Simulasi Pinjaman - Kalkulator Bunga Flat & Anuitas<\/title>\r\n <style>\r\n body {\r\n font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;\r\n line-height: 1.6;\r\n color: #333;\r\n max-width: 1000px;\r\n margin: 0 auto;\r\n padding: 20px;\r\n background-color: #f5f7fa;\r\n }\r\n \r\n header {\r\n text-align: center;\r\n margin-bottom: 30px;\r\n padding: 20px;\r\n background-color: #000080;\r\n color: white;\r\n border-radius: 8px;\r\n }\r\n \r\n h1 {\r\n margin: 0;\r\n font-size: 28px;\r\n }\r\n \r\n .container {\r\n display: flex;\r\n flex-wrap: wrap;\r\n gap: 20px;\r\n }\r\n \r\n .input-section {\r\n flex: 1;\r\n min-width: 300px;\r\n background: white;\r\n padding: 20px;\r\n border-radius: 8px;\r\n box-shadow: 0 2px 10px rgba(0,0,0,0.1);\r\n }\r\n \r\n .result-section {\r\n flex: 2;\r\n min-width: 300px;\r\n background: white;\r\n padding: 20px;\r\n border-radius: 8px;\r\n box-shadow: 0 2px 10px rgba(0,0,0,0.1);\r\n }\r\n \r\n .form-group {\r\n margin-bottom: 15px;\r\n }\r\n \r\n label {\r\n display: block;\r\n margin-bottom: 5px;\r\n font-weight: 600;\r\n }\r\n \r\n input, select {\r\n width: 100%;\r\n padding: 10px;\r\n border: 1px solid #ddd;\r\n border-radius: 4px;\r\n font-size: 16px;\r\n }\r\n \r\n button {\r\n background-color: #3498db;\r\n color: white;\r\n border: none;\r\n padding: 12px 20px;\r\n border-radius: 4px;\r\n cursor: pointer;\r\n font-size: 16px;\r\n width: 100%;\r\n transition: background-color 0.3s;\r\n }\r\n \r\n button:hover {\r\n background-color: #2980b9;\r\n }\r\n \r\n .summary {\r\n display: flex;\r\n justify-content: space-between;\r\n margin-bottom: 20px;\r\n flex-wrap: wrap;\r\n gap: 10px;\r\n }\r\n \r\n .summary-box {\r\n flex: 1;\r\n min-width: 200px;\r\n background: #f8f9fa;\r\n padding: 15px;\r\n border-radius: 8px;\r\n text-align: center;\r\n }\r\n \r\n .summary-box h3 {\r\n margin-top: 0;\r\n color: #2c3e50;\r\n }\r\n \r\n .summary-value {\r\n font-size: 24px;\r\n font-weight: bold;\r\n color: #3498db;\r\n }\r\n \r\n table {\r\n width: 100%;\r\n border-collapse: collapse;\r\n margin-top: 20px;\r\n }\r\n \r\n th, td {\r\n padding: 12px;\r\n text-align: left;\r\n border-bottom: 1px solid #ddd;\r\n }\r\n \r\n th {\r\n background-color: #2c3e50;\r\n color: white;\r\n }\r\n \r\n tr:nth-child(even) {\r\n background-color: #f2f2f2;\r\n }\r\n \r\n .tabs {\r\n display: flex;\r\n margin-bottom: 20px;\r\n }\r\n \r\n .tab {\r\n padding: 10px 20px;\r\n cursor: pointer;\r\n background-color: #ecf0f1;\r\n border: none;\r\n flex: 1;\r\n text-align: center;\r\n }\r\n \r\n .tab.active {\r\n background-color: #3498db;\r\n color: white;\r\n }\r\n \r\n .tab-content {\r\n display: none;\r\n }\r\n \r\n .tab-content.active {\r\n display: block;\r\n }\r\n \r\n @media (max-width: 768px) {\r\n .container {\r\n flex-direction: column;\r\n }\r\n }\r\n <\/style>\r\n<\/head>\r\n<body>\r\n <header>\r\n <h1>Simulasi Pinjaman Bank Rifi<\/h1>\r\n <p>Hitung angsuran pinjaman Anda<\/p>\r\n <\/header>\r\n \r\n <div class=\"container\">\r\n <div class=\"input-section\">\r\n <div class=\"form-group\">\r\n <label for=\"loanAmount\">Jumlah Pinjaman (Rp)<\/label>\r\n <input type=\"number\" id=\"loanAmount\" value=\"0\" min=\"100000\" step=\"100000\">\r\n <\/div>\r\n \r\n <div class=\"form-group\">\r\n <label for=\"interestRate\">Suku Bunga (% per tahun)<\/label>\r\n <input type=\"number\" id=\"interestRate\" value=\"0\" min=\"1\" max=\"50\" step=\"0.1\">\r\n <\/div>\r\n \r\n <div class=\"form-group\">\r\n <label for=\"loanTerm\">Jangka Waktu (bulan)<\/label>\r\n <input type=\"number\" id=\"loanTerm\" value=\"0\" min=\"1\" max=\"360\">\r\n <\/div>\r\n \r\n <div class=\"form-group\">\r\n <label for=\"gracePeriod\">Grace Period (bulan)<\/label>\r\n <input type=\"number\" id=\"gracePeriod\" value=\"0\" min=\"0\" max=\"12\">\r\n <\/div>\r\n \r\n <div class=\"form-group\">\r\n <label for=\"calculationMethod\">Metode Perhitungan<\/label>\r\n <select id=\"calculationMethod\">\r\n <option value=\"flat\">Bunga Flat<\/option>\r\n <option value=\"anuitas\">Anuitas<\/option>\r\n <\/select>\r\n <\/div>\r\n \r\n <button onclick=\"calculateLoan()\">Hitung Simulasi Pinjaman<\/button>\r\n <\/div>\r\n \r\n <div class=\"result-section\">\r\n <h2>Hasil Simulasi<\/h2>\r\n \r\n <div class=\"summary\">\r\n <div class=\"summary-box\">\r\n <h3>Total Pinjaman<\/h3>\r\n <div class=\"summary-value\" id=\"totalLoan\">Rp 0<\/div>\r\n <\/div>\r\n <div class=\"summary-box\">\r\n <h3>Bunga Total<\/h3>\r\n <div class=\"summary-value\" id=\"totalInterest\">Rp 0<\/div>\r\n <\/div>\r\n <div class=\"summary-box\">\r\n <h3>Total Pembayaran<\/h3>\r\n <div class=\"summary-value\" id=\"totalPayment\">Rp 0<\/div>\r\n <\/div>\r\n <div class=\"summary-box\">\r\n <h3>Angsuran per Bulan<\/h3>\r\n <div