How Much Does It Cost to Finish a New Home After Handover? A Realistic Guide for 2026

First-time homebuyers in Indonesia are often caught off guard after handover, not because the unit is bad, but because they didn't budget for what comes next. A new house from a developer typically comes in "standard condition": basic paint, tiled floors, electrical and plumbing installed. But "standard" is a long way from comfortably livable.

So, the costs after handover tend to add up fast. This guide gives you an honest breakdown, not the optimistic version from a sales brochure, but a realistic one that helps you actually plan.

Why Does a New House Need Renovation?

Developers build to the specifications written in the sale-purchase agreement (PPJB). That covers things like floor tiles, wall paint, door and window frames. What it doesn't typically include:

• Kitchen cabinets or a fitted kitchen, almost never included unless explicitly stated
• Air conditioning units, you're installing those yourself
• Carport and front garden, usually just bare land
• Fencing, either absent or only a basic boundary structure
• Built-in wardrobes, curtains, mirrors, all on you
• Repainting if you want anything other than the default white or off-white

Developers aren't being stingy, they're building to a contract standard, and everyone's taste is different. It's just the reality of how new housing works in Indonesia.

Cost Estimates by Work Category

The figures below are rough estimates for a 2-storey, 70 m² house in the Bekasi area as of 2026. Actual costs will vary depending on your choice of materials and contractors:

Work Category	Estimated Cost
Standard kitchen set (upper + lower cabinets, HPL finish)	Rp 8–15M
Air conditioning installation (3 units)	Rp 9–15M
Carport (concrete or paving block)	Rp 5–10M
Front fence (hollow iron or basic wrought iron)	Rp 4–10M
Interior repaint (custom colour or double coat)	Rp 3–6M
Front garden + soil fill	Rp 2–5M
Extra electrical (water pump, additional sockets)	Rp 2–4M
Built-in wardrobe / curtains / accessories	Rp 5–12M
Total Estimate	Rp 38–77 million

That Rp 38–77 million range covers a basic but comfortable setup, not luxury, but genuinely livable. If you want a custom kitchen, more AC units, or a covered carport, expect to go above Rp 100 million.

Priority Order: What to Do First?

If budget is tight, sequence the work by functional urgency, not aesthetics:

1. Air conditioning, most impactful for daily comfort. Bekasi gets hot. Sleeping without AC in a new house is rough.
2. Basic kitchen setup, at minimum the lower cabinets so you can cook. Upper cabinets can come 3–6 months later.
3. Carport and fence, for daily function and basic security. The garden can wait.
4. Water pump and extra sockets, you'll feel the need once you've moved in. Best done in one contractor visit alongside other electrical work.
5. Aesthetics (wallpaper, accent colours, built-ins), do these gradually. No need to rush.

With Rp 25–30 million available, focus on AC, the kitchen essentials, and the carport. The rest can be added over time. Plenty of families live in a house for a year or two while slowly finishing it, that's completely normal.

What's Already Included at Kingspoint?

For Kingspoint Residence buyers, the Rumah Emerald 70 is handed over with standard tiles, interior and exterior paint, full electrical installation (distribution board and light points), and complete plumbing and sanitation. Aluminium windows and wooden doors are fitted.

So the most common post-handover additions for Kingspoint buyers are AC units, a kitchen setup, and carport finishing, all personal choices that vary by household. Our sales team can usually recommend local AC and kitchen vendors around Bekasi Utara at competitive rates if you need a starting point.

Plan for It Before You Sign

The most common mistake: buyers spend everything on the down payment and mortgage fees, then realise there's nothing left for renovation. The house sits half-finished for months, uncomfortable, and psychologically it makes every mortgage payment feel heavier.

The smarter approach is to build renovation costs into your total home purchase budget from the start. If DP + mortgage fees + notary costs are already pushing the limit of your savings, that's a signal to either negotiate harder on the price or save a bit longer before booking.