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karaengjames

03-03-2013 17:17

[Help] menolong atau menjerat

ane butuh penjelasan gan dari orang2 yang mengerti soal perbankan khsusnya perkreditan(maap klo salah kamar).

semisal :
pokok pinjaman Rp100jt
bungan 0.95%/bulan
lama angsuran 60 bulan

dengan illustrasi bunga tetap

maka angsuran perbulan = (pokok pinjamanxbunga)+(pokok pinjaman:sisa bulan angsuran)
100jtx0.95%+100jt/60=Rp2.616.666,67

gw bayar tiap bulan = Rp2.616.666,67 selama 60 bulan

tapi pemahan gw gini gan:

Spoiler for pemahaman ane gan:

Bulan/pokok/bunga/margin/pokok_terbayar/total_angsuran
1 100,000,000.00 IDR 0.95% $950,000.00 $1,666,666.67 $2,616,666.67
2 98,333,333.33 IDR 0.95% $934,166.67 $1,666,666.67 $2,600,833.33
3 96,666,666.67 IDR 0.95% $918,333.33 $1,666,666.67 $2,585,000.00
4 95,000,000.00 IDR 0.95% $902,500.00 $1,666,666.67 $2,569,166.67
5 93,333,333.33 IDR 0.95% $886,666.67 $1,666,666.67 $2,553,333.33
6 91,666,666.67 IDR 0.95% $870,833.33 $1,666,666.67 $2,537,500.00
7 90,000,000.00 IDR 0.95% $855,000.00 $1,666,666.67 $2,521,666.67
8 88,333,333.33 IDR 0.95% $839,166.67 $1,666,666.67 $2,505,833.33
9 86,666,666.67 IDR 0.95% $823,333.33 $1,666,666.67 $2,490,000.00
10 85,000,000.00 IDR 0.95% $807,500.00 $1,666,666.67 $2,474,166.67
11 83,333,333.33 IDR 0.95% $791,666.67 $1,666,666.67 $2,458,333.33
12 81,666,666.67 IDR 0.95% $775,833.33 $1,666,666.67 $2,442,500.00
13 80,000,000.00 IDR 0.95% $760,000.00 $1,666,666.67 $2,426,666.67
14 78,333,333.33 IDR 0.95% $744,166.67 $1,666,666.67 $2,410,833.33
15 76,666,666.67 IDR 0.95% $728,333.33 $1,666,666.67 $2,395,000.00
16 75,000,000.00 IDR 0.95% $712,500.00 $1,666,666.67 $2,379,166.67
17 73,333,333.33 IDR 0.95% $696,666.67 $1,666,666.67 $2,363,333.33
18 71,666,666.67 IDR 0.95% $680,833.33 $1,666,666.67 $2,347,500.00
19 70,000,000.00 IDR 0.95% $665,000.00 $1,666,666.67 $2,331,666.67
20 68,333,333.33 IDR 0.95% $649,166.67 $1,666,666.67 $2,315,833.33
21 66,666,666.67 IDR 0.95% $633,333.33 $1,666,666.67 $2,300,000.00
22 65,000,000.00 IDR 0.95% $617,500.00 $1,666,666.67 $2,284,166.67
23 63,333,333.33 IDR 0.95% $601,666.67 $1,666,666.67 $2,268,333.33
24 61,666,666.67 IDR 0.95% $585,833.33 $1,666,666.67 $2,252,500.00
25 60,000,000.00 IDR 0.95% $570,000.00 $1,666,666.67 $2,236,666.67
26 58,333,333.33 IDR 0.95% $554,166.67 $1,666,666.67 $2,220,833.33
27 56,666,666.67 IDR 0.95% $538,333.33 $1,666,666.67 $2,205,000.00
28 55,000,000.00 IDR 0.95% $522,500.00 $1,666,666.67 $2,189,166.67
29 53,333,333.33 IDR 0.95% $506,666.67 $1,666,666.67 $2,173,333.33