class=\"summary-value\" id=\"monthlyPayment\">Rp 0<\/div>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"tabs\">\r\n <button class=\"tab active\" onclick=\"openTab('summaryTab')\">Ringkasan<\/button>\r\n <button class=\"tab\" onclick=\"openTab('scheduleTab')\">Tabel Angsuran<\/button>\r\n <\/div>\r\n \r\n <div id=\"summaryTab\" class=\"tab-content active\">\r\n <h3>Detail Pinjaman<\/h3>\r\n <p><strong>Metode Perhitungan:<\/strong> <span id=\"methodSummary\">-<\/span><\/p>\r\n <p><strong>Jumlah Pinjaman:<\/strong> <span id=\"amountSummary\">Rp 0<\/span><\/p>\r\n <p><strong>Suku Bunga:<\/strong> <span id=\"rateSummary\">0%<\/span> per tahun<\/p>\r\n <p><strong>Jangka Waktu:<\/strong> <span id=\"termSummary\">0<\/span> bulan<\/p>\r\n <p><strong>Grace Period:<\/strong> <span id=\"graceSummary\">0<\/span> bulan<\/p>\r\n <p><strong>Tanggal Mulai:<\/strong> <span id=\"startDate\">-<\/span><\/p>\r\n <p><strong>Tanggal Selesai:<\/strong> <span id=\"endDate\">-<\/span><\/p>\r\n \r\n <div id=\"gracePeriodInfo\" style=\"margin-top: 20px; padding: 15px; background-color: #fff8e1; border-radius: 5px;\">\r\n <h4>Informasi Grace Period<\/h4>\r\n <p>Selama masa tenggang (grace period), Anda hanya membayar bunga saja tanpa mengurangi pokok pinjaman.<\/p>\r\n <\/div>\r\n <\/div>\r\n \r\n <div id=\"scheduleTab\" class=\"tab-content\">\r\n <h3>Tabel Angsuran Pinjaman<\/h3>\r\n <div style=\"overflow-x: auto;\">\r\n <table id=\"paymentSchedule\">\r\n <thead>\r\n <tr>\r\n <th>Bulan ke-<\/th>\r\n <th>Tanggal<\/th>\r\n <th>Angsuran Pokok<\/th>\r\n <th>Angsuran Bunga<\/th>\r\n <th>Total Angsuran<\/th>\r\n <th>Sisa Pokok<\/th>\r\n <\/tr>\r\n <\/thead>\r\n <tbody id=\"scheduleBody\">\r\n \r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n \r\n <script>\r\n \/\/ Fungsi untuk menghitung pinjaman\r\n function calculateLoan() {\r\n \/\/ Ambil nilai input\r\n const loanAmount = parseFloat(document.getElementById('loanAmount').value);\r\n const interestRate = parseFloat(document.getElementById('interestRate').value) \/ 100;\r\n const loanTerm = parseInt(document.getElementById('loanTerm').value);\r\n const gracePeriod = parseInt(document.getElementById('gracePeriod').value);\r\n const calculationMethod = document.getElementById('calculationMethod').value;\r\n \r\n \/\/ Hitung berdasarkan metode yang dipilih\r\n if (calculationMethod === 'flat') {\r\n calculateFlat(loanAmount, interestRate, loanTerm, gracePeriod);\r\n } else {\r\n calculateAnnuity(loanAmount, interestRate, loanTerm, gracePeriod);\r\n }\r\n \r\n \/\/ Update ringkasan\r\n updateSummary(loanAmount, interestRate, loanTerm, gracePeriod, calculationMethod);\r\n \r\n \/\/ Buka tab ringkasan\r\n openTab('summaryTab');\r\n }\r\n \r\n \/\/ Fungsi untuk menghitung bunga flat\r\n function calculateFlat(loanAmount, annualInterestRate, loanTerm, gracePeriod) {\r\n const monthlyInterestRate = annualInterestRate \/ 12;\r\n const totalInterest = loanAmount * monthlyInterestRate * loanTerm;\r\n const totalPayment = loanAmount + totalInterest;\r\n \r\n \/\/ Hitung angsuran per bulan (setelah grace period)\r\n let monthlyPayment = 0;\r\n if (loanTerm > gracePeriod) {\r\n monthlyPayment = (loanAmount + totalInterest) \/ (loanTerm - gracePeriod);\r\n }\r\n \r\n \/\/ Update summary values\r\n document.getElementById('totalLoan').textContent = formatCurrency(loanAmount);\r\n document.getElementById('totalInterest').textContent = formatCurrency(totalInterest);\r\n document.getElementById('totalPayment').textContent = formatCurrency(totalPayment);\r\n document.getElementById('monthlyPayment').textContent = gracePeriod >= loanTerm ? 'Rp 0' : formatCurrency(monthlyPayment);\r\n \r\n \/\/ Generate payment schedule\r\n generateFlatSchedule(loanAmount, annualInterestRate, loanTerm, gracePeriod);\r\n }\r\n \r\n \/\/ Fungsi untuk menghitung anuitas\r\n function calculateAnnuity(loanAmount, annualInterestRate, loanTerm, gracePeriod) {\r\n const monthlyInterestRate = annualInterestRate \/ 12;\r\n let remainingTerm = loanTerm - gracePeriod;\r\n \r\n \/\/ Hitung angsuran per bulan (setelah grace period)\r\n let monthlyPayment = 0;\r\n if (remainingTerm > 0) {\r\n const discountFactor = (Math.pow(1 + monthlyInterestRate, remainingTerm) - 1) \/ \r\n (monthlyInterestRate * Math.pow(1 + monthlyInterestRate, remainingTerm));\r\n monthlyPayment = loanAmount \/ discountFactor;\r\n }\r\n \r\n \/\/ Hitung total bunga\r\n let totalInterest = 0;\r\n if (gracePeriod > 0) {\r\n totalInterest += loanAmount * monthlyInterestRate * gracePeriod;\r\n }\r\n \r\n \/\/ Hitung total pembayaran\r\n let totalPayment = loanAmount + totalInterest;\r\n if (remainingTerm > 0) {\r\n totalPayment = monthlyPayment * remainingTerm + (gracePeriod > 0 ? loanAmount * monthlyInterestRate * gracePeriod : 0);\r\n totalInterest = totalPayment - loanAmount;\r\n }\r\n \r\n \/\/ Update summary values\r\n document.getElementById('totalLoan').textContent = formatCurrency(loanAmount);\r\n document.getElementById('totalInterest').textContent = formatCurrency(totalInterest);\r\n document.getElementById('totalPayment').textContent = formatCurrency(totalPayment);\r\n document.getElementById('monthlyPayment').textContent = remainingTerm <= 0 ? 