Perhitungan Angsuran


Loan Cost Information

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Assumption*:

A company has USD liability that the due date is within 3 months ahead since July,1st 2019. The quotes of Swap Premium and Spot are as seen below:

SPOT USD/IDR            13,325 / 13,375

3-month Swap Premium     188 / 232

Date Transaction Type Description
July, 1st 2015 Forward USD to IDR Purchasing Forward Purchasing that costs IDR 13,607 (13,375 + 232) for October, 1st 2015 exchange (hedging).
October, 1st 2015 Liability Due Date 1st Condition:
- USD or IDR currency rise to IDR 14,670.
- The company can minimize the raising of USD or IDR by efficiency cost as IDR 1,063 per USD.
2nd Condition:
- USD or IDR currency falls to IDR 12,981.
- The company has spent hedging costs to conduct hedging for its currency liability
*The Forward transaction simulation above is an illustration or example, and also not the estimation of future calculation.

Forward transactions gives the exchange value and hedging certainty that help cashflow planning and minimize risk for the foreign currency exchange value fluctuation.

The economic simulation of average Rp 2 Million per year that includes Cashback and Discount.

 

Hero / Giant Private Label

Hero / Giant Fresh Produce

Hero / Giant Others

Other Merchants

Shopping Value

IDR 300,000

IDR 500,000

IDR 1,000,000

IDR 2,500,000

Instant Cashback

5% (IDR 15,000)

20% (IDR 100,000)

-

-

Cashback

3.5% (IDR 9,975)

3.5% (IDR 14,000)

3.5% (IDR 35,000)

1.5% (IDR 37,500)

Monthly Saving (discount + cashback)

IDR 24,975

IDR 114,000

IDR 35,000

IDR 37,500

Yearly Saving Total

IDR 299,700

IDR 1,368,000

IDR 420,000

IDR 450,000

Yearly saving total: (IDR 299,700 + IDR 1,368,000 + IDR 420,000 + IDR 450,000) = IDR 2,537,700

  • The collected Cashback Reward can be used for the next shopping payment in Hero, Giant, and Guardian.
  • The Cashback Reward Information printed in your PermataHero Card monthly billing sheet or every EDC transaction slip in Hero, Giant, and Guardian.
  • If the shopping reaches IDR 1,000,00 per month outside Hero, Giant, and Guardian, the 1.5% Cashback can be obtained.
  • The Cashback Reward total maximum that can be received by the card holder is IDR 12,000,000 per year.
  • The Cashback can't be exchanged or used for the next shopping in Hero, Giant, and Guardian if the card condition is not active or blocked.

Product Feature PermataHome Ready Cash

The difference between PermataHome Ready Cash and KPR Reguler is it has a "Standby Credit" service in the form of a credit limit provided in a customer's current account. These funds can be withdrawn at any time as needed and are only subject to interest as much as their usage.

Characteristics Regular Mortgages Home Ready Cash
Facility Withdrawal Once, at the time of loan disbursement Can be withdrawn at any time as needed through ATMs, e- Channels and teller counters
Interest payment On the installment date On the date of interest capitalization, which is the first business day of each month
Interest Calculation Monthly, based on outstanding loans Daily, based on the facility usage
Principal Payment On the installment date
  • Can be paid anytime
  • If the limit is used up to the maximum, then after the 12th month, the customer must pay the principal amount of the difference between the maximum limit of the current month and the maximum limit of the following month
Debit Account Saving Account GIRO HOME READY CASH account (without a checkbook /BG)

FACILITIES LIMIT of PermataHome Ready Cash

  • First 12 months = Limit remains in accordance with the initial facilities
  • Starting from the 13th month until the end of the credit term = Limit decreases proportionally every month until the end of the credit term (hereinafter referred to as "Principal Reduction Factor")
  • Value of Principal Reduction Factor per Limit = Limit approved / (Tenor - 12 Months) Example: Approved limit: IDR 1 Billion Terms: 12 years (144 months), then the principal reduction factors are: IDR 1 Billion: (144 months - 12 months) = IDR 7.58 Million

Information Cost Loan 

Loan Limits 6,000,000,000
Tenor (Month) 36
Fixed Rate (1 month fixed) 9.71%
Floating Rate 9.71%
Disbursed Month July
Principal Deduction Factor 250,000,00

PermataHome Ready Cash Simulation Example

Amount
Instalment		 Loan Limits Consumptions Interest Payment Principal Payment Interest and Principal Payment Total Interest or Interest and Principal Payment Date
1 6,000,000,000 6,000,000,000 50,168,333 - 50,168,333 01-Aug
2 6,000,000,000 6,000,000,000 50,168,333 - 50,168,333 01-Sep
3 6,000,000,000 6,000,000,000 48,550,000 - 48,550,000 01-Oct
4 6,000,000,000 6,000,000,000 50,168,333 - 50,168,333 01-Nov
5 6,000,000,000 6,000,000,000 48,550,000 - 50,168,333 01-Dec
6 6,000,000,000 6,000,000,000 50,168,333 - 46,931,667 01-Jan
7 6,000,000,000 6,000,000,000 50,168,333 - 50,168,333 01-Feb
8 6,000,000,000 6,000,000,000 46,931,667 - 48,550,000 01-Mar
9 6,000,000,000 6,000,000,000 50,168,333 - 50,168,333 01-Apr
10 6,000,000,000 6,000,000,000 48,550,000 - 48,550,000 01-May
11 6,000,000,000 6,000,000,000 50,168,333 - 50,168,333 01-Jun
12 6,000,000,000 6,000,000,000 48,550,000 - 48,550,000 01-Jul
13 5,750,000,000 6,000,000,000 48,077,986 250,000,000 298,077,986 01-Aug
14 5,500,000,000 5,750,000,000 45,987,639 250,000,000 295,987,639 01-Sep
15 5,250,000,000 5,500,000,000 42,481,250 250,000,000 292,481,250 01-Oct
16 5,000,000,000 5,250,000,000 41,806,944 250,000,000 291,806,944 01-Nov
17 4,750,000,000 5,000,000,000 38,435,417 250,000,000 288,435,417 01-Dec
18 4,500,000,000 4,750,000,000 37,626,250 250,000,000 287,626,250 01-Jan
19 4,250,000,000 4,500,000,000 35,535,903 250,000,000 285,535,903 01-Feb
20 4,000,000,000 4,250,000,000 31,287,778 250,000,000 281,287,778 01-Mar
21 3,750,000,000 4,000,000,000 31,355,208 250,000,000 281,355,208 01-Apr
22 3,500,000,000 3,750,000,000 28,320,833 250,000,000 278,320,833 01-May
23 3,250,000,000 3,500,000,000 27,174,514 250,000,000 277,174,514 01-Jun
24 3,000,000,000 3,250,000,000 24,275,000 250,000,000 274,275,000 01-Jul
25 2,750,000,000 3,000,000,000 22,993,819 250,000,000 272,993,819 01-Aug
26 2,500,000,000 2,750,000,000 20,903,472 250,000,000 270,903,472 01-Sep
27 2,250,000,000 2,500,000,000 18,206,250 250,000,000 268,206,250 01-Oct
28 2,000,000,000 2,250,000,000 16,722,778 250,000,000 266,722,778 01-Nov
29 1,750,000,000 2,000,000,000 14,160,417 250,000,000 264,160,417 01-Dec
30 1,500,000,000 1,750,000,000 12,542,083 250,000,000 262,542,083 01-Jan
31 1,250,000,000 1,500,000,000 10,451,736 250,000,000 260,451,736 01-Feb
32 1,000,000,000 1,250,000,000 7,821,944 250,000,000 257,821,944 01-Mar
33 750,000,000 1,000,000,000 6,271,042 250,000,000 256,271,042 01-Apr
34 500,000,000 750,000,0000 4,045,833 250,000,000 254,045,833 01-May
35 250,000,000 500,000,000 2,090,347 250,000,000 252,090,347 01-Jun
36 0 250,000,000 2,022,917 250,000,000 252,022,917 01-Jul
TOTAL 1,162,907,361 6,000,000,000 7,162,907,361  

Note:

  • The calculation above is the only illustration and not an exact estimation for the future calculation.
  • The result from the PermataBank system will be the reference If there is a difference between the result and the PermataBank system in the future.
Loan Principal IDR 9,000,000,000
Interest Rate in the Fixed Period 7.99%
Fixed Tenor 3 tahun
Tenor 120 bulan
Floating Interest Rate Assumption 10,71%
Savings Benefit Percentage 75%
Max Tab (134%) IDR 120,000,000,000
KPR Bijak Interest IDR 3,785,681,698
Interest Saving IDR 1,129,375,080
KPR Bijak Tenor Acceleration 111

KPR Bijak Calculation Simulation Example:

