{"id":7591,"date":"2024-02-22T15:16:22","date_gmt":"2024-02-22T08:16:22","guid":{"rendered":"https:\/\/ringkas.co.id\/?p=7591"},"modified":"2024-12-20T12:12:39","modified_gmt":"2024-12-20T05:12:39","slug":"can-expats-apply-for-indonesian-mortgage","status":"publish","type":"post","link":"https:\/\/ringkas.co.id\/en\/blog\/kpt-101\/can-expats-apply-for-indonesian-mortgage\/","title":{"rendered":"Can Expats Apply for Indonesian Mortgage?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_66_1 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" >Daftar Isi<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ringkas.co.id\/en\/blog\/kpt-101\/can-expats-apply-for-indonesian-mortgage\/#Eligibilities\" title=\"Eligibilities\">Eligibilities<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ringkas.co.id\/en\/blog\/kpt-101\/can-expats-apply-for-indonesian-mortgage\/#Eligible_Properties\" title=\"Eligible Properties\">Eligible Properties<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/ringkas.co.id\/en\/blog\/kpt-101\/can-expats-apply-for-indonesian-mortgage\/#About_Ownership\" title=\"About Ownership\">About Ownership<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/ringkas.co.id\/en\/blog\/kpt-101\/can-expats-apply-for-indonesian-mortgage\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Be it for business reasons or simply a personal attachment to the culture, one might be tempted to settle for a new life in Indonesia. That is, until you find out that the process might not be as seamless as it seemed. As an expat, you might find yourself overwhelmed at the prospect of moving or permanently residing in a brand new territory. Starting a new life from scratch, finding the area that suits your needs, or navigating the tedious, bureaucratic legal process to settle here.<\/p>\n\n\n\n<p>In this article, we\u2019ll cover the basics about Indonesian mortgage for expats. Including eligibilities, requirements, and how to begin your mortgage process.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1\"><span class=\"ez-toc-section\" id=\"Eligibilities\"><\/span>Eligibilities<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To kick things off, you need to understand if you are eligible to apply for an <a href=\"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/pahami-prinsip-5c-yang-diterapkan-lembaga-keuangan\/\">Indonesian mortgage<\/a>. The following is a set of criteria that you must meet to be eligible for a mortgage:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>All nationalities excluding African territories citizens.<\/li>\n\n\n\n<li>Employees: At least 2 years of work period.<\/li>\n\n\n\n<li>Self-employed: At least 4 years of experience in the industry.<\/li>\n\n\n\n<li>Aged 21-57 years old.<\/li>\n\n\n\n<li>Min. income: IDR 25 million\/month.<\/li>\n\n\n\n<li>Max. credit period: 25-30 years.<\/li>\n<\/ul>\n\n\n\n<p>Keep in mind that <strong>these requirements may vary<\/strong> depending on the bank you choose for your mortgage. So, be sure to ask your bank when you\u2019re applying for a mortgage.<\/p>\n\n\n\n<p>Aside from the requirements, you also need the <a href=\"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/cek-dulu-6-cara-agar-kpr-di-acc-bank\/\">required documents<\/a> to apply for a mortgage in Indonesia. The following are the aforementioned required documents:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>KITAS (Temporary Stay Permit).<\/li>\n\n\n\n<li>NPWP (Annual Tax Return).<\/li>\n\n\n\n<li>Marriage Certificate, Prenuptial Agreement, Birth Certificate.<\/li>\n\n\n\n<li>Reference Letter, Company Legality.<\/li>\n\n\n\n<li>Savings Account Mutation.<\/li>\n\n\n\n<li>Collateral Document.<\/li>\n<\/ul>\n\n\n\n<p>Additional documents for self-employed applicants:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Akta PT (Notary Company Act).<\/li>\n\n\n\n<li>SKTU (Domicile License) if any.<\/li>\n\n\n\n<li>SIUP or NIB (Trade License).