KPR 200 Juta Tenor 10 Tahun
Pinjaman Rp200 juta tenor 10 tahun: cicilan fixed, cap, dan floating.
Hasil. Cicilan Awal per Bulan (Fase Fixed) pada skenario ini adalah Rp1.977.717. Artinya, cicilan awal Rp1.977.717. Saat masuk floating, cicilan menjadi Rp2.449.069 — naik 23,83%. Total bunga Rp72.311.802.
Cara hitung. Kalkulator ini mensimulasikan cicilan KPR-mu per fase bunga: fixed di awal, lalu cap, lalu floating. Setiap fase berganti, cicilan dihitung ulang dari sisa pokok dan sisa tenor — jadi kamu bisa melihat persis kapan cicilan melonjak dan menyiapkan strateginya. Rincian: Pokok pinjaman Rp200.000.000; Total bunga (fixed+cap+floating) Rp72.311.802; Total pembayaran Rp272.311.802.
Aturan. Perhitungan di atas mengacu pada Praktik perbankan Indonesia & transparansi SBDK Bank Indonesia (terverifikasi 2026-10-18). Coba ubah angkanya di kalkulator Kalkulator KPR Bunga Berjenjang (Fixed → Cap → Floating).
Data terverifikasi. Dasar hukum: Praktik perbankan Indonesia & transparansi SBDK Bank Indonesia · diverifikasi 2026-10-18
Cicilan Awal per Bulan (Fase Fixed)
Rp1.977.717
Cicilan awal Rp1.977.717. Saat masuk floating, cicilan menjadi Rp2.449.069 — naik 23,83%. Total bunga Rp72.311.802.
💡 Fakta Mengejutkan dari Angkamu
💡 Tahukah kamu? Total bunga yang kamu bayarkan ke bank selama masa KPR ini mencapai Rp72.311.802 (36,2% dari pokok pinjamanmu!).
Hasil Hitungan
| + Pokok pinjaman | Rp200.000.000 | 100,0% |
| + Total bunga (fixed+cap+floating) | Rp72.311.802 | 36,2% |
| Total pembayaran | Rp272.311.802 | 136,2% |
| Cicilan fase floating | Rp2.449.069 |
+ Pokok pinjaman
Rp200.000.000
+ Total bunga (fixed+cap+floating)
Rp72.311.802
Total pembayaran
Rp272.311.802
Cicilan fase floating
Rp2.449.069
100% Gratis.
Lihat Cara Hitung & Aturan Resminya
Cicilan Anuitas = P × r(1+r)^n / ((1+r)^n − 1), r = bunga tahunan ÷ 12, n = sisa tenor (bulan) Setiap pergantian fase (fixed → cap → floating), cicilan dihitung ulang dari sisa pokok & sisa tenor dengan bunga fase baru.
- Fase fixed 3,50% selama 3 th → cicilan awal Rp1.977.717 (anuitas dari Rp200.000.000, sisa tenor 120 bln)
- Fase cap 7,50% selama 2 th, cicilan dihitung ulang dari sisa pokok
- Fase floating 11,00% → cicilan Rp2.449.069
- Total bunga sepanjang tenor = Rp72.311.802
Asumsi & Batasan
- Bunga floating diasumsikan konstan di angka input selama sisa tenor (kenyataannya mengikuti SBDK/BI-Rate dan ditinjau bank berkala).
- Belum termasuk asuransi jiwa/kebakaran, provisi, dan penalti pelunasan.
- Pembayaran tepat waktu tanpa tunggakan.
