Mortgage Interest Rates of 5 Major Indonesian Banks until May 2025

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Erlina Fury Santika 02/06/2025 14:21 WIB

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Following Bank Indonesia's (BI) benchmark interest rate cut at the end of May 2025, ideally, mortgage interest rates at several banks should decrease. This is a list of the Housing Loan Base Rates (S

Base Rate Percentage for Rupiah-denominated Consumer Mortgage Loans (KPR) of 5 Banks in Indonesia (April-May 2025)

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Mortgage Interest Rates of 5 Major Indonesian Banks until May 2025

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Base Rate Percentage for Rupiah-denominated Consumer Mortgage Loans (KPR) of 5 Banks in Indonesia (April-May 2025)

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Bank Indonesia (BI) cut its benchmark interest rate by 25 basis points (bps) to 5.5% on May 21, 2025.

Simultaneously, a 25 bps reduction was also applied to the deposit facility rate, which became 4.75%, and the lending facility rate, which became 6.25%.

The BI's benchmark interest rate cut was welcomed by the banking industry. According to Harian Kompas, the policy of easing the benchmark interest rate and lowering the guarantee interest rate is expected to trigger a decrease in lending interest rates.

Ideally, this decrease will also occur in the home ownership loan (KPR) segment. KPR interest rates are based on the base lending rate (SBDK) issued by banks to customers.

Five large Indonesian banks, including Bank Mandiri, BCA, BRI, BNI, and BTN, have determined their SBDK for the April-May 2025 period. Of these, Bank Mandiri had the highest KPR interest rate at 12.5% per year, effective April 30, 2025.

Next was BRI at 10%, followed by BCA at 9.35% and BNI at 9.10%. The lowest was BTN at 8.04% per year.

It should be noted that the SBDK does not yet include the estimated risk premium component, the size of which depends on the bank's assessment of the risk of each debtor or group of debtors. Therefore, the amount of credit interest charged to debtors is not necessarily the same as the SBDK.

The following is a list of KPR interest rates for 5 large Indonesian banks and their effective dates:

Bank Mandiri: 12.50% as of April 30, 2025
BRI: 10% as of May 1, 2025
BCA: 9.35% as of May 31, 2025
BNI: 9.10% as of May 7, 2025
BTN: 8.04% as of May 1, 2025.

(Read: Global Conditions Begin to Improve, BI Cuts Interest Rate to 5.5% in May 2025)

Editor : Erlina Fury Santika

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."

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Mortgage Interest Rates of 5 Major Indonesian Banks until May 2025

Mortgage Interest Rates of 5 Major Indonesian Banks until May 2025

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