Mortgage Simulator
Estimate your monthly mortgage (KPR) payment. Adjust the price, down payment, term, and interest rate to see the picture instantly.
Monthly Installment
Rp 6,491,306
- Down Payment
- Rp 160,000,000
- Loan Amount
- Rp 640,000,000
- Total Interest
- Rp 528,435,105
- Total Payment
- Rp 1,168,435,105
An annuity-method estimate for guidance only, not a formal offer. The final rate, fees, and approval follow the bank's terms.
Understanding a Mortgage (KPR)
General information to help you understand how a mortgage works — not financial advice.
Down Payment (DP)
The share of the price you pay upfront, usually 10–30%. A larger down payment means a smaller loan and a lighter monthly installment.
Loan Term (Tenor)
How long you repay, commonly up to 15–25 years. A longer term lowers the monthly payment but raises the total interest paid.
Interest Rate
Many banks offer a fixed rate for the first years, then a floating rate that tracks the market. Sharia mortgages use a fixed margin instead.
Types of Mortgage
Conventional, sharia, and subsidised (FLPP) mortgages for eligible first-time buyers. Land and plots can also be financed via a land loan.
Costs beyond the price
Besides the down payment and installments, set aside funds for these purchase costs:
- BPHTB (buyer's tax), typically 5% of the value above the tax-free threshold.
- Notary/PPAT fees, the deed of sale (AJB), and title transfer (BBN).
- Bank provision, administration, and appraisal fees.
- Life and fire insurance for the duration of the loan.
Before you apply
- Keep total installments (including other debts) around 30–35% of monthly income.
- Check your credit history (SLIK OJK / BI Checking) before applying.
- Prepare the down payment and a buffer for the costs above.
- Compare offers from several banks: fixed rate, term, and total cost.
- Have your income documents and the property's legal papers ready.
Frequently asked questions
Is this simulation accurate?
It's an annuity-method estimate for a first look. The final numbers — rate, fees, and approval — are set by the bank.
What is the minimum down payment?
It depends on the bank and program, generally around 10–30% of the price. Some subsidised programs can be lower.
What's the difference between fixed and floating rates?
Fixed means the rate stays the same for a set period (e.g. the first few years); after that it floats with market rates.
What is BI Checking / SLIK?
It's your credit-history record at the OJK. Banks use it to assess eligibility before approving a mortgage.
Can land be bought with a mortgage?
Yes, through plot/land financing. The terms and tenor usually differ from a house mortgage.
Learn more about mortgages
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Mortgage & Financing How to Apply for a Mortgage as Self-Employed or Freelance
A guide to applying for a KPR without a fixed pay slip: the alternative documents self-employed and freelance applicants need, business legality, and strategies to strengthen approval odds.
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