[ABSTRAK
Artikel ini mencoba menjawab pertanyaan berapa besar tingkat kredit kepemilikan sepeda motor selama ini tidak transparan bagi konsumen sepeda motor. Hal ini berbeda dengan konsumen yang mengajukan kredit kepemilikan apartemen dan rumah dimana mereka dapat langsung mengetahui besarnya tingkat bunga kredit yang akan mereka bayar selama periode tertentu. Pada penulisan ini menggunakan konsep present value yaitu anuitas biasa dan dalam menentukan tingkat bunga kredit menggunakan Microsoft excel dengan rumus financial rate. Hasil perhitungan menunjukan bahwa tingkat bunga kepemilikan sepeda motor sangat tinggi dibandingkan kredit kepemilikan lainnya.

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ABSTRACT
This article tries to answer the question how much the mortgage interest rate for a motorcyle that is not transparent to the consumer motorcycle. This is different from the consumer to apply for credit and home ownership of the apartment where they can directly determine the level of interest they will pay for a certain period At this writing uses the concept of present value of the ordinary annuity and in determining the interest rate loan using microsoft excel with financial formula rate. The calculations show the rate of motorcycle owenership interest is very high compared to orther.;This article tries to answer the question how much the mortgage interest rate for a motorcyle that is not transparent to the consumer motorcycle. This is different from the consumer to apply for credit and home ownership of the apartement where they can directly determine the level of interest they will pay for a certain period At this writing uses the concept of present value of the ordinary annuity and in determining the interest rate loan using microsoft excel with financial formula rate. The calculations show the rate of motorcycle owenership iterest is very high compared to orther.;This article tries to answer the question how much the mortgage interest rate for a motorcyle that is not transparent to the consumer motorcycle. This is different from the consumer to apply for credit and home ownership of the apartement where they can directly determine the level of interest they will pay for a certain period At this writing uses the concept of present value of the ordinary annuity and in determining the interest rate loan using microsoft excel with financial formula rate. The calculations show the rate of motorcycle owenership iterest is very high compared to orther.;This article tries to answer the question how much the mortgage interest rate for a motorcyle that is not transparent to the consumer motorcycle. This is different from the consumer to apply for credit and home ownership of the apartement where they can directly determine the level of interest they will pay for a certain period At this writing uses the concept of present value of the ordinary annuity and in determining the interest rate loan using microsoft excel with financial formula rate. The calculations show the rate of motorcycle owenership iterest is very high compared to orther., This article tries to answer the question how much the mortgage interest rate for a motorcyle that is not transparent to the consumer motorcycle. This is different from the consumer to apply for credit and home ownership of the apartement where they can directly determine the level of interest they will pay for a certain period At this writing uses the concept of present value of the ordinary annuity and in determining the interest rate loan using microsoft excel with financial formula rate. The calculations show the rate of motorcycle owenership iterest is very high compared to orther.]