CONTOH PERHITUNGAN ANGSURAN (ANUITAS)

In Arrear = Angsuran mulai dibayar bulan berikutnya In Advance =angsuran dibayar pada saat awal (DP d
Angsuran / bln Angsuran / bln

Pinjaman x suku bunga

Pinjaman x suku bunga VARIABEL YANG
DAPAT DIUBAH 1
1 1-
1- Tenor BERTANDA BIRU (1+suku bunga)
(1 + suku bunga)

Ingat! Dalam perhitungan suku bunga harus dibagi 12 Ingat! Dalam perhitungan suku bunga harus dibagi 12

Pokok 200,000,000 Angsuran/Bln 2,487,042 Pokok 200,000,000

Tenor (Bln) 240 Tot P+B 596,889,989 Tenor (Bln) 240
Int (eff) 14% Tot Bunga 396,889,989 Int (eff) 14%

pokok x suku bunga

12

Bulan AngKe O/S Pokok AngPokok Angs Bunga Angsuran AngKe O/S Pokok

0 0 200,000,000 - - 1 197,541,639
1 1 199,846,292 153,708 2,333,333 2,487,042 2 197,387,931
2 2 199,690,790 155,502 2,331,540 2,487,042 3 197,232,429
3 3 199,533,474 157,316 2,329,726 2,487,042 4 197,075,114
4 4 199,374,323 159,151 2,327,891 2,487,042 5 196,915,963
5 5 199,213,315 161,008 2,326,034 2,487,042 6 196,754,955
6 6 199,050,429 162,886 2,324,155 2,487,042 7 196,592,068
7 7 198,885,643 164,787 2,322,255 2,487,042 8 196,427,282
8 8 198,718,933 166,709 2,320,332 2,487,042 9 196,260,573
9 9 198,550,279 168,654 2,318,388 2,487,042 10 196,091,919
10 10 198,379,658 170,622 2,316,420 2,487,042 11 195,921,297
11 11 198,207,045 172,612 2,314,429 2,487,042 12 195,748,685
12 12 198,032,419 174,626 2,312,416 2,487,042 13 195,574,059
13 13 197,855,756 176,663 2,310,378 2,487,042 14 195,397,395
14 14 197,677,031 178,724 2,308,317 2,487,042 15 195,218,671
15 15 197,496,222 180,810 2,306,232 2,487,042 16 195,037,861
16 16 197,313,303 182,919 2,304,123 2,487,042 17 194,854,942
17 17 197,128,250 185,053 2,301,989 2,487,042 18 194,669,889
18 18 196,941,038 187,212 2,299,830 2,487,042 19 194,482,677
19 19 196,751,642 189,396 2,297,645 2,487,042 20 194,293,281
20 20 196,560,036 191,606 2,295,436 2,487,042 21 194,101,675
21 21 196,366,195 193,841 2,293,200 2,487,042 22 193,907,834
22 22 196,170,092 196,103 2,290,939 2,487,042 23 193,711,731
23 23 195,971,701 198,391 2,288,651 2,487,042 24 193,513,341
24 24 195,770,996 200,705 2,286,337 2,487,042 25 193,312,635
25 25 195,567,950 203,047 2,283,995 2,487,042 26 193,109,589
26 26 195,362,534 205,416 2,281,626 2,487,042 27 192,904,173
27 27 195,154,722 207,812 2,279,230 2,487,042 28 192,696,361
28 28 194,944,485 210,237 2,276,805 2,487,042 29 192,486,125
29 29 194,731,796 212,689 2,274,352 2,487,042 30 192,273,435
30 30 194,516,625 215,171 2,271,871 2,487,042 31 192,058,265
31 31 194,298,944 217,681 2,269,361 2,487,042 32 191,840,584
32 32 194,078,724 220,221 2,266,821 2,487,042 33 191,620,363
33 33 193,855,934 222,790 2,264,252 2,487,042 34 191,397,573
