UOB KPRUOB KPR

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KPR Calculator

Month Loan Principal Principal Installment Interest Installment Total Installment

Total Payment: IDR 0

Total Interest: IDR 0

Important Notes:

  • The calculation results from this calculator are for simulation purposes only, are non-binding, and do not constitute credit approval.
  • The calculation is limited to the first 12 months; for further details, you can apply through the e-form on the UOB Indonesia website (click here).
  • The actual calculation details will follow the applicable interest rate package stated in the credit agreement and calculations from the bank’s system.
  • Interest rates, loan limits, and tenure may differ based on credit approval, depending on the credit analysis results and applicable credit terms at the time.
  • There are additional fees, including collateral appraisal, provision and administration fees, credit life insurance, fire insurance, notary fees, and other costs related to the mortgage application.

FAQ - How To Apply

Product and Service Information Overview (RIPLAY)
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  1. Prepare your personal documents, financial data, and collateral information.
  2. Apply for a UOB Home Loan through the e-form on the UOB Indonesia website. Click here.
  3. Discuss your home loan needs with a UOB Indonesia Home Loan Specialist.
  4. Explore a variety of property options through Property Agents (Brokers) or UOB Indonesia Partner Developers. Click here.
  5. Wait for information on your home loan application status from a UOB Indonesia Home Loan Specialist.
  1. Indonesian Citizen (WNI).
  2. Individual applicant (not a business entity).
  3. Minimum age of 21 years or married.
  4. Maximum age at the end of the loan tenure: 60 years for employees and 70 years for professionals/entrepreneurs.
  5. Have a minimum net income of Rp13 million per month (main applicant).
  1. Photocopy of Applicant’s and Spouse’s Indonesia Identity Card (KTP).
  2. Photocopy of Family Card (Kartu Keluarga) and Marriage Certificate.
  3. Photocopy of Personal Taxpayer Identification Number (NPWP).
  4. Photocopy of Bank Statement/Savings Account for the last 3 months.
  5. Salary Slip/Income Proof/Annual Personal Income Tax article 21.
  6. Photocopy of Collateral Documents (House Purchase Order/SPR for Developer Purchase or Ownership Certificate, Building Permit/IMB, Sale and Purchase Deed, Latest Land and Building Tax/PBB).
  1. Photocopy of Applicant’s and Spouse’s Indonesia Identity Card (KTP).
  2. Photocopy of Family Card (Kartu Keluarga) and Marriage Certificate.
  3. Photocopy of Personal Taxpayer Identification Number (NPWP).
  4. Photocopy of Company Taxpayer Identification Number (NPWP).
  5. Photocopy of Bank Statement/Savings Account for the last 3 months.
  6. Financial Statement/Income Proof/ Annual Personal Income Tax article 21.
  7. Photocopy of Business License (SIUP), Deed of Establishment, and Amendments.
  8. Photocopy of Collateral Documents (House Purchase Order/SPR for Developer Purchase or Ownership Certificate, Building Permit/IMB, Sale and Purchase Deed, Latest Land and Building Tax/PBB).
  1. Photocopy of Applicant’s and Spouse’s Indonesia Identity Card (KTP).
  2. Photocopy of Family Card (Kartu Keluarga) and Marriage Certificate.
  3. Photocopy of Personal Taxpayer Identification Number (NPWP).
  4. Photocopy of Company Taxpayer Identification Number (NPWP).
  5. Photocopy of Bank Statement/Savings Account for the last 3 months.
  6. Financial Statement/Income Proof/ Annual Personal Income Tax article 21.
  7. Photocopy of Collateral Documents (House Purchase Order/SPR for Developer Purchase or Ownership Certificate, Building Permit/IMB, Sale and Purchase Deed, Latest Land and Building Tax/PBB).
Loan Type Fixed Interest Rate(eff. p.a) Floating Interest Rate (eff. p.a) Minimum Tenure
Primary 4.99% Fix for 3 Years Special Floating 12 Years
6.50% Fix for 5 Years Prime Floating 12 Years
Secondary 5.25% Fix for 3 Years Special Floating 12 Years
6.75% Fix for 5 Years Prime Floating 12 Years
  1. *The BI 12-Month Financial Instrument in Rupiah is the latest auctioned or published rate by BI, currently the SRBI (Securities Rupiah Bank Indonesia), as stated on the BI portal (www.bi.go.id)
  2. *The BI 12-Month Financial Instrument rate will be adjusted every March, June, September, and December on the first business day.
  3. *SRBI 12-month rate as of Agustus 28, 2026: 7,00%
  4. *Reverse Repo SBN 12-month rate as of August 18, 2023: 6,41%
  5. *Floating Counter Rate: 13,99%
  6. *Prime Floating Rate: 12,00%
  7. *Special Floating Rate: 11,00%
  8. *Preferred Floating Rate: 9,50%
  9. *Interest rates are subject to change at any time.
  10. *Terms and conditions apply.
  1. Collateral Appraisal Fee.
  2. Provision and Credit Administration Fees.
  3. Notary Fees.
  4. Life and Fire Insurance Premium Fees.
  1. Additional charges may apply if the loan is repaid before the penalty period stated in the loan agreement ends.
  2. Monthly installments may increase after the fixed/teaser interest period ends.
  3. Late payments will incur penalties and be recorded in the SLIK (Financial Information Service System) of the Financial Services Authority (OJK).
  4. UOB Indonesia has the right to take over collateral ownership if the borrower fails to meet repayment obligations.
  1. The Debtor must submit a written application to the Bank by attaching the Debtor's valid identity.
  2. The repayment process follows the current credit facility repayment provisions at the Bank.
  3. The repayment can be processed on business days with a repayment deadline on the 10th of each month.
  4. In the event that the Debtor makes a partial repayment, it shall be made simultaneously in accordance with the due date of the installment of the Debtor's credit facility and partial repayment can only be made 1 (one) time in a year with a maximum amount of partial repayment of 20 (twenty) percent of the remaining loan.
  5. Early repayment/payment will be subject to repayment administration fee or penalty, the amount of which is as stipulated in the credit agreement.

Find your dream home with UOB Home

Find your dream home with UOB Home

Apply for a home loan at UOB Indonesia

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