KPR Consultant - Your Dream Home Loan Solution

Discover the ease of owning your own home by applying for a mortgage with Lets Move Group.

Home Ownership Credit - What is KPR and the benefits of using KPR to buy property in Indonesia

KPR, short for Home Ownership Credit, is a loan facility provided by banks or financial institutions to individuals to buy or own a house. A mortgage allows a borrower to pay the price of a home in instalments with monthly payments, including interest, over a specified period.

In Indonesia, there are several types of mortgages, including:

  • Subsidized Mortgage: A mortgage with a low-interest rate aimed at low-income groups (MBR) and has certain requirements.
  • Non-subsidized mortgages: Market-rate mortgages offered to the general public.
  • KPR Syariah: KPR Syariah is a home financing service based on Islamic financial principles, without conventional interest.
  • Construction Mortgage: A mortgage to finance the construction of a house.
  • KPR Take Over: KPR yang used to replace home loans from other banks.
  • Refinancing Mortgage: A mortgage used to replace a home loan from the same bank, but under new conditions.

Lets Move Group Mortgage Services

Use the Lets Move Group mortgage calculator to see the estimated value of your potential dream home and how much you can borrow!

Plan for your future in Indonesia. Apply for home instalments easily and find low-interest schemes to take the first step to owning your dream home!

Get your dream house with our New Mortgage consultation. Flexible, fast mortgage payments to suit your needs. Reach the future with us!

Easily renew your home instalments. Save money with competitive interest rates. We are here to help you revitalise home ownership.

Smart investment with home instalments. Property for rent? We are ready to help you find passive income from your property.

Do you consider buying a home in Indonesia? No problem, we understand your needs as an expat. Get hassle-free home instalments with us.

Get your dream property in Indonesia with affordable instalments. Our experts provide Mortgage (KPR) solutions that suit your needs.

Enhance your business with the right legal entity in Indonesia. Our professionals are ready to help you take the first step to success.

Explore a new business landscape with Lets Move Group through Company Mortgage. Access the best solutions for your commercial asset needs.

Doubt your steps? Get mortgage advice from our professional consultants. Smart choice for your financial future.

What are the benefits of using a mortgage programme in Indonesia?

Some of the benefits of using a home financing instalment scheme in Indonesia include:

Mortgage Requirements in Indonesia:

The conditions generally required to apply for a mortgage in Indonesia include:

  • The minimum age should be 21 years old at the time of application and the maximum is around 55 - 70 years old at the end of the mortgage period.
  • Has a steady income.
  • Submit documents such as KTP, NPWP, Salary Report, and asset ownership documents.
  • Able to pay down payment (DP) according to bank requirements.
  • Have the ability to pay mortgage instalments consistently.

Why Use a Home Loan Consultant from Lets Move Group?

How to Apply for a Mortgage Through Lets Move Group?

Mortgage Calculator

Use the Lets Move Group mortgage calculator to see the estimated value of your potential dream home and how much you can borrow!

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About KPR

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Our Branch Locations

We have 4 branch offices in Jakarta & Bali. Visit our branches in Jakarta, Seminyak, or Canggu for a face-to-face consultation. Please make sure you have made an appointment before visiting. Visit the Contact Us page or contact us via the numbers listed.

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Our Popular Mortgage Services

Make your property ownership dreams come true! Let's make it happen with Lets Move Group KPR. We are ready to guide you towards your dream home. Fast processing, low-interest rates, and professionals to find the best instalment scheme. Don't delay, contact us now!

New Mortgage Property

Expat Mortgage

Remortgage

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Frequently Asked Questions

Mortgage services refer to financial products offered by banks or lenders, allowing individuals to borrow money to purchase a property, with the property serving as collateral. At the Lets Move Group, we act as your mortgage consultant to help you find the best mortgage products as a solution for your property ownership.

To apply for a mortgage, individuals must provide relevant documents such as identification, proof of income, and property details. Lenders assess the applicant's creditworthiness and property value before approving the loan.

Yes, some banks in Indonesia offer KPR services to foreigners to purchase property, subject to specific regulations and restrictions regarding foreign ownership.

Interest rates for mortgages in Indonesia depend on factors such as the loan amount, term, borrower's credit history, and lender policies.

Yes, borrowers in Indonesia can switch their mortgages to avail a lower interest rate or change the agreed interest rate.

Yes, mortgage interest payments can qualify for tax deductions, providing potential tax benefits for borrowers. However, it is advisable to consult a tax professional for accurate information.

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Latest News

For Indonesians who are looking for a home or seeking ways to improve the quality of their homes, there is something called BSPS. BSPS, or Bantuan Stimulan Perumahan Swadaya (Self-Help Housing Stimulus Assistance), is a government programme aimed at improving the quality of homes for low-income communities (MBR) in Indonesia. This programme

Membeli rumah adalah impian banyak orang. Prosesnya pun tidak mudah, butuh waktu, tenaga, dan tentunya dana yang tidak sedikit. Kredit Pemilikan Rumah (KPR) hadir sebagai solusi untuk mewujudkan impian tersebut. Namun, tidak jarang di tengah jalan, Anda dikejutkan dengan cicilan KPR yang tiba-tiba melonjak. Jika hal ini terjadi pada Anda, jangan panik! Mungkin Anda salah […]

Seiring dengan perkembangan zaman, setiap sektor, termasuk pertanahan di Indonesia, selalu mengedepankan teknologi terkini. Kementerian Agraria dan Tata Ruang/Badan Pertanahan Nasional (ATR/BPN) telah memperkenalkan inovasi dengan menerbitkan sertifikat tanah elektronik. Implementasi sertifikat tanah elektronik tidak hanya menyangkut perubahan fisik dokumen, melainkan membawa dampak signifikan pada sisi pelayanan. Juga, akan sangat berguna bagi semua pihak yang […]

If you are currently paying off a mortgage and are thinking of transferring it to another bank, this is entirely possible. It is common to decide to transfer your mortgage, usually from a conventional bank to an Islamic (syariah) bank or vice versa. Another factor is the difference in floating interest rates between banks. For example, when you purchase a home and

Pajak Bumi dan Bangunan (PBB) merupakan salah satu sumber pendapatan asli daerah (PAD) yang sangat penting bagi Pemerintah Provinsi DKI Jakarta. Uang yang diperoleh dari SPPT PBB-P2 digunakan untuk pembayaran berbagai program pembangunan dan pelayanan publik yang krusial bagi seluruh warga Jakarta. Namun, Pemprov DKI Jakarta memahami bahwa tidak semua wajib pajak memiliki kemampuan yang […]

The Indonesian Ministry of Public Works and Public Housing (PUPR) continues to promote the subsidised house programme as a solution for low-income communities (MBR) to access affordable and decent living spaces. This initiative offers public housing through a mortgage scheme that includes conventional and sharia financing options.

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Primary Property

Interest Rate

Floating Rate

Primary Mortage

Rate information

Interest rate is 4.7% fixed for the first 3 years, after that, the rate will move to a floating rate (currently 11%)

Requirements

  • Permanent employee/self-employed for at least 1 year in the same company/total 2 years of work
  • Professional/Businessman working for at least 2 years in the same field
  • At least 18 years old or married

General Personal Requirements

  • Photocopy of husband’s / wife’s ID card (if married)
  • Photocopy of Family Card
  • Copy of Marriage Certificate (if married)
  • Photocopy of Tax ID Number of Applicant
  • Salary Slip / Certificate of Income for the last 1 month original
  • Photocopy of 3 months bank statements
  • Developer’s House Booking Letter / Broker’s Cover Letter

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