Merk TOYOTA
TYPE Innova Bensin Grand New G Lux A/T Untuk MRP belum di updated yang terbaru 7
TAHUN 2014
OTR MRP 223,300,000
Rate (Eff) 23.50% Pengisian Di Aplikasi Untuk Struktur Kredit TABEL K
Asuransi
No Pembayaran Asuransi
OTR 111,000,000 Rate Nominal
DP Nett 68.570% 76,112,700 Asuransi Tunai All Tenor 0.9435% 1,047,285 NOTE : KET
Rate 13.14625% 9,172,741 Asuransi Tunai Thn 1 sisa dikredit 0.0000% 0.00 No 1 adalah untuk Asuransi Kendaraan / Asuransi 1 TENOR
1
PINJAMAN 27.04% 30,009,592 Asuransi thn berikutnya dikredit 0.0000% 0.00 No 2 adalah untuk Asuransi 2, asuransi PA / CP / Non PA-CP EFF
Pokok Hutang Murni 31.43% 34,887,300 Asuransi Kredit All Tenor 0.0000% 0.00 ADDM
Asuransi dikredit 0.0000% 0 Asuransi PA Tunai All Tenor 0.1050% 116,550 ADDB
Total Pokok Hutang 31.43% 34,887,300 Asuransi PA Tunai Thn 1 sisa dikredit 0.0000% 0.00
2
GRADE D Asuransi PA thn berikutnya dikredit 0.0000% 0.00 ###
Admin 3,250,000 Asuransi PA Kredit All Tenor 0.0000% 0.00 -
Fiducia 115,000 TOTAL 1.0485% 1,163,835 58,192
Asuransi Tunai Thn 1 0.5625% - LTV 31%
Asuransi Total 1.0485% 1,163,835.00 TENOR Zona 1 Zona 2 Zona 3 Rate PA Rate PA Rate CP
Provisi 1.00% 348,873.00 12 0.5225% 0.7025% 0.5625% 0.0525% 0.0525% 0.7000% 0.4125% 0.703% 0.343%
Angsuran 24 1,836,000 24 0.9745% 1.3075% 1.0485% 0.1050% 0.1050% 1.2000% 0.7710% 1.307% 0.642%
Total DP Bayar 80,990,408.00 36 1.3795% 1.8475% 1.4835% 0.1575% 0.1575% 1.3700% 1.0935% 1.848% 0.912%
44,064,000 48 1.7610% 2.3550% 1.8930% 0.2100% 0.2100% 1.6900% 1.3980% 2.355% 1.181%
Pembayaran Angsuran ADDB 60 2.1190% 2.8300% 2.2770% 0.2625% 0.2625% 2.1200% 1.6845% 2.830% 1.435%
Paket Asuransi PAKET01
Pilihan ZONA Zona 3 Di Isi Warna Kuning
Pembayaran Asuransi Tunai All Tenor
Asuransi Perluasan Dengan PA REFUND PIC POOL BLUE BIRD TAC 15% (POJK)
Jenis Kendaraan Passenger Pribadi 10% 116,384 PENDAPATAN 13,062,572.72
21.5% 30,000,000 326,000 1.00% 561,374 15% 1,959,385.91
Paremeter
"" TOTAL 677,757.71 0% -
Rp % 2,127,757.71
LR 7,661,000 23.50 = LR Efektif yang di jual KOMISI UNTUK MITRA REGULER
TAC 1 1,750,000 5.37 = Total TAC untuk Mitra MUF (Pihak ke 3) TENOR
PH (Juta)
TAC 2 0 0.00 = Biaya Cadangan Promosi (Cadprom) 1 2 3 4 5
TAC 3 0 0.00 = Insentif BMRI 35 65 700 1,250 1,600 1,900 2,200 700
TAC 4 0 0.00 = Insentif Internal MUF 66 105 1,300 2,250 2,700 3,500 4,200 1,300
Admin 1 3,250,000 9.97 = Biaya Admin tdk termasuk FIDUCIA 106 155 1,900 3,400 4,450 5,350 6,200 1,900
Admin 2 290,959 0.89 = Pendapatan Asuransi (refund Asuransi 25% premi) 156 205 2,600 4,900 6,500 7,900 9,400 2,600
