Kalkulator KPR
Cicilan saben sasi saka rega, DP, suku bunga lan tenor, kanthi pelunasan tambahan.
Babagan Kalkulator KPR
Cicilan saben sasi saka rega, DP, suku bunga lan tenor, kanthi pelunasan tambahan.
Bagean saka seksi “KPR & properti” SmartCalcy. Lumaku ing browser panjenengan tanpa akun, nganggo mata uang lan satuan panjenengan dhewe (ganti ing sisih ndhuwur kaca), lan menehi perkiraan mung kanggo informasi, mula priksa pandhuan resmi sadurunge ngandelake asile.
Carane nganggo Kalkulator KPR
Apa sing dietung lan kapan nganggo
Ngira-ira cicilan saben sasi KPR anuitas saka rega, DP, suku bunga lan tenor, sarta pengaruhe pelunasan tambahan.
Carane nganggo, langkah demi langkah
- Lebokna rega properti lan DP minangka persentase utawa jumlah.
- Lebokna suku bunga lan tenor.
- Tambahna pelunasan tambahan kanggo ndeleng wektu lan bunga sing diirit.
Tegese saben input
- Rega properti – Rega tuku sing wis disarujuki.
- DP – Lebokna minangka persentase utawa jumlah. DP luwih gedhe tegese utangan luwih cilik.
- Suku bunga – Suku bunga saben taun ing KPR anuitas.
- Tenor – Suwene KPR ing taun.
- Pelunasan tambahan saben sasi – Pembayaran tambahan opsional saliyane sing wajib.
Carane maca asile
- Cicilan saben sasi – Pokok lan Bunga only.
- Loan-to-value (LTV) – The loan as a percentage of the price. Lower LTV usually means better rates.
- Total bunga – Bunga over the whole Tenor.
Rumus
Cicilan saben sasi = P × r ÷ (1 − (1 + r)^−n), P yaiku rega dikurangi DP, r yaiku suku bunga taunan ÷ 12 lan n yaiku tenor ing sasi.
Conto petungan
Properti 300.000 kanthi DP 15% kari 255.000 sing kudu diutang. Kanthi bunga 4,5% sajrone 25 taun cicilane kira-kira 1.417,37 saben sasi lan bunga sajrone tenor kebak kira-kira 170.212. Pelunasan tambahan 100 saben sasi ngrampungake KPR sajrone kira-kira 22 taun 2 sasi lan ngirit bunga kira-kira 21.930.
Asumsi lan watesan
- A fixed tarif kanggo the whole Tenor.
- Property tax, insurance and fees are excluded. Use the real estate calculator for the full cost of owning.
Kesalahan umum
- Mung nganggarake cicilan. Pajak, asuransi bangunan, biaya lan pangopènan iku tambahan.
- Nganggep suku bunga tetep sajrone tenor kebak. Priksa kapan tawaran panjenengan rampung.
- Pelunasan tambahan tanpa mriksa wates pelunasan taunan saka bank.
Pitakonan sing kerep ditakokake
Pira DP sing dibutuhake?
Gumantung karo bank lan negarane. Suku bunga sing luwih apik asring kasedhiya kanggo DP 10% utawa luwih.
Ing ngendi aku bisa ndeleng biaya saben sasi kalebu pajak?
Gunakake kalkulator properti utawa kalkulator kemampuan tuku omah.
Piranti sing gegandhengan
Rincian
- DP
- £45,00015%
- Loan-to-value (LTV)
- 85%
- Total bunga
- £170,212
- Total sing dibayar
- £425,212
Saben taun
| Taun | Pokok | Bunga | Saldo |
|---|---|---|---|
| 1 | £5,649 | £11,359 | £249,351 |
| 2 | £5,909 | £11,100 | £243,442 |
| 3 | £6,180 | £10,828 | £237,262 |
| 4 | £6,464 | £10,545 | £230,799 |
| 5 | £6,761 | £10,248 | £224,038 |
| 6 | £7,071 | £9,937 | £216,966 |
| 7 | £7,396 | £9,612 | £209,570 |
| 8 | £7,736 | £9,272 | £201,834 |
| 9 | £8,091 | £8,917 | £193,742 |
| 10 | £8,463 | £8,545 | £185,279 |
| 11 | £8,852 | £8,156 | £176,427 |
| 12 | £9,259 | £7,750 | £167,168 |
| 13 | £9,684 | £7,324 | £157,484 |
| 14 | £10,129 | £6,880 | £147,356 |
| 15 | £10,594 | £6,414 | £136,761 |
| 16 | £11,081 | £5,928 | £125,680 |
| 17 | £11,590 | £5,419 | £114,090 |
| 18 | £12,122 | £4,886 | £101,968 |
| 19 | £12,679 | £4,329 | £89,289 |
| 20 | £13,262 | £3,747 | £76,027 |
| 21 | £13,871 | £3,137 | £62,156 |
| 22 | £14,508 | £2,500 | £47,648 |
| 23 | £15,175 | £1,834 | £32,473 |
| 24 | £15,872 | £1,137 | £16,601 |
| 25 | £16,601 | £407 | £0 |