Mortgage Calculator

Indonesia Mortgage Calculator

Your loan

Rp
20% · Loan amount: Rp 2.880.000.000
Rp
%
years
%

Pre-filled estimate: central-bank rate 5,75% plus a typical lender margin. Replace it with your lender's offer.

Monthly payment
Rp 21.753.468
Where your monthly payment goes
  • Principal & interestRp 21.753.468
Total interest
Rp 3.646.040.506
Total of all payments
Rp 6.526.040.506
Paid off in
25 yr 0 mo
Loan-to-value
80%
Cash needed at purchase
Rp 828.000.000

Upfront costs

  • Down paymentRp 720.000.000
  • Closing costs
    %
    Rp 108.000.000
  • Cash needed at purchaseRp 828.000.000

What if interest rates change?

Your payment today is just the start. See how it could move if rates go up or down during your loan.

Your rate is fixed for the whole term, so market moves won't change your payment. Choose a variable or fixed-period loan above to see the effect — or use this to judge whether refinancing could pay off.

Loan balance over time

  • Remaining balance
  • Interest paid (cumulative)
  • Principal paid (cumulative)
Loan balance over timeRp 0Rp 1BRp 2BRp 3BRp 4B0510152025

Interest rates in Indonesia

Monthly averages. Sources: Bank for International Settlements

Shows the central-bank policy rate. Mortgage rates are usually higher.

Interest rates in Indonesia3,5%4%4,5%5%5,5%6%6,5%201620182020202220242026

Frequently asked questions

How is the monthly mortgage payment calculated?

For an equal-payment loan, the payment is P × i × (1 + i)^n ÷ ((1 + i)^n − 1), where P is the loan amount, i the monthly interest rate and n the number of months. Taxes, insurance and fees are added on top.

What is the current average mortgage rate in Indonesia?

Indonesia does not publish an official average mortgage rate that we can track. Ask several lenders for quotes and enter the rate in the calculator.

How much does a 1-point rate rise change my payment?

On a Rp 2.880.000.000 loan over 25 years, going from 7,75% to 8,75% raises the monthly payment from Rp 21.753.468 to Rp 23.677.737 — about Rp 1.924.268 more each month.

What upfront costs should I budget for in Indonesia?

On a Rp 3.600.000.000 purchase, expect about Rp 108.000.000 in taxes and fees on top of your down payment. The breakdown is shown in the calculator above.

Can this calculator predict future interest rates?

No. The scenario tool shows a range of possible outcomes based on the band you choose. Nobody can predict rates reliably — use it to check whether you could still afford the loan if rates rise.

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