'Rp 0' : formatCurrency(monthlyPayment);\r\n \r\n \/\/ Generate payment schedule\r\n generateAnnuitySchedule(loanAmount, annualInterestRate, loanTerm, gracePeriod);\r\n }\r\n \r\n \/\/ Fungsi untuk menghasilkan tabel angsuran bunga flat\r\n function generateFlatSchedule(loanAmount, annualInterestRate, loanTerm, gracePeriod) {\r\n const monthlyInterestRate = annualInterestRate \/ 12;\r\n const monthlyInterest = loanAmount * monthlyInterestRate;\r\n const monthlyPrincipal = (loanTerm > gracePeriod) ? loanAmount \/ (loanTerm - gracePeriod) : 0;\r\n const scheduleBody = document.getElementById('scheduleBody');\r\n scheduleBody.innerHTML = '';\r\n \r\n let remainingPrincipal = loanAmount;\r\n const today = new Date();\r\n \r\n for (let i = 1; i <= loanTerm; i++) {\r\n const row = document.createElement('tr');\r\n const paymentDate = new Date(today);\r\n paymentDate.setMonth(paymentDate.getMonth() + i);\r\n \r\n let principalPayment = 0;\r\n let interestPayment = monthlyInterest;\r\n let totalPayment = interestPayment;\r\n \r\n if (i > gracePeriod) {\r\n principalPayment = monthlyPrincipal;\r\n totalPayment = principalPayment + interestPayment;\r\n }\r\n \r\n remainingPrincipal -= principalPayment;\r\n if (remainingPrincipal < 0) remainingPrincipal = 0;\r\n \r\n row.innerHTML = `\r\n <td>${i}<\/td>\r\n <td>${formatDate(paymentDate)}<\/td>\r\n <td>${formatCurrency(principalPayment)}<\/td>\r\n <td>${formatCurrency(interestPayment)}<\/td>\r\n <td>${formatCurrency(totalPayment)}<\/td>\r\n <td>${formatCurrency(remainingPrincipal)}<\/td>\r\n `;\r\n \r\n scheduleBody.appendChild(row);\r\n }\r\n }\r\n \r\n \/\/ Fungsi untuk menghasilkan tabel angsuran anuitas\r\n function generateAnnuitySchedule(loanAmount, annualInterestRate, loanTerm, gracePeriod) {\r\n const monthlyInterestRate = annualInterestRate \/ 12;\r\n let remainingTerm = loanTerm - gracePeriod;\r\n let remainingPrincipal = loanAmount;\r\n const scheduleBody = document.getElementById('scheduleBody');\r\n scheduleBody.innerHTML = '';\r\n \r\n \/\/ Hitung angsuran bulanan (jika ada)\r\n let monthlyPayment = 0;\r\n if (remainingTerm > 0) {\r\n const discountFactor = (Math.pow(1 + monthlyInterestRate, remainingTerm) - 1) \/ \r\n (monthlyInterestRate * Math.pow(1 + monthlyInterestRate, remainingTerm));\r\n monthlyPayment = loanAmount \/ discountFactor;\r\n }\r\n \r\n const today = new Date();\r\n \r\n \/\/ Grace period payments (hanya bunga)\r\n for (let i = 1; i <= gracePeriod; i++) {\r\n const row = document.createElement('tr');\r\n const paymentDate = new Date(today);\r\n paymentDate.setMonth(paymentDate.getMonth() + i);\r\n \r\n const interestPayment = remainingPrincipal * monthlyInterestRate;\r\n const principalPayment = 0;\r\n const totalPayment = interestPayment;\r\n \r\n row.innerHTML = `\r\n <td>${i}<\/td>\r\n <td>${formatDate(paymentDate)}<\/td>\r\n <td>${formatCurrency(principalPayment)}<\/td>\r\n <td>${formatCurrency(interestPayment)}<\/td>\r\n <td>${formatCurrency(totalPayment)}<\/td>\r\n <td>${formatCurrency(remainingPrincipal)}<\/td>\r\n `;\r\n \r\n scheduleBody.appendChild(row);\r\n }\r\n \r\n \/\/ Regular payments (setelah grace period)\r\n for (let i = gracePeriod + 1; i <= loanTerm; i++) {\r\n const row = document.createElement('tr');\r\n const paymentDate = new Date(today);\r\n paymentDate.setMonth(paymentDate.getMonth() + i);\r\n \r\n const interestPayment = remainingPrincipal * monthlyInterestRate;\r\n const principalPayment = monthlyPayment - interestPayment;\r\n const totalPayment = monthlyPayment;\r\n \r\n remainingPrincipal -= principalPayment;\r\n if (remainingPrincipal < 0) remainingPrincipal = 0;\r\n \r\n row.innerHTML = `\r\n <td>${i}<\/td>\r\n <td>${formatDate(paymentDate)}<\/td>\r\n <td>${formatCurrency(principalPayment)}<\/td>\r\n <td>${formatCurrency(interestPayment)}<\/td>\r\n <td>${formatCurrency(totalPayment)}<\/td>\r\n <td>${formatCurrency(remainingPrincipal)}<\/td>\r\n `;\r\n \r\n scheduleBody.appendChild(row);\r\n }\r\n }\r\n \r\n \/\/ Fungsi untuk update ringkasan\r\n function updateSummary(loanAmount, interestRate, loanTerm, gracePeriod, method) {\r\n const today = new Date();\r\n const endDate = new Date(today);\r\n endDate.setMonth(endDate.getMonth() + loanTerm);\r\n \r\n document.getElementById('methodSummary').textContent = method === 'flat' ? 