Provisi 348,873 1.07 = Provisi 0,5% dari PH 206 255 3,300 6,300 8,300 10,100 11,800 3,300
COC 652,000 2.00 = Pencadangan Loss (2%) 256 305 3,700 7,250 9,800 11,900 14,000 3,700
OPEX 3,420,000 10.49 = Opex Car (Sesuai Tenor) 306 355 4,600 9,000 12,150 14,800 17,400 4,600
COF 3,260,000 10.00 = Belanja Modal (Multiguna 9,25% / CtoC 11,75%) > 355 5,300 10,400 13,950 17,050 20,000 5,300
PBT 2,468,832 7.57 -
PAT 1,851,624 5.68 Di Isi Warna Kuning Opex CAR -
77,151 Tenor 12 24 36 48 60 -
OPEX Acq 2,700,000 2,700,000 2,700,000 2,700,000 2,700,000 -
LTV 31% OPEX Maint 30,000 30,000 30,000 30,000 30,000 -
Total OPEX 3,060,000 3,420,000 3,780,000 4,140,000 4,500,000 -
5,300
Jenis kendaraan berdasarkan asuransi Objejt Purpose
Passenger Pribadi Pribadi, Operasional,
Passenger usaha/komersil Usaha
Komersil Pribadi Pribadi, Operasional,
Komersil usaha/komersil usaha
Bus Pribadi
Bus Usaha/komersil
Passenger Pribadi
Dengan CP Passenger Usaha
Dengan PA Truck/Pick Up Usaha
Tanpa CP/PA Truck/Pick Up Pribadi
JENIS PAKET RINCIAN PAKET Bus Pribadi
TABEL KONVERSI RATE
PAKET01 5 TH - TLO Bus Usaha
PAKET02 5 TH - COMPRE
FLAT PAKET03 1 TH - COMPRE + 1 TH - TLO
1 2 3 4 5 PAKET04 1 TH - COMPRE + 2 TH - TLO Tunai All Tenor
23.50% 23.50% 23.50% 23.50% 23.50% PAKET05 2 TH - COMPRE + 2 TH - TLO Tunai Thn 1 sisa dikredit
11.00745% 11.93338% 12.53341% 13.04617% 13.51779% PAKET06 4 TH - COMPRE + 1 TH - TLO Kredit All Tenor
13.18135% 13.14625% 13.43163% 13.79124% 14.17418% PAKET07 2 TH - COMPRE + 3 TH - TLO
PAKET08 2 TH - COMPRE + 1 TH - TLO
Zona 1 PAKET09 3 TH - COMPRE + 1 TH - TLO
Zona 2 ADDM PAKET10 1 TH - COMPRE + 3 TH - TLO
Zona 3 ADDB PAKET11 3 TH - COMPRE + 2 TH - TLO
PAKET12 1 TH - COMPRE + 4 TH - TLO
Tenor ADDM ADDB
12 11.007% 13.18%
24 11.933% 13.15%
36 12.533% 13.43%
48 13.046% 13.79%
60 13.518% 14.17%
?. ; ; ;
1,6
15
2015 DAIHATSU AGYA-E 1.0 AT
2014 DATSUN AGYA-E 1.0 MT
2013 ISUZU AGYA-G 1.0 MT
2012 MAZDA AGYA-S 1.0 AT
2011 MITSUBISHI AGYA-S 1.0 MT
2010 NISSAN Avanza E 1.3 M/T
2009 SUZUKI Avanza G 1.3 M/T
2008 TOYOTA Avanza G 1.3 A/T
2007 HONDA Avanza S 1.5 M/T
2006 Avanza S 1.5 A/T
2005 Avanza E 1.3 VVTi M/T
Avanza E 1.3 VVTi A/T
Avanza G 1.3 VVTi M/T
Avanza G 1.3 VVTi A/T
Avanza S 1.5 VVTi M/T
Avanza S 1.5 VVTi A/T
Avanza All New E 1.3 M/T
Avanza All New E 1.3 A/T
Avanza All New G 1.3 M/T
Avanza All New G 1.3 A/T
Avanza All New G 1.5 M/T TAC 5% -
Avanza All New Veloz M/T Matprom 150,000
Avanza All New Veloz A/T Entert 75,000
Avanza All New Veloz Lux M/T Trip 250,000
