🏡 Bali’s First Home Credit Program

Get financing for up to 60% of your villa’s value — or refinance your property equity

Available for fully built, freehold villas only (SHM/SHGB). Locals & PMA-holding foreigners welcome.

🛠️ How It Works

1. Choose a Unit
   Any fully built, freehold villa in Bali (bring your own or choose from our “Credit Available” listings).

2. Due Diligence
   Our legal & risk teams handle all checks: title, zoning, inspections, and borrower profile.

3. Buy with Credit
   Pay 40% down. Move in. Pay the rest monthly (up to 7 years). Seller receives 100% upfront.

👤 Who Is This For?

👥 Buyers

• Finance up to 70% of villa price

• Both primary and secondary homes

• For locals & foreigners with PMA

• SHM / SHGB only

• Choose from our listings or bring your own

🏠 Sellers / Property Owners

• Get 100% of sale price upfront

• Embed credit offering on your villa listing

• Refinance your freehold property to unlock capital

• We manage buyer risk — stress-free

🧱 Developers

• Embed credit into your ready villa inventory

• Offer flexible payment options for faster sales

• Refinance completed villas to fund your next project

🏢 Real Estate Agencies

Join our growing network of realtors offering embedded buyer credit:

🤔 FAQs

📌 Which properties are eligible for financing?

📌 Why Home Credit?

• ✅ Just 40% downpayment to move in

• 💡 Refinance existing properties

• 🔁 Use on primary + secondary units

• 🌍 Available to locals & foreigners with PMA

• 📆 Flexible terms: up to 7 years

• ❌ No leasehold / no off-plan accepted

📌 I’m a foreigner — can I apply?

Yes, if you own a PMA (foreign-owned company) in Indonesia and generate sufficient income.

➡️ Book a Free Consultation

📌 I’m overseas with no PMA — can I still get financing?

Not through this program.
But we’ll connect you with offshore mortgage partners across multiple countries.

✅ Ready to Buy or Refinance?

➡️ WhatsApp Us
➡️ View Credit-Available Villas