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The Down Payment Gift Letter is a crucial document in Indonesian property transactions where one party provides financial assistance to another for property purchase. It addresses the increasing trend of family members helping with property down payments, particularly in Indonesia's growing real estate market. The document serves multiple purposes: it satisfies bank requirements for mortgage applications, complies with Indonesian gift (hibah) regulations under the Civil Code, meets anti-money laundering requirements, and provides clear documentation for tax purposes. The letter is particularly important in Indonesia where gift transactions must be properly documented to comply with both banking regulations and civil law requirements. It typically includes detailed information about the donor and recipient, specific gift amount, property details, clear statements about the gift's non-repayable nature, and declarations about the legitimate source of funds.

1. Date and Location: Current date and place where the letter is executed

2. Donor Information: Full legal name, address, and contact information of the person giving the gift

3. Recipient Information: Full legal name, address, and contact information of the person receiving the gift

4. Gift Amount Details: Specific amount being gifted, currency, and form of transfer

5. Property Information: Details of the property for which the down payment is being gifted

6. Gift Declaration: Clear statement that the money is a gift and not a loan, with no expectation of repayment

7. Source of Funds Declaration: Statement regarding the legitimate source of the gifted funds

8. Signatures: Space for donor's signature, date, and witness signatures