Kalkulator KPR BRI
Hitung cicilan KPR BRI dengan SBDK terkini. Gratis, tanpa daftar.
fin·calc is an independent, unaffiliated calculator — not endorsed by, sponsored by, or affiliated with BRI (Bank Rakyat Indonesia). "BRI (Bank Rakyat Indonesia)" is used only to describe typical rates and terms; confirm actual terms directly with the bank.
Suku bunga KPR BRI
| Bank | SBDK KPR | Tenor maks |
|---|---|---|
| BRI | 10.00% (Okt 2025) | hingga 20–25 tahun |
Referensi 2026 — bunga sering fixed beberapa tahun lalu floating. Verifikasi dengan bank.
Contoh perhitungan
KPR Rp 1.000.000.000 di BRI dengan bunga 10.00% selama 20 tahun:
- Cicilan/bulan: Rp 9,650,216
- Total bunga: Rp 1,316,051,948
- Total dibayar: Rp 2,316,051,948
Frequently Asked Questions
Berapa suku bunga KPR BRI?
SBDK KPR BRI sekitar 10.00% (data Oktober 2025). Verifikasi rate terkini dengan bank.
Bagaimana menghitung cicilan KPR BRI?
Metode anuitas (saldo menurun). Masukkan jumlah pinjaman, bunga, dan tenor di kalkulator.
Apa itu KPR Subsidi (FLPP)?
Program pemerintah bunga tetap rendah (~5%) untuk rumah pertama berpenghasilan rendah, dengan batas harga dan penghasilan.
Berapa uang muka KPR?
BI mengizinkan LTV hingga 100% (2026), DP bisa 0%, namun DP lebih besar menurunkan cicilan.
BRI KPR Rates: The 2026 Picture
Bank Rakyat Indonesia (BRI) prices its KPR against Bank Indonesia's BI 7-Day Reverse Repo Rate (5.75% as of 19 August 2026) plus its own margin. At BRI's Consumer Expo (24-26 April 2026), BRI advertised a special rate of 1.75% effective p.a. fixed for the first year, requiring a minimum 5-year tenor.
Worked Example: BRI KPR at the 1.75% Fixed-Year-1 Rate
Rp400,000,000 at 1.75% over 5 years (60 months): r = 0.0175/12 = 0.00145833, (1+r)60 ≈ 1.09137.
M ≈ Rp6,965,900 per month during the fixed year.
Frequently Asked Questions
What is BRI's cheapest advertised KPR rate in 2026?
As of BRI's Consumer Expo program (24 April 2026), BRI's lowest published rate was 1.75% effective p.a., fixed for the first year, with a minimum 5-year loan tenor.
Does BRI's KPR rate change after the fixed period?
Yes. All of BRI's published fixed-rate tiers convert to a floating rate or a higher tiered fixed rate once the initial fixed period ends.
Is BRI's KPR rate linked to Bank Indonesia's benchmark rate?
Indirectly. BRI's floating and post-promo rates reference the BI 7-Day Reverse Repo Rate (5.75% as of August 2026) plus BRI's funding cost and margin.