Wednesday, 15 January 2020

Should I Buy a Bali Property as and Investment in 2020

Every time a new year comes around, we hear the question “is this a good year to buy property?” 

The right time to buy property is based more on your finances than the 
overall marketHome buyers should exclude the “fortune telling” portion from considerations

To use the old 80/20 model, the correct time to buy property is 80 per cent based on your personal finances, and 20 per cent based on market conditions. 

Let’s look at some reasons why:
Successful property investment mostly comes down to holding power
Timing the market is really difficult
Exceptions are all over the place

1. Successful property investment mostly comes down to holding power

Property isn’t like cash or gold, in that it keeps costing you money when you hold on to it. 

You need to pay maintenance fees (typically $400 -$600 0er mth), for common areas, property taxes,  and other upkeep costs.

Holding power is your ability to, well, hold on to the property without selling it; even in the face of all those bills. 

For example, if you’re depending on a tenant’s rental income to cover the loan repayments, then you don’t have holding power. You’ll need to sell fast, and probably at a loss, if the rental market goes sour.

It also means your long term plans aren’t derailed by financial emergencies. If you get retrenched, and have to settle for a lower income, you won’t end up rushing to offload your home during a property market downturn.

Very often, a property investment doesn’t go wrong because of the “the market”. It goes wrong because of medical emergencies, under-insurance, divorce, etc. These things will trash your property investment, even in a bull market.
2. Timing the market is really difficultBy the time you get the news, it’s likely too late to buy or sell for the profits

Unless you have a quality data source, you can’t really time the market (some investors will argue you can’t really time it, even with the data).

Just reading URA data and news reports aren’t enough – by the time you get those reports, the market’s already changed (i.e. you’ll only know the market for condos is spiking after the prices have risen, causing the news to report it and URA data to show it. If you buy then, you’ll be buying at a higher price).

Also, timing the property market means making two correct decisions, not one. A lot of buyers conveniently forget it’s not just about buying at the right time. You need to buy at the right time, and also sell at the right time.

For example, if your condo appreciates 15 per cent in the next five years, is that the right time to sell and cash out? Or should you wait longer? If you sell now, you might miss the boat when prices soar even higher in the next five years. Properties don’t work like equities where you can, say, sell half and hold half when the price rises. You either sell your home or you don’t, and that makes timing tricky.
3. Exceptions are all over the place
Most buyers are concerned with just the specific unit they’re buying; but that unit’s appreciation may not follow the wider market

There are units that will sell for an insane price regardless of market conditions, just because the buyer’s an owner-occupier who doesn’t care about appreciation or rental yields. 

There are units that you’ll struggle to sell, even when former owners in the condo explain how they “right sized” and gargle with bird’s nest every morning.

The many exceptions make difficult to answer general questions like “is 2020 a good time to buy property”…the answer will depend on which specific unit you’re buying. e.g. 

So in many cases, asking if “Should I Buy a  Bali Property as and Investment in 2020 the wrong question. 

You’re better off looking at fundamentals, such as the unit’s distance to the beach. Anymore than a 10 min walk not across a busy road will improve your changes of renting in Bali. 

For this reason, the right time to buy is when you’re financially prepared; not when “the market” seems right

Your personal finances, more than the market, should dictate the right “time to buy”

A prudent buy is a home that doesn’t exceed five to seven times your annual household income. Ideally, the loan repayment – along with any outstanding debts – shouldn’t exceed 40 per cent of your monthly household income (even if the legal limit is 60 per cent).

 You should aim to set aside at least six months of expenses (including the home loan repayments) in an emergency fund.

If you can meet the above criteria, you’ll probably never regret your property purchase – even if you don’t buy at the exact cheapest point (or sell at the most expensive point). 

But if you overstretch yourself, there’s a high chance you could end up with a fire sale, offloading the property urgently and at cost.

So this year, if you’re buying your first home, worry less about the market and more about your personal finances.

Are you intending to buy property his year? 

Looking for a property? Find the home of your dreams today on

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Click here to see full video on Bali Luxury Retirement Villas.

