Mirailand Blog

23 July 2026

PPh and BPHTB: A Property Tax Guide for Home Buyers in Indonesia

Every property sale-and-purchase transaction in Indonesia is taxed from two sides: the seller pays Final PPh on the transfer, while the buyer pays BPHTB on the acquisition of rights. Learn how to calculate it, the payment procedure, and the right timing so there are no costly surprises at the notary's desk on signing day.

22 July 2026

Boarding Houses as a Passive Investment: Do the Math Before You Buy

Boarding houses are often called the ideal passive income — buy once, collect rent every month. The reality is a bit more complex. The boarding house business can be very profitable, but only if the numbers truly add up and you're realistic about what's involved. This article guides you through the calculations...

20 July 2026

Property Investment in Semarang: Which Areas Are Most Promising Right Now?

Semarang is growing rapidly with new infrastructure, expanding business districts, and steady population growth. But not all areas are growing at the same pace. This article maps out market dynamics and pockets of interest for property investors with a medium-term perspect...

19 July 2026

Indent vs Ready Stock: Which Is More Advantageous for Buyers in Semarang?

Buying an indent (pre-order) home means a lower price but a wait of one to two years. Ready stock is more expensive but can be occupied right away. The right choice depends on your financial situation, risk tolerance, and purpose for buying — this article helps you think clearly...

17 July 2026

SHM vs HGB: The Land Status Difference You Must Understand Before Buying

SHM and HGB are the two most commonly encountered property certificate statuses. Both carry very different implications for ownership security, ease of getting a mortgage, and future resale value. Here's what you need to clearly understand before deciding to buy any property.

16 July 2026

Hidden Costs When Buying a House That Are Almost Always Underestimated

The price on the brochure isn't the number you actually pay. There's BPHTB, notary fees, bank provision fees, insurance premiums, and other costs that can total tens of millions on top of the down payment. Know all these components before you sign anything so there are no costly surprises at the notary's desk.

15 July 2026

KPR (Mortgage) Document Checklist: Make Sure Nothing Is Missing Before You Go to the Bank

A rejected KPR application is often not because income is insufficient, but because documents are incomplete or inconsistent with one another. Use this checklist before heading to the bank and significantly increase your approval chances right from the start of the process.

13 July 2026

Complete KPR (Mortgage) Guide for First-Time Home Buyers in Semarang

Buying your first home with a KPR (mortgage) can feel confusing if you don't know where to start. This article guides you from the very first step — calculating your affordability, choosing a bank, preparing documents — through to the moment you receive the keys, with context specific to Semarang's property market.

12 July 2026

Mortgage Take Over: How to Move Your Mortgage to Another Bank and Save Millions of Rupiah

KPR take over is the option of transferring your loan from one bank to another that offers a lower interest rate. The process isn't complicated if you know the steps — and the potential savings on installments can be quite significant over the remaining tenor, especially when interest rate conditions are shifting like they are now.