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KPR Simulator
Bahasa Indonesia

Instalment

What is my instalment, before and after the fixed rate ends?

Enter what the bank quoted you. No rate on this page is supplied by the app — the rate fields start empty, because a pre-filled figure reads like data.

The house and your deposit

The difference is the plafon — what the bank actually lends you.

Rp
Rp

Your figure. BI has released the first-home LTV maximum to bank discretion.

Amount financed

IDR 0

What the bank quoted

Copy it from the offer letter: the rate, and how many years it is locked for.

yr
%

What the bank quoted for the fixed period.

yr
Once the fixed period ends

Nobody knows this figure, this app included. Enter your guess, then try a few others.

%

Your assumption, not data.

%
%

BI-Rate (Bank Indonesia policy rate)

5.75%

In force from 2026-07-22 · verified 2026-08-07 · Keputusan Rapat Dewan Gubernur Bank Indonesia 21–22 Juli 2026

This figure is past its review date (2026-09). Bank Indonesia's Board of Governors meets monthly. Check the source directly before relying on it.

This is Bank Indonesia's policy rate. It is not a KPR rate and not the basis your KPR is priced off — that is each bank's own SBDK plus an unpublished margin. It is a reference point for scale, never a forecast.

It is in your credit agreement. If you do not know it yet, it is one of the questions for the bank below.

Those two widen the band of outcomes on the chart — not a forecast, just the range you want to look at.

Technical details

Banks round differently. A few rupiah of divergence usually starts here.

Your schedule will be drawn here

Fill in three things on the left. The rate fields start empty on purpose: a pre-filled figure would read as data.

0 of 3 entered

  • House price
  • Down payment (plafon is computed)
  • Fixed rate (% per year)

No offer from a bank yet? See how it behaves with a worked example — the figures are invented and marked amber.

Next step · 2 / 4Your limitHow high can the rate go before the instalment passes my limit?