'Bunga Flat' : 'Anuitas';\r\n document.getElementById('amountSummary').textContent = formatCurrency(loanAmount);\r\n document.getElementById('rateSummary').textContent = (interestRate * 100).toFixed(2) + '%';\r\n document.getElementById('termSummary').textContent = loanTerm;\r\n document.getElementById('graceSummary').textContent = gracePeriod;\r\n document.getElementById('startDate').textContent = formatDate(today);\r\n document.getElementById('endDate').textContent = formatDate(endDate);\r\n \r\n \/\/ Sembunyikan info grace period jika tidak ada\r\n document.getElementById('gracePeriodInfo').style.display = gracePeriod > 0 ? 'block' : 'none';\r\n }\r\n \r\n \/\/ Fungsi untuk mengubah tab\r\n function openTab(tabId) {\r\n \/\/ Sembunyikan semua tab content\r\n const tabContents = document.getElementsByClassName('tab-content');\r\n for (let i = 0; i < tabContents.length; i++) {\r\n tabContents[i].classList.remove('active');\r\n }\r\n \r\n \/\/ Nonaktifkan semua tab button\r\n const tabs = document.getElementsByClassName('tab');\r\n for (let i = 0; i < tabs.length; i++) {\r\n tabs[i].classList.remove('active');\r\n }\r\n \r\n \/\/ Tampilkan tab yang dipilih\r\n document.getElementById(tabId).classList.add('active');\r\n \r\n \/\/ Aktifkan tombol tab yang sesuai\r\n const tabButtons = document.getElementsByClassName('tab');\r\n for (let i = 0; i < tabButtons.length; i++) {\r\n if (tabButtons[i].textContent.toLowerCase().includes(tabId.replace('Tab', '').toLowerCase())) {\r\n tabButtons[i].classList.add('active');\r\n }\r\n }\r\n }\r\n \r\n \/\/ Fungsi utilitas untuk format mata uang\r\n function formatCurrency(amount) {\r\n return 'Rp ' + amount.toFixed(0).replace(\/\\d(?=(\\d{3})+$)\/g, '$&.');\r\n }\r\n \r\n \/\/ Fungsi utilitas untuk format tanggal\r\n function formatDate(date) {\r\n const months = ['Jan', 'Feb', 'Mar', 'Apr', 'Mei', 'Jun', 'Jul', 'Ags', 'Sep', 'Okt', 'Nov', 'Des'];\r\n return `${date.getDate()} ${months[date.getMonth()]} ${date.getFullYear()}`;\r\n }\r\n \r\n \/\/ Hitung otomatis saat halaman dimuat\r\n window.onload = function() {\r\n calculateLoan();\r\n };\r\n <\/script>\r\n <footer>\r\n <div class=\"container\">\r\n \t<p>\u00a9 2025 Simulasi Pinjaman Bank Rifi. Alat ini hanya untuk perkiraan atau estimasi, untuk hasil aktual silahkan hubungi kami.<\/p>\r\n <\/div>\r\n <\/footer>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Simulasi Pinjaman – Kalkulator Bunga Flat & Anuitas Simulasi Pinjaman Bank Rifi Hitung angsuran pinjaman Anda Jumlah Pinjaman (Rp) Suku Bunga (% per tahun) Jangka Waktu (bulan) Grace Period (bulan) Metode Perhitungan Bunga FlatAnuitas Hitung Simulasi Pinjaman Hasil Simulasi Total Pinjaman Rp 0 Bunga Total Rp 0 Total Pembayaran Rp 0 Angsuran per Bulan Rp […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-438","page","type-page","status-publish","hentry"],"yoast_head":"\n<title>Simulasi Pinjaman -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-pinjaman\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Simulasi Pinjaman -\" \/>\n<meta property=\"og:description\" content=\"Simulasi Pinjaman – Kalkulator Bunga Flat & Anuitas Simulasi Pinjaman Bank Rifi Hitung angsuran pinjaman Anda Jumlah Pinjaman (Rp) Suku Bunga (% per tahun) Jangka Waktu (bulan) Grace Period (bulan) Metode Perhitungan Bunga FlatAnuitas Hitung Simulasi Pinjaman Hasil Simulasi Total Pinjaman Rp 0 Bunga Total Rp 0 Total Pembayaran Rp 0 Angsuran per Bulan Rp […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-pinjaman\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bprrifimaligi\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-09T08:56:21+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-pinjaman\/\",\"url\":\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-pinjaman\/\",\"name\":\"Simulasi Pinjaman -\",\"isPartOf\":{\"@id\":\"https:\/\/www.bankrifi.co.id\/#website\"},\"datePublished\":\"2025-05-07T08:44:19+00:00\",\"dateModified\":\"2025-05-09T08:56:21+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-pinjaman\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-pinjaman\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-pinjaman\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.bankrifi.co.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Simulasi Pinjaman\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.bankrifi.co.id\/#website\",\"url\":\"https:\/\/www.bankrifi.co.id\/\",\"name\":\"www.bankrifi.co.id\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.bankrifi.co.id\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.bankrifi.co.id\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.bankrifi.co.id\/#organization\",\"name\":\"PT. 