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

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 revitalize 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 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!

Kalkulator KPR Terbaru




About KPR

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Our Consultants

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.

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.

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


Buy To Let

Frequently Asked Quetsions

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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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%)


  • 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