Jadwal Bulanan (120 baris)
| Bulan | Fase | Cicilan | Bunga | Pokok | Sisa |
|---|---|---|---|---|---|
| 1 | 1 | 1.977.717 | 583.333 | 1.394.384 | 198.605.616 |
| 2 | 1 | 1.977.717 | 579.266 | 1.398.451 | 197.207.165 |
| 3 | 1 | 1.977.717 | 575.188 | 1.402.530 | 195.804.635 |
| 4 | 1 | 1.977.717 | 571.097 | 1.406.620 | 194.398.015 |
| 5 | 1 | 1.977.717 | 566.994 | 1.410.723 | 192.987.292 |
| 6 | 1 | 1.977.717 | 562.880 | 1.414.838 | 191.572.454 |
| 7 | 1 | 1.977.717 | 558.753 | 1.418.964 | 190.153.489 |
| 8 | 1 | 1.977.717 | 554.614 | 1.423.103 | 188.730.386 |
| 9 | 1 | 1.977.717 | 550.464 | 1.427.254 | 187.303.133 |
| 10 | 1 | 1.977.717 | 546.301 | 1.431.417 | 185.871.716 |
| 11 | 1 | 1.977.717 | 542.126 | 1.435.592 | 184.436.125 |
| 12 | 1 | 1.977.717 | 537.939 | 1.439.779 | 182.996.346 |
| 13 | 1 | 1.977.717 | 533.739 | 1.443.978 | 181.552.368 |
| 14 | 1 | 1.977.717 | 529.528 | 1.448.190 | 180.104.178 |
| 15 | 1 | 1.977.717 | 525.304 | 1.452.413 | 178.651.765 |
| 16 | 1 | 1.977.717 | 521.068 | 1.456.650 | 177.195.115 |
| 17 | 1 | 1.977.717 | 516.819 | 1.460.898 | 175.734.217 |
| 18 | 1 | 1.977.717 | 512.558 | 1.465.159 | 174.269.058 |
| 19 | 1 | 1.977.717 | 508.285 | 1.469.433 | 172.799.625 |
| 20 | 1 | 1.977.717 | 503.999 | 1.473.718 | 171.325.907 |
| 21 | 1 | 1.977.717 | 499.701 | 1.478.017 | 169.847.890 |
| 22 | 1 | 1.977.717 | 495.390 | 1.482.328 | 168.365.562 |
| 23 | 1 | 1.977.717 | 491.066 | 1.486.651 | 166.878.911 |
| 24 | 1 | 1.977.717 | 486.730 | 1.490.987 | 165.387.924 |
| 25 | 1 | 1.977.717 | 482.381 | 1.495.336 | 163.892.588 |
| 26 | 1 | 1.977.717 | 478.020 | 1.499.697 | 162.392.891 |
| 27 | 1 | 1.977.717 | 473.646 | 1.504.071 | 160.888.819 |
| 28 | 1 | 1.977.717 | 469.259 | 1.508.458 | 159.380.361 |
| 29 | 1 | 1.977.717 | 464.859 | 1.512.858 | 157.867.503 |
| 30 | 1 | 1.977.717 | 460.447 | 1.517.270 | 156.350.233 |
| 31 | 1 | 1.977.717 | 456.022 | 1.521.696 | 154.828.537 |
| 32 | 1 | 1.977.717 | 451.583 | 1.526.134 | 153.302.403 |
| 33 | 1 | 1.977.717 | 447.132 | 1.530.585 | 151.771.817 |
| 34 | 1 | 1.977.717 | 442.668 | 1.535.050 | 150.236.768 |
| 35 | 1 | 1.977.717 | 438.191 | 1.539.527 | 148.697.241 |
| 36 | 1 | 1.977.717 | 433.700 | 1.544.017 | 147.153.224 |
| 37 | 2 | 2.257.077 | 919.708 | 1.337.369 | 145.815.855 |
| 38 | 2 | 2.257.077 | 911.349 | 1.345.728 | 144.470.127 |
| 39 | 2 | 2.257.077 | 902.938 | 1.354.138 | 143.115.989 |
| 40 | 2 | 2.257.077 | 894.475 | 1.362.602 | 141.753.387 |
| 41 | 2 | 2.257.077 | 885.959 | 1.371.118 | 140.382.269 |
| 42 | 2 | 2.257.077 | 877.389 | 1.379.688 | 139.002.581 |
