Simulasi Penghitungan Online Kredit Pemilikan Rumah Bank Xyz Berbasis Web di Portal Finansial www.kontan.co.id
The objective of this study is to develop an online application of mortgage loan simulation. This application is developed based on a web application in order to be accessible anywhere and anytime. This application is expected to help prospective property’s consumers calculate their financial plans...
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| Format: | Article |
| Language: | English |
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Bina Nusantara University
2013-06-01
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| Series: | ComTech |
| Subjects: | |
| Online Access: | https://journal.binus.ac.id/index.php/comtech/article/view/2702 |
| _version_ | 1797714600367489024 |
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| author | Albert V. Dian Sano |
| author_facet | Albert V. Dian Sano |
| author_sort | Albert V. Dian Sano |
| collection | DOAJ |
| description | The objective of this study is to develop an online application of mortgage loan simulation. This application is developed based on a web application in order to be accessible anywhere and anytime. This application is expected to help prospective property’s consumers calculate their financial plans related to decisions concerning the amount of down payment, loan term, and the mortgage system model to be selected. There are two models of mortgage in this application. The first is a fixed and cap rate of interest, with the first three years of the mortgage interest rate of 9.75%, the fourth and fifth year interest of 10%, and the sixth year onwards using a rate cap interest with the indication of 12%. The second model is a 2-year fixed rate mortgage with the first two years rate of 8.5% and the third year onwards using adjustable rate mortgage of interest with the indication of 12%. Calculation formula and the interest rates in this application are obtained from Bank XYZ which is in turn applied in collaboration with financial portal www.kontan.co.id. This application has been tested by over 1000 users and the results are well proven and valid. |
| first_indexed | 2024-03-12T07:54:21Z |
| format | Article |
| id | doaj.art-db64ea0e05ab4d0db569c46ed1c16e68 |
| institution | Directory Open Access Journal |
| issn | 2087-1244 2476-907X |
| language | English |
| last_indexed | 2024-03-12T07:54:21Z |
| publishDate | 2013-06-01 |
| publisher | Bina Nusantara University |
| record_format | Article |
| series | ComTech |
| spelling | doaj.art-db64ea0e05ab4d0db569c46ed1c16e682023-09-02T20:23:29ZengBina Nusantara UniversityComTech2087-12442476-907X2013-06-014119019810.21512/comtech.v4i1.27022102Simulasi Penghitungan Online Kredit Pemilikan Rumah Bank Xyz Berbasis Web di Portal Finansial www.kontan.co.idAlbert V. Dian Sano0Bina Nusantara UniversityThe objective of this study is to develop an online application of mortgage loan simulation. This application is developed based on a web application in order to be accessible anywhere and anytime. This application is expected to help prospective property’s consumers calculate their financial plans related to decisions concerning the amount of down payment, loan term, and the mortgage system model to be selected. There are two models of mortgage in this application. The first is a fixed and cap rate of interest, with the first three years of the mortgage interest rate of 9.75%, the fourth and fifth year interest of 10%, and the sixth year onwards using a rate cap interest with the indication of 12%. The second model is a 2-year fixed rate mortgage with the first two years rate of 8.5% and the third year onwards using adjustable rate mortgage of interest with the indication of 12%. Calculation formula and the interest rates in this application are obtained from Bank XYZ which is in turn applied in collaboration with financial portal www.kontan.co.id. This application has been tested by over 1000 users and the results are well proven and valid.https://journal.binus.ac.id/index.php/comtech/article/view/2702simulation mortgage calculation, web-based applications, properties |
| spellingShingle | Albert V. Dian Sano Simulasi Penghitungan Online Kredit Pemilikan Rumah Bank Xyz Berbasis Web di Portal Finansial www.kontan.co.id ComTech simulation mortgage calculation, web-based applications, properties |
| title | Simulasi Penghitungan Online Kredit Pemilikan Rumah Bank Xyz Berbasis Web di Portal Finansial www.kontan.co.id |
| title_full | Simulasi Penghitungan Online Kredit Pemilikan Rumah Bank Xyz Berbasis Web di Portal Finansial www.kontan.co.id |
| title_fullStr | Simulasi Penghitungan Online Kredit Pemilikan Rumah Bank Xyz Berbasis Web di Portal Finansial www.kontan.co.id |
| title_full_unstemmed | Simulasi Penghitungan Online Kredit Pemilikan Rumah Bank Xyz Berbasis Web di Portal Finansial www.kontan.co.id |
| title_short | Simulasi Penghitungan Online Kredit Pemilikan Rumah Bank Xyz Berbasis Web di Portal Finansial www.kontan.co.id |
| title_sort | simulasi penghitungan online kredit pemilikan rumah bank xyz berbasis web di portal finansial www kontan co id |
| topic | simulation mortgage calculation, web-based applications, properties |
| url | https://journal.binus.ac.id/index.php/comtech/article/view/2702 |
| work_keys_str_mv | AT albertvdiansano simulasipenghitunganonlinekreditpemilikanrumahbankxyzberbasiswebdiportalfinansialwwwkontancoid |