KPR Calculator (Indonesia)
Calculate your Indonesian home loan (KPR) monthly payment with fixed and floating interest rate periods.
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Indonesian KPR (Kredit Pemilikan Rumah) uses two interest rate periods: a fixed rate for the first 1–5 years, then a floating rate tied to the bank's SBDK (Suku Bunga Dasar Kredit). This calculator shows your cicilan for both periods and the total cost, so you can plan for the payment change when the fixed period ends.
Häufig gestellte Fragen
What is the difference between KPR and a standard mortgage?
Indonesian KPR has a fixed rate for 1–5 years, then switches to a floating rate. Standard Western mortgages are usually fixed for the full term. This makes KPR payments rise significantly after the fixed period ends — factor this into your long-term budget.
What is the minimum down payment (DP) for KPR?
Bank Indonesia regulations set the minimum DP at 15–20% for a first home, and 25–30% for second/third properties. Government-subsidized KPR (FLPP) may have different requirements.
What is KPR Subsidi vs KPR Komersial?
KPR Subsidi (FLPP) is government-backed at a fixed 5% rate for the full 20-year tenor, available to low-income buyers (gaji ≤ Rp 8 juta untuk rumah tapak, ≤ Rp 14 juta untuk rumah susun) with property price caps that vary by zone. KPR Komersial uses market rates from regular banks — typical 2026 rates are 5–7% fixed for the first 1–5 years, then 9–13% floating tied to BI Rate.
How is the floating rate determined?
After the fixed period, your rate resets to the bank's SBDK (Suku Bunga Dasar Kredit) plus a margin, which changes with Bank Indonesia's benchmark rate (BI Rate).
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For informational purposes only. Calculator results are estimates based on the inputs you provide. This is not financial, investment, tax, or legal advice. Consult a qualified financial professional before making major financial decisions.