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12 / 100 x 12.000.000
= 12 x 120000
= 1.440.000
Besar angsuran = uang pinjaman + bunga / waktu
= 12.000.000 + 1.440.000 / 20
= 12.000.000/20 +1.440.000
= 600.000 + 1.440.000
= Rp. 2.040.000