Month Early OS Principal % Interest Interest Instalment Final OS Monthly saving average
1 9,000,000,000 54,216,035 7,99% 54,931,250 109,147,285 8,945,783,965 1,000,000,000
2 8,945,783,965 54,577,023 7,99% 54,570,262 109,147,285 8,891,206,942 1,000,000,000
3 8,891,206,942 54,940,415 7,99% 54,206,870 109,147,285 8,836,266,527 1,000,000,000
4 8,836,266,527 55,306,227 7,99% 53,841,058 109,147,285 8,780,960,301 1,000,000,000
5 8,780,960,301 55,674,474 7,99% 53,472,811 109,147,285 8,725,285,827 1,000,000,000
6 8,725,285,827 56,045,173 7,99% 53,102,111 109,147,285 8,669,240,653 1,000,000,000
7 8,669,240,653 56,418,341 7,99% 52,728,944 109,147,285 8,612,822,313 1,000,000,000
8 8,612,822,313 56,793,993 7,99% 52,353,292 109,147,285 8,556,028,320 1,000,000,000
9 8,556,028,320 57,172,146 7,99% 51,975,139 109,147,285 8,498,856,174 1,000,000,000
10 8,498,856,174 57,552,817 7,99% 51,594,467 109,147,285 8,441,303,357 1,000,000,000
11 8,441,303,357 57,936,023 7,99% 51,211,262 109,147,285 8,383,367,334 1,000,000,000
12 8,383,367,334 58,321,780 7,99% 50,825,504 109,147,285 8,325,045,553 1,000,000,000
13 8,325,045,553 58,710,106 7,99% 50,437,178 109,147,285 8,266,335,447 1,000,000,000
14 8,266,335,447 59,101,018 7,99% 50,046,267 109,147,285 8,207,234,429 1,000,000,000
15 8,207,234,429 59,494,532 7,99% 49,652,753 109,147,285 8,147,739,897 1,000,000,000
16 8,147,739,897 59,890,666 7,99% 49,256,618 109,147,285 8,087,849,230 1,000,000,000
17 8,087,849,230 60,289,439 7,99% 48,857,846 109,147,285 8,027,559,792 1,000,000,000
18 8,027,559,792 60,690,866 7,99% 48,456,419 109,147,285 7,966,868,926 1,000,000,000
19 7,966,868,926 61,094,966 7,99% 48,052,319 109,147,285 7,905,773,961 1,000,000,000
20 7,905,773,961 61,501,756 7,99% 47,645,528 109,147,285 7,844,272,204 1,000,000,000
21 7,844,272,204 61,911,256 7,99% 47,236,029 109,147,285 7,782,360,949 1,000,000,000
22 7,782,360,949 62,323,481 7,99% 46,823,803 109,147,285 7,720,037,467 1,000,000,000
23 7,720,037,467 62,738,452 7,99% 46,408,833 109,147,285 7,657,299,016 1,000,000,000
24 7,657,299,016 63,156,185 7,99% 45,991,099 109,147,285 7,594,142,830 1,000,000,000
25 7,594,142,830 63,576,700 7,99% 45,570,584 109,147,285 7,530,566,130 1,000,000,000
26 7,530,566,130 64,000,015 7,99% 45,147,269 109,147,285 7,466,566,115 1,000,000,000
27 7,466,566,115 64,426,149 7,99% 44,721,136 109,147,285 7,402,139,966 1,000,000,000
28 7,402,139,966 64,855,119 7,99% 44,292,165 109,147,285 7,337,284,847 1,000,000,000
29 7,337,284,847 65,286,946 7,99% 43,860,338 109,147,285 7,271,997,900 1,000,000,000
30 7,271,997,900 65,721,649 7,99% 43,425,636 109,147,285 7,206,276,252 1,000,000,000
31 7,206,276,252 66,159,245 7,99% 42,988,039 109,147,285 7,140,117,007 1,000,000,000
32 7,140,117,007 66,599,756 7,99% 42,547,529 109,147,285 7,073,517,251 1,000,000,000
33 7,073,517,251 67,043,199 7,99% 42,104,086 109,147,285 7,006,474,052 1,000,000,000
34 7,006,474,052 67,489,595 7,99% 41,657,690 109,147,285 6,938,984,457 1,000,000,000
35 6,938,984,457 67,938,963 7,99% 41,208,322 109,147,285 6,871,045,494 1,000,000,000
36 6,871,045,494 68,391,323 7,99% 40,755,961 109,147,285 6,802,654,171 1,000,000,000
37 6,802,654,171 64,858,092 10,71% 54,019,938 118,878,030 6,737,796,079 1,000,000,000
38 6,737,796,079 65,436,950 10,71% 53,441,080 118,878,030 6,672,359,129 1,000,000,000
39 6,672,359,129 66,020,975 10,71% 52,857,055 118,878,030 6,606,338,154 1,000,000,000
40 6,606,338,154 66,610,212 10,71% 52,267,818 118,878,030 6,539,727,942 1,000,000,000
41 6,539,727,942 67,204,708 10,71% 51,673,322 118,878,030 6,472,523,234 1,000,000,000
42 6,472,523,234 67,804,510 10,71% 51,073,520 118,878,030 6,404,718,723 1,000,000,000
43 6,404,718,723 68,409,666 10,71% 50,468,365 118,878,030 6,336,309,058 1,000,000,000
44 6,336,309,058 69,020,222 10,71% 49,857,808 118,878,030 6,267,288,836 1,000,000,000
45 6,267,288,836 69,636,227 10,71% 49,241,803 118,878,030 6,197,652,609 1,000,000,000
46 6,197,652,609 70,257,731 10,71% 48,620,300 118,878,030 6,127,394,878 1,000,000,000
47 6,127,394,878 70,884,781 10,71% 47,993,249 118,878,030 6,056,510,097 1,000,000,000
48 6,056,510,097 71,517,428 10,71% 47,360,603 118,878,030 5,984,992,670 1,000,000,000
49 5,984,992,670 72,155,721 10,71% 46,722,310 118,878,030 5,912,836,949 1,000,000,000
50 5,912,836,949 72,799,710 10,71% 46,078,320 118,878,030 5,840,037,239 1,000,000,000
51 5,840,037,239 73,449,448 10,71% 45,428,582 118,878,030 5,766,587,791 1,000,000,000
52 5,766,587,791 74,104,984 10,71% 44,773,046 118,878,030 5,692,482,807 1,000,000,000
53 5,692,482,807 74,766,371 10,71% 44,111,659 118,878,030 5,617,716,436 1,000,000,000
54 5,617,716,436 75,433,661 10,71% 43,444,369 118,878,030 5,542,282,775 1,000,000,000
55 5,542,282,775 76,106,906 10,71% 42,771,124 118,878,030 5,466,175,868 1,000,000,000
56 5,466,175,868 76.786,161 10,71% 42,091,870 118,878,030 5,389,389,708 1,000,000,000
57 5,389,389,708 77,471,477 10,71% 41,406,553 118,878,030 5,311,918,231 1,000,000,000
58 5,311,918,231 78,162,910 10,71% 40,715,120 118,878,030 5,233,755,321 1,000,000,000
59 5,233,755,321 78,860,514 10,71% 40,017,516 118,878,030 5,154,894,807 1,000,000,000
60 5,154,894,807 79,564,344 10,71% 39,313,686 118,878,030 5,075,330,463 1,000,000,000
61 5,075,330,463 80,274,456 10,71% 38,603,574 118,878,030 4,995,056,007 1,000,000,000
62 4,995,056,007 80,990,905 10,71% 37,887,125 118,878,030 4,914,065,102 1,000,000,000
63 4,914,065,102 81,713,749 10,71% 37,164,281 118,878,030 4,832,351,353 1,000,000,000
64 4,832,351,353 82,443,044 10,71% 36,434,986 118,878,030 4,749,908,309 1,000,000,000
65 4,749,908,309 83,178,848 10,71% 35,699,182 118,878,030 4,666,729,460 1,000,000,000
66 4,666,729,460 83,921,220 10,71% 34,956,810 118,878,030 4,582,808,240 1,000,000,000
67 4,582,808,240 84,670,217 10,71% 34,207,814 118,878,030 4,498,138,024 1,000,000,000
68 4,498,138,024 85,425,898 10,71% 33,452,132 118,878,030 4,412,712,126 1,000,000,000
69 4,412,712,126 86,188,324 10,71% 32,689,706 118,878,030 4,326,523,801 1,000,000,000
70 4,326,523,801 86,957,555 10,71% 31,920,475 118,878,030 4,239,566,246 1,000,000,000
71 4,239,566,246 87,733,651 10,71% 31,144,379 118,878,030 4,151,832,595 1,000,000,000
72 4,151,832,595 88,516,674 10,71% 30,361,356 118,878,030 4,063,315,920 1,000,000,000
73 4,063,315,920 89,306,686 10,71% 29,571,345 118,878,030 3,974,009,235 1,000,000,000
74 3,974,009,235 90,103,748 10,71% 28,774,282 118,878,030 3,883,905,487 1,000,000,000
75 3,883,905,487 90,907,924 10,71% 27,970,106 118,878,030 3,792,997,563 1,000,000,000
76 3,792,997,563 91,719,277 10,71% 27,158,753 118,878,030 3,701,278,287 1,000,000,000
77 3,701,278,287 92,537,871 10,71% 26,340,159 118,878,030 3,608,740,415 1,000,000,000
78 3,608,740,415 93,363,772 10,71% 25,514,258 118,878,030 3,515,376,643 1,000,000,000
79 3,515,376,643 94,197,044 10,71% 24,680,987 118,878,030 3,421,179,600 1,000,000,000
80 3,421,179,600 95,037,752 10,71% 23,840,278 118,878,030 3,326,141,847 1,000,000,000
81 3,326,141,847 95,885,964 10,71% 22,992,066 118,878,030 3,230,255,883 1,000,000,000
82 3,230,255,883 96,741,746 10,71% 22,136,284 118,878,030 3,133,514,137 1,000,000,000
83 3,133,514,137 97,605,166 10,71% 21,272,864 118,878,030 3,035,908,970 1,000,000,000
84 3,035,908,970 98,476,293 10,71% 20,401,738 118,878,030 2,937,432,678 1,000,000,000
85 2,937,432,678 99,355,193 10,71% 19,522,837 118,878,030 2,838,077,484 1,000,000,000
86 2,737,835,546 100,241,939 10,71% 18,636,092 118,878,030 2,737,835,546 1,000,000,000
87 2,636,698,948 101,136,598 10,71% 17,741,432 118,878,030 2,636,698,948 1,000,000,000
88 2,534,659,706 102,039,242 10,71% 16,838,788 118,878,030 2,534,659,706 1,000,000,000
89 2,431,709,763 102,949,942 10,71% 15,928,088 118,878,030 2,431,709,763 1,000,000,000
90 2,327,840,993 103,868,771 10,71% 15,009,260 118,878,030 2,327,840,993 1,000,000,000
91 2,223,045,194 104,795,799 10,71% 14,082,231 118,878,030 2,223,045,194 1,000,000,000
92 2,117,314,092 105,731,102 10,71% 13,146,928 118,878,030 2,117,314,092 1,000,000,000
93 2,010,639,340 106,674,752 10,71% 12,203,278 118,878,030 2,010,639,340 1,000,000,000
94 2,010,639,340 107,626,824 10,71% 11,251,206 118,878,030 1,903,012,516 1,000,000,000
95 1,903,012,516 108,587,393 10,71% 10,290,637 118,878,030 1,794,425,123 1,000,000,000
96 1,794,425,123 109,556,536 10,71% 9,321,494 118,878,030 1,684,868,587 1,000,000,000
97 1,684,868,587 110,534,328 10,71% 8,343,702 118,878,030 1,574,334,259 1,000,000,000
98 1,574,334,259 111,520,847 10,71% 7,357,183 118,878,030 1,462,813,412 1,000,000,000
99 1,462,813,412 112,516,170 10,71% 6,361,860 118,878,030 1,350,297,241 1,000,000,000
100 1,350,297,241 113,520,377 10,71% 5,357,183 118,878,030 1,236,776,864 1,000,000,000
101 1,236,776,864 114,533,547 10,71% 4,344,484 118,878,030 1,122,243,317 1,000,000,000
102 1,122,243,317 115,555,759 10,71% 3,322,272 118,878,030 1,006,687,559 1,000,000,000
103 1,006,687,559 116,587,094 10,71% 2,290,936 118,878,030 890,100,465 1,000,000,000
104 890,100,456 117,627,633 10,71% 1,250,397 118,878,030 772,472,832 1,000,000,000
105 772,472,832 118,677,460 10,71% 200,570 118,878,030 653,795,372 1,000,000,000
106 653,795,372 118,878,030 10,71% 0 118,878,030 534,917,341 1,000,000,000
107 534,917,341 118,878,030 10,71% 0 118,878,030 416,039,311 1,000,000,000
108 416,039,311 118,878,030 10,71% 0 118,878,030 297,161,281 1,000,000,000
109 297,161,281 118,878,030 10,71% 0 118,878,030 178,283,251 1,000,000,000
110 178,283,251 118,878,030 10,71% 0 118,878,030 59,405,221 1,000,000,000
111 59,405,211 118,878,030 10,71% 0 118,878,030 0 1,000,000,000

Note:

  • The calculation above is the only illustration and not an exact estimation for the future calculation.
  • The result from the PermataBank system will be the reference If there is a difference between the result and the PermataBank system in the future.

How to enjoy low and fixed installments throughout the credit period?

Illustration*

Credit principal: IDR 300 Million

Terms: 10 years (120 months)

Mortgage Interest Rates: 10.5% p.a

Installment: IDR 4,048,050

Illustration: if the average floating interest rate is higher than the initial interest rate, then the mortgage period is longer (maximum of 20 years)

Month Interest Rate KPR Reguler Installments KPR Cicilan Tetap Installment
1 - 6 10.50% 4,048,050 4,048,050
7 - 12 12.00% 4,293,747 4,048,0501
13 - 18 14.50% 4,701,931 4,048,050
19 - 24 13.75% 4,582,675 4,048,050
25 - 30 11.50% 4,250,162 4,048,050
31 - 36 12.00% 4,319,122 4,048,050
37 - 42 13.50% 4,517,834 4,048,050
43 - 48 12.00% 4,330,700 4,048,050
49 - 54 12.50% 4,388,513 4,048,050
55 - 60 13.00% 4,442,571 4,048,050
61 - dst 14.00% 4,543,160 4,048,050

KPR Cicilan Tetap will be paid off in the 149th month

Ilustrasi jika rata-rata suku bunga floating lebih rendah dari suku bunga awal, maka jangka waktu KPR lebih cepat

Month Interest Rate KPR Reguler Installments KPR Cicilan Tetap Installment
1 - 6 10.50% 4,048,050 4,048,050
7 - 12 10.00% 3,967,859 4,048,0501
13 - 18 8.00% 3,669,123 4,048,050
19 - 24 8.75% 3,774,266 4,048,050
25 - 30 9.75% 3,909,779 4,048,050
31 - 36 10.00% 3,942,244 4,048,050
37 - 42 9.75% 3,911,637 4,048,050
43 - 48 10.25% 3,969,150 4,048,050
49 - 54 10.75% 4,023,227 4,048,050
55 - 60 10.50% 3,998,116 4,048,050
61 - dst 10.25% 3,975,118 4,048,050

KPR Cicilan Tetap will be paid off in the 149th month

Illustration if the average floating interest rate is lower than the initial interest rate, then the mortgage period is faster

Month Interest Rate KPR Reguler Installment KPR Cicilan Tetap Installment
1 - 6 10.50% 4,048,050 4,048,050
7 - 12 10.00% 3,967,859 4,048,0501
13 - 18 8.00% 3,669,123 4,048,050
19 - 24 8.75% 3,774,266 4,048,050
25 - 30 9.75% 3,909,779 4,048,050
31 - 36 10.00% 3,942,244 4,048,050
37 - 42 9.75% 3,911,637 4,048,050
43 - 48 10.25% 3,969,150 4,048,050
49 - 54 10.75% 4,023,227 4,048,050
55 - 60 10.50% 3,998,116 4,048,050
61 - dst 10.25% 3,975,118 4,048,050

KPR Cicilan Tetap will be paid off in the 115th month

* The calculation above is an illustration and is not a guarantee or estimate for future calculations

Information Cost Loan

Loan Plafond (IDR) 1,000,000,000
Interest rate month 1 8.00%
Interest rate month 2 8.00%
Interest rate month 3 8.00%
Interest rate month 4 8.00%
Interest rate month 5 8.00%
Interest rate month 6 8.00%
Interest rate month 7 8.00%
Interest rate month 8 8.00%
Interest rate month 9 8.00%
Interest rate month 10 8.00%
Interest rate month 11 8.00%
Interest rate month 12 8.00%
Interest rate year 2 8.75%
Interest rate year 3 9.75%
Interest rate year 4 10.25%
Interest rate year 5 10.25%
Interest rate year 6 etc. 10.25%
Instalment 9,556,521

