Bank BCA
Angsuran mulai dari
Rp. 1.179.200
Bank Mandiri
Angsuran mulai dari
Rp. 1.283.491
Bank BTN
Angsuran mulai dari
Rp. 1.422.932
*Perhitungan angsuran berdasarkan tenor maksimal, harga rumah Rp 300 juta, dan uang muka 20%.
Lihat Semua Bank
Baca juga:
Inilah Syarat KPR untuk Rumah Komersil dan Subsidi
4. Suku Bunga Gabungan
Suku bunga gabungan adalah suku bunga rumah yang mengombinasikan perhitungan fixed and floating . Bagaimana penerapannya?
Begini, misalnya kamu mengajukan cicilan dengan tenor 15 tahun. Lalu bank menawarkan skema hitung bunga KPR sebagai berikut.
5% fixed di tiga tahun pertama;
10%,5% capped dua tahun berikutnya; dan
10 tahun sisanya menggunakan floating rate .
Itu berarti bunga KPR per tahun tetap pada tiga tahun pertama walaupun suku bunga pasar naik ataupun turun di bawah 5%.
Dua tahun berikutnya bunga rumah mengikuti tren rate pasar. Namun, tidak akan melebihi batas yang ditetapkan oleh bank, yakni 10,5%.
Tahun keenam dan seterusnya, bunga cicilan KPR akan benar-benar tergantung pada situasi rate pasar. Nah, begitulah suku bunga gabungan.
Nah, apabila mencari opsi bank dan bunga KPR yang pas di budget , kamu bisa diskusi dengan Rumah123 aja. Kendala KPR apa pun, pasti ada jawabannya!
Lalu bagaimana cara menghitung cicilan KPR? Berikut penjelasan selengkapnya.
Baca juga:
7 Cara Jitu Lolos KPR untuk Pasangan Muda
Cara Menghitung Suku Bunga KPR per Bulan dan Total Angsuran
1. Cara Menghitung Cicilan dengan Simulasi KPR Fixed Rate
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Misalnya, kamu membeli unit di Klaska Residence dengan skema pembayaran kredit.
Kemudian, bank menetapkan fixed rate sebesar 5% hingga akhir tenor.
Unit apartemen di Klaska Residence dibanderol dengan harga Rp749.000.000.
Asumsikan developer memberikan promo uang muka 0% dan gratis biaya lainnya.
Kemudian, kamu mengambil tenor kredit selama 20 tahun atau 240 bulan.
Berikut cara menghitung angsuran pokok KPR:
Harga Pokok Properti / Tenor dalam Satuan Bulan = Rp749.000.000 / 240 = Rp3.120.833 per bulan.
Maka besar bunga fixed -nya yaitu:
(Rp749.000.000 × 5% × 20) / 240 bulan = Rp3.120.833.
Jadi total cicilan KPR yang harus dibayar adalah Rp3.120.833 + Rp3.120.833 = Rp6.241.666 per bulan.
Selama 20 tahun, kamu akan membayar cicilan KPR dengan jumlah yang sama setiap bulannya, yakni sekitar Rp6.241.666.
Begitulah cara menghitung cicilan KPR secara manual dengan skema bunga tetap.
2. Simulasi Cara Hitung Bunga KPR Floating Rate
Simulasi KPR dengan skema floating rate pada dasarnya tidak jauh berbeda dengan fixed rate .
Namun, besaran cicilan dapat berubah sehingga perlu dihitung secara berkala mengikuti tren suku bunga pasar.
Misalnya, kamu mengambil rumah KPR di Grand City Balikpapan dengan harga Rp1.450.000.000 menggunakan KPR Mandiri .
KPR Mandiri menawarkan fixed rate satu tahun sebesar 4,5% dengan tenor maksimal 20 tahun.
Berikut estimasi cicilan per bulan selama satu tahun:
Rp1.450.000.000 / 240 = Rp6.041.667
(Rp1.450.000.000 x 4,5% x 1) / 12 = Rp5.437.500
Adapun, total angsuran KPR selama satu tahun adalah sekitar Rp11.479.167 per bulan.
Pada tahun berikutnya, nasabah dikenai bunga floating sebesar 8%.
Perhitungan bunga cicilan per bulan menjadi:
(Rp1.450.000.000 x 8% x 1) / 12 = Rp9.666.667, ditambah cicilan pokok Rp6.041.667
Total cicilan pada tahun kedua menjadi sekitar Rp15.708.334 per bulan.
Besaran ini akan terus menyesuaikan dengan perubahan suku bunga yang berlaku.
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Baca juga:
Cara Menghitung KPR yang Mudah sebelum Ajukan Kredit Rumah
3. Cara Hitung KPR Rumah dengan Simulasi KPR Capped Rate dan Gabungan
Tata cara menghitung KPR dengan suku bunga capped dan gabungan sama seperti di atas.
Kamu hanya tinggal menyesuaikan saja rate -nya.
Selain menghitung secara manual, kamu pun dapat menggunakan kalkulator simulasi KPR otomatis dari Rumah123.
Dengan begitu kamu bisa mencoba cara menghitung KPR rumah dengan mudah dan cepat! Silakan akses kalkulator tersebut di halaman Simulasi KPR .
Baca juga:
Mengenal Cara Perhitungan KPR Rumah dan Istilah-istilahnya
Tabel Ringkasan Cara Menghitung Cicilan KPR
Jenis Suku Bunga Karakteristik Kelebihan Kekurangan Fixed Bunga tetap selama periode tertentu Cicilan stabil dan mudah dihitung Tidak ikut turun saat bunga pasar turun Floating Bunga mengikuti kondisi pasar Bisa lebih murah saat bunga turun Cicilan bisa naik sewaktu-waktu Capped Floating dengan batas maksimal Lebih aman dari kenaikan ekstrem Tetap bisa naik hingga batas tertentu Kombinasi Gabungan beberapa jenis bunga Fleksibel dan umum digunakan Skema lebih kompleks
FAQ Suku Bunga KPR
Apa jenis suku bunga KPR yang paling aman? Suku bunga fixed paling aman di awal karena cicilan tetap dan tidak terpengaruh kondisi pasar.
Kenapa bunga floating dianggap berisiko? Karena nilainya bisa naik mengikuti kondisi ekonomi dan kebijakan bank, sehingga cicilan tidak stabil.
Apa keuntungan suku bunga capped? Memberikan perlindungan karena bunga tidak akan naik melebihi batas yang ditentukan bank.
Apa itu suku bunga kombinasi? Skema gabungan antara fixed, capped, dan floating dalam periode tertentu selama tenor KPR.
Lebih baik pilih tenor panjang atau pendek? Tenor panjang cocok untuk cicilan ringan, sedangkan tenor pendek lebih hemat total bunga.
Semoga informasi ini dapat membantu kamu mewujudkan rumah impian.
Sedang mencari rumah idaman? Kunjungi Rumah123 sekarang juga.
Tersedia banyak pilihan rumah dengan lokasi dan harga bervariasi, karena #RumahUntukSemua.
Masih ada pertanyaan tentang cara hitung cicilan KPR? Yuk, tanya dan diskusi di Teras123 untuk cari tahu jawabannya!