How KPR instalments are calculated
Banks generally use the annuity method: the instalment is constant, with more interest early on and more principal later.
Instalment = P × r ÷ (1 − (1 + r)−n), where P is the principal, r the monthly rate and n the number of months.
When the fixed period ends, the instalment is recalculated from the remaining balance at the floating rate.
Frequently asked questions
What is the minimum KPR down payment?
It depends on the bank and Bank Indonesia LTV policy; many banks offer 0–10% down for a first home.
What is the difference between fixed and floating rates?
A fixed rate stays the same for a set period; a floating rate follows market rates and is usually higher.
Results are simulations to help planning and may differ from official calculations by agencies, employers or banks. Last updated 2026-11-02.