Mortgage Services
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.
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.
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 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.
One of the important sectors for the national economy is the residential property industry in Indonesia. Every three months, Bank Indonesia (BI) routinely releases the results of the Residential Property Price Survey (SHPR) which is an important reference for industry players, the government, and the wider community. In the first quarter of 2025, the results of this survey showed interesting developments to watch, starting […]
Owning a home does not necessarily require a large amount of capital. For this reason, many individuals turn to Mortgage, or KPR (Home Ownership Credit), as a means of financing. In Indonesia, KPR is available through two main channels: conventional banks and Islamic banks. Amid rising benchmark interest rates, Islamic home financing (KPR Sharia) has emerged as a stable alternative. […]
For many expatriates living and working in Indonesia, the aspiration to own a home is a natural step toward long-term settlement. However, purchasing the property outright can be financially demanding. One practical solution is applying for a mortgage (Kredit Pemilikan Rumah or KPR), a financing scheme that allows buyers to pay for property in instalments over time. […]
Interested in buying a house in Indonesia? The comparison between buying a house with a mortgage vs cash is essential. Both payment methods offer their own advantages and disadvantages, with trends in society fluctuating. This article will discuss the comparison between KPR and Cash home purchases, current trends, and factors that influence people's preferences. Which is more popular? Let's discuss. […]
When applying for a loan such as a Mortgage (KPR) at a bank, the term 'threshold credit limit' often arises. According to the Great Dictionary of the Indonesian Language (KBBI), 'threshold' refers to the maximum limit (of costs, credit, etc.) provided. In the loan application process, the amount granted by the bank or other financial institutions to the customer will not exceed the predetermined threshold. […]
While taking out a Kredit Pemilikan Rumah (KPR), or mortgage, remains one of the most popular ways for Indonesians to purchase their dream home, the reality is that not every application ends in success. A significant number of aspiring homeowners face rejection from banks, often without clear understanding of the reasons why. So, why does a mortgage application get rejected? What are the warning signs? And most importantly—what can be done about it? Let’s break it all down. […]
Our journey began in 2016, with the sole aim of being the best real estate agency in Indonesia. Over time, as our business grew and developed, we began to focus on real estate finance solutions and revolutionized the property finance industry in Indonesia. Find Out More »
Enter your email address to get the latest updates and offers.
© Copyright 2025 PT Klub Rumah Baru
Lets Move Group
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%)
Requirements
General Personal Requirements
*Disclaimer
EN 
ID 
