Quoting The Amount Of The 2023 KPR Interest Rate At Himbara Bank, Which Is The Lowest?

Illustration of KPR (Photo: Special)

YOGYAKARTA The Home Ownership Credit (KPR) interest rate is an important matter to consider before buying housing. The reason is, the mortgage interest rate will affect the amount of installments that must be paid to the credit-giver bank. So, how much is the 2023 mortgage interest rate?

For information, the Meeting of the Board of Governors of Bank Indonesia on August 22-23, 2023 decided to maintain the benchmark interest rate or BI 7-day reverse repo rate (BI7DRR) at 5.75 percent, the deposit facility interest rate at 5 percent and the lending lending facility rate at 6.5 percent.

This policy can be used by debtors to submit mortgages to banks so that the number of installments becomes lighter.

Please note, each bank has different mortgage interest rates, so you must be able to choose the right mortgage interest rate.

Well, for those of you who want to apply for home ownership credit, VOI has summarized a number of Himbara banks (State-Owned Banks Association) that offer low mortgage interest rates as of August 2023. Here are the details:

1. BTN mortgage interest rate

The mortgage interest rate offered by the State Savings Bank (BTN) as of August 2023 is quite low. This bank offers subsidized mortgages with a fixed rate of 5 percent.

Meanwhile, non-subsidized mortgages with floating interest rates are currently still above the basic lending rate (SDBK) of 7.30 percent.

2. BNI mortgage interest rate

Bank BNI provides a cost-consumptive profit financing service. This service is called BNI Griya.

This product has a long tenor of up to 30 years and an effective interest rate of up to 20 years. The following is a breakdown of the amount of installments for up to 20 years with effective interest rates offered by BNI Griya:

As for the tenor that applies to a minimum tenor of 10 years, including:

3. Bank Mandiri mortgage interest rate

In early 2023, Bank Mandiri had several mortgage interest promos, such as:

In addition, Bank Mandiri also issued a mortgage with a tiered interest rate of 10 years with the following details:

4. BRI mortgage interest rate

The lowest mortgage interest offered by BRI is 1.27 percent during the first year of credit. Next, BRI also offered KPR with fixed interest of 2.77 percent for a 2 year tenor, 3.1 percent for a 3 year tenor, and 4.57 percent for a 5 year tenor.

This is information about the 2023 mortgage interest rate at Himbara Bank. Get other selected news updates only on VOI.ID.