CARA MENGHITUNG CICILAN LEASING HOW TO CALCULATE LEASING INSTALLMENT

Senin, 01 November 2010

anodynes are the answer!

anodynes are the answer!

Jumat, 09 April 2010

effective rate formula on leasing

formula rate, effective leasing installments
example how to calculate the leasing installments

= 139,600,000 outstanding principal
= 5.9% flat rate
Time payment = 3 years = 36 months
obtained any interest = 139,600,000 * 5.9% = 24,711,200
Total debt = 139,600,000 + 24,711,200 = 164,311,200
installments per month is = 164.311.200/36 = 4564200

to find the effective rate is to use Excel formula = rate (NPER, PMT, PV, FV, type, guess)
NPER = total period (36)
PMT = monthly payment = 4564200
pv = 139,600,000
Fy = 0
type = 1 payments beginning of period
guess = guess percentage

obtained any rate (36; 4,564,200; 139,600,000; 0; 1; 11) = 0.96% per month (11:57% per year)

Date Interest Principal Installment Principal Total
11/12/09 - 4,564,200 4,564,200 135,035,800 164,311,200
11/01/10 1,302,163 3,262,037 4,564,200 131,773,763 159,747,000
11/02/10 1,270,707 3,293,493 4,564,200 128,480,269 155,182,800
11/03/10 1,238,947 3,325,253 4,564,200 125,155,016 150,618,600
11/04/10 1,206,881 3,357,319 4,564,200 121,797,698 146,054,400
11/05/10 1,174,506 3,389,694 4,564,200 118,408,004 141,490,200
11/06/10 1,141,819 3,422,381 4,564,200 114,985,623 136,926,000
11/07/10 1,108,817 3,455,383 4,564,200 111,530,240 132,361,800
11/08/10 1,075,496 3,488,704 4,564,200 108,041,536 127,797,600
11/09/10 1,041,854 3,522,346 4,564,200 104,519,191 123,233,400
11/10/10 1,007,888 3,556,312 4,564,200 100,962,879 118,669,200
11/11/10 973,594 3,590,606 4,564,200 97,372,273 114,105,000
11/12/10 938,970 3,625,230 4,564,200 93,747,043 109,540,800
11/01/11 904,011 3,660,189 4,564,200 90,086,855 104,976,600
11/02/11 868,716 3,695,484 4,564,200 86,391,370 100,412,400
11/03/11 833,080 3,731,120 4,564,200 82,660,250 95,848,200
11/04/11 797,100 3,767,100 4,564,200 78,893,151 91,284,000
11/05/11 760,774 3,803,426 4,564,200 75,089,725 86,719,800
11/06/11 724,097 3,840,103 4,564,200 71,249,622 82,155,600
11/07/11 687,067 3,877,133 4,564,200 67,372,488 77,591,400
11/08/11 649,679 3,914,521 4,564,200 63,457,967 73,027,200
11/09/11 611,931 3,952,269 4,564,200 59,505,698 68,463,000
11/10/11 573,819 3,990,381 4,564,200 55,515,317 63,898,800
11/11/11 535,339 4,028,861 4,564,200 51,486,457 59,334,600
11/12/11 496,489 4,067,711 4,564,200 47,418,745 54,770,400
11/01/12 457,263 4,106,937 4,564,200 43,311,809 50,206,200
11/02/12 417,660 4,146,540 4,564,200 39,165,268 45,642,000
11/03/12 377,674 4,186,526 4,564,200 34,978,743 41,077,800
11/04/12 337,303 4,226,897 4,564,200 30,751,846 36,513,600
11/05/12 296,543 4,267,657 4,564,200 26,484,189 31,949,400
11/06/12 255,389 4,308,811 4,564,200 22,175,378 27,385,200
11/07/12 213,839 4,350,361 4,564,200 17,825,017 22,821,000
11/08/12 171,888 4,392,312 4,564,200 13,432,706 18,256,800
11/09/12 129,533 4,434,667 4,564,200 8,998,039 13,692,600
11/10/12 86,769 4,477,431 4,564,200 4,520,607 9,128,400
11/11/12 43,593 4,520,607 4,564,200 0 4,564,200

