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Bali Real Estate Buying Guide - FAQ

Updated: May 27

Welcome to Navigate's Comprehensive Guide to Buying Real Estate in Bali

At Navigate, we pride ourselves on providing transparent information and full-service assistance to those looking to invest in Bali's vibrant real estate market. Whether you're seeking a home to live in or an investment opportunity, our guide covers everything you need to know.


Make sure you read to the bottom where you'll find forms to complete. We'll then match you to the available opportunities that align with your requirements.


Frequently Asked Questions


1. Why Invest in Bali Real Estate?

Bali is renowned for its stunning landscapes, vibrant culture, and thriving tourism industry. Investing in Bali real estate offers numerous benefits:

  • High Rental Yields: With year-round tourism, rental properties can yield substantial returns.

  • Lifestyle Appeal: The island offers a unique blend of luxury, relaxation, and adventure.

  • Growing Market: Bali's real estate market continues to grow, presenting numerous opportunities for capital appreciation. Although there is talk of oversupply, experts predict that growth will continue for the foreseeable future. Bali's appeal spans all demographics and remains comparably inexpensive compared to other parts of the world.

2. Can Foreigners Buy Property in Bali?

Yes, foreigners can purchase property in Bali, but there are specific regulations:

  • Hak Pakai (Right to Use): Allows foreigners to lease land for an initial period of up to 30 years, extendable for 20 years, and another 30 years.

  • PT PMA (Foreign Investment Company): Foreigners can set up a PMA to acquire the Hak Guna Bangunan HGB (Right to Build) which is valid for 30 years, extendable for 20 and 30 years.

  • Leasehold: Foreigners can lease property for a fixed term, typically 25-50 years, with options to extend.

3. What Types of Properties are Available?

Bali offers a diverse range of properties:

  • Villas: Ideal for both residential living and rental investment.

  • Community Living: Villas and complexes with shared resources

  • Commercial Business: Retreats, hotels and beach clubs

  • Land: We only sell land in areas with the correct zoning and encourage regenerative / sustainable style development

  • Apartments/High Density housing: This is available in Bali but due to a market that will become oversaturated we not recommend or represent these properties


4. What Should I Consider When Choosing a Location?

Bali is divided into several popular areas, each offering distinct benefits:

  • Seminyak: Known for upscale dining, shopping, and nightlife.

  • Canggu/Pererenan: Popular with expats and surfers, offering a mix of rural charm and modern amenities.

  • Ubud: Cultural heart of Bali, famous for its arts, yoga, and serene environment.

  • Uluwatu: Offers stunning beaches and a surfer lifestyle. There are no mainstream schools in the area.

  • Sanur: Known to cater for retirees and younger families.

5. How Do I Ensure the Legitimacy of a Property?

To ensure a safe and secure purchase:

  • Engage a Reputable Agent: Navigate provides expert guidance through the entire buying process.

  • Legal Due Diligence: Hire a qualified notary or legal professional to verify property documents and ensure compliance with Indonesian law.

  • Check Zoning Regulations: Ensure the property is zoned for its intended use.

6. What are the Steps to Buying Property in Bali?

Here’s a step-by-step overview:

  1. Initial Consultation: Discuss your requirements and preferences with Navigate.

  2. Property Search: We’ll help you find properties that meet your criteria. Be specific with your search criteria to avoid confusion.

  3. Viewings and Negotiations: Arrange property viewings and negotiate terms.

  4. Legal Checks and Documentation: Conduct due diligence and prepare necessary documents.

  5. Signing the Agreement: Sign the sale and purchase agreement or lease agreement.

  6. Payment and Transfer: Complete payment and transfer the property title or lease.

7. What are the Costs Involved?

Consider these costs when purchasing property in Bali:

  • Purchase Price: The main cost of the property.

  • Notary Fees: Typically 1-1.5% of the property value.

  • Taxes: The buyer doesn't have to pay buyer’s tax

  • Legal Fees: Varies depending on the complexity of the transaction.

8. How Can Navigate Assist Me?

Navigate offers comprehensive services to ensure a smooth buying experience:

  • Personalised Consultations: Tailored advice based on your goals.

  • Property Tours: Guided viewings of selected properties.

  • Legal and Financial Advice: We will recommend legal and financial professionals.

  • Post-Purchase Support: Assistance with finding the right property management company, rentals, and resale.



10. What Should I Do Before Starting the Search?

Before you start looking for a property, ensure you are ready to transact:

  • Consult a Tax Advisor: Get professional advice on your tax situation and best purchasing vehicles.

  • Seek Legal Counsel: Set up a company structure, like a PT PMA, if necessary.

  • Prepare Documents: Have your passports and other necessary documents ready.

11. What is the Process for Making an Offer?

When you find a property you like:

  • Make an Offer: Agree on terms that you can adhere to without needing amendments.

  • Provide Documentation: Submit copies of passports and a signed offer letter.

  • Engage a Notary: Your notary will prepare an Intent to Lease/Purchase (ITL/ITP) document.

  • Pay a Deposit: Typically 5-10% of the sale price, refundable only if due diligence fails.

  • Complete Due Diligence: Usually completed within 4 weeks.

  • Final Payment: Pay the balance upon successful completion of due diligence. If there’s a payment structure, follow the agreed schedule.

12. How Do We Ensure Fair Deals?

At Navigate, we ensure fair deals by:

  • Selective Listings: We only handle properties that meet high standards for revenue potential, build quality, and charm, or those with renovation potential.

  • Professional Opinion: We don’t circulate properties that don’t show value for incoming buyers.

  • No Off-Plan Sales: We avoid off-plan opportunities unless they are nearing completion to ensure reliability or we know the developer is credible and experienced.

13. What is Navigate's Philosophy on Property Sales?

Buying a property in Bali can seem daunting, but with the right guidance, it can be a smooth and straightforward process. We believe purchasing should be an opportunity to be embraced, not exploited. Our goal is to facilitate fair and efficient transactions, ensuring that both parties are satisfied with the outcome.

15. How Do I Get Started?

Getting started is easy. Complete the relevant form below with as much detail as possible and we will send you properties that match your needs or contact via the following channels.



At Navigate, our mission is to help you make informed decisions and find your perfect property in Bali. Contact us today to begin your journey to owning a piece of paradise.

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