{"id":3015,"date":"2022-09-28T10:56:24","date_gmt":"2022-09-28T03:56:24","guid":{"rendered":"https:\/\/linebank.co.id\/blog\/?p=3015"},"modified":"2022-09-28T10:56:26","modified_gmt":"2022-09-28T03:56:26","slug":"definisi-simulasi-kredit-cara-menghitungnya","status":"publish","type":"post","link":"https:\/\/linebank.co.id\/blog\/finansial\/definisi-simulasi-kredit-cara-menghitungnya\/","title":{"rendered":"Definisi Simulasi Kredit & Cara Menghitungnya"},"content":{"rendered":"\n

Simulasi kredit, bisa disebut tabel angsuran, adalah perhitungan besaran biaya yang harus dikeluarkan saat mengajukan kredit.<\/strong><\/p>\n\n\n\n

\"Simulasi<\/figure>\n\n\n\n

Baca juga : Catat! Ini Manfaat Menggunakan Kredit Online<\/a><\/strong><\/p>\n\n\n\n

Namun Sobat LINE Bank, apa sih yang dimaksud dengan simulasi kredit? Apa saja jenis-jenisnya? Bagaimana cara hitungnya? Yuk simak artikel berikut!<\/p>\n\n\n\n

Apa itu Simulasi Kredit?<\/h2>\n\n\n\n

Simple nya, <\/b>simulasi kredit adalah kalkulasi biaya yang harus dikeluarkan tiap bulan saat mengajukan p<\/b>injaman ke bank, perusahaan pembiayaan atau lembaga pemberi pinjaman lainnya.<\/strong><\/p>\n\n\n\n

Didalamnya ada skema cicilan termasuk sistem dan proses terkait dengan biaya yang harus dikeluarkan kreditur.<\/p>\n\n\n\n

Kalkukasi atau perhitungan biayanya juga berbeda-beda meski mayoritas menerapkan sistem perhitungan yang nyaris sama. Intinya, dengan simulasi ini, orang yang berhutang bisa mensimulasikan pinjaman dan cicilan yang harus dibayar setiap periode jatuh tempo.<\/p>\n\n\n\n

Macam-macam Jenis simulasi Kredit<\/h3>\n\n\n\n

1. Simulasi kredit umum<\/h4>\n\n\n\n

kredit umum, yang didalamnya memberikan perincian secara umum untuk berbagai jenis kredit.<\/p>\n\n\n\n

Entah itu kredit kepemilikan rumah, kredit otomotif seperti mobil dan motor, kredit di bank untuk individu dan lain sebagainya.<\/p>\n\n\n\n

Untuk hitung simulasinya, ada beberapa item yang harus dilibatkan mulai dari pokok pinjaman, jangka waktu angsuran, bunga per tahun dan lain sebagainya.<\/p>\n\n\n\n

2. Simulasi Kredit Pemilikan Mobil (KPM)<\/h4>\n\n\n\n

Kredit Pemilikan Mobil atau KPM, yang menggambarkan secara umum terkait dengan pengajuan kredit otomotif.<\/p>\n\n\n\n

Untuk menghitungnya, ada beberapa item yang harus dilibatkan mulai dari harga OTR<\/strong>, uang muka (DP), biaya administrasi, jangka waktu angsuran, bunga per tahun dan premi asuransi.<\/p>\n\n\n\n

3. Simulasi KPR<\/h4>\n\n\n\n

Simulasi kredit Pemilikan Rumah. Hanya saja, simulasi KPR ini cukup berbeda dengan yang lain karena ada biaya tambahan yang mungkin dibebankan kepada anda.<\/p>\n\n\n\n

Secara umum, didalam simulasinya harus sertakan harga unit rumah, down payment atau uang muka, biaya admin dan biaya notaris.<\/p>\n\n\n\n

4. Simulasi KTA<\/h4>\n\n\n\n

Mayoritas dalam simulasi KTA ini disertai informasi seperti gaji bersih yang diterima per bulannya, total angsuran, bunga KTA dan lain sebagainya.<\/p>\n\n\n\n

Mayoritas perhitungan untuk bunga KTA itu flat <\/em>dengan cicilan tetap meski bergantung penuh dari kebijakan Bank dimana KTA diajukan.<\/p>\n\n\n\n

Kamu bisa lho cek simulasi KTA Mu disini!<\/a><\/p>\n\n\n\n

5. Simulasi Bunga Tetap [Flat]<\/h4>\n\n\n\n

Simulasi bunga paling mudah dihitung karena biaya cicilan dan bunga yang harus dibayarkan sama. Kecuali jika ada denda keterlambatan bayar.<\/p>\n\n\n\n

Nah itu dia Sobat LINE Bank mengenai lebih dalam mengenai Per-Kredit-an!<\/p>\n\n\n\n

Jika kamu tertarik untuk mengajukan KTA mu, kamu bisa cek disini ya<\/a>! Karena banyak promo menarik menantimu!<\/p>\n\n\n\n

Ada dari Sobat LINE Bank belum punya akun LINE Bank? Yuk daftar sekarang untuk semakin pintar mengatur keuangan.<\/p>\n\n\n\n

Aplikasi LINE BANK bisa diunduh di sini <\/a>bagi yang belum punya Ya!!<\/p>\n","protected":false},"excerpt":{"rendered":"

Simulasi kredit, bisa disebut tabel angsuran, adalah perhitungan besaran biaya yang harus dikeluarkan saat mengajukan kredit. Baca juga : Catat! Ini Manfaat Menggunakan Kredit Online Namun Sobat LINE Bank, apa sih yang dimaksud dengan simulasi kredit? Apa saja jenis-jenisnya? Bagaimana cara hitungnya? Yuk simak artikel berikut! Apa itu Simulasi Kredit? Simple nya, simulasi kredit adalah […]<\/p>\n","protected":false},"author":3,"featured_media":3016,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[12],"tags":[1023,1022,1024],"ppma_author":[838],"class_list":["post-3015","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansial","tag-credit","tag-simulasi-kredit","tag-simulation"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":6}},"yoast_head":"\nDefinisi Simulasi Kredit & Cara Menghitungnya | LINE Bank Blog<\/title>\n<meta name=\"description\" content=\"Sobat LINE Bank, apa sih yang dimaksud dengan simulasi kredit? Apa saja jenis-jenisnya? Bagaimana cara hitungnya? 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