Free Bali Real Estate Seminars - Laws for Foreigners and How to Earn 10 % to 20 % per YR.

Whether you are a buyer, seller, broker, agent, investor, lessor or renter you can benefit from attending one of our two free Real Estate Seminars in Bali and Jakarta next month.

At these seminars PT. B.A.L.I’s Canadian President, Lawrence, a 22 yr. Bali resident, President of 14 yr. old company with 135 staff, married to Azizah, a fully Licenced Notaris will review the most recent real estate laws for Indonesians and Foreigners in detail.

Then they will also provide a full colour audio, visual presentation with many professional charts on the Past, Present, and Future of Bali Real Estate.

Free Seminar Schedules:

(1) Location: Jakarta, Indonesia, Le Meridien Hotel.

Dates & Times:

1. Thursday - Nov. 1st. 6:30 PM - 7:45 PM

2. Saturday - Nov. 3rd. 2:00 PM - 3:15 PM

Location: Jl. Jend. Sudirman No.Kav. , Kota Jakarta Pusat, Daerah Khusus Ibukota Jakarta 10220 Telepon: (021) 2513131

Limited Seating & Free Parking:

Seating is very limited for these free seminars so please avoid disappointment and make reservations A.S.A.P. Click Here For a Reservation Or Email: or Tel: Office: 62-361- 284069 For Bahasa English 62-8123814014 – Bahasa Indonesia or 62-8123632177

( 2) Location: Sanur, Bali, Emerald Villas,

Dates & Times:

1. Thursday - Nov. 8th. 6:30 PM - 7:45 PM

2. Saturday - Nov. 10th. 2:00 PM - 3:15 PM

Location: Bali, Emerald Villas, Jl. Karangsari, # 5, Sanur, Bali, Indonesia.

Limited Seating & Free Parking:

Seating is very limited for these free seminars so please avoid disappointment and make reservations A.S.A.P. Click Here For a Reservation Or Email: or Tel: Office: 62-361- 284069 For Bahasa English 62-8123814014 – Bahasa Indonesia or 62-8123632177

    Seminar Topics:

    At these seminars you will learn about:

    • The Past, Present and Future of Bali, Indonesia, Asian and Australian real estate.
    • Why a recent official clarification of foreign ownership laws allows foreigners to totally control Indonesian properties for up to 80 years without leases?
    • How to avoid legal problems and make sure a property is safe.
    • How to avoid complicated real estate laws affecting Indonesians married to foreigners.
    • Why this is the second best time to buy this century.
    • Where are the best locations to buy for maximum profits?
    • What type of properties will offer the best investment potential of *10% to 20 % per year?
    • Discover how you can sell your property fast for the highest prices and lowest commissions on a brand new web site designed after the largest most successful real estate site in America with high tech search features.
    • An opportunity for a free listing on B.A.R.E. First Class Beachfront property at almost 50% discount.
    • A Quality 5,000 m2 Bali Hotel with 12 bungalows, 3 pools and Restaurant for only $588,000.
    • Low cost properties with Luxury Villas starting as low as $158,000 for a three bedroom 650 m² 3 bedroom, 4 bath with private 9 mtr. Pool.
    • Ridiculously low priced ocean view building lots starting as low as $25,000 for 500 m².
    • Brand new Bali Luxury Retirement Villas starting at $208.00 per mth.

      Limited Seating & Free Parking:

      Seating is very limited for these free seminars so please avoid disappointment and make reservations A.S.A.P.

      For Jakarta Seminars Sign up Here :Click Here For a Reservation

      For Bali Seminars Sign up Here :Click Here for Reservation

      Or Email: or Tel: Office: 62-361- 284069 For Bahasa English 62-8123814014 – Bahasa Indonesia or 62-8123632177

      Thursday, 11 October 2018

      Australian House price debate goes from if they'll fall to by how much

      By business reporter Michael Janda

      Updated 19 Jun 2018, 9:09pm
      PHOTO: As auction clearance rates fall, economists expect home prices to keep following. (ABC News: Angela Lavoipierre)
      RELATED STORY: Housing market drops for first time in 6 years, driven by Sydney and Melbourne
      RELATED STORY: Investor retreat from housing market continues

      There are few topics more contentious amongst economists, and at barbeques, than the direction of Australian home prices.

      But 2018 has marked a dramatic shift in that discussion, at least amongst the economists and likely at the barbeques as well.

      In the years between 2012 and 2017, most of the conversation centred on how high home prices could rise.

      Late last year discussion heated up on whether they might fall.

      Now that all the major indices are showing falling prices, with leading indicators like housing finance and auction clearance rates showing no signs of a bounce, 2018 has moved on to a discussion of how far house prices will fall.

      The latest official Bureau of Statistics figures show residential property prices fell 0.7 per cent in the March quarter, led by the first quarterly price decline in Melbourne for five-and-a-half years and the first annual slide in Sydney in six years.
      PHOTO: The ABS home price index for the March quarter 2018 shows the biggest declines in Sydney, Darwin and Perth. (Supplied: ABS)

      Nationally, property prices are still up 2 per cent on the March quarter last year but, judging by more current CoreLogic figures, this is likely to tip into declines within the next quarter or two.