KPR Cicilan Tetap Simulation Example

Month Remaining Loan Principal Interest fee (Rp) Interest Rate (%) Instalment Loan Principal Payment Outstanding
0 1,000,000,000         1,000,000,000
1 997,332,368 6,888,889 8.00% 9,556,521 2,667,632 997,332,368
2 994,646,359 6,870,512 8.00% 9,556,521 2,686,009 994,646,359
3 991,941,847 6,852,008 8.00% 9,556,521 2,704,513 991,941,847
4 989,218,703 6,833,377 8.00% 9,556,521 2,723,144 989,218,703
5 986,256,973 6,594,791 8.00% 9,556,521 2,961,729 986,256,973
6 983,494,667 6,794,215 8.00% 9,556,521 2,762,306 983,494,667
7 980,494,777 6,556,631 8.00% 9,556,521 2,999,890 980,494,777
8 977,692,776 6,754,520 8.00% 9,556,521 2,802,001 977,692,776
9 974,871,472 6,735,217 8.00% 9,556,521 2,821,304 974,871,472
10 971,814,095 6,499,143 8.00% 9,556,521 3,057,378 971,814,095
11 968,736,334 6,478,761 8.00% 9,556,521 3,077,760 968,736,334
12 965,638,056 6,458,242 8.00% 9,556,521 3,098,279 965,638,056
13 963,122,646 7,041,111 8.75% 9,556,521 2,515,410 963,122,646
14 960,588,894 7,022,769 8.75% 9,556,521 2,533,752 960,588,894
15 958,036,667 7,004,294 8.75% 9,556,521 2,552,227 958,036,667
16 955,465,831 6,985,684 8.75% 9,556,521 2,570,837 955,465,831
17 952,876,248 6,966,938 8.75% 9,556,521 2,589,582 952,876,248
18 950,267,783 6,948,056 8.75% 9,556,521 2,608,465 950,267,783
19 947,640,298 6,929,036 8.75% 9,556,521 2,627,485 947,640,298
20 944,993,655 6,909,877 8.75% 9,556,521 2,646,644 944,993,655
21 942,327,712 6,890,579 8.75% 9,556,521 2,665,942 942,327,712
22 939,642,331 6,871,140 8.75% 9,556,521 2,685,381 939,642,331
23 936,937,369 6,851,559 8.75% 9,556,521 2,704,962 936,937,369
24 934,212,683 6,831,835 8.75% 9,556,521 2,724,686 934,212,683
25 932,246,640 7.590,478 9.75% 9,556,521 1,966,043 932,246,640
26 930,264,623 7,574,504 9.75% 9,556,521 1,982,017 930,264,623
27 928,266,503 7,558,400 9.75% 9,556,521 1,998,121 928,266,503
28 926,252,147 7,542,165 9.75% 9,556,521 2,014,356 926,252,147
29 924,221,425 7,525,799 9.75% 9,556,521 2,030,722 924,221,425
30 922,174,203 7,509,299 9.75% 9,556,521 2,047,222 922,174,203
31 920,110,348 7,492,665 9.75% 9,556,521 2,063,855 920,110,348
32 918,029,724 7,475,897 9.75% 9,556,521 2,080,624 918,029,724
33 915,932,194 7,458,992 9.75% 9,556,521 2,097,529 915,932,194
34 913,817,622 7,441,949 9.75% 9,556,521 2,114,572 913,817,622
35 911,685,870 7,424,768 9.75% 9,556,521 2,131,753 911,685,870
36 909,536,797 7,407,448 9.75% 9,556,521 2,149,073 909,536,797
37 907,749,236 7,768,960 10.25% 9,556,521 1,787,561 907,749,236
38 905,946,407 7,753,691 10.25% 9,556,521 1,802,829 905,946,407
39 904,128,178 7,738,292 10.25% 9,556,521 1,818,229 904,128,178
40 902,294,419 7,722,762 10.25% 9,556,521 1,833,759 902,294,419
41 900,444,996 7,707,098 10.25% 9,556,521 1,849,423 900,444,996
42 898,579,776 7,691,301 10.25% 9,556,521 1,865,220 898,579,776
43 896,698,624 7,675,369 10.25% 9,556,521 1,881,152 896,698,624
44 894,801,404 7,659,301 10.25% 9,556,521 1,897,220 894,801,404
45 892,887,978 7,643,095 10.25% 9,556,521 1,913,426 892,887,978
46 890,958,209 7,626,751 10.25% 9,556,521 1,929,769 890,958,209
47 889,011,956 7,610,268 10.25% 9,556,521 1,946,253 889,011,956
48 887,049,079 7,593,644 10.25% 9,556,521 1,962,877 887,049,079
49 885,069,436 7,576,878 10.25% 9,556,521 1,979,643 885,069,436
50 883,072,883 7,559,968 10.25% 9,556,521 1,996,553 883,072,883
51 881,059,277 7,542,914 10.25% 9,556,521 2,013,607 881,059,277
52 879,028,470 7,525,715 10.25% 9,556,521 2,030,806 879,028,470
53 876,980,318 7,508,368 10.25% 9,556,521 2,048,153 876,980,318
54 874,914,670 7,490,874 10.25% 9,556,521 2,065,647 874,914,670
55 872,831,379 7,473,229 10.25% 9,556,521 2,083,291 872,831,379
56 870,730,293 7,455,435 10.25% 9,556,521 2,101,086 870,730,293
57 868,611,260 7,437,488 10.25% 9,556,521 2,119,033 868,611,260
58 866,474,127 7,419,388 10.25% 9,556,521 2,137,133 866.474.127
59 864,318,739 7,401,133 10.25% 9,556,521 2,155,388 864,318,739
60 862,144,941 7,382,723 10.25% 9,556,521 2,173,798 862,144,941
61 859,952,575 7,364,155 10.25% 9,556,521 2,192,366 859,952,575
62 857,741,482 7,345,428 10.25% 9,556,521 2,211,093 857,741,482
63 855,511,503 7,326,542 10.25% 9,556,521 2,229,979 855,511,503
64 853,262,477 7,307,494 10.25% 9,556,521 2,249,027 853,262,477
65 850,994,239 7,288,284 10.25% 9,556,521 2,268,237 850,994,239
66 848,706,628 7,268,909 10.25% 9,556,521 2,287,612 848,706,628
67 846,399,476 7,249,369 10.25% 9,556,521 2,307,152 846,399,476
68 844,072,617 7,229,662 10.25% 9,556,521 2,326,859 844,072,617
69 841,725,883 7,209,787 10.25% 9,556,521 2,346,734 841,725,883
70 839,359,104 7,189,742 10.25% 9,556,521 2,366,779 839,359,104
71 836,972,109 7,169,526 10.25% 9,556,521 2,386,995 836,972,109
72 834,564,725 7,149,137 10.25% 9,556,521 2,407,384 834,564,725
73 832,136,778 7,128,574 10.25% 9,556,521 2,427,947 832,136,778
74 829,688,092 7,107,835 10.25% 9,556,521 2,448,686 829,688,092
75 827,218,490 7,086,919 10.25% 9,556,521 2,469,602 827,218,490
76 824,727,794 7,065,825 10.25% 9,556,521 2,490,696 824,727,794
77 822,215,823 7,044,550 10.25% 9,556,521 2,511,971 822,215,823
78 819,682,396 7,023,093 10.25% 9,556,521 2,533,427 819,682,396
79 817,127,329 7,001,454 10.25% 9,556,521 2,555,067 817,127,329
80 814,550,437 6,979,629 10.25% 9,556,521 2,576,892 814,550,437
81 811,951,535 6,957,618 10.25% 9,556,521 2,598,903 811,951,535
82 809,330,433 6,935,419 10.25% 9,556,521 2,621,101 809,330,433
83 806,686,943 6,913,031 10.25% 9,556,521 2,643,490 806,686,943
84 804,020,873 6,890,451 10.25% 9,556,521 2,666,070 804,020,873
85 801,332,031 6,867,678 10.25% 9,556,521 2,688,843 801,332,031
86 798,620,221 6,844,711 10.25% 9,556,521 2,711,810 798,620,221
87 795,885,248 6,821,548 10.25% 9,556,521 2,734,973 795,885,248
88 793,126,914 6,798,186 10.25% 9,556,521 2,758,334 793,126,914
89 790,345,018 6,774,626 10.25% 9,556,521 2,781,895 790,345,018
90 787,539,361 6,750,864 10.25% 9,556,521 2,805,657 787,539,361
91 784,709,739 6,726,899 10.25% 9,556,521 2,829,622 784,709,739
92 781,855,947 6,702,729 10.25% 9,556,521 2,853,792 781,855,947
93 778,977,779 6,678,353 10.25% 9,556,521 2,878,168 778,977,779
94 776,075,027 6,653,769 10.25% 9,556,521 2,902,752 776,075,027
95 773,147,480 6,628,974 10.25% 9,556,521 2,927,547 773,147,480
96 770,194,928 6,603,968 10.25% 9,556,521 2,952,553 770,194,928
97 767,217,155 6,578,748 10.25% 9,556,521 2,977,773 767,217,155
98 764,213,948 6,553,313 10.25% 9,556,521 3,003,208 764,213,948
99 761,185,088 6,527,661 10.25% 9,556,521 3,028,860 761,185,088
100 758,130,356 6,501,789 10.25% 9,556,521 3,054,732 758,130,356
101 755,049,532 6,475,697 10.25% 9,556,521 3,080,824 755,049,532
102 751,942,392 6,449,381 10.25% 9,556,521 3,107,139 751,942,392
103 748,808,713 6,422,841 10.25% 9,556,521 3,133,680 748,808,713
104 745,648,266 6,396,074 10.25% 9,556,521 3,160,446 745,648,266
105 742,460,825 6,369,079 10.25% 9,556,521 3,187,442 742,460,825
106 739,246,157 6,341,853 10.25% 9,556,521 3,214,668 739,246,157
107 736,004,030 6,314,394 10.25% 9,556,521 3,242,127 736,004,030
108 732,734,210 6,286,701 10.25% 9,556,521 3,269,820 732,734,210
109 729,436,461 6,258,771 10.25% 9,556,521 3,297,749 729,436,461
110 726,110,543 6,230,603 10.25% 9,556,521 3,325,918 726,110,543
111 722,756,216 6,202,194 10.25% 9,556,521 3,354,327 722,756,216
112 719,373,238 6,173,543 10.25% 9,556,521 3,382,978 719,373,238
113 715,961,364 6,144,646 10.25% 9,556,521 3,411,874 715,961,364
114 712,520,346 6,115,503 10.25% 9,556,521 3,441,018 712,520,346
115 709,049,937 6,086,111 10.25% 9,556,521 3,470,410 709,049,937
116 705,549,884 6,056,468 10.25% 9,556,521 3,500,053 705,549,884
117 702,019,935 6,026,572 10.25% 9,556,521 3,529,949 702,019,935
118 698,459,835 5,996,420 10.25% 9,556,521 3,560,101 698,459,835
119 694,869,325 5,966,011 10.25% 9,556,521 3,590,510 694,869,325
120 691,248,146 5,935,342 10.25% 9,556,521 3,621,179 691,248,146
121 687,596,037 5,904,411 10.25% 9,556,521 3,652,110 687,596,037
122 683,912,732 5,873,216 10.25% 9,556,521 3,683,305 683,912,732
123 680,197,966 5,841,755 10.25% 9,556,521 3,714,766 680,197,966
124 676,451,469 5,810,024 10.25% 9,556,521 3,746,497 676,451,469
125 672,672,971 5,778,023 10.25% 9,556,521 3,778,498 672,672,971
126 668,862,199 5,745,748 10.25% 9,556,521 3,810,773 668,862,199
127 665,018,876 5,713,198 10.25% 9,556,521 3,843,323 665,018,876
128 661,142,724 5,680,370 10.25% 9,556,521 3,876,151 661,142,724
129 657,233,464 5,647,261 10.25% 9,556,521 3,909,260 657,233,464
130 653,290,813 5,613,869 10.25% 9,556,521 3,942,652 653,290,813
131 649,314,484 5,580,192 10.25% 9,556,521 3,976,328 649,314,484
132 645,304,191 5,546,228 10.25% 9,556,521 4,010,293 645,304,191
133 641,259,644 5,511,973 10.25% 9,556,521 4,044,548 641,259,644
134 637,180,549 5,477,426 10.25% 9,556,521 4,079,095 637,180,549
135 633,066,612 5,442,584 10.25% 9,556,521 4,113,937 633,066,612
136 628,917,535 5,407,444 10.25% 9,556,521 4,149,077 628,917,535
137 624,733,018 5,372,004 10.25% 9,556,521 4,184,517 624,733,018
138 620,512,759 5,336,261 10.25% 9,556,521 4,220,260 620,512,759
139 616,256,451 5,300,213 10.25% 9,556,521 4,256,308 616,256,451
140 611,963,787 5,263,857 10.25% 9,556,521 4,292,664 611,963,787
141 607,634,457 5,227,191 10.25% 9,556,521 4,329,330 607,634,457
142 603,268,147 5,190,211 10.25% 9,556,521 4,366,310 603,268,147
143 598,864,542 5,152,915 10.25% 9,556,521 4,403,605 598,864,542
144 594,423,322 5,115,301 10.25% 9,556,521 4,441,220 594,423,322
145 589,944,167 5,077,366 10.25% 9,556,521 4,479,155 589,944,167
146 585,426,753 5,039,106 10.25% 9,556,521 4,517,414 585,426,753
147 580,870,752 5,000,520 10.25% 9,556,521 4,556,001 580,870,752
148 576,275,836 4,961,604 10.25% 9,556,521 4,594,917 576,275,836
149 571,641,671 4,922,356 10.25% 9,556,521 4,634,165 571,641,671
150 566,967,923 4,882,773 10.25% 9,556,521 4,673,748 566,967,923
151 562,254,253 4,842,851 10.25% 9,556,521 4,713,670 562,254,253
152 557,500,320 4,802,588 10.25% 9,556,521 4,753,932 557,500,320
153 552,705,782 4,761,982 10.25% 9,556,521 4,794,539 552,705,782
154 547,870,289 4,721,029 10.25% 9,556,521 4,835,492 547,870,289
155 542,993,494 4,679,725 10.25% 9,556,521 4,876,795 542,993,494
156 538,075,042 4,638,069 10.25% 9,556,521 4,918,451 538,075,042
157 533,114,579 4,596,058 10.25% 9,556,521 4,960,463 533,114,579
158 528,111,745 4,553,687 10.25% 9,556,521 5,002,834 528,111,745
159 523,066,179 4,510,954 10.25% 9,556,521 5,045,566 523,066,179
160 517,977,515 4,467,857 10.25% 9,556,521 5,088,664 517,977,515
161 512,845,386 4,424,391 10.25% 9,556,521 5,132,130 512,845,386
162 507,669,419 4,380,554 10.25% 9,556,521 5,175,967 507,669,419
163 502,449,241 4,336,343 10.25% 9,556,521 5,220,178 502,449,241
164 497,184,474 4,291,754 10.25% 9,556,521 5,264,767 497,184,474
165 491,874,737 4,246,784 10.25% 9,556,521 5,309,737 491,874,737
166 486,519,647 4,201,430 10.25% 9,556,521 5,355,091 486,519,647
167 481,118,814 4,155,689 10.25% 9,556,521 5,400,832 481,118,814
168 475,671,850 4,109,557 10.25% 9,556,521 5,446,964 475,671,850
169 470,178,360 4,063,030 10.25% 9,556,521 5,493,490 470,178,360
170 464,637,946 4,016,107 10.25% 9,556,521 5,540,414 464,637,946
171 459,050,207 3,968,782 10.25% 9,556,521 5,587,738 459,050,207
172 453,414,740 3,921,054 10.25% 9,556,521 5,635,467 453,414,740
173 447,731,137 3,872,918 10.25% 9,556,521 5,683,603 447,731,137
174 441,998,986 3,824,370 10.25% 9,556,521 5,732,151 441,998,986
175 436,217,874 3,775,408 10.25% 9,556,521 5,781,113 436,217,874
176 430,387,380 3,726,028 10.25% 9,556,521 5,830,493 430,387,380
177 424,507,085 3,676,226 10.25% 9,556,521 5,880,295 424,507,085
178 418,576,562 3,625,998 10.25% 9,556,521 5,930,523 418,576,562
179 412,595,383 3,575,341 10.25% 9,556,521 5,981,179 412,595,383
180 406,563,114 3,524,252 10.25% 9,556,521 6,032,269 406,563,114
181 400,479,320 3,472,727 10.25% 9,556,521 6,083,794 400,479,320
182 394,343,560 3,420,761 10.25% 9,556,521 6,135,760 394,343,560
183 388,155,390 3,368,351 10.25% 9,556,521 6,188,170 388,155,390
184 381,914,363 3,315,494 10.25% 9,556,521 6,241,027 381,914,363
185 375,620,028 3,262,185 10.25% 9,556,521 6,294,336 375,620,028
186 369,271,928 3,208,421 10.25% 9,556,521 6,348,100 369,271,928
187 362,869,605 3,154,198 10.25% 9,556,521 6,402,323 362,869,605
188 356,412,595 3,099,511 10.25% 9,556,521 6,457,010 356,412,595
189 349,900,432 3,044,358 10.25% 9,556,521 6,512,163 349,900,432
190 343,332,644 2,988,733 10.25% 9,556,521 6,567,788 343,332,644
191 336,708,756 2,932,633 10.25% 9,556,521 6,623,888 336,708,756
192 330,028,289 2,876,054 10.25% 9,556,521 6,680,467 330,028,289
193 323,290,760 2,818,992 10.25% 9,556,521 6,737,529 323,290,760
194 316,495,681 2,761,442 10.25% 9,556,521 6,795,079 316,495,681
195 309,642,561 2,703,401 10.25% 9,556,521 6,853,120 309,642,561
196 302,730,904 2,644,864 10.25% 9,556,521 6,911,657 302,730,904
197 295,760,209 2,585,826 10.25% 9,556,521 6,970,694 295,760,209
198 288,729,974 2,526,285 10.25% 9,556,521 7,030,236 288,729,974
199 281,639,688 2,466,235 10.25% 9,556,521 7,090,286 281,639,688
200 274,488,839 2,405,672 10.25% 9,556,521 7,150,849 274,488,839
201 267,276,911 2,344,592 10.25% 9,556,521 7,211,929 267,276,911
202 260,003,380 2,282,990 10.25% 9,556,521 7,273,531 260,003,380
203 252,667,722 2,220,862 10.25% 9,556,521 7,335,659 252,667,722
204 245,269,404 2,158,203 10.25% 9,556,521 7,398,317 245,269,404
205 237,807,893 2,095,009 10.25% 9,556,521 7,461,511 237,807,893
206 230,282,648 2,031,276 10.25% 9,556,521 7,525,245 230,282,648
207 222,693,124 1,966,998 10.25% 9,556,521 7,589,523 222,693,124
208 215,038,774 1,902,170 10.25% 9,556,521 7,654,350 215,038,774
209 207,319,043 1,836,790 10.25% 9,556,521 7,719,731 207,319,043
210 199,533,372 1,770,850 10.25% 9,556,521 7,785,671 199,533,372
211 191,681,199 1,704,348 10.25% 9,556,521 7,852,173 191,681,199
212 183,761,955 1,637,277 10.25% 9,556,521 7,919,244 183,761,955
213 175,775,067 1,569,633 10.25% 9,556,521 7,986,887 175,775,067
214 167,719,959 1,501,412 10.25% 9,556,521 8,055,109 167,719,959
215 159,596,046 1,432,608 10.25% 9,556,521 8,123,913 159,596,046
216 151,402,741 1,363,216 10.25% 9,556,521 8,193,305 151,402,741
217 143,139,452 1,293,232 10.25% 9,556,521 8,263,289 143,139,452
218 134,805,581 1,222,649 10.25% 9,556,521 8,333,871 134,805,581
219 126,400,524 1,151,464 10.25% 9,556,521 8,405,057 126,400,524
220 117,923,674 1,079,671 10.25% 9,556,521 8,476,850 117,923,674
221 109,374,418 1,007,265 10.25% 9,556,521 8,549,256 109,374,418
222 100,752,137 934,240 10.25% 9,556,521 8,622,281 100,752,137
223 92,056,208 860,591 10.25% 9,556,521 8,695,930 92,056,208
224 83,286,000 786,313 10.25% 9,556,521 8,770,207 83,286,000
225 74,440,881 711,401 10.25% 9,556,521 8,845,120 74,440,881
226 65,520,209 635,849 10.25% 9,556,521 8,920,672 65,520,209
227 56,523,340 559,652 10.25% 9,556,521 8,996,869 56,523,340
228 47,449,623 482,804 10.25% 9,556,521 9,073,717 47,449,623
229 38,298,401 405,299 10.25% 9,556,521 9,151,222 38,298,401
230 29,069,012 327,132 10.25% 9,556,521 9,229,389 29,069,012
231 19,760,789 248,298 10.25% 9,556,521 9,308,223 19,760,789
232 10,373,058 168,790 10.25% 9,556,521 9,387,731 10,373,058
233 905,140 88,603 10.25% 9,556,521 9,467,918 905,140
234 -8,643,649 7,731 10.25% 9,556,521 9,548,789 -8,643,649
235 -18,274,001 -73,831 10.25% 9,556,521 9,630,352 -18,274,001
236 -27,986,612 -156,090 10.25% 9,556,521 9,712,611 -27,986,612
237 -37,782,185 -239,052 10.25% 9,556,521 9,795,573 -37,782,185
238 -47,661,429 -322,723 10.25% 9,556,521 9,879,244 -47,661,429
239 -57,625,058 -407,108 10.25% 9,556,521 9,963,629 -57,625,058
240 -67,673,793 -492,214 10.25% 9,556,521 10,048,735 -67,673,793

