Yes, Foreigners Can Get a Mortgage in Indonesia — Here's How.
Compare Indonesia's top banks, check your eligibility, and apply — all in one place, fully in English.
We work with all major banks in Indonesia
Trusted. 10.000+ successful mortgages processed in Indonesia. Regulated by OJK, certified to ISO standards.
HOW IT WORKS IN INDONESIA
Your Path to Property Ownership
STEP 01
Check Your Eligibility
Foreign applicants must hold a valid KITAS or KITAP and meet the bank's financial and credit assessment requirements.
View full eligibility criteria and required documentation here.
STEP 02
Choose an Eligible Property
Select a property that qualifies under Indonesian regulations. Property must meet minimum government price thresholds depending on region.
Ready to find out if you qualify? It's free and takes less than a minute.
Check Your Mortgage Eligibility
Answer a few quick questions to see if you qualify for a foreigner mortgage in Indonesia.
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Contact
Qualification
Eligibility
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Where are you in the home buying process?
This helps us tailor our guidance to your situation.
Meet our consultants
Danis
Sr. Mortgage Advisor
8+ Years Experience
Annisa
Mortgage Advisor
6+ Years Experience
Tasia
Mortgage Advisor
6+ Years Experience
AS FEATURED IN
What Our Clients Say
Real expats who found their home in Indonesia with IDEAL
"My wife Sari and I wanted to buy a home together in Bali. I work for an Indonesia-based company, so we used my monthly income to qualify. IDEAL guided us through the process and helped us choose a bank that was comfortable with mixed-nationality applicants. We secured a loan of IDR 2.6 billion and received approval in about five weeks. It felt structured, clear, and much less stressful than applying on our own."
Mathieu & Sari
French Expat, Bali
"I've been running my hospitality supply business in Bali for three years, generating steady revenue each year. When I decided to buy a villa, I didn't want to pull all my capital out of the company. IDEAL helped me structure the application properly and match with the right bank. I secured a loan of IDR 3.2 billion on a IDR 5.1 billion villa. I paid around 37% upfront and financed the rest over 10 years. What I appreciated most was keeping my business cash flow intact while still owning the property."
Bastian
German Business Owner, Bali
Why apply with IDEAL
Expert Guidance for Expats
Navigate Indonesian mortgage requirements with ease
Compare Multiple iBanks
Find the best rates and terms from our partner banks
Fast & Simple Process
Complete your application online with minimal paperwork
Frequently Asked Questions
Everything expats need to know about getting a mortgage in Indonesia