      Housing outlook for 2018
      Australia's once booming east coast markets started weakening in the second half of 2017, and most analysts tip more of the same.

      Economists and property analysts are scrambling to adjust their forecasts to catch up with the reality around them.

      SQM's Louis Christopher threw in the towel on his more optimistic forecasts last month, although the revised 4 per cent 2018 slide for Sydney and up to 3 per cent for Melbourne still look on the rosier side given recent data.

      ANZ was another institution that expected price falls, if any, to be very modest and short-lived.

      That has changed with an updated forecast released on Tuesday that predicts Sydney and Melbourne prices may decline about 10 per cent from peak to trough, with smaller falls expected in most other cities except Canberra and Adelaide, both tipped to outperform.
      PHOTO: ANZ house price forecasts predict the biggest falls over the next two years for Sydney and Melbourne. (Supplied: ANZ)

      Former ANZ economist, now at Macquarie, Justin Fabo, on Monday released his own note on home prices, also forecasting a peak-to-trough fall in Sydney of about 10 per cent, leading national falls of between 4-6 per cent over the next couple of years.

      The note, co-authored with Ric Deverell, pointed out that, despite falling 4.5 per cent since the peak last year, Sydney home prices are still up 66 per cent on their last trough in 2012.

      It also noted that Australia is no stranger to moderate home price falls after previous booms, with half a dozen other such corrections since 1980.
      PHOTO: Australia has had seven national home price corrections since 1980 and all have been moderate. (Supplied: Macquarie)

      Macquarie's economists noted that the biggest of these was an 8 per cent slide and most of the corrections had followed a rise in interest rates, something that is unlikely "anytime soon".
      Have we passed peak 'credit crunch'?

      However, not all analysts remain as sanguine about the fall in home prices.

      The economists and banking analysts at UBS have been forecasting similar moderate falls in Australian home prices to Macquarie and ANZ.

      New home buyers' credit crunch
      Home buyers could see their borrowing capacity cut by as much as 40pc due to reforms likely to be driven by the Hayne Royal Commission

      But they see the potential for much more severe falls due to the home loan restrictions being imposed by the banking regulator APRA, and amid the fallout from the financial services royal commission, which effectively accused the major banks of breaching responsible lending laws by lax testing of borrowers' ability to repay their home loans.

      On Monday, those UBS analysts put out a note warning that limits on debt-to-income ratios (DTIs) would further constrain mortgage lending and, therefore, home prices.

      UBS said APRA is looking at limiting the proportion of loans going to borrowers who have more than six times their annual income in debts.

      Given that the typical Sydney home is currently nine times the median income, while Melbourne is at eight, UBS argued such a limit would almost inevitably put further downward pressure on home prices as many potential buyers would not be eligible for a loan that was large enough.
      PHOTO: If debts were limited to six times incomes, then people on typical incomes could not afford typical homes in Sydney and Melbourne. (Supplied: UBS)

      ANZ's analysts agree that it is tighter loan restrictions that are pushing home prices down.

      "We believe the current cycle is being driven by tightening credit availability, rather than rising interest rates, which have shaped previous cycles," they wrote.

      "Investors in particular are finding it harder to access credit, given ongoing policy changes across the lenders.

      "We find that if changes to lending policies cause a 10-15 per cent decline in new loan sizes, this implies a 5-10 per cent year-on-year fall in prices."

      However, the bank argues that prices would actually be rising if it was not for the lending crackdown, due to strong employment and economic growth and continued low interest rates.

      Why housing should worry us
      It's misguided to be certain that the Australian housing market will crash, but folly to be sure it won't, writes Michael Janda.

      Macquarie's analysts argue that most of the credit tightening that is likely to occur already did between 2015-17.

      "We don't see strong incentives for banks to noticeably restrict housing credit against a relatively positive macro [economic] backdrop and given that a large share of their profits (and balance sheets) rely on housing lending," they observed.

      In fact, given that home prices have been declining at a moderate 3 per cent annualised rate nationally and 4 per cent in Sydney, Macquarie believes this is a healthy correction.

      "While market corrections are always worrisome for some, we think the regulators would be largely delighted with the orderly cooling of housing markets so far," they noted.
      Gotta have faith

      But Macquarie's analysts do still see one major risk that could transform a moderate correction into a more severe price fall.

      Economics of a housing bubble
      Bubbles are a confidence game that relies on a powerful narrative capturing people's imagination and persuading them their turn will be different, writes Timo Henckel from ANU.

      "If households were to lose faith in housing markets, given current elevated prices (particularly in Sydney), the demand for credit (particularly by investors) could fall more than we currently expect," they warned.

      "The main thing to fear for Australian housing is fear itself."

      For those who have been warning of an Australian housing bubble (myself included) this is a clear sign we are in one.

      If the market was not irrationally overvalued, there would be plenty of cashed-up value investors, not to mention would-be owner-occupiers, to step in and buy as prices fell.

      But if the main thing holding up demand and prices for expensive homes in Sydney and Melbourne is a belief that a large price fall is not possible, then you are firmly in bubble territory.

      Topics: housing-industry, economic-trends, australia

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