by | Mar 20, 2025 | Business
Interior Diary announces its focus on Japandi design, blending Japanese minimalism with Scandinavian coziness for timeless, balanced interiors.
This fusion style is perfect for Singapore’s compact homes, emphasizing clean lines, natural materials, and muted palettes to create airy, clutter-free spaces.
The firm tailors Japandi to local living environments, ensuring both style and functionality. Directors highlight how the design philosophy promotes calm and well-being, transforming homes into restorative sanctuaries.
With a commitment to craftsmanship and sustainable practices, Interior Diary is positioning itself as a leading voice in the Japandi movement, inspiring homeowners to embrace intentional living.
Singapore, March 19, 2025 — Interior Diary, a leading interior design firm in Singapore, proudly announces its focus on Japandi design as part of its evolution towards premium renovations. By fusing the elegance of Japanese minimalism with the warmth of Scandinavian functionality, Interior Diary is redefining contemporary living spaces, offering homeowners a sanctuary of style, serenity, and purpose.
The Rise of Japandi: A Perfect Fusion of East and West
Japandi design, a harmonious blend of Japanese Wabi-Sabi principles and Scandinavian hygge, has become increasingly popular for its ability to create calm, clutter-free spaces that are both aesthetically beautiful and highly livable. This hybrid style marries clean lines, natural textures, and muted color palettes, resulting in interiors that feel timeless, cozy, and effortlessly chic — perfect for Singapore’s modern homeowners seeking balance in their living environments.
“Japandi perfectly encapsulates what many homeowners are looking for today — a space that feels tranquil yet inviting, minimal yet full of character. It’s not just a design style; it’s a lifestyle,” says Gary Ng, Director of Interior Diary.
Tailoring Japandi for Singaporean Homes
Singapore’s compact living spaces make Japandi an ideal design choice. The style’s emphasis on thoughtful curation, multifunctional furniture, and maximizing natural light aligns perfectly with the needs of HDB flats (like this 4 room HDB in the North West of Singapore) and condominiums. Interior Diary expertly adapts these principles, crafting homes that feel spacious, breathable, and connected to nature — even in the heart of the city.
Key design elements include:
Natural Materials: Soft woods, stone, rattan, and linen to create an organic, grounded feel.
Neutral Palettes: Earthy tones like beige, taupe, and soft greys, accented by muted greens and blues.
Clean Lines & Minimalist Layouts: Uncluttered spaces with sleek, functional furniture to promote flow and openness.
Handcrafted Touches: Artisan ceramics, paper lanterns, and simple decor that add personality without overwhelming the space.
“We love how Japandi allows us to create homes that are not only visually stunning but also deeply restorative. It’s about stripping away excess and focusing on what truly enhances your daily life,” shares Steven Loh, Co-Director of Interior Diary.
Premium Craftsmanship & Thoughtful Design
Interior Diary’s commitment to quality craftsmanship and attention to detail make it the perfect partner for homeowners seeking to bring Japandi into their living spaces. From selecting sustainable materials to working with skilled artisans, the firm ensures every project reflects the authenticity and artistry that define Japandi design.
The team takes a holistic approach, considering everything from lighting and spatial flow to texture and sensory balance. The result is a cohesive living environment that feels effortlessly polished yet invitingly personal — a place where every element serves a purpose and contributes to a greater sense of harmony.
Sustainable Living Through Design
Japandi’s focus on natural materials and longevity aligns with Interior Diary’s commitment to sustainable design practices. The firm carefully sources eco-conscious materials and advocates for quality, timeless pieces over mass-produced trends. This ensures that the spaces they create are not only beautiful but also environmentally responsible and built to last.
A Leading Voice in Japandi Design
As Japandi continues to captivate design enthusiasts globally, Interior Diary aims to be a leading voice for this movement in Singapore. The firm plans to host open houses, collaborate with local artisans, and share educational content on social media to inspire more homeowners to embrace the beauty of simplicity and intentional living.
By championing Japandi in Singaporean homes, Interior Diary hopes to shift the conversation around interior design — encouraging people to see their homes not just as places to live, but as sanctuaries that nurture well-being, creativity, and meaningful connections.
by | Mar 20, 2025 | Business
Indonesia, with its stunning landscapes and rich cultural heritage, has become an attractive destination for foreign property investors. Whether you’re a tourist enchanted by the country’s beauty, an investor looking for lucrative opportunities, or a retiree seeking a serene abode, Indonesia offers a range of property options to suit your needs. This guide aims to provide an in-depth look at foreign property ownership in Indonesia, highlighting recent regulatory changes, investment requirements, and the advantages of using professional services to navigate the process.
