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tirto.id - Pegawai Pemerintah dengan Perjanjian Kerja (PPPK) memiliki hak yang sama seperti PNS untuk menggunakan Surat Keputusan (SK) pengangkatan sebagai jaminan pinjaman di bank. Simak contoh tabel angsuran gadai SK PPPK di beberapa bank daerah berikut.
Meskipun PPPK bukan pegawai tetap, SK ini tetap diakui secara resmi dan dapat digunakan untuk mengajukan berbagai jenis kredit, mulai dari Kredit Tanpa Agunan (KTA), kredit multiguna, hingga KPR.
Untuk mengajukan pinjaman dengan SK PPPK, nasabah umumnya harus menyerahkan dokumen seperti SK pengangkatan, pas foto, KTP/KK, NPWP (jika diminta), slip gaji atau surat keterangan penghasilan, rekening koran atau buku tabungan, serta dokumen tambahan sesuai kebijakan bank.
Beberapa bank juga menetapkan persyaratan khusus, misalnya masa kerja minimal atau batas usia pensiun.
Tabel Angsuran Gadai SK PPPK di Bank Daerah
Berikut tabel angsuran gadai SK PPPK di beberapa bank daerah:
1. Tabel Angsuran Gadai SK PPPK di Bank Magelang
Bank Magelang menawarkan program Kredit PPPK, yaitu program pemberian pinjaman dari Bank Magelang kepada Pegawai Pemerintah dengan Perjanjian Kerja (PPPK) melalui sistem potong gaji dan suku bunga sangat murah.Baca juga:
Berikut contoh simulasi tabel angsuran per bulannya:
| Plafon | 12 | 24 | 36 | 48 | 60 |
| 5,000,000.00 | 439,579.00 | 230,725.00 | 161,336.00 | 126,813.00 | 106,235.00 |
| 10,000,000.00 | 879,159.00 | 461,449.00 | 322,672.00 | 253,626.00 | 212,470.00 |
| 15,000,000.00 | 1,318,738.00 | 692,174.00 | 484,008.00 | 380,439.00 | 318,706.00 |
| 20,000,000.00 | 1,758,318.00 | 922,899.00 | 645,344.00 | 507,252.00 | 424,941.00 |
| 25,000,000.00 | 2,197,897.00 | 1,153,623.00 | 80,668.00 | 634,065.00 | 531,176.00 |
| 30,000,000.00 | 2,637,477.00 | 1,384,348.00 | 968,016.00 | 760,878.00 | 637,411.00 |
| 35,000,000.00 | 3,077,056.00 | 1,615,072.00 | 1,129,352.00 | 88,769.00 | 743,647.00 |
| 40,000,000.00 | 3,516,635.00 | 1,845,797.00 | 1,290,687.00 | 1,014,503.00 | 849,882.00 |
| 45,000,000.00 | 3,956,215.00 | 2,076,522.00 | 1,452,023.00 | 1,141,316.00 | 956,117.00 |
| 50,000,000.00 | 4,395,794.00 | 2,307,246.00 | 1,613,359.00 | 1,268,129.00 | 1,062,352.00 |
| 60,000,000.00 | 5,274,953.00 | 2,768,696.00 | 1,936,031.00 | 1,521,755.00 | 1,274,823.00 |
| 70,000,000.00 | 6,154,112.00 | 3,230,145.00 | 2,258,703.00 | 1,775,381.00 | 1,487,293.00 |
| 80,000,000.00 | 7,033,271.00 | 3,691,594.00 | 2,581,375.00 | 2,029,007.00 | 1,699,764.00 |
| 90,000,000.00 | 7,913,430.00 | 4,153,043.00 | 2,904,047.00 | 2,282,633.00 | 1,912,234.00 |
| 100,000,000.00 | 8,791,589.00 | 4,614,493.00 | 3,226,719.00 | 2,536,258.00 | 2,124,704.00 |
2. Tabel Angsuran Gadai SK PPPK di Bank Pasar Temanggung
Syarat mengajukan pinjaman PPPK di Bank Pasar Temanggung adalah dengan melampirkan foto copy KTP Suami + Istri, Surat Nikah, dan Kartu Keluarga serta SK asliBerikut contoh simulasi tabel angsuran per bulannya:
| Plafon | 12 | 24 | 36 | 48 | 60 | 72 | 84 | 96 | 108 | 120 | 180 |
