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Living in Bali

Renting and buying property

To rent property in Bali, the foreigner must have a KITAS. Typical lease periods vary from 1 to 3 years. Leasehold agreements can be contracted for up to 25 years, frequently with an opportunity to extend.

Since only the citizens of Indonesia can hold land ownership (Hak Milik), many foreign investors use a local individual nominee to buy real estate in Bali.

However, using an individual nominee is risky because it does not guarantee protection for the investment and there have been numerous incidents where foreigners have gotten scammed because they have bought property in Bali using an unreliable nominee.

A safe way to buy property in Bali is by setting up a 100% foreign-owned PT PMA. This way, you can acquire Hak Guna Bangunan, the Right to Build, and Hak Pakai, the Right to Use.

Opening a bank account

While by law, you are not required to have a KITAS to open a bank account in Bali, many Indonesian banks tend to be reluctant to open bank accounts for foreigners who don’t have a residence permit in Indonesia.

However, some banks do make exceptions if you are referred by one of their official partners such as VIVO ASIA.

If you wish to open a local bank account without having a KITAS, VIVO ASIA can help you. Contact us at or see the process of how to open a bank account in Bali here.

Getting a driver’s license in Bali

If you want to drive around on a scooter in Bali, know that having a local driver’s license is mandatory. However, one of the main prerequisites of obtaining a driver’s license in Indonesia is having a valid international driver’s license.

Getting health insurance for living in Bali

It is needless to say that having health insurance while staying in a foreign country is a must. Make sure you also have health insurance while residing in Bali.

Having health insurance is one of the requirements for applying for a KITAS as well as it can protect you against having to cover unexpected and costly medical expenses from your pocket.

VIVO ASIA can assist you in obtaining a driver’s license in Bali as well as help you get better deals from insurance providers.


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