| 43 | 2 | 2.257.077 | 868.766 | 1.388.311 | 137.614.271 |
| 44 | 2 | 2.257.077 | 860.089 | 1.396.988 | 136.217.283 |
| 45 | 2 | 2.257.077 | 851.358 | 1.405.719 | 134.811.564 |
| 46 | 2 | 2.257.077 | 842.572 | 1.414.504 | 133.397.060 |
| 47 | 2 | 2.257.077 | 833.732 | 1.423.345 | 131.973.715 |
| 48 | 2 | 2.257.077 | 824.836 | 1.432.241 | 130.541.474 |
| 49 | 2 | 2.257.077 | 815.884 | 1.441.193 | 129.100.281 |
| 50 | 2 | 2.257.077 | 806.877 | 1.450.200 | 127.650.081 |
| 51 | 2 | 2.257.077 | 797.813 | 1.459.264 | 126.190.818 |
| 52 | 2 | 2.257.077 | 788.693 | 1.468.384 | 124.722.433 |
| 53 | 2 | 2.257.077 | 779.515 | 1.477.562 | 123.244.872 |
| 54 | 2 | 2.257.077 | 770.280 | 1.486.796 | 121.758.076 |
| 55 | 2 | 2.257.077 | 760.988 | 1.496.089 | 120.261.987 |
| 56 | 2 | 2.257.077 | 751.637 | 1.505.439 | 118.756.548 |
| 57 | 2 | 2.257.077 | 742.228 | 1.514.848 | 117.241.699 |
| 58 | 2 | 2.257.077 | 732.761 | 1.524.316 | 115.717.383 |
| 59 | 2 | 2.257.077 | 723.234 | 1.533.843 | 114.183.540 |
| 60 | 2 | 2.257.077 | 713.647 | 1.543.430 | 112.640.110 |
| 61 | 3 | 2.449.069 | 1.032.534 | 1.416.535 | 111.223.576 |
| 62 | 3 | 2.449.069 | 1.019.549 | 1.429.519 | 109.794.056 |
| 63 | 3 | 2.449.069 | 1.006.446 | 1.442.623 | 108.351.433 |
| 64 | 3 | 2.449.069 | 993.221 | 1.455.847 | 106.895.585 |
| 65 | 3 | 2.449.069 | 979.876 | 1.469.193 | 105.426.393 |
| 66 | 3 | 2.449.069 | 966.409 | 1.482.660 | 103.943.732 |
| 67 | 3 | 2.449.069 | 952.818 | 1.496.251 | 102.447.481 |
| 68 | 3 | 2.449.069 | 939.102 | 1.509.967 | 100.937.514 |
| 69 | 3 | 2.449.069 | 925.261 | 1.523.808 | 99.413.706 |
| 70 | 3 | 2.449.069 | 911.292 | 1.537.777 | 97.875.929 |
| 71 | 3 | 2.449.069 | 897.196 | 1.551.873 | 96.324.056 |
| 72 | 3 | 2.449.069 | 882.971 | 1.566.098 | 94.757.958 |
| 73 | 3 | 2.449.069 | 868.615 | 1.580.454 | 93.177.503 |
| 74 | 3 | 2.449.069 | 854.127 | 1.594.942 | 91.582.561 |
| 75 | 3 | 2.449.069 | 839.507 | 1.609.562 | 89.972.999 |
| 76 | 3 | 2.449.069 | 824.752 | 1.624.316 | 88.348.683 |
| 77 | 3 | 2.449.069 | 809.863 | 1.639.206 | 86.709.477 |
| 78 | 3 | 2.449.069 | 794.837 | 1.654.232 | 85.055.245 |
| 79 | 3 | 2.449.069 | 779.673 | 1.669.396 | 83.385.849 |
| 80 | 3 | 2.449.069 | 764.370 | 1.684.699 | 81.701.150 |
| 81 | 3 | 2.449.069 | 748.927 | 1.700.142 | 80.001.009 |
| 82 | 3 | 2.449.069 | 733.343 | 1.715.726 | 78.285.282 |
| 83 | 3 | 2.449.069 | 717.615 | 1.731.454 | 76.553.828 |
| 84 | 3 | 2.449.069 | 701.743 | 1.747.326 | 74.806.503 |
| 85 | 3 | 2.449.069 | 685.726 | 1.763.343 | 73.043.160 |
| 86 | 3 | 2.449.069 | 669.562 | 1.779.507 | 71.263.654 |
