Real Estate


Real Estate

Real estate investment near Jakarta in recent years


It is common in Indonesian apartment investment to lend for 10 years and enjoy the income gain, then aim for the capital gain from the sale.


Real Estate

Cluster Housing in Indonesia


With the recent economic development, the number of Indonesians willing to buy their own homes using KPR (Kredit Pemilikan Rumah mortgage) has increased, and major developers are focusing on selling affordable, multi-saleable cluster homes.


Real Estate

Contracts for handover in Indonesia


In real estate transactions, when the Sertifikat Tanah (Land Deed) is changed in the name, Notaris (Administrative Scrivener) prepares Akta Jual Beli (Certificate of Land Transfer) to certify the transfer of ownership, but prior to that, when the transaction is concluded between the seller and the buyer, the buyer pays Tanda Jadi (Contract Money) or Uang Muka (Advance Money) to the seller and Perjanjian Pengikatan Jual Beli (Reservation Agreement PPJB) is prepared.


Real Estate

Indonesia has a matrimonial property sharing system


In order to sell a property, you will need the KTP, KK (Kartu Keluarga), NPWP (Nomor Pokok Wajib Pajak tax number), spouse KITAS, and a prenuptial agreement (Pisah harta) stating the separate ownership of the property.

財産分離所有(pisah harta)を明記した婚前契約書(Perjanjian Perkawinan)には何が書いてあるのか

Real Estate

A prenuptial agreement (Perjanjian Perkawinan) specifying the separate ownership of property (pisah harta)


Hak Milik (Ownership) is for Indonesian nationals only, Hak Guna Bangunan (Construction Use Right) is for real estate in the name of a company and can be extended for 30 years + 20 years, Hak Pakai (Right to Use) is for houses with fixed-term land lease and can be extended for 25 years + 20 years, and is the only real estate owned by foreign residents (KITAS holders who stay more than 183 days per year).


Real Estate

Exchange rate and interest rate risk, which is important in investing


If an apartment can be sold at any time, the value continues to rise, and there is no fixed cost (even small), then an apartment is an expense if you buy it and rent it as an asset.