Avanza All New Veloz Lux A/T Reward 25,000
TOTAL
500,000
Camry 2.4 M/T
Camry 2.4 A/T
Camry 3.0 A/T
Camry New 2.4 G A/T
Camry New 2.4 V A/T
Camry New 3.5 Q A/T
Camry All New 2.5 G A/T
Camry All New 2.5 V A/T
Camry All New 2.5 Hybrid
Corolla All New 1.8 XLi M/T
Corolla All New 1.8 SEG M/T
Corolla All New 1.8 SEG A/T
Corolla Altis J M/T
Corolla Altis G M/T
Corolla Altis G VVTi M/T
Corolla Altis G A/T
Corolla Altis G VVTi A/T
Corolla New Altis J M/T
Corolla New Altis G M/T
Corolla New Altis G A/T
Corolla New Altis V A/T
Corolla New Altis V 2.0 A/T
ETIOS-VALCO J 1.2 MT
ETIOS-VALCO E 1.2 MT
ETIOS-VALCO G 1.2 MT
ETIOS-VALCO JX M/T
Fortuner 2.7 G 4x2
Fortuner 2.7 G Lux 4x2
Fortuner 2.7 G TRD 4x2
Fortuner 2.7 V 4x4
Fortuner 2.5 G Diesel A/T
Fortuner 2.5 G Diesel M/T
Fortuner 2.5 G TRD Diesel A/T
Fortuner 2.5 G TRD Diesel M/T
Innova Bensin J M/T
Innova Bensin E M/T
Innova Bensin E A/T
Innova Bensin G M/T
Innova Bensin G A/T
Innova Bensin V M/T
Innova Bensin V A/T
Innova Bensin V Luxury A/T
Innova Bensin Grand New J M/T
Innova Bensin Grand New E M/T
Innova Bensin Grand New E A/T
Innova Bensin Grand New G M/T
Innova Bensin Grand New G A/T
Innova Bensin Grand New V M/T
Innova Bensin Grand New V A/T
Innova Bensin Grand New V Lux A/T
Innova Bensin Grand New V Lux M/T
Innova Bensin Grand New G Lux A/T
Innova Bensin Grand New G Lux M/T
Innova Diesel E M/T
Innova Diesel G M/T
Innova Diesel G A/T
Innova Diesel V M/T
Innova Diesel V A/T
Innova Diesel GRAND NEW E M/T
Innova Diesel GRAND NEW G M/T
Innova Diesel GRAND NEW G A/T
Innova Diesel GRAND NEW V M/T
Innova Diesel GRAND NEW V A/T
Kijang Bensin 1.8 SX
Kijang Bensin 1.8 SSX EFI
Kijang Bensin 1.8 SGX EFI
Kijang Bensin 1.8 LX
Kijang Bensin 1.8 LSX EFI
Kijang Bensin 1.8 LGX EFI M/T
Kijang Bensin 1.8 LGX EFI A/T
Kijang Bensin 1.8 Krista EFI
Kijang Bensin 2.0 LGX EFI M/T
Kijang Bensin 2.0 LGX EFI A/T
Kijang Bensin 2.0 Krista EFI M/T
Kijang Bensin 2.0 Krista EFI A/T
Kijang Diesel LX-D
Kijang Diesel LSX-D
Kijang Diesel LGX-D
Kijang Diesel Krista-D
Rush G M/T
Rush G A/T
Rush G M/T Luxury
Rush G A/T Luxury
Rush S M/T
Rush S A/T
Rush TRD Sportivo M/T
Rush TRD Sportivo A/T
Soluna 1.5 XLi
Soluna 1.5 GLi M/T
Soluna 1.5 GLi M/T (facelift)
Soluna 1.5 GLi A/T
Soluna 1.5 GLi A/T (facelift)
Vios E M/T
Vios G M/T
Vios G A/T
Vios New E A/T
Vios New E M/T
Vios New G M/T
Vios New G A/T
Vios New TRD A/T
Vios All New E A/T
Vios All New E M/T
Vios All New G A/T
Vios All New G M/T
Vios All New TRD A/T
Yaris E M/T
Yaris E A/T
Yaris S M/T
Yaris S A/T
Yaris J M/T