30 51,666,666.67 IDR 0.95% $490,833.33 $1,666,666.67 $2,157,500.00
31 50,000,000.00 IDR 0.95% $475,000.00 $1,666,666.67 $2,141,666.67
32 48,333,333.33 IDR 0.95% $459,166.67 $1,666,666.67 $2,125,833.33
33 46,666,666.67 IDR 0.95% $443,333.33 $1,666,666.67 $2,110,000.00
34 45,000,000.00 IDR 0.95% $427,500.00 $1,666,666.67 $2,094,166.67
35 43,333,333.33 IDR 0.95% $411,666.67 $1,666,666.67 $2,078,333.33
36 41,666,666.67 IDR 0.95% $395,833.33 $1,666,666.67 $2,062,500.00
37 40,000,000.00 IDR 0.95% $380,000.00 $1,666,666.67 $2,046,666.67
38 38,333,333.33 IDR 0.95% $364,166.67 $1,666,666.67 $2,030,833.33
39 36,666,666.67 IDR 0.95% $348,333.33 $1,666,666.67 $2,015,000.00
40 35,000,000.00 IDR 0.95% $332,500.00 $1,666,666.67 $1,999,166.67
41 33,333,333.33 IDR 0.95% $316,666.67 $1,666,666.67 $1,983,333.33
42 31,666,666.67 IDR 0.95% $300,833.33 $1,666,666.67 $1,967,500.00
43 30,000,000.00 IDR 0.95% $285,000.00 $1,666,666.67 $1,951,666.67
44 28,333,333.33 IDR 0.95% $269,166.67 $1,666,666.67 $1,935,833.33
45 26,666,666.67 IDR 0.95% $253,333.33 $1,666,666.67 $1,920,000.00
46 25,000,000.00 IDR 0.95% $237,500.00 $1,666,666.67 $1,904,166.67
47 23,333,333.33 IDR 0.95% $221,666.67 $1,666,666.67 $1,888,333.33
48 21,666,666.67 IDR 0.95% $205,833.33 $1,666,666.67 $1,872,500.00
49 20,000,000.00 IDR 0.95% $190,000.00 $1,666,666.67 $1,856,666.67
50 18,333,333.33 IDR 0.95% $174,166.67 $1,666,666.67 $1,840,833.33
51 16,666,666.67 IDR 0.95% $158,333.33 $1,666,666.67 $1,825,000.00
52 15,000,000.00 IDR 0.95% $142,500.00 $1,666,666.67 $1,809,166.67
53 13,333,333.33 IDR 0.95% $126,666.67 $1,666,666.67 $1,793,333.33
54 11,666,666.67 IDR 0.95% $110,833.33 $1,666,666.67 $1,777,500.00
55 10,000,000.00 IDR 0.95% $95,000.00 $1,666,666.67 $1,761,666.67
56 8,333,333.33 IDR 0.95% $79,166.67 $1,666,666.67 $1,745,833.33
57 6,666,666.67 IDR 0.95% $63,333.33 $1,666,666.67 $1,730,000.00
58 5,000,000.00 IDR 0.95% $47,500.00 $1,666,666.67 $1,714,166.67
59 3,333,333.33 IDR 0.95% $31,666.67 $1,666,666.67 $1,698,333.33
60 1,666,666.67 IDR 0.95% $15,833.33 $1,666,666.67 $1,682,500.00

dari rumus diatas jelas mengatakan bahwa
angsuran = pokok*bunga+pokok/sisa bulan angsuran

kenapa mesti tetap membayar = Rp2.616.666,67 selama 60 bulan, sedangkan pokok pinjaman berkurang tiap membayar angsuran
sekiranya ada kaskuser yang bisa menjelaskan kenapa seperti itu???

ini umumnya diterapkan pada bank2 yang menetapkan angsuran flat dengan bunga flat

note: maap klo muncul $ padahal yang gw copas dari LOC dah IDR

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