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Should you rent or buy with KPR?

Move the sliders to match your situation. Both paths start with the same cash; whoever spends less each year invests the difference. The calculator compares your net worth on the year you plan to move.

Your numbers

Verdict

Net worth if you buy
Net worth if you rent
Buying starts winning
Upfront cash to buy

Net worth over 30 years

Buy (house − loan − selling cost + savings)Rent (invested savings)

Can you afford the KPR?

Loan amount (plafon)
Monthly installment, fixed period
Monthly installment, after floating
Installment ÷ income, fixed
Installment ÷ income, floating
Red line = 35%, a common bank limit.

Where the money goes

Buying costs (BPHTB, PPN, notary & bank)
KPR installments paid
of which interest
PBB, maintenance & IPL
Resale discount when you leave
Selling costs when you leave
Rent paid (if renting)
Rent-to-price ratio
A rent-to-price ratio under about 4% a year usually favors renting.

Year by year

Your move-out year is highlighted. Amounts in Rp juta (jt).

YearKPR rateInstallment / moLoan leftHouse valueOwning cost / yrRent / yrRenter's savingsBuyer's savingsBuy net worthRent net worthBuy − Rent

How it works

Buying: you pay the down payment, BPHTB, PPN and notary/bank fees up front, then the KPR installment, PBB, maintenance and IPL each year. The KPR uses the fixed promo rate first, then the floating rate; the installment is recalculated on the remaining balance when the rate changes. When you move out, you sell at the market value minus the resale discount (the price cut needed to find a buyer, bigger if you must sell fast), then pay selling costs and the remaining loan. What is left, plus any savings, is your net worth.

Renting: you invest the upfront cash instead and pay rent each year. Each year, whichever path costs less invests the difference at the investment return you set (the renter's or buyer's savings). Renting net worth is the renter's savings.

Keep in mind: this only holds if the renter really invests the difference. Example inputs are placeholders, not current bank quotes. Non-financial factors such as stability and freedom to move aren't counted. This is a decision aid, not financial advice.