{"id":42931,"date":"2024-09-17T07:28:36","date_gmt":"2024-09-17T00:28:36","guid":{"rendered":"https:\/\/www.olx.co.id\/news\/?p=42931"},"modified":"2026-03-06T09:43:57","modified_gmt":"2026-03-06T02:43:57","slug":"cara-menghitung-bunga-pinjaman-kredit-yang-benar-dan-akurat","status":"publish","type":"post","link":"https:\/\/www.olx.co.id\/news\/cara-menghitung-bunga-pinjaman-kredit-yang-benar-dan-akurat","title":{"rendered":"Cara Menghitung Bunga Pinjaman Kredit yang Benar dan Akurat"},"content":{"rendered":"<blockquote><p><strong>Cara menghitung bunga pinjaman jadi acuan penting agar tidak salah hitung saat memilih jenis pinjaman. Simak caranya berikut!<\/strong><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Cara menghitung bunga pinjaman adalah hal penting yang wajib kamu ketahui dalam mengakses layanan pembiayaan dana dari lembaga finansial. Nah, terdapat dua model suku bunga yakni tetap dan mengambang. Bagaimana cara hitungnya? Simak cara menghitung bunga pinjaman berikut.<\/span><\/p>\n<h2><b>Rumus dan Cara Menghitung Persen Bunga Pinjaman<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Cara menghitung bunga pinjaman bisa menggunakan rumus berdasarkan jenis bunga sebagai berikut:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Flat: Bunga per Bulan = (Pokok Pinjaman x Suku Bunga x Jumlah Tahun Kredit) \/ Bulan.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Efektif: Bunga Efektif = Nilai pokok pinjaman bulan sebelumnya x bunga per tahun x (proporsi hari dalam 1 bulan terhadap 1 tahun)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Anuitas: Bunga = Saldo Pokok x Suku Bunga \/ 12.<\/span><\/li>\n<\/ul>\n<h2><b>Contoh Simulasi Hitungan Bunga Pinjaman<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Berikut adalah simulasi cara menghitung bunga pinjaman kredit berdasarkan rumus di atas.\u00a0<\/span><\/p>\n<h3><b>1. Flat<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Inilah jenis bunga yang tidak berubah dari awal hingga pelunasan pendanaan. Biasanya, model ini diterapkan pada pinjaman kredit kendaraan bermotor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Berikut adalah contohnya :\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kamu meminjam dana Rp20 juta dengan bunga 10 persen per tahun. Maka, untuk pelunasan dalam setahun, yang harus kamu bayar adalah:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Total bunga: 20.000.000 x 10% x 1 tahun = 2.000.000<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Total pembayaran :\u00a0 20.000.000 + 2.000.000 = 22.000.000<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Angsuran bulanan : 22.000.000 \/ 12 = 1.833.333<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Maka, kamu harus mengangsur sebesar Rp1,8 juta dalam waktu 12 bulan.\u00a0<\/span><\/p>\n<h3><b>2. Efektif<\/b><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-42936 size-full\" src=\"https:\/\/www.olx.co.id\/news\/wp-content\/uploads\/2024\/09\/cara-menghitung-bunga-pinjaman.webp\" alt=\"cara menghitung bunga pinjaman\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.olx.co.id\/news\/wp-content\/uploads\/2024\/09\/cara-menghitung-bunga-pinjaman.webp 800w, https:\/\/www.olx.co.id\/news\/wp-content\/uploads\/2024\/09\/cara-menghitung-bunga-pinjaman-300x200.webp 300w, https:\/\/www.olx.co.id\/news\/wp-content\/uploads\/2024\/09\/cara-menghitung-bunga-pinjaman-768x512.webp 768w, https:\/\/www.olx.co.id\/news\/wp-content\/uploads\/2024\/09\/cara-menghitung-bunga-pinjaman-150x100.webp 150w, https:\/\/www.olx.co.id\/news\/wp-content\/uploads\/2024\/09\/cara-menghitung-bunga-pinjaman-696x464.webp 696w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/ loading=\"lazy\"><\/p>\n<p><span style=\"font-weight: 400;\">Jenis bunga ini adalah berdasarkan sisa pokok dari pinjaman yang berkurang setiap bulan. Hal ini tentunya seiring angsuran yang kamu bayarkan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Berikut adalah contohnya:\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A mengajukan pinjaman sebesar Rp350 Juta. Dari nilai tersebut dikenakan bunga efektif 12 persen dengan pengembalian 3 tahun. Dengan rumus di atas maka:<\/span><\/p>\n<p><b>Angsuran Bulan 1<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Angsuran: Rp350 Juta \/ 36 Bulan = Rp9,72 Juta.