34 34 193,630,545 225,389 2,261,653 2,487,042 35 191,172,184
35 35 193,402,526 228,019 2,259,023 2,487,042 36 190,944,166
36 36 193,171,848 230,679 2,256,363 2,487,042 37 190,713,487
37 37 192,938,477 233,370 2,253,672 2,487,042 38 190,480,117
38 38 192,702,385 236,093 2,250,949 2,487,042 39 190,244,024
39 39 192,463,538 238,847 2,248,194 2,487,042 40 190,005,177
40 40 192,221,904 241,634 2,245,408 2,487,042 41 189,763,543
41 41 191,977,451 244,453 2,242,589 2,487,042 42 189,519,090
42 42 191,730,146 247,305 2,239,737 2,487,042 43 189,271,786
43 43 191,479,957 250,190 2,236,852 2,487,042 44 189,021,596
44 44 191,226,848 253,109 2,233,933 2,487,042 45 188,768,487
45 45 190,970,786 256,062 2,230,980 2,487,042 46 188,512,425
46 46 190,711,737 259,049 2,227,993 2,487,042 47 188,253,376
47 47 190,449,666 262,071 2,224,970 2,487,042 48 187,991,305
48 48 190,184,537 265,129 2,221,913 2,487,042 49 187,726,176
49 49 189,916,315 268,222 2,218,820 2,487,042 50 187,457,954
50 50 189,644,963 271,351 2,215,690 2,487,042 51 187,186,603
51 51 189,370,446 274,517 2,212,525 2,487,042 52 186,912,086
52 52 189,092,727 277,720 2,209,322 2,487,042 53 186,634,366
53 53 188,811,767 280,960 2,206,082 2,487,042 54 186,353,406
54 54 188,527,529 284,238 2,202,804 2,487,042 55 186,069,168
55 55 188,239,975 287,554 2,199,488 2,487,042 56 185,781,615
56 56 187,949,067 290,909 2,196,133 2,487,042 57 185,490,706
57 57 187,654,764 294,303 2,192,739 2,487,042 58 185,196,403
58 58 187,357,028 297,736 2,189,306 2,487,042 59 184,898,667
59 59 187,055,819 301,210 2,185,832 2,487,042 60 184,597,458
60 60 186,751,095 304,724 2,182,318 2,487,042 61 184,292,734
61 61 186,442,816 308,279 2,178,763 2,487,042 62 183,984,455
62 62 186,130,941 311,875 2,175,166 2,487,042 63 183,672,580
63 63 185,815,427 315,514 2,171,528 2,487,042 64 183,357,066
64 64 185,496,232 319,195 2,167,847 2,487,042 65 183,037,871
65 65 185,173,313 322,919 2,164,123 2,487,042 66 182,714,952
66 66 184,846,626 326,686 2,160,355 2,487,042 67 182,388,266
67 67 184,516,129 330,498 2,156,544 2,487,042 68 182,057,768
68 68 184,181,775 334,353 2,152,688 2,487,042 69 181,723,415
69 69 183,843,521 338,254 2,148,787 2,487,042 70 181,385,160
70 70 183,501,320 342,201 2,144,841 2,487,042 71 181,042,960
71 71 183,155,128 346,193 2,140,849 2,487,042 72 180,696,767
72 72 182,804,896 350,232 2,136,810 2,487,042 73 180,346,535
73 73 182,450,578 354,318 2,132,724 2,487,042 74 179,992,217
74 74 182,092,126 358,452 2,128,590 2,487,042 75 179,633,766
75 75 181,729,493 362,633 2,124,408 2,487,042 76 179,271,132
76 76 181,362,629 366,864 2,120,177 2,487,042 77 178,904,268
77 77 180,991,484 371,144 2,115,897 2,487,042 78 178,533,124
78 78 180,616,010 375,474 2,111,567 2,487,042 79 178,157,649