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\n\t\t\t\t\t\r\n\r\n\r\n \r\n \r\n Simulasi Pinjaman - Kalkulator Bunga Flat & Anuitas<\/title>\r\n <style>\r\n body {\r\n font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;\r\n line-height: 1.6;\r\n color: #333;\r\n max-width: 1000px;\r\n margin: 0 auto;\r\n padding: 20px;\r\n background-color: #f5f7fa;\r\n }\r\n \r\n header {\r\n text-align: center;\r\n margin-bottom: 30px;\r\n padding: 20px;\r\n background-color: #000080;\r\n color: white;\r\n border-radius: 8px;\r\n }\r\n \r\n h1 {\r\n margin: 0;\r\n font-size: 28px;\r\n }\r\n \r\n .container {\r\n display: flex;\r\n flex-wrap: wrap;\r\n gap: 20px;\r\n }\r\n \r\n .input-section {\r\n flex: 1;\r\n min-width: 300px;\r\n background: white;\r\n padding: 20px;\r\n border-radius: 8px;\r\n box-shadow: 0 2px 10px rgba(0,0,0,0.1);\r\n }\r\n \r\n .result-section {\r\n flex: 2;\r\n min-width: 300px;\r\n background: white;\r\n padding: 20px;\r\n border-radius: 8px;\r\n box-shadow: 0 2px 10px rgba(0,0,0,0.1);\r\n }\r\n \r\n .form-group {\r\n margin-bottom: 15px;\r\n }\r\n \r\n label {\r\n display: block;\r\n margin-bottom: 5px;\r\n font-weight: 600;\r\n }\r\n \r\n input, select {\r\n width: 100%;\r\n padding: 10px;\r\n border: 1px solid #ddd;\r\n border-radius: 4px;\r\n font-size: 16px;\r\n }\r\n \r\n button {\r\n background-color: #3498db;\r\n color: white;\r\n border: none;\r\n padding: 12px 20px;\r\n border-radius: 4px;\r\n cursor: pointer;\r\n font-size: 16px;\r\n width: 100%;\r\n transition: background-color 0.3s;\r\n }\r\n \r\n button:hover {\r\n background-color: #2980b9;\r\n }\r\n \r\n .summary {\r\n display: flex;\r\n justify-content: space-between;\r\n margin-bottom: 20px;\r\n flex-wrap: wrap;\r\n gap: 10px;\r\n }\r\n \r\n .summary-box {\r\n flex: 1;\r\n min-width: 200px;\r\n background: #f8f9fa;\r\n padding: 15px;\r\n border-radius: 8px;\r\n text-align: center;\r\n }\r\n \r\n .summary-box h3 {\r\n margin-top: 0;\r\n color: #2c3e50;\r\n }\r\n \r\n .summary-value {\r\n font-size: 24px;\r\n font-weight: bold;\r\n color: #3498db;\r\n }\r\n \r\n table {\r\n width: 100%;\r\n border-collapse: collapse;\r\n margin-top: 20px;\r\n }\r\n \r\n th, td {\r\n padding: 12px;\r\n text-align: left;\r\n border-bottom: 1px solid #ddd;\r\n }\r\n \r\n th {\r\n background-color: #2c3e50;\r\n color: white;\r\n }\r\n \r\n tr:nth-child(even) {\r\n background-color: #f2f2f2;\r\n }\r\n \r\n .tabs {\r\n display: flex;\r\n margin-bottom: 20px;\r\n }\r\n \r\n .tab {\r\n padding: 10px 20px;\r\n cursor: pointer;\r\n background-color: #ecf0f1;\r\n border: none;\r\n flex: 1;\r\n text-align: center;\r\n }\r\n \r\n .tab.active {\r\n background-color: #3498db;\r\n color: white;\r\n }\r\n \r\n .tab-content {\r\n display: none;\r\n }\r\n \r\n .tab-content.active {\r\n display: block;\r\n }\r\n \r\n @media (max-width: 768px) {\r\n .container {\r\n flex-direction: column;\r\n }\r\n }\r\n <\/style>\r\n<\/head>\r\n<body>\r\n <header>\r\n <h1>Simulasi Pinjaman Bank Rifi<\/h1>\r\n <p>Hitung angsuran pinjaman Anda<\/p>\r\n <\/header>\r\n \r\n <div class=\"container\">\r\n <div class=\"input-section\">\r\n <div class=\"form-group\">\r\n <label for=\"loanAmount\">Jumlah Pinjaman (Rp)<\/label>\r\n <input type=\"number\" id=\"loanAmount\" value=\"0\" min=\"100000\" step=\"100000\">\r\n <\/div>\r\n \r\n <div class=\"form-group\">\r\n <label for=\"interestRate\">Suku Bunga (% per tahun)<\/label>\r\n <input type=\"number\" id=\"interestRate\" value=\"0\" min=\"1\" max=\"50\" step=\"0.1\">\r\n <\/div>\r\n \r\n <div class=\"form-group\">\r\n <label for=\"loanTerm\">Jangka Waktu (bulan)<\/label>\r\n <input type=\"number\" id=\"loanTerm\" value=\"0\" min=\"1\" max=\"360\">\r\n <\/div>\r\n \r\n <div class=\"form-group\">\r\n <label for=\"gracePeriod\">Grace Period (bulan)<\/label>\r\n <input type=\"number\" id=\"gracePeriod\" value=\"0\" min=\"0\" max=\"12\">\r\n <\/div>\r\n \r\n <div class=\"form-group\">\r\n <label for=\"calculationMethod\">Metode Perhitungan<\/label>\r\n <select id=\"calculationMethod\">\r\n <option value=\"flat\">Bunga Flat<\/option>\r\n <option value=\"anuitas\">Anuitas<\/option>\r\n <\/select>\r\n <\/div>\r\n \r\n <button onclick=\"calculateLoan()\">Hitung Simulasi Pinjaman<\/button>\r\n <\/div>\r\n \r\n <div class=\"result-section\">\r\n <h2>Hasil Simulasi<\/h2>\r\n \r\n <div class=\"summary\">\r\n <div class=\"summary-box\">\r\n <h3>Total Pinjaman<\/h3>\r\n <div class=\"summary-value\" id=\"totalLoan\">Rp 0<\/div>\r\n <\/div>\r\n <div class=\"summary-box\">\r\n <h3>Bunga Total<\/h3>\r\n <div class=\"summary-value\" id=\"totalInterest\">Rp 0<\/div>\r\n <\/div>\r\n <div class=\"summary-box\">\r\n <h3>Total Pembayaran<\/h3>\r\n <div class=\"summary-value\" id=\"totalPayment\">Rp 0<\/div>\r\n <\/div>\r\n <div class=\"summary-box\">\r\n <h3>Angsuran per Bulan<\/h3>\r\n <div