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The Indonesian Ministry of Public Works and Public Housing (PUPR) continues to promote the subsidised house programme as a solution for low-income communities (MBR) to access affordable and decent living spaces. This initiative offers public housing through a mortgage scheme that includes conventional and sharia financing options.

Membeli rumah second (bekas) lewat Kredit Pemilikan Rumah (KPR) masih menjadi pilihan favorit banyak orang di Indonesia di tahun 2025. Selain harga yang lebih terjangkau, rumah second biasanya siap huni dan berada di lingkungan yang sudah berkembang. Namun, proses pengajuan KPR rumah second memang sedikit berbeda dibanding rumah baru. Disini kita akan membahas 10 cara […]

Buying a second-hand home can be a wise investment, particularly for those looking to balance affordability with strategic location. Unlike brand-new properties, second-hand homes often come with lower price tags, making them appealing to first-time buyers or those seeking to upgrade without overstretching their budget.

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. […]

As an expat working in Indonesia, you may have the desire to own a home. However, if buying a house or apartment outright feels burdensome, there is an easy way to do it, which is by applying for a mortgage. Tips for applying for a mortgage: Recognize What is Home Ownership Credit KPR is one of the financing schemes that people can do to buy a house.

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%)

Requirements

  • 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

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