SURYO PROPERTY

SURYO PROPERTY

The property of your dreams.

Calculator of KPR

Simulate your home ownership lending easily and accurately

Choose the property

Select from the listing or enter the price manually

There are no properties in this category

Rp

Enter the price of the property you want to simulate

Price of Property:

The Financial Parameters

Settle money in advance and credit period.

%

Rp

% of property price

0% 25% 50% 75% 100%

The minimum DP for KPR is generally 10-20% of the property price. The larger the DP, the lighter the monthly fee.

year
1 Thn 10 Thn 20 Thn 30 Thn

Totally Payment of Cyclone

Price of Property
The money (DP)
Total Loans

Banks and Flowers

Select a bank or set up manually

Choose a bank

The interest rate will be automatically filled according to the selected bank.

Automatic flowers are filled.
Min DP
Max Tenor
Fixed Rate
Floating

Promo is available

Click to see the promo brochure.

Fixed Rate (Fixed Rate)

The rate remains the same for a certain period at the start of the loan.

% Thn

Floating Rate (Floating Rate)

Cicilan adjusts market rates after the fixed period ends

% Thn
Floating flower tribes can change according to market conditions.This estimate is for initial simulation.

Summary of Flower Scheme

fixed ( Thn)
Floating ( Thn)

Simulation of KPR

Estimate the value based on the parameters you entered

Estimated Monthly Period (Fixed Period)

During First year

Estimates of the fluctuation after a fixed period (floating)

During Next year

Details of Loan

Price of Property
The money (DP)
Total Loans
Tenor

Details of Flowers

Flowers fixed
Period Fixed
Floating Flowers
Floating Period

Summary of Total Payment

Total trees

Total of Flowers (Est.)

Total Payment (Est.)

Recommendation of income

Based on the principle of 30% of income for cicilan:

Minimum income per month

*This is an ideal recommendation. The KPR rate should not exceed 30-40% of the total monthly income.

Disclaimer

The results of this simulation are estimated and may differ from the actual offer of the bank. Please contact your chosen bank for more detailed information about interest rates, administrative fees, and other requirements.

Consultation now

What is KPR?

Home Ownership Credit (KPR) is a credit facility from a bank to help you buy a home or property in a smooth way within a certain period of time.

With KPR, you don’t need to prepare the full money to buy a home. Just prepare the advance (DP) and the rest for 5-30 years.

Type of flower

The Flower (Fixed)

Monthly volatility remains the same for a certain period (usually the first 1-5 years).

The Floating Flower (Floating Flower)

The currency can go up or down according to the market rate. This happens after the fixed period ends.

Tips for KPR

  • Prepare a minimum DP of 20% for a lighter cicilan
  • Choose a tenor according to your ability, not too long
  • Compare offers from different banks.
  • Pay attention to extra costs outside of the cylinder.
  • A maximum of 30% of the monthly income

Additional costs of KPR

Cost of Provision 0.5% - 1%
Administrative costs Rp 500rb - 1jt
Cost of Appraisal Rp 500rb - 1.5jt
Notary fees 1% - 2.5%
Life and Fire Insurance varied

*Fee may vary depending on the bank and property value

Need a help?

Our team is ready to help you find your dream property and provide free KPR consultation.

Contact Us

Questions about KPR

Important information you need to know before applying for KPR

The general conditions of the KPR submission include:

  • WNI aged 21-55 years (maximum 65 years at loans credit)
  • Have a fixed income or a stable business
  • Not in the blacklist of BI Checking (SLIK OJK)
  • Have KTP, KK, NPWP, and slip salary/financial report
  • Savings books last 3-6 months

There is no basic minimum wage, but the bank applies the principle:

  • Maximum yield of 30-40% of net income
  • Example: Rp 5 million, minimum salary Rp 15-17 million
  • The income of the couple can be combined (joint income)
  • Additional income can be counted with evidence

Tip: Use the calculator above to find out the income recommendations based on the rate.

  1. Choose the property - Choose the house you want to buy.
  2. Pay Booking Fee - Sign to the developer.
  3. Presentation of KPR - Fill out documents and send them to the bank.
  4. by Checking - The bank checks your credit history
  5. Appraisal - Property Pricing by Bank
  6. approval of credit - Bank issued SP3K
  7. Acredited credit - Signing an agreement with a notary
  8. Destroyed - Money transferred to developer

The process usually takes 2-4 weeks.

KPR conventional

  • • Using a flower system
  • • Flowers can stay or float.
  • • Cycling can change.
  • • The calculation is simpler.

KPR Sharia

  • • Without a flower system.
  • • Buying for sale (Murabahah
  • • Stay silent from the beginning
  • • According to Islamic Principles

Yes, you can do accelerated loading with the terms:

  • Usually a penalty is imposed on 1-3% of the remaining tree.
  • Some banks give free penalty after a certain period of time.
  • It can be paid partially or completely.
  • It is best to consult with the bank regarding fees and procedures.

Tips : Before taking KPR, ask the policy of accelerated loading and its penalty costs.

BI Checking (now SLIK OJK) is an information system that records customer credit history across Indonesian financial institutions.

Credit Collectivity Score:

  • 1 Payment – Payment on time
  • 2 DPK - Delayed 1-90 days
  • 3 Less well - Delayed 91-120 days
  • 4 Twisted - Delayed 121-180 days
  • 5 Delayed over 180 days

For a KPR submission, you must have a score of 1 (lansing) or a maximum of 2.