class=\"summary-value\" id=\"monthlyPayment\">Rp 0<\/div>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"tabs\">\r\n <button class=\"tab active\" onclick=\"openTab('summaryTab')\">Ringkasan<\/button>\r\n <button class=\"tab\" onclick=\"openTab('scheduleTab')\">Tabel Angsuran<\/button>\r\n <\/div>\r\n \r\n <div id=\"summaryTab\" class=\"tab-content active\">\r\n <h3>Detail Pinjaman<\/h3>\r\n <p><strong>Metode Perhitungan:<\/strong> <span id=\"methodSummary\">-<\/span><\/p>\r\n <p><strong>Jumlah Pinjaman:<\/strong> <span id=\"amountSummary\">Rp 0<\/span><\/p>\r\n <p><strong>Suku Bunga:<\/strong> <span id=\"rateSummary\">0%<\/span> per tahun<\/p>\r\n <p><strong>Jangka Waktu:<\/strong> <span id=\"termSummary\">0<\/span> bulan<\/p>\r\n <p><strong>Grace Period:<\/strong> <span id=\"graceSummary\">0<\/span> bulan<\/p>\r\n <p><strong>Tanggal Mulai:<\/strong> <span id=\"startDate\">-<\/span><\/p>\r\n <p><strong>Tanggal Selesai:<\/strong> <span id=\"endDate\">-<\/span><\/p>\r\n \r\n <div id=\"gracePeriodInfo\" style=\"margin-top: 20px; padding: 15px; background-color: #fff8e1; border-radius: 5px;\">\r\n <h4>Informasi Grace Period<\/h4>\r\n <p>Selama masa tenggang (grace period), Anda hanya membayar bunga saja tanpa mengurangi pokok pinjaman.<\/p>\r\n <\/div>\r\n <\/div>\r\n \r\n <div id=\"scheduleTab\" class=\"tab-content\">\r\n <h3>Tabel Angsuran Pinjaman<\/h3>\r\n <div style=\"overflow-x: auto;\">\r\n <table id=\"paymentSchedule\">\r\n <thead>\r\n <tr>\r\n <th>Bulan ke-<\/th>\r\n <th>Tanggal<\/th>\r\n <th>Angsuran Pokok<\/th>\r\n <th>Angsuran Bunga<\/th>\r\n <th>Total Angsuran<\/th>\r\n <th>Sisa Pokok<\/th>\r\n <\/tr>\r\n <\/thead>\r\n <tbody id=\"scheduleBody\">\r\n \r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n \r\n <script>\r\n \/\/ Fungsi untuk menghitung pinjaman\r\n function calculateLoan() {\r\n \/\/ Ambil nilai input\r\n const loanAmount = parseFloat(document.getElementById('loanAmount').value);\r\n const interestRate = parseFloat(document.getElementById('interestRate').value) \/ 100;\r\n const loanTerm = parseInt(document.getElementById('loanTerm').value);\r\n const gracePeriod = parseInt(document.getElementById('gracePeriod').value);\r\n const calculationMethod = document.getElementById('calculationMethod').value;\r\n \r\n \/\/ Hitung berdasarkan metode yang dipilih\r\n if (calculationMethod === 'flat') {\r\n calculateFlat(loanAmount, interestRate, loanTerm, gracePeriod);\r\n } else {\r\n calculateAnnuity(loanAmount, interestRate, loanTerm, gracePeriod);\r\n }\r\n \r\n \/\/ Update ringkasan\r\n updateSummary(loanAmount, interestRate, loanTerm, gracePeriod, calculationMethod);\r\n \r\n \/\/ Buka tab ringkasan\r\n openTab('summaryTab');\r\n }\r\n \r\n \/\/ Fungsi untuk menghitung bunga flat\r\n function calculateFlat(loanAmount, annualInterestRate, loanTerm, gracePeriod) {\r\n const monthlyInterestRate = annualInterestRate \/ 12;\r\n const totalInterest = loanAmount * monthlyInterestRate * loanTerm;\r\n const totalPayment = loanAmount + totalInterest;\r\n \r\n \/\/ Hitung angsuran per bulan (setelah grace period)\r\n let monthlyPayment = 0;\r\n if (loanTerm > gracePeriod) {\r\n monthlyPayment = (loanAmount + totalInterest) \/ (loanTerm - gracePeriod);\r\n }\r\n \r\n \/\/ Update summary values\r\n document.getElementById('totalLoan').textContent = formatCurrency(loanAmount);\r\n document.getElementById('totalInterest').textContent = formatCurrency(totalInterest);\r\n document.getElementById('totalPayment').textContent = formatCurrency(totalPayment);\r\n document.getElementById('monthlyPayment').textContent = gracePeriod >= loanTerm ? 'Rp 0' : formatCurrency(monthlyPayment);\r\n \r\n \/\/ Generate payment schedule\r\n generateFlatSchedule(loanAmount, annualInterestRate, loanTerm, gracePeriod);\r\n }\r\n \r\n \/\/ Fungsi untuk menghitung anuitas\r\n function calculateAnnuity(loanAmount, annualInterestRate, loanTerm, gracePeriod) {\r\n const monthlyInterestRate = annualInterestRate \/ 12;\r\n let remainingTerm = loanTerm - gracePeriod;\r\n \r\n \/\/ Hitung angsuran per bulan (setelah grace period)\r\n let monthlyPayment = 0;\r\n if (remainingTerm > 0) {\r\n const discountFactor = (Math.pow(1 + monthlyInterestRate, remainingTerm) - 1) \/ \r\n (monthlyInterestRate * Math.pow(1 + monthlyInterestRate, remainingTerm));\r\n monthlyPayment = loanAmount \/ discountFactor;\r\n }\r\n \r\n \/\/ Hitung total bunga\r\n let totalInterest = 0;\r\n if (gracePeriod > 0) {\r\n totalInterest += loanAmount * monthlyInterestRate * gracePeriod;\r\n }\r\n \r\n \/\/ Hitung total pembayaran\r\n let totalPayment = loanAmount + totalInterest;\r\n if (remainingTerm > 0) {\r\n totalPayment = monthlyPayment * remainingTerm + (gracePeriod > 0 ? loanAmount * monthlyInterestRate * gracePeriod : 0);\r\n totalInterest = totalPayment - loanAmount;\r\n }\r\n \r\n \/\/ Update summary values\r\n document.getElementById('totalLoan').textContent = formatCurrency(loanAmount);\r\n document.getElementById('totalInterest').textContent = formatCurrency(totalInterest);\r\n document.getElementById('totalPayment').textContent = formatCurrency(totalPayment);\r\n document.getElementById('monthlyPayment').textContent = remainingTerm <= 0 ? 