Contoh Simulasi Pinjaman Menurun 100 juta

No. ANGSURAN BRI MENURUN SALDO ANGSURAN FLAT BANK LAIN SALDO

POKOK BUNGA JML ANGSURAN POKOK POKOK BUNGA JML ANGSURAN POKOK

100,000,000 14.00% 200,000,000.00 200,000,000 14% 200,000,000

1 4,166,667 2,233,219 6,399,886 195,833,333 5,555,555.56 14,000,000.00 19,555,555.56 94,444,444.44

2 4,166,667 2,187,215 6,353,882 191,666,667 5,555,555.56 14,000,000.00 19,555,555.56 88,888,888.89

3 4,166,667 2,141,210 6,307,877 187,500,000 5,555,555.56 14,000,000.00 19,555,555.56 83,333,333.33

4 4,166,667 2,095,205 6,261,872 183,333,333 5,555,555.56 14,000,000.00 19,555,555.56 77,777,777.78

5 4,166,667 2,049,201 6,215,868 179,166,667 5,555,555.56 14,000,000.00 19,555,555.56 72,222,222.22

6 4,166,667 2,003,196 6,169,863 175,000,000 5,555,555.56 14,000,000.00 19,555,555.56 66,666,666.67

7 4,166,667 1,957,192 6,123,859 170,833,333 5,555,555.56 14,000,000.00 19,555,555.56 61,111,111.11

8 4,166,667 1,911,187 6,077,854 166,666,667 5,555,555.56 14,000,000.00 19,555,555.56 55,555,555.56

9 4,166,667 1,865,183 6,031,850 162,500,000 5,555,555.56 14,000,000.00 19,555,555.56 50,000,000.00

10 4,166,667 1,819,178 5,985,845 158,333,333 5,555,555.56 14,000,000.00 19,555,555.56 44,444,444.44

11 4,166,667 1,773,174 5,939,841 154,166,667 5,555,555.56 14,000,000.00 19,555,555.56 38,888,888.89

12 4,166,667 1,727,169 5,893,836 150,000,000 5,555,555.56 14,000,000.00 19,555,555.56 33,333,333.33

13 4,166,667 1,681,164 5,847,831 145,833,333 5,555,555.56 14,000,000.00 19,555,555.56 27,777,777.78

14 4,166,667 1,635,160 5,801,827 141,666,667 5,555,555.56 14,000,000.00 19,555,555.56 22,222,222.22

15 4,166,667 1,589,155 5,755,822 137,500,000 5,555,555.56 14,000,000.00 19,555,555.56 16,666,666.67

16 4,166,667 1,543,151 5,709,818 133,333,333 5,555,555.56 14,000,000.00 19,555,555.56 11,111,111.11

17 4,166,667 1,497,146 5,663,813 129,166,667 5,555,555.56 14,000,000.00 19,555,555.56 5,555,555.56

18 4,166,667 1,451,142 5,617,809 125,000,000 5,555,555.56 14,000,000.00 19,555,555.56 0.00

19 4,166,667 1,405,137 5,571,804 120,833,333 5,555,555.56 14,000,000.00 19,555,555.56 (5,555,555.56)

20 4,166,667 1,359,132 5,525,799 116,666,667 5,555,555.56 14,000,000.00 19,555,555.56 (11,111,111.11)

21 4,166,667 1,313,128 5,479,795 112,500,000 5,555,555.56 14,000,000.00 19,555,555.56 (16,666,666.67)

22 4,166,667 1,267,123 5,433,790 108,333,333 5,555,555.56 14,000,000.00 19,555,555.56 (22,222,222.22)

23 4,166,667 1,221,119 5,387,786 104,166,667 5,555,555.56 14,000,000.00 19,555,555.56 (27,777,777.78)

24 4,166,667 1,175,114 5,341,781 100,000,000 5,555,555.56 14,000,000.00 19,555,555.56 (33,333,333.33)

25 4,166,667 1,129,110 5,295,777 95,833,333 5,555,555.56 14,000,000.00 19,555,555.56 (38,888,888.89)

