Mortgage Services
As expatriates, we know that living and enjoying Indonesia makes us want to stay in this country indefinitely. However, as we know from National Land Agency Regulation Number 18/2021, it is explained that foreigners are allowed to own a house with the status of land built on state land or private land with a Right to Use Certificate (HPL). Apart from that, foreigners are also allowed to own apartments or condominiums standing on land with Building Use Rights (HGB) status.
While not all types of property can be owned outright, you can still own your dream property through a mortgage! Of course, you must meet certain terms and conditions. Pembentukan badan usaha adalah salah satu solusinya.
Lets Move Group hadir dengan layanan Pendirian Badan Usaha We're ready to help you make that dream a reality! We understand the complexities of regulations and the business establishment process in Indonesia, especially for foreign nationals. There are several steps required when applying for a mortgage (KPR) for foreigners. One solution is to establish a legal entity.
In a mortgage, the business entity itself will act as the borrower. Legal entities can be established for various purposes, such as real estate investment, property ownership, or conducting business activities. With legal entity mortgages, liability for the loan is generally limited to the assets of the entity. This liability protection can be a huge benefit to owners, as their assets are protected from the potential financial risks associated with a mortgage.
Qualifications and requirements for legal entity mortgages may differ from individual mortgages. Lenders may consider factors such as the financial strength and creditworthiness of the entity, the nature of its business or investment activities, and the value and condition of the property being financed. Legal entity mortgages may have different interest rates and terms compared to individual mortgages. Interest rates and terms may vary depending on factors such as the creditworthiness of the entity, the type of property being financed, the loan-to-value ratio, and overall market conditions.
Obtaining a mortgage in Indonesia can vary depending on the type of business legal entity you operate. Here are the most common entities and their mortgage considerations:
Entitled to Mortgage:
Not Entitled to Mortgage:
It's necessary to seek advice from a mortgage specialist and a legal professional to understand the specific requirements and procedures for your new business entity in Indonesia.
If you want to establish a legal entity to grow your business in Indonesia, Lets Move Group will be the most reliable legal entity establishment service to fulfil all your business needs hassle-free.
Choosing our Legal Entity Establishment Services from Lets Move Group will provide you with efficient access to opening a business in Indonesia. We are a professional one-stop shop for the complete legal entity establishment process in Indonesia, providing a wide range of services to guarantee a smooth business setup, including Company Registration, Company Mortgage, and other related services.
Our experts are familiar with the business framework in Indonesia and are always ready to assist you and provide the best solutions for your legal entity establishment needs. We also have a comprehensive list of financial institutions and lenders in Indonesia that offer the best mortgage terms and conditions, and we can help you compare and choose the right service for your business.
The minimum number of years required for a legal entity to obtain a mortgage in Indonesia is 3-4 years of work experience. This requirement is in place because banks want to know the financial flow of your company before they can process the loan, however, this depends on the working field of your business and can be an exceptional policy if the legal entity has less than 3 years of working experience.
It takes 14-30 working days to complete this process as the lender needs to analyse the financial statements and legal data of your legal entity. This process can take longer as the lender will match your financial data.
It depends on the purpose of the purchase. If it is for personal purposes, it will be considered an asset of your company. However, if it is for office and other commercial purposes, it will acquire different rates and products compared to individual mortgages.
The time required to establish a legal entity in Indonesia varies depending on factors such as the type of entity, the completeness of the documents, and the efficiency of the registration process. The incorporation process can take a few weeks to a few months on average.
Yes, seeking professional assistance from a legal and business consulting firm is highly recommended for the establishment of a legal entity in Indonesia. They can provide guidance on specific requirements, assist with document preparation, take care of the registration process, and ensure compliance with applicable laws and regulations.
To understand our Legal Entity Establishment process, you can refer to our PT Company registration and PT PMA Registration pages. Meanwhile, our mortgage service is FREE.
Understand the Differences Between Sharia and Conventional Mortgages Buying your dream home is a major financial decision for most people, and a mortgage is the most common way to make it happen. In many countries, including Indonesia and the UK, buyers can choose between sharia mortgages and conventional mortgages. Although both are designed to help individuals purchase property, they operate on different financial principles.
Dengan semakin pesatnya pembangunan properti seperti apartemen, hadirnya fasilitas pembiayaan seperti Kredit Pemilikan Apartemen (KPA) menjadi solusi yang tepat untuk membeli unit apartemen. Namun, apa sebenarnya KPA itu dan bagaimana cara mengajukannya? Disini kita akan mengetahui lebih lanjut tentang KPA, mulai dari definisinya, syarat-syarat yang dibutuhkan, hingga panduan langkah demi langkah untuk pengajuannya. Apa itu […]
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
Our journey began in 2016, with the sole aim of being the best real estate agency in Indonesia. Over time, as our business grew and developed, we began to focus on real estate finance solutions and revolutionised the property finance industry in Indonesia. Find Out More»
Enter your email address to get the latest updates and offers.
© Copyright 2025 PT Klub Rumah Baru
Lets Move Group
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
General Personal Requirements
*Disclaimer
EN 
ID 
