Markets

Buying and renting a home in Indonesia

Coverage: Tier 3: guide and links to local portals
Prices in: IDR
Floor area in: square metres

Each fact below links to the official page it comes from. We have not finished testing this market yet, so confirm anything important with the source or a local lawyer.

Homes in Indonesia are listed on

Homejourney does not list homes in Indonesia yet. Prices on these sites are in IDR.

Who may buy

Only Indonesian citizens may hold freehold title (Hak Milik), so a foreigner cannot own land outright (Basic Agrarian Law, Article 21).
Source: Basic Agrarian Law 5/1960, via Ministry of Finance JDIH (opens in a new tab) · Checked 11 November 2026
A foreigner with an Indonesian immigration document may own a landed house on right-of-use (Hak Pakai) land, or an apartment unit held as strata title (Article 185).
Source: Ministry of Agrarian Affairs regulation 18/2021 (ATR/BPN JDIH) (opens in a new tab) · Checked 11 November 2026
A foreigner may own only a luxury-category landed house, on one plot per person or family of at most 2,000 m², or a unit in a commercial-category apartment building. A separate decree sets the minimum price (Article 186).
Source: Ministry of Agrarian Affairs regulation 18/2021 (ATR/BPN JDIH) (opens in a new tab) · Checked 11 November 2026

Purchase taxes

The buyer pays land and building acquisition duty (BPHTB) of up to 5% of the price or value; each local government sets its own rate.
Source: Directorate General of Taxes (opens in a new tab) · Checked 11 November 2026
Through December 2026, the government pays the VAT on a new, ready-to-live-in house or apartment priced up to Rp5 billion; above Rp2 billion, part of the VAT is still charged. A foreigner with an Indonesian tax number who may own the home qualifies (PMK 90/2025).
Source: Directorate General of Taxes (opens in a new tab) · Checked 11 November 2026

Loan limits

Bank Indonesia lets banks that meet its bad-loan criteria lend up to 100% of a property’s value for every property type. The rule was due to end on 31 December 2026 and now runs to 31 December 2027.
Source: Bank Indonesia, Board of Governors press release (opens in a new tab) · Checked 11 November 2026

Renting

A foreigner living in Indonesia may hold a lease right (Hak Sewa) to build on land owned by someone else, paying the owner rent (Basic Agrarian Law, Articles 44 and 45).
Source: Basic Agrarian Law 5/1960, via Ministry of Finance JDIH (opens in a new tab) · Checked 11 November 2026