Mortgage Indonesian Company - Lets Move Group

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Introduction to Company Mortgages by Lets Move Group

Company Mortgages (KPR perusahaan) essentially are property-backed credits utilized by businesses or enterprises to acquire or finance properties for their own operations or as investments. Company mortgages have a distinct structure from residential loans. Typically, Ownership Credit for businesses entails different terms, interest rates, and payment options tailored to business needs. Companies seeking KPR usually have to provide detailed financial information, including profit and loss statements, balance sheets, and business plans.

There are various types of company mortgages available, including commercial property loans, multifamily loans, construction loans, and refinancing options. Each type of KPR caters to specific commercial property needs. Company mortgages may require personal guarantees from business owners or additional collateral to secure the loan, providing lenders with recourse in case of default.

It's crucial for businesses to carefully evaluate their financial situation, property needs, and payment capabilities before pursuing company mortgages. Seeking guidance from financial professionals and KPR lenders specializing in commercial lending can assist businesses in navigating this process and choosing the KPR option that best suits their needs.

Benefits of Choosing Lets Move Group for Company Mortgages

Company mortgages allow businesses to acquire commercial properties for their own use or as investments. This provides stability and control over the location and space needed for operations, expansion, or generating rental income. Commercial properties have the potential for value appreciation over time. By investing in properties through company mortgages, businesses can take advantage of potential property value growth and capitalize on future market opportunities.

It is essential to consider the risks, costs, and financial implications associated with company mortgages. Conduct thorough financial analysis, seek professional advice, and carefully weigh the potential benefits and drawbacks before making decisions. Our experts are experienced in the Indonesian business landscape and are always ready to assist you, providing the best solutions for your company's mortgage needs.

Frequently Asked Questions

Generally, a regular home loan cannot be used to purchase business assets. This is because home loans are designed to help individuals buy personal residences, while business assets have different characteristics and risks.

Yes, various types of companies can apply for KPR in Indonesia, including limited liability companies (PT), foreign direct investment companies (PT PMAs), entrepreneurs, and legally recognized business entities. However, it's essential to remember that eligibility and requirements may vary depending on the financial institution and specific KPR products.

Obtaining company mortgages involves several steps. Usually, it starts with the company submitting an application to the financial institution, along with relevant documents such as financial statements, proof of ownership of collateral, and other required information.

While it may be possible to obtain company mortgages independently, seeking professional assistance such as legal counsel or financial advisors will provide more convenience. Professional KPR consultants like Lets Move Group can offer advice on KPR and its application, review the legality of KPR agreements, assist in due diligence, and help businesses make the best decisions about their financing options. due diligence, dan membantu bisnis membuat keputusan yang terbaik tentang opsi pembiayaan mereka.

If the company has a Tax Identification Number (NPWP) and is considered a taxable entrepreneur (PKP), the business owner will be subject to Value Added Tax (VAT) of 11% and final income tax (PPh Final) of 10%. For more detailed information on business tax reporting, contact our tax consultant team.

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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