We are close to deciding whether to proceed, and the difficult part is not the mortgage but how much cash we would lock away afterward. Once the deposit and estimated closing expenses are paid, about IDR 472,700,000 should remain.
That money would cover the move, essential furniture, service...
First ask for the exact title and the ownership route being proposed. Until those are clear, a percentage estimate for closing costs may be misleading. I would also request separate lines for buyer costs, seller costs, registration, notary work and annual charges rather than one bundled figure...