Interest-only repayments on a Rp 3.000.000.000 loan — Indonesia
At 9% over 30 years with a 5-year interest-only period:
- Interest-only repayment: Rp 22.500.000 a month
- Reverts to: Rp 25.175.891 a month
- Payment jump: Rp 2.675.891 a month
- Extra interest vs P&I: Rp 212.843.010
Frequently asked questions
What are interest-only repayments on a Rp 3.000.000.000 loan?
At 9%, about Rp 22.500.000 a month. Nothing comes off the balance, so you still owe Rp 3.000.000.000 when the interest-only period ends.
How much does the repayment jump?
By about Rp 2.675.891 a month after a 5-year interest-only period, because the full Rp 3.000.000.000 must then be repaid over the remaining 25 years.
What does it cost overall?
About Rp 212.843.010 more interest over the life of the loan than paying principal and interest from the start.
Compare with principal & interest on the same loan
Estimate only. Assumes a fixed rate and no fees; lenders often price interest-only higher. Not financial advice.