Mortgage Calculator
Estimate your monthly instalment, total interest, and the upfront costs of buying. Adjust the down payment and tenor to find the scheme that fits your cash flow.
Simulation parameters
IDR 1,850,000,000
Banks require at least 10%; 30% and above usually earns a lower rate.
Estimated monthly instalment
— / month
- Down payment
- —
- Loan principal
- —
- Total interest
- —
- Total repayment
- —
- Instalment as % of IDR 10 m income
- —
Simulation uses a fixed rate and annuity method. Actual figures depend on the lending bank's policy and the applicant's risk profile.
Request a Mortgage ConsultationPayment Composition
Where your money goes
The longer the tenor, the larger the interest share. This chart helps you see when a shorter tenor pays off more than a bigger down payment.
- Loan principal —
- Total interest —
- Down payment —
Annual Amortisation
Remaining principal by year
| Year | Principal | Interest | Balance |
|---|
The table assumes a fixed rate and no additional fees.
Partner Banks
Eight banks, one point of contact
We help compare offers, prepare documents, and schedule the appraisal.
FAQ
What to know before applying
What is the minimum income for a mortgage?
Banks generally cap the debt service ratio at 35–40 percent. For a IDR 13 million instalment, net income should be at least around IDR 33 million per month. Joint applicants can combine incomes.
Which documents are required?
ID card, tax number, family card, three months of payslips or six months of bank statements (self-employed), employment letter, and the property documents from the developer. Indonesians working abroad also need a passport and placement letter.
Can a fixed rate change?
During the fixed period (usually 1–5 years) the instalment does not change. Afterwards the bank may adjust the floating rate. Always stress-test at 2–3 percent higher.
Can I repay early?
Yes. Some banks waive penalties after the third year; others charge 1–3 percent of the outstanding principal. Early repayment is most effective in the first years when interest dominates.
Is this simulation binding?
No. It is a planning tool. An official offer only applies once the bank issues a credit approval letter with agreed rate and tenor.
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