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					                                                                            SIMULASI KREDIT KENDARAAN BERMOTOR

                 Harga OTR (On The Road) Kendaraan                      : Rp        50,000,000
                 Down Payement (DP)                                                      30 %
                 Asuransi                                               :                10 %
                 Persentase Bunga (flat)                                :             12.50 %
                 Tenor (jangka waktu)                                   :                   3
                 Biaya Administrasi                                     :   Rp       1,000,000
                 Biaya Lain Lain                                        :      Rp     500,000
           Pokok Hutang                                                 : Rp        41,500,000
BUNGA EFEKTIF

Total Bunga          18,893,327.21                       Total Bayar             60,393,327.21
                                                         Cicilan                  1,677,592.42
Tabel Cicilan Dengan Perhitungan Bunga Efektif

    Bulan             Pokok                Bunga           Total Cicilan
             1          769,779.92          907,812.50       1,677,592.42
             2          786,618.86          890,973.56       1,677,592.42
             3          803,826.15          873,766.28       1,677,592.42
             4          821,409.84          856,182.58       1,677,592.42
             5          839,378.18          838,214.24       1,677,592.42
             6          857,739.58          819,852.84       1,677,592.42
             7          876,502.63          801,089.79       1,677,592.42
             8          895,676.13          781,916.29       1,677,592.42
             9          915,269.04          762,323.38       1,677,592.42
            10          935,290.55          742,301.87       1,677,592.42
            11          955,750.04          721,842.39       1,677,592.42
            12          976,657.07          700,935.35       1,677,592.42
            13          998,021.44          679,570.98       1,677,592.42
            14        1,019,853.16          657,739.26       1,677,592.42
            15        1,042,162.45          635,429.97       1,677,592.42
            16        1,064,959.75          612,632.67       1,677,592.42
            17        1,088,255.75          589,336.68       1,677,592.42
            18        1,112,061.34          565,531.08       1,677,592.42
            19        1,136,387.68          541,204.74       1,677,592.42
            20        1,161,246.16          516,346.26       1,677,592.42
            21        1,186,648.42          490,944.00       1,677,592.42
            22        1,212,606.36          464,986.07       1,677,592.42
            23        1,239,132.12          438,460.30       1,677,592.42
            24        1,266,238.14          411,354.29       1,677,592.42
            25        1,293,937.10          383,655.33       1,677,592.42
            26        1,322,241.97          355,350.45       1,677,592.42
            27        1,351,166.01          326,426.41       1,677,592.42
            28        1,380,722.77          296,869.65       1,677,592.42
            29        1,410,926.08          266,666.34       1,677,592.42
            30        1,441,790.09          235,802.33       1,677,592.42
            31        1,473,329.25          204,263.18       1,677,592.42
            32        1,505,558.32          172,034.10       1,677,592.42
            33        1,538,492.41          139,100.01       1,677,592.42
            34        1,572,146.93          105,445.49       1,677,592.42
            35        1,606,537.65           71,054.78       1,677,592.42
            36        1,641,680.66           35,911.76       1,677,592.42
Total   41,500,000.00   18,893,327.21   60,393,327.21
SIMULASI KREDIT KENDARAAN BERMOTOR



                         Rp       15,000,000
                          Rp       5,000,000
             / Tahun   effektif                      26.25%




                       BUNGA FLAT

                       Total Bunga             17,588,867.19                Total Bayar
                                                                            Cicilan
                       Tabel Cicilan Dengan Perhitungan Bunga Flat

                               Bulan           Pokok           Bunga          Total Cicilan
                                           1   1,152,777.78    488,579.64      1,641,357.42
                                           2   1,152,777.78    488,579.64      1,641,357.42
                                           3   1,152,777.78    488,579.64      1,641,357.42
                                           4   1,152,777.78    488,579.64      1,641,357.42
                                           5   1,152,777.78    488,579.64      1,641,357.42
                                           6   1,152,777.78    488,579.64      1,641,357.42
                                           7   1,152,777.78    488,579.64      1,641,357.42
                                           8   1,152,777.78    488,579.64      1,641,357.42
                                           9   1,152,777.78    488,579.64      1,641,357.42
                                          10   1,152,777.78    488,579.64      1,641,357.42
                                          11   1,152,777.78    488,579.64      1,641,357.42
                                          12   1,152,777.78    488,579.64      1,641,357.42
                                          13   1,152,777.78    488,579.64      1,641,357.42
                                          14   1,152,777.78    488,579.64      1,641,357.42
                                          15   1,152,777.78    488,579.64      1,641,357.42
                                          16   1,152,777.78    488,579.64      1,641,357.42
                                          17   1,152,777.78    488,579.64      1,641,357.42
                                          18   1,152,777.78    488,579.64      1,641,357.42
                                          19   1,152,777.78    488,579.64      1,641,357.42
                                          20   1,152,777.78    488,579.64      1,641,357.42
                                          21   1,152,777.78    488,579.64      1,641,357.42
                                          22   1,152,777.78    488,579.64      1,641,357.42
                                          23   1,152,777.78    488,579.64      1,641,357.42
                                          24   1,152,777.78    488,579.64      1,641,357.42
                                          25   1,152,777.78    488,579.64      1,641,357.42
                                          26   1,152,777.78    488,579.64      1,641,357.42
                                          27   1,152,777.78    488,579.64      1,641,357.42
                                          28   1,152,777.78    488,579.64      1,641,357.42
                                          29   1,152,777.78    488,579.64      1,641,357.42
                                          30   1,152,777.78    488,579.64      1,641,357.42
                                          31   1,152,777.78    488,579.64      1,641,357.42
                                          32   1,152,777.78    488,579.64      1,641,357.42
                                          33   1,152,777.78    488,579.64      1,641,357.42
                                          34   1,152,777.78    488,579.64      1,641,357.42
                                          35   1,152,777.78    488,579.64      1,641,357.42
                                          36   1,152,777.78    488,579.64      1,641,357.42
41,500,000.00   17,588,867.19   59,088,867.19
59,088,867.19
 1,641,357.42

				
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