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What is the Meaning of OTR and OTR Price in Vehicle Credit?

09 April 2025
Apa itu Arti OTR dan Harga OTR pada Kredit Kendaraan?

When you are about to buy a vehicle, you must have heard the term OTR. This term is often encountered when you read brochures from showrooms or dealers. So what is OTR actually? For more details, let's take a look at the review below.

What is OTR and OTR Price on Vehicle Credit? Here’s the Explanation!

OTR stands for on the road. This term is usually used to refer to the purchase price of a car complete with its important documents. So the vehicle buyer will receive the BPKB, TNKB, and STNK. The purchased vehicle is also officially registered with the police, either with Polri or Samsat up to Dispenda. 

Meanwhile, the OTR (On The Road) price is the price that includes the selling price or purchase price of the vehicle plus the costs of important document completion (valuable documents such as BPKB and STNK). In addition, the OTR price also includes the taxes that must be paid. 

So in conclusion, motor vehicle buyers can immediately use the purchased vehicle for driving. Buyers will also not incur additional costs after purchasing the vehicle at the OTR price. 

However, the term OTR is not only used for on the road. It turns out that OTR can also mean off the road. For the term OTR (Off The Road), it means the price of motor vehicles sold by dealers or showrooms does not include the costs of processing important vehicle documents. Thus, buyers must incur additional costs or other funds to process the BPKB and STNK to obtain the TNKB. 

Read Also: Car Credit Simulation – New, Used, Sharia and Prices

Advantages and Disadvantages of OTR (On The Road) Price

Here are the advantages of purchasing motor vehicles at the on the road price.

  1. The price already includes the vehicle along with its documents.
  2. Buyers do not need to hassle with processing important vehicle documents such as STNK, BPKB, and TNKB. Here, the dealer or showroom takes care of it, making it very time-efficient.
  3. The purchased vehicle can be driven immediately.

Here are the disadvantages of purchasing motor vehicles at the on the road price.

  1. OTR (On The Road) prices vary by region.
  2. The costs you have to pay are higher than the off the road price.

Advantages and Disadvantages of OTR (Off The Road) Price

Here are the advantages of purchasing motor vehicles at the off the road price.

  1. The price is cheaper compared to the on the road price because you only pay the purchase price of the motor vehicle.
  2. The price is almost the same in various regions, making it a benchmark.

Here are the disadvantages of purchasing motor vehicles at the off the road price.

  1. It is not time-efficient because you have to go to Samsat to process important vehicle documents such as STNK and BPKB.
  2. Motor vehicles cannot be driven or used immediately after the purchase process.

Read Also: Car Credit Requirements and Rules to Understand

Reasons Behind the Different OTR Prices in Each Region

Here are some reasons that underlie the different OTR prices in each region.

  1. OTR prices are influenced by market prices in a region. These prices are affected by the use of service bureaus used by dealers or showrooms. As is known, service bureaus such as (Samsat, Dispenda, Polres) in each region have different rates. This causes the total OTR costs to vary in each region.
  2. OTR prices are also influenced by NJKB (Motor Vehicle Selling Value).
  3. OTR prices are also influenced by tax costs such as PKB and SW Jasa Raharja.
  4. OTR prices are also influenced by non-tax costs such as STCK, STNK, BPKB, and TNKB.
  5. OTR prices are also influenced by BBN-KB costs, which vary in each region. For example, the Special Region of Yogyakarta is 15%, and East Java is 10%, and so on.

After reading the review above, are you more interested in the OTR (On The Road) price or the OTR (Off The Road) price?

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