CARA MENGHITUNG CICILAN LEASING HOW TO CALCULATE LEASING INSTALLMENT

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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