79 79 180,236,155 379,855 2,107,187 2,487,042 80 177,777,795
80 80 179,851,869 384,286 2,102,755 2,487,042 81 177,393,508
81 81 179,463,099 388,770 2,098,272 2,487,042 82 177,004,738
82 82 179,069,794 393,305 2,093,736 2,487,042 83 176,611,433
83 83 178,671,899 397,894 2,089,148 2,487,042 84 176,213,539
84 84 178,269,363 402,536 2,084,505 2,487,042 85 175,811,003
85 85 177,862,131 407,232 2,079,809 2,487,042 86 175,403,770
86 86 177,450,148 411,983 2,075,058 2,487,042 87 174,991,787
87 87 177,033,358 416,790 2,070,252 2,487,042 88 174,574,997
88 88 176,611,705 421,652 2,065,389 2,487,042 89 174,153,344
89 89 176,185,133 426,572 2,060,470 2,487,042 90 173,726,773
90 90 175,753,585 431,548 2,055,493 2,487,042 91 173,295,224
91 91 175,317,002 436,583 2,050,458 2,487,042 92 172,858,641
92 92 174,875,325 441,677 2,045,365 2,487,042 93 172,416,965
93 93 174,428,496 446,829 2,040,212 2,487,042 94 171,970,135
94 94 173,976,453 452,043 2,034,999 2,487,042 95 171,518,093
95 95 173,519,137 457,316 2,029,725 2,487,042 96 171,060,776
96 96 173,056,485 462,652 2,024,390 2,487,042 97 170,598,125
97 97 172,588,436 468,049 2,018,992 2,487,042 98 170,130,075
98 98 172,114,926 473,510 2,013,532 2,487,042 99 169,656,565
99 99 171,635,892 479,034 2,008,007 2,487,042 100 169,177,531
100 100 171,151,269 484,623 2,002,419 2,487,042 101 168,692,908
101 101 170,660,992 490,277 1,996,765 2,487,042 102 168,202,632
102 102 170,164,996 495,997 1,991,045 2,487,042 103 167,706,635
103 103 169,663,212 501,783 1,985,258 2,487,042 104 167,204,852
104 104 169,155,575 507,637 1,979,404 2,487,042 105 166,697,214
105 105 168,642,015 513,560 1,973,482 2,487,042 106 166,183,654
106 106 168,122,463 519,551 1,967,490 2,487,042 107 165,664,103
107 107 167,596,851 525,613 1,961,429 2,487,042 108 165,138,490
108 108 167,065,105 531,745 1,955,297 2,487,042 109 164,606,745
109 109 166,527,157 537,949 1,949,093 2,487,042 110 164,068,796
110 110 165,982,932 544,225 1,942,817 2,487,042 111 163,524,571
111 111 165,432,358 550,574 1,936,468 2,487,042 112 162,973,997
112 112 164,875,360 556,997 1,930,044 2,487,042 113 162,417,000
113 113 164,311,865 563,496 1,923,546 2,487,042 114 161,853,504
114 114 163,741,795 570,070 1,916,972 2,487,042 115 161,283,434
115 115 163,165,074 576,721 1,910,321 2,487,042 116 160,706,713
116 116 162,581,625 583,449 1,903,593 2,487,042 117 160,123,264
117 117 161,991,369 590,256 1,896,786 2,487,042 118 159,533,008
118 118 161,394,227 597,142 1,889,899 2,487,042 119 158,935,866
119 119 160,790,118 604,109 1,882,933 2,487,042 120 158,331,757
120 120 160,178,961 611,157 1,875,885 2,487,042
39,821,039 258,623,956 298,444,995
ngsuran dibayar pada saat awal (DP dibayar)

