Mirailand Blog

10 July 2026

Floating vs Fixed Mortgage Rates: Which One Should You Choose When Interest Rates Are Rising?

There are two main types of mortgage (KPR) interest rates: fixed and floating. Both have very different characteristics and suit different financial situations. This article helps you choose clearly based on real conditions — not just the lowest number on a bank's marketing brochure.

09 July 2026

BI Rate Hike: What Does It Mean for Your Mortgage Installments?

Bank Indonesia recently raised the BI Rate, and the impact is immediately felt on floating-rate mortgage installments. Learn what you need to do now — from evaluating your interest rate type to considering a mortgage take over to a bank with a more competitive offer.

29 June 2026

Why Do Many People Choose Long-Term Fixed Rates When the Economy Is Unstable? 📉🏡

Lately, many people have started noticing their mortgage installments slowly increasing. At first it may still feel safe and light, but after a few years, the installment amount starts to change and feels heavier than before. One common cause is the change from fixed interest to...

26 June 2026

Tips for Negotiating Price with Developers: Timing, Bundling, and Payment Schemes

Developer prices are more negotiable than you might think — and it's not just about discounts. Take advantage of soft launch and end-of-quarter timing, facility bundling, flexible down payments, and unit upgrades to get the best value.

23 June 2026

How Much Are the Extra Costs When Buying a House? A Complete List Beyond the Sale Price

The house price is only part of your total spending. BPHTB, notary fees, AJB, KPR provision and insurance, down to the name transfer, can add a significant percentage. Here's the full list with illustrative examples to keep your budget realistic.

21 June 2026

How to Check Property Legality Before Buying: SHM, HGB, and IMB

Buying a property with problematic legal status can cost you hundreds of millions of rupiah. Understand the difference between SHM, HGB, and IMB/PBG, how to verify certificate authenticity at the BPN, red flags to watch for, and the difference between AJB and PPJB.

18 June 2026

Off-Plan vs Ready-to-Move Homes: Pros, Risks, and Tips for Choosing

Off-plan homes are usually cheaper but carry the risk of delays and quality issues. Ready-to-move homes offer certainty but with limited choices. Understand PPJB vs SHM, how to assess a developer's track record, and when to choose each.

16 June 2026

Property Investment in Semarang: Which Areas Have the Most Potential in 2025–2026?

Mijen, Ngaliyan, Genuk, and Ungaran each have different growth stories. An objective review of infrastructure factors, land prices, and rental yield potential for those buying property as an investment, not just a home.

13 June 2026

5 Documents You Must Prepare Before Applying for a Mortgage (KPR)

Mortgage applications are often delayed simply because documents are incomplete. Here's a checklist of required documents — including the differences between salaried employees and self-employed applicants — so your application goes smoothly from the start.