| 10,000,000.00 | 879,159.00 | 461,449.00 | 322,672.00 | 253,626.00 | 212,470.00 | 185,258.00 | 166,012.00 | 151,742.00 | 140,787.00 | 132,151.00 | 107,461.00 |
| 20,000,000.00 | 1,758,318.00 | 922,899.00 | 645,344.00 | 507,252.00 | 424,941.00 | 370,517.00 | 332,024.00 | 303,483.00 | 281,574.00 | 264,301.00 | 214,921.00 |
| 25,000,000.00 | 2,197,897.00 | 1,153,623.00 | 806,680.00 | 634,065.00 | 531,176.00 | 463,146.00 | 415,030.00 | 379,354.00 | 351,967.00 | 330,377.00 | 268,651.00 |
| 50,000,000.00 | 4,395,794.00 | 2,307,246.00 | 1,636,936.00 | 1,268,129.00 | 1,062,352.00 | 926,292.00 | 830,059.00 | 758,708.00 | 703,934.00 | 660,754.00 | 537,303.00 |
| 60,000,000.00 | 5,274,953.00 | 2,768,696.00 | 1,964,323.00 | 1,521,755.00 | 1,274,823.00 | 1,111,550.00 | 996,071.00 | 910,450.00 | 844,721.00 | 792,904.00 | 644,763.00 |
| 75,000,000.00 | 6,593,692.00 | 3,460,869.00 | 2,420,039.00 | 1,902,194.00 | 1,593,528.00 | 1,389,438.00 | 1,245,089.00 | 1,138,062.00 | 1,055,901.00 | 991,131.00 | 805,954.00 |
| 90,000,000.00 | 7,912,430.00 | 4,153,043.00 | 2,904,047.00 | 2,282,633.00 | 1,912,234.00 | 1,667,325.00 | 1,494,107.00 | 1,365,675.00 | 1,267,082.00 | 1,189,357.00 | 967,145.00 |
| 100,000,000.00 | 8,791,589.00 | 4,614,493.00 | 3,226,719.00 | 2,536,258.00 | 2,124,704.00 | 1,852,584.00 | 1,660,018.00 | 1,517,416.00 | 1,407,869.00 | 1,321,507.00 | 1,074,605.00 |
| 125,000,000.00 | 10,989,486.00 | 5,768,116.00 | 4,033,398.00 | 3,170,323.00 | 2,655,881.00 | 2,315,730.00 | 2,075,148.00 | 1,896,771.00 | 1,759,836.00 | 1,651,884.00 | 1,343,256.00 |
| 150,000,000.00 | 13,187,383.00 | 6,921,739.00 | 4,840,078.00 | 3,804,388.00 | 3,187,057.00 | 2,778,876.00 | 2,490,178.00 | 2,276,125.00 | 2,111,803.00 | 1,982,261.00 | 1,611,908.00 |
| 175,000,000.00 | 15,385,280.00 | 8,075,362.00 | 5,646,758.00 | 4,438,452.00 | 3,718,233.00 | 3,242,022.00 | 2,905,207.00 | 2,655,479.00 | 2,463,770.00 | 2,312,638.00 | 1,880,559.00 |
| 200,000,000.00 | 17,583,177.00 | 9,228,985.00 | 6,453,437.00 | 5,072,517.00 | 4,249,409.00 | 3,705,168.00 | 3,320,237.00 | 3,034,833.00 | 2,815,737.00 | 2,643,015.00 | 2,149,210.00 |
| 250,000,000.00 | 21,978,972.00 | 11,536,232.00 | 8,066,767.00 | 6,340,646.00 | 5,311,761.00 | 4,631,459.00 | 4,150,296.00 | 3,792,541.00 | 3,519,672.00 | 3,303,768.00 | 2,686,513.00 |
| 300,000,000.00 | 26,374,766.00 | 13,843,478.00 | 9,680,156.00 | 7,608,755.00 | 6,374,113.00 | 5,557,751.00 | 4,980,355.00 | 4,552,249.00 | 4,223,606.00 | 3,964,552.00 | 3,223,815.00 |
3. Tabel Angsuran Gadai SK PPPK Bank Delta Artha Sidoarjo
Pagu 1 merupakan fasilitas kredit yang khusus dibuat untuk seluruh ASN dan Pegawai BUMD di wilayah Kab. Sidoarjo dengan plafond pinjaman sampai 500 juta.Berikut contoh simulasi tabel angsuran per bulannya:
| Plafon | 12 | 36 | 60 | 96 | 120 | 144 | 180 |
| 50,000,000.00 | 4,348,266.00 | 1,565,665.00 | 1,012,624.00 | 705,564.00 | 605,318.00 | 539,856.00 | 476,384.00 |
| 75,000,000.00 | 6,522,398.00 | 2,348,498.00 | 1,518,936.00 | 1,058,346.00 | 907,977.00 | 809,785.00 | 714,576.00 |
| 100,000,000.00 | 8,696,531.00 | 3,131,330.00 | 2,025,247.00 | 1,411,128.00 | 1,210,636.00 | 1,079,713.00 | 952,768.00 |
