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Indonesia – Property Financing

Mortgages for Foreign Nationals in Indonesia

Local banks in Indonesia do not typically issue mortgages to foreign nationals. However, some international banks with a presence in Indonesia may offer mortgages to foreign nationals, but typically at a higher interest rate and with stricter requirements.

Local Lenders in Indonesia

Some of the local lenders that provide mortgages in Indonesia include Bank Mandiri, Bank Central Asia (BCA), and Bank Negara Indonesia (BNI).


Deposit Requirements inIndonesia

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The deposit required when buying a property in Indonesia varies depending on the type of property and the lender. Typically, the deposit required for a mortgage ranges from 15% to 30% of the property value. However, it’s worth noting that some lenders may ask for a larger deposit.

Outstanding Debts in Indonesia

When buying a property in Indonesia, it is important to conduct due diligence to ensure that the property is free of any outstanding debts or liens. The new property owner is typically responsible for any outstanding debts on the property, so it’s important to make sure that these are cleared before purchasing the property.

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