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SIMULASI KREDIT: BUNGA EFEKTIF VS BUNGA FLAT


Note: Kolom berwarna kuning bisa diubah untuk simulasi

BUNGA EFEKTIF

Hutang 3,500,000,000 Total Bayar Err:502


Bunga 11.00% per tahun Cicilan 54,979,489.79
Periode 8 tahun Total Bunga Err:502

Tabel Cicilan Dengan Perhitungan Bunga Efektif

Bulan Pokok Bunga Total Cicilan


1 22,896,156.46 32,083,333.33 54,979,489.79
2 23,106,037.89 31,873,451.90 54,979,489.79
3 23,317,843.24 31,661,646.55 54,979,489.79
4 23,531,590.14 31,447,899.66 54,979,489.79
5 23,747,296.38 31,232,193.41 54,979,489.79
6 23,964,979.93 31,014,509.86 54,979,489.79
7 24,184,658.91 30,794,830.88 54,979,489.79
8 24,406,351.62 30,573,138.17 54,979,489.79
9 24,630,076.51 30,349,413.28 54,979,489.79
10 24,855,852.21 30,123,637.58 54,979,489.79
11 25,083,697.52 29,895,792.27 54,979,489.79
12 25,313,631.42 29,665,858.38 54,979,489.79
13 25,545,673.04 29,433,816.75 54,979,489.79
14 25,779,841.71 29,199,648.09 54,979,489.79
15 26,016,156.92 28,963,332.87 54,979,489.79
16 26,254,638.36 28,724,851.43 54,979,489.79
17 26,495,305.88 28,484,183.91 54,979,489.79
18 26,738,179.52 28,241,310.28 54,979,489.79
19 26,983,279.49 27,996,210.30 54,979,489.79
20 27,230,626.22 27,748,863.57 54,979,489.79
21 27,480,240.30 27,499,249.49 54,979,489.79
22 27,732,142.50 27,247,347.29 54,979,489.79
23 27,986,353.81 26,993,135.99 54,979,489.79
24 28,242,895.38 26,736,594.41 54,979,489.79
25 28,501,788.59 26,477,701.20 54,979,489.79
26 28,763,054.99 26,216,434.81 54,979,489.79
27 29,026,716.32 25,952,773.47 54,979,489.79
28 29,292,794.56 25,686,695.24 54,979,489.79
29 29,561,311.84 25,418,177.95 54,979,489.79
30 29,832,290.53 25,147,199.26 54,979,489.79
31 30,105,753.19 24,873,736.60 54,979,489.79
32 30,381,722.60 24,597,767.19 54,979,489.79
33 30,660,221.72 24,319,268.07 54,979,489.79
34 30,941,273.75 24,038,216.04 54,979,489.79
35 31,224,902.10 23,754,587.69 54,979,489.79
36 31,511,130.37 23,468,359.42 54,979,489.79
37 31,799,982.40 23,179,507.40 54,979,489.79
38 32,091,482.23 22,888,007.56 54,979,489.79
39 32,385,654.15 22,593,835.64 54,979,489.79
40 32,682,522.65 22,296,967.14 54,979,489.79
41 32,982,112.44 21,997,377.35 54,979,489.79
42 33,284,448.47 21,695,041.32 54,979,489.79
43 33,589,555.92 21,389,933.87 54,979,489.79
44 33,897,460.18 21,082,029.61 54,979,489.79
45 34,208,186.90 20,771,302.89 54,979,489.79
46 34,521,761.94 20,457,727.85 54,979,489.79
47 34,838,211.43 20,141,278.36 54,979,489.79
48 35,157,561.70 19,821,928.09 54,979,489.79
49 35,479,839.35 19,499,650.44 54,979,489.79
50 35,805,071.21 19,174,418.58 54,979,489.79
51 36,133,284.36 18,846,205.43 54,979,489.79
52 36,464,506.14 18,514,983.66 54,979,489.79
53 36,798,764.11 18,180,725.68 54,979,489.79
