Panduan Cara Menghitung Cicilan KPR Per Bulan dengan Mudah
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Terakhir diperbarui 05 Nopember 2024 · 5 min read · by Miyanti Rahman
Sebelum mengajukan Kredit Pemilikan Rumah (KPR), sebaiknya ketahui dulu cara menghitung cicilan KPR per bulan.
Nah, untuk memulainya Anda juga perlu informasi tentang jenis suku bunga KPR. Pasalnya, rate ini sangat mempengaruhi besar atau kecilnya cicilan.
Makin panjang tenor yang Anda pilih, makin besar pula suku bunga yang dikenakan. Sebaliknya, makin pendek tenor, makin kecil rate-nya.
Tidak perlu berlama-lama, berikut uraian tentang jenis suku bunga yang digunakan untuk cicilan kredit rumah mulai dari fixed sampai gabungan.
Simulasi KPR Bank OCBC
Hitung pembiayaan KPR Bank OCBC dengan bunga terbaik di Rumah123
Rp
%
Rp
Bunga Fix
4.75%
Tenor maks.
25 tahun
Bunga Fix
5.75%
Tenor maks.
25 tahun
Bunga Fix
6.75%
Tenor maks.
25 tahun
Bunga Fix
7.75%
Tenor maks.
25 tahun
Angsuran/bulan mulai dari
Memuat hasil simulasi...
Tahun ke-1
Bunga 4.75%
Rp. 1.368.282
Tahun ke-2 dan Seterusnya
Estimasi Bunga 12%
Rp. 2.490.518
Jenis Suku Bunga KPR
Suku Bunga Fixed
Suku bunga ini memberikan kepastian angsuran. Jika digunakan, maka cicilan per bulan tetap sampai akhir masa kredit rumah, sehingga cara hitung suku bunga KPRfixed pun mudah!
Kelebihan
Debitur mendapatkan kepastian angsuran.
Bebas biaya penalti apabila melunasi cicilan di tengah masa tenor.
Tak akan dipengaruhi oleh kondisi ekonomi negara yang fluktuatif.
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Kekurangan
Cara menghitung bunga KPRfixed memang mudah sebab angsuran tetap. Namun nilai angsuran terkadang sedikit lebih tinggi dibandingkan jenis suku bunga lainnya.
Apabila terjadi penurunan suku bunga Bank Indonesia (BI), debitur tak bisa menikmatinya.
Suku bunga kredit terbilang mahal dan tak berlaku pengurangan cicilan saat suku bunga pasar berada di bawahnya.
Cara Menghitung Suku Bunga KPR per Bulan dan Total Angsuran
Cara Menghitung Cicilan dengan Simulasi KPR Fixed Rate
Misalnya, Anda membeli rumah di Kemang Eminence yang detailnya bisa dilihat di atas dengan skema bayar kredit. Kemudian, bank menetapkan fixed rate 5% per bulan sampai akhir.
Hunian di perumahan itu dibanderol harga Rp1.150.000.000. Asumsikan developer memberikan promo uang muka 0% dan gratisbiaya lainnya.
Kemudian, Anda mengambil tenor kredit 20 tahun atau 240 bulan. Nah, berikut cara menghitung angsuran pokok KPR.
Harga Pokok Rumah / Tenor dalam Satuan Bulan = Rp1.150.000.000 / 240 = Rp4.791.667 per bulan.
Maka besar bunga fixed-nya yaitu:
(Rp1.150.000.000 X 5% X 20) / 240 bulan = Rp4.791.667.
Jadi total cicilan KPR rumah Kemang Eminence yang harus dibayar adalah Rp4.791.667 + Rp4.791.667 = Rp9.583.334.
Jadi berapa cicilan KPR per bulan? Nah selama 20 tahun Anda akan membayar cicilan KPR dengan jumlah yang sama setiap bulannya, yakni Rp9.583.334.
Begitulah tata cara menghitung cicilan KPR secara manual dengan bunga tetap.
Simulasi Cara Hitung Bunga KPR Floating Rate
Simulasi KPR floating rate tidak jauh berbeda dengan fixed rate. Namun, nasabah pasti harus menghitungnya secara berkala sesuai tren rate pasar.
Misalnya, Anda mengambil rumah KPR di Parkland Podomoro dengan harga Rp900.000.000,00. Kredit rumah menggunakan KPR Mandiri.
KPR Mandiri menawarkan fixed rate satu tahun sebesar 4.5% dan tenor maksimal 20 tahun. Berikut besar cicilan per bulan selama setahun.
Rp900.000.000,00 / 240 = Rp3.750.000,00
(Rp900.000.000,00 x 4.5% x 1) / 12 bulan = Rp3.375.000,00
Jadi angsuran KPR selama satu tahun adalah Rp7.125.000 per bulan. Tahun berikutnya nasabah dikenai bunga fluktuatif sebesar 8%.
Maka jumlah bunga cicilan per bulan menjadi (Rp900.000.000,00 x 8% x 1) / 12 bulan = Rp6.000.000,00 ditambah cicilan pokok Rp3.750.000,00.
Total cicilan tahun ke dua pun menjadi Rp9.750.000,00 per bulan. Begitu seterusnya, perhitungan disesuaikan dengan tren suku bunga pasar.
Apabila penasaran dengan detail perumahan Parkland Podomoro, silakan lihat di bawah.
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