What Should I Consider When Buying A House In Bali?

Feb 26, 2024

Last Updated on: Jul 8, 2025

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Buying a house in Bali offers a tropical lifestyle with an array of cultural attractions, a warm climate, and stunning natural beauty. However, prospective buyers should be aware of the unique property ownership laws in Indonesia, which may differ significantly from those in other countries. Navigating these regulations to find the ideal property requires a clear understanding of the available options for foreign investors, as well as knowledge of the legal framework surrounding land ownership and property rights in Bali. Explore Bali houses for sale with Exotiq Property to embark on your journey of discovering the perfect home in this captivating destination.

When considering properties in Bali, it’s important to assess various factors to ensure a sound investment. Location is paramount, as different areas offer distinct advantages depending on lifestyle preferences and investment goals. Property features, potential for appreciation, and proximity to amenities are also important considerations. Buyers should conduct thorough due diligence on the legalities of the transaction, including land titles, building permits, and zoning regulations, to ensure that their investment is protected.

Understanding Property Ownership In Bali

Understanding Property Ownership In Bali

When considering the acquisition of property in Bali, it is imperative to grasp the various ownership titles offered under Indonesian property laws and the distinctive purchasing options available to foreigners. Equally crucial is understanding the legal procedures to ensure a secure transaction.

Purchasing Options For Foreigners

Foreigners interested in Bali real estate must navigate Indonesian property laws that are designed to protect local interests. The most common route is a leasehold property, which grants the right to use the land for a term that is usually 25 to 30 years and can be extended. Alternatively, a foreigner may invest in a PMA company, which can acquire property under a Hak Guna Bangunan title. Another option is to enter an agreement with a local nominee or Indonesian nominee system, although this method involves a higher degree of risk and is less favored.

Executing due diligence is paramount before purchasing property in Bali. This involves a thorough check of the land certificate and ownership certificate, ensuring that there are no discrepancies. It is advisable to work with a reputable notary and lawyer to conduct these verifications. The due diligence process includes confirming that the building permit (IMB), PBB tax payment (property tax), and NPWP (tax number) are all in order. Prospective buyers should also use a qualified real estate agent to aid in navigating the intricacies of Bali’s property market.

Read Also: Planning A Vacation To Bali? Read This Blog!

Factors To Consider When Buying

A House In Bali

When looking to buy a house in Bali, potential homeowners need to carefully evaluate several critical aspects to ensure a sound investment. From the specific location to the financial aspects, each factor plays a crucial part in the purchasing process.

Location And Accessibility

The location of property in Bali is one of the most significant considerations. Popular areas such as Seminyak, Canggu, Ubud, Jimbaran, Uluwatu, Nusa Dua, and Sanur offer a range of options from bustling nightlife to tranquil beachfront. Proximity to beaches, zoning restrictions, road access, availability of electricity, internet, and accessibility to local communities like the Banjar (village council) is essential. For instance, Seminyak and Canggu are known for their lively scenes and surf culture, while Ubud captivates with its natural beauty and arts community.

  • Popular Regions with Unique Features:
  • Seminyak: Trendy, upscale area well-connected and with a high concentration of shops and eateries.
  • Canggu: Known for cool cafes, vibrant nightlife, and surfing spots.
  • Ubud: The cultural heart, surrounded by rice fields, and a hub for wellness.
  • Jimbaran: Offers a calmer environment with seafood restaurants and sunsets.
  • Nusa Dua: Well-organized resort area with pristine beaches.
  • Sanur: Quieter pace with a mix of traditional and modern Bali, friendly for families.

Environmental And Structural Concerns

Environmental And Structural Concerns

The dream of owning a tropical paradise comes with its environmental challenges. Bali’s climate can contribute to rust, mold, termites, and pests, which potential homeowners should consider, especially when looking at an existing home. Swimming pools may need regular maintenance due to these issues. Assessing the land size, natural orientation and views, well access, flood risk, potential drainage problems, and any setbacks from the property boundaries is crucial before making a final decision.

Environmental Factors to Check:

  • Risk of flood or water damage
  • Presence of mold or pests
  • Adequate drainage systems
  • Maintenance required for swimming pool and other amenities

Financial Implications

The financial side of buying property in Bali can be complex, particularly for foreign buyers. Understanding the types of leases and licenses required is paramount. The Bali real estate market also varies significantly, so gaining information on luxury property prices and average cost of living can inform your budget. When considering financing, options such as a mortgage from a local bank, developer financing, or making a cash payment should be reviewed. Moreover, if the purchase is for investment, evaluating potential rental income is essential.

Conclusion

When purchasing property in Bali, buyers must navigate Indonesian property laws and understand the types of property titles available to foreigners, such as Hak Pakai, Hak Milik, and Hak Guna Bangunan. It is imperative to conduct thorough due diligence, including legal checks and understanding market conditions. Considering the location and intended use of the property—whether for investment or residence—is critical. With adequate preparation and insight into the Balinese real estate market, investors can make informed decisions for successful property acquisition.

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Ankita Tripathy loves to write about food and the Hallyu Wave in particular. During her free time, she enjoys looking at the sky or reading books while sipping a cup of hot coffee. Her favourite niches are food, music, lifestyle, travel, and Korean Pop music and drama.

