BRI offers a variety of interest rate programs — Fixed & Floating, Tiered Fixed, and Fixed All Tenor — that can be tailored to your needs and credit period. Promotional interest rates apply according to the currently running program and are subject to change at any time. 

BRI Consumer Expo Mortgage Promo, Sept 2026

BRI offers a variety of mortgage programs with Fixed & Floating, Tiered Fixed, and Fixed All Tenor schemes that can be tailored to your needs and credit period.
Enjoy competitive promotional interest rates, free of provision & administration fees, and various financing conveniences to help realize your dream home together with Mirailand.

BRI KPR Interest Rate Promo

Fixed & Floating Program

• 1.75% fixed for 1 year, minimum tenor 5 years
• 3.00% fixed for 3 years, minimum tenor 12 years
• 3.55% fixed for 3 years, minimum tenor 10 years
• 3.75% fixed for 3 years, minimum tenor 5 years
• 3.25% fixed for 5 years, minimum tenor 15 years
• 4.50% fixed for 5 years, minimum tenor 10 years
• 7.00% fixed for 5 years, minimum tenor 5 years

After the fixed period ends, the interest rate follows the prevailing counter rate.

Tiered Fixed Program

Tiered interest rate options with rate schemes adjusted according to the credit period.
10-Year Tenor

•  Years 1–3: 3.75%
•  Years 4–6: 7.99%
•  Years 7–10: 9.75%
•  Thereafter follows the counter rate

15-Year Tenor

•  Years 1–3: 3.00%
•  Years 4–6: 6.50%
•  Years 7–15: 9.35%
•  Thereafter follows the counter rate

20-Year Tenor

•  Years 1–3: 3.00%
•  Years 4–6: 6.95%
•  Years 7–20: 8.95%
•  Thereafter follows the counter rate

Fixed All Tenor Program

Enjoy a fixed interest rate according to the credit tenor group:

• Tenor 1–5 years: 7.25%
• Tenor 6–10 years: 7.75%
• Tenor 11–25 years: 8.00%

Promo Benefits

• Free of provision & administration fees
• Life insurance discount of up to 33%
•  Promo valid until 30 September 2026

interest rates are indicative and subject to the terms & conditions of the BRI Consumer Expo 2026 promo program.

BRI KPR Products

• BRI KPR Primary — financing for new home purchases through BRI's partner developers. 
• BRI KPR Secondary — financing for secondhand home purchases from developers or non-developers. 
• BRI KPR Top Up — additional credit limit for BRI mortgage customers whose loan has been running for at least one year. 
• BRI KPR Sejahtera FLPP — subsidized home financing for Low-Income Communities (MBR). 
• BRI KPR Green Financing — home financing that meets green financing criteria. 
• BRI KPR Solusi — property financing from assets managed by BRI through auction or private sale. 

Main Advantages

•  Easy and fast application process. 
•  Choice of competitive interest rates. 
•  Financing tenor of up to 20 years. 
•  Down payment starting from 0% (according to program terms). 
•  Includes Credit Life Insurance and Loss/Fire Insurance. 
•  Can use joint income. 
•  Installment payments via Automatic Fund Transfer (AFT) or Automatic Grab Fund (AGF). 
•  Assistance from the Mirailand team from simulation to signing. 

General Requirements

Applicant Criteria

•  Indonesian Citizen (WNI). 
•  Minimum age of 21 years or already married. 
•  Domiciled, working, running a business, or practicing in the area of the BRI branch office where the application is submitted. 
•  Has payment capability and a good credit history. 

Documents to Prepare

•  BRI KPR application form. 
•  ID card (KTP) of applicant and spouse (if married). 
•  Family Card (Kartu Keluarga). 
•  Tax ID (NPWP). 
•  Recent passport photos of husband and wife. 
•  Salary slip or income statement. 
•  Other supporting documents depending on employment type. 
•  Open a BRItama account as the installment payment account. 

Apply for a BRI Mortgage through Mirailand

Use the mortgage simulation to estimate your monthly installments, then consult your financing needs with the Mirailand team. We are ready to assist you from property selection, document completeness checks, and the application process, through to the credit signing.

Official information about the latest products and promos is available on the official BRI KPR website or via BRI Call 1500017.