| 87 | 3 | 2.449.069 | 653.250 | 1.795.819 | 69.467.835 |
| 88 | 3 | 2.449.069 | 636.788 | 1.812.280 | 67.655.554 |
| 89 | 3 | 2.449.069 | 620.176 | 1.828.893 | 65.826.661 |
| 90 | 3 | 2.449.069 | 603.411 | 1.845.658 | 63.981.003 |
| 91 | 3 | 2.449.069 | 586.493 | 1.862.576 | 62.118.427 |
| 92 | 3 | 2.449.069 | 569.419 | 1.879.650 | 60.238.777 |
| 93 | 3 | 2.449.069 | 552.189 | 1.896.880 | 58.341.897 |
| 94 | 3 | 2.449.069 | 534.801 | 1.914.268 | 56.427.629 |
| 95 | 3 | 2.449.069 | 517.253 | 1.931.816 | 54.495.813 |
| 96 | 3 | 2.449.069 | 499.545 | 1.949.524 | 52.546.289 |
| 97 | 3 | 2.449.069 | 481.674 | 1.967.395 | 50.578.894 |
| 98 | 3 | 2.449.069 | 463.640 | 1.985.429 | 48.593.465 |
| 99 | 3 | 2.449.069 | 445.440 | 2.003.629 | 46.589.836 |
| 100 | 3 | 2.449.069 | 427.074 | 2.021.995 | 44.567.841 |
| 101 | 3 | 2.449.069 | 408.539 | 2.040.530 | 42.527.311 |
| 102 | 3 | 2.449.069 | 389.834 | 2.059.235 | 40.468.075 |
| 103 | 3 | 2.449.069 | 370.957 | 2.078.112 | 38.389.964 |
| 104 | 3 | 2.449.069 | 351.908 | 2.097.161 | 36.292.803 |
| 105 | 3 | 2.449.069 | 332.684 | 2.116.385 | 34.176.418 |
| 106 | 3 | 2.449.069 | 313.284 | 2.135.785 | 32.040.633 |
| 107 | 3 | 2.449.069 | 293.706 | 2.155.363 | 29.885.270 |
| 108 | 3 | 2.449.069 | 273.948 | 2.175.121 | 27.710.149 |
| 109 | 3 | 2.449.069 | 254.010 | 2.195.059 | 25.515.090 |
| 110 | 3 | 2.449.069 | 233.888 | 2.215.181 | 23.299.909 |
| 111 | 3 | 2.449.069 | 213.583 | 2.235.486 | 21.064.423 |
| 112 | 3 | 2.449.069 | 193.091 | 2.255.978 | 18.808.444 |
| 113 | 3 | 2.449.069 | 172.411 | 2.276.658 | 16.531.786 |
| 114 | 3 | 2.449.069 | 151.541 | 2.297.528 | 14.234.259 |
| 115 | 3 | 2.449.069 | 130.481 | 2.318.588 | 11.915.670 |
| 116 | 3 | 2.449.069 | 109.227 | 2.339.842 | 9.575.828 |
| 117 | 3 | 2.449.069 | 87.778 | 2.361.291 | 7.214.538 |
| 118 | 3 | 2.449.069 | 66.133 | 2.382.936 | 4.831.602 |
| 119 | 3 | 2.449.069 | 44.290 | 2.404.779 | 2.426.823 |
| 120 | 3 | 2.449.069 | 22.246 | 2.426.823 | 0 |
Pertanyaan Umum
Kenapa cicilan naik saat floating?
Cicilan dihitung ulang dari sisa pokok dengan bunga floating yang biasanya jauh lebih tinggi (SBDK ± 9–13%). Pada contoh 500 jt/15 th, cicilan bisa naik >50% dari masa fixed.
Apa beda bunga cap dan fixed?
Fixed: bunga dikunci persis. Cap: bunga mengikuti pasar tapi dibatasi plafon maksimum (cap) selama fase itu.
Strategi menghadapi floating?
Siapkan dana pelunasan sebagian sebelum fase floating, atau refinance ke bank dengan promo fixed lebih panjang. Simulasikan di kalkulator Pelunasan Dipercepat KPR.
Cicilan Awal per Bulan (Fase Fixed)
Rp1.977.717