How is the KPR monthly installment calculated?

Installment = P x r x (1+r)^n / ((1+r)^n - 1), where P is the loan amount, r is the monthly interest rate (annual rate divided by 12 and by 100), and n is the number of monthly installments (tenure in years times 12).

Does this include provision fees or insurance?

No. This calculator computes the pure installment on the principal and interest rate you enter. Provisi (provision fees), insurance premiums, and notary costs are set by individual banks and are not included.

Is the KPR interest rate fixed or floating?

The calculator assumes a fixed rate for the full tenure. Most Indonesian KPR loans start with a fixed promotional rate for 1-5 years, then switch to a floating rate, so your actual installment may change after the fixed period ends.

What is the difference between monthly installment and total repayment?

The monthly installment is your fixed monthly payment. Total repayment is the installment multiplied by the number of months, which equals the loan amount plus total interest paid.

How does a longer tenure affect the loan?

A longer tenure lowers the monthly installment but increases the total interest paid over the life of the loan, since interest accrues for more months.

Indonesia Mortgage Calculator

Name: Indonesia Mortgage Calculator
Availability: InStock
Author: Nham Vu

Enter your KPR loan amount, interest rate, and tenure to see your monthly installment, total interest, and a year-by-year amortization summary.

KPR Loan Details

Loan Amount (IDR)

Annual Interest Rate (%)

Loan Tenure (Years)

Results

Monthly Installment

Rp 0

Total Interest

Rp 0

Total Repayment

Rp 0

Principal: 50% Interest: 50%

The installment is calculated on a reducing-balance basis and assumes a fixed interest rate for the full tenure. It does not include provision fees, insurance, or other bank charges.

Year	Annual Payment	Interest Paid	Principal Paid	Balance

Summary

Enter your KPR loan amount, interest rate, and tenure to see your monthly installment, total interest, and a year-by-year amortization summary.

How it works

Enter the loan (principal) amount in Indonesian Rupiah.
Enter the annual interest rate offered by your bank.
Enter the loan tenure in years.
The monthly installment, total interest, and total repayment update instantly.
Expand the amortization summary for a year-by-year breakdown of interest, principal, and remaining balance.

Use cases

Compare monthly installments across KPR offers from different banks.
Check how a shorter or longer tenure changes the monthly cicilan.
Estimate total interest cost over the life of a KPR loan.
Plan a household budget around a fixed monthly installment.
Sanity-check the installment quoted by a bank or developer.
See how a larger down payment lowers the loan amount and monthly cost.

Frequently Asked Questions

Last updated: 2026-07-23 · Reviewed by Nham Vu