26 4,166,667 1,083,105 5,249,772 91,666,667 5,555,555.56 14,000,000.00 19,555,555.56 (44,444,444.44)

27 4,166,667 1,037,100 5,203,767 87,500,000 5,555,555.56 14,000,000.00 19,555,555.56 (50,000,000.00)

28 4,166,667 991,096 5,157,763 83,333,333 5,555,555.56 14,000,000.00 19,555,555.56 (55,555,555.56)

29 4,166,667 945,091 5,111,758 79,166,667 5,555,555.56 14,000,000.00 19,555,555.56 (61,111,111.11)

30 4,166,667 899,087 5,065,754 75,000,000 5,555,555.56 14,000,000.00 19,555,555.56 (66,666,666.67)

31 4,166,667 853,082 5,019,749 70,833,333 5,555,555.56 14,000,000.00 19,555,555.56 (72,222,222.22)

32 4,166,667 807,078 4,973,745 66,666,667 5,555,555.56 14,000,000.00 19,555,555.56 (77,777,777.78)

33 4,166,667 761,073 4,927,740 62,500,000 5,555,555.56 14,000,000.00 19,555,555.56 (83,333,333.33)

34 4,166,667 715,068 4,881,735 58,333,333 5,555,555.56 14,000,000.00 19,555,555.56 (88,888,888.89)

35 4,166,667 669,064 4,835,731 54,166,667 5,555,555.56 14,000,000.00 19,555,555.56 (94,444,444.44)

36 4,166,667 623,059 4,789,726 50,000,000 5,555,555.56 14,000,000.00 19,555,555.56 (100,000,000.00)

200,000,000 504,000,000 704,000,000

JML POKOK 200,000,000

JML BUNGA 504,000,000
% BUNGA SETARA/ BLN 7.00%

INFO LEBIH LANJUT HUBUNGI :

1 FENDY FIRMANSYAH
KCP SHOPPING CENTRE MAGELANG
Ruko Rejotumoto AI-II Magelang
Ph. (0293) 310158/ 081227111109 / Pin BB 27C1C204
 Besar Pinjaman : 500,000,000 (pembulatan)
Bunga p.a : 13.00% efektif
Jk waktu (bulan) : 60
Besar angsuran/bulan : 11,376,537 11,376,537

