)Rate (%)Provisi (%)
23%
2.00%
1.00%
0%
0.00%
0.00%
0%
0.00%
0.00%
0%
0.00%
0.00%
0%
0.00%
0.00%
23.00%
Keterangan :
Isi kolom
Hasil perhitungan
Page 14
2.00%
1.00%
Sheet1
Asuransi
3,560,539.15
-
NILAI REFUND
Rate
10,856,827.47
-
Page 15
Provisi
1,758,806.05
-

Perhitungan OJK Maret 2014

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Konversi Bunga_2

Yang boleh diubah hanya :

10.90 10.98 11.08 11.20 11.32 11.46 11.59

KKM Nasabah Premium

KKM Nasabah Premium Used C

Compre, Sisa TLO

Compre, Sisa TLO

Compre, Sisa TLO

Compre, Sisa TLO

Tunai Di Depan Semua

11.80% 12.00% 12.25%

RATE BUNGA USED CAR

400 jt s/d 800 jt

RATE BUNGA USED CAR

3,250,000 WAJIB COMP

400 jt s/d 800 jt

RATE BUNGA USED CAR

3,250,000 WAJIB COMP

400 jt s/d 800 jt

Perhitungan Refund Dealer

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