$3$ . Seorg teman meminta Anda membantu menghitung besar cicilan per bulan mobil APV GE PS, dgn informasi sbb : $\newline$ - Harga jual (PVAn) = Rp $136$ . $500$ . $000$ ,- $\newline$ - DP = Rp $25$ juta $\newline$ - Tenor $(n)=30$ bulan $\newline$ - Bunga (i) $=9 \%$ tahun

Full solution

3

. Seorg teman meminta Anda membantu menghitung besar cicilan per bulan mobil APV GE PS, dgn informasi sbb :

\newline

- Harga jual (PVAn) = Rp

136

500

000

\newline

- DP = Rp

25

juta

\newline

- Tenor

(n)=30

bulan

\newline

- Bunga (i)

=9 \%

tahun

Calculate Loan Amount: Calculate the loan amount by subtracting the down payment ( $DP$ ) from the total price ( $PVAn$ ). $\newline$ Loan amount = $PVAn - DP$ $\newline$ Loan amount = $Rp\, 136,500,000 - Rp\, 25,000,000$ $\newline$ Loan amount = $Rp\, 111,500,000$
Convert Interest Rate: Convert the annual interest rate to a monthly rate. $\newline$ Monthly interest rate = $\frac{\text{Annual interest rate}}{12}$ $\newline$ Monthly interest rate = $\frac{9\%}{12}$ $\newline$ Monthly interest rate = $0.75\%$
Convert to Decimal: Convert the monthly interest rate into a decimal. $\newline$ Monthly interest rate (decimal) = $\frac{0.75}{100}$ $\newline$ Monthly interest rate (decimal) = $0.0075$
Use Annuity Formula: Use the annuity formula to calculate the monthly installment. $\newline$ Monthly installment = $(\text{Loan amount} \times \text{Monthly interest rate}) / (1 - (1 + \text{Monthly interest rate})^{-n})$ $\newline$ Monthly installment = $(Rp\, 111,500,000 \times 0.0075) / (1 - (1 + 0.0075)^{-30})$
Calculate Denominator: Calculate the denominator of the annuity formula. $\newline$ Denominator = $(1 - (1 + 0.0075)^{-30})$ $\newline$ Denominator = $(1 - (1.0075)^{-30})$
Calculate Negative Exponent: Calculate the negative exponent part of the denominator. $\newline$ Negative exponent calculation = $(1.0075)^{-30}$