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 400,000,000 Angsuran/Bln 5,874,803 Pokok 400,000,000

Tenor (Bln) 180 Tot P+B 1,057,464,534 Tenor (Bln) 180
Int (eff) 16% Tot Bunga 657,464,534 Int (eff) 16%

pokok x suku bunga

12

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

0 0 400,000,000 - - 1 394,202,497
1 1 399,458,530 541,470 5,333,333 5,874,803 2 393,661,027
2 2 398,909,841 548,689 5,326,114 5,874,803 3 393,112,338
3 3 398,353,836 556,005 5,318,798 5,874,803 4 392,556,333
4 4 397,790,418 563,418 5,311,384 5,874,803 5 391,992,915
5 5 397,219,487 570,931 5,303,872 5,874,803 6 391,421,984
6 6 396,640,944 578,543 5,296,260 5,874,803 7 390,843,441
7 7 396,054,687 586,257 5,288,546 5,874,803 8 390,257,184
8 8 395,460,613 594,074 5,280,729 5,874,803 9 389,663,110
9 9 394,858,618 601,995 5,272,808 5,874,803 10 389,061,115
10 10 394,248,597 610,021 5,264,782 5,874,803 11 388,451,094
11 11 393,630,442 618,155 5,256,648 5,874,803 12 387,832,939
12 12 393,004,045 626,397 5,248,406 5,874,803 13 387,206,542
13 13 392,369,296 634,749 5,240,054 5,874,803 14 386,571,793
14 14 391,726,083 643,212 5,231,591 5,874,803 15 385,928,580
15 15 391,074,295 651,789 5,223,014 5,874,803 16 385,276,792
16 16 390,413,816 660,479 5,214,324 5,874,803 17 384,616,313
17 17 389,744,530 669,285 5,205,518 5,874,803 18 383,947,027
18 18 389,066,321 678,209 5,196,594 5,874,803 19 383,268,818
19 19 388,379,069 687,252 5,187,551 5,874,803 20 382,581,566
20 20 387,682,654 696,415 5,178,388 5,874,803 21 381,885,151
21 21 386,976,953 705,701 5,169,102 5,874,803 22 381,179,450
22 22 386,261,842 715,110 5,159,693 5,874,803 23 380,464,339
23 23 385,537,197 724,645 5,150,158 5,874,803 24 379,739,694
24 24 384,802,890 734,307 5,140,496 5,874,803 25 379,005,387
25 25 384,058,793 744,098 5,130,705 5,874,803 26 378,261,290
26 26 383,304,773 754,019 5,120,784 5,874,803 27 377,507,271
27 27 382,540,701 764,073 5,110,730 5,874,803 28 376,743,198
28 28 381,766,441 774,260 5,100,543 5,874,803 29 375,968,938
29 29 380,981,857 784,584 5,090,219 5,874,803 30 375,184,354
30 30 380,186,812 795,045 5,079,758 5,874,803 31 374,389,309
31 31 379,381,166 805,645 5,069,157 5,874,803 32 373,583,663
32 32 378,564,779 816,387 5,058,416 5,874,803 33 372,767,276
33 33 377,737,506 827,273 5,047,530 5,874,803 34 371,940,003
34 34 376,899,204 838,303 5,036,500 5,874,803 35 371,101,701
35 35 376,049,723 849,480 5,025,323 5,874,803 36 370,252,220
36 36 375,188,917 860,807 5,013,996 5,874,803 37 369,391,414
37 37 374,316,633 872,284 5,002,519 5,874,803 38 368,519,130
38 38 373,432,718 883,915 4,990,888 5,874,803 39 367,635,215
39 39 372,537,018 895,700 4,979,103 5,874,803 40 366,739,515
