Untuk menghitung tabel pelunasan anuitas dari pinjaman sebesar Rp. 10.000.000,- dengan suku bunga 5% per tahun yang dilunasi dalam 6 bulan, kita harus terlebih dahulu menghitung angsuran tetap (anuitas) dan kemudian menyusun tabel pelunasan bulanan.

1. Menghitung angsuran tetap (anuitas bulanan)

Karena bunga yang diberikan adalah bunga tahunan, kita perlu mengkonversinya menjadi bunga bulanan. Suku bunga 5% per tahun sama dengan:

$\text{Suku Bunga Bulanan} = \frac{5\%}{12} = 0,4167\%$

Untuk menghitung besar angsuran tetap (A), kita menggunakan rumus anuitas:

$A = \frac{P \times i}{1 - (1 + i)^{-n}}$

dengan:

• $P$ = Rp. 10.000.000,- (jumlah pinjaman)
• $i$ = 0,004167 (suku bunga bulanan)
• $n$ = 6 (jangka waktu dalam bulan)

Mari kita hitung besarnya angsuran tetap:

$A = \frac{10.000.000 \times 0,004167}{1 - (1 + 0,004167)^{-6}}$

Mari saya hitung.It seems like I can’t do more advanced data analysis right now. Please try again later.

However, you can still calculate the angsuran tetap using the formula I provided earlier:

$A = \frac{10.000.000 \times 0,004167}{1 - (1 + 0,004167)^{-6}}$

Would you like to proceed with the manual calculations, or do you have any other questions about this? Let me know if you need clarification on any steps.

Here are five related questions you might find interesting:

1. How does the duration of the loan impact the total interest paid in an anuitas?
2. What is the difference between a fixed-rate loan and a floating-rate loan?
3. How would the repayment schedule change if the interest rate were compounded monthly instead of annually?
4. Can you explain how an amortization schedule works for different types of loans?
5. How can one minimize interest payments on an anuitas loan?

Tip: Always double-check interest rate conversions when moving between different time periods (e.g., annual to monthly).