Kalkulator KPR (Kredit Pemilikan Rumah)
KeuanganHitung perkiraan angsuran bulanan KPR, total bunga pinjaman, dan estimasi biaya pembelian rumah.
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Mortgage Calculator Report
Calculate your monthly mortgage payment including principal and interest.
Input Parameters
| Parameter | Value |
|---|---|
| Home Price | 400000 |
| Down Payment | 80000 |
| Interest Rate | 6.5 |
| Loan Term | 30 |
Calculated Results
| Metric | Computed Value |
|---|---|
| Cicilan Bulanan | $2,022.62 |
| Plafon Pinjaman | $320,000.00 |
| Total Bunga | $408,142.36 |
| Total Pengembalian | $728,142.36 |
Formula
Monthly PITI = [P * (r * (1 + r)^n) / ((1 + r)^n - 1)] + (T / 12) + (I / 12) + HOAComputes the monthly payment by adding the amortized Principal & Interest (P&I) to monthly allocations of Property Tax, Home Insurance, and HOA dues.
Calculation Steps
1. Principal Loan Amount (P)
$320,000The amount you borrow from the lender after subtracting your upfront down payment.
2. Monthly Interest Rate (r)
0.005417Periodic monthly rate used in the compounding amortization formulas.
3. Monthly Principal & Interest (P&I)
$2,023/moThe amortized portion of your payment that covers loan balance payoff and lender interest.
4. Monthly Escrows (Taxes & Insurance)
$500/moTaxes and insurance premiums pro-rated to monthly increments for escrow purposes.
5. Total Monthly Payment (PITI)
$2,673/moYour complete monthly out-of-pocket housing cost.
Calculations are provided for educational purposes and should be independently verified for financial, investment, or medical decisions.
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Input Parameters
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Calculation Breakdown
Mortgage What-If Scenarios
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Formula Transparency
Monthly Mortgage Payment (PITI)
Computes the monthly payment by adding the amortized Principal & Interest (P&I) to monthly allocations of Property Tax, Home Insurance, and HOA dues.
Variable Definitions & Glossary
Home Purchase Price minus Down Payment amount.
Annual interest rate divided by 12 (number of months in a year).
Loan amortization term in years multiplied by 12.
Annual tax imposed by municipality, typically calculated as a percentage of home value.
Annual hazard/hazard premium premium paid to protect the asset.
Monthly fees assessed by the homeowners association, if applicable.
Step-by-step educational solution
Principal Loan Amount (P)
$320,000The amount you borrow from the lender after subtracting your upfront down payment.
Monthly Interest Rate (r)
0.005417Periodic monthly rate used in the compounding amortization formulas.
Monthly Principal & Interest (P&I)
$2,023/moThe amortized portion of your payment that covers loan balance payoff and lender interest.
Monthly Escrows (Taxes & Insurance)
$500/moTaxes and insurance premiums pro-rated to monthly increments for escrow purposes.
Total Monthly Payment (PITI)
$2,673/moYour complete monthly out-of-pocket housing cost.
How to Think About This Calculation
Understand the true cost of homeownership with a complete breakdown of principal, interest, taxes, and insurance.
Core methodology
- 1.First, determine the principal loan amount by subtracting the down payment from the property purchase price.
- 2.Calculate the base monthly Principal and Interest payment using standard compounding amortization math.
- 3.Pro-rate annual property taxes and homeowners insurance premiums to add a monthly escrow allocation.
- 4.Incorporate HOA fees to calculate the absolute monthly shelter expense.
Professional tips
- Aim for a 20% down payment to automatically waive Private Mortgage Insurance (PMI) charges.
- Your total monthly housing expenses (PITI) should ideally remain below 28% of your gross monthly household income (the 28/36 rule).
Common pitfalls
- Forgetting to factor in property tax assessments, which can change when a home is sold.
- Overlooking ongoing homeowners association (HOA) dues and seasonal maintenance costs.
Perhitungan ini menggunakan model anuitas bunga tetap. Biaya notaris, provisi, BPHTB, dan asuransi dapat berbeda tergantung bank dan peraturan daerah.
Common Questions about Mortgage
Berapa persen DP rumah yang ideal?
Bagaimana cara kerja cicilan KPR sistem anuitas?
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