simulasi tafs.xls

Private InternalPT TOYOTA ASTRA FINANCIAL SERVICESLegend :Jenis Kendaraan:Sedan, Jip, Minibus, ST Wagon, SUV, MPV, City Car, Double Cabin, Bus: Kotak input dataPenggunaan:Private/OperationalWilayah:2. Jakarta Jabar & BantenSIMULASI PERHITUNGAN PEMBIAYAANTABEL BIAYANama Konsumen:Tenor122436486072Alamat:Biaya Administrasi1,250,0001,250,0001,500,0001,500,0001,500,0001,500,000Tambahan Admin Outer City300,000Dealer:Polis Asuransi50,000Merk:ToyotaType:Altis GWilayah 1Sumatera & Kepulauan SekitarnyaWilayah 2Jakarta Jabar & BantenWilayah 3Jatim Denpasar KalimantanTahun:2013Amount CoverageCompreTLOAmount CoverageCompreTLOAmount CoverageCompreTLO00-125 juta3.97%1.05%00-125 juta3.59%1.14%00-125 juta3.30%0.92%Harga OTR:Rp266,600,000125000001>125 juta3.32%0.93%125000001>125 juta3.12%1.02%125000001>125 juta2.93%0.86%Cashback:Rp0.0-200000001>200 juta2.70%0.84%200000001>200 juta2.70%0.84%200000001>200 juta2.49%0.84%Nett OTR:Rp266,600,000400000001>400 juta2.27%0.79%400000001>400 juta2.27%0.79%400000001>400 juta2.27%0.79%0800000001>800 juta2.00%0.73%800000001>800 juta2.00%0.73%800000001>800 juta2.00%0.73%DP25.00%:Rp66,650,000-Pokok Hutang:Rp199,950,000Extended CoverageBndl RFETSMF Subsidi to DP:Rp-CompreTLOCompreTLOPokok Hutang Murni:Rp199,950,00000-125 juta0.30%0.24%0.050%0.035%DP Nett25.00%:Rp66,650,000125000001>125 juta0.30%0.24%0.050%0.035%200000001>200 juta0.30%0.24%0.050%0.035%Tenor60400000001>400 juta0.30%0.24%0.050%0.035%Outer CityNo800000001>800 juta0.30%0.24%0.050%0.035%Agreed ValueTJH IIITahun 1100%:Rp266,600,000Bndl RFELimit TJHTarifTahun 280%:Rp213,280,000Bndl RFE0-25 juta1.000%Tahun 380%:Rp213,280,000Bndl RFE>25 juta0.750%Tahun 470%:Rp186,620,0000>50 juta0.500%Tahun 570%:Rp186,620,000Bndl RFETahun 60%:Rp0.00Notes :Bndl RFE :Bundling Riot, Flood & Earthquake (Huru hara, Bajir dan Gempa Bumi)TS :Terorisme & Sabotase. Perluasan TS dapat diambil jika customer sudah tercover dengan Bun RFEPremi Asuransi TAVP - Basic Premi & Extended CoverageBndl RFETSTJH IIIPersonal Protection ProgramPremi DasarBndl RFETSTJH IIIPersonal Protection ProgramTahun 1CompreNONO0NO2.70%0.00%0.000%0.00%0.00%:Rp7,198,200CreditTahun 2CompreNONO0NO2.70%0.00%0.000%0.00%0.00%:Rp5,758,560CreditTahun 3CompreNONO0NO2.70%0.00%0.000%0.00%0.00%:Rp5,758,560CreditTahun 4CompreNONO0NO3.12%0.00%0.000%0.00%0.00%:Rp5,822,544CreditTahun 5TLONONO0NO1.02%0.00%0.000%0.00%0.00%:Rp1,903,524CreditTahun 6TLONONO0NO1.14%0.00%0.000%0.00%0.00%:Rp0.0CreditTotal26,441,388Dealer Incentive to DP0.00%Maximal 23.5% dari Nilai PremiDealer Incentive to DP forNO0.00%0.0Subsidy ListingFree 1st Year InsuranceNo0.00.0Discount AdminNo0%0.0:Rp0.0Asuransi Kredit7,198,2005,758,5605,758,5605,822,5441,903,5240.0:Rp26,441,388+Pokok Hutang Total:Rp226,391,388Non TACPDealer Subsidy Rate:RpTotal Dealer Subsidy Rate0.00%5.12%00.0Bunga Dasar8.50%Bunga Kredit8.50%X5tahun:Rp96,216,340+Total Hutang:Rp322,620,000Angsuran / BulanADDB:Rp5,377,000Pembayaran I Non TACP1. DP:Rp66,650,0002. Angsuran I:Rp0.03. Asuransi Tunai TAVP0.00.00.00.00.00.0:Rp0.04. Biaya AdminAdditional0:Rp1,500,0005. Tambahan Biaya Admin Outer City0.0:Rp0.06. Diskon Admin:Rp0.07. Biaya Polis:Rp50,000+:Rp68,200,000Dealer Incentive to TDP:Rp0.0-Total Pembayaran I Non TACP:Rp68,200,000AP Dealer198,400,000TACPPremi Asuransi TACP1.75%:Rp5,645,850Cash0.0%:Rp0.0Credit100.0%:Rp5,645,850Pokok Hutang Total Include TACP:Rp232,037,238Dealer Subsidy Rate0.00%5.12%0:Rp0.0Bunga Dasar8.50%Bunga Kredit8.50%X5tahun:Rp98,615,826+Total Hutang:Rp330,660,000Angsuran / BulanADDB:Rp5,511,000Pembayaran I TACP1. DP:Rp66,650,0002. Angsuran I:Rp0.03. Asuransi Tunai TAVP:Rp0.04. Asuransi Tunai TACP:Rp0.05. Biaya Admin:Rp1,500,0006. Tambahan Biaya Admin Outer City:Rp0.07. Diskon Admin:Rp0.08. Biaya Polis:Rp50,000+:Rp68,200,000Dealer Incentive to TDP:Rp0.0-Total Pembayaran I TACP:Rp68,200,000AP Dealer198,400,0000123456789101112131415161718192021222324252627282930313233343536373839404142434445464748495051525354555657585960616263646566676869707172IRR Non TACP14.93%(226,391,388)5,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0005,377,0000.00.00.00.00.00.00.00.00.00.00.00.0IRR TACP14.40%(232,037,238)5,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0005,511,0000.00.00.00.00.00.00.00.00.00.00.00.00.0