Bulan Angsuran Pokok Angsuran Bunga Total Angsuran Saldo Pinjaman

0 500,000,000
1 5,959,870 5,416,667 11,376,537 494,040,130
2 6,024,435 5,352,101 11,376,537 488,015,695
3 6,089,700 5,286,837 11,376,537 481,925,995
4 6,155,672 5,220,865 11,376,537 475,770,324
5 6,222,358 5,154,179 11,376,537 469,547,966
6 6,289,767 5,086,770 11,376,537 463,258,199
7 6,357,906 5,018,630 11,376,537 456,900,293
8 6,426,783 4,949,753 11,376,537 450,473,509
9 6,496,407 4,880,130 11,376,537 443,977,102
10 6,566,785 4,809,752 11,376,537 437,410,318
11 6,637,925 4,738,612 11,376,537 430,772,393
12 6,709,836 4,666,701 11,376,537 424,062,558
13 6,782,525 4,594,011 11,376,537 417,280,032
14 6,856,003 4,520,534 11,376,537 410,424,029
15 6,930,276 4,446,260 11,376,537 403,493,753
16 7,005,354 4,371,182 11,376,537 396,488,399
17 7,081,246 4,295,291 11,376,537 389,407,153
18 7,157,959 4,218,577 11,376,537 382,249,194
19 7,235,504 4,141,033 11,376,537 375,013,691
20 7,313,888 4,062,648 11,376,537 367,699,802
21 7,393,122 3,983,415 11,376,537 360,306,681
22 7,473,214 3,903,322 11,376,537 352,833,466
23 7,554,174 3,822,363 11,376,537 345,279,292
24 7,636,011 3,740,526 11,376,537 337,643,282
25 7,718,734 3,657,802 11,376,537 329,924,547
26 7,802,354 3,574,183 11,376,537 322,122,193
27 7,886,879 3,489,657 11,376,537 314,235,314
28 7,972,321 3,404,216 11,376,537 306,262,993
29 8,058,687 3,317,849 11,376,537 298,204,306
30 8,145,990 3,230,547 11,376,537 290,058,316
31 8,234,238 3,142,298 11,376,537 281,824,078
32 8,323,442 3,053,094 11,376,537 273,500,635
33 8,413,613 2,962,924 11,376,537 265,087,023
34 8,504,760 2,871,776 11,376,537 256,582,262
35 8,596,895 2,779,641 11,376,537 247,985,367
36 8,690,028 2,686,508 11,376,537 239,295,338
37 8,784,170 2,592,366 11,376,537 230,511,168
38 8,879,332 2,497,204 11,376,537 221,631,836
39 8,975,525 2,401,012 11,376,537 212,656,311
40 9,072,760 2,303,777 11,376,537 203,583,551
41 9,171,048 2,205,488 11,376,537 194,412,503
42 9,270,401 2,106,135 11,376,537 185,142,102
43 9,370,830 2,005,706 11,376,537 175,771,271
44 9,472,348 1,904,189 11,376,537 166,298,924
45 9,574,965 1,801,572 11,376,537 156,723,959
46 9,678,694 1,697,843 11,376,537 147,045,265
47 9,783,546 1,592,990 11,376,537 137,261,719
48 9,889,535 1,487,002 11,376,537 127,372,185
49 9,996,671 1,379,865 11,376,537 117,375,513
50 10,104,968 1,271,568 11,376,537 107,270,545
51 10,214,439 1,162,098 11,376,537 97,056,106
52 10,325,095 1,051,441 11,376,537 86,731,011
53 10,436,951 939,586 11,376,537 76,294,060
54 10,550,018 826,519 11,376,537 65,744,042
55 10,664,309 712,227 11,376,537 55,079,733
56 10,779,839 596,697 11,376,537 44,299,894
57 10,896,621 479,916 11,376,537 33,403,273
58 11,014,668 361,869 11,376,537 22,388,605
59 11,133,993 242,543 11,376,537 11,254,612
60 11,254,612 121,925 11,376,537 (0)
 SIMULASI MAKS. CO. TETAP (REKENING KORAN)

PLAFOND JANGKA WAKTU JML MIN DIBAYAR/ BLN

14% 150,000,000.00
1 150,000,000 12 BULAN 1,808,562 Kredit Modal Kerja dengan sistem mutasi Rekening Koran (R/K)
2 200,000,000 12 BULAN 2,403,082 diperuntukkan untuk perputaran modal kerja yang bersifat cepat,
3 300,000,000 12 BULAN 3,592,123 memerlukan penambahan persediaan untuk meningkatkan volume
4 400,000,000 12 BULAN 4,781,164 penjualan.
5 500,000,000 12 BULAN 5,970,205
6 600,000,000 12 BULAN 7,159,247 Metode perhitungan bunga
7 700,000,000 12 BULAN 8,348,288 Metode perhitungan bunga R/K tergantung dari jumlah pemakaian
8 800,000,000 12 BULAN 9,537,329 pinjaman/ Plafond yang ada. Kewajiban yang diutamakan setiap bulan
9 900,000,000 12 BULAN 10,726,370 memenuhi bunga, akan tetapi yang lebih baik perputaran modal kerja
10 1,000,000,000 12 BULAN 11,915,411 dilakukan dengan aktif dan apabila pemakaian modal kerja sudah selesai
11 1,100,000,000 12 BULAN 13,104,452 dapat dikembalikan ke rek.pinjaman dan tidak dikenakan bunga berjalan.

