Portofolio Utang + Extra Payment
KPR — saldo (Rp jt)
1500
KPR — bunga (% p.a.)
8,5
KTA — saldo (Rp jt)
75
KTA — bunga (% p.a.)
24
Kartu kredit — saldo (Rp jt)
30
Kartu kredit — bunga (% p.a.)
36
Extra payment/bln (Rp jt)
5
Minimum payment/bln (Rp jt)
25
Hasil: Snowball vs Avalanche (total bunga + waktu lunas)
Strategi
Urutan Lunas
Total Bunga
Waktu Lunas (bln)
Snowball (saldo kecil dulu)
Rp 620 jt
psikologis: quick wins
Avalanche (bunga tinggi dulu)
Rp 510 jt
matematis: min bunga
Hemat Avalanche
Rp 110 jt
selisih total bunga
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