Note:

  • The calculation above is the only illustration and not an exact estimation for the future calculation.
  • The result from the PermataBank system will be the reference If there is a difference between the result and the PermataBank system in the future.

Provisions for Savings Accounts which are Connected to PermataKPR Keluarga

  • Accounts do not have to be opened at the same time, but can be added at any time during your mortgage
  • The points percentage in the account may change according to the Bank's policy and the customers will be informed every month through a current account
  • Points are calculated from the savings balance and the maximum is as much as of the credit balance

How do my family points ease my mortgage interest?

Illustration*

Credit Principal: IDR 500 Million

Terms: 10 years (120 months)

Mortgages interest: 9.75% p.a

Deposit Type Deposit Balance (in Rupiah) Daily Point (in Rupiah) First Month Family Point (in Rupiah) Regular Interest on Deposits Income (in Rupiah
Giro Maxima 250,000,000 250,000,000 x 0.25%/365 = IDR 1,712 51,370 308,219
Permata Optima 600,000,000 500,000,000 x 0.25%/365 = IDR 3,425 102,740 1,972,603
Permata Bintang 20,000,000 20,000,000 x 0.25%/365 = IDR 137 4,110 32,877
Permata Bebas 150,000,000 150,000,000 x 0.25%/365 = IDR 1,027 30,822 246,575
Permata Giro 200,000,000 200,000,000 x 0.25%/365 = IDR 1,370 41,096 164,384
Total 230,137 2,724,658
  • Illustration of the points calculation above is done when the remaining credit principal is still the same as the initial credit which is IDR 500 million
  • Fixed deposit balance for 30 days in 1 (one) month and family points of 0.25%
  • The illustration above was made assuming a Maxima Giro interest rate of 1.5% p.a, PermataTabungan Optima 4% p.a, PermataBintang and PermataBebas 2% and PermataGiro 1% p.a.
  • Regular interest income on deposits is calculated assuming a fixed deposit balance for the duration of the loan multiplied by the interest rate and divided by 365 days x 30 days per month
  • The regular interest income has not been deducted by tax
  PermataKPR Keluarga (in Rupiah) PermataKPR Reguler (in Rupiah)  
Initial Credit Principal 500,000,000 500,000,000  
Interest 9.75% 9.75%  
Installment 6,538,512 6,538,512  
Portion of Regular Mortgage Interest 4,062,500 4,062,500 (A)
Total Family Point 230,137 0 (B)
Interest Payment Portion 3,832,363 4,062,500 (A - B)
Payment Principal Portion 2,706,149 2,476,012  
Remaining Credit Principal 497,293,851 497,523,988  

With PermataKPR Keluarga, your interest expense is less than the KPR Reguler interest expense

*The calculations above are illustrative, not a guarantee or estimate for future calculations

