{"id":464,"date":"2026-01-23T19:57:04","date_gmt":"2026-01-23T12:57:04","guid":{"rendered":"https:\/\/geetworld.com\/id\/?p=464"},"modified":"2026-02-04T17:18:09","modified_gmt":"2026-02-04T10:18:09","slug":"kalkulator-pembiayaan-kembali","status":"publish","type":"post","link":"https:\/\/geetworld.com\/id\/kalkulator-pembiayaan-kembali\/","title":{"rendered":"Kalkulator Pembiayaan Kembali"},"content":{"rendered":"<style>.kb-row-layout-id464_98833d-bf > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id464_98833d-bf > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id464_98833d-bf > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr) minmax(0, 2fr);}.kb-row-layout-id464_98833d-bf > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id464_98833d-bf > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr) minmax(0, 2fr);}}@media all and (max-width: 767px){.kb-row-layout-id464_98833d-bf > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id464_98833d-bf alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-right-golden kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>#wrapper.site{overflow:clip;}.kadence-column464_6ad761-95 > .kt-inside-inner-col,.kadence-column464_6ad761-95 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column464_6ad761-95 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column464_6ad761-95 > .kt-inside-inner-col{flex-direction:column;}.kadence-column464_6ad761-95 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column464_6ad761-95 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column464_6ad761-95{position:relative;}@media all and (max-width: 1024px){.kadence-column464_6ad761-95 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column464_6ad761-95 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column464_6ad761-95 kb-section-is-sticky\"><div class=\"kt-inside-inner-col\"><!DOCTYPE html>\r\n<html lang=\"id\">\r\n<head>\r\n    <title>Kalkulator Pembiayaan Kembali<\/title>\r\n    <style>\r\n        body {\r\n            font-family: Arial, sans-serif;\r\n            background-color: #f4f4f4;\r\n            margin: 20px;\r\n            padding: 0;\r\n        }\r\n        h2 {\r\n            margin-bottom: 20px;\r\n        }\r\n        .container {\r\n            width: 100%;\r\n            max-width: 400px;\r\n            background: white;\r\n            padding: 20px;\r\n            margin: auto;\r\n            border-radius: 10px;\r\n            box-shadow: 0 0 10px rgba(0, 0, 0, 0.1);\r\n        }\r\n        label {\r\n            display: block;\r\n            margin-top: 10px;\r\n        }\r\n        input {\r\n            width: 100%;\r\n            padding: 8px;\r\n            margin-top: 5px;\r\n            border: 1px solid #ccc;\r\n            border-radius: 5px;\r\n        }\r\n        button {\r\n            width: 100%;\r\n            margin-top: 15px;\r\n            padding: 10px;\r\n            background-color: #28a745;\r\n            color: white;\r\n            border: none;\r\n            border-radius: 5px;\r\n            cursor: pointer;\r\n        }\r\n        button:hover {\r\n            background-color: #218838;\r\n        }\r\n        #result {\r\n            margin-top: 15px;\r\n            font-weight: bold;\r\n            text-align: center;\r\n        }\r\n    <\/style>\r\n<\/head>\r\n<body>\r\n    <h2>Kalkulator Pembiayaan Kembali<\/h2>\r\n    <div class=\"container\">\r\n        <label for=\"loanAmount\">Jumlah Pinjaman Lama (Rp)<\/label>\r\n        <input type=\"number\" id=\"loanAmount\" placeholder=\"Masukkan jumlah pinjaman\" required>\r\n        \r\n        <label for=\"interestOld\">Bunga Lama (%)<\/label>\r\n        <input type=\"number\" id=\"interestOld\" placeholder=\"Masukkan bunga lama\" required>\r\n        \r\n        <label for=\"interestNew\">Bunga Baru (%)<\/label>\r\n        <input type=\"number\" id=\"interestNew\" placeholder=\"Masukkan bunga baru\" required>\r\n        \r\n        <label for=\"loanTerm\">Jangka Waktu (Tahun)<\/label>\r\n        <input type=\"number\" id=\"loanTerm\" placeholder=\"Masukkan jumlah tahun\" required>\r\n        \r\n        <button onclick=\"calculateRefinance()\">Hitung<\/button>\r\n        <div id=\"result\"><\/div>\r\n    <\/div>\r\n\r\n    <script>\r\n        function calculateRefinance() {\r\n            let loanAmount = parseFloat(document.getElementById('loanAmount').value);\r\n            