'Rp 0' : formatCurrency(monthlyPayment);\r\n \r\n \/\/ Generate payment schedule\r\n generateAnnuitySchedule(loanAmount, annualInterestRate, loanTerm, gracePeriod);\r\n }\r\n \r\n \/\/ Fungsi untuk menghasilkan tabel angsuran bunga flat\r\n function generateFlatSchedule(loanAmount, annualInterestRate, loanTerm, gracePeriod) {\r\n const monthlyInterestRate = annualInterestRate \/ 12;\r\n const monthlyInterest = loanAmount * monthlyInterestRate;\r\n const monthlyPrincipal = (loanTerm > gracePeriod) ? loanAmount \/ (loanTerm - gracePeriod) : 0;\r\n const scheduleBody = document.getElementById('scheduleBody');\r\n scheduleBody.innerHTML = '';\r\n \r\n let remainingPrincipal = loanAmount;\r\n const today = new Date();\r\n \r\n for (let i = 1; i <= loanTerm; i++) {\r\n const row = document.createElement('tr');\r\n const paymentDate = new Date(today);\r\n paymentDate.setMonth(paymentDate.getMonth() + i);\r\n \r\n let principalPayment = 0;\r\n let interestPayment = monthlyInterest;\r\n let totalPayment = interestPayment;\r\n \r\n if (i > gracePeriod) {\r\n principalPayment = monthlyPrincipal;\r\n totalPayment = principalPayment + interestPayment;\r\n }\r\n \r\n remainingPrincipal -= principalPayment;\r\n if (remainingPrincipal < 0) remainingPrincipal = 0;\r\n \r\n row.innerHTML = `\r\n <td>${i}<\/td>\r\n <td>${formatDate(paymentDate)}<\/td>\r\n <td>${formatCurrency(principalPayment)}<\/td>\r\n <td>${formatCurrency(interestPayment)}<\/td>\r\n <td>${formatCurrency(totalPayment)}<\/td>\r\n <td>${formatCurrency(remainingPrincipal)}<\/td>\r\n `;\r\n \r\n scheduleBody.appendChild(row);\r\n }\r\n }\r\n \r\n \/\/ Fungsi untuk menghasilkan tabel angsuran anuitas\r\n function generateAnnuitySchedule(loanAmount, annualInterestRate, loanTerm, gracePeriod) {\r\n const monthlyInterestRate = annualInterestRate \/ 12;\r\n let remainingTerm = loanTerm - gracePeriod;\r\n let remainingPrincipal = loanAmount;\r\n const scheduleBody = document.getElementById('scheduleBody');\r\n scheduleBody.innerHTML = '';\r\n \r\n \/\/ Hitung angsuran bulanan (jika ada)\r\n let monthlyPayment = 0;\r\n if (remainingTerm > 0) {\r\n const discountFactor = (Math.pow(1 + monthlyInterestRate, remainingTerm) - 1) \/ \r\n (monthlyInterestRate * Math.pow(1 + monthlyInterestRate, remainingTerm));\r\n monthlyPayment = loanAmount \/ discountFactor;\r\n }\r\n \r\n const today = new Date();\r\n \r\n \/\/ Grace period payments (hanya bunga)\r\n for (let i = 1; i <= gracePeriod; i++) {\r\n const row = document.createElement('tr');\r\n const paymentDate = new Date(today);\r\n paymentDate.setMonth(paymentDate.getMonth() + i);\r\n \r\n const interestPayment = remainingPrincipal * monthlyInterestRate;\r\n const principalPayment = 0;\r\n const totalPayment = interestPayment;\r\n \r\n row.innerHTML = `\r\n <td>${i}<\/td>\r\n <td>${formatDate(paymentDate)}<\/td>\r\n <td>${formatCurrency(principalPayment)}<\/td>\r\n <td>${formatCurrency(interestPayment)}<\/td>\r\n <td>${formatCurrency(totalPayment)}<\/td>\r\n <td>${formatCurrency(remainingPrincipal)}<\/td>\r\n `;\r\n \r\n scheduleBody.appendChild(row);\r\n }\r\n \r\n \/\/ Regular payments (setelah grace period)\r\n for (let i = gracePeriod + 1; i <= loanTerm; i++) {\r\n const row = document.createElement('tr');\r\n const paymentDate = new Date(today);\r\n paymentDate.setMonth(paymentDate.getMonth() + i);\r\n \r\n const interestPayment = remainingPrincipal * monthlyInterestRate;\r\n const principalPayment = monthlyPayment - interestPayment;\r\n const totalPayment = monthlyPayment;\r\n \r\n remainingPrincipal -= principalPayment;\r\n if (remainingPrincipal < 0) remainingPrincipal = 0;\r\n \r\n row.innerHTML = `\r\n <td>${i}<\/td>\r\n <td>${formatDate(paymentDate)}<\/td>\r\n <td>${formatCurrency(principalPayment)}<\/td>\r\n <td>${formatCurrency(interestPayment)}<\/td>\r\n <td>${formatCurrency(totalPayment)}<\/td>\r\n <td>${formatCurrency(remainingPrincipal)}<\/td>\r\n `;\r\n \r\n scheduleBody.appendChild(row);\r\n }\r\n }\r\n \r\n \/\/ Fungsi untuk update ringkasan\r\n function updateSummary(loanAmount, interestRate, loanTerm, gracePeriod, method) {\r\n const today = new Date();\r\n const endDate = new Date(today);\r\n endDate.setMonth(endDate.getMonth() + loanTerm);\r\n \r\n document.getElementById('methodSummary').textContent = method === 'flat' ? 