In recent years, Indonesia has made significant strides in simplifying the process for foreigners to own property. In this article, you will be informed about the property ownership in Indonesia as well as how you can purchase the property in Indonesia.
Types of Property Ownership in Indonesia
1. Hak Pakai (Right to Use)
Hak Pakai is a legal framework that allows foreigners to own property in Indonesia under the “right to use” title. This type of ownership is typically granted for an initial period of up to 30 years and can be extended. It is particularly popular among expatriates and retirees who wish to live in Indonesia long-term as this can be owned by foreign individuals.
The ownership of the Right to Use can be granted to the individual foreigners with certain requirements and limitations such as the minimum amount of transaction, the maximum size of the land, and the possession of the Temporary Stay Permit (KITAS) and Permanent Stay Permit (KITAP). These amounts vary depending on the location and type of property. Generally, urban areas and prime locations require higher investment amounts compared to rural or less developed regions.
Under Right to Use, the foreigner can own a house or residence in the form of a landed house or commercial apartment. The subsidized apartments are prohibited to be owned by foreigners so that you can only buy a commercial apartment. Meanwhile for the landed house, there are minimum requirements as below:
A house with a luxury house category in accordance with the provisions of the legislation; you may anticipate a regulation in each region/province/city to set out the minimum price of a luxury house category.1 (one) plot of land per person/family. In terms of having a positive impact on the economy and social, the landed house can be granted for more 1 (one) plot of the land or more than 2.000m2with permission from the Minister; and/orThe maximum land area is 2,000 m2 (two thousand square meters).
If the land title of the landed house is freehold title or right to build, the foreigner must change the land title to right to use by making an agreement with the owner of freehold title regarding the granting of the right from the owner of freehold title to the foreigner before Land Deed Official (Pejabat Pembuat Akta Tanah / PPAT). Such agreement shall be registered to the Indonesian Land Agency (BPN) so that BPN will issue the Right to Use Certificate in the name of the foreigner.
2. Hak Guna Bangunan (Right to Build)
Hak Guna Bangunan grants foreigners the right to build and develop on state-owned land. This title is usually valid for 30 years and can be renewed. This type of property ownership can only be owned by an Indonesian legal entity (PT PMA) and cannot be held by foreign individual. Although it cannot be owned by foreign individual, owning property through a PT PMA is the most preferred choice by foreigners as there is no restriction/requirement as mentioned in the section 1 above. The structure of ownership through a PT PMA might be different from one another. Therefore, it is best to discuss how to set up the property ownership with the expert to avoid any legal issue in the future.
Benefits of Using Our Company for Property Purchase
1. Expertise in Company Formation
For those looking to purchase property through a company, we offer expert services in company formation. This can be a strategic approach to property ownership, providing additional flexibility and potential tax benefits.
2. Navigating Legalities and Paperwork
The legal landscape of property ownership in Indonesia can be daunting for foreigners. Our company specializes in handling all legal aspects, ensuring that the process is smooth and compliant with local regulations. From obtaining necessary permits to finalizing transactions, we manage every detail.
CPT Corporate handle property purchases from simple to complex transactions. We assist with house residency, villas and hotels throughout Indonesia.
Addressing Common Concerns for Foreign Property Buyers
Language Barriers:Language can be a significant barrier for foreigners in Indonesia. Our team bridges this gap, ensuring clear communication and understanding throughout the property buying process.Legal Complexities:The legal complexities of foreign property ownership can be overwhelming. Our experienced legal team simplifies these complexities, providing clear guidance and handling all necessary legalities.Cultural Differences:Cultural differences can pose challenges in any international transaction. We offer cultural consultancy services to help you navigate and respect local customs, ensuring a smooth and respectful process.Call to Action: Ready to explore property ownership in Indonesia? Contact us today for a consultation, and let us help you find your dream property. Visit our website to browse our listings and learn more about our comprehensive services.
Frequently Asked Questions
- What is Hak Pakai and how does it work?
Answer: Hak Pakai, or “right to use,” allows foreigners to own property in Indonesia for an initial period of up to 30 years, with the possibility of extensions.
- Can foreigners buy land in Indonesia?
Answer: Foreigners cannot directly buy freehold land in Indonesia, but they can obtain property rights such as Hak Pakai or Hak Guna Bangunan (through PT PMA).