40 40 371,629,375 907,643 4,967,160 5,874,803 41 365,831,872
41 41 370,709,631 919,745 4,955,058 5,874,803 42 364,912,128
42 42 369,777,623 932,008 4,942,795 5,874,803 43 363,980,120
43 43 368,833,188 944,435 4,930,368 5,874,803 44 363,035,685
44 44 367,876,161 957,027 4,917,776 5,874,803 45 362,078,658
45 45 366,906,373 969,787 4,905,015 5,874,803 46 361,108,870
46 46 365,923,655 982,718 4,892,085 5,874,803 47 360,126,152
47 47 364,927,835 995,821 4,878,982 5,874,803 48 359,130,332
48 48 363,918,736 1,009,099 4,865,704 5,874,803 49 358,121,233
49 49 362,896,183 1,022,553 4,852,250 5,874,803 50 357,098,680
50 50 361,859,996 1,036,187 4,838,616 5,874,803 51 356,062,493
51 51 360,809,993 1,050,003 4,824,800 5,874,803 52 355,012,490
52 52 359,745,990 1,064,003 4,810,800 5,874,803 53 353,948,487
53 53 358,667,800 1,078,190 4,796,613 5,874,803 54 352,870,297
54 54 357,575,234 1,092,566 4,782,237 5,874,803 55 351,777,731
55 55 356,468,101 1,107,133 4,767,670 5,874,803 56 350,670,598
56 56 355,346,206 1,121,895 4,752,908 5,874,803 57 349,548,703
57 57 354,209,352 1,136,854 4,737,949 5,874,803 58 348,411,850
58 58 353,057,341 1,152,012 4,722,791 5,874,803 59 347,259,838
59 59 351,889,969 1,167,372 4,707,431 5,874,803 60 346,092,466
60 60 350,707,032 1,182,937 4,691,866 5,874,803 61 344,909,530
61 61 349,508,323 1,198,709 4,676,094 5,874,803 62 343,710,820
62 62 348,293,631 1,214,692 4,660,111 5,874,803 63 342,496,128
63 63 347,062,743 1,230,888 4,643,915 5,874,803 64 341,265,240
64 64 345,815,444 1,247,300 4,627,503 5,874,803 65 340,017,941
65 65 344,551,513 1,263,930 4,610,873 5,874,803 66 338,754,010
66 66 343,270,730 1,280,783 4,594,020 5,874,803 67 337,473,228
67 67 341,972,871 1,297,860 4,576,943 5,874,803 68 336,175,368
68 68 340,657,706 1,315,165 4,559,638 5,874,803 69 334,860,203
69 69 339,325,006 1,332,700 4,542,103 5,874,803 70 333,527,503
70 70 337,974,536 1,350,470 4,524,333 5,874,803 71 332,177,033
71 71 336,606,060 1,368,476 4,506,327 5,874,803 72 330,808,557
72 72 335,219,338 1,386,722 4,488,081 5,874,803 73 329,421,835
73 73 333,814,126 1,405,212 4,469,591 5,874,803 74 328,016,623
74 74 332,390,178 1,423,948 4,450,855 5,874,803 75 326,592,675
75 75 330,947,244 1,442,934 4,431,869 5,874,803 76 325,149,742
76 76 329,485,071 1,462,173 4,412,630 5,874,803 77 323,687,568
77 77 328,003,403 1,481,669 4,393,134 5,874,803 78 322,205,900
78 78 326,501,978 1,501,424 4,373,379 5,874,803 79 320,704,476
79 79 324,980,535 1,521,443 4,353,360 5,874,803 80 319,183,032
80 80 323,438,806 1,541,729 4,333,074 5,874,803 81 317,641,303
81 81 321,876,520 1,562,286 4,312,517 5,874,803 82 316,079,018
