After Mortgage is Paid Off, Certificate Roya Fee is Only Rp 50,000
JAKARTA, KOMPAS.com - After the home ownership credit (KPR) instalments are fully paid, homeowners still need to process the roya certificate so that the bank’s mortgage notation is officially removed at the Land Office (Kantah).
This process is important to ensure that the land or house certificate is clean again and no longer recorded as credit collateral.
In addition to the process and requirements, the cost of processing roya is also something frequently asked by the public.
According to the Ministry of Agrarian Affairs and Spatial Planning/National Land Agency (ATR/BPN) website and the Sentuh Tanahku application, the roya fee charged to the public is Rp 50,000 for each land certificate.
For information, roya is the crossing out of the mortgage on the land book and certificate after the debt secured by it is declared paid off.
The Head of Public Relations and Protocol Bureau of the Ministry of ATR/BPN, Shamy Ardian, confirmed this, as quoted by Kompas.com on Wednesday (13/5/2026).
“Roya is an official document showing that you are free from housing credit debt obligations. This document is issued as proof that the Mortgage on a piece of land has been cancelled,” Shamy said.
Article 18 states that one cause for the extinction of the Mortgage is the full payment of the debt secured by that Mortgage.
Furthermore, Article 22 regulates that after the Mortgage is extinguished, the Land Office will cross out the Mortgage notation in the land book and its certificate.
This crossing out is carried out for the orderly administration of land.
Before processing roya, the public needs to prepare several required documents. These documents include the following:
For legal entities, the applicant also needs to attach a photocopy of the deed of establishment and approval of the legal entity. In addition, the applicant is asked to prepare data related to personal identity as well as information on the area, location, and use of the land for which roya is requested.
Roya processing is done by submitting an application at the Land Office service counter while bringing all the required documents.
Next, the Land Office processes the recording of the right in the book and issues a land certificate that is clean from the Mortgage notation.
After the process is complete, the applicant can collect the certificate at the service counter. The estimated processing time for roya is around five working days since the documents are declared complete by the Land Office service officer.