54 37,136,086.11 17,843,403.68 54,979,489.79
55 37,476,500.24 17,502,989.56 54,979,489.79
56 37,820,034.82 17,159,454.97 54,979,489.79
57 38,166,718.47 16,812,771.32 54,979,489.79
58 38,516,580.06 16,462,909.73 54,979,489.79
59 38,869,648.71 16,109,841.08 54,979,489.79
60 39,225,953.82 15,753,535.97 54,979,489.79
61 39,585,525.07 15,393,964.72 54,979,489.79
62 39,948,392.38 15,031,097.41 54,979,489.79
63 40,314,585.98 14,664,903.81 54,979,489.79
64 40,684,136.35 14,295,353.44 54,979,489.79
65 41,057,074.26 13,922,415.53 54,979,489.79
66 41,433,430.78 13,546,059.01 54,979,489.79
67 41,813,237.23 13,166,252.56 54,979,489.79
68 42,196,525.24 12,782,964.56 54,979,489.79
69 42,583,326.72 12,396,163.07 54,979,489.79
70 42,973,673.88 12,005,815.91 54,979,489.79
71 43,367,599.22 11,611,890.57 54,979,489.79
72 43,765,135.55 11,214,354.24 54,979,489.79
73 44,166,315.96 10,813,173.83 54,979,489.79
74 44,571,173.85 10,408,315.94 54,979,489.79
75 44,979,742.95 9,999,746.84 54,979,489.79
76 45,392,057.26 9,587,432.53 54,979,489.79
77 45,808,151.12 9,171,338.67 54,979,489.79
78 46,228,059.17 8,751,430.62 54,979,489.79
79 46,651,816.38 8,327,673.41 54,979,489.79
80 47,079,458.03 7,900,031.76 54,979,489.79
81 47,511,019.73 7,468,470.07 54,979,489.79
82 47,946,537.41 7,032,952.38 54,979,489.79
83 48,386,047.33 6,593,442.46 54,979,489.79
84 48,829,586.10 6,149,903.69 54,979,489.79
85 49,277,190.64 5,702,299.15 54,979,489.79
86 49,728,898.22 5,250,591.57 54,979,489.79
87 50,184,746.45 4,794,743.34 54,979,489.79
88 50,644,773.30 4,334,716.49 54,979,489.79
89 51,109,017.05 3,870,472.74 54,979,489.79
90 51,577,516.37 3,401,973.42 54,979,489.79
91 52,050,310.27 2,929,179.52 54,979,489.79
92 52,527,438.12 2,452,051.67 54,979,489.79
93 53,008,939.63 1,970,550.16 54,979,489.79
94 53,494,854.91 1,484,634.88 54,979,489.79
95 53,985,224.42 994,265.37 54,979,489.79
96 54,480,088.98 499,400.82 54,979,489.79
97 Err:502 Err:502 Err:502
98 Err:502 Err:502 Err:502
99 Err:502 Err:502 Err:502
100 Err:502 Err:502 Err:502
101 Err:502 Err:502 Err:502
102 Err:502 Err:502 Err:502
103 Err:502 Err:502 Err:502
104 Err:502 Err:502 Err:502
105 Err:502 Err:502 Err:502
106 Err:502 Err:502 Err:502
107 Err:502 Err:502 Err:502
108 Err:502 Err:502 Err:502
109 Err:502 Err:502 Err:502
110 Err:502 Err:502 Err:502
111 Err:502 Err:502 Err:502
112 Err:502 Err:502 Err:502
113 Err:502 Err:502 Err:502
114 Err:502 Err:502 Err:502
115 Err:502 Err:502 Err:502
116 Err:502 Err:502 Err:502
117 Err:502 Err:502 Err:502
118 Err:502 Err:502 Err:502
119 Err:502 Err:502 Err:502
120 Err:502 Err:502 Err:502
Total Err:502 Err:502 Err:502
BUNGA FLAT

Hutang 400,000,000 Total Bayar 1,313,646,662.30


Bunga 8.25% per tahun Cicilan 7,298,037.01
Periode 15 tahun Total Bunga 913,646,662.30

