Interactive KPR estimate

KPR Mortgage Calculator

Estimate a home purchase with no down payment or a KPR bank transfer. Adjust the loan, term, rates, costs, and finances to see monthly payments and upfront cash.

Property & loan

Choose a new purchase or KPR takeover, then adjust the property value, loan limit, and loan details.

Property priceRp

Loan term

Set the loan amount by

Planned down paymentRp 240.000.000

Down payment percentage%

Down payment amountRp

Financing limit (LTV)%The estimated loan limit as a share of the property value. Adjust it to match your assumption or bank offer.Use bank appraisal value

Interest rate phases

Add each fixed-rate period from the bank offer. The remaining term uses your floating-rate assumption.

Fixed rate 1 · DurationmonthsAnnual interest rate%

Fixed rate 2 · DurationmonthsAnnual interest rate%

Floating-rate assumption%

Remaining term at the assumed floating rate: 180 months.

Upfront and closing costs

Choose automatic estimates or manual amounts for each cost. Edit the automatic rates and assumptions, then add or remove items as needed.

BPHTB property acquisition tax

Rate%Calculation base valueRpDefaults to the property price. Change it if the applicable NJOP or transaction value differs.NPOPTKP tax-free thresholdRpThe local government sets NPOPTKP. Rp80 million is the general statutory minimum for acquisitions other than gifts/inheritance; adjust it for the property's location.

Estimated amount: Rp 56.000.000

Deed of sale / PPAT service

Rate%Estimated PPAT/deed service fee. PPAT honorarium, including witnesses, is capped at 1% of the transaction value; the actual quote may be lower.

Calculation base valueRpDefaults to the property price. Change it if the applicable NJOP or transaction value differs.

Estimated amount: Rp 12.000.000

Land title transfer registration (PNBP)

Rate%Calculation base valueRpDefaults to the property price. Change it if the applicable NJOP or transaction value differs.Fixed componentRp

Estimated land-right transfer registration PNBP for one plot, not the full cost of issuing or converting a certificate to SHM. The valuation basis and other fees may differ; adjust this estimate or enter a manual amount.

Estimated amount: Rp 1.250.000

Administration fee

Automatic estimate assumptionRpFor fixed costs, this is the starting estimate and you can adjust it.

Estimated amount: Rp 500.000

Provision fee

Rate%

Estimated amount: Rp 9.600.000

Appraisal fee

Automatic estimate assumptionRpFor fixed costs, this is the starting estimate and you can adjust it.

Estimated amount: Rp 1.500.000

Notary & legal

Automatic estimate assumptionRpFor fixed costs, this is the starting estimate and you can adjust it.

Estimated amount: Rp 15.000.000

Life/property insurance

Automatic estimate assumptionRpFor fixed costs, this is the starting estimate and you can adjust it.

Estimated amount: Rp 7.500.000

Other costs

Automatic estimate assumptionRpFor fixed costs, this is the starting estimate and you can adjust it.

Estimated amount: Rp 0

Payment affordability

Enter income, household expenses, other debt payments, and your monthly buffer goal to see how much room you have for a KPR payment.

Monthly net incomeRpTotal monthly household expensesRpEnter routine spending excluding loan installments. Enter other debt payments separately.Other monthly debt paymentsRpTarget monthly leftover/savingsRpThe amount you want left after expenses, other debt payments, and KPR.Total payment limit as share of income%Your own limit for this estimate, not a bank approval decision.

Estimated first monthly payment

Rp 6.740.002/ month

First-phase rate: 5.75% · Highest payment: Rp 9.648.228

Estimated loan amount

Rp 960.000.000

Estimated upfront cash

Rp 343.350.000

Estimated total interest

Rp 1.214.515.242

Total KPR installments

Rp 2.174.515.242

Effective down payment

Rp 240.000.000

Estimated upfront costs

Rp 103.350.000

Payment by interest phase

Fixed rate 1

5.75% · months 1–36

Rp 6.740.002

Principal after phase: Rp 876.134.684

Fixed rate 2

8.5% · months 37–60

Rp 8.133.089

Principal after phase: Rp 825.912.702

Floating rate

11.5% · months 61–240

Rp 9.648.228

Principal after phase: Rp 0

This estimate uses annuity payments. The payment is recalculated when the rate changes using the remaining principal and term.

Payment capacity overview

Peak payment / income ratio

38.6%

Left after expenses & other debt

Rp 15.000.000

Payment capacity after DTI and cash flow limits

Rp 8.750.000

Left after peak KPR payment

Rp 5.351.772

A negative amount means expenses and debt payments exceed income.

The peak payment exceeds your capacity after DTI, expenses, and monthly leftover targets.

DTI includes other debt and the peak KPR payment. Capacity also accounts for household expenses and your monthly leftover target. This is not a bank eligibility review or KPR approval.

This is an estimate, not a credit offer or approval. No-down-payment and takeover options are calculation assumptions; availability and loan limits depend on bank policy, appraisal, and credit review. Initial rates and fees are examples; use your bank offer and actual payoff charges.