- What are the minimum investment requirements for foreign property ownership?
Answer: Minimum investment amounts vary by location and property type, generally higher in urban and prime areas.
- Is it necessary to form a company to buy property in Indonesia?
Answer: While not always necessary, forming a company can provide additional flexibility and benefits for property ownership.
- How can your company assist with property purchase?
Answer: We offer comprehensive services, including land due diligence, legal assistance, company formation, and connections with trusted real estate agents and developers.
Conclusion
Navigating foreign property ownership in Indonesia is made easier with the right guidance and professional assistance. With recent regulatory changes, a variety of property rights options, and our comprehensive support services, owning property in Indonesia is now more accessible and secure. Whether you’re looking to invest, retire, or simply enjoy a slice of paradise, Indonesia offers unparalleled opportunities. Contact us today to start your journey towards owning property in this beautiful and dynamic country.
Discover the seamless process of foreign property ownership in Indonesia with our expert services. From navigating legalities to connecting with trusted real estate agents, we ensure your investment is secure and stress-free. Learn more about how we can assist you by visiting our website
by | Mar 19, 2025 | Business
Discover expert Bitcoin price predictions for 2025. Will BTC surge past $100,000? Explore historical trends, market analysis, and key investment insights to navigate Bitcoin’s volatile yet promising future.
Bitcoin has followed a clear boom-and-bust cycle, historically driven by its “halving” events. This pattern sees Bitcoin’s price roughly doubling due to the reduction in new Bitcoin issuance, fueling massive price swings.
While narratives and external events influence short-term fluctuations, this fundamental supply shock remains a key driver of Bitcoin’s price movement.
The cyclical nature of Bitcoin has played out multiple times. Each cycle begins with a strong rally, peaks with investor exuberance, and then declines as market corrections occur.
Bitcoin’s role as a store of value, especially in times of geopolitical and economic uncertainty, further impacts its price dynamics.
However, past cycles have demonstrated that despite external disruptions, Bitcoin eventually returns to its predictable halving-driven patterns.
BTC Current Market Overview
As of the latest data, Bitcoin is trading at $84,782.14 with a 3.91% increase in the past week alone.
The cryptocurrency has demonstrated resilience, with a 5.49% gain over the last month, adding an average of $3,833.37 to its price.
Bitcoin remains the number one ranked cryptocurrency, with a circulating supply valued at $1.37 trillion.
Bitcoin Price Forecast for 2025
According to technical analysis, Bitcoin is projected to experience significant growth in 2025. Below are the expected price movements across different months:
1. March 2025: Expected price range: $83,640.49 – $100,238.04
2. April 2025: Expected price range: $100,235.29 – $111,019.25
3. May 2025: Expected price range: $88,026.11 – $98,663.81
4. June 2025: Expected price range: $91,475.18 – $96,286.43
5. July 2025: Expected price range: $93,540.68 – $111,536.16
6. August 2025: Expected price range: $99,639.80 – $101,080.89
7. December 2025: Expected price range: $65,732.26 – $83,427.50
These estimates indicate that Bitcoin could reach a peak of $111,536.16, while its lowest expected price hovers around $65,732.26.
Historical Bitcoin Trends
Bitcoin has seen extraordinary growth since its inception in 2009. Below are some key milestones:
1. 2009-2013: Bitcoin started at $0.0001 and reached over $1,000 by the end of 2013.
2. 2014-2017: Following a crash due to the Mt. Gox collapse, Bitcoin rebounded to $19,000 by late 2017.
3. 2018-2020: After a bear market, Bitcoin regained momentum, surpassing $28,949 in December 2020.
4. 2021-2023: Bitcoin reached an all-time high of $68,000 in November 2021, followed by volatility due to macroeconomic factors.
5. 2024: Bitcoin experienced a massive rally, crossing $100,000, driven by institutional adoption and favorable policies.
Investment Considerations
With Bitcoin’s historical patterns and current market conditions, should investors consider buying Bitcoin in 2025? Here are key considerations:
1. Volatility: Bitcoin remains a highly volatile asset. Past cycles show price surges followed by corrections.
2. Institutional Adoption: More financial institutions are embracing Bitcoin, adding legitimacy and stability to its price.
3. Regulatory Environment: The U.S. government’s stance on Bitcoin, particularly under a new administration, could significantly impact its value.
4. Portfolio Diversification: Investment firms like BlackRock suggest allocating 1-2% of a portfolio to Bitcoin as a hedge.