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2\"><span class=\"ez-toc-section\" id=\"Eligible_Properties\"><\/span>Eligible Properties<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Not only that there are requirements that you must meet as an applicant, but there is also a set of requirements as to what property you can purchase. According to the Government Regulation Number 103 article 1 paragraphs 2 and 3, the following are the eligible types of property:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rumah Tapak (Landed House) A landed house is a property that stands on land in a housing complex or cluster.<\/li>\n\n\n\n<li>Rumah Susun (<a href=\"https:\/\/ringkas.co.id\/en\/blog\/finansial\/baru-menikah-lebih-baik-beli-rumah-atau-apartemen\/\">Apartment<\/a>) An apartment is a property residence located on one floor of a large multi-storey building, equipped with various facilities.<\/li>\n<\/ul>\n\n\n\n<p>Other than the types of house or property, there is also a set of required price range depending on the area you reside in. The following is the required price range for landed houses:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>DKI Jakarta: IDR 10 billion<\/li>\n\n\n\n<li>Banten: IDR 5 billion<\/li>\n\n\n\n<li>West Java: IDR 5 billion<\/li>\n\n\n\n<li>Central Java: IDR 3 billion<\/li>\n\n\n\n<li>Daerah Istimewa Yogyakarta: IDR 5 billion<\/li>\n\n\n\n<li>East Java: IDR 5 billion<\/li>\n\n\n\n<li>Bali: IDR 5 billion<\/li>\n\n\n\n<li>West Nusa Tenggara: IDR 3 billion<\/li>\n\n\n\n<li>North Sumatra: IDR 3 billion<\/li>\n\n\n\n<li>East Kalimantan: IDR 2 billion<\/li>\n\n\n\n<li>South Sulawesi: IDR 2 billion<\/li>\n\n\n\n<li>Other regions or provinces: IDR 1 billion<\/li>\n<\/ul>\n\n\n\n<p>The following is the required price range for apartments:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>DKI Jakarta: IDR 3 billion<\/li>\n\n\n\n<li>Banten: IDR 2 billion<\/li>\n\n\n\n<li>West Java: IDR 1 billion<\/li>\n\n\n\n<li>Central Java: IDR 1 billion<\/li>\n\n\n\n<li>Daerah Istimewa Yogyakarta: IDR 1 billion<\/li>\n\n\n\n<li>East Java: IDR 1.5 billion<\/li>\n\n\n\n<li>Bali: IDR 2 billion<\/li>\n\n\n\n<li>West Nusa Tenggara: IDR 1 billion<\/li>\n\n\n\n<li>North Sumatra: IDR 1 billion<\/li>\n\n\n\n<li>East Kalimantan: IDR 1 billion<\/li>\n\n\n\n<li>South Sulawesi: IDR 1 billion<\/li>\n\n\n\n<li>Other regions or provinces: IDR 750 million.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3\"><span class=\"ez-toc-section\" id=\"About_Ownership\"><\/span>About Ownership<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Another thing to note if you are not yet a permanent citizen is that the certificate to your property is rather limited. You are allowed to have a landed house on a state or private land with the Rights to Use (HPL) Certificate. You are also allowed to own an apartment with a Building Use Rights (HGB) Certificate. You are not, however, allowed to own any property with the Certificate of Ownership.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"4\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In summation, it is possible for expats or foreigners to apply for an Indonesian mortgage or what is more commonly referred to as KPR. If you are ready for your first Indonesian mortgage and a residence of your own, be sure that your characters as well as the property that you seek already meet the above requirements. Should you ever find the need to ask more question regarding KPR, choosing a bank that suits your needs, or other burning questions regarding the legal requirements, feel free to reach the Ringkas Mortgage Specialist here: 150 288.<\/p>","protected":false},"excerpt":{"rendered":"<p>Be it for business reasons or simply a personal attachment to the culture, one might be tempted to settle for a new life in Indonesia. That is, until you find out that the process might not be as seamless as it seemed. As an expat, you might find yourself overwhelmed at the prospect of moving [&hellip;]<\/p>","protected":false},"author":1,"featured_media":7592,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[4],"tags":[],"class_list":["post-7591","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kpr-101"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can Expats Apply for Indonesian Mortgage?<\/title>\n<meta name=\"description\" content=\"Rules to apply for Indonesian mortgage or KPR as an expat or foreigner, including American.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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