FinancingMortgageInterest RatesFixed vs FloatingKPR
KPR Strategies for 2025: Fixed vs Floating Rates in High-Rate Environment
Choose the right mortgage strategy: fix your rate for stability or go floating for flexibility—optimize tenure, DP, and prepayment to protect cash flow.
Septianus Angga Wicaksono
January 2, 2025
7 min read
When rates are elevated, fixed KPR stabilizes cash flow while floating offers flexibility to benefit from future cuts. Optimize down payment and tenor to keep DSR healthy. Always simulate worst-case floating scenarios and maintain an emergency buffer to avoid distress.
#KPR #Mortgage #InterestRates #FixedRate #FloatingRate #CashFlow