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BCA Land

How to buy

How to Buy a Home

From the first site visit to signing the akad, in four steps.

Estimate a KPR

Overview

The four steps at a glance

Most first-time buyers in Indonesia buy with a KPR. The order below is typical; the bank and developer confirm the details.

Schedule a visit
Aerial view of rows of houses and tree-lined roads in a tropical housing estateIllustrative photo
  1. Site visit01
  2. Booking02
  3. KPR application03
  4. Signing (akad)04

Step by step

What happens at each step

What you do, what you receive and what to ask, from the visit to the keys.

View projects
  1. Aerial view of a country road between green rice fields in BaliIllustrative photo

    Step 1 of 4

    Site visit

    • Choose a project and a date, then visit the location with the marketing team.
    • Check access to the main road, schools, markets and your workplace.
    • Ask which house types and units are available and what the current price is.
  2. A small house-shaped key ring lying among old keysIllustrative photo

    Step 2 of 4

    Booking

    • Pick a specific unit (block and number) and pay the booking fee set by the developer.
    • Ask for a written receipt and the terms: what the fee covers and whether it is refundable.
    • Confirm the down payment (DP) amount and when it is due.
  3. A calculator and house keys on top of home buying leafletsIllustrative photo

    Step 3 of 4

    KPR application

    • Apply for a home loan (KPR, kredit pemilikan rumah) at a bank that works with the project.
    • The bank checks your documents and income, and may interview you or visit your workplace.
    • If approved, the bank issues an approval letter (SP3K) stating the loan amount and terms.
  4. Close-up of a hand signing a printed agreementIllustrative photo

    Step 4 of 4

    Signing (akad)

    • The akad kredit is the signing of the loan agreement between you, the bank and the developer, before a notary.
    • Bring original documents and pay the costs listed by the bank and notary.
    • After signing, the developer arranges the handover of the house.

Documents

Documents banks usually ask for

A common checklist for a KPR application. Requirements differ between banks and between subsidized and regular loans.

Estimate a KPR

  • ID card (KTP)

    For you, and for your spouse if you are married.

  • Family card (KK)

    The kartu keluarga showing your household.

  • Tax number (NPWP)

    Personal taxpayer registration number.

  • Marriage or divorce certificate

    If applicable to your status.

  • Proof of income

    Usually the last three months of pay slips, or business records if self-employed.

  • Employment letter

    A letter from your employer confirming your position.

  • Bank statements

    Usually the last three months.

  • Bank-specific forms

    Each bank may ask for extra forms or statements. Ask the bank before applying.

Hands laying red bricks with mortarIllustrative photo

Questions

Common questions

Short answers to questions first-time buyers often have.

Ask the team

It depends on the bank and on how quickly documents are complete. Ask the bank for its usual time from application to approval.

Ask the developer before booking what happens to the booking fee if the loan is not approved, and get the answer in writing.

Projects usually work with specific banks. Ask the marketing team which banks handle KPR for the unit you like.

SHM (Sertifikat Hak Milik) is a freehold land title. Ask which title the unit comes with and when it is handed over.