Kredit Motor/Mobil Calculator (Indonesia)
Calculate Indonesian vehicle loan (kredit motor/mobil) monthly installment with flat rate or effective/annuity interest.
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Vehicle loans in Indonesia (kredit kendaraan bermotor) are provided by banks and multifinance companies (FIF, Adira, BAF, WOM Finance, etc.) using either bunga flat or bunga efektif/anuitas. Bunga flat calculates interest on the original principal throughout the entire tenor, giving a constant monthly installment that is simple to understand. Bunga efektif calculates interest on the remaining balance each month, resulting in lower total interest. Most multifinance companies advertise flat rates, while banks typically use effective rates.
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What is the difference between bunga flat and bunga efektif?
Bunga flat calculates interest on the original loan amount throughout the entire tenor — easy to understand, but the true effective interest rate is about 1.7–1.8× the stated flat rate. Bunga efektif (annuity) calculates interest on the remaining balance each month, meaning total interest is lower. Most multifinance companies (FIF, Adira, etc.) quote flat rates; most bank loans use effective rates.
What is the minimum DP for kredit kendaraan?
OJK regulations require a minimum DP of 20% for motorcycle loans and 25% for car loans (non-productive). For commercial/productive vehicles, DP can be as low as 0%. Some promotions offer 0% DP but typically carry higher interest rates.
How do I compare a flat rate vs efektif rate offer?
Always compare using the effective annual rate (suku bunga efektif per tahun). A 10% flat rate is equivalent to approximately 17–18% effective annual rate. Use this calculator to see the total interest cost for both methods at the same nominal rate.
What documents are needed for kredit kendaraan?
Typically: KTP, NPWP (if applicable), salary slip or bank statement (3 months), employment letter, and down payment. Self-employed applicants may also need SIUP/business license and recent financial statements. Processing time is usually 1–3 working days.