Kalkulator Properti & KPR

DNx Apps

Contains ads

About this app

⚠️ DISCLAIMER:
This application is NOT an official government application and does NOT represent any government entity (including the Ministry of ATR/BPN or the Directorate General of Taxes). This application is an independent calculator tool to help simulate property transaction estimates.

🌐 OFFICIAL GOVERNMENT SOURCES:
The PNBP and taxation rates information in this application refers to the official regulations of the Republic of Indonesia government:
• Ministry of ATR/BPN: https://www.atrbpn.go.id
• Directorate General of Taxes (Property Income Tax): https://pajak.go.id
• BPK RI Official Regulation Database: https://peraturan.bpk.go.id
• JDIH Ministry of Finance of the Republic of Indonesia: https://jdih.kemenkeu.go.id

---
Property Calculator is the most comprehensive property financial and legal application to help you calculate all property transaction costs in Indonesia quickly, accurately, and practically.

🏠 KEY FEATURES OF THE PROPERTY CALCULATOR:

1. CERTIFICATE TRANSFER CALCULATOR (SALE, PURCHASE, GRANTS, & INHERITANCE)
Calculate a complete breakdown of all land and building transfer costs:
• Buyer's Tax (5% BPHTB) with automatic adjustment of the NPOPTKP.
• Seller's Tax (2.5% Final Income Tax for sales and purchases, 0% PPh FREE for blood donations and inheritances).
• Estimated PNBP Transfer Fee at the Land Office based on the land's NJOP (Value-Based Land Registration).
• Notary/PPAT Deed Fee (AJB, Grant, or Joint Property Rights Distribution APHB).
• Certificate Checking & Tax Validation Fee.
• Complete with Procedure Flow Guide & Physical Document Checklist!

2. MORTGAGE SIMULATION (HOME OWNERSHIP LOAN)
Plan your dream home's monthly installments:
• Monthly principal and interest installments with fixed and floating interest rates.
• Quick down payment presets (0%, 5%, 10%, 20%, 30%).
• Flexible terms from 5 to 30 years.
• Complete Annual Amortization Schedule (remaining principal and interest portion).
• Recommended Minimum Salary based on the Debt Service Ratio (DSR 30% - 40%).

3. ALL-IN COST OF BUYING A HOUSE (CASH READY)
Know your total cash capital before the property agreement/transaction:
• Down Payment (DP).
• Legal Fees: Land and Building Tax (BPHTB), Land Deed (PPAT), Land and Building Tax (PNBP BPN), and Certificate Check.
• Mortgage Bank Fees: Bank Provision (1%), Administration Fee, Life Insurance, Fire Insurance, and APHT.
• Total Cash (Cash Ready) to ensure your funds are secure on the contract day!

4. PROPERTY INVESTMENT RENTAL YIELD & ROI ANALYSIS
Analysis of the feasibility of rental property investments (houses, boarding houses, shophouses, apartments):
• Gross Rental Yield & Net Rental Yield.
• Payback Period (estimated return on investment from rent).
• Property Market Recommendation Score & Status.

5. AUTOMATIC HISTORY & COMPLETE GUIDANCE
• Every calculation is automatically saved in the History tab on your device.
• Share simulation summaries with clients or family via WhatsApp.
• A How-To Guide button on every calculator page.

💡 ADVANTAGES:
✓ Accurate calculations in accordance with Indonesian tax regulations and public cost standards.
✓ Clean, modern design, and incredibly easy to use.
✓ Data is securely stored offline on your device (no account login required).

What’s new

Perbaikan tautan referensi & optimasi simulasi biaya properti