Information Cost Loan

Instalment Loan Remaining Instalment Amount Interest Discount Total KPR Keluarga Interest Principal Payment
KPR Keluarga		 Principal Loan Remaining
KPR Keluarga		 Principal Remaining
0 500,000,000            
1 498,820,725 4,825,108 520,833 3,645,833 1,179,275 498,820,725 10.00%
2 497,632,851 4,825,108 519,605 3,637,234 1,187,874 497,632,851 10.00%
3 496,436,316 4,825,108 518,368 3,628,573 1,196,535 496,436,316 10.00%
4 495,231,056 4,825,108 517,121 3,619,848 1,205,260 495,231,056 10.00%
5 494,017,007 4,825,108 515.866 3.611.060 1,214,048 494,017,007 10.00%
6 492,794,107 4,825,108 514,601 3,602,207 1,222,901 492,794,107 10.00%
7 491,562,289 4,825,108 513,327 3,593,290 1,231,818 491,562,289 10.00%
8 490,321,489 4,825,108 512,044 3,584,308 1,240,800 490,321,489 10.00%
9 489,071,641 4,825,108 510,752 3,575,261 1,249,847 489,071,641 10.00%
10 487,812,681 4,825,108 509,450 3,566,147 1,258,961 487,812,681 10.00%
11 486,544,540 4,825,108 508,138 3,556,967 1,268,141 486,544,540 10.00%
12 485,267,152 4,825,108 506,817 3,547,721 1,277,388 485,267,152 10.00%
13 483,980,450 4,825,108 505,487 3,538,406 1,286,702 483,980,450 10.00%
14 482,684,366 4,825,108 504,146 3,529,024 1,296,084 482,684,366 10.00%
15 481,378,832 4,825,108 502,796 3,519,574 1,305,535 481,378,832 10.00%
16 480,063,777 4,825,108 501,436 3,510,054 1,315,054 480,063,777 10.00%
17 478,739,134 4,825,108 500,066 3,500,465 1,324,643 478,739,134 10.00%
18 477,404,832 4,825,108 498,687 3,490,806 1,334,302 477,404,832 10.00%
19 476,060,801 4,825,108 497,297 3,481,077 1,344,031 476,060,801 10.00%
20 474,706,969 4,825,108 495,897 3,471,277 1,353,832 474,706,969 10.00%
21 473,343,266 4,825,108 494,486 3,461,405 1,363,703 473,343,266 10.00%
22 471,969,619 4,825,108 493,066 3,451,461 1,373,647 471,969,619 10.00%
23 470,585,956 4,825,108 491,635 3,441,445 1,383,663 470,585,956 10.00%
24 469,192,204 4,825,108 490,194 3,431,356 1,393,752 469,192,204 10.00%
25 467,864,607 5,139,783 488,742 3,812,187 1,327,596 467,864,607 11.00%
26 466,526,224 5,139,783 487,359 3,801,400 1,338,383 466,526,224 11.00%
27 465,176,966 5,139,783 485,965 3,790,526 1,349,258 465,176,966 11.00%
28 463,816,746 5,139,783 484,559 3,779,563 1,360,220 463,816,746 11.00%
29 462,445,474 5,139,783 483,142 3,768,511 1,371,272 462,445,474 11.00%
30 461,063,060 5,139,783 481,714 3,757,369 1,382,414 461,063,060 11.00%
31 459,669,414 5,139,783 480,274 3,746,137 1,393,646 459,669,414 11.00%
32 458,264,445 5,139,783 478,822 3,734,814 1,404,969 458,264,445 11.00%
33 456,848,061 5,139,783 477,359 3,723,399 1,416,385 456,848,061 11.00%
34 455,420,168 5,139,783 475,883 3,711,890 1,427,893 455,420,168 11.00%
35 453,980,674 5,139,783 474,396 3,700,289 1,439,494 453,980,674 11.00%
36 452,529,484 5,139,783 472,897 3,688,593 1,451,190 452,529,484 11.00%
37 451,066,503 5,139,783 471,385 3,676,802 1,462,981 451,066,503 11.00%
38 449,591,635 5,139,783 469,861 3,664,915 1,474,868 449,591,635 11.00%
39 448,104,784 5,139,783 468,325 3,652,932 1,486,851 448,104,784 11.00%
40 446,605,852 5,139,783 466,776 3,640,851 1,498,932 446,605,852 11.00%
41 445,094,741 5,139,783 465,214 3,628,673 1,511,111 445,094,741 11.00%
42 443,571,353 5,139,783 463,640 3,616,395 1,523,388 443,571,353 11.00%
43 442,035,587 5,139,783 462,053 3,604,017 1,535,766 442,035,587 11.00%
44 440,487,343 5,139,783 460,454 3,591,539 1,548,244 440,487,343 11.00%
45 438,926,519 5,139,783 458,841 3,578,960 1,560,823 438,926,519 11.00%
46 437,353,014 5,139,783 457,215 3,566,278 1,573,505 437,353,014 11.00%
47 435,766,724 5,139,783 455,576 3,553,493 1,586,290 435,766,724 11.00%
48 434,167,546 5,139,783 453,924 3,540,605 1,599,179 434,167,546 11.00%
49 432,555,374 5,139,783 452,258 3,527,611 1,612,172 432,555,374 11.00%
50 430,930,103 5,139,783 450,579 3,514,512 1,625,271 430,930,103 11.00%
51 429,291,627 5,139,783 448,886 3,501,307 1,638,476 429,291,627 11.00%
52 427,639,838 5,139,783 447,179 3,487,994 1,651,789 427,639,838 11.00%
53 425,974,629 5,139,783 445,458 3,474,574 1,665,209 425,974,629 11.00%
54 424,295,890 5,139,783 443,724 3,461,044 1,678,739 424,295,890 11.00%
55 422,603,511 5,139,783 441,975 3,447,404 1,692,379 422,603,511 11.00%
56 420,897,381 5,139,783 440,212 3,433,654 1,706,130 420,897,381 11.00%
57 419,177,389 5,139,783 438,435 3,419,791 1,719,992 419,177,389 11.00%
58 417,443,422 5,139,783 436,643 3,405,816 1,733,967 417,443,422 11.00%
59 415,695,367 5,139,783 434,837 3,391,728 1,748,055 415,695,367 11.00%
60 413,933,109 5,139,783 433,016 3,377,525 1,762,258 413,933,109 11.00%
61 412,156,532 5,139,783 431,180 3,363,207 1,776,577 412,156,532 11.00%
62 410,365,521 5,139,783 429,330 3,348,772 1,791,011 410,365,521 11.00%
63 408,559,957 5,139,783 427,464 3,334,220 1,805,563 408,559,957 11.00%
64 406,739,724 5,139,783 425,583 3,319,550 1,820,223 406,739,724 11.00%
65 404,904,701 5,139,783 423,687 3,304,760 1,835,023 404,904,701 11.00%
66 403,054,768 5,139,783 421,776 3,289,851 1,849,932 403,054,768 11.00%
67 401,189,805 5,139,783 419,849 3,274,820 1,864,963 401,189,805 11.00%
68 399,309,689 5,139,783 417,906 3,259,667 1,880,116 399,309,689 11.00%
69 397,414,297 5,139,783 415,948 3,244,391 1,895,392 397,414,297 11.00%
70 395,503,505 5,139,783 413,973 3,228,991 1,910,792 395,503,505 11.00%
71 393,577,188 5,139,783 411,983 3,213,466 1,926,317 393,577,188 11.00%
72 391,635,220 5,139,783 409,976 3,197,815 1,941,968 391,635,220 11.00%
73 389,677,473 5,139,783 407,953 3,182,036 1,957,747 389,677,473 11.00%
74 387,703,819 5,139,783 405,914 3,166,129 1,973,654 387,703,819 11.00%
75 385,714,129 5,139,783 403,858 3,150,094 1,989,690 385,714,129 11.00%
76 383,708,274 5,139,783 401,786 3,133,927 2,005,856 383,708,274 11.00%
77 381,686,120 5,139,783 399,696 3,117,630 2,022,153 381,686,120 11.00%
78 379,647,537 5,139,783 397,590 3,101,200 2,038,583 379,647,537 11.00%
79 377,592,390 5,139,783 395,466 3,084,636 2,055,147 377,592,390 11.00%
80 375,520,545 5,139,783 393,325 3,067,938 2,071,845 375,520,545 11.00%
81 373,431,866 5,139,783 391,167 3,051,104 2,088,679 373,431,866 11.00%
82 371,326,217 5,139,783 388,992 3,034,134 2,105,649 371,326,217 11.00%
83 369,203,459 5,139,783 386,798 3,017,026 2,122,758 369,203,459 11.00%
84 367,063,454 5,139,783 384,587 2,999,778 2,140,005 367,063,454 11.00%
85 364,906,062 5,139,783 382,358 2,982,391 2,157,393 364,906,062 11.00%
86 362,731,140 5,139,783 380,110 2,964,862 2,174,921 362,731,140 11.00%
87 360,538,548 5,139,783 377,845 2,947,191 2,192,593 360,538,548 11.00%
88 358,328,140 5,139,783 375,561 2,929,376 2,210,407 358,328,140 11.00%
89 356,099,773 5,139,783 373,258 2,911,416 2,228,367 356,099,773 11.00%
90 353,853,301 5,139,783 370,937 2,893,311 2,246,472 353,853,301 11.00%
91 351,588,575 5,139,783 368,597 2,875,058 2,264,725 351,588,575 11.00%
92 349,305,450 5,139,783 366,238 2,856,657 2,283,126 349,305,450 11.00%
93 347,003,773 5,139,783 363,860 2,838,107 2,301,676 347,003,773 11.00%
94 344,683,396 5,139,783 361,460 2,819,406 2,320,377 344,683,396 11.00%
95 342,344,165 5,139,783 359,045 2,800,553 2,339,231 342,344,165 11.00%
96 339,985,928 5,139,783 356,609 2,781,546 2,358,237 339,985,928 11.00%
97 337,608,531 5,139,783 354,152 2,762,386 2,377,397 337,795,630 11.00%
98 335,211,817 5,139,783 351,676 2,743,069 2,396,714 335,211,817 11.00%
99 332,795,630 5,139,783 349,179 2,723,596 2,416,187 332,795,630 11.00%
100 330,359,811 5,139,783 346,662 2,703,964 2,435,819 330,359,811 11.00%
101 327,904,201 5,139,783 344,125 2,684,173 2,455,610 327,904,201 11.00%
102 325,428,640 5,139,783 341,567 2,664,222 2,475,562 325,428,640 11.00%
103 322,932,964 5,139,783 338,988 2,644,108 2,495,675 322,932,964 11.00%
104 320,417,012 5,139,783 336,389 2,623,830 2,515,953 320,417,012 11.00%
105 317,880,617 5,139,783 333,768 2,603,388 2,536,395 317,880,617 11.00%
106 315,323,614 5,139,783 331,126 2,582,780 2,557,003 315,323,614 11.00%
107 312,745,835 5,139,783 328,462 2,562,004 2,577,779 312,745,835 11.00%
108 310,147,112 5,139,783 325,777 2,541,060 2,598,723 310,147,112 11.00%
109 307,527,274 5,139,783 323,070 2,519,945 2,619,838 307,527,274 11.00%
110 304,886,150 5,139,783 320,341 2,498,659 2,641,124 304,886,150 11.00%
111 302,223,566 5,139,783 317,590 2,477,200 2,662,583 302,223,566 11.00%
112 299,539,350 5,139,783 314,816 2,455,566 2,684,217 299,539,350 11.00%
113 296,833,324 5,139,783 312,020 2,433,757 2,706,026 296,833,324 11.00%
114 294,105,311 5,139,783 309,201 2,411,771 2,728,012 294,105,311 11.00%
115 291,355,134 5,139,783 306,360 2,389,606 2,750,177 291,355,134 11.00%
116 288,582,611 5,139,783 303,495 2,367,260 2,772,523 288,582,611 11.00%
117 285,787,562 5,139,783 300,607 2,344,734 2,795,049 285,787,562 11.00%
118 282,969,803 5,139,783 297,695 2,322,024 2,817,759 282,969,803 11.00%
119 280,129,149 5,139,783 294,760 2,299,130 2,840,654 280,129,149 11.00%
120 277,265,415 5,139,783 291,801 2,276,049 2,863,734 277,265,415 11.00%
121 274,667,232 5,139,783 288,818 2,252,781 2,887,002 274,378,414 11.00%
122 272,045,232 5,139,783 286,112 2,231,671 2,908,112 271,759,120 11.00%
123 269,399,196 5,139,783 283,380 2,210,368 2,929,416 269,115,816 11.00%
124 266,728,906 5,139,783 280,624 2,188,868 2,950,915 266,448,282 11.00%
125 264,034,138 5,139,783 277,843 2,167,172 2,972,611 263,756,295 11.00%
126 261,314,667 5,139,783 275,036 2,145,277 2,994,506 261,039,632 11.00%
127 258,570,269 5,139,783 272,203 2,123,182 3,016,601 258,298,066 11.00%
128 255,800,713 5,139,783 269,344 2,100,883 3,038,900 255,531,369 11.00%
129 253,005,770 5,139,783 266,459 2,078,381 3,061,402 252,739,311 11.00%
130 250,185,206 5,139,783 263,548 2,055,672 3,084,111 249,921,658 11.00%
131 247,338,787 5,139,783 260,610 2,032,755 3,107,028 247,078,178 11.00%
132 244,466,276 5,139,783 257,645 2,009,628 3,130,156 244,208,632 11.00%
133 241,567,434 5,139,783 254,652 1,986,288 3,153,495 241,312,782 11.00%
134 238,642,019 5,139,783 251,633 1,962,735 3,177,048 238,390,386 11.00%
135 235,689,788 5,139,783 248,585 1,938,966 3,200,817 235,441,202 11.00%
136 232,710,494 5,139,783 245,510 1,914,980 3,224,804 232,464,984 11.00%
137 229,703,891 5,139,783 242,407 1,890,773 3,249,010 229,461,484 11.00%
138 226,669,727 5,139,783 239,275 1,866,344 3,273,439 226,430,452 11.00%
139 223,607,749 5,139,783 236,114 1,841,692 3,298,092 223,371,635 11.00%
140 220,517,704 5,139,783 232,925 1,816,813 3,322,970 220,284,779 11.00%
141 217,399,333 5,139,783 229,706 1,791,706 3,348,077 217,169,627 11.00%
142 214,252,377 5,139,783 226,458 1,766,370 3,373,414 214,025,919 11.00%
143 211,076,574 5,139,783 223,180 1,740,801 3,398,983 210,853,394 11.00%
144 207,871,659 5,139,783 219,871 1,714,997 3,424,786 207,651,788 11.00%
145 204,637,367 5,139,783 216,533 1,688,957 3,450,826 204,420,834 11.00%
146 201,373,426 5,139,783 213,164 1,662,679 3,477,105 201,160,262 11.00%
147 198,079,566 5,139,783 209,764 1,636,159 3,503,624 197,869,802 11.00%
148 194,755,512 5,139,783 206,333 1,609,396 3,530,387 194,549,179 11.00%
149 191,400,988 5,139,783 202,870 1,582,389 3,557,395 191,198,117 11.00%
150 188,015,714 5,139,783 199,376 1,555,133 3,584,650 187,816,338 11.00%
151 184,599,408 5,139,783 195,850 1,527,628 3,612,155 184,403,558 11.00%
152 181,151,786 5,139,783 192,291 1,499,870 3,639,913 180,959,495 11.00%
153 177,672,561 5,139,783 188,700 1,471,858 3,667,925 177,483,861 11.00%
154 174,161,443 5,139,783 185,076 1,443,590 3,696,194 173,976,367 11.00%
155 170,618,140 5,139,783 181,418 1,415,062 3,724,721 170,436,721 11.00%
156 167,042,356 5,139,783 177,727 1,386,272 3,753,511 166,864,629 11.00%
157 163,433,794 5,139,783 174,002 1,357,219 3,782,564 163,259,792 11.00%
158 159,792,154 5,139,783 170,244 1,327,900 3,811,884 159,621,911 11.00%
159 156,117,133 5,139,783 166,450 1,298,311 3,841,472 155,950,683 11.00%
160 152,408,423 5,139,783 162,622 1,268,452 3,871,331 152,245,801 11.00%
161 148,665,717 5,139,783 158,759 1,238,318 3,901,465 148,506,959 11.00%
162 144,888,703 5,139,783 154,860 1,207,909 3,932,874 144,733,843 11.00%
163 141,077,067 5,139,783 150,926 1,177,221 3,962,562 140,926,141 11.00%
164 137,230,490 5,139,783 146,955 1,146,251 3,993,532 137,083,535 11.00%
165 133,348,653 5,139,783 142,948 1,114,998 4,024,785 133,205,704 11.00%
166 129,431,232 5,139,783 138,905 1,083,458 4,056,325 129,292,327 11.00%
167 125,477,902 5,139,783 134,824 1,051,629 4,088,154 125,343,078 11.00%
168 121,488,333 5,139,783 130,706 1,019,508 4,120,275 121,357,627 11.00%
169 117,462,193 5,139,783 126,550 987,093 4,152,690 117,335,643 11.00%
170 113,399,147 5,139,783 122,356 954,380 4,185,403 113,276,790 11.00%
171 109,298,856 5,139,783 118,124 921,368 4,218,415 109,180,732 11.00%
172 105,160,979 5,139,783 113,853 888,053 4,251,730 105,047,126 11.00%
173 100,985,171 5,139,783 109,543 854,433 4,285,350 100,875,628 11.00%
174 96,771,085 5,139,783 105,193 820,505 4,319,279 96,665,893 11.00%
175 92,518,371 5,139,783 100,803 786,265 4,353,518 92,417,567 11.00%
176 88,226,672 5,139,783 96,373 751,712 4,388,071 88,130,299 11.00%
177 83,895,634 5,139,783 91,903 716,842 4,422,941 83,803,731 11.00%
178 79,524,894 5,139,783 87,391 681,652 4,458,131 79,437,503 11.00%
179 75,114,089 5,139,783 82,838 646,140 4,493,643 75,031,251 11.00%
180 70,662,852 5,139,783 78,244 610,302 4,529,481 70,584,608 11.00%
181 66,170,811 5,139,783 73,607 574,136 4,565,647 66,097,204 11.00%
182 61,637,594 5,139,783 68,928 537,638 4,602,145 61,568,666 11.00%
183 57,062,822 5,139,783 64,206 500,805 4,638,978 56,998,616 11.00%
184 52,446,115 5,139,783 59,440 463,635 4,676,148 52,386,674 11.00%
185 47,787,088 5,139,783 54,631 426,125 4,713,658 47,732,456 11.00%
186 43,085,353 5,139,783 49,778 388,270 4,751,513 43,035,575 11.00%
187 38,340,519 5,139,783 44,881 350,068 4,789,715 38,295,638 11.00%
188 33,552,190 5,139,783 39,938 311,517 4,828,266 33,512,252 11.00%
189 28,719,969 5,139,783 34,950 272,612 4,867,172 28,685,019 11.00%
190 23,843,452 5,139,783 29,917 233,350 4,906,433 23,813,536 11.00%
191 18,922,234 5,139,783 24,837 193,728 4,946,055 18,897,397 11.00%
192 13,955,905 5,139,783 19,711 153,743 4,986,040 13,936,194 11.00%
193 8,944,051 5,139,783 14,537 113,392 5,026,391 8,929,513 11.00%
194 3,886,255 5,139,783 9,317 72,670 5,067,113 3,876,938 11.00%
195 -1,217,905 5,139,783 4,048 31,567 5,108,207 -1,221,953 11.00%
196 -6,368,852 5,139,783 -11,164 0 5,139,783 -6,357,688 11.00%
197 -11,567,016 5,139,783 -58,381 0 5,139,783 -11,508,635 11.00%
198 -16,812,830 5,139,783 -106,031 0 5,139,783 -16,706,799 11.00%
199 -22,106,731 5,139,783 -154,118 0 5,139,783 -21,952,613 11.00%
200 -27,449,159 5,139,783 -202,645 0 5,139,783 -27,246,514 11.00%
201 -32,840,560 5,139,783 -251,617 0 5,139,783 -32,588,942 11.00%
202 -38,281,381 5,139,783 -301,038 0 5,139,783 -37,980,343 11.00%
203 -43,772,077 5,139,783 -350,913 0 5,139,783 -43,421,164 11.00%
204 -49,313,104 5,139,783 -401,244 0 5,139,783 -48,911,860 11.00%
205 -54,904,924 5,139,783 -452,037 0 5,139,783 -54,452,887 11.00%
206 -60,548,003 5,139,783 -503,295 0 5,139,783 -60,044,707 11.00%
207 -66,242,809 5,139,783 -555,023 0 5,139,783 -65,687,786 11.00%
208 -71,989,818 5,139,783 -607,226 0 5,139,783 -71,382,592 11.00%
209 -77,789,508 5,139,783 -659,907 0 5,139,783 -77,129,601 11.00%
210 -83,642,361 5,139,783 -713,070 0 5,139,783 -82,929,291 11.00%
211 -89,548,866 5,139,783 -766,722 0 5,139,783 -88,782,145 11.00%
212 -95,509,514 5,139,783 -820,865 0 5,139,783 -94,688,649 11.00%
213 -101,524,801 5,139,783 -875,504 0 5,139,783 -100,649,297 11.00%
214 -107,595,228 5,139,783 -930,644 0 5,139,783 -106,664,584 11.00%
215 -113,721,301 5,139,783 -986,290 0 5,139,783 -112,735,011 11.00%
216 -119,903,529 5,139,783 -1,042,445 0 5,139,783 -118,861,084 11.00%
217 -126,142,428 5,139,783 -1,099,116 0 5,139,783 -125,043,312 11.00%
218 -132,438,517 5,139,783 -1,156,306 0 5,139,783 -131,282,211 11.00%
219 -138,792,320 5,139,783 -1,214,020 0 5,139,783 -137,578,300 11.00%
220 -145,204,366 5,139,783 -1,272,263 0 5,139,783 -143,932,103 11.00%
221 -151,675,189 5,139,783 -1,331,040 0 5,139,783 -150,344,149 11.00%
222 -158,205,328 5,139,783 -1,390,356 0 5,139,783 -156,814,972 11.00%
223 -164,795,327 5,139,783 -1,450,216 0 5,139,783 -163,345,111 11.00%
224 -171,445,734 5,139,783 -1,510,624 0 5,139,783 -169,935,110 11.00%
225 -178,157,103 5,139,783 -1,571,586 0 5,139,783 -176,585,517 11.00%
226 -184,929,993 5,139,783 -1,633,107 0 5,139,783 -183,296,886 11.00%
227 -191,764,967 5,139,783 -1,695,192 0 5,139,783 -190,069,776 11.00%
228 -198,662,596 5,139,783 -1,757,846 0 5,139,783 -196,904,751 11.00%
229 -205,623,453 5,139,783 -1,821,074 0 5,139,783 -203,802,379 11.00%
230 -212,648,118 5,139,783 -1,884,882 0 5,139,783 -210,763,236 11.00%
231 -219,737,175 5,139,783 -1,949,274 0 5,139,783 -217,787,901 11.00%
232 -226,891,216 5,139,783 -2,014,257 0 5,139,783 -224,876,959 11.00%
233 -234,110,835 5,139,783 -2,079,836 0 5,139,783 -232,030,999 11.00%
234 -241,396,635 5,139,783 -2,146,016 0 5,139,783 -239,250,619 11.00%
235 -248,749,220 5,139,783 -2,212,802 0 5,139,783 -246,536,418 11.00%
236 -256,169,205 5,139,783 -2,280,201 0 5,139,783 -253,889,003 11.00%
237 -263,657,205 5,139,783 -2,348,218 0 5,139,783 -261,308,988 11.00%
238 -271,213,846 5,139,783 -2,416,858 0 5,139,783 -268,796,989 11.00%
239 -278,839,756 5,139,783 -2,486,127 0 5,139,783 -276,353,629 11.00%
240 -286,535,571 5,139,783 -2,556,031 0 5,139,783 -283,979,539 11.00%

