Mortgage Services in Indonesia

Mortgage Services

Introduction to Lets Move Group's KPA and KPR instalment services in Indonesia

Although Lets Move Group is the most well-known expatriate agency in Indonesia, we don't just help expats, in fact, we also help many Indonesians with their real estate, KPR or Kredit Pemilikan Rumah, taxable assets and legal needs, just as many as we help foreigners. Indonesian customers choose to work with us because our ethical values and transparency make dealing with us much easier than our predecessors.

Whether you're looking for new or second-hand property finance, looking to buy your first home or purchase real estate for your business, Lets Move Group is the only home mortgage brokerage company in Indonesia that offers whole of market advice!

Mortgage brokers are relatively common in Western culture, but before Lets Move Group revolutionized the way property financing was sought, Indonesians generally obtained their property financing directly from their banks. While this may seem like a convenient and trustworthy way to obtain home finance, banks offer different products and interest rates, so your current bank may not offer the most cost-effective solution for your purposes. Therefore, more and more Indonesians are turning to Lets Move Group's mortgage services to save money and get better advice.

Indonesians applying for a mortgage must ensure that they fulfil several requirements, including minimum salary and down payment. KPR applications go through a rigorous underwriting process before reaching the settlement stage. Types of mortgages vary based on the needs of the borrower, such as conventional mortgages and sharia mortgages.

Benefits of Choosing Lets Move Group for Mortgage and KPA Instalments in Indonesia

Whether you are a first-time buyer looking for a home or expanding your business in the country, Lets Move Group is the most trusted property and mortgage agency that can address all your house or apartment needs.

We offer a range of customised services for individuals seeking property and mortgage financing in Indonesia with the best tenure and instalment scheme for you. Our professional team of experts help provide solutions that suit your individual needs, providing the best interest rates and mortgage terms. Our goal is to provide the best property-buying experience in Indonesia.

Lets Move Group has partnered with Indonesia's most popular banks and financing institutions, including Bank Mandiri, BCA, Commonwealth, Panin, DBS, and Permata, just to name a few. We only work with trusted and professional banks so you can feel confident when dealing with a lender.

Frequently Asked Questions

We offer a wide range of mortgage options to cater to everyone's needs and preferences, and as we mentioned earlier, our services are completely free. We offer a start-to-finish property purchase service, which includes property search and negotiation, property legal services, and of course, market-wide mortgage financing options.

The first thing you should know before buying property in Indonesia is that you need to know the title deeds of the property you want to buy. Some banks require a certificate of ownership (SHM) to process your mortgage, and if the property you want only has a sale and purchase agreement (PPJB), the developer must have a co-operation with the bank.

As a condition of applying for mortgages and FTCs, you need to prepare your national identity card and tax identity card for the bank to run your credit score first, and then you have to fill in the documents required by the bank for your mortgage application process. In general, banks require your personal documents and employment documents. You can consult our financial advisors for more detailed information on the document requirements for your mortgage application.

There are two types of mortgages in Indonesia: Conventional mortgages and Sharia mortgages. We can assist you with all applicable mortgage services in Indonesia.

All professional backgrounds are eligible to apply for KPA and mortgage with the bank in Indonesia.

All occupations and employment fields provide eligibility for mortgage financing, but please note that policies for individual banks may vary. For example, law-related occupations such as lawyers, police, and soldiers cannot apply for their mortgages with private banks, but they can apply through government-owned banks. Contract workers should be aware that they must have 5 years of work experience to apply for a mortgage.

Contract workers should be aware that they must have 5 years of work experience to apply for a mortgage.

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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