BI Rate Rises to 5.75%, Check the Most Stable Mortgage Interest Rates

The Bank Indonesia Board of Governors meeting on 17–18 June 2026 decided to raise the BI Rate by 25 basis points to 5.75%. This increase was accompanied by a rise in the Deposit Facility rate to 4.75% and the Lending Facility rate to 6.50%, which is predicted to impact adjustments in bank lending rates, including mortgages.

This benchmark rate hike serves as a signal for prospective homebuyers and mortgage debtors on floating-rate schemes to recalculate their financial capacity.

Although the transmission of the BI Rate increase to mortgage rates typically involves a time lag, the stability of the Prime Lending Rate (SBDK) at several major banks is now a key market focus.

Based on data compiled as of June 2026, the following is a list of mortgage Prime Lending Rates from major banks showing varying degrees of stability:

*Note: SBDK does not yet include individual debtor risk premium components. The actual interest rate received by customers may differ depending on risk profile and bank policy.

For debtors who have already entered the floating rate period, the interest rate hike will directly affect monthly instalment amounts. Below is a simulation assuming a remaining loan principal of Rp500 million and a remaining tenor of 20 years:

Experts advise debtors to conduct a self-administered stress test on their personal cash flow. If the remaining loan principal reaches Rp1 billion, the potential increase in instalments could be double that of the simulation above.

Customers are also urged to distinguish between promotional (fixed) rates and floating rates to avoid surprises when the fixed-rate contract period ends amid a rising interest rate trend.