Home loans for foreigners in Indonesia

Get a home loan in Indonesia is possible for foreigner, but it can be more difficult and have more restrictions than for Indonesian citizens.

Most banks in Indonesia will require a significant down payment (usually 30-40%) and a high credit score, as well as proof of income and employment. Additionally, some banks may limit the loan amount or require collateral, such as a property or other assets.

Foreigners will also need to provide a valid stay permit (KITAS or KITAP) and proof of tax payment (NPWP), in order to apply for a home loan. Some banks might also require a guarantee from an Indonesian citizen.

It is important to note that the regulations and laws regarding home loans for foreigners in Indonesia can be complex and may change over time, so it’s recommended to seek advice from a financial professional and conduct proper research, analysis and due diligence before making any decisions. Additionally, it’s also good idea to compare interest rates and terms from different banks to find the best deal.