Conclusion
Bitcoin’s price in 2025 is expected to fluctuate significantly, but historical trends suggest continued long-term growth.
Investors must weigh risk factors against potential returns, staying informed about regulatory developments and market cycles.
Whether Bitcoin reaches its ambitious projections or experiences corrections, it remains a key player in the financial landscape.
by | Mar 19, 2025 | Business
The financial landscape is changing, and Australian Broker Company is leading the charge. Officially launched on March 5, the company is setting a new benchmark in lead generation, providing brokers and small-to-medium enterprises (SMEs) with high-quality, targeted leads. By combining cutting-edge technology with deep industry insights, Australian Broker Company is transforming how brokers connect with clients—making the process faster, smarter, and more effective.
Innovation
Australian Broker Company was founded to transform lead generation for brokers, using cutting-edge technology to deliver high-quality, targeted leads. The company utilises advanced data analytics, AI, and automation to streamline the lead-generation process, ensuring brokers receive only the most relevant prospects. This technology-driven approach saves time and resources and boosts conversion rates by connecting brokers with clients actively seeking financial solutions.
Its seamless integration with major aggregator platforms and their advanced CRM system gives brokers an all-in-one lead generation tool to effortlessly track, manage, and nurture leads. Its AI-powered SMS bot instantly connects with potential clients, qualifying them in real time so brokers only engage with serious prospects. The AI-driven appointment booking system takes the hassle out of scheduling, ensuring smooth interactions and fewer missed meetings.
Peta, CEO of Australian Broker Company, explains what sets their platform apart:
“Technology is a game-changer in lead generation, and at Australian Broker Company, we’re making it work smarter for brokers. Our AI-driven system doesn’t just collect lead-it analysis data in real time to deliver high-quality, high-converting prospects. With 2025 set to be the year of voice agents, brokers can leverage this next wave of innovation to engage with clients faster and more effectively. No more chasing dead-end leads—our intelligent CRM ensures brokers focus on the right opportunities. This is the future of lead generation, and it’s happening now.”
Mandeep Sodhi, Founder and CEO of Effi, commented on the partnership:
“Effi has been partnering with high-traffic websites like comparison websites and property portals to generate leads for over a year. Whilst we were able to generate quality home loan leads, we realised that some brokers need more support and hands-on tips and training on how to engage online leads that are different to ones referred by their clients or partners and have the trust built already. In our discussions with Australian Broker Company, it was clear that they really understood the dynamics of the online leads and how to have a process and support in place to drive better conversion to settlement and build trust with online leads as trusted mortgage brokers. We are excited about this partnership with Australian Broker Company.”
Why It Started
Australian Broker Company was born out of many brokers’ frustration—wasting time on poor-quality leads that never convert. The industry was flooded with generic lead-generation models that left brokers chasing dead ends rather than closing deals. Recognising the need for a more innovative, more efficient solution, Australian Broker Company set out to change the game. The mission was simple: build a system that delivers only high-quality, pre-qualified leads, allowing brokers to focus on what they do best—helping clients secure financial solutions.
The financial services industry is highly competitive, and many brokers find it difficult to source reliable, high-converting leads. Recognising this ongoing challenge, Australian Broker Company was created to provide a more innovative, results-driven solution.
The company’s mission is simple:
Reduce wasted time on low-quality prospects
Delivery leads to a balanced relationship with broker expertise and services
Use data-driven insights to improve efficiency and accuracy
Why Voice Agents Are a Game Changer for Australian Broker Company and Mortgage Brokers Australian Broker Company was born out of many brokers’ frustration—wasting time on poor-quality leads that never convert. The industry was flooded with generic lead-generation models that left brokers chasing dead ends rather than closing deals. Recognising the need for a more innovative, efficient solution, Australian Broker Company set out to change the game. The mission was simple: build a system that delivers only high-quality, pre-qualified leads, allowing brokers to focus on what they do best—helping clients secure financial solutions.
With 2025 set to be the year of voice agents, Australian Broker Company is taking lead generation to the next level. AI-powered voice agents are a game changer for brokers, streamlining how they engage with clients and making the lead qualification process more efficient. Here’s how:
Instant, High-Quality Lead Engagement
Speed is crucial in lead conversion. Australian Broker Company’s voice agents engage with leads instantly, responding the moment an inquiry is made. They answer initial questions, qualify prospects in real time, and ensure brokers only spend time on serious, high-intent clients—no more cold leads—just ready-to-convert opportunities.
