Bali Mortgage Calculator | Plan Your Property Financing

Loan Type Choose the loan structure that matches your financing

🔒

Fixed Rate

Rate locked for full term

📈

Variable Rate

Rate adjusts with market

💸

Interest Only

Pay interest, no principal

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Split Loan

Part fixed, part variable

Property & Loan Details Enter your property value and financing structure

Property Price ?

Down Payment

30%

Down Payment Amount

Loan Amount

Annual Interest Rate ?

8.5%

Loan Term

20 yrs

Additional Acquisition Costs One-time fees and taxes included in total cost calculations

Notarial / Legal ?

Bank Processing Fee

Property Valuation

Stamp Duty (BPHTB)" ?

Income Tax (PPh) — Seller ?

Extra Monthly Repayments See how additional payments reduce your term and total interest

Make extra monthly payments

Reduce loan term and total interest significantly

Rental Income vs. Repayments Does rental income cover your mortgage? What's left over?

Estimated Monthly Rental Income

Monthly Operating Costs

Loan Visualisation

Year-by-Year Amortisation Payback milestone rows highlighted

Year	Opening Balance	Annual Payment	Principal Paid	Interest Paid	Closing Balance	Equity %

Loan Term Comparison Same loan — different terms. See the cost of time.

Smart Borrowing Tips

Larger Down Payment

Every extra 5% down payment reduces total interest by roughly Rp 80-150M over the life of the loan.

Extra Repayments

An extra Rp 5M per month on a 20-year loan can save up to 4 years and Rp 400M+ in interest.

Rate Negotiation

Rates are negotiable in Indonesia. A 0.5% reduction saves Rp 200-400M over a 20-year term.

Refinance Early

Refinancing after 3-5 years when LTV improves can unlock rates 1-2% lower than initial terms.

Live Mortgage Results

Monthly Repayment

—

per month · principal + interest

Rental Coverage of Repayment

0%50%100%150%+

Loan Amount—

Down Payment—

Interest Rate—

Loan Term—

Total Repaid—

Total Interest Paid—

Interest as % of Loan—

Total Acquisition Cost—

Monthly Net Cash Flow—

Break-even Rental Rate—

Years Saved (extra pmts)—

Interest Saved (extra pmts)—

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Calculating…

Adjust your loan details above to see the full analysis.