Yaris J A/T
Yaris TRD Sportivo M/T
Yaris TRD Sportivo A/T
All New Yaris J M/T
All new Yaris J A/T
All New Yaris E M/T
All New Yaris E A/T
All New Yaris G M/T
All New Yaris G A/T
All New Yaris TRD Sportivo M/T
All New Yaris TRD Sportivo A/T
PH MURNI x % refund bunga x tenor
REFUND BUNGA = REFUND =
1 + (% Bunga Jual/thn x tenor)
Pokok Hutang : 75,000,000 Di isi
Refund Bunga : 1.00% Di isi Pokok Hutang :
Bunga Jual/thn : 10.00% Di isi Rate Sell :
Tenor 3 Di isi Net Rate :
Tenor :
REFUND BUNGA = 1,730,769
Refund Bunga =
Pokok Hutang x refund rate x tenor
REFUND BUNGA =
1 + ((rate sell - refund rate) x tenor) Ada 2 pilihan 1. Pajak Komisi
2. Pajak komisi
Pokok Hutang : 75,000,000
Rate Sell : 10.0% Contoh 1 Komisi sebesar
Refund Rate : 1.0% 1,718,504
Tenor : 3 Contoh 2 Komisi sebesar
1,826,447
Refund Bunga 1,771,654
Rate Sell x Tenor
PH x + 1
100
- Pokok Hutang
Net Rate x Tenor
+ 1
100
75,000,000
10.00 ref rate
9.00 1.00
3
1,771,654
1. Pajak Komisi di tanggung oleh Mitra MUF (mengurangi komisi)
2. Pajak komisi di tanggung oleh MUF (komisi yang di terima adalah nett)
Komisi sebesar Rp xxx dikali 97% (jika pajak komisi di gradasi 3%)
1,718,504
Komisi sebesar Rp xxx di bagi 97, lalu di x 100 (jika pajak komisi di gradasi 3%)
1,826,447
RATE CAR
Eff 13% Eff 14% Eff 15% Eff 16% Eff 17%
TENOR
ADDM ADDB ADDM ADDB ADDM ADDB ADDM ADDB ADDM ADDB
1 Tahun 6.03% 7.18% 6.50% 7.74% 6.97% 8.31% 7.44% 8.88% 7.92% 9.45%
2 Tahun 6.44% 7.05% 6.95% 7.62% 7.47% 8.18% 7.98% 8.76% 8.50% 9.33%
3 Tahun 6.67% 7.10% 7.21% 7.68% 7.75% 8.27% 8.30% 8.86% 8.85% 9.45%
4 Tahun 6.85% 7.19% 7.41% 7.79% 7.98% 8.40% 8.56% 9.01% 9.14% 9.63%
5 Tahun 7.01% 7.30% 7.60% 7.92% 8.20% 8.55% 8.80% 9.18% 9.41% 9.82%
RATE MCY
Eff 25% Eff 26% Eff 27% Eff 28% Eff 29%
TENOR
ADDM ADDB ADDM ADDB ADDM ADDB ADDM ADDB ADDM ADDB
1 Tahun 11.73% 14.05%
2 Tahun 12.74% 14.05%
3 Tahun 13.40% 14.38%
4 Tahun 13.98% 14.79%
5 Tahun 14.50% 15.22%
Eff 18% Eff 19% Eff 20% KONVERSI / BULAN
ADDM ADDB ADDM ADDB ADDM ADDB 14% 15% 16% 17%
8.39% 10.02% 8.86% 10.59% 9.34% 11.16% 0.54% 0.58% 0.62% 0.66%
9.02% 9.91% 9.55% 10.49% 10.07% 11.07% 0.58% 0.62% 0.67% 0.71%
9.41% 10.05% 9.97% 10.65% 10.53% 11.26% 0.60% 0.65% 0.69% 0.74%
9.73% 10.25% 10.32% 10.88% 10.92% 11.52% 0.62% 0.67% 0.71% 0.76%
10.02% 10.47% 10.64% 11.13% 11.27% 11.79% 0.63% 0.68% 0.73% 0.78%
Eff 2% Eff 25% Eff 33% KONVERSI / BULAN
ADDM ADDB ADDM ADDB ADDM ADDB 25% 33%
15.58% 18.76% 1.17% 1.56%
17.12% 18.96% 1.17% 1.58%
18.18% 19.60% 1.20% 1.63%
19.11% 20.33% 1.23% 1.69%
19.96% 21.06% 1.27% 1.76%
