Mortgage Calculator
Work out your monthly KPR payment and the total upfront cost of buying a home in Indonesia — down payment, BPHTB duty, notary and registration costs — in rupiah. Free, no sign-up.
Purchase Details
Banks generally want 10–30%, within Bank Indonesia's loan-to-value limits. A subsidised FLPP loan for a first home under the price cap can allow a smaller down payment.
KPR rates are often fixed for the first few years and then float with the bank's base rate. A subsidised FLPP loan is a fixed ~5% for 20 years. Enter the rate you expect to pay on average.
BPHTB is 5% of the price (or the NJOP tax value if higher), after deducting a regional tax-free threshold (NPOPTKP). It is the buyer's cost. Lower the slider slightly to allow for the threshold on a cheaper home.
Notary/PPAT fees for the deed of sale and the title transfer (roughly 1%), the mortgage provision fee (about 1%), the appraisal fee, and life and property insurance the bank requires. The seller separately pays a 2.5% final income tax.
Your Mortgage
Monthly Payment
Rp 6.176.139
Rp 640.000.000 loan · 10% · 20 years
💬 In Plain Words
To buy a home priced at Rp 800.000.000 with a 20% deposit, you borrow Rp 640.000.000 and pay about Rp 6.176.139 a month for 20 years. Over the full term you pay Rp 842.273.247 in interest. On the day you buy, you need Rp 216.000.000 in cash — the down payment plus BPHTB and closing costs.
Cash Needed at Purchase
Estimate for educational purposes. Not included: the exact NPOPTKP threshold that reduces BPHTB, the step-up when a fixed KPR rate ends and starts to float, and FLPP or Tapera eligibility rules. Assumes one level-payment loan at a constant rate. Have the figures confirmed by your notary and bank before you commit.
How the Mortgage Payment Is Worked Out
👋 Simple Explanation
A mortgage is a loan secured on the property. You put down a deposit, borrow the rest, and repay it with interest over 20 to 30 years. Early on, most of each payment is interest; later, most is principal. Paying a little extra each month, or making a lump sum when you can, cuts the total interest sharply because it shortens the term.
Payment = L × [r(1+r)ⁿ] / [(1+r)ⁿ − 1]
Where L = loan amount, r = monthly interest rate (annual ÷ 12), and n = the number of monthly payments (term in years × 12).
Costs and Rules When Buying a Home in Indonesia
The big upfront costs are the down payment (usually 10–30%, within Bank Indonesia's loan-to-value limits), BPHTB — the buyer's land and building acquisition duty at 5% of the price (or the NJOP tax value if higher) after the regional NPOPTKP threshold — notary/PPAT fees for the deed and title transfer (roughly 1%), a mortgage provision fee of about 1%, and the appraisal and insurance the bank requires. The seller separately pays a 2.5% final income tax. For a lower monthly payment, a first-time buyer of a house under the price cap can apply for a subsidised FLPP loan at a fixed ~5% over 20 years. Add every cost up before you decide how much you need saved.
Frequently Asked Questions
- What does it cost to buy a home in Indonesia besides the price?
- The buyer pays BPHTB — the land and building acquisition duty — at 5% of the price (or the tax-office value NJOP if higher), minus a regional tax-free threshold (NPOPTKP). On top of that: notary/PPAT fees to draw up the deed of sale and register the title transfer (roughly 1%), a mortgage provision fee of about 1%, an appraisal fee, and life and property insurance the bank requires. The seller separately pays a 2.5% final income tax on the sale.
- How big a deposit do I need for a mortgage (KPR) in Indonesia?
- Banks generally want 10–30% of the price as a down payment, within the loan-to-value limits Bank Indonesia sets. KPR rates are often fixed for the first few years and then float with the bank's base rate, so check what the rate becomes after the fixed period. First-time buyers of a lower-priced house may qualify for a subsidised FLPP loan at a fixed 5% over 20 years.
- What are FLPP and Tapera?
- FLPP is the government's subsidised housing-loan facility: a fixed low rate (around 5%) for first-time buyers of a house under a price cap. Tapera is a 3% payroll housing-savings levy (2.5% employee, 0.5% employer) being phased in; participants can later access Tapera-financed loans. Neither replaces an ordinary KPR for a mid-priced home.