Pilih Area sesuai dengan Area Pendaftaran No Polisi KendaraanMain Premi Comprehensive untuk Kategori > 200 jt & main premi TLO untuk All Kategori OTR sudah termasuk perluasan RFE.

Jika muncul keterangan Bndl RFE maka pada kategori OTR tersebut sudah tercover perluasan Huru-Hara, Banjir dan Gempa Bumi.

Sehingga jika Cust mengambil tenor 3 tahun, dan hanya Pada Tahun 1 yang terdapat keterangan Bndl RFE, maka yang tercover oleh perluasan RFE hanya untuk Tahun ke 1 sajaBndl RFE hanya boleh dipilih "OK" jika kategori OTR 125 juta3.86%1.18%125000001>125 juta3.46%0.97%Cashback:Rp0.0-200000001>200 juta3.23%0.95%200000001>200 juta3.23%0.95%200000001>200 juta2.80%0.95%Nett OTR:Rp201,000,000400000001>400 juta2.67%0.88%400000001>400 juta2.67%0.88%400000001>400 juta2.52%0.88%0800000001>800 juta2.32%0.80%800000001>800 juta2.32%0.80%800000001>800 juta2.32%0.80%DP25.00%:Rp50,250,000-Pokok Hutang:Rp150,750,000Extended CoverageBndl RFETSMF Subsidi to DP:Rp-CompreTLOCompreTLOPokok Hutang Murni:Rp150,750,00000-125 juta0.300%0.240%0.050%0.035%DP Nett25.00%:Rp50,250,000125000001>125 juta0.300%0.240%0.050%0.035%200000001>200 juta0.300%0.240%0.050%0.035%Tenor72400000001>400 juta0.300%0.240%0.050%0.035%Outer CityNo800000001>800 juta0.300%0.240%0.050%0.035%Agreed ValueTJH IIITahun 1100%:Rp201,000,000Bndl RFELimit TJHTarifTahun 280%:Rp160,800,00000-25 juta1.000%Tahun 380%:Rp160,800,0000>25 juta0.750%Tahun 470%:Rp140,700,0000>50 juta0.500%Tahun 570%:Rp140,700,0000Tahun 670%:Rp140,700,0000Notes :Bndl RFE :Bundling Riot, Flood & Earthquake (Huru hara, Bajir dan Gempa Bumi)TS :Terorisme & Sabotase. Perluasan TS dapat diambil jika customer sudah tercover dengan Bun RFEPremi Asuransi TAVP - Basic Premi & Extended CoverageBndl RFETSTJH IIIPersonal Protection ProgramPremi DasarBndl RFETSTJH IIIPersonal Protection ProgramTahun 1CompreNONO10,000,000NO3.23%0.00%0.000%1.00%0.00%:Rp6,592,300CashTahun 2CompreNONO10,000,000NO3.86%0.00%0.000%1.00%0.00%:Rp6,306,880CreditTahun 3CompreNONO10,000,000NO3.86%0.00%0.000%1.00%0.00%:Rp6,306,880CreditTahun 4CompreNONO10,000,000NO3.86%0.00%0.000%1.00%0.00%:Rp5,531,020CreditTahun 5CompreNONO10,000,000NO3.86%0.00%0.000%1.00%0.00%:Rp5,531,020CreditTahun 6CompreNONO10,000,000NO3.86%0.00%0.000%1.00%0.00%:Rp5,531,020CreditTotal35,799,120Dealer