Own a villa in Bali with KPR.

Yes — you may still be able to apply, subject to the bank's assessment and documentation requirements. You'll need a valid KTP and income the bank can verify. Overseas applications take more paperwork and usually more time, and approval is never guaranteed — but living abroad does not, by itself, close the door.

Earning in a foreign currency doesn't disqualify you. Banks care about whether your income is real, stable, and documented — contracts, payslips, bank statements. Each bank treats foreign income differently, which is why choosing the right bank for your situation matters more than it does for a domestic applicant.

Currently available units at Jimbaran Hill range from IDR 2,824,800,000 to IDR 6,091,200,000 depending on type, unit, and land size — roughly USD 172K–371K at current rates, including 11% VAT. What sits on top depends on the payment scheme: see the cost breakdown above for the honest all-in picture.

It depends on the unit's promo. Cyra units under Promo Merdeka take a flat DP of IDR 178 million — against a standard 10% that would be IDR 280–460M depending on the unit. On Aira units C9, C15, and C17 the developer currently covers the 10% DP entirely, with your booking fee counting as the first payment. Outside a promo, the standard scheme is 10%. The bank's own loan-to-value assessment always has the final say on how much it will finance.

As an illustration: unit B9 at IDR 3.46B with a flat promo DP of IDR 178M has the bank financing IDR 3.29B — roughly IDR 19.5 million per month on a 20-year tenor at the promo's estimated 5% p.a. effective initial rate. Shorter tenors mean higher installments — around IDR 26.0M over 15 years, IDR 39.0M over 10. These are estimates, not offers — rates follow the bank's current program.

The developer's bank simulations cover 10, 15, and 20-year tenors. The tenor you're actually offered depends on the bank and on your age at the end of the loan — banks set their own maximum age at maturity.

The current simulation uses a stepped fixed structure ("fix berjenjang"): the rate is fixed in tiers that rise at set intervals — lowest in the first years, stepping up afterward — rather than one flat rate for the whole loan. After the fixed period ends, the loan moves to the bank's floating rate, which changes with the market. Ask us for the current simulation before you apply, and ask the bank for its current floating rate so you know the ceiling, not just the teaser.

Most Indonesian banks charge a fee for early or accelerated repayment — as an indication, in the range of 2–3% of the amount repaid, with 2.5% being typical. The exact figure and the rules around it are written in the credit agreement — read that clause before akad, not after. We'll flag it when we review the bank's offer with you.

Largely, yes. We do video calls and live virtual tours of the estate and the Cyra show unit, documents can be prepared and exchanged remotely, and signing can often be handled through a surat kuasa — a notarized power of attorney. Some banks require your presence for certain steps, so the exact path depends on the bank; we'll confirm it for your case. Several buyers in this project completed their purchase while living and earning overseas.

Banks generally want your total monthly installments — including any existing loans — within roughly 30–40% of your documented monthly income. On the example installment of ±IDR 19.5M, that suggests an income of around IDR 49–65M per month or its equivalent in your working currency. The bank's own calculation decides; this only tells you whether a conversation is worth having. (It usually is — that's what the free eligibility check is for.)

Faster than you might expect. On this project, once you complete payment the land's SHM goes through balik nama — the title transfer at the notaris — into your name immediately. The building's certificate follows later, once it's issued. A practical consequence: the BPHTB transfer tax you pay at the start is calculated on the land, with the building portion following when its certificate does. We'll walk you through the sequence at the notaris stage.

Yes. With KPR, the property you're buying is the collateral — the bank holds the SHM certificate until the loan is fully repaid. You normally don't need to pledge any other asset.

Some banks will consider documented rental income as part of your capacity; others weigh it lightly or not at all. Your primary income carries the assessment. If you're counting on projected rental income from the villa itself to qualify — most banks won't accept that, so plan around your existing income.

Yes. The booking fee — IDR 20–25 million depending on the scheme — is fully refundable for any reason within the 7-day cooling period, and refundable if the bank rejects your KPR application. Outside those cases, the developer's standard terms apply.

We work with the developer's partner banks, and which one fits you best depends on your situation — especially if your income is overseas. Bank programs and rates change often enough that we'd rather tell you what's current when you ask than publish a list that goes stale.

The developer's schedule: booking fee on day 1, down payment within 14 days, KPR disbursement from around day 45. The bank's assessment typically takes a few weeks inside that window — longer when overseas documents need verifying. Nobody serious will promise you a faster clock.

Yes. Banks assess business owners on financial statements, business licences, and track record instead of payslips. The bar isn't higher, but the paperwork is different — usually two years or more of demonstrable business income.

Once the loan is running, it continues as long as you pay — you don't re-qualify after every career move, though your credit agreement may require you to inform the bank of material changes. Changing jobs before approval is different: banks like tenure, so if a move is coming, the timing of your application matters. Talk to us first.

This one deserves a careful answer. Freehold title (SHM) can only be held by Indonesian citizens. If you renounce your citizenship, Indonesian law generally requires the right to be transferred or converted within a set period — and your change of status affects the loan too. This is general information, not legal advice: if a citizenship change is on your horizon, discuss your specific situation with us and a notaris before you buy, not after.