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BY  Ankita Mar 26, 2024

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READ MORE Best Parks In Cancun

The 4 Best Parks In Cancun You Have To Visit

BY  sagnika May 9, 2024

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Free Things To Do In Maryland: The Ultimate Maryland Trip Bucket List

BY  sagnika Oct 12, 2021

The Maryland Tourism & Travel Summit 2024, which took place from November 6th to 8th, saw the Maryland Tourism Coalition (MTC), like in the last 50 years, unite all segments of the state’s tourism and 300 delegates to develop Maryland tourism.  This event is likely to impact tourism and the state's economy. We can expect many developments in amenities and infrastructure, with names like American Airlines, United Airlines, Quality Inn, and Holiday Inn Express Easton, an IHG Hotel, participating in the event.  Further, thanks to proximity to airports like the Baltimore/Washington International Thurgood Marshall Airport (BWI), Maryland remains accessible to tourists across the globe. Moreover, the free things to do in Maryland, like  Exploring the Battle Creek Cypress Swamp or visiting the Salisbury Zoo, make Maryland a tourist’s delight. 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Visiting The Calvert Cliffs State Park Location: 0540 H G Trueman Rd, Lusby, MD Contact Number: +1 443-975-4360 Vehicle Fee: $5 for State Residents, $7 for Residents of Other States, $10 for Small Bus, $20 for Large Bus Hours Open: 7:30 AM to 5 PM Exploring the fossil-bearing Calvert Cliffs is one of the best things to do in Maryland. I loved the atmosphere and the place.  Here, the large collection of fossiliferous is known as the Chesapeake Group. Further, the cliff contains Miocene fauna.  Fossil Hunting | Know The Things To Do In Maryland Park At Calvert Cliffs State Park, you can go to the end of the red trail. There, you will find the open beach area for fossil hunting. Here, you will find fossils from the Miocene era, covering more than 600 species. Some common variations here are Miocene-era oyster shells, shark teeth, and Chesapectens, which you can hunt using shovels and sieves.  The Calvert Cliff in Maryland is mostly forested, with some ponds and wetlands. 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This narrow waterway got its name from the expensive boats parading in the evenings and during the weekend.  A visit to Ego Alley is one of the free things to do in Maryland. Here, you can soak in the Sun while gorging on local delicacies.  Further, people gather in large numbers at Ego Alley for St. Patrick's Day in March, the Annapolis Spring Sailboat Show in April, or the Independence Day Celebration in July.  5. Visiting The Beautiful Sculpture Gardens, Baltimore Museum Of Art Location: 10 Art Museum Dr, Baltimore, MD Hours Open: Monday and Wednesday to Sunday - 10 AM to 5 PM, Tuesday: Closed Entry: Free As you take a walk along the Beautiful Sculpture Gardens, you will discover close to 33 sculptures.  The sculptures here are a good mix of old and new sculptures of the last 100 years.  6. William British Planetarium  Location: 820 Commonwealth Avenue, Hagerstown, MD Hours Open: Monday-Friday (8 AM to 3:30 PM), Special Shows: Second And Fourth Saturdays (5:30-7 PM) Entry Fee: $3.75 for Adults, $2.75 for Children and Students If you love to see the stars, moon, Milky Way, and galaxy, then William British Planetarium is the place you must visit.  Enjoy an immersive planetarium show that looks back at rare classes of eruptions that have marshaled the energy that lurks. You will also be able to witness the details of the space. I enjoyed this place thoroughly because it took me back to my childhood. 7. National Aquarium Location: 501 E Pratt St, Baltimore, MD Hours Open: Monday-Thursday, Saturday, and Sunday - 9 AM-6 PM, Friday: 9 AM to 9 PM Entry Fee: Free for Children below 4 Years, $24.95 or Half Price on Fridays from 5-9 PM When you visit Maryland, you cannot miss the National Aquarium, especially its wide variety of sea creatures, such as sharks, dolphins, living reefs, and jellyfish.  It is a non-profit public aquarium known as the Baltimore Aquarium, by the locals. The aquarium's water capacity is more than 2.2 million gallons, and it ranks as one of the top three aquariums in the country. It features amphibians, reptiles, fish, mammals, and birds. 8. Harriet Tubman Underground Railroad National Park Location: 4068 Golden Hill Road, Church Creek, MD Hours Open: Tuesday-Sunday (10 AM to 4 PM), Monday Closed Entry Fee: Free Another activity that must be included in your list of things to do in Maryland is visiting the Harriet Tubman Underground Railroad National Park! 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Visiting The Salisbury Zoo Location: 755 S Park Dr, Salisbury, MD Hours Open: 9 AM to 4:30 PM Entry Fee: Free Salisbury Zoo is home to a wide range of animals, including guinea pigs, great horned owls, gopher tortoises, painted turtles, box turtles, and burrowing owls.  Salisbury Zoo is accessible, and it has wheelchair facilities to offer more inclusivity to visitors. Don’t Miss The Local Food | Best Things To Do In Maryland My best experience in Maryland was trying local food like Steamed Crabs. The place is popular in the United States for fishing and its blue crabs. The dish of steamed crabs combines spices, herbs, beer, and blue crabs. Remember to add butter along with different blends of seasoning so you will get both a spicy and savory taste. Another great thing I had was the Crab Cake. Also, don’t forget to try the Roasted Pit Beef. 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