CARA MEMBUAT TABEL RENCANA ANGSURAN PELUNASAN HUTANG YANG DIBAYAR SECARA ANUITAS

Summary

This tutorial provides a comprehensive guide on calculating annuities for loan repayments and creating a repayment schedule. Using a loan example of Rp 9,500,000 with 1% monthly interest over 6 months, the video explains how to apply the annuity formula to determine the monthly payment. Additionally, the speaker demonstrates how to construct a payment table, breaking down interest, annuity payments, and remaining balances for each period. The session wraps up by ensuring the loan balance reaches zero after all payments, offering viewers valuable insights into financial planning and annuity calculations.

Takeaways

• 😀 The formula for calculating annuities is: A = (B * M * (1 + B)^N) / ((1 + B)^N - 1).
• 😀 An annuity payment consists of both the principal and interest portions, with the payment remaining constant over the period.
• 😀 In the example, the loan amount is Rp 9,500,000, the interest rate is 1% per month, and the period is 6 months.
• 😀 To calculate the annuity, substitute the given values into the formula: A = (0.01 * 9,500,000 * (1 + 0.01)^6) / ((1 + 0.01)^6 - 1).
• 😀 After calculations, the resulting annuity payment is approximately Rp 639,209.48.
• 😀 The amortization schedule includes columns for Period, Initial Loan, Interest, Payment, Principal, and Remaining Balance.
• 😀 The interest for each period is calculated as 1% of the remaining loan balance from the previous month.
• 😀 The principal portion of the payment is determined by subtracting the interest from the annuity payment.
• 😀 The loan balance decreases each month as the principal is paid off, and by the final payment, the balance should be zero (or close to it).
• 😀 The process involves calculating the interest and principal for each period and updating the remaining balance after each payment.
• 😀 The use of a scientific calculator helps in performing the necessary calculations efficiently, especially when dealing with powers and fractions in the formula.

Q & A

What is the formula used to calculate the annuity?

The formula used to calculate the annuity is: A = (b * m * (1 + b)^n) / ((1 + b)^n - 1), where b is the interest rate, m is the loan amount, and n is the number of periods.

How is the interest rate 'b' expressed in the annuity formula?

The interest rate 'b' is expressed as a decimal in the annuity formula. For example, 1% would be written as 0.01.

In the example, what is the loan amount (m)?

In the example, the loan amount (m) is Rp 9,500,000.

What does 'n' represent in the annuity formula?

'n' represents the number of periods or months for which the loan will be repaid. In the example, n is 6 months.

How do you calculate the monthly annuity payment for the given example?

To calculate the monthly annuity payment, substitute the values into the formula. In the example, the annuity payment is calculated as Rp 639,209.48 using the formula.

How is the interest for each period calculated in the amortization table?

The interest for each period is calculated as 1% of the initial loan balance for that period.

What is the principal payment in each period of the amortization table?

The principal payment in each period is the total annuity payment minus the interest for that period.

What happens to the remaining debt after each payment?

The remaining debt decreases after each payment, as the principal portion of the annuity reduces the outstanding loan balance.

Why does the remaining debt in the final period become zero?

In the final period, after the last payment, the remaining debt should be zero, or very close to zero, due to the complete repayment of the loan.

What is the purpose of creating an amortization table?

The purpose of creating an amortization table is to show the breakdown of each payment, including how much goes toward interest and how much goes toward reducing the principal, along with tracking the remaining balance.