24,711,200 139,600,000
0 (0)

Kamis, 08 April 2010

rumus cicilan leasing effective rate

contoh untuk menghitung cicilan leasing

Pokok hutang = 139.600.000
Flat rate = 5.9%
Waktu pembayaran = 3 tahun = 36 bulan
maka didapatkan bunga = 139.600.000*5.9% = 24.711.200
Total hutang = 139.600.000 + 24.711.200 = 164.311.200
cicilan per bulan adalah =164.311.200/36 = 4.564.200

untuk mencari effective rate gunakan rumus excell =rate(nper,pmt,pv,fv,type,guess)
nper = total periode (36)
pmt = cicilan bulanan = 4.564.200
pv = 139.600.000
fv = 0
type = 1 pembayaran diawal periode
guess = tebakan persentase

maka didapatkan rate(36;4.564.200;139.600.000;0;1;11)= 0.96% perbulan (11.57% pertahun)

Date Interest Principal Installment Principal Total

11/12/09 - 4.564.200 4.564.200 135.035.800 164.311.200
11/01/10 1.302.163 3.262.037 4.564.200 131.773.763 159.747.000
11/02/10 1.270.707 3.293.493 4.564.200 128.480.269 155.182.800
11/03/10 1.238.947 3.325.253 4.564.200 125.155.016 150.618.600
11/04/10 1.206.881 3.357.319 4.564.200 121.797.698 146.054.400
11/05/10 1.174.506 3.389.694 4.564.200 118.408.004 141.490.200
11/06/10 1.141.819 3.422.381 4.564.200 114.985.623 136.926.000
11/07/10 1.108.817 3.455.383 4.564.200 111.530.240 132.361.800
11/08/10 1.075.496 3.488.704 4.564.200 108.041.536 127.797.600
11/09/10 1.041.854 3.522.346 4.564.200 104.519.191 123.233.400
11/10/10 1.007.888 3.556.312 4.564.200 100.962.879 118.669.200
11/11/10 973.594 3.590.606 4.564.200 97.372.273 114.105.000
11/12/10 938.970 3.625.230 4.564.200 93.747.043 109.540.800
11/01/11 904.011 3.660.189 4.564.200 90.086.855 104.976.600
11/02/11 868.716 3.695.484 4.564.200 86.391.370 100.412.400
11/03/11 833.080 3.731.120 4.564.200 82.660.250 95.848.200
11/04/11 797.100 3.767.100 4.564.200 78.893.151 91.284.000
11/05/11 760.774 3.803.426 4.564.200 75.089.725 86.719.800
11/06/11 724.097 3.840.103 4.564.200 71.249.622 82.155.600
11/07/11 687.067 3.877.133 4.564.200 67.372.488 77.591.400
11/08/11 649.679 3.914.521 4.564.200 63.457.967 73.027.200
11/09/11 611.931 3.952.269 4.564.200 59.505.698 68.463.000
11/10/11 573.819 3.990.381 4.564.200 55.515.317 63.898.800
11/11/11 535.339 4.028.861 4.564.200 51.486.457 59.334.600
11/12/11 496.489 4.067.711 4.564.200 47.418.745 54.770.400
11/01/12 457.263 4.106.937 4.564.200 43.311.809 50.206.200
11/02/12 417.660 4.146.540 4.564.200 39.165.268 45.642.000
11/03/12 377.674 4.186.526 4.564.200 34.978.743 41.077.800
11/04/12 337.303 4.226.897 4.564.200 30.751.846 36.513.600
11/05/12 296.543 4.267.657 4.564.200 26.484.189 31.949.400
11/06/12 255.389 4.308.811 4.564.200 22.175.378 27.385.200
11/07/12 213.839 4.350.361 4.564.200 17.825.017 22.821.000
11/08/12 171.888 4.392.312 4.564.200 13.432.706 18.256.800
11/09/12 129.533 4.434.667 4.564.200 8.998.039 13.692.600
11/10/12 86.769 4.477.431 4.564.200 4.520.607 9.128.400
11/11/12 43.593 4.520.607 4.564.200 0 4.564.200