Jangka waktu R/K SYARAT PENGAJUAN KREDIT :

Jangka waktu R/K selama 12 bulan dan apabila telah jatuh tempo maka
dapat diperpanjang tanpa harus mengembalikan jumlah modal bank yang
telah dipergunakan.
Setiap bulan nasabah mendapat laporan pemakaian plafond dari Bank BRI
1. USAHA BERKEMBANG MIN 6 BULAN BERJALAN
2. IDENTITAS DIRI (FC. KTP SUAMI ISTERI, KK)
3. PERIJINAN USAHA (SIUP, TDP, HO, IJIN2 LAINNYA)
4. FC SERTIFIKAT HAK MILIK/HAK GUNA BANGUNAN (SHM/ SHGB)
5. FC PEMBUKUAN USAHA (BILA ADA)

INFO LEBIH LANJUT HUBUNGI :

1 ARIF MURSIYANTO
KCP SHOPPING CENTRE MAGELANG
Ruko Rejotumoto AI-II Magelang
Ph. 082134332567/08562512111
 PERKIRAAN ANGSURAN
No. SK BUNGA HARI ANGSURAN BRI MENURUN SALDO

EFEKTIF BUNGA POKOK BUNGA JML ANGSURAN POKOK

247,169,999.00 247,169,999

1 10.00% 31 6,865,833 2,153,408 9,019,241 240,304,166

2 10.00% 31 6,865,833 2,094,286 8,960,119 233,438,332

3 10.00% 31 6,865,833 2,035,163 8,900,996 226,572,499

4 10.00% 31 6,865,833 1,976,041 8,841,874 219,706,666

5 10.00% 31 6,865,833 1,916,919 8,782,752 212,840,832

6 10.00% 31 6,865,833 1,857,796 8,723,629 205,974,999

7 10.00% 31 6,865,833 1,798,674 8,664,507 199,109,166

8 10.00% 31 6,865,833 1,739,551 8,605,384 192,243,333

9 10.00% 31 6,865,833 1,680,429 8,546,262 185,377,499

10 10.00% 31 6,865,833 1,621,306 8,487,139 178,511,666

11 10.00% 31 6,865,833 1,562,184 8,428,017 171,645,833

12 10.00% 31 6,865,833 1,503,061 8,368,894 164,779,999

13 10.00% 31 6,865,833 1,443,939 8,309,772 157,914,166

14 10.00% 31 6,865,833 1,384,816 8,250,649 151,048,333

15 10.00% 31 6,865,833 1,325,694 8,191,527 144,182,499

16 10.00% 31 6,865,833 1,266,572 8,132,405 137,316,666

17 10.00% 31 6,865,833 1,207,449 8,073,282 130,450,833

18 10.00% 31 6,865,833 1,148,327 8,014,160 123,585,000

19 10.00% 31 6,865,833 1,089,204 7,955,037 116,719,166

20 10.00% 31 6,865,833 1,030,082 7,895,915 109,853,333

21 10.00% 31 6,865,833 970,959 7,836,792 102,987,500

22 10.00% 31 6,865,833 911,837 7,777,670 96,121,666

23 10.00% 31 6,865,833 852,714 7,718,547 89,255,833

24 10.00% 31 6,865,833 793,592 7,659,425 82,390,000

25 10.00% 31 6,865,833 734,469 7,600,302 75,524,166

26 10.00% 31 6,865,833 675,347 7,541,180 68,658,333

27 10.00% 31 6,865,833 616,225 7,482,058 61,792,500

28 10.00% 31 6,865,833 557,102 7,422,935 54,926,666

29 10.00% 31 6,865,833 497,980 7,363,813 48,060,833

30 10.00% 31 6,865,833 438,857 7,304,690 41,195,000

31 10.00% 31 6,865,833 379,735 7,245,568 34,329,167

32 10.00% 31 6,865,833 320,612 7,186,445 27,463,333

33 10.00% 31 6,865,833 261,490 7,127,323 20,597,500

34 10.00% 31 6,865,833 202,367 7,068,200 13,731,667
35 10.00% 31 6,865,833 143,245 7,009,078 6,865,833

36 10.00% 31 6,865,833 84,122 6,974,955 0