Pretty well everything you need to know including location, prices, and designs plus information on Bali and Bali retirement visas is available on our web site

The information is available on our website:

Features of © Bali Luxury Retirement Villas starting as low as * $184,888

• 100% legal for foreigners.
• Includes leases totaling 80 yrs.
• Private carport included.
• Private 8 m (27 Ft.) pool** for leisurely laps.
• Only 200 Mtr. To a fabulous beach, restaurants, beach clubs.
• Great investment for you and your heirs.
• Private Housekeepers & drivers, only $200 MTh.
• Healthcare at a fraction of Western costs.
• Brand-new hospital within five minutes.
• Award-winning international Airport 35 min.
• Proximity to Sanur, Ubud, Denpasar.
• Walking distance to affordable restaurants and beach clubs
• Shared low costs of pool man and gardeners.
• Minuscule monthly common area fees.
• Managed by 15-year-old, Hall of Fame award-winning management company
• *Price of the least expensive villa in U.S.D. after $10,000 Discount for the first two villas only. Subject to change without notice.

• **Eight-meter first-class swimming pool Only U.S.D. $28,888 Extra

Developed and managed by 15-year-old Hall of Fame award-winning Bali company

Our 15-year-old Bali company Pt. Bali Affordable Lifestyles International (PT. B.A.L.I.) with over 100 + staff and thousands of satisfied clients guarantee completion of any villas purchased now in 2020. 

We are a Ten-Year Consecutive “Certificate of Excellence” recipient on the Worlds Largest Travel Site and was awarded their "Hall of Fame Award", in 2019. This is awarded to only 2 % of the Hotels & Villas listed on TripAdvisor Worldwide"


These villas offer you an opportunity to own a luxury home on arguably the Best Island in the world with some of the greatest weather, lowest cost of living, clean air, and friendliest people.
Profit Now Move in Later:

You may not be ready to pack up and move to Bali in the next few years.
So, you may purchase now at these ridiculously low prices and we can normally rent them out for you for a monthly income of $1,500 to $2,000 U.S.D. per month. 

Our 15-year-old “Hall of Fame” the award-winning management company that manages villas for V.I.P.s such as the former director of General Electric and Ritz Carlton can provide substantial net monthly income to supplement your pension while providing a carefree rental unit. 
Confused? We understand that you may have concerns that we may not have even thought of, so feel free to ask whatever questions you wish.
We do not want you to even think about purchasing our © Bali Luxury Retirement Villas unless you are 100% convinced that they are safe, and perfect for you and your family.

Limited Offer: Save $10,000:

As with any new project we are anxious to sell the first few villas.
We have one already on hold and are only willing to offer one other villa at a $10,000 discount. First come first serve.
Free Stay in Luxury Estate:
If you wish to fly over and see the location first after you place a USD 2,000 Deposit we will offer you free accommodations in a 4 bdrm. 5 bath luxury beach view estate with a private 14 m pool for three days within walking distance of the location.

When you decide to conclude the purchase, we will extend the free estate accommodation for an additional four days.

Should you decide not to continue with the purchase we will refund your $2,000 Deposit minus $200.00 for the three-day stay.
Thank you for taking the time out of your busy schedule to review this information and information on the website. If there is any further information we can provide you please do not hesitate to ask.

Cheers, THE SALES TEAM © Bali Luxury Retirement Villas

PLEASE CALL OR EMAIL US: Tel: 62-361-284069 Mobile or Whatsapp 62-812-3814014 Email:

P.S. We also have several larger villas available from two-bedroom starting as low as $158,888. The leases on these units vary from 34 years to nine years remaining.
Starting as low as $158,888.

Are you tired of traditional investments such as banks and bonds that only offer 1%- 6% per year, which may not keep pace with the real inflation?
Do you want to become rich the way over 60 % of self-made multi-millionaires did?

“Become rich the way over 60 % of self-made multi-millionaires did?”

According to PT. B.A.L.I., one of Bali's leading real estate experts for the past 14 years, who have thousands of satisfied clients, this is the “Second best time to purchase Bali Real Estate this century”.
White House
“Second best time to purchase Bali Real Estate this century”.