Pinjaman x suku bunga

X (1+suku bunga)
(1+suku bunga) Tenor

erhitungan suku bunga harus dibagi 12

Angsuran/Bln 2,458,361
Tot P+B 590,006,579
Tot Bunga 390,006,579

pokok x suku bunga

12

AngPokok Bunga Angsuran

2,458,361 - 2,458,361
153,708 2,304,652 2,458,361
155,502 2,302,859 2,458,361
157,316 2,301,045 2,458,361
159,151 2,299,210 2,458,361
161,008 2,297,353 2,458,361
162,886 2,295,474 2,458,361
164,787 2,293,574 2,458,361
166,709 2,291,652 2,458,361
168,654 2,289,707 2,458,361
170,622 2,287,739 2,458,361
172,612 2,285,748 2,458,361
174,626 2,283,735 2,458,361
176,663 2,281,697 2,458,361
178,724 2,279,636 2,458,361
180,810 2,277,551 2,458,361
182,919 2,275,442 2,458,361
185,053 2,273,308 2,458,361
187,212 2,271,149 2,458,361
189,396 2,268,965 2,458,361
191,606 2,266,755 2,458,361
193,841 2,264,520 2,458,361
196,103 2,262,258 2,458,361
198,391 2,259,970 2,458,361
200,705 2,257,656 2,458,361
203,047 2,255,314 2,458,361
205,416 2,252,945 2,458,361
207,812 2,250,549 2,458,361
210,237 2,248,124 2,458,361
212,689 2,245,671 2,458,361
215,171 2,243,190 2,458,361
217,681 2,240,680 2,458,361
220,221 2,238,140 2,458,361
222,790 2,235,571 2,458,361
225,389 2,232,972 2,458,361
228,019 2,230,342 2,458,361
230,679 2,227,682 2,458,361
233,370 2,224,991 2,458,361
236,093 2,222,268 2,458,361
238,847 2,219,514 2,458,361
241,634 2,216,727 2,458,361
244,453 2,213,908 2,458,361
247,305 2,211,056 2,458,361
250,190 2,208,171 2,458,361
253,109 2,205,252 2,458,361
256,062 2,202,299 2,458,361
259,049 2,199,312 2,458,361
262,071 2,196,289 2,458,361
265,129 2,193,232 2,458,361
268,222 2,190,139 2,458,361
271,351 2,187,009 2,458,361
274,517 2,183,844 2,458,361
277,720 2,180,641 2,458,361
280,960 2,177,401 2,458,361
284,238 2,174,123 2,458,361
287,554 2,170,807 2,458,361
290,909 2,167,452 2,458,361
294,303 2,164,058 2,458,361
297,736 2,160,625 2,458,361
301,210 2,157,151 2,458,361
304,724 2,153,637 2,458,361
308,279 2,150,082 2,458,361
311,875 2,146,485 2,458,361
315,514 2,142,847 2,458,361
319,195 2,139,166 2,458,361
322,919 2,135,442 2,458,361
326,686 2,131,674 2,458,361
330,498 2,127,863 2,458,361
334,353 2,124,007 2,458,361
338,254 2,120,107 2,458,361
342,201 2,116,160 2,458,361
346,193 2,112,168 2,458,361
350,232 2,108,129 2,458,361
354,318 2,104,043 2,458,361
358,452 2,099,909 2,458,361
362,633 2,095,727 2,458,361
366,864 2,091,497 2,458,361
371,144 2,087,216 2,458,361
375,474 2,082,886 2,458,361
379,855 2,078,506 2,458,361
384,286 2,074,074 2,458,361
388,770 2,069,591 2,458,361
 393,305 2,065,055 2,458,361
397,894 2,060,467 2,458,361
402,536 2,055,825 2,458,361
407,232 2,051,128 2,458,361
411,983 2,046,377 2,458,361
416,790 2,041,571 2,458,361
421,652 2,036,708 2,458,361
426,572 2,031,789 2,458,361
431,548 2,026,812 2,458,361
436,583 2,021,778 2,458,361
441,677 2,016,684 2,458,361
446,829 2,011,531 2,458,361
452,043 2,006,318 2,458,361
457,316 2,001,044 2,458,361
462,652 1,995,709 2,458,361
468,049 1,990,311 2,458,361
473,510 1,984,851 2,458,361
479,034 1,979,327 2,458,361
484,623 1,973,738 2,458,361
490,277 1,968,084 2,458,361
495,997 1,962,364 2,458,361
501,783 1,956,577 2,458,361
507,637 1,950,723 2,458,361
513,560 1,944,801 2,458,361
519,551 1,938,809 2,458,361
525,613 1,932,748 2,458,361
531,745 1,926,616 2,458,361
537,949 1,920,412 2,458,361
544,225 1,914,136 2,458,361
550,574 1,907,787 2,458,361
556,997 1,901,363 2,458,361
563,496 1,894,865 2,458,361
570,070 1,888,291 2,458,361
576,721 1,881,640 2,458,361
583,449 1,874,912 2,458,361
590,256 1,868,105 2,458,361
597,142 1,861,218 2,458,361
604,109 1,854,252 2,458,361
41,668,243 253,335,047 295,003,290
 Contoh perhitungan Angsuran FLAT

