Loan Calculator
Calculate monthly payments based on loan amount, interest rate and term. Full amortization schedule with KKDF and BSMV.
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KKDF: 15% + BSMV: 10% are automatically included in the calculation.
Frequently Asked Questions
What are KKDF and BSMV?
KKDF (Resource Utilization Support Fund) at 15% and BSMV (Banking and Insurance Transaction Tax) at 10% are calculated on the interest amount. These taxes are added to consumer loan interest.
What is the monthly interest rate?
The monthly interest rate is the percentage charged by banks per month. You can approximate it by dividing the annual rate by 12.
What does the amortization table show?
The amortization table shows how much principal, interest and KKDF+BSMV you pay each month and the remaining balance. Interest portion is higher in early months, principal portion is higher in later months.
What happens if I pay early?
If you make early payments, interest is calculated on the remaining principal, reducing your total interest cost. Banks may charge an early payment fee.