They believe that recent clarification of Bali real estate laws for foreigners allowing them to obtain control of Bali Real Estate for more than normal life is creating a huge new demand for Indonesian and Bali Real Estate.

Coupled with the fact that Bali Real Estate has recently undergone the first correction in modern history with prices down as much as 50 % this may have set the stage for *increases of 20 % to 100 % in the next three to five years.

Free Bali Real Estate Seminar Video: 
Whether you are a buyer, seller, broker, agent, investor, lessor or renter you can benefit from viewing PT. B.A.L.I’s latest Free Bali Real Estate Seminar Video filmed just a few months ago.

At this seminar PT. B.A.L. I’s Canadian President, a 23 yr. Bali resident, who is married to a fully Licenced Indonesian Notaris reviewed the most recent real estate laws for Indonesians and Foreigners in detail.

He also discussed the Past, Present, and Future of Bali Real Estate.
Click Here to view the latest Free Bali Real Estate Seminar Video

Free Seminar Topics:

you will learn about:

>The Past, Present and Future of Bali and Indonesian real estate.
>Why a recent official clarification of foreign ownership laws allows foreigners to totally control Indonesian properties for up to 80 years.
> How to avoid legal problems and make sure a property is safe.
> How to avoid complicated real estate laws - 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 potential of *10% to 20 % per year?
> Discover how you can sell your property fast for the highest prices and lowest commissions.
> 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 $158,888 for a three-bedroom 650 m² 3-bedroom, 4 - bath with private 9 - meter. Pool in Sanur.
> Ridiculously low-priced ocean view building lots starting as low as $25,000 for 500 m².
> Brand New Bali Luxury Retirement Villas starting at $184,888.

Note from The Seminar Speaker:

Since many of you have busy schedules and are unable to attend our seminars we think you will find our latest Free Bali Real Estate Seminar Video provides an exceptional education that will help you understand Bali real estate laws and allow you to make some substantial profits from Bali real estate investment.

After living in Bali for 23 years and running a Development and Real Estate Company for the last 18 years plus the fact that I'm married to a full lead licensed Notaris I think you will find that everything that you need to know about Bali Real Estate is covered in this timely seminar.

So, what have you got to lose? It’s Free and very Educational.
Click Here to view the latest Free Bali Real Estate Seminar Video

Feel free to contact me directly for a free private consultation at my office in Sanur.

Lawrence B.M.B,
Owner, President, Director
Tel or Whatsapp +628123814014

For a free one-hour legal consultation you may contact my Partner & Wife Azizah regarding anything from Indonesian Laws, Establishment of legal companies, securing proper visas, Marital contracts including prenuptial's post nuptial’s, etc.

Tel or Whatsapp +628113864993

About the Speaker Lawrence. Is the Owner, President and General Manager of 14-year-old Pt. Bali Affordable Lifestyles International (PT. B.A.L.I.). Doing Business as Best Asia Real Estate

His spouse and partner Azizah, is a fully licensed Indonesian Notaris with a master’s degree in Indonesian Law specializing in real estate, corporate and Foreign Marital documentation. 
Together they and their 100 + professional staff provide a one-stop professional, efficient location for Buying, Selling, Leasing and Renting Asian Real Estate.

           They are a Ten-time Consecutive Certificate of Excellence recipient on the Worlds Largest Travel Site. This places them among the top 10 % of hotels and villas listed by Tripadvisor worldwide.
"Recipients Hall of Fame Award, awarded to only 2 % of the Hotels listed on TripAdvisor Worldwide"

Lawrence is also one of Asia’s best-known travel and real estate investment experts. They publish the daily Bali & World News & Views Blog which combined with Bali News and Views Blog has had almost 1,500,000 pageviews. They also publish the Best Asia Real Estate BlogFacebookand Twitter posts. He offers free real estate seminars throughout Asia every quarter. For Free Seminar schedule email to 

     Head Office: Jl. Karangsari # 5, Sanur, Bali, Indonesia 80228 Tel. Office: 62-361-284069 Fax: 62-361-270143,
Mobile: or Whatsapp: English: 62-8123814014 Bahasa Indonesia: 62-8113864993 Email: Skype: baliagents   

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