Villa Q&A | My Bali Villa!

Today I'm sitting down answering my most asked questions about my Bali villa, including the most popular question "what did you pay for you villa?"
PERINGATAN
Penting untuk menekankan pentingnya mematuhi hukum, tradisi, dan kesejahteraan masyarakat setempat sebagai investor asing di Bali. Untuk memastikan kepatuhan penuh terhadap kerangka hukum negara yang indah ini, saya sangat menyarankan mencari bimbingan profesional dari perusahaan konsultasi bisnis dan hukum yang terpercaya. Para ahli tersebut akan membantu Anda dalam membentuk entitas dan struktur yang diperlukan untuk mengarungi kompleksitas peraturan lokal secara efektif.
Harap dicatat bahwa pengecualian ini tidak boleh diabaikan atau dianggap enteng. Sebagai investor yang bertanggung jawab, tugas kita adalah memprioritaskan integrasi harmonis usaha kita dalam kerangka hukum dan budaya Bali.
Mohon diperhatikan bahwa informasi yang disediakan di sini semata-mata untuk tujuan informasi dan tidak boleh ditafsirkan sebagai nasihat keuangan. Penting bagi individu untuk melakukan penelitian menyeluruh dan melakukan kewaspadaan yang sewajarnya sebelum membuat keputusan tentang keuangan pribadi mereka. Keadaan keuangan dan toleransi risiko setiap individu berbeda, oleh karena itu, penting untuk berkonsultasi dengan profesional yang memenuhi syarat atau melakukan penelitian sendiri untuk membuat pilihan yang berwawasan dalam hal keuangan.
DISCLAIMER
It is imperative to emphasize the importance of upholding the laws, traditions, and welfare of the local community as a foreign investor in Bali. To ensure full compliance with the legal framework of this beautiful country, I strongly advise seeking professional guidance from a reputable businesses and legal consulting firms. Such experts will assist you in establishing the necessary entities and structures required to navigate the intricacies of the local regulations effectively.
Please note that this disclaimer is not to be overlooked or taken lightly. As a responsible investor, it is our duty to prioritize the harmonious integration of our ventures within the legal and cultural fabric of Bali.
Please be advised that the information provided herein is strictly for informational purposes and should not be construed as financial advice. It is crucial for individuals to conduct thorough research and exercise due diligence before making any decisions regarding their personal finances. Every individual's financial circumstances and risk tolerance vary, and therefore, it is essential to consult with qualified professionals or undertake independent research to make informed choices pertaining to financial matters.
Please note that any actions taken based on the content discussed here are solely at the discretion and responsibility of the individuals involved. I strongly recommend seeking guidance from certified financial advisors or conducting your own comprehensive analysis before making any financial decisions.
Remember, the ultimate responsibility for managing one's own financial affairs lies with the individual, and prudent decision-making necessitates careful consideration of personal circumstances and objectives.
Thank you for your understanding and for acknowledging the importance of independent research and evaluation in matters related to personal finance.

[@Abbey-zc6ss]

With all the adversity you’ve had to face, it just amazes me what a strong individual you are! You’re following your dreams and making them happen- couldn’t be more proud to be a fan of yours. Excellent video and enjoyed the q&a format. Very informative and well done! ❤

[@fulmah]

You are making boss moves as per usual! It's great to see you happy again! 🩷

[@marilynsutherland5079]

Congratulations you are doing so good thanks for all the info it’s interesting

[@stevi6236]

You are such a authentic soul…… I love that you are so straightforward ❣️

[@Lorieeee]

I admire you! You are so intelligent, beautiful, creative and driven. Also, I am happy you are in a good place again post breakup. ❤

[@Michellekb22]

I am not moving to Bali, but it is nice to see more of you! 😊🌴❤

[@nicma87]

Thank you for sharing!

[@debm8377]

Brilliant plan! Proud of you!!!

[@Molly-J98]

You are so enterprising! 💛 What a fun idea to show us your journey building and designing your new villas.

[@blkncutvibe1970]

Wow! What a Deal!!!! ...._. Smart and BEAUTIFUL!!!!! Keep up the good work and God Bless always!!!!

[@LadyViki6]

Thank you for all the answers. Your house is beautiful!❤😊

[@JM-zz3ev]

Great job with this video, Angela- you continue to impress!! ❤

[@rummansworld]

so happy for you! your youtube is doing so well 🎉 i’d love a video about how you started your first company & grew it to 100k in rev! xx RW 💗

[@Eddy12700]

your villa is so dope

[@beverlyt.5526]

Congratulations Angela 💜!!! Very Exciting!!! Love Your Master Bathroom and Second Floor Overlook!!! Do They Offer House Insurance In Bali? Looking Forward To Following Your Incredible Journey 🙌❤!!! God Bless You 🙏. Western Upstate New York here 💕

[@Reed98221]

Angela, This video was so informative! You continue to impress. ❤

[@cspringer333]

Thanks for the info...much appreciated.

[@matthewowen1360]

Great Job!

