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FAQs

Which properties are eligible for financing?

  • Loan amount: up to IDR 11 Billion per loan 

  • Property valuation: IDR 500jt to 25M

  • Title structure: Freehold SHM or SHGB (through a PT PMA)

  • Downpayment: minimum 40%

  • Build type: fully completed ready-to-live villas only 

Why home credit program?

  • Lower entry barrier: Purchase any home with just 40% downpayment. No need for upfront cash and easy to apply compared to traditional bank loan.

  • Flexible Instalments: pay the rest in fixed instalments over up to 7 years

  • Applies to both primary and secondary: Only program that accepts both newly built and secondary units. Only criteria is a ready to live, free hold unit. No off-plan & leasehold units accepted

  • Both Expats and Locals Can Apply: Both expats and locals can apply!

  • Buy or Refinancing options: Options for owners and developers to refinance their existing property equity or embed Tanaku program for their buyers to avail financing.

 I am a foreigner, can I apply as well?

If you own an operating PT PMA and your PMA generates sufficient income to repay the monthly instalments of the loan, you can qualify yes. For a free initial consultation, contact us.

I am an overseas buyer without a PT PMA in Indonesia. Can I apply?

No you cannot. For overseas buyers with no PT PMA or legal status in Indonesia, we may be able to refer you to our offshore mortgage partners across multiple countries. Contact us.

FAQs

Which properties are eligible for financing?

Local Home Credit: Primarily for ready-to-live freehold villas (SHM or SHGB via PMA).

Global Mortgages: May include both freehold and leasehold, depending on the lender and your offshore collateral.

What are typical downpayment options?

  • Local Home Credit: Minimum 40%.

  • Global Mortgages: Typically 20% (up to 80% LTV), but this can vary.

Who is eligible to apply?

Local Home Credit: Indonesian citizens and foreign-owned PMAs.

Global Mortgages: Overseas buyers with established credit and assets in participating countries.

I am overseas, how does the financing work?

We connect you with mortgage providers in your country. They will assess your eligibility based on their local criteria, typically requiring a 20% down payment and collateral in your market. This may allow you to finance both freehold and leasehold properties in Bali.

Can I finance leasehold as an overseas buyer?

Potentially, yes. While our local Indonesian home credit focuses on freehold, our global mortgage partners may offer financing for leasehold properties depending on their specific terms and the offshore collateral you provide. Contact us to explore your options.

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