10 Banks with the Lowest Mortgage Interest Rates: Mostly Regional Banks

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Adi Ahdiat 17/02/2023 11:00 WIB

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Based on OJK data, in October 2022, Bank Multiarta Sentosa had the lowest conventional home loan interest rate among conventional commercial banks.

10 Banks with the Lowest Home Loan Base Interest Rates (October 2022)

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10 Banks with the Lowest Home Loan Base Interest Rates (October 2022)

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According to a report by the Financial Services Authority (OJK), the average base lending rate (SBDK) for home ownership loans (KPR) reached 8.66% in October 2022.

The SBDK is used as the basis for determining the interest rate that banks will charge customers.

However, the SBDK does not yet include the estimated risk premium component, the size of which depends on the bank's assessment of each debtor.

Therefore, the amount of interest charged to the debtor is not necessarily the same as the SBDK.

Based on OJK data, in October 2022, most banks with the lowest KPR interest rates were regional development banks (BPD).

Here is a complete list of the 10 conventional banks with the lowest KPR base lending rates in October 2022:

1. Bank Multiarta Sentosa: 4.9%
2. BPD DI Yogyakarta: 5.18%
3. BPD Bengkulu: 5.48%
4. Bank IBK Indonesia: 5.5%
5. Bank Shinhan Indonesia: 5.59%
6. BPD Jambi: 5.71%
7. BPD Sulawesi Tengah: 5.93%
8. BPD Sulawesi Tenggara: 6.22%
9. BPD Kalimantan Barat: 6.34%
10. BPD Jawa Tengah: 6.66%

In general, Bank Indonesia (BI) predicts that banking institutions will slightly ease the standards for disbursing KPR and apartment ownership loans (KPA) at the beginning of this year.

This is reflected in the BI index for the KPR/KPA Lending Standard in the first quarter of 2023, which is at -0.5.

A Lending Standard index above 0 indicates stricter credit disbursement standards, while an index below 0 or a negative number means the standards are more relaxed.

BI predicts that the easing of credit disbursement will occur in aspects of loan tenure, credit approval fees, and interest rates.

Meanwhile, for credit ceilings, risky credit premiums, and administrative requirements, policies are predicted to become stricter.

Editor : Adi Ahdiat

"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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10 Banks with the Lowest Mortgage Interest Rates: Mostly Regional Banks

10 Banks with the Lowest Mortgage Interest Rates: Mostly Regional Banks

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