Kalkulator Cicilan, Flat vs Efektif
Flat: total bunga = pokok × bunga% × tenor. Efektif anuitas OJK: angsuran = P·r·(1+r)^n / ((1+r)^n − 1). Bandingkan, pilih yang paling ringan.
14,4%/tahun = 1,2%/bln
ANGSURAN
Rp 899.754
12 bulan · efektif
TOTAL BUNGA
Rp 797.053
Anuitas OJK
TOTAL BAYAR
Rp 10.797.053
Pokok + bunga
SELISIH FLAT vs EFEKTIF
Rp 642.947
Flat lebih mahal
CATATAN OJK
Flat cocok untuk perbandingan kasar, tapi bank pakai efektif anuitas. Selisih bisa jutaan, cek kedua tabel sebelum tanda tangan.
Gratis selamanya. Bantu keep alive via Sociabuzz.
Donasi SociabuzzAUTO-SAVE · IndexedDB · umkm-cicilan-v1
LIVE PREVIEW, 1:1 PDF
TABEL ANGSURAN, EFEKTIFAnuitas · 1.2%/bln
ANGSURAN
Rp 899.754
TOTAL BUNGA
Rp 797.053
TOTAL BAYAR
Rp 10.797.053
| BLN | ANGSURAN | BUNGA | POKOK | SISA |
|---|---|---|---|---|
| 1 | 899.754 | 120.000 | 779.754 | 9.220.246 |
| 2 | 899.754 | 110.643 | 789.111 | 8.431.135 |
| 3 | 899.754 | 101.174 | 798.580 | 7.632.555 |
| 4 | 899.754 | 91.591 | 808.163 | 6.824.392 |
| 5 | 899.754 | 81.893 | 817.861 | 6.006.531 |
| 6 | 899.754 | 72.078 | 827.676 | 5.178.855 |
| 7 | 899.754 | 62.146 | 837.608 | 4.341.247 |
| 8 | 899.754 | 52.095 | 847.659 | 3.493.588 |
| 9 | 899.754 | 41.923 | 857.831 | 2.635.757 |
| 10 | 899.754 | 31.629 | 868.125 | 1.767.632 |
| 11 | 899.754 | 21.212 | 878.542 | 889.090 |
| 12 | 899.759 | 10.669 | 889.090 | 0 |
FLAT
Rp 953.333/bln
Bunga 1.440.000
EFEKTIF
Rp 899.754/bln
Bunga 797.053
Preview 1:1 dengan PDF, tabel identik.