Personal Loan Calculator

Calculate personal loan payments with origination fees and debt-to-income analysis

Compliant with Indonesian Banking Regulations (OJK)

Current BI Rate: 5.00% | Suku Bunga Acuan Bank Indonesia

Bank Indonesia reference rate as of August 20, 2025. Loan rates are calculated as BI Rate + spread according to OJK regulations.

Loan Details

Current BI Rate: 5% | Max allowed: 24%

Maximum allowed: 60 months (Indonesian banking regulation)

Fee: Rp 1.500.000

Used to calculate debt-to-income ratio (Max DTI: 40%)

Loan Summary

Loan Amount: Rp 50.000.000
Origination Fee: Rp 1.500.000
Total Cost: Rp 51.500.000
Term: 36 months