KPR calculator
Home Loan (KPR) Calculator
Estimate a monthly installment with your own numbers.
KPR simulation
Estimate your installment
All fields start empty. Enter the price you were quoted, your down payment, the bank's rate and a loan term.
Ask about KPR (opens in a new tab)Your estimate
Fill in the home price, down payment, interest rate and loan term. Your estimate appears here.
Fixed-rate estimate (annuity method). The bank sets the actual rate, fees, insurance and approval.
Good to know
KPR terms, in plain words
The estimate uses the standard annuity method: the same payment every month, with more interest at the start and more principal later.
See the buying steps
Illustrative photo- KPR
- Kredit Pemilikan Rumah, a home loan from a bank. You pay the down payment, the bank pays the rest to the developer, and you repay the bank monthly.
- Down payment (DP)
- The part of the price you pay yourself. A higher DP means a smaller loan and lower installments.
- Fixed and floating rate
- Many KPRs start with a fixed rate for some years, then follow the bank's floating rate. This calculator assumes one fixed rate for the whole term.
- Subsidized KPR (FLPP)
- A government-supported KPR with its own rate and eligibility rules. Ask the bank whether you and the unit qualify.