Note:

  • The calculation above is the only illustration and not an exact estimation for the future calculation.
  • The result from the PermataBank system will be the reference If there is a difference between the result and the PermataBank system in the future.

The Simulation of PermataKPR iB Installment Calculation

Examples of facility conditions used in the simulation:

  • Loan Ceiling or financing: IDR 100 million.
  • Loan or financing term: 10 years.
  • Fixed period: the first 1 year.
  • The remaining loan principal or financing upon entering the floating period: IDR 94 million.
  • The interest rate or margin in fixed period: 4.5% tenor of 10 years.
  • The interest rate or margin in fluctuation period: 12% (in condition for rising interest rates or margins) and 10% (in condition for declining interest rates or margins).

Instalment simulation refers to the table below:

IDR 1,000,000
Margin/Year 4.50% 4.75% 4.99% 5.00% 5.25% 5.50% 5.75% 5.99% 6.25% 6.50% 6.75% 6.99% 7.00% 7.25% 7.50% 8.00%
1 85,379 85,493 85,603 85,607 85,722 85,837 85,952 86,062 86,181 86,296 86,412 86,522 86,527 86,642 86,757 86,988
2 43,648 43,760 43,867 43,871 43,983 44,096 44,208 44,316 44,433 44,546 44,659 44,768 44,773 44,886 45,000 45,227
3 29,747 29,859 29,966 29,971 30,083 30,196 30,309 30,417 30,535 30,649 30,763 30,873 30,877 30,992 31,106 31,336
4 22,803 22,916 23,025 23,029 23,143 23,256 23,371 23,480 23,600 23,715 23,830 23,942 23,946 24,062 24,179 24,413
5 18,643 18,757 18,867 18,871 18,986 19,101 19,217 19,328 19,449 19,566 19,683 19,796 19,801 19,919 20,038 20,276
6 15,874 15,989 16,100 16,105 16,221 16,338 16,455 16,568 16,691 16,810 16,929 17,044 17,049 17,169 17,290 17,533
7 13,900 14,017 14,129 14,134 14,252 14,370 14,489 14,604 14,729 14,849 14,971 15,088 15,093 15,215 15,338 15,586
8 12,423 12,541 12,655 12,660 12,779 12,899 13,020 13,137 13,263 13,386 13,510 13,629 13,634 13,758 13,884 14,137
9 11,278 11,397 11,512 11,517 11,638 11,760 11,882 12,001 12,130 12,255 12,380 12,501 12,506 12,633 12,761 13,019
10 10,364 10,485 10,602 10,607 10,729 10,853 10,977 11,097 11,228 11,355 11,482 11,606 11,611 11,740 11,870 12,133
11 9,619 9,741 9,860 9,864 9,989 10,114 10,240 10,362 10,495 10,624 10,753 10,879 10,884 11,016 11,148 11,415
12 9,000 9,124 9,244 9,249 9,375 9,502 9,630 9,753 9,888 10,019 10,151 10,278 10,284 10,418 10,552 10,825
13 8,479 8,604 8,726 8,731 8,858 8,987 9,116 9,242 9,379 9,512 9,646 9,775 9,781 9,917 10,054 10,331
14 8,034 8,161 8,284 8,289 8,418 8,548 8,680 8,807 8,946 9,081 9,217 9,349 9,354 9,492 9,631 9,913
15 7,650 7,778 7,903 7,908 8,039 8,171 8,304 8,433 8,574 8,711 8,849 8,983 8,988 9,129 9,270 9,557
16 7,316 7,446 7,572 7,577 7,709 7,843 7,978 8,109 8,252 8,391 8,531 8,666 8,672 8,815 8,958 9,249
17 7,022 7,154 7,281 7,287 7,421 7,556 7,693 7,825 7,970 8,111 8,253 8,391 8,397 8,541 8,687 8,983
18 6,763 6,896 7,025 7,030 7,166 7,303 7,442 7,576 7,723 7,866 8,010 8,149 8,155 8,302 8,450 8,750
19 6,533 6,667 6,797 6,803 6,940 7,079 7,219 7,355 7,504 7,649 7,795 7,936 7,942 8,091 8,241 8,545
20 6,326 6,462 6,594 6,600 6,738 6,879 7,021 7,159 7,309 7,456 7,604 7,747 7,753 7,904 8,056 8,364
21 6,141 6,278 6,412 6,417 6,558 6,700 6,843 6,983 7,135 7,284 7,433 7,579 7,585 7,737 7,892 8,204
22 5,974 6,112 6,247 6,253 6,395 6,538 6,684 6,825 6,979 7,129 7,281 7,428 7,434 7,589 7,745 8,062
23 5,822 5,962 6,098 6,104 6,248 6,393 6,540 6,682 6,839 6,991 7,144 7,293 7,299 7,456 7,614 7,935
24 5,684 5,826 5,963 5,969 6,114 6,261 6,409 6,554 6,712 6,865 7,021 7,171 7,178 7,336 7,496 7,821
25 5,558 5,701 5,840 5,846 5,992 6,141 6,291 6,437 6,597 6,752 6,909 7,061 7,068 7,228 7,390 7,718
26 5,443 5,587 5,728 5,733 5,882 6,031 6,183 6,331 6,492 6,649 6,808 6,962 6,968 7,130 7,294 7,626
27 5,337 5,483 5,624 5,630 5,780 5,931 6,085 6,234 6,397 6,556 6,716 6,872 6,878 7,042 7,207 7,543
28 5,240 5,387 5,530 5,536 5,687 5,840 5,995 6,145 6,310 6,470 6,632 6,790 6,796 6,962 7,129 7,468
29 5,150 5,298 5,443 5,449 5,601 5,755 5,912 6,064 6,230 6,392 6,556 6,715 6,721 6,888 7,057 7,399
30 5,067 5,216 5,362 5,368 5,522 5,678 5,836 5,989 6,157 6,321 6,486 6,646 6,653 6,822 6,992 7,338
  1. Installment simulation in the fixed period:
    How to calculate:
    1. Find the coordinates between 4.5% and 10 years= 10,364.
    2. Multiply 10,364 by 100 (table per IDR 1,000,000) = IDR 1,036,400.
      So the monthly installment is IDR 1,036,400 (principal + interest/margin).
  2. In the floating period, the interest rates or margins increase:
    How to calculate:
    1. Find the coordinates between 12% and 9 years= 15,184.
    2. Multiply 15,184 by 94 (table per IDR 1,000,000) = IDR 1,427,296.
      So the monthly installment is= Rp1,427,296 (principal + interest/margin).
  3. In the floating period, the interest rates or margins decrease:
    How to calculate:
    1. Find the coordinates between 10% and 9 years= 14,079.
    2. Multiply 14,079 by 94 (table per IDR 1,000,000) = IDR 1,323,426.
      So the monthly installment is= Rp1,323,426 (principal + interest/margin).

