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PermataKPR Bijak

A profitable synergy between Home Ownership Loan (KPR) and saving accounts

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Home Ownership Loan (KPR) and a saving account all at once provide opportunities to enjoy up to 0% interest by increasing your saving balance. 75% of the total saving balance is calculated as a deduction for the loan principal in calculating Home Ownership Loan. Get a low fee and interest discount up to 1.25% of normal interest (after fixed period) with PermataKPR Payroll.

What are the Benefits?

Flexible

Flexible

Flexible in arranging repayment time based on savings and abilities

Low-Interest rates

Low-Interest rates

Get the lowest interest you want, up to 0%

Low-Interest Expense

Low-Interest Expense

Reduce the Home Ownership Loan interest rate by increasing your saving balance

Economical

Economical

75% of the total saving balance is calculated as a deduction for the loan principal

Free Transaction Fee

Free Transaction Fee

Enjoy free transaction fee with all PermataBank services

What are the Cost and the Interest Rate?

Provision Fee

Administration Fee

Life and Fire Insurance Premium

Notary fee

Monthly Administration Fee

Provision Fee (for Payroll Customer)

Monthly Administration Fee (for Payroll Customer)

Interest (for Payroll Customer)

1% from credit limit

0.1% of the credit limit or minimum IDR 400,000

According to the regulation from our partnered insurance companies

According to the regulation from our partnered notary

IDR 20,000 per month

Discount up to 50% on provision fees

Free Monthly Administration Fee

Discounted interest up to 1.25% of the normal interest or margin (after the fixed period), according to PermataKPR product that you choose

What are the Requirements?

Indonesian citizen domiciled in Indonesia

Indonesian citizen domiciled in Indonesia

Minimum age of 21 years old

Minimum age of 21 years old

Complete administrative requirements

Complete administrative requirements

Individual (not a business entity)

Individual (not a business entity)

Do You Need Loan Cost Information?

We provide you the calculation of loan cost you would spend

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Any Question?

We're ready to assist the complaints or any other question you might have

Other Products

A facility that connects your family savings account with Home Ownership Loan

PermataKPR Keluarga

Flexible credit facility where the interest is paid according to usage

PermataHome Ready Cash

PermataKPR Bijak

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