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This is because house prices in rural areas and big cities, especially crowded cities, are expensive.
So it depends on your choice and the location you desire the prices can vary significantly even though the houses are almost the same in the city, as rural areas naturally have different prices.
I believe that in rural areas, housing prices are indeed affordable, especially for finished or ready-to-move-in homes.
IDR 120,000,000 plus a little more is considered luxurious, even if the interior isn't 100% complete.
Therefore, the price listed by the owner is still very feasible, as it's not densely populated.
In my area, this price still requires monthly installments, as the lowest price is IDR 300,000,000.
In Indonesia, because it's such a vast country, prices vary from region to region, province, or city. So, Indonesians shouldn't be surprised by these differences. However, there are still many affordable and very cheap houses here. Although the quality of the construction materials may not be as good as expected, it depends on the price. Generally, the more expensive, the better.
I checked a website that advertises houses and found a house for IDR 100,000,000. For those who are curious, I've attached a picture. And I don't think it's too bad.

Sourch Link:
https://www.rumah123.com/properti/bandung/hos19582349/
That would be better. Building a house isn't as easy as it seems at first. And it requires patience. The stress isn't just about the cost, but also about the workers we hire who don't perform as expected. So sometimes I have to supervise to ensure everything always goes according to plan.
This is one of the reasons why I am not considering building from scratch. If you don't have time to supervise the workers, they will be irresponsible, cheat you and even steal some building materials. In my location, workers are so fraudulent that you need to be in the building site to checkmate them.
Yes and I also designed the shape of my own house. So making sure everything matches the drawing I made really means that I sometimes have to go into the field if there are some details that the worker doesn't understand. And all of that will be difficult to do for someone who doesn't have much time because they are busy working.