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Apartment Ownership Credit - What is KPA and the advantages of using KPA to buy an apartment in Indonesia

KPA is an abbreviation for “Apartment Ownership Credit.” This is a form of loan provided by a bank or financial institution to an individual or business to purchase an apartment. In Indonesia, KPA can have variations according to the financial institution that provides it. However, in general, there is no standard type of KPA. KPA types can differ in terms of interest rates, terms, terms and other benefits.

What is the difference between KPA and KPR?

KPR ( Kredit Pemilikan Rumah) and KPA ( Kredit Pemilikan Apartemen) are both Indonesian loan options used for acquiring property, but they differ based on the type of dwelling:

  • KPR (Kredit Pemilikan Rumah): This translates to "Housing Ownership Loan." It's specifically designed for financing the purchase of landed properties like houses, townhouses, or plots of land. KPR loans typically offer lower interest rates compared to KPA due to the perceived lower risk associated with landed properties.

  • KPA (Kredit Pemilikan Apartemen): This translates to "Apartment Ownership Loan." It caters to individuals looking to finance the purchase of apartments or condominiums. KPA loan terms might have slightly higher interest rates than KPR due to the inherent differences in property types.

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Benefits of using KPA in Indonesia

Some of the advantages of using KPA in Indonesia include:

Requirements for applying for KPA in Indonesia

Requirements for applying for KPA in Indonesia may vary depending on the financial institution providing the loan. However, some general requirements that may be required include:

  • Valid KTP (Resident Identification Card).
  • Proof of stable income, such as pay slips or financial statements.
  • Employment certificate or other supporting documents.
  • Information about the property to be purchased.
  • Some institutions may also require a certain down payment.

Why Use a Home Loan Consultant from Lets Move Group?

What is the process for applying for KPA through Lets Move Group?

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With a proven track record in Customer Relations at Permata Bank, Irvan excels in navigating the complexities of understanding mortgage policies, ensuring a smooth and efficient mortgage experience for you. He leverages his in-depth knowledge of the mortgage landscape to tailor solutions that meet your personalized needs and aspirations. Irvan is here to guide you through your journey to get your dream property in Indonesia.
Ananda graduated from Brawijaya University Malang and brings her expertise in finance and banking to the table. Armed with the knowledge gained from his studies and honed through his experience as a KPR Consultant at OCBC Bank, she is passionate about empowering clients with efficient solutions. She has helped hundreds of individuals navigate the property purchase process, guiding them towards secure and streamlined transactions.
Gary Joy is a certified Financial Advisor, holding the University of Cambridge Ce-Map qualification from the United Kingdom. Gary gained his finance qualification in 2006 and has successfully helped hundreds of clients with their mortgage and property finance needs over the last 17 years. As the founder of Lets Move Group, Gary is an expatriate with extensive knowledge in real estate, property financing, immigration and legal services in Indonesia.

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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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Frequently Asked Quetsions

KPA (Kredit Pemilikan Apartemen) is a loan facility provided by banks or financial institutions to finance the purchase or ownership of apartment units.

The general requirements for obtaining a KPA in Indonesia usually include identity documents, proof of income, a financial statement, information about the apartment to be purchased, and a down payment.

The main difference between KPA and KPR lies in the object of financing. KPA is given for apartment purchases while KPR is given for house purchases.

Notes: Differences in certificate of title

KPA interest rates in Indonesia may vary depending on the lending financial institution, market conditions, and borrower profile, but generally range from 5% to 12% per annum.

If the LTC borrower fails to pay the instalments on time, the consequences can include late fees, increased interest rates, and in extreme cases, the financial institution may take legal action to repossess the pledged apartment asset.


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Interest Rate

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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%)


  • 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