Kalkulator KPR Bank Mandiri
Hitung cicilan KPR Bank Mandiri dengan SBDK terkini. Gratis, tanpa daftar.
fin·calc is an independent, unaffiliated calculator — not endorsed by, sponsored by, or affiliated with Bank Mandiri. "Bank Mandiri" is used only to describe typical rates and terms; confirm actual terms directly with the bank.
Suku bunga KPR Bank Mandiri
| Bank | SBDK KPR | Tenor maks |
|---|---|---|
| Bank Mandiri | 12.50% (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 Bank Mandiri dengan bunga 12.50% selama 20 tahun:
- Cicilan/bulan: Rp 11,361,405
- Total bunga: Rp 1,726,737,319
- Total dibayar: Rp 2,726,737,319
Frequently Asked Questions
Berapa suku bunga KPR Bank Mandiri?
SBDK KPR Bank Mandiri sekitar 12.50% (data Oktober 2025). Verifikasi rate terkini dengan bank.
Bagaimana menghitung cicilan KPR Bank Mandiri?
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.
Bank Mandiri KPR Rates in 2026
Bank Mandiri prices its KPR relative to Bank Indonesia's BI 7-Day Reverse Repo Rate (5.75%, 19 August 2026). Bank Mandiri's "KPR Bunga Spesial" rate card (valid through 30 September 2026) lists a Gold tier starting at 2.70% fixed for 1 year (minimum 5-year tenor), with Silver and Bronze tiers running higher.
Worked Example: Mandiri KPR at the 2.70% Fixed-Year-1 (Gold) Rate
Rp400,000,000 at 2.70% over 5 years (60 months): r = 0.027/12 = 0.00225, (1+r)60 ≈ 1.14437.
M ≈ Rp7,133,500 per month during the fixed year.
Frequently Asked Questions
What is Bank Mandiri's cheapest KPR rate as of 2026?
As of Bank Mandiri's own rate card (valid through 30 September 2026), its lowest published rate was 2.70% effective p.a. (Gold tier), fixed for the first year, requiring a minimum 5-year loan tenor.
Does Bank Mandiri's KPR rate stay the same for the whole loan term?
No. Bank Mandiri's promotional rates are fixed only for an introductory period, after which the loan converts to Bank Mandiri's prevailing floating rate.
How does Bank Indonesia's rate affect Bank Mandiri's KPR pricing?
Bank Mandiri sets its floating and post-promotional rates with reference to the BI 7-Day Reverse Repo Rate (5.75% as of August 2026) plus a bank margin.