Tabel Cicilan Dengan Perhitungan Bunga Flat

Bulan Pokok Bunga Total Cicilan


1 2,222,222.22 5,075,814.79 7,298,037.01
2 2,222,222.22 5,075,814.79 7,298,037.01
3 2,222,222.22 5,075,814.79 7,298,037.01
4 2,222,222.22 5,075,814.79 7,298,037.01
5 2,222,222.22 5,075,814.79 7,298,037.01
6 2,222,222.22 5,075,814.79 7,298,037.01
7 2,222,222.22 5,075,814.79 7,298,037.01
8 2,222,222.22 5,075,814.79 7,298,037.01
9 2,222,222.22 5,075,814.79 7,298,037.01
10 2,222,222.22 5,075,814.79 7,298,037.01
11 2,222,222.22 5,075,814.79 7,298,037.01
12 2,222,222.22 5,075,814.79 7,298,037.01
13 2,222,222.22 5,075,814.79 7,298,037.01
14 2,222,222.22 5,075,814.79 7,298,037.01
15 2,222,222.22 5,075,814.79 7,298,037.01
16 2,222,222.22 5,075,814.79 7,298,037.01
17 2,222,222.22 5,075,814.79 7,298,037.01
18 2,222,222.22 5,075,814.79 7,298,037.01
19 2,222,222.22 5,075,814.79 7,298,037.01
20 2,222,222.22 5,075,814.79 7,298,037.01
21 2,222,222.22 5,075,814.79 7,298,037.01
22 2,222,222.22 5,075,814.79 7,298,037.01
23 2,222,222.22 5,075,814.79 7,298,037.01
24 2,222,222.22 5,075,814.79 7,298,037.01
25 2,222,222.22 5,075,814.79 7,298,037.01
26 2,222,222.22 5,075,814.79 7,298,037.01
27 2,222,222.22 5,075,814.79 7,298,037.01
28 2,222,222.22 5,075,814.79 7,298,037.01
29 2,222,222.22 5,075,814.79 7,298,037.01
30 2,222,222.22 5,075,814.79 7,298,037.01
31 2,222,222.22 5,075,814.79 7,298,037.01
32 2,222,222.22 5,075,814.79 7,298,037.01
33 2,222,222.22 5,075,814.79 7,298,037.01
34 2,222,222.22 5,075,814.79 7,298,037.01
35 2,222,222.22 5,075,814.79 7,298,037.01
36 2,222,222.22 5,075,814.79 7,298,037.01
37 2,222,222.22 5,075,814.79 7,298,037.01
38 2,222,222.22 5,075,814.79 7,298,037.01
39 2,222,222.22 5,075,814.79 7,298,037.01
40 2,222,222.22 5,075,814.79 7,298,037.01
41 2,222,222.22 5,075,814.79 7,298,037.01
42 2,222,222.22 5,075,814.79 7,298,037.01
43 2,222,222.22 5,075,814.79 7,298,037.01
44 2,222,222.22 5,075,814.79 7,298,037.01
45 2,222,222.22 5,075,814.79 7,298,037.01
46 2,222,222.22 5,075,814.79 7,298,037.01
47 2,222,222.22 5,075,814.79 7,298,037.01
48 2,222,222.22 5,075,814.79 7,298,037.01
49 2,222,222.22 5,075,814.79 7,298,037.01
50 2,222,222.22 5,075,814.79 7,298,037.01
51 2,222,222.22 5,075,814.79 7,298,037.01
52 2,222,222.22 5,075,814.79 7,298,037.01
53 2,222,222.22 5,075,814.79 7,298,037.01
54 2,222,222.22 5,075,814.79 7,298,037.01
55 2,222,222.22 5,075,814.79 7,298,037.01
56 2,222,222.22 5,075,814.79 7,298,037.01
57 2,222,222.22 5,075,814.79 7,298,037.01
58 2,222,222.22 5,075,814.79 7,298,037.01
59 2,222,222.22 5,075,814.79 7,298,037.01
60 2,222,222.22 5,075,814.79 7,298,037.01
61 2,222,222.22 5,075,814.79 7,298,037.01