82 82 320,293,404 1,583,116 4,291,687 5,874,803 83 314,495,902
83 83 318,689,180 1,604,224 4,270,579 5,874,803 84 312,891,677
84 84 317,063,566 1,625,614 4,249,189 5,874,803 85 311,266,063
85 85 315,416,278 1,647,289 4,227,514 5,874,803 86 309,618,775
86 86 313,747,025 1,669,253 4,205,550 5,874,803 87 307,949,522
87 87 312,055,516 1,691,509 4,183,294 5,874,803 88 306,258,013
88 88 310,341,453 1,714,063 4,160,740 5,874,803 89 304,543,950
89 89 308,604,536 1,736,917 4,137,886 5,874,803 90 302,807,033
90 90 306,844,460 1,760,076 4,114,727 5,874,803 91 301,046,957
91 91 305,060,917 1,783,543 4,091,259 5,874,803 92 299,263,414
92 92 303,253,593 1,807,324 4,067,479 5,874,803 93 297,456,090
93 93 301,422,171 1,831,422 4,043,381 5,874,803 94 295,624,668
94 94 299,566,330 1,855,841 4,018,962 5,874,803 95 293,768,827
95 95 297,685,745 1,880,585 3,994,218 5,874,803 96 291,888,242
96 96 295,780,085 1,905,660 3,969,143 5,874,803 97 289,982,582
97 97 293,849,017 1,931,068 3,943,734 5,874,803 98 288,051,514
98 98 291,892,201 1,956,816 3,917,987 5,874,803 99 286,094,698
99 99 289,909,294 1,982,907 3,891,896 5,874,803 100 284,111,791
100 100 287,899,948 2,009,346 3,865,457 5,874,803 101 282,102,445
101 101 285,863,811 2,036,137 3,838,666 5,874,803 102 280,066,308
102 102 283,800,526 2,063,285 3,811,517 5,874,803 103 278,003,023
103 103 281,709,730 2,090,796 3,784,007 5,874,803 104 275,912,227
104 104 279,591,056 2,118,673 3,756,130 5,874,803 105 273,793,553
105 105 277,444,134 2,146,922 3,727,881 5,874,803 106 271,646,631
106 106 275,268,586 2,175,548 3,699,255 5,874,803 107 269,471,083
107 107 273,064,031 2,204,555 3,670,248 5,874,803 108 267,266,528
108 108 270,830,082 2,233,949 3,640,854 5,874,803 109 265,032,579
109 109 268,566,347 2,263,735 3,611,068 5,874,803 110 262,768,844
110 110 266,272,428 2,293,918 3,580,885 5,874,803 111 260,474,925
111 111 263,947,924 2,324,504 3,550,299 5,874,803 112 258,150,421
112 112 261,592,427 2,355,497 3,519,306 5,874,803 113 255,794,924
113 113 259,205,523 2,386,904 3,487,899 5,874,803 114 253,408,020
114 114 256,786,794 2,418,729 3,456,074 5,874,803 115 250,989,291
115 115 254,335,815 2,450,979 3,423,824 5,874,803 116 248,538,312
116 116 251,852,156 2,483,659 3,391,144 5,874,803 117 246,054,653
117 117 249,335,382 2,516,774 3,358,029 5,874,803 118 243,537,879
118 118 246,785,051 2,550,331 3,324,472 5,874,803 119 240,987,548
119 119 244,200,715 2,584,336 3,290,467 5,874,803 120 238,403,212
120 120 241,581,922 2,618,793 3,256,010 5,874,803
158,418,078 546,558,278 704,976,356
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 5,797,503
Tot P+B ###
Tot Bunga 643,550,527