| 125,000,000.00 | 10,870,664.00 | 3,914,163.00 | 2,531,559.00 | 1,763,910.00 | 1,513,294.00 | 1,349,641.00 | 1,190,960.00 |
| 150,000,000.00 | 13,044,797.00 | 4,696,996.00 | 3,037,871.00 | 2,116,692.00 | 1,815,953.00 | 1,619,569.00 | 1,429,152.00 |
| 175,000,000.00 | 15,218,930.00 | 5,479,828.00 | 3,544,183.00 | 2,469,474.00 | 2,118,612.00 | 1,889,498.00 | 1,667,344.00 |
| 200,000,000.00 | 17,393,063.00 | 6,262,661.00 | 4,050,495.00 | 2,822,256.00 | 2,421,271.00 | 2,159,426.00 | 1,905,536.00 |
| 225,000,000.00 | 19,567,195.00 | 7,045,494.00 | 4,556,807.00 | 3,175,038.00 | 2,723,930.00 | 2,429,354.00 | 2,143,728.00 |
| 250,000,000.00 | 21,741,328.00 | 7,828,326.00 | 5,063,118.00 | 3,527,820.00 | 3,026,589.00 | 2,699,282.00 | 2,381,920.00 |
| 275,000,000.00 | 23,915,461.00 | 8,611,159.00 | 5,569,430.00 | 3,880,602.00 | 3,329,248.00 | 2,969,211.00 | 2,620,112.00 |
| 300,000,000.00 | 26,089,594.00 | 9,393,991.00 | 6,075,742.00 | 4,233,384.00 | 3,631,907.00 | 3,239,139.00 | 2,858,303.00 |
| 325,000,000.00 | 28,263,727.00 | 10,176,824.00 | 6,582,054.00 | 4,586,166.00 | 3,934,566.00 | 3,509,067.00 | 3,096,495.00 |
| 350,000,000.00 | 30,437,859.00 | 10,959,657.00 | 7,088,366.00 | 4,938,948.00 | 4,237,224.00 | 3,778,995.00 | 3,334,687.00 |
| 375,000,000.00 | 32,611,992.00 | 11,742,489.00 | 7,594,678.00 | 5,291,730.00 | 4,539,883.00 | 4,048,923.00 | 3,572,879.00 |
| 400,000,000.00 | 34,786,125.00 | 12,525,322.00 | 8,100,989.00 | 5,644,512.00 | 4,842,542.00 | 4,318,852.00 | 3,811,071.00 |
| 425,000,000.00 | 36,960,258.00 | 13,308,154.00 | 8,607,301.00 | 5,997,294.00 | 5,145,201.00 | 4,588,780.00 | 4,049,263.00 |
| 450,000,000.00 | 39,134,391.00 | 14,090,987.00 | 9,113,613.00 | 6,350,076.00 | 5,447,860.00 | 4,858,708.00 | 4,287,455.00 |
| 475,000,000.00 | 41,308,523.00 | 14,873,820.00 | 9,619,925.00 | 6,702,858.00 | 5,750,519.00 | 5,128,636.00 | 4,525,647.00 |
| 500,000,000.00 | 43,482,656.00 | 15,656,652.00 | 10,126,237.00 | 7,055,640.00 | 6,053,178.00 | 5,398,565.00 | 4,763,839.00 |
4. Tabel Angsuran Gadai SK PPPK Bank BPD Bali
Kredit Multiguna dari Bank BPD Bali adalah kredit konsumtif dengan sumber pembayaran berasal dari gaji yang diterima setiap bulan untuk tujuan : renovasi rumah, biaya pendidikan, biaya upacara agama, dan tujuan konsumtif lainnya.Berikut contoh simulasi tabel angsuran per bulannya:
| Plafon | 1 | 2 | 3 | 4 | 5 |
| 10,000,000.00 | 874,515.00 | 456,857.00 | 317,997.00 | 253,626.00 | 212,470.00 |
| 50,000,000.00 | 4,372,574.00 | 2,284,237.00 | 1,589,987.00 | 1,268,129.00 | 1,062,352.00 |
| 100,000,000.00 | 8,745,148.00 | 4,568,474.00 | 3,179,973.00 | 2,536,258.00 | 2,124,704.00 |
| 150,000,000.00 | 13,117,722.00 | 6,852,711.00 | 4,769,960.00 | 3,804,388.00 | 3,187,057.00 |
Baca juga artikel terkait PPPK atau tulisan lainnya dari Prihatini Wahyuningtyas
tirto.id - Aktual dan Tren
Kontributor: Prihatini Wahyuningtyas
Penulis: Prihatini Wahyuningtyas
Editor: Dipna Videlia Putsanra
Penulis: Prihatini Wahyuningtyas
Editor: Dipna Videlia Putsanra
