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I disagree that much rationale is necessary. Three percent below asking after 18 days is not inherently provocative, but a detailed list of shortcomings can be. Submit a clean, documented offer and let the number speak. The seller can accept, reject or counter.

A simple spreadsheet should settle it: identical loan amount, identical comparison dates, monthly payments, upfront cash, remaining balance at each exit date, and any early-repayment cost the lender confirms. Add a no-refinance scenario as well. For anything unclear in the Indonesian...

At minimum, the quote should separate advertising and viewings, applicant screening, negotiation, document preparation or coordination, signing, deposit/payment coordination, and handover. It should name one responsible contact and state response deadlines during negotiation. Also pin down when...

Agreed on waiting for the report, though I would not automatically delay if it lists only minor items. Make a first-year cash calendar, ring-fence the emergency fund and known housing costs, then cap moving and furniture spending from what remains. If that leaves too little for an insurance...

That sounds potentially reasonable, but the total alone is less useful than dividing it into separate pots. Keep the emergency fund untouched, then allow for moving, inspection findings, the first mortgage payment, service charges and an insurance excess before setting a furniture budget...

The 175 m² size is making this less straightforward than a simple apartment-versus-townhouse comparison. Both Jakarta options are similarly priced, but their ownership risks appear in different places: the apartment shifts some work to the building management, while the townhouse leaves more...