Check The Lowest KPR Interest Tribes From Various Banks, BCA And BRI Offer Promos This Year

Illustration of KPR (Photo: Doc. Antara)

YOGYAKARTA - Home Ownership Loans (KPR) are payment schemes that many people choose to own. Purchase of houses using mortgages is considered lighter. Banks will offer different mortgage interest rates for each type of bank.

There are two types of interest rates in the mortgage installment scheme, namely fixed and floating rate. These two types of interest rates must be understood by debtors or people who will take mortgages.

Fixed rate is an interest rate that is not fixed or will not change over a certain period of time. Meanwhile, the floating rate rate tends to increase due to following the basic interest rate of Bank Indonesia (BI).

Knowing fixed interest rates and floating rates will help you to find out the required funds and periodic expenses when taking KPR. The fixed interest rate is quite varied starting from 3%, while the floating rate is in the range of 10%.

The 2022 KPR interest rate has indications of an increase, but it seems that the increase is not too big. The increase occurred due to the increase in the benchmark interest rate. The increase in the price of floating flowers must be taken into consideration and preparation when they want to take the mortgage.

Bank Mandiri offers 4 mortgage features, namely Mandiri KPR Flexible, Mandiri KPR Top Up, Mandiri KPR Anggran berjenjang, independent KPR Tak Over. The mortgage provided has a loan tenor of up to 20 years. The interest rate is 3.99% fixed 1 year to 5.50% fixed 10 years.

BNI BUMN banking provides mortgage facilities, namely BNI Griya. The BNI mortgage system provides consumptive financing, such as housing purchases, apartment construction, renovations, take over property (ruko, villa, plot land, apartments). This mortgage offers an interest rate of 6.75 percent with a maximum credit of Rp. 20 billion. The requirements for taking the mortgage are 21 years old and paying an administration of Rp. 750 thousand - Rp. 2 million.

BCA offers low KPR interest rates every year. The KPR service is provided for the purchase of houses, shop houses, or apartments. BCA Expo Hybrid 2022 offers a special mortgage interest rate of 3.85% eff.p.a (minimum effective per year). The BCA mortgage also facilitates home renovation and refinancing.

The mortgage offered by BRI has a fixed interest rate of 4.99 percent for the first 3 years. While the floating interest rate is around 13 percent. In the near future, BRI offers interest rate promos starting from 2.88 percent fixed 1 year. BRI also provides special programs specifically for the TNI, ASN, and POLRI with floating starting from 9.5 percent p.a.

CIMB Niaga provides KPR Xtra CIMB with loans ranging from Rp. 100 million to Rp. 300 billion, with a tenor of 25 years. You can apply for collateral in the form of houses, apartments, shop houses, to land. The fixed and floating interest rates offered start from 4.5 percent effective per year.

Danaman provides non-employment mortgages with a maximum loan of IDR 15 billion for a period of up to 20 years. While the minimum tenor is only one year. In addition, the Apartment Ownership Loan (KPA) program provides a minimum loan value of IDR 8 billion with a installment of 15 years.

BTN offers insurance and VAT premiums through the BTN Subsidy KPR program. This program is intended to help the poor buy landed houses and flats with low interest expense. The down payment offered starts from 1 percent and the fixed bungan rate is 5 percent. The long installment period is 20 years with an administrative cost of IDR 250 thousand.

That is the KPR interest rate offered by several banks in Indonesia. Each bank provides programs and services that are different, as well as different bungan fixed and floating tribes as well.

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