UOB

UOB Indonesia is part of United Overseas Bank, a banking group with a strong ASEAN regional network. UOB's KPR offers long tenors and transparent interest calculation — together with Mirailand's team support.

UOB KPR Promo Sept 2026

NO WORRIES ABOUT FLOATING RATES

Enjoy a choice of UOB KPR interest rate schemes, with more flexible fixed rate and floating options.

🏡 PRIMARY MARKET

Option 1 — 3-Year Fixed

3.70%

Followed by Special Floating Rate
Option 2 — 5-Year Fixed

4.70%

Followed by Prime Floating Rate
Option 3 — SRBI-Based

12-Month SRBI + 2.25%

Free Early Repayment Penalty

🏠 SECONDARY MARKET / TAKE OVER / TAKE OVER + TOP UP

Option 1 — 3-Year Fixed

5.25%

Followed by Special Floating Rate
Option 2 — 5-Year Fixed

6.75%

Followed by Prime Floating Rate
Option 3 — SRBI-Based

12-Month SRBI + 2.50%

Free Early Repayment Penalty

MORTGAGE TENOR

Up to 30 years for employees
Up to 20 years for self-employed individuals
💰 Interest paid down to Rp0

TAKE OVER & SECONDARY PROMO

✅ Free appraisal for Take Over
✅ Free appraisal for Secondary KPR/KPA & Take Over in certain areas
✅ Cashback on admin fees & provision up to 100%

🎁 UOB 70th Birthday 2026

Primary / Secondary / Take Over / Take Over Sale & Purchase
Minimum tenor 15 years
3-Year Fixed — 3.70%
Free Early Repayment Penalty Promo
Option 1:
SRBI + 2.50%
Minimum tenor 1 year
Option 2 — FLEXI KPR:
SRBI + 2.75%
Minimum tenor 3 years
📞 KPR information & simulation:
Fatma — UOB
0818-0401-2296
Rates and programs are subject to UOB's terms applicable at the time of application. SRBI is a benchmark interest rate that may change according to market conditions. For the latest rate information, please refer to Bank Indonesia publications.

General Requirements

Applicant Criteria

• Indonesian citizen (WNI) and domiciled in Indonesia.
• Permanent employees aged 21–55 years; self-employed individuals or professionals up to age 65 when the KPR is fully repaid.
• Have a fixed income and a good credit history.

Documents to Prepare

• Employees: ID card (KTP), Family Card (Kartu Keluarga), NPWP, salary slips, and the last 3 months' bank statements.
• Self-employed: the above documents plus a business license (SIUP), deed of establishment, and the last 6 months' business account statements.
• Professionals: personal documents plus a practice license and the last 3 months' bank statements.

Apply for a UOB KPR through Mirailand

Use the KPR Simulation on this page to estimate your monthly installment, then contact the Mirailand team for assistance with the application — from choosing a property and completing documents, through to the signing process. Official product information is available at uob.co.id or through UOB Call 14008.