24.711.200 139.600.000
0 (0)


Principal    139.600.000



11,57%
interest    24.711.200      24.711.294  bunga 

0,96%
total   164.311.200      4.564.200  36 bulan 

17,70%
Flat rate 5,90%



Effective rate 11,57%



Date  Interest   Principal   Installment   Principal   Total  %/bln
11/12/09                   -      4.564.200      4.564.200    135.035.800  164.311.200 0,96%
11/01/10      1.302.163      3.262.037      4.564.200    131.773.763  159.747.000 0,96%
11/02/10      1.270.707      3.293.493      4.564.200    128.480.269  155.182.800 0,96%
11/03/10      1.238.947      3.325.253      4.564.200    125.155.016  150.618.600 0,96%
11/04/10      1.206.881      3.357.319      4.564.200    121.797.698  146.054.400 0,96%
11/05/10      1.174.506      3.389.694      4.564.200    118.408.004  141.490.200 0,96%
11/06/10      1.141.819      3.422.381      4.564.200    114.985.623  136.926.000 0,96%
11/07/10      1.108.817      3.455.383      4.564.200    111.530.240  132.361.800 0,96%
11/08/10      1.075.496      3.488.704      4.564.200    108.041.536  127.797.600 0,96%
11/09/10      1.041.854      3.522.346      4.564.200    104.519.191  123.233.400 0,96%
11/10/10      1.007.888      3.556.312      4.564.200    100.962.879  118.669.200 0,96%
11/11/10         973.594      3.590.606      4.564.200      97.372.273  114.105.000 0,96%
11/12/10         938.970      3.625.230      4.564.200      93.747.043  109.540.800 0,96%
11/01/11         904.011      3.660.189      4.564.200      90.086.855  104.976.600 0,96%
11/02/11         868.716      3.695.484      4.564.200      86.391.370  100.412.400 0,96%
11/03/11         833.080      3.731.120      4.564.200      82.660.250    95.848.200 0,96%
11/04/11         797.100      3.767.100      4.564.200      78.893.151    91.284.000 0,96%
11/05/11         760.774      3.803.426      4.564.200      75.089.725    86.719.800 0,96%
11/06/11         724.097      3.840.103      4.564.200      71.249.622    82.155.600 0,96%
11/07/11         687.067      3.877.133      4.564.200      67.372.488    77.591.400 0,96%
11/08/11         649.679      3.914.521      4.564.200      63.457.967    73.027.200 0,96%
11/09/11         611.931      3.952.269      4.564.200      59.505.698    68.463.000 0,96%
11/10/11         573.819      3.990.381      4.564.200      55.515.317    63.898.800 0,96%
11/11/11         535.339      4.028.861      4.564.200      51.486.457    59.334.600 0,96%
11/12/11         496.489      4.067.711      4.564.200      47.418.745    54.770.400 0,96%
11/01/12         457.263      4.106.937      4.564.200      43.311.809    50.206.200 0,96%
11/02/12         417.660      4.146.540      4.564.200      39.165.268    45.642.000 0,96%
11/03/12         377.674      4.186.526      4.564.200      34.978.743    41.077.800 0,96%
11/04/12         337.303      4.226.897      4.564.200      30.751.846    36.513.600 0,96%
11/05/12         296.543      4.267.657      4.564.200      26.484.189    31.949.400 0,96%
11/06/12         255.389      4.308.811      4.564.200      22.175.378    27.385.200 0,96%
11/07/12         213.839      4.350.361      4.564.200      17.825.017    22.821.000 0,96%
11/08/12         171.888      4.392.312      4.564.200      13.432.706    18.256.800 0,96%
11/09/12         129.533      4.434.667      4.564.200       8.998.039    13.692.600 0,96%
11/10/12           86.769      4.477.431      4.564.200       4.520.607      9.128.400 0,96%
11/11/12           43.593      4.520.607      4.564.200                    0      4.564.200
   24.711.200  139.600.000
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