The best villas in Bali never make it to portals. We have access to them. You get 8–15% net returns.

Yes, Polish investors can legally own property in Bali, but the ownership structure differs from Poland's. The most common forms are the right to use (Hak Pakai – for land) and the right to own the building (Hak Milik – limited for foreigners). For larger investments, a PT PMA company (a foreign capital company) is established, which can own land under freehold title (Hak Guna Bangunan). All these options provide full control over the property and the ability to profit. Our job is to select the optimal and fully legal structure.

This is one of the key areas where we add value. The process consists of several stages: 1) Property reservation and signing a letter of intent. 2) Legal and financial due diligence of the developer and the land (verification of land titles, permits, debts). 3) Signing a preliminary agreement (SPJL) before a notary. 4) Transferring the deposit to an escrow account. 5) After construction completion (or immediately for ready-made projects) – signing the notarial deed (AJB) transferring the ownership right. An independent notary oversees the entire process.

We're talking about investments starting from $100,000 – $150,000. With this amount, you can find interesting rental apartments in a good location. For a villa with a private pool and higher value growth potential, you should expect a budget of $250,000 and up. However, more important than the price itself is the legal security and potential of the location – and that's our role.

The real returns on short-term rentals in managed projects that we've analyzed range from 8% to 14% per year (net after management costs). These are conservative values, based on historical data from recent years and tourism growth forecasts. However, it's important to remember that key profits often come from the appreciation of the property itself, which in popular locations can grow by several to over a dozen percent annually. Our ROI analyses always present optimistic, realistic, and pessimistic scenarios. The average capital payback period is currently 7-8 years.

It depends on your strategy. Leasehold (a lease for 25-30 years) is cheaper upfront and often offers higher rental returns, but after the lease period the property reverts to the landowner. Freehold (ownership, usually through a PT PMA) is more expensive and legally more complex, but the property becomes a family asset for generations that can be resold for greater profit. We advise on both paths depending on your budget and goals. Contracts with an option to extend for another 30 years are increasingly common, giving a total of 60 years of security.

A Polish real estate agency in Bali is an intermediary. Bali Capital Partners is your investment partner. We don't work on commissions from a single developer's sales. Based on a strategic conversation with you, we select projects from across the island that match your risk profile and capital goals. We're on your side of the table – we care about due diligence, legal structure, and long-term value.

Safety is our foundation. Risks exist – as with any investment in any market. We minimize them by: verifying developers (history, completed projects, financial situation), checking the legal status of the land, recommending the use of an escrow account, which protects the investor's payments, and analyzing contracts for clauses unfavorable to the buyer. We don't eliminate market risk, but we eliminate legal and developer risk.

In addition to the property price, you need to add: notary fees and taxes (approx. 5-7% of the transaction value), transfer fees (if applicable), due diligence costs (if we commission additional audits), and our fee for comprehensive support and selection. We communicate all costs transparently at the very beginning of our cooperation.

Obtaining a mortgage from an Indonesian bank is very difficult for a foreigner. Cash financing is the market practice. Sometimes developers offer installment payments during construction (0%). Alternatives are self-financing or a loan secured against a property in Poland.