KPR Danamon

Danamon KPR product is a financing facility issued by PT Bank Danamon Indonesia Tbk with collateral property, with an installment period of at least 1 (one) year and a maximum of 20 (twenty) years. The interest rate of Danamon KPR products is fixed in a certain period, then fluctuating in the next period (the terms of the period and interest rates can vary according to the type of product and financing objectives).

1. House Ownership Loan (KPR)

The benefits of Danamon KPR are to assist customers in financing the purchase of houses, shop houses, apartments, house renovations, house construction, villas, with property, through a variety of product choices and characteristics.

a. KPR Danamon 

Financing for the purchase of houses / shop houses / business houses / business houses / dormitories both new and used, as well as buildings under ready stock and indent conditions. Maximum loan of IDR 15 billion and installment period of 1 - 20 years *.

b. Apartment Ownership Credit (KPA)

Financing for the purchase of apartments / SOHO (Small Office Home Office) / Condotel / Kiosk / Town House Strata Title / Ruko Strata Title / Condominium both new and used, as well as buildings in ready stock and indent conditions. Maximum loan of IDR 8 billion and installment period of 1 - 15 years *.

c. House Renovation and Building Credit (KPPR)

Loans are given for the purpose of building or renovating residential houses, shop houses / offices / apartments in the area. Maximum loan of IDR 15 billion and installment period of 1 - 10 years *.

d. Ready-to-Build Lots (KSB)

Loans provided for the purpose of purchasing lots where above the lots will be built houses. KSB is only given to the developers of Top Tier and Mid Tier categories. Maximum loan of 15 billion and installment period of 1-7 years *.

*)May change as in accordance with the policy of Bank Danamon.


House Ownership Loan Simulation
The currency used is in Rupiah.

Product Name

Home Ownership Loan (KPR)

Max Loan Ratio to Property / Asset Value

70% (according to applicable Bank Indonesia regulations)

Monthly Net Income (IDR)

8,000,000

Asset/Property Value (IDR)

300,000,000

Loan

210,000,000

Down Payment (IDR)

90,000,000

Loan Term (Year)

15

 

Product Name

Home Ownership Loan / Kredit Pemilikan Rumah

Max Loan Ratio to Property / Asset Value

70% (according to applicable Bank Indonesia regulations)

Asset/Property Value (IDR)

300,000,000

Down Payment (%)

30%

Down Payment

90,000,000

Loan Amount

210,000,000

Interest Rate (%)

8%

Loan Term (year)

15

Amount of Installments

2,006,869

Loan Ratio to Property / Asset Value

70% / LTV is OK

Loan Ratio to Income

25% / DBR is OK

 

Year

Installment

Remaining Loan

Interest Paid

Remaining Loan

1

2,006,869

202,444,521

16,526,954

202,444,521

2

2,006,869

194,261,941

15,899,853

194,261,941

3

2,006,869

185,400,211

15,220,703

185,400,211

4

2,006,869

175,802,962

14,485,183

175,802,962

5

2,006,869

165,409,146

13,619,324

165,409,146

6

2,006,869

154,152,648

12,750,891

154,152,648

7

2,006,869

141,961,867

11,891,651

141,961,867

8

2,006,869

128,759,256

10,879,822

128,759,256

9

2,006,869

114,460,836

9,784,012

114,460,836

10

2,006,869

98,975,654

8,597,250

98,975,654

11

2,006,869

82,205,209

7,311,988

82,205,209

12

2,006,869

64,042,825

5,920,049

64,042,825

13

2,006,869

44,372,973

4,412,580

44,372,973

14

2,006,869

23,070,532

2,779,992

23,070,532

15

2,006,869

(0)

1,011,900

(0)