Interactive KPR estimate
KPR Mortgage Calculator
Enter the house price, your down payment and the bank's rates to see the monthly payment and the cash you need up front. It also works out a switch of your mortgage to another bank.
This simulation is not saved.
What you enter stays here when you come back to this page in the same browser.
House & loan
Start with what you know. The numbers already filled in are only examples and can be changed.
Usually 10–20 years. A longer term means a lighter payment but more interest overall.
Usually 10–20% of the house price. No down payment tries a 0% scheme with the bank financing everything.
Advanced settingsThe bank's financing limit (LTV) and appraisal value. Usually no need to change.
How much of the house value the bank is willing to finance. The rest must come from your down payment.
Interest
Banks usually give a fixed rate for the first few years, then a floating rate that follows the market. Copy the phases from the bank's offer.
An estimate only: the floating rate follows the market and can change at any time.
The remaining 180 months use the floating rate.
Upfront costsEstimated Rp 103.350.000 · Taxes, notary, provision, insurance and bank fees. Open to see the breakdown or change the figures.
BPHTB (buyer's tax)Rp 56.000.000
The tax the buyer pays when the house changes hands: 5% of the price after the region's tax-free threshold (NPOPTKP).
%RpFollows the house price. Change it if the applicable NJOP or transaction value differs.
RpSet by the regional government; at least Rp80 million. Adjust it for the house's location.
Deed of sale (AJB) / PPATRp 12.000.000
The PPAT's fee for drawing up the deed of sale. The official cap is 1% of the price; the actual bill may be lower.
%The official cap is 1% of the transaction value.
RpFollows the house price. Change it if the applicable NJOP or transaction value differs.
Title transfer (PNBP)Rp 1.250.000
The land office's fee to register the certificate in your name: 0.1% of the land value plus Rp50,000.
%RpFollows the house price. Change it if the applicable NJOP or transaction value differs.
RpAn estimate for one plot; it does not include issuing or converting a certificate to SHM.
Bank administration feeRp 500.000
A flat fee the bank charges when the mortgage is approved.
RpA starting figure you can adjust.
Bank provision feeRp 9.600.000
The loan disbursement fee, usually about 1% of the loan amount.
%Percent of the loan amount.
Appraisal feeRp 1.500.000
The bank valuer's fee for estimating the house value.
RpA starting figure you can adjust.
Notary & legalRp 15.000.000
The credit deed, the mortgage security deed (APHT) and the certificate check.
RpA starting figure you can adjust.
Life & fire insuranceRp 7.500.000
Insurance the bank requires for the life of the mortgage. The premium depends on age, loan amount and term.
RpA starting figure you can adjust.
Other costsRp 0
Any other cost you want to include, such as stamp duty or a certificate check.
RpA starting figure you can adjust.
Check affordability · optionalEnter your income and spending to see whether this payment is safe for you.
Combine your partner's income if you are applying together.
Groceries, transport, electricity, school; not loan payments.
Vehicle, credit card, pay-later and other loans.
What you want left for savings after all spending and payments.
A common rule of thumb: total loan payments at most 30–35% of income.
Repayment scheduleFirst payment Dec 2026, paid off Nov 2046.
Usually the month after the loan is signed.
| Period | Total paid | Interest | Principal | Remaining balance | Action |
|---|---|---|---|---|---|
| 2026 · DecNow | Rp 6.740.002 | Rp 4.600.000 | Rp 2.140.002 | Rp 957.859.998 | |
| 2027 | Rp 80.880.020 | Rp 54.385.952 | Rp 26.494.068 | Rp 931.365.930 | |
| 2028 | Rp 80.880.020 | Rp 52.821.747 | Rp 28.058.273 | Rp 903.307.657 | |
| 2029 | Rp 82.273.108 | Rp 53.173.000 | Rp 29.100.108 | Rp 874.207.549 | |
| 2030 | Rp 97.597.069 | Rp 73.378.556 | Rp 24.218.513 | Rp 849.989.036 | |
| 2031 | Rp 99.112.208 | Rp 73.302.642 | Rp 25.809.566 | Rp 824.179.470 | |
| 2032 | Rp 115.778.736 | Rp 93.637.735 | Rp 22.141.001 | Rp 802.038.469 | |
| 2033 | Rp 115.778.736 | Rp 90.952.932 | Rp 24.825.804 | Rp 777.212.665 | |
| 2034 | Rp 115.778.736 | Rp 87.942.572 | Rp 27.836.165 | Rp 749.376.500 | |
| 2035 | Rp 115.778.736 | Rp 84.567.177 | Rp 31.211.559 | Rp 718.164.941 | |
| 2036 | Rp 115.778.736 | Rp 80.782.484 | Rp 34.996.252 | Rp 683.168.689 | |
| 2037 | Rp 115.778.736 | Rp 76.538.862 | Rp 39.239.874 | Rp 643.928.815 | |
| 2038 | Rp 115.778.736 | Rp 71.780.662 | Rp 43.998.075 | Rp 599.930.740 | |
| 2039 | Rp 115.778.736 | Rp 66.445.485 | Rp 49.333.252 | Rp 550.597.489 | |
| 2040 | Rp 115.778.736 | Rp 60.463.368 | Rp 55.315.369 | Rp 495.282.120 | |
| 2041 | Rp 115.778.736 | Rp 53.755.863 | Rp 62.022.873 | Rp 433.259.247 | |
| 2042 | Rp 115.778.736 | Rp 46.235.011 | Rp 69.543.725 | Rp 363.715.522 | |
| 2043 | Rp 115.778.736 | Rp 37.802.186 | Rp 77.976.550 | Rp 285.738.972 | |
| 2044 | Rp 115.778.736 | Rp 28.346.802 | Rp 87.431.934 | Rp 198.307.037 | |
| 2045 | Rp 115.778.736 | Rp 17.744.864 | Rp 98.033.872 | Rp 100.273.165 | |
| 2046 · Jan–Nov | Rp 106.130.508 | Rp 5.857.343 | Rp 100.273.165 | Rp 0 |
This is an estimate, not a credit offer or approval. The real loan amount, rates and costs follow the bank's policy, appraisal and credit review. The starting numbers are only examples; replace them with your bank's offer.