24/7 Availability & Consistency
Traditional lead follow-up is limited by working hours, but AI-driven voice agents operate around the clock. Whether a potential client reaches out during business hours or late at night, the voice agent delivers consistent, professional, and compliant responses every time. This means no lead gets ignored or delayed.
Smarter Lead Qualification & Filtering
Instead of wasting time on unqualified leads, Australian Broker Company’s AI voice agents pre-screen, and filter prospects based on their financial situation, interest level, and eligibility. This ensures that brokers only engage with clients looking for economic solutions—eliminating time-consuming, low-value interactions.
Seamless Appointment Booking
Coordinating meetings is often a frustrating back-and-forth process. AI voice agents can schedule appointments automatically, send reminders, and reschedule if needed. This reduces no-shows and smooths the process for brokers and clients.
Compliance & Accuracy
Mortgage broking is a highly regulated industry, and compliance is critical. Australian Broker Company’s AI voice agents ensure that every interaction follows compliance guidelines, provides accurate information, and records conversations for future reference. This reduces human error, improves consistency, and gives brokers added peace of mind.
Scalability & Efficiency
For brokers and businesses looking to grow, voice agents provide an unmatched level of scalability. They can handle thousands of conversations simultaneously, removing bottlenecks in the lead-generation process and ensuring no missed opportunity. This allows brokers to focus on closing deals rather than chasing leads.
Personalised Client Experience & Data Insights
Australian Broker Company’s AI voice agents don’t just automate conversations—they personalise interactions based on previous engagement, financial needs, and preferences. This helps build stronger client relationships while generating valuable data-driven insights that brokers can use to refine their sales strategies.
This is Just the Beginning
The way brokers generate leads is changing forever—and Australian Broker Company is leading the charge.
With smart technology, AI-driven automation, and an unwavering commitment to innovation, this company is giving brokers the tools, insights, and opportunities they need to succeed in a rapidly evolving market.
The future of mortgage broking is here. Are you ready to be part of it?
by | Mar 19, 2025 | Business
IUX, a global digital trading service, continues its impactful partnership with SOS Children’s Villages Pilipinas through the “Giving Hope a Chance” initiative, supporting the education and development of youth in Calbayog City, Philippines. IUX’s donation of school supplies, academic materials, and career development resources has helped children. The initiative also includes child protection programs, financial literacy training, and workshops on resume writing and career mapping, equipping the youth with skills for future success. IUX remains committed to fostering long-term positive change and empowering communities through education and holistic care.
Calbayog City, Philippines – IUX, a global digital trading service, proudly announces the positive impact of its latest Corporate Social Responsibility (CSR) initiative in partnership with SOS Children’s Villages Pilipinas. As part of its ongoing commitment to sustainable community development, IUX’s recent donation is bringing hope and tangible change to underprivileged children and youth in Calbayog City, Philippines.
The collaboration, under the project titled “Giving Hope a Chance – A Partnership for the Filipino Children and Youth”, has already produced significant outcomes, particularly in education and youth development. IUX’s grant has provided critical resources such as school supplies, tutorial support, and essential academic materials, directly benefiting children residing in SOS family houses.
Children like Katarina from the Oiestien family house, who dreams of becoming a teacher, and Jared from the Sebjourn family house, who aspires to be an architect, are flourishing thanks to the sustained educational support. Their academic progress, alongside their siblings and peers, is a testament to the power of collective action. “I love learning and helping my siblings with their homework. My dream is to become a teacher and help others learn,” Katarina shared, reflecting the transformative potential of the initiative.
Beyond education, IUX’s donation has fueled key developmental activities. During National Children’s Month 2024, SOS Children’s Village Calbayog hosted an array of enriching programs promoting child protection, health awareness, and personal growth.
IUX’s contribution also bolstered career development for the Family Strengthening Program (FSP) STEAM students through specialized training on resume writing, career mapping, and interview preparation. Additionally, financial literacy sessions have equipped senior high school and college students with essential money management skills, reinforcing IUX’s mission to empower youth with tools for long-term success.
“IUX believes in building futures beyond borders,” said a representative from IUX. “Our partnership with SOS Pilipinas reflects our commitment to nurturing young minds and strengthening communities through education, skills development, and holistic care.”
With visible improvements in academic performance, increased participation in community activities, and enhanced well-being among the beneficiaries, IUX remains dedicated to supporting vulnerable communities in their journey toward a brighter future.
For more information about IUX’s CSR initiatives, please contact: IUX
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