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)
Jumat, 09 April 2010
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)
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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