Financing Comparison Tool
Compare loan options and find the best financing for your Bali property
Property Details
Property Price: $500,000
$100k
$2M
Down Payment: 30% ($150,000)
10%
50%
Display Currency
USD ($)
IDR (Rp)
Best Option (Lowest Total Cost)
Cash Purchase
Cash purchase - no monthly payments
Total Cost
$500,000
Cash Purchase
BEST VALUE
Full payment upfront
Interest Rate
0%
Loan Term
N/A years
Processing Fee
0%
Approval Time
Immediate
Payment Breakdown
Down Payment
$500,000
Processing Fee
$0
Total Cost
$500,000
Loan Terms
Max LTV
N/A%
Early Payment
N/A
Developer Financing
Purchase from developer
Interest Rate
10%
Loan Term
10 years
Processing Fee
0%
Approval Time
1 week
Payment Breakdown
Down Payment
$150,000
Loan Amount
$350,000
Monthly Payment
$4,625
Processing Fee
$0
Total Interest
$205,033
Total Cost
$705,033
Loan Terms
Max LTV
50%
Early Payment
Allowed, no penalty
Total Payments
120 months
Interest vs Price
+41.0%
Indonesian Bank - Local
Indonesian spouse or PT PMA required
Interest Rate
8.5%
Loan Term
15 years
Processing Fee
1%
Approval Time
3-4 weeks
Payment Breakdown
Down Payment
$150,000
Loan Amount
$350,000
Monthly Payment
$3,447
Processing Fee
$5,000
Total Interest
$270,386
Total Cost
$775,386
Loan Terms
Max LTV
70%
Early Payment
Allowed with 2% penalty
Total Payments
180 months
Interest vs Price
+54.1%
Singapore Bank - Expat
Minimum $100k annual income
Interest Rate
6.5%
Loan Term
20 years
Processing Fee
0.5%
Approval Time
2-3 weeks
Payment Breakdown
Down Payment
$150,000
Loan Amount
$350,000
Monthly Payment
$2,610
Processing Fee
$2,500
Total Interest
$276,281
Total Cost
$778,781
Loan Terms
Max LTV
65%
Early Payment
Allowed, no penalty
Total Payments
240 months
Interest vs Price
+55.3%
Australian Bank - Foreign
Australian citizen/PR
Interest Rate
7%
Loan Term
25 years
Processing Fee
0.75%
Approval Time
4-6 weeks
Payment Breakdown
Down Payment
$150,000
Loan Amount
$350,000
Monthly Payment
$2,474
Processing Fee
$3,750
Total Interest
$392,118
Total Cost
$895,868
Loan Terms
Max LTV
60%
Early Payment
Allowed after 5 years
Total Payments
300 months
Interest vs Price
+78.4%
Financing Tips for Bali
• Foreign buyers typically need larger down payments (30-50%)
• PT PMA company structure opens more financing options
• Singapore banks often offer best rates for expats
• Developer financing is fastest but most expensive
• Cash purchases can negotiate 5-10% discount
• Indonesian bank loans require local entity or spouse
• Home country financing may have better rates
• Consider currency exchange risk with foreign loans
• Processing fees vary widely - negotiate
• Get pre-approval before making offers