House Buying Costs 2026: How to Calculate DP, VAT, etc - Damai Putra Group

The price printed in the brochure is not the only cost of buying a house. Beyond the unit price, buyers still need to prepare a down payment (DP), VAT (PPN), land and building acquisition duty (BPHTB), and mortgage and legal fees . For a house priced at Rp 1 billion, the taxes alone can exceed Rp 150 million. This article explains each cost of buying a house in 2026, how to calculate it, and how to save on it, including through government incentives and developer promotions. What Are the Costs of Buying a New House? When buying a new house from a developer, there are four groups of costs beyond the unit price: 1. Down payment (DP) 2. Value Added Tax (PPN) 3. Land and Building Acquisition Duty (BPHTB) 4. Mortgage and legal fees 1. Down Payment (DP) The down payment is the part of the house