Note:

  • Instalment value is rounding.
  • Margin value and simulation calculation above is the only illustration and not an exact estimation for the future calculation.
  • Margin and Instalment total that charged to Customers will refer to the mentioned information in Facility Agreement Letter in every delivered information to Customers.
  • Terms about Loan Financing to Value (FTV) for PermataKPR iB refers to Bank of Indonesia Terms or Financial Services Authority and PermataBank valid Privacy Policy.
Tenor (Month) 6 12 24 36
Loan Limits (IDR) Interest Rate 1.79%/month
5,000,000 922,833 506,167 297,833 223,389
10,000,000 1,845,667 1,012,333 595,667 456,778
15,000,000 2,768,500 1,518,500 893,500 685,167
20,000,000 3,691,333 2,024,667 1,191,333 913,556
30,000,000 5,537,000 3,037,000 1,787,000 1,370,333
50,000,000 9,228,333 5,061,667 2,978,333 2,283,889
75,000,000 13,842,500 7,592,500 4,467,500 3,425,833
100,000,000 18,456,667 10,123,333 5,956,667 4,567,778
150,000,000 27,685,000 15,185,000 8,935,000 6,851,667
300,000,000 55,370,000 30,370,000 17,870,000 13,703,333

Note:

  • Simulation above is the Simulation for Reguler Customer Loan.
  • The calculation above is the only illustration and not an exact estimation for the future calculation.
  • The interest calculation of PermataKTA uses decreased interest effective rate.
No Financing Value Tenor 12 (Month) Tenor 24 (Month) Tenor 36 (Month)
Instalment/Month Instalment/Month Instalment/Month 
1 IDR 7,500,000 IDR 699,250 IDR 386,750 IDR 282,583
2 IDR 10,000,000 IDR 932,333 IDR 515,667 IDR 376,778
3 IDR 15,000,000 IDR 1,398,500 IDR 773,500 IDR 565,167
4 IDR 20,000,000 IDR 1,864,667 IDR 1,031,333 IDR 753,556
5 IDR 25,000,000 IDR 2,330,833 IDR 1,289,167 IDR 941,944
6 IDR 30,000,000 IDR 2,797,000 IDR 1,547,000 IDR 1,130,333
7 IDR 40,000,000 IDR 3,729,333 IDR 2,062,667 IDR 1,507,111
8 IDR 50,000,000 IDR 4,661,667 IDR 2,578,333 IDR 1,883,889
9 IDR 75,000,000 IDR 6,992,500 IDR 3,867,500 IDR 2,825,833
10 IDR 100,000,000 IDR 9,323,333 IDR 5,156,667 IDR 3,767,778
11 IDR 150,000,000 IDR 13,985,000 IDR 7,735,000 IDR 5,651,667
12 IDR 200,000,000 IDR 18,646,667 IDR 10,313,333 IDR 7,535,556
13 IDR 250,000,000 IDR 23,308,333 IDR 12,891,667 IDR 9,419,444
14 IDR 300,000,000 IDR 27,970,000 IDR 15,470,000 IDR 11,303,333

Note:

  • The calculation above is the only illustration and not an exact estimation for the future calculation.
Limits (IDR) 1 Year 2 Year 3 Year
Instalment Per Month
100,000,000 9,896,871 5,746,864 4,411,133
150,000,000 14,845,307 8,620,295 6,616,699
200,000,000 19,595,935 11,285,772 8,600,230
250,000,000 24,494,919 14,107,215 10,750,287
300,000,000 29,098,770 16,619,810 12,571,715
350,000,000 33,948,565 19,389,778 14,667,001
400,000,000 38,798,360 22,159,746 16,762,287
450,000,000 43,648,155 24,929,714 18,857,573
500,000,000 47,765,070 26,919,714 20,145,311
550,000,000 52,541,577 29,631,012 22,159,842
600,000,000 57,318,084 32,324,741 24,174,373
650,000,000 62,094,591 35,018,469 26,188,904
700,000,000 66,871,098 37,712,197 28,203,435
750,000,000 71,647,605 40,405,926 30,317,966
800,000,000 76,424,112 43,099,654 32,232,497
850,000,000 81,200,619 45,793,382 34,247,028
900,000,000 85,977,126 48,487,111 36,261,559
950,000,000 90,753,633 51,180,839 38,276,090
1,000,000,000 95,530,139 53,874,567 40,290,621
*The number mentioned in the Instalment Table is only illustration. The approved of limit amount, interest + valid Instalment per month that will be decided based on PermataBank internal privacy policy.
Month Effective Annuity
  Interest Principal Instalment Interest Principal Instalment
1 5,000,000.00 20,833,333.33 25,833,333.33 5,000,000.00 18,536,736.11 23,536,736.11
2 4,791,666.67 20,833,333.33 25,625,000.00 4,814,632.64 18,722,103.47 23,536,736.11
3 4,583,333.33 20,833,333.33 25,416,666.67 4,627,411.60 18,909,324.51 23,536,736.11
... ... ... ... ... ... ...
24 208,333.33 20,833,333.33 21,041,666.67 233,036.99 23,303,699.12 23,536,736.11

Note:

  • The interest that have to be paid based on calculation: loan outstanding x interest per year (%) x loan day total (day) / 360 days.
  • The Interest Calculation simulation above is the only illustration and not an exact estimation for the future calculation.
Loan limits IDR 500,000,000
Interest rate assumption

12% p.a
1st Withdrawal IDR 300,000,000
Withdrawal Tenor

3 Months (monthly paid interest)
Interest (300,000,000 × 12% × 30 days) / 360
IDR 3,000,000 per month

Note:

  • The interest that have to be paid based on calculation: loan outstanding x interest per year (%) x loan day total (day) / 360 days.
  • The Interest Calculation simulation above is the only illustration and not an exact estimation for the future calculation.
Month Effective
  Interest Principal Instalment Interest Principal Instalment
1 5,000,000.00 41,666,666.67 46,666,666.67 5,000,000.00 39,424,394.34 44,424,394.34
2 4,583,333.33 41,666,666.67 46,250,000.00 4,605,756.06 39,818,638.28 44,424,394.34
3 4,166,666.67 41,666,666.67 45,833,333.34 4,207,569.67 40,216,824.67 44,424,394.34
4 3,750,000.00 41,666,666.67 45,416,666.67 3,805,401.42 40,618,992.92 44,424,394.34
5 3,333,333.33 41,666,666.67 45,000,000.00 3,399,211.50 41,025,182.84 44,424,394.34
6 2,916,666.67 41,666,666.67 44,583,333.34 2,988,959.67 41,435,434.67 44,424,394.34
7 2,500,000.00 41,666,666.67 41,666,666.67 2,574,605.32 41,849,789.02 44,424,394.34
8 2,083,333.33 41,666,666.67 43,750,000.00 2,156,107.43 42,268,286.91 44,424,394.34
9 1,666,666.67 41,666,666.67 43,333,333.34 1,733,424.56 42,690,969.78 44,424,394.34
10 1,250,000.00 41,666,666.67 42,916,666.67 1,306,514.87 43,117,879.47 44,424,394.34
11 833,333.33 41,666,666.67 42,500,000.00 875,336.07 43,549,058.27 44,424,394.34
12 416,666.67 41,666,666.67 42,083,333,34 439,845.49 43,984,548.85 44,424,394.34

Note:

  • The interest that have to be paid based on calculation: loan outstanding x interest per year (%) x loan day total (day) / 360 days.
  • The Interest Calculation simulation above is the only illustration and not an exact estimation for the future calculation.

Fixed (Principal and Interest) Instalment
Example:
Withdrawal Amount: IDR 24,000,000
Interest Rate10% per year
Instalment Total 24 times
Withdrawal Date15-Sep-14

Instalment to

Date

Instalment/Month

Principle Portion

Outstading

0

 

 

 

 

24,000,000

1

15-Oct-14

1,107,478

907,478

200,000

23,092,522

2

15-Nov-14

1,107,478

915,040

192,438

22,177,482

3

15-Dec-14

1,107,478

922,666

184,812

21,254,816

4

15-Jan-15

1,107,478

930,355

177,123

20,324,461

5

15-Feb-15

1,107,478

938,107

169,371

19,386,354

6

15-Mar-15

1,107,478

945,925

161,553

18,440,429

7

15-Apr-15

1,107,478

953,808

153,670

17,486,621

8

15-May-15

1,107,478

961,75

145,722

16,524,865

9

15-Jun-15

1,107,478

969,771

137,707

15,555,094

10

15-Jul-15

1,107,478

977,852

129,626

14,577,242

11

15-Aug-15

1,107,478

986,001

121,477

13,591,241

12

15-Sep-15

1,107,478

994,218

113,260

12,597,023

13

15-Oct-15

1,107,478

1,002,503

104,975

11,594,520

14

15-Nov-15

1,107,478

1,010,857

96,621

10,583,663

15

15-Dec-15

1,107,478

1,019,281

88,197

9,564,382

16

15-Jan-16

1,107,478

1,027,775

79,703

8,536,607

17

15-Feb-16

1,107,478

1,036,340

71,138

7,500,267

18

15-Mar-16

1,107,478

1,044,976

62,502

6,455,291

19

15-Apr-16

1,107,478

1,053,684

53,794

5,401,607

20

15-May-16

1,107,478

1,062,465

45,013

4,339,142

21

15-Jun-16

1,107,478

1,071,318

36,160

3,267,824

22

15-Jul-16

1,107,478

1,080,246

27,232

2,187,578

23

15-Aug-16

1,107,478

1,089,248

18,230

1,098,330

24

15-Sep-16

1,107,478

1,098,330

9,153

-

Total

 

26,579,472

24,000,000

2,579,477

26,579,477

Description:
The Interest Calculation simulation above is the only illustration and not an exact estimation for the future calculation.

Bank Guarantee Value IDR 100,000,000
Issuance Fee (per annum*) 2%
Tenor 180 hari
Bank Guarantee issuance fee IDR 1,000,000
Bank Guarantee amendment (increase) IDR 50,000,000
amendment fee (per annum*) 2%
Amandemen fee IDR 1,000,000
*) 1 year assumption = 360 days

Note:

  • Bank Guarantee Issuance Fee: the issued Bank Guarantee value x Bank Guarantee Issuance fee (per year (360) day) x tenor (day) / 360.
  • The amendment fee that should be paid based on calculation: amendment value (Bank Guarantee increase) x amendment fee (per annum).
  • The calculation example above that includes fee value is not an exact estimation for the future calculation.
LC Value USD 50,000
Negotiation Commission 0.25%
Negotiation commission fee USD 125

Note:

  • Negotiation commission fee : LC value or SKBDN x commission.
  • The calculation example above that includes fee value is not an exact estimation for the future calculation.
Export Document Value USD 40,000
Collection Commission 0.125%
Fee, Export Bills Under Collection Commission USD 50

Note: 

  • Export Bills Under Collection fee: export document value x collection fee.
  • The calculation example above that includes fee value is not an exact estimation for the future calculation.
Loan Value IDR 250,000,000
Tenor 180 days
Interest (per year) 8%
Must paid interest IDR 10,000,000
PPrincipal + Interest on the due date IDR 110,000,000
Handling Fee IDR 100,000
Commission (0.125% per transaction) IDR 125,000

Note:

  • D1 year assumption = 360 days
  • The must paid interest based on calculation: loan value x interest (per year) x tenor (day) / 360.
  • The must paid handling fee is Rp 100,000 flat.
  • The must paid commission based on calculation: loan value x commission (per transaction).
  • The calculation example above that includes fee value is not an exact estimation for the future calculation.

