Find the Ease of Buying an Apartment in Jakarta and Bali by Submitting a KPA with Lets Move Group.
KPA is an abbreviation for “Apartment Ownership Credit.” This is a form of loan provided by a bank or financial institution to an individual or business to purchase an apartment. In Indonesia, KPA can have variations according to the financial institution that provides it. However, in general, there is no standard type of KPA. KPA types can differ in terms of interest rates, terms, terms and other benefits.
What is the difference between KPA and KPR?
KPR ( Kredit Pemilikan Rumah) and KPA ( Kredit Pemilikan Apartemen) are both Indonesian loan options used for acquiring property, but they differ based on the type of dwelling:
KPR (Kredit Pemilikan Rumah): This translates to "Housing Ownership Loan." It's specifically designed for financing the purchase of landed properties like houses, townhouses, or plots of land. KPR loans typically offer lower interest rates compared to KPA due to the perceived lower risk associated with landed properties.
KPA (Kredit Pemilikan Apartemen): This translates to "Apartment Ownership Loan." It caters to individuals looking to finance the purchase of apartments or condominiums. KPA loan terms might have slightly higher interest rates than KPR due to the inherent differences in property types.
Plan for your future in Indonesia. Apply for home instalments easily and find low-interest schemes to take the first step to owning your dream home!
Get your dream house with our New Mortgage consultation. Flexible, fast mortgage payments to suit your needs. Reach the future with us!
Easily renew your home instalments. Save money with competitive interest rates. We are here to help you revitalize home ownership.
Smart investment with home instalments. Property for rent? We are ready to help you find passive income from your property.
Do you consider buying home in Indonesia? No problem, we understand your needs as an expat. Get hassle-free home instalments with us.
Get your dream property in Indonesia with affordable instalments. Our experts provide Mortgage (KPR) solutions that suit your needs.
Enhance your business with the right legal entity in Indonesia. Our professionals are ready to help you take the first step to success.
Explore a new business landscape with Lets Move Group through Company Mortgage. Access the best solutions for your commercial asset needs.
Doubt your steps? Get mortgage advice from our professional consultants. Smart choice for your financial future.
Some of the advantages of using KPA in Indonesia include:
Requirements for applying for KPA in Indonesia may vary depending on the financial institution providing the loan. However, some general requirements that may be required include:
Use the Lets Move Group mortgage calculator to see the estimated value of your potential dream home and how much you can borrow!
Get the best offer for your dream home with Lets Move Group, the best mortgage consultant in Indonesia!
We have 4 branch offices in Jakarta & Bali. Visit our branches in Jakarta, Seminyak, or Canggu for a face-to-face consultation. Please make sure you have made an appointment before visiting. Visit the Contact Us page or contact us via the numbers listed.
Make your property ownership dreams come true! Let's make it happen with Lets Move Group KPR. We are ready to guide you towards your dream home. Fast processing, low-interest rates, and professionals to find the best instalment scheme. Don't delay, contact us now!
The general requirements for obtaining a KPA in Indonesia usually include identity documents, proof of income, a financial statement, information about the apartment to be purchased, and a down payment.
The main difference between KPA and KPR lies in the object of financing. KPA is given for apartment purchases while KPR is given for house purchases.
Notes: Differences in certificate of title
If the LTC borrower fails to pay the instalments on time, the consequences can include late fees, increased interest rates, and in extreme cases, the financial institution may take legal action to repossess the pledged apartment asset.
Pemerintah Republik Indonesia berencana menghapus pajak properti dan memperpanjang jangka waktu KPR sebagai stimulus pasar perumahan sebagai salah satu langkah awal mencapai target untuk membangun tiga juta rumah baru setiap tahunnya. Hasil survei terbaru Bank Indonesia menunjukkan adanya kenaikan terbatas pada harga properti residensial di pasar primer pada Triwulan II 2024. Berdasarkan Survei Harga Properti […]
Sobat Lets Move Group, sudahkah kalian tahu kalau tarif Pajak Pertambahan Nilai (PPN) akan naik? Pajak Pertambahan Nilai di Indonesia diproyeksikan mengalami kenaikan menjadi 12% mulai 1 Januari 2025. Tapi, apakah ada dampaknya bagi sektor properti di Indonesia? Jika kalian berencana bangun rumah sendiri tahun depan, kalian wajib mengikuti pembahasan kali ini. Yuk, simak apa […]
Since the beginning of this year, the real estate sectors in Jakarta and Bali have shown diverse trends. The international commercial real estate agency, Colliers, has recently released its latest report on the developments in Jakarta’s office, apartment, expatriate housing, retail, and hotel sectors, as well as Bali’s evolving hospitality scene. This report, available on Colliers' official website as of July 9, 2024, provides insights into how these markets are adapting to economic shifts and evolving consumer preferences.
2024 is shaping up to be a dynamic year for the Indonesian property industry. While the residential property market is showing relative stability, with the composite-16 property price index rising only 1.74% throughout 2023, the expat property sector is experiencing a gradual uptick in early 2024 […]
Owning an apartment is a popular housing choice nowadays. However, before purchasing one, it's important to understand the differences between the Strata Title Certificate for Apartment Units (SHMSRS) and the Building Ownership Certificate (SKGB).
For many Indonesians, owning property is a significant investment in life. Whether it's a residential house, apartment, or land, property can be a source of financial security and future stability.
Our journey started in 2016 with the sole aim of becoming the most ethical property and real estate agent in Indonesia. Our dream is to be a complete solution for the needs of expatriates, offering comprehensive solutions for property investment in Indonesia. Find Out More »
Enter your email address to get the latest updates and offers.
Copyright © Lets Move Group 2024.
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