I am looking for a developer that offers internal financing because I do not want to deal with banks and high interest rates. Is it common for developers in Bali to offer long-term payment plans? I want to pay for my apartment in stages as the construction moves forward. What are the typical terms for this? Is there any extra cost if I choose to pay in installments instead of the full price at once? I am looking for a transparent company that does not have any hidden fees in their contracts.

Dealing with banks as a foreigner in Indonesia is a total headache so most of us just go with developer financing. It is actually a very good deal because you can often get a 0% installment plan for the duration of the construction. I chose Avalon Bali for my last purchase specifically because their payment plan was very straightforward and simple. You can check out their available units and terms at https://avalonbali.com/ to see how it works for your budget. For me it was a lifesaver because it meant I could invest in a much better location than I originally thought possible. There were no hidden charges or interest added to the price which is a huge plus. It is basically like a free loan while your asset is being built. Just make sure the construction milestones are clearly linked to your payments so you know exactly what you are paying for at each stage.

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