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Indonesia · IDR

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HomeCalc

Mortgage calculator for Indonesia

See what you pay each month, and how the payment moves when the rate changes.

No local legal figures for Indonesia

HomeCalc has no data on fees, taxes or lending limits in Indonesia. The loan maths and IDR formatting still work. Every fee starts at 0: enter your own, then check them with your lender or a local adviser.

Your loan

Example values: replace them with your own.

IDR
IDR
20% of the price · Loan IDR 528,000,000
years
240 months
Interest rates
%
months
%
Base rate plus margin, as your bank quotes it
Repayment method

The same payment every month within each rate period

Prepayment
IDR
%
Default in month 24: 0% of the amount prepaid. Change it to match your loan contract.
After prepaying

Results

Monthly payment

IDR 4,416,404

Indonesia · IDR · Basic: fees entered by you

Highest payment
IDR 4,416,406
Total interest
IDR 531,936,857
Total paidPrincipal plus interest
IDR 1,059,936,857

Note

HomeCalc works out the loan and adds up the fees you enter. It provides no legal figures for Indonesia: no fees, taxes or lending limits. It is not financial, legal or tax advice. Before you decide, check every figure with your lender or a licensed adviser in Indonesia. This site never stores the numbers you enter; they live only in the page address.

The monthly rate is the annual rate spread evenly over the months; amounts are rounded to the smallest unit of IDR. Lenders in Indonesia may work out interest differently.

The link carries only the numbers you entered. The site keeps no copy of them.

Next: home-buying costs

Interest and principal by year

  • Interest
  • Principal
  • Monthly payment
Interest and principal by yearStacked bars for 20 years showing interest and principal paid each year, with a line for the monthly payment, starting at IDR 4,416,404. Exact figures are in the schedule table.Year 1: interest IDR 41,836,685, principal IDR 11,160,158Year 2: interest IDR 40,910,397, principal IDR 12,086,446Year 3: interest IDR 39,907,228, principal IDR 13,089,615Year 4: interest IDR 38,820,797, principal IDR 14,176,046Year 5: interest IDR 37,644,192, principal IDR 15,352,651Year 6: interest IDR 36,369,929, principal IDR 16,626,914Year 7: interest IDR 34,989,904, principal IDR 18,006,939Year 8: interest IDR 33,495,337, principal IDR 19,501,506Year 9: interest IDR 31,876,721, principal IDR 21,120,122Year 10: interest IDR 30,123,761, principal IDR 22,873,081Year 11: interest IDR 28,225,307, principal IDR 24,771,536Year 12: interest IDR 26,169,282, principal IDR 26,827,561Year 13: interest IDR 23,942,607, principal IDR 29,054,235Year 14: interest IDR 21,531,120, principal IDR 31,465,723Year 15: interest IDR 18,919,481, principal IDR 34,077,362Year 16: interest IDR 16,091,077, principal IDR 36,905,766Year 17: interest IDR 13,027,916, principal IDR 39,968,927Year 18: interest IDR 9,710,515, principal IDR 43,286,328Year 19: interest IDR 6,117,771, principal IDR 46,879,072Year 20: interest IDR 2,226,831, principal IDR 50,770,014per yearper month15 million30 million45 million60 million1.5 million3 million4.5 millionYear 66Year 1212Year 1818

Year

Show what happens if rates rise

If the floating rate rises

The promotional period stays the same; only the floating rate goes up.

Show yearly schedule

Yearly schedule

Scroll sideways to see the whole table