The Foreign Installment Program Explained

Unlocking Bali Property Ownership for International Investors

Bali's real estate market has experienced record growth, but traditional financing remains difficult for non-residents. Indonesian banks do not typically provide mortgages to foreigners. That is why Kaluna developed the **Post-Handover Installment Program**.

No Indonesian Bank Account Required

Unlike typical developer payment terms that require 100% of the funds before handover, our structure allows you to pay a down payment and then pay the rest in installments for up to 4 years after you receive the keys. This means the villa can start earning rental income to help pay for its own installments.