Incentive to DP0.00%Maximal 23.5% dari Nilai PremiDealer Incentive to DP forNO0.00%0.0Subsidy ListingFree 1st Year InsuranceNo0.00.0Discount AdminNo0%0.0:Rp0.0Asuransi Kredit0.06,306,8806,306,8805,531,0205,531,0205,531,020:Rp29,206,820+Pokok Hutang Total:Rp179,956,820Non TACPDealer Subsidy Rate:RpTotal Dealer Subsidy Rate0.00%5.12%00.0Bunga Dasar9.00%Bunga Kredit9.00%X6tahun:Rp97,176,683+Total Hutang:Rp277,200,000Angsuran / BulanADDM:Rp3,850,000Pembayaran I Non TACP1. DP:Rp50,250,0002. Angsuran I:Rp3,850,0003. Asuransi Tunai TAVP6,592,3000.00.00.00.00.0:Rp6,592,3004. Biaya AdminAdditional0:Rp1,500,0005. Tambahan Biaya Admin Outer City0.0:Rp0.06. Diskon Admin:Rp0.07. Biaya Polis:Rp50,000+:Rp62,242,300Dealer Incentive to TDP:Rp0.0-Total Pembayaran I Non TACP:Rp62,242,300AP Dealer138,757,700TACPPremi Asuransi TACP1.75%:Rp4,851,000Cash0.0%:Rp0.0Credit100.0%:Rp4,851,000Pokok Hutang Total Include TACP:Rp184,807,820Dealer Subsidy Rate0.00%5.12%0:Rp0.0Bunga Dasar9.00%Bunga Kredit9.00%X6tahun:Rp99,796,223+Total Hutang:Rp284,616,000Angsuran / BulanADDM:Rp3,953,000Pembayaran I TACP1. DP:Rp50,250,0002. Angsuran I:Rp3,953,0003. Asuransi Tunai TAVP:Rp6,592,3004. Asuransi Tunai TACP:Rp0.05. Biaya Admin:Rp1,500,0006. Tambahan Biaya Admin Outer City:Rp0.07. Diskon Admin:Rp0.08. Biaya Polis:Rp50,000+:Rp62,345,300Dealer Incentive to TDP:Rp0.0-Total Pembayaran I TACP:Rp62,345,300AP Dealer138,654,7000123456789101112131415161718192021222324252627282930313233343536373839404142434445464748495051525354555657585960616263646566676869707172IRR Non TACP15.98%(176,106,820)3,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0003,850,0000.0IRR TACP15.97%(180,854,820)3,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0003,953,0000.0

Pilih Area sesuai dengan Area Pendaftaran No Polisi KendaraanMain Premi Comprehensive untuk Kategori > 200 jt & main premi TLO untuk All Kategori OTR sudah termasuk perluasan RFE.

Jika muncul keterangan Bndl RFE maka pada kategori OTR tersebut sudah tercover perluasan Huru-Hara, Banjir dan Gempa Bumi.

Sehingga jika Cust mengambil tenor 3 tahun, dan hanya Pada Tahun 1 yang terdapat keterangan Bndl RFE, maka yang tercover oleh perluasan RFE hanya untuk Tahun ke 1 sajaBndl RFE hanya boleh dipilih "OK" jika kategori OTR