Pokok 100,000,000 Bunga 120,000,000

Tenor (Bln) 120 P+B 220,000,000
Int (Flat) 12% Angsuran/bln 1,833,333

Bulan AngKe O/S Pokok AngPokok Angs Bunga Angsuran

0 0 100,000,000
1 1 99,166,667 833,333 1,000,000 1,833,333
2 2 98,333,333 833,333 1,000,000 1,833,333
3 3 97,500,000 833,333 1,000,000 1,833,333
4 4 96,666,667 833,333 1,000,000 1,833,333
5 5 95,833,333 833,333 1,000,000 1,833,333
6 6 95,000,000 833,333 1,000,000 1,833,333
7 7 94,166,667 833,333 1,000,000 1,833,333
8 8 93,333,333 833,333 1,000,000 1,833,333
9 9 92,500,000 833,333 1,000,000 1,833,333
10 10 91,666,667 833,333 1,000,000 1,833,333
11 11 90,833,333 833,333 1,000,000 1,833,333
12 12 90,000,000 833,333 1,000,000 1,833,333
13 13 89,166,667 833,333 1,000,000 1,833,333
14 14 88,333,333 833,333 1,000,000 1,833,333
15 15 87,500,000 833,333 1,000,000 1,833,333
16 16 86,666,667 833,333 1,000,000 1,833,333
17 17 85,833,333 833,333 1,000,000 1,833,333
18 18 85,000,000 833,333 1,000,000 1,833,333
19 19 84,166,667 833,333 1,000,000 1,833,333
20 20 83,333,333 833,333 1,000,000 1,833,333
21 21 82,500,000 833,333 1,000,000 1,833,333
22 22 81,666,667 833,333 1,000,000 1,833,333
23 23 80,833,333 833,333 1,000,000 1,833,333
24 24 80,000,000 833,333 1,000,000 1,833,333
25 25 79,166,667 833,333 1,000,000 1,833,333
26 26 78,333,333 833,333 1,000,000 1,833,333
27 27 77,500,000 833,333 1,000,000 1,833,333
28 28 76,666,667 833,333 1,000,000 1,833,333
29 29 75,833,333 833,333 1,000,000 1,833,333
30 30 75,000,000 833,333 1,000,000 1,833,333
31 31 74,166,667 833,333 1,000,000 1,833,333
32 32 73,333,333 833,333 1,000,000 1,833,333
33 33 72,500,000 833,333 1,000,000 1,833,333
34 34 71,666,667 833,333 1,000,000 1,833,333
35 35 70,833,333 833,333 1,000,000 1,833,333
36 36 70,000,000 833,333 1,000,000 1,833,333
37 37 69,166,667 833,333 1,000,000 1,833,333
38 38 68,333,333 833,333 1,000,000 1,833,333
39 39 67,500,000 833,333 1,000,000 1,833,333
40 40 66,666,667 833,333 1,000,000 1,833,333
41 41 65,833,333 833,333 1,000,000 1,833,333
42 42 65,000,000 833,333 1,000,000 1,833,333
43 43 64,166,667 833,333 1,000,000 1,833,333
44 44 63,333,333 833,333 1,000,000 1,833,333
45 45 62,500,000 833,333 1,000,000 1,833,333
46 46 61,666,667 833,333 1,000,000 1,833,333
47 47 60,833,333 833,333 1,000,000 1,833,333
48 48 60,000,000 833,333 1,000,000 1,833,333
49 49 59,166,667 833,333 1,000,000 1,833,333
50 50 58,333,333 833,333 1,000,000 1,833,333
51 51 57,500,000 833,333 1,000,000 1,833,333
52 52 56,666,667 833,333 1,000,000 1,833,333
53 53 55,833,333 833,333 1,000,000 1,833,333
54 54 55,000,000 833,333 1,000,000 1,833,333
55 55 54,166,667 833,333 1,000,000 1,833,333
56 56 53,333,333 833,333 1,000,000 1,833,333
57 57 52,500,000 833,333 1,000,000 1,833,333
58 58 51,666,667 833,333 1,000,000 1,833,333
59 59 50,833,333 833,333 1,000,000 1,833,333
