Calculate monthly mortgage payments, total interest, and the installment-to-income ratio before deciding on a house price.
Monthly instalment
Rp 7.416.099
180 months, fixed rate 7,5% per year
A ratio of 37,1% is already heavy. Consider a lower price, a larger down payment, or a longer tenor with the risk of higher total interest.
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Generally, total installments are allowed up to 30–35% of monthly income. If the calculator flags a number above that, banks are likely to reject or approve with a longer tenor.
A short tenor saves interest but has larger installments. A long tenor maintains cash flow but total interest can nearly match the principal. Choose one that keeps the installment ratio below 30%.
Because after the fixed period, installments can rise without a clear upper limit. While interest is fixed, set aside the difference as a buffer.
Calculator results are educational estimates, not an offer or financial advice.