pokok x suku bunga

12

AngPokok Bunga Angsuran

5,797,503 - 5,797,503
541,470 5,256,033 5,797,503
548,689 5,248,814 5,797,503
556,005 5,241,498 5,797,503
563,418 5,234,084 5,797,503
570,931 5,226,572 5,797,503
578,543 5,218,960 5,797,503
586,257 5,211,246 5,797,503
594,074 5,203,429 5,797,503
601,995 5,195,508 5,797,503
610,021 5,187,482 5,797,503
618,155 5,179,348 5,797,503
626,397 5,171,106 5,797,503
634,749 5,162,754 5,797,503
643,212 5,154,291 5,797,503
651,789 5,145,714 5,797,503
660,479 5,137,024 5,797,503
669,285 5,128,218 5,797,503
678,209 5,119,294 5,797,503
687,252 5,110,251 5,797,503
696,415 5,101,088 5,797,503
705,701 5,091,802 5,797,503
715,110 5,082,393 5,797,503
724,645 5,072,858 5,797,503
734,307 5,063,196 5,797,503
744,098 5,053,405 5,797,503
754,019 5,043,484 5,797,503
764,073 5,033,430 5,797,503
774,260 5,023,243 5,797,503
784,584 5,012,919 5,797,503
795,045 5,002,458 5,797,503
805,645 4,991,857 5,797,503
 816,387 4,981,116 5,797,503
827,273 4,970,230 5,797,503
838,303 4,959,200 5,797,503
849,480 4,948,023 5,797,503
860,807 4,936,696 5,797,503
872,284 4,925,219 5,797,503
883,915 4,913,588 5,797,503
895,700 4,901,803 5,797,503
907,643 4,889,860 5,797,503
919,745 4,877,758 5,797,503
932,008 4,865,495 5,797,503
944,435 4,853,068 5,797,503
957,027 4,840,476 5,797,503
969,787 4,827,715 5,797,503
982,718 4,814,785 5,797,503
995,821 4,801,682 5,797,503
1,009,099 4,788,404 5,797,503
1,022,553 4,774,950 5,797,503
1,036,187 4,761,316 5,797,503
1,050,003 4,747,500 5,797,503
1,064,003 4,733,500 5,797,503
1,078,190 4,719,313 5,797,503
1,092,566 4,704,937 5,797,503
1,107,133 4,690,370 5,797,503
1,121,895 4,675,608 5,797,503
1,136,854 4,660,649 5,797,503
1,152,012 4,645,491 5,797,503
1,167,372 4,630,131 5,797,503
1,182,937 4,614,566 5,797,503
1,198,709 4,598,794 5,797,503
1,214,692 4,582,811 5,797,503
1,230,888 4,566,615 5,797,503
1,247,300 4,550,203 5,797,503
1,263,930 4,533,573 5,797,503
1,280,783 4,516,720 5,797,503
1,297,860 4,499,643 5,797,503
1,315,165 4,482,338 5,797,503
1,332,700 4,464,803 5,797,503
1,350,470 4,447,033 5,797,503
1,368,476 4,429,027 5,797,503
1,386,722 4,410,781 5,797,503
1,405,212 4,392,291 5,797,503
1,423,948 4,373,555 5,797,503
1,442,934 4,354,569 5,797,503
1,462,173 4,335,330 5,797,503
1,481,669 4,315,834 5,797,503
1,501,424 4,296,079 5,797,503
1,521,443 4,276,060 5,797,503
1,541,729 4,255,774 5,797,503
1,562,286 4,235,217 5,797,503
 1,583,116 4,214,387 5,797,503
1,604,224 4,193,279 5,797,503
1,625,614 4,171,889 5,797,503
1,647,289 4,150,214 5,797,503
1,669,253 4,128,250 5,797,503
1,691,509 4,105,994 5,797,503
1,714,063 4,083,440 5,797,503
1,736,917 4,060,586 5,797,503
1,760,076 4,037,427 5,797,503
1,783,543 4,013,959 5,797,503
1,807,324 3,990,179 5,797,503
1,831,422 3,966,081 5,797,503
1,855,841 3,941,662 5,797,503
1,880,585 3,916,918 5,797,503
1,905,660 3,891,843 5,797,503
1,931,068 3,866,434 5,797,503
1,956,816 3,840,687 5,797,503
1,982,907 3,814,596 5,797,503
2,009,346 3,788,157 5,797,503
2,036,137 3,761,366 5,797,503
2,063,285 3,734,217 5,797,503
2,090,796 3,706,707 5,797,503
2,118,673 3,678,830 5,797,503
2,146,922 3,650,581 5,797,503
2,175,548 3,621,955 5,797,503
2,204,555 3,592,948 5,797,503
2,233,949 3,563,554 5,797,503
2,263,735 3,533,768 5,797,503
2,293,918 3,503,585 5,797,503
2,324,504 3,472,999 5,797,503
2,355,497 3,442,006 5,797,503
2,386,904 3,410,599 5,797,503
2,418,729 3,378,774 5,797,503
2,450,979 3,346,524 5,797,503
2,483,659 3,313,844 5,797,503
2,516,774 3,280,729 5,797,503
2,550,331 3,247,172 5,797,503
2,584,336 3,213,167 5,797,503
161,596,788 534,103,563 695,700,351
 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