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

House price

Down payment

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

Amount financed

IDR 0

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

Term (years)

Fixed rate (% per year)

What the bank quoted for the fixed period.

Fixed period (years)

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

Floating rate (% per year)

Your assumption, not data.

Lower by

Higher by

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 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 It is not a KPR rate and not the basis your KPR is priced off — that is each bank's own SBDK plus an unpublished margin.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.

The rate is reviewed every

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

Start year

Start month

Rounding

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

Nothing computed yet

Fill in three things on the left and the schedule appears here.

House pricenot yet entered
Amount financednot yet entered
Fixed rate (% per year)not yet entered

No offer from a bank yet? Fill in a worked example to see how it behaves first — the figures are invented and marked amber.