62 2,222,222.22 5,075,814.79 7,298,037.01
63 2,222,222.22 5,075,814.79 7,298,037.01
64 2,222,222.22 5,075,814.79 7,298,037.01
65 2,222,222.22 5,075,814.79 7,298,037.01
66 2,222,222.22 5,075,814.79 7,298,037.01
67 2,222,222.22 5,075,814.79 7,298,037.01
68 2,222,222.22 5,075,814.79 7,298,037.01
69 2,222,222.22 5,075,814.79 7,298,037.01
70 2,222,222.22 5,075,814.79 7,298,037.01
71 2,222,222.22 5,075,814.79 7,298,037.01
72 2,222,222.22 5,075,814.79 7,298,037.01
73 2,222,222.22 5,075,814.79 7,298,037.01
74 2,222,222.22 5,075,814.79 7,298,037.01
75 2,222,222.22 5,075,814.79 7,298,037.01
76 2,222,222.22 5,075,814.79 7,298,037.01
77 2,222,222.22 5,075,814.79 7,298,037.01
78 2,222,222.22 5,075,814.79 7,298,037.01
79 2,222,222.22 5,075,814.79 7,298,037.01
80 2,222,222.22 5,075,814.79 7,298,037.01
81 2,222,222.22 5,075,814.79 7,298,037.01
82 2,222,222.22 5,075,814.79 7,298,037.01
83 2,222,222.22 5,075,814.79 7,298,037.01
84 2,222,222.22 5,075,814.79 7,298,037.01
85 2,222,222.22 5,075,814.79 7,298,037.01
86 2,222,222.22 5,075,814.79 7,298,037.01
87 2,222,222.22 5,075,814.79 7,298,037.01
88 2,222,222.22 5,075,814.79 7,298,037.01
89 2,222,222.22 5,075,814.79 7,298,037.01
90 2,222,222.22 5,075,814.79 7,298,037.01
91 2,222,222.22 5,075,814.79 7,298,037.01
92 2,222,222.22 5,075,814.79 7,298,037.01
93 2,222,222.22 5,075,814.79 7,298,037.01
94 2,222,222.22 5,075,814.79 7,298,037.01
95 2,222,222.22 5,075,814.79 7,298,037.01
96 2,222,222.22 5,075,814.79 7,298,037.01
97 2,222,222.22 5,075,814.79 7,298,037.01
98 2,222,222.22 5,075,814.79 7,298,037.01
99 2,222,222.22 5,075,814.79 7,298,037.01
100 2,222,222.22 5,075,814.79 7,298,037.01
101 2,222,222.22 5,075,814.79 7,298,037.01
102 2,222,222.22 5,075,814.79 7,298,037.01
103 2,222,222.22 5,075,814.79 7,298,037.01
104 2,222,222.22 5,075,814.79 7,298,037.01
105 2,222,222.22 5,075,814.79 7,298,037.01
106 2,222,222.22 5,075,814.79 7,298,037.01
107 2,222,222.22 5,075,814.79 7,298,037.01
108 2,222,222.22 5,075,814.79 7,298,037.01
109 2,222,222.22 5,075,814.79 7,298,037.01
110 2,222,222.22 5,075,814.79 7,298,037.01
111 2,222,222.22 5,075,814.79 7,298,037.01
112 2,222,222.22 5,075,814.79 7,298,037.01
113 2,222,222.22 5,075,814.79 7,298,037.01
114 2,222,222.22 5,075,814.79 7,298,037.01
115 2,222,222.22 5,075,814.79 7,298,037.01
116 2,222,222.22 5,075,814.79 7,298,037.01
117 2,222,222.22 5,075,814.79 7,298,037.01
118 2,222,222.22 5,075,814.79 7,298,037.01
119 2,222,222.22 5,075,814.79 7,298,037.01
120 2,222,222.22 5,075,814.79 7,298,037.01
266,666,666.67 609,097,774.87 875,764,441.53

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