LC or SKBDN Issuance and amendment fee Calculation Example:

The Issued LC or SKBDN value IDR 100,000,000 (tolerance 0%)
The issued LC or SKBDN date 1 March 2015
LC or SKBDN expiry date 1 September 2015
Issuance LC fee or SKBDN (per 3 months) 0.25%
Amendment fee (each 3 months) 0.25%
Amendment LC or SKBDN increases amount IDR 50,000,000
The issued LC or SKBDN date 31 May 2015
Fee Calculation
Biaya Issuance LC atau SKBDN IDR 500,000
Amendment fee IDR 125,000 *) IDR 350,000
*) In the example below, because the amendment fee charged to customer is under minimum pricing, so that the customer will be charged of the minimum pricing IDR 350,000.

Example 1. SKBDN Issuance or Acceptance Fee Calculation:

Issued LC value IDR 100,000,000 (tolerance 0%)
Issued date of LC or SKBDN 1 March 2015
Acceptance fee (per month) 0.125%
Tenor Acceptance 75 days
Calculation Fee
Acceptance Fee **) IDR 375,000
*) 1 month assumption = 30 days

Example 2. SKBDN Issuance or Acceptance Calculation:

The issued LC value IDR 100,000,000 (tolerance 0%)
LC or SKBDN issued date 1 March 2015
Acceptance fee (per month) 0.125%
Tenor Acceptance 75 days
Fee Calculation
Acceptance Fee **) IDR 125,000*) > IDR 350,000
*) *) In the example below, because the amendment fee charged to customer is under minimum pricing, so that the customer will be charged of the minimum pricing Rp 350,000
**) 1 month assumption = 30 days

LC or SKBDN UPAS Fee Calculation Example:

LC or SKBDN issued value IDR 100,000,000 (tolerance 0%)
LC or SKBDN issued date 1 March 2015
LC or SKBDN expiry date 1 December 2015
LC or SKBDN UPAS tenor 275 days
LC or SKBDN UPAS Issuance Fee (per 3 months) 0.25%
LC or SKBDN interest (per annum) 0.125%
Tenor Acceptance 3 months
LC or SKBDN UPAS interest (per annum) 13%
Fee Calculation
LC or SKBDN UPAS Issuance Fee IDR 500,000
Acceptance Fee IDR 375,000
LC or SKBDN UPAS interest *) IDR 9,930,556
*) *) The interest will be paid in the end of tenor period and calculated based on calendar.

Note:

  • LC or SKBDN Issuance Fee: LC or SKBDN issued value x LC or SKBDN Issuance Fee (per 90 days) x tenor (day) / 90 days.
  • The must paid LC or SKBDN Issuance Amandment Fee based on calculation is: Amendment Value (Increase LC or SKBDN) x Amendment Fee (per 3 month).
  • The must paid Acceptance Fee based on calculation: LC or SKBDN value x Acceptnace Fee (per month) x Tenor Acceptance.
  • The must paid LC or SKBDN UPAS based on calculation: LC or SKBDN UPAS Value x LC or SKBDN UPAS Interest x LC or SKBDN UPAS Tenor / 360 days.

Example 1:

Loan Value IDR 100,000,000    
Tenor 180 days    
Interest (per year) 8% 10% 12%
Must paid interest IDR 4,000,000 IDR 5,000,000 IDR 6,000,000
Principal + Interest on the due date IDR 104,000,000 IDR 105,000,000 IDR 106,000,000

Example 2:

Loan Value IDR 100,000,000
Disbursement Date 1 March 2015
Tenor 6 month
Due Date/td> 1 September 2015
Term ( 1 March - 1 September 2015) 184 days
Interest (per year) 8%
Must paid interest IDR 4,088,889
Principal + Interest on the due date IDR 104,088,889

Note:

  • 1 year assumption = 360 days.
  • The must paid interest based on calculation: loan value x interest (per year) x tenor (day) / 360.
  • The calculation example above that includes fee value is an illustration and not an exact estimation for the future calculation.
Shipping Guarantee issued value IDR 300,000,000
Shipping guarantee Fee Precentage (%) (%) 0.125%
Shipping Guarantee issuance fee IDR 375,000

Note:

  • Shipping guarantee fee: Shipping Guarantee issued value x Shipping Guarantee Fee.
  • The calculation example above that includes fee value is an illustration and not an exact estimation for the future calculation.

LC or SKBDN Issuance & Amendment Fee Calculation Example:

LC or SKBDN issued value IDR 100,000,000 (tolerance 0%)
Nilai LC atau SKBDN yang diterbitkan IDR 100,000,000 (tolerance 0%)
LC or SKBDN issued date 1 March 2015
Expiry date of LC or SKBDN 1 September 2015
Issuance fee LC or SKBDN (per 3 months) 0.25%
Amendment fee (per 3 months) 0.25%
Lc or SKBDN Amendment Date 31 May 2015
Calculation Fee
LC or SKBDN Issuance fee IDR 500,000
Amendment fee IDR 125,000 *) IDR 350,000
*) Because the amendment fee charged to customer in example below is under Minimum Pricing, the customer will be charged the Minimum Pricing IDR 350.000.

Example 1. The Acceptance Fee Calculation of LC or SKBDN Issuance :

LC issued value IDR 100,000,000 (tolerance 0%)
LC or SKBDN issued date 1 March 2015
Acceptance fee (per month) 0.125%
Acceptance Tenor 75 days/td>
Calculation Fee
Acceptance fee **) IDR 375,000
**) 1 month assumption = 30 Days

Example 2. The Acceptance Fee Calculation of LC or SKBDN Issuance :

LC or SKBDN issued value IDR 100,000,000 (tolerance 0%)
LC or SKBDN issued date 1 March 2015
LC or SKBDN Acceptance Fee (per month) 0.125%
Acceptance Tenor 1 month
Calculation Fee
Acceptance fee **) IDR 125,000*) > IDR 350,000
*) Because the amendment fee charged to customer in example below is under Minimum Pricing, the customer will be charged the Minimum Pricing IDR 350.000.

LC/SKBDN UPAS Fee Calculation Example:

LC or SKBDN issued value IDR 100,000,000 (tolerance 0%)
LC or SKBDN issued date 1 March 2015
Expiry date of LC or SKBDN 1 December 2015
LC or SKBDN Tenor 275 days
Issuance fee of LC or SKBDN (per 3 months) 0.25%
Acceptance fee of LC or SKBDN (per month) 0.125%
Tenor Acceptance 3 months
LC or SKBDN UPAS interest (per annum) 13%
Calculation Fee
Issuance fee of LC or SKBDN UPAS IDR 500,000
Acceptance Fee IDR 375,000
LC or SKBDN UPAS interest *) IDR 9,930,556
*) The interest will be paid in the end of tenor period and calculated based on calendar.

Note:

  • LC or SKBDN Issuance Fee: LC or SKBDN issued value x LC or SKBDN Issuance Fee (per 90 days) x tenor (day) / 90 days.
  • The must paid LC or SKBDN Issuance Amandment Fee based on calculation is: Amendment Value (Increase LC or SKBDN) x Amendment Fee (per 3 month).
  • The must paid Acceptance Fee based on calculation: LC or SKBDN value x Acceptnace Fee (per month) x Tenor Acceptance.
  • The must paid Interest LC or SKBDN UPAS based on calculation: LC or SKBDN UPAS Value x LC or SKBDN UPAS Interest x LC or SKBDN UPAS Tenor / 360 days.
  • The calculation simulation above is the only illustration and not an exact estimation for the future calculation.
Bank Guarantee Value IDR 100,000,000
Issuance Fee (per annum*) 2%
Tenor 180 days
Bank Guarantee issuance fee IDR 1,000,000
Bank Guarantee amendment (increase) IDR 50,000,000
Amendment fee (per annum*) 2%
Amendment fee Rp 1,000,000
*) *) 1 year assumption = 360 days

Note:

  • Bank Guarantee Issuance Fee: the issued Bank Guarantee value x Bank Guarantee Issuance fee (per year (360) day) x tenor (day) / 360.
  • The amendment fee that should be paid based on calculation: amendment value (Bank Guarantee increase) x amendment fee (per annum).
  • The calculation simulation above is the only illustration and not an exact estimation for the future calculation.

Export Document Value

USD 40,000

Collection Fee

0.125%

Fee Outward Documentary Collection

USD 50

Note:

  • Fee Outward Documentary Collection: export document value x collection fee.
  • The calculation example above that includes fee value is not an exact estimation for the future calculation.

Documentary Collection Inward

Import Document Value

USD 30,000

Collection Fee

0.125%

Fee Inward Documentary Collection

USD 37,5

Note:

  • Fee Inward Documentary Collection: export document value x collection fee.
  • The calculation example above that includes fee value is not an exact estimation for the future calculation.

LC or SKBDN Issuance Fee Calculation Example:

LC or SKBDN issued value IDR 100,000,000 (tolerance 0%)
LC or SKBDN issued date 1 March 2015
Expiry date LC or SKBDN 1 September 2015
LC or SKBDN Issuance Fee (per 3 months) 0.25%
Amendment fee (each 3 months) 0.25%
LC or SKBDN Amendment increase amountIDR 50,000,000
LC or SKBDN Amendment date 31 May 2015
Fee Calculation
Issuance Fee
LC or SKBDN		 IDR 500,000
Amendment fee IDR 125,000
*) *) Because the amendment fee charged to customer in example below is under Minimum Pricing, the customer will be charged the Minimum Pricing IDR 350,000.

Example 1. SKBDN Issuance or Acceptance Fee Calculation:Issuance:

LC issued value IDR 100,000,000 (tolerance 0%)
LC or SKBDN issued date 1 March 2015
Acceptance Fee (per month) 0.125%
Tenor Acceptance 75 days *)
Fee Calculation
Acceptance Fee IDR 375,000*)
*) 1 month assumption = 30 days

Example 2. SKBDN Issuance or Acceptance Fee Calculation::

LC issued value IDR 100,000,000 (tolerance 0%)
LC or SKBDN issued date 1 March 2015
Acceptance Fee (per Month) 0.125%
Tenor Acceptance 1 Month
Fee Calculation
Biaya Acceptance IDR 125,000*)
*) Because the amendment fee charged to customer in example below is under Minimum Pricing, the customer will be charged the Minimum Pricing IDR 350,000.

LC/SKBDN UPAS Fee Calculation Example:

LC or SKBDN issued value IDR 100,000,000 (tolerance 0%)
LC or SKBDN issued date 1 March 2015
Expiry date LC or SKBDN UPAS 1 December 2015
LC or SKBDN Tenor 275 days
Issuance fee of LC or SKBDN (per 3 months) 0.25%
Acceptance Fee (per Month)of LC or SKBDN 0.125%
Tenor Acceptance 3 Months
LC or SKBDN UPAS interest (per annum) 13%
Calculation Fee
Issuance Fee of LC or SKBDN UPAS IDR 500,000
Acceptance Fee IDR 375,000
LC or SKBDN UPAS interest *) IDR 9,930,556
*)The interest will be paid in the end of tenor period and calculated based on calendar.

Note:

  • LC or SKBDN Issuance Fee: LC or SKBDN issued value x LC or SKBDN Issuance Fee (per 90 days) x tenor (day) / 90 days.
  • The must paid LC or SKBDN Issuance Amandment Fee based on calculation is: Amendmen Value (Increase LC or SKBDN) x Amendment Fee (per 3 month).
  • The must paid Acceptance Fee based on calculation: LC or SKBDN value x Acceptnace Fee (per month) x Tenor Acceptance.
  • The must paid Interest LC or SKBDN UPAS based on calculation: LC or SKBDN UPAS Value x LC or SKBDN UPAS Interest x LC or SKBDN UPAS Tenor / 360 days.
  • The calculation simulation above is the only illustration and not an exact estimation for the future calculation.

Example 1:

Loan Value

IDR 100,000,000

Tenor

180 Days

Interest (per year*))

8%

Must paid interest

IDR 4,000,000

Principal + Interest on due date

IDR 104,000,000
*) 1 year assumption = 360 days

Example 2:

Loan Value

IDR 100,000,000

Disbursement date

1 Maret 2015

Tenor

6 Month

Due date

1 September 2015

Total days (1 March - 1 September 2015)

184 days

Interest (per year*))

8%

Ammount Interest charged

IDR 4,088,889

Principal + Interest on due date

IDR 104,088,889
*) With assumption 1 year = 360 days

Note:

  • - The must paid interest based on calculation: loan value x interest (per year) x tenor (day) / 360.
  • - The calculation example above is an illustration and not an exact estimation for the future calculation.

Loan Value

IDR 400,000,000

Tenor

180 days

Discount rate (per year)*))

8%

Discount Value Rate

IDR 16,000,000

Commision for each Transaction (0.25% per transaction)

IDR 250,000
*) With assumption 1 year = 360 days

Note :

  • The must paid interest based on calculation: loan value x interest (per year) x tenor (day) / 360.
  • Commision must paid based on calculation: Loan value x Commison (each transaction).
  • The calculation example above is an illustration and not an exact estimation for the future calculation.
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