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 117,654,924
- Down Payment
- Rp 2,900,000,000
- Loan Amount
- Rp 11,600,000,000
- Total Interest
- Rp 9,577,886,277
- Total Payment
- Rp 21,177,886,277
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
Mortgage & Financing When the Bank Values the House Below the Price
When the bank's valuation comes in below the agreed price, your loan shrinks with it. Here is why it happens and the options you have before signing.
Mortgage & Financing Life and Fire Insurance in a Mortgage: What Is Covered
Banks usually require life and fire insurance on a KPR. What each covers and doesn't, flood extensions, how premiums are paid, and how a family makes a claim.
Mortgage & Financing When Mortgage Payments Get Hard: Restructuring Before Foreclosure
Struggling with your KPR instalments? Talk to the bank before you fall behind. Restructuring options, the effect on SLIK, and the ways out before an auction.