KPR Calculator (Indonesia)
Calculate your Indonesian home loan monthly payment with fixed and floating interest rate periods.
โน๏ธAbout This Calculator
Indonesian KPR (Kredit Pemilikan Rumah) has two rate periods: a low fixed rate for the first 1โ5 years, then a floating rate tied to the bank's base lending rate (SBDK). This calculator shows your monthly payment for both periods so you can plan for the payment jump after the fixed period ends.
Frequently Asked Questions
What is the difference between KPR and a standard mortgage?
Indonesian KPR uses a fixed rate for the first 1โ5 years, then switches to a floating rate. Most Western mortgages are fixed for the full term. This makes Indonesian KPR payments unpredictable after the fixed period.
What is the minimum down payment (DP) for KPR?
Bank Indonesia regulations require a minimum DP of 15โ20% for a first home, and 25โ30% for second or third properties. Government-subsidized KPR (FLPP) may have lower requirements.
What is KPR Subsidi vs KPR Komersial?
KPR Subsidi (FLPP) is government-backed with lower rates (~5%) for low-income buyers, with property price caps. KPR Komersial is from regular banks at market rates.
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. This rate changes with the Bank Indonesia benchmark rate (BI Rate).