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Perhitungan bunga efektif: Rp350 Juta x 12% x (30 Hari\/360 Hari) = Rp3,5 Juta.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Maka, angsuran bunga bulan 1 = Rp9,72 Juta + Rp3,5 Juta = Rp13,22 Juta.<\/span><\/p>\n<p><b>Angsuran Bulan 2<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Karena A sudah membayar angsuran di bulan 1 sebesar Rp9,72 Juta, maka saldo pokok berkurang menjadi Rp340,28 Juta (Rp350 Juta \u2013 Rp9,72 Juta).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sehingga, bunga efektif bulan kedua adalah Rp340,28 Juta x 12% x (30 Hari\/360 Hari) = Rp3,4 Juta.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dari contoh di atas, kamu bisa melihat bunga efektif akan berkurang tiap bulan seiring periode pembayaran di mana jumlah pokok yang harus kamu bayar juga terus berkurang.<\/span><\/p>\n<h3><b>3. Anuitas<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Perbedaan dengan jenis bunga efektif, jumlah cicilan bulanan kamu tidak akan mengalami perubahan hingga lunas. Bunga ini biasanya diterapkan dalam pinjaman durasi jangka panjang. Misalnya KPR. Contohnya adalah sebagai berikut:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pokok dana pinjaman: Rp250 juta<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Durasi: 15 tahun (180 bulan)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Suku Bunga: 10 persen per tahun<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Maka:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Cicilan pokok: 250.000.000 \/ 180 bulan = Rp1.388.888 per bulan.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Bunga: 250.000.000 x 10% \/12 = Rp2.083.333 per bulan.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Maka, total angsuran per bulan: 2.083.333 + 1.388.888 = Rp3.472.221 per bulan .<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Nah, itulah gambaran cara menghitung bunga pinjaman kredit yang benar dan akurat. Kamu bisa memanfaatkan dana pinjaman untuk memulai usaha.\u00a0<\/span><\/p>\n<p><b>Lalu, kemana sebaiknya kamu memasarkan produk atau jasa kamu? Jual aja di OLX! Jutaan orang udah buktiin, jualan di OLX itu cepat dan mudah<span style=\"color: #ffffff;\"><span style=\"font-size: 12px; background-color: #4db2ec;\">.<\/span><\/span><\/b><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.olx.co.id\/\"><span class=\"td_btn td_btn_lg td_outlined_btn\" style=\"color: #ffffff; background-color: #3366ff;\"><strong>KLIK DI SINI<\/strong><\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cara menghitung bunga pinjaman jadi acuan penting agar tidak salah hitung saat memilih jenis pinjaman. Simak caranya berikut! Cara menghitung bunga pinjaman adalah hal penting yang wajib kamu ketahui dalam mengakses layanan pembiayaan dana dari lembaga finansial. Nah, terdapat dua model suku bunga yakni tetap dan mengambang. Bagaimana cara hitungnya? Simak cara menghitung bunga pinjaman [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":42937,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[46,56],"tags":[7979,7981,7983,7982,7980],"class_list":["post-42931","post","type-post","status-publish","format-standard","has-post-thumbnail","category-berita","category-tips-keuangan","tag-bunga","tag-bunga-kredit","tag-cara-menghitung-bunga-kredit","tag-kredit-bunga","tag-suku-bunga"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.5 - aioseo.com -->\n\t<meta name=\"description\" content=\"Cara menghitung bunga pinjaman perlu kamu ketahui agar kamu tidak salah dalam mengelola uang pinjaman tersebut. 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