AJB (Akta Jual Beli)
Deed of Sale
Agunan
Collateral: Something pledged as security for repayment of a loan
Amortisasi
Amortization: Process of decreasing a loan by paying a certain amount of principal and interest
rate regularly over a period of time.
Anuitas
Annuity: Periodic pay out of funds or obligation for a period of time
Angsuran Tetap
Fixed Installment: A fixed payment amount at a specified date
Arus Kas
Cash Flow: The movement of money into and out, showing funding sources and uses of funds
Booming
A period of high increase in investment activity
BBN (Bea Balik Nama)
Cost of name changing
BPHTB (Bea Perolehan Hak Tanah dan Bangunan)
Cost of land and building acquisition rights
BPN (Badan Pertanahan Nasional)
The National Land Agency
Floating rate
The interest rate changes periodically with the market
Gain
Profit from sales
IMB (Izin Mendirikan Bangunan)
Building Permit
Indent
Purchase by booking in advance
KPR (Kredit Kepemilikan Rumah)
Housing loan
KPA (Kredit Pemilikan Apartemen)
Apartment Ownership Loan
KDB (Koefisien Dasar Bangunan)
Building Coverage Ratio: Ratio between ground floor area of the building and the lot area in
accordance with the city plan
KLB (Koefisien Lantai Bangunan)
Ratio between building floor areas and the lot area in
accordance with the city plan
NJOP (Nilai Jual Objek Pajak)
Sales Value of the Tax Object
NPWP (Nomor Pokok Wajib Pajak)
Taxpayer Identification Number
PPh (Pajak Perolehan penghasilan)
Income tax
PBB (Pajak Bumi dan Bangunan)
Property tax
PPJB (Pengikatan Perjanjian Jual Beli)
Sale and purchase agreement
PPN (Pajak Pertambahan Nilai)
Value Added Tax
Refinancing
Paying off an exising loan with the proceeds from a new loan
Rusunami (Rumah Susun Sederhana Milik)
Subsidized flats
Rusunawa (Rumah Susun Sederhana Sewa)
Rental flats
SBDK (Suku Bunga Dasar Kredit)
Prime loan interest rate
SPPT (Surat Pemberitahuan Pajak)
Notice of tax
SIUP (Surat Izin Usaha Perdagangan)
A license to undertake business activities
SHGB (Sertifikat Hak Guna Bangunan)
Building utilization right
SHM (Sertifikat Hak Milik)
Certificate of ownership
SPOP (Surat Pemberitahuan Objek Pajak)
Notice letter of tax object
