Mortgage Advice Service

Mortgage Services

Overview Property Mortgage Advice

Mortgage advice service is a professional service provided by Lets Move Group to assist individuals or businesses in making informed decisions regarding mortgage options in Indonesia. The service provides an in-depth analysis of your financial situation, goals and preferences, and provides personalised advice and recommendations on the best mortgage product, interest rate, loan term and payment strategy to suit your needs.

Benefits of Choosing Lets Move Group to Get the Best Advice on Mortgage Applications in Indonesia

Lets Move Group's professional mortgage advisors provide you with an expert view to access a wide selection of mortgage solutions in Indonesia that will help you save time and effort in understanding real estate financing policies that are compliant with Indonesian regulations.

By engaging a mortgage advisor, you can receive personalised recommendations under expert guidance and support while still maintaining professionalism.

Lets Move Group helps you find the best and secure mortgage instalments that best suit your needs.

Frequently Asked Questions

We provide all mortgage deals in Indonesia, including residential mortgages, commercial mortgages, and corporate mortgages.

You do not have to pay to get mortgage advice from us. You can talk to our mortgage advisors for FREE and get the best mortgage advice for your needs.

Usually, lenders give borrowers 14 working days before the offer letter expires. If you need more time to consider the offer, please speak to our financial advisors as lenders may change interest rates and approvals if you do not make an immediate decision.

We understand and take the confidentiality of the data collected during the review process very seriously. Therefore, we guarantee the security of our clients' personal information and ensure all remains confidential.

In Indonesia, credit score assessment is not yet popular. To determine if you have a good credit score, lenders need to access your SLIK/BI Checking to see your current credit status. Therefore, every applicant must submit their KTP and NPWP to give the lender access to your SLIK/BI Checking. Once the results are out, our financial advisors help you to compare and suggest which products are suitable for your financial status.

What are the requirements for applying for a mortgage?

Applicants are expected to fulfill the following requirements in the mortgage application process:

General Requirements:

  • Indonesian citizen (WNI) or foreign citizen (WNA) who has KITAS/KITAP.
  • Minimum age of 21 years old or married.
  • Have a steady income and are able to make mortgage installments.
  • Have a clear and stable job.
  • Have a good credit history.
  • Do not have credit arrears at other banks.

Document Requirements:

  • Copy of ID card and family card
  • Copy of salary slip or proof of income
  • Copy of income tax return (SPT PPh 21)
  • Copy of marriage book (if married)
  • Copy of bank statement for the last 3 months
  • Copy of employment certificate (if employee)
  • Copy of company establishment deed (if entrepreneur)
  • Copy of NPWP
  • Copy of land and building certificates (if you already own)

KPR terms and conditions are subject to change at any time. Please contact Lets Move Group for the latest information about mortgage process in Indonesia.

Need more information about Home Ownership Credit? Check out some of our guides!

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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