let interestOld = parseFloat(document.getElementById('interestOld').value) \/ 100 \/ 12;\r\n            let interestNew = parseFloat(document.getElementById('interestNew').value) \/ 100 \/ 12;\r\n            let loanTerm = parseFloat(document.getElementById('loanTerm').value) * 12;\r\n            \r\n            let oldPayment = (loanAmount * interestOld) \/ (1 - Math.pow(1 + interestOld, -loanTerm));\r\n            let newPayment = (loanAmount * interestNew) \/ (1 - Math.pow(1 + interestNew, -loanTerm));\r\n            \r\n            let savings = oldPayment - newPayment;\r\n            \r\n            document.getElementById('result').innerHTML = `Cicilan Lama: Rp ${oldPayment.toFixed(2)}<br>\r\n                                                            Cicilan Baru: Rp ${newPayment.toFixed(2)}<br>\r\n                                                            Penghematan Bulanan: Rp ${savings.toFixed(2)}`;\r\n        }\r\n    <\/script>\r\n<\/body>\r\n<\/html>\r\n\n<\/div><\/div>\n\n\n<style>.kadence-column464_da0eb0-4d > .kt-inside-inner-col,.kadence-column464_da0eb0-4d > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column464_da0eb0-4d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column464_da0eb0-4d > .kt-inside-inner-col{flex-direction:column;}.kadence-column464_da0eb0-4d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column464_da0eb0-4d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column464_da0eb0-4d{position:relative;}@media all and (max-width: 1024px){.kadence-column464_da0eb0-4d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column464_da0eb0-4d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column464_da0eb0-4d\"><div class=\"kt-inside-inner-col\">\n<h2>Apa itu Kalkulator Pembiayaan Ulang?<\/h2>\n<p>Kalkulator hipotek adalah alat keuangan yang membantu pengguna menentukan kemungkinan penghematan saat mengubah pinjaman. Kalkulator ini membandingkan persyaratan pinjaman saat ini dengan persyaratan pinjaman baru untuk menentukan perbedaan pembayaran bulanan dan penghematan keseluruhan.<\/p>\n<h3>Mengapa Kalkulator Ini Penting?<\/h3>\n<p>Pembiayaan ulang memungkinkan pengguna untuk mendapatkan suku bunga yang lebih murah, mengurangi pembayaran bulanan, atau memperpendek jangka waktu pinjaman. Alat hipotek membantu pengguna membuat pilihan yang tepat dengan menunjukkan berapa banyak yang dapat mereka hemat dengan pinjaman baru.<\/p>\n<h4>Bagaimana Cara Menggunakan Kalkulator Pembiayaan Ulang?<\/h4>\n<ul>\n<li><strong>Masukkan Rincian Pinjaman Anda Saat Ini<\/strong> \u2013 Masukkan jumlah pinjaman, suku bunga lama, dan jangka waktu pinjaman.<\/li>\n<li><strong>Masukkan Persyaratan Pinjaman Baru<\/strong> \u2013 Berikan suku bunga baru yang Anda pertimbangkan.<\/li>\n<li><strong>Hitung Penghematan Anda<\/strong> \u2013 Alat ini akan menunjukkan biaya bulanan lama dan baru serta penghematan bulanan.<\/li>\n<\/ul>\n<p>Alat ini penting bagi rumah dan bisnis yang mempertimbangkan pinjaman untuk mengurangi biaya dan meningkatkan keamanan finansial.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Apa itu Kalkulator Pembiayaan Ulang? Kalkulator hipotek adalah alat keuangan yang membantu pengguna menentukan kemungkinan penghematan saat mengubah pinjaman. Kalkulator&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[1],"tags":[76],"class_list":["post-464","post","type-post","status-publish","format-standard","hentry","category-finansial","tag-kalkulator-pembiayaan-kembali"],"_links":{"self":[{"href":"https:\/\/geetworld.com\/id\/wp-json\/wp\/v2\/posts\/464","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/geetworld.com\/id\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/geetworld.com\/id\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/geetworld.com\/id\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/geetworld.com\/id\/wp-json\/wp\/v2\/comments?post=464"}],"version-history":[{"count":0,"href":"https:\/\/geetworld.com\/id\/wp-json\/wp\/v2\/posts\/464\/revisions"}],"wp:attachment":[{"href":"https:\/\/geetworld.com\/id\/wp-json\/wp\/v2\/media?parent=464"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/geetworld.com\/id\/wp-json\/wp\/v2\/categories?post=464"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/geetworld.com\/id\/wp-json\/wp\/v2\/tags?post=464"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}