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)
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 |
Mas mau tanya, kalau misal leasing pokoknya 120.000.000 nah ada pembayaran awal 20.000.000 tahap 1. Nah bunga nya itu tetap dari pokok 120.000.000 atau sesudah dikurangi pembayaran awalnya ya 100.000.000?
BalasHapusMas mau tanya, kalau misal leasing pokoknya 120.000.000 nah ada pembayaran awal 20.000.000 tahap 1. Nah bunga nya itu tetap dari pokok 120.000.000 atau sesudah dikurangi pembayaran awalnya ya 100.000.000?
BalasHapuscara mencari persentasi nya gmna ya pak
BalasHapuscara mencari persentasi nya gmna ya pak
BalasHapusMas mau tanya klo leasing 100juta,,,bayarnya berapa 1 bulan klo selama 24 bulan
BalasHapus