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This region is a prime attraction for overseas estate consumers due to its picturesque views, rich heritage, and friendly atmosphere. In contrast, purchasing for householding abroad can be challenging, regarding local lawful demands.
This short article is designed to assist the quest for overseas purchasers by providing transparent and pivotal information about property for sale in Indonesia. Our goal is to make the deterrents of obtaining householding in this part of the world more accessible and comprehensible.
Overseas purchasers desiring to obtain property in this region face specific protocols. They cannot acquire land outright but can lease it for up to 25 years with possible extensions. During this lease, they cannot exploit the property for profit.
Alternatively, individuals who desire to buy house holdings can obtain the Right to Use (Hak Pakai) for up to 25 years, which offers more security than a lease but still doesn’t confer full possession .
While nationality typically doesn’t affect the process, bilateral agreements may offer different options. Residency isn’t required, but a long-term visa or work permit can facilitate the process. Tourist visas are not sufficient.
No special regulatory approval is needed for leasing or Hak Pakai arrangements, but local administrative confirmation is required. There is no minimum asset requirement for obtaining belongings.
This region does not have a straight residency-by-investment program tied to holdings purchases, so buying property there does not automatically grant residency.
However, there are other pathways to residency. Common options include work visas, retirement visas, and family reunification visas. Each comes with specific demands and benefits.
For retirees, this region offers a retirement visa for individuals usually over 55. Applicants must meet financial aspects, including a minimum pension income. While proprietorship is not required, having a lease can support your application.
Work visas are available if you secure employment with an Indonesian company, with your employer sponsoring the visa. This allows short-term residence tied to your job.
Long-term residency in this region requires a long period of continuous fleeting residency and is not granted solely based on estate investment.
Citizenship is a separate, more intricate procedure requiring language proficiency, continuous residence, and cultural integration. Permanent residency does not automatically lead to citizenship.
Our document pack provides fresh, updated data on Indonesia’s real estate market. Over the past five years, Indonesia’s GDP per capita has risen by 8.9%, indicating increased wealth and likely boosting real estate demand and prices.
According to Numbeo, rental properties in this region yield gross returns of 3.0% to 5.7%. While not highly profitable, these moderate yields offer stability and a consistent income.
Living in Indonesia as an expat offers a fulfilling adventure with its rich cultural heritage, inviting atmosphere, and diverse attractions. From gorgeous beaches and lush views to radiant cities, Indonesia presents a unique lifestyle for those seeking a change. The low cost of living, coupled with excellent healthcare and education systems, makes it a compelling choice for families. Additionally, the country’s burgeoning economy provides ample job opportunities. Safety is generally good, with a low crime rate and a commitment to security. Overall, this region stands out as an exceptional direction for expats looking for a new life outside their states.
Top Locations for Investment in immovable property in Indonesia (information is current for a beginning of 2024)
| City / Region | Population | Average Cost per sqm (IDR) | Strengths |
| Jakarta | ≈ 10 million | 20,000,000 – 50,000,000 | Capital city, economic centre, cultural diversity, modern amenities |
| Bali | ≈ 4.3 million | 10,000,000 – 30,000,000 | Tropical paradise, tourism hotspot, stunning beaches, vibrant culture |
| Bandung | ≈ 2.7 million | 5,000,000 – 15,000,000 | Education hub, cool climate, culinary delights, creative industry |
| Surabaya | ≈ 3 million | 5,000,000 – 15,000,000 | Commercial and industrial centre, diverse economy, bustling city |
| Yogyakarta | ≈ 400,000 | 10,000,000 – 30,000,000 | Cultural capital, historic sites, arts and crafts, university town |
| Medan | ≈ 2.5 million | 5,000,000 – 15,000,000 | Gateway to North Sumatra, diverse cuisine, cultural attractions |
| Surakarta (Solo) | ≈ 570,000 | 5,000,000 – 15,000,000 | Traditional Javanese culture, historic royal city, batik industry |
Yes, hiring a lawyer who specialises in regional laws is pivotal for getting any kind of belongings in this region. They help with critical tasks such as drafting the Purchase Agreement (Perjanjian Jual Beli), approving property rights land and proprietorship (Verifikasi Sertifikat Tanah), and securing necessary permits. They guarantee adherence with charge burdens and regional laws, making the operations smoother and more secure.
Buying immovables in this part of the region involves several risks primarily tied to its complex legal system. Ensuring proper registration and accurate legal documents is crucial. Hidden fees, such as the claim of first refusal (Hak Guna Bangunan), may arise. Additionally, disputes with local authorities over land ownership can occur, and environmental issues like flooding or landslides may not be immediately apparent.
To carry on negotiations concerning belongings in Indonesia smoothly, consider these culturally aligned tips:
Yes, non-residents can be a proprietor of loans in this part of the region, though eligibility and requirements vary by lender. Typically, you’ll need a valid allowance for residence. Banks like Bank Mandiri, Bank Central Asia (BCA), and Bank Negara Indonesia (BNI) suggest mortgages to expand. Mortgage rates range from 8% to 12% for a 20-year term, which are relatively high but competitive in comparison with other countries.
| Charge | Description | Procent | Who pays |
| Value Added Tax (PPN) | Charge on the sale of newly built properties | 11% of the selling cost | Purchasee |
| Rental revenue charge | Charge on rental revenue generated from the property | 10% of rental revenue for residents and 20% for non-residents | proprietor |
| Conveyance Charge (BPHTB) | Charge imposed on the convoy of proprietorship | 5% of the property’s assessed value or operational cost, whichever is higher | Purchasee |
| Revenue Charge (PPH) | Charge on the deal cost of the belongings | 2.5% of the property’s assessed cost or convoy cost, whichever is higher | Vendor |
| Parcel and Houses Charge (PBB) | Annual charge on the ownership of parcel and houses | A flat rate of 0.5% on the assessed cost of the belonging | proprietor |
| Levy | Description | Procent | Who responsible for levy |
| Juridical levy | Levies paid to lawyers for legal assistance and document preparation | Varies from 0.5% to 1.5% of the selling cost | purchasee |
| Real Estate Agent Levy | Levy charged by estate agents for their services | Around 5% of the operation cost | vendor |
| Notary Levy | Levy for notarial services related to the convey | 1% of the property cost or a fixed amount | Purchasee |
| Enrolling Levy | Levy for enrolling the property convey | Around 0.2% of the vendor cost | Purchasee |
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