60 60 50,000,000 833,333 1,000,000 1,833,333
61 61 49,166,667 833,333 1,000,000 1,833,333
62 62 48,333,333 833,333 1,000,000 1,833,333
63 63 47,500,000 833,333 1,000,000 1,833,333
64 64 46,666,667 833,333 1,000,000 1,833,333
65 65 45,833,333 833,333 1,000,000 1,833,333
66 66 45,000,000 833,333 1,000,000 1,833,333
67 67 44,166,667 833,333 1,000,000 1,833,333
68 68 43,333,333 833,333 1,000,000 1,833,333
69 69 42,500,000 833,333 1,000,000 1,833,333
70 70 41,666,667 833,333 1,000,000 1,833,333
71 71 40,833,333 833,333 1,000,000 1,833,333
72 72 40,000,000 833,333 1,000,000 1,833,333
73 73 39,166,667 833,333 1,000,000 1,833,333
74 74 38,333,333 833,333 1,000,000 1,833,333
75 75 37,500,000 833,333 1,000,000 1,833,333
76 76 36,666,667 833,333 1,000,000 1,833,333
77 77 35,833,333 833,333 1,000,000 1,833,333
78 78 35,000,000 833,333 1,000,000 1,833,333
79 79 34,166,667 833,333 1,000,000 1,833,333
80 80 33,333,333 833,333 1,000,000 1,833,333
81 81 32,500,000 833,333 1,000,000 1,833,333
82 82 31,666,667 833,333 1,000,000 1,833,333
83 83 30,833,333 833,333 1,000,000 1,833,333
84 84 30,000,000 833,333 1,000,000 1,833,333
85 85 29,166,667 833,333 1,000,000 1,833,333
86 86 28,333,333 833,333 1,000,000 1,833,333
87 87 27,500,000 833,333 1,000,000 1,833,333
88 88 26,666,667 833,333 1,000,000 1,833,333
89 89 25,833,333 833,333 1,000,000 1,833,333
90 90 25,000,000 833,333 1,000,000 1,833,333
91 91 24,166,667 833,333 1,000,000 1,833,333
92 92 23,333,333 833,333 1,000,000 1,833,333
93 93 22,500,000 833,333 1,000,000 1,833,333
94 94 21,666,667 833,333 1,000,000 1,833,333
95 95 20,833,333 833,333 1,000,000 1,833,333
96 96 20,000,000 833,333 1,000,000 1,833,333
97 97 19,166,667 833,333 1,000,000 1,833,333
98 98 18,333,333 833,333 1,000,000 1,833,333
99 99 17,500,000 833,333 1,000,000 1,833,333
100 100 16,666,667 833,333 1,000,000 1,833,333
101 101 15,833,333 833,333 1,000,000 1,833,333
102 102 15,000,000 833,333 1,000,000 1,833,333
103 103 14,166,667 833,333 1,000,000 1,833,333
104 104 13,333,333 833,333 1,000,000 1,833,333
105 105 12,500,000 833,333 1,000,000 1,833,333
106 106 11,666,667 833,333 1,000,000 1,833,333
107 107 10,833,333 833,333 1,000,000 1,833,333
108 108 10,000,000 833,333 1,000,000 1,833,333
109 109 9,166,667 833,333 1,000,000 1,833,333
110 110 8,333,333 833,333 1,000,000 1,833,333
111 111 7,500,000 833,333 1,000,000 1,833,333
112 112 6,666,667 833,333 1,000,000 1,833,333
113 113 5,833,333 833,333 1,000,000 1,833,333
114 114 5,000,000 833,333 1,000,000 1,833,333
115 115 4,166,667 833,333 1,000,000 1,833,333
116 116 3,333,333 833,333 1,000,000 1,833,333
117 117 2,500,000 833,333 1,000,000 1,833,333
118 118 1,666,667 833,333 1,000,000 1,833,333
119 119 833,333 833,333 1,000,000 1,833,333
120 120 0 833,333 1,000,000 1,833,333
100,000,000 120,000,000 220,000,000