KPR - Take Over

Balance Transfer

The Balance Transfer Program is a loan take-over program for individual KPR from other banks or developers with a type of collateral in the form of House/Office-House/ Apartment in the condition of 100% finished building. The maximum loan is amounting to the remaining outstanding loan in the original bank and is not treated as a new credit/financing.

Balance Transfer + Top Up

The Balance Transfer Program is a loan take-over program for individual KPR from other banks or developers with a type of collateral in the form of House/Office-House/ Apartment in the condition of 100% finished building. The loan is amounting to the remaining outstanding loan plus fresh funds in accordance with the customer FTV (Financing to Value) ratio. Top Up facilities are treated as new credit/financing.

Take Over Simulation Currency used is in rupiah.

Type of Loans

Balance Transfer+ Top Up

Total Outstanding

IDR 342.000.000

Total Loan

IDR 500.000.000

Total Top Up

IDR 158.000.000

Tenor

15 Years

Interest Rate

7.99%

Total Installments

IDR 4.775.374


Simulation of the number of years, interest paid & remaining installments

ANNUALLY

Year

Interst Paid

Remaining Installment

1

IDR 39.300.145

IDR 481.995.653

2

IDR 37.807.730

IDR 462.498.890

3

IDR 36.191.606

IDR 441.386.003

4

IDR 34.441.518

IDR 418.523.029

5

IDR 32.546.362

IDR 393.764.898

6

IDR 30.494.113

IDR 366.954.518

7

IDR 28.271.748

IDR 337.921.774

8

IDR 25.865.168

IDR 306.482.449

9

IDR 23.259.102

IDR 272.437.059

10

IDR 20.437.014

IDR 235.569.580

11

IDR 17.380.998

IDR 195.646.085

12

IDR 14.071.662

IDR 152.413.255

13

IDR 10.488.009

IDR 105.596.772

14

IDR 6.607.301

IDR 54.899.580

15

IDR 2.404.913

IDR 0