Tugas:
Please provides an amortization schedule for a loan of $1,000 made at 5% annual interest. The monthly payments for this loan.
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Jawab:
Jumlah Pinjama: 1.000
Bunga tahunan:5%
Bungan Bulanan: 5%/12=0,4167% per bulan
Lama Pinjaman:1 Tahun
Cicilan bulana:
P⋅r(1+r)^n/(1+r)^n −1
1000⋅0,004167(1+0,004167)^12/(1+0,004167)^12 −1
Cicilan Bulanan: 85.61
| Bulan | Saldo Awal | Bunga | Pokok | Saldo Akhir |
| 1 | $1,000.00 | $4.17 | $81.44 | $918.56 |
| 2 | $918.56 | $3.83 | $81.78 | $836.78 |
| 3 | $836.78 | $3.49 | $82.12 | $754.66 |
| 4 | $754.66 | $3.14 | $82.46 | $672.20 |
| 5 | $672.20 | $2.80 | $82.81 | $589.39 |
| 6 | $589.39 | $2.46 | $83.15 | $506.24 |
| 7 | $506.24 | $2.11 | $83.50 | $422.74 |
| 8 | $422.74 | $1.76 | $83.85 | $338.89 |
| 9 | $338.89 | $1.41 | $84.20 | $254.70 |
| 10 | $254.70 | $1.06 | $84.55 | $170.15 |
| 11 | $170.15 | $0.71 | $84.90 | $85.25 |
| 12 | $85.25 | $0.36 | $85.25 | $0.00 |