'Bunga Flat' : 'Anuitas';\r\n document.getElementById('amountSummary').textContent = formatCurrency(loanAmount);\r\n document.getElementById('rateSummary').textContent = (interestRate * 100).toFixed(2) + '%';\r\n document.getElementById('termSummary').textContent = loanTerm;\r\n document.getElementById('graceSummary').textContent = gracePeriod;\r\n document.getElementById('startDate').textContent = formatDate(today);\r\n document.getElementById('endDate').textContent = formatDate(endDate);\r\n \r\n \/\/ Sembunyikan info grace period jika tidak ada\r\n document.getElementById('gracePeriodInfo').style.display = gracePeriod > 0 ? 'block' : 'none';\r\n }\r\n \r\n \/\/ Fungsi untuk mengubah tab\r\n function openTab(tabId) {\r\n \/\/ Sembunyikan semua tab content\r\n const tabContents = document.getElementsByClassName('tab-content');\r\n for (let i = 0; i < tabContents.length; i++) {\r\n tabContents[i].classList.remove('active');\r\n }\r\n \r\n \/\/ Nonaktifkan semua tab button\r\n const tabs = document.getElementsByClassName('tab');\r\n for (let i = 0; i < tabs.length; i++) {\r\n tabs[i].classList.remove('active');\r\n }\r\n \r\n \/\/ Tampilkan tab yang dipilih\r\n document.getElementById(tabId).classList.add('active');\r\n \r\n \/\/ Aktifkan tombol tab yang sesuai\r\n const tabButtons = document.getElementsByClassName('tab');\r\n for (let i = 0; i < tabButtons.length; i++) {\r\n if (tabButtons[i].textContent.toLowerCase().includes(tabId.replace('Tab', '').toLowerCase())) {\r\n tabButtons[i].classList.add('active');\r\n }\r\n }\r\n }\r\n \r\n \/\/ Fungsi utilitas untuk format mata uang\r\n function formatCurrency(amount) {\r\n return 'Rp ' + amount.toFixed(0).replace(\/\\d(?=(\\d{3})+$)\/g, '$&.');\r\n }\r\n \r\n \/\/ Fungsi utilitas untuk format tanggal\r\n function formatDate(date) {\r\n const months = ['Jan', 'Feb', 'Mar', 'Apr', 'Mei', 'Jun', 'Jul', 'Ags', 'Sep', 'Okt', 'Nov', 'Des'];\r\n return `${date.getDate()} ${months[date.getMonth()]} ${date.getFullYear()}`;\r\n }\r\n \r\n \/\/ Hitung otomatis saat halaman dimuat\r\n window.onload = function() {\r\n calculateLoan();\r\n };\r\n <\/script>\r\n <footer>\r\n <div class=\"container\">\r\n \t<p>\u00a9 2025 Simulasi Pinjaman Bank Rifi. Alat ini hanya untuk perkiraan atau estimasi, untuk hasil aktual silahkan hubungi kami.<\/p>\r\n <\/div>\r\n <\/footer>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Simulasi Pinjaman – Kalkulator Bunga Flat & Anuitas Simulasi Pinjaman Bank Rifi Hitung angsuran pinjaman Anda Jumlah Pinjaman (Rp) Suku Bunga (% per tahun) Jangka Waktu (bulan) Grace Period (bulan) Metode Perhitungan Bunga FlatAnuitas Hitung Simulasi Pinjaman Hasil Simulasi Total Pinjaman Rp 0 Bunga Total Rp 0 Total Pembayaran Rp 0 Angsuran per Bulan Rp […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-438","page","type-page","status-publish","hentry"],"yoast_head":"\n<title>Simulasi Pinjaman -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-pinjaman\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Simulasi Pinjaman -\" \/>\n<meta property=\"og:description\" content=\"Simulasi Pinjaman – Kalkulator Bunga Flat & Anuitas Simulasi Pinjaman Bank Rifi Hitung angsuran pinjaman Anda Jumlah Pinjaman (Rp) Suku Bunga (% per tahun) Jangka Waktu (bulan) Grace Period (bulan) Metode Perhitungan Bunga FlatAnuitas Hitung Simulasi Pinjaman Hasil Simulasi Total Pinjaman Rp 0 Bunga Total Rp 0 Total Pembayaran Rp 0 Angsuran per Bulan Rp […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-pinjaman\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bprrifimaligi\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-09T08:56:21+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-pinjaman\/\",\"url\":\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-pinjaman\/\",\"name\":\"Simulasi Pinjaman -\",\"isPartOf\":{\"@id\":\"https:\/\/www.bankrifi.co.id\/#website\"},\"datePublished\":\"2025-05-07T08:44:19+00:00\",\"dateModified\":\"2025-05-09T08:56:21+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-pinjaman\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-pinjaman\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.bankrifi.co.id\/index.php\/simulasi-pinjaman\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.bankrifi.co.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Simulasi Pinjaman\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.bankrifi.co.id\/#website\",\"url\":\"https:\/\/www.bankrifi.co.id\/\",\"name\":\"www.bankrifi.co.id\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.bankrifi.co.id\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.bankrifi.co.id\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.bankrifi.co.id\/#organization\",\"name\":\"PT. 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