[@TravisC95]

You really are SO MUCH more than a pretty face.😍😍😍😍😍

[@erwinhudoyono3699]

God bless you from BALI INDONESIA...🇮🇩🇮🇩🇮🇩🇮🇩🇮🇩

[@hildakasozi357]

This video was so helpful. Thanks for filming it

[@SunshineGirl4208]

Thank you for sharing this information. 🌞💜

[@steveholton3614]

Congratulations on great work! Very inspiring for others wanting to build wealth and take on fun challenges! 😊

[@baliwalknshops1517]

Thanks for video

[@NanaRubyN]

I am proud to be your fan and happy to be able to continue to follow your journey. Congratulations on your new villa and relationship. Thanks for sharing more of yourself with us. ❤

[@MiaNuranti]

Hi Angela, just found your channel today and love the fact that you're empowering women for being an inspiration to have a business rental in Bali. I've been working in a villa agency for more than 5yrs and will be happy to offer my service if you ever need a PMS experts with dynamic pricing once you've jumped on the daily rentals. Cheers!

[@jillstreet8364]

💗💗💗 love you Angela

[@bettypring1456]

So proud for you keep building your empire! 💙

[@musicandartlove]

Ange, This video was very educational. Thank you! P.S. I adore you! 💙

[@aprianto1985]

So inspire

[@RainyJo715]

Congratulations!!🎉 You definitely found the perfect place for the most lucrative return on your investments, I’d say.:) Most regular, “cookie cutter,” neighborhood houses in the US, are only built on 1/4 acre, and that includes the house, with front and back yards. So for your new two villas to each have a 1/2 acre, >that’s going to be very nice! Room for pools? Lol Regardless, you absolutely have an eye for design and architecture yourself, so I know they’ll be phenomenal. And I’m hoping that you don’t sell this first villa anytime soon, because it’s beyond beautiful! If you do, please promise to recreate that grotto bathroom again, wherever you land! :) When you said what it cost to renovate the bathroom, my jaw immediately hit the floor because, here in the US, I could buy myself a second Lexus for what it’d cost to do a build like that! Even if I did the work myself, I couldn’t cut enough corners to build it for under $25-30k. Probably for the best, because I’d never come out if I did! God Bless!! 🙏🏼👍🥂

[@keithkalif2778]

Your awesome angela

[@michaeljohn5175]

Sounds like a good profit and great opportunity. But it's still work.. and a lot of work mixed with significant risk. That's why I always avoided real estate. Back when I was younger when I was starting a business, real estate was one option, but even then I had better business opportunities I was more into. Nowadays, after retiring when I was 30, I just manage my investments in the stock market. Almost no work and I make a pretty nice reliable profit over time. That was always my goal for retirement and found it early.

[@laniprice6444]

❤

[@ginger55555]

Mantabbbbzzzzz

[@lucasjohannesen]

FIRST

[@manelchaabouni1382]

😍

[@jonlbdg]

Hai Angela love your videos and what an amazing renovation! But just to re-iterate under no circumstance can a foreigner buy hak milik (freehold property) in Indonesia. By setting up a company PT/PMA you can acquire property HGB/ Hak Guna Bangunan which is still leasehold BUT the land is owned by the government and you can hold it for 30+ 20 + 30 years for a total of 80 years. A lot of people don’t understand this and it really needs to be shared with any foreigner looking to invest in Bali . Buying leasehold with Balinese land owners is very risky and having an Indonesian as a nominee to buy hak milik/ freehold land is illegal. Best of luck on all your projects! 🙏🏻

[@debm8377]

Uluwatu😉

[@1988remixx]

Great video, beautiful house!!! But I wish she would have went into a little more detail about how she was able to even save $200K or more at her age already? I’m just amazed at how much “cash” the younger generation tends to have on hand, at such young ages??

[@shawntolani5354]

Love what you have achieved so far!!!! Kindly explain the difference of price in freehold ?? 3X ( you mean Hak Milik versus Hak Guna Bangunan)

[@gunawanjulianto6749]

Harus memiliki keduanya. Hak guna dan izin mendirikan bangunan (imb)

[@OsoKrispy]

Hi Angela, thank you for being open and honest with all the details involving buying real estate in Bali. I do have a question about financing, specifically if I would be required to pay for the entire property upfront with cash or if I can get a mortgage from an Indonesian bank? If I can get a mortgage, what is the minimum down payment one would need? I'm Canadian, so for us here if it's an investment property a minimum of 20% down would be needed. Thanks again for making this video. Good luck with all your future endeavours!

[@Angela.Rummans]

Hey! So it’s very hard to find any bank that will give a foreigner a loan. You petty much have to pay cash all upfront. I’ve heard it’s possible to find a bank in Singapore but requires 50 percent down and then you have to be in Bali something like 3 months a year… a lot of rules. Typically you gotta have the cash ready unfortunately

[@ed-liem]

Hi Angela, can you recommend the contractor you used to renovate your villa? I need a good and reliable one.

[@muhammadsyafiqabdullahsawa840]

Im your no 1 fans from Malaysia..can we meet somewhere

[@Bigdogiswolfing]

How much did water proofing cost and what type did you get? I just bought a villa in bali and its hasnt been through a wet season yet. Im a bit nervous 😂

[@RicherThanIeverbeen]

Does the government grant permanent residencies for those who purchase land and property?

[@nmo9449]

did you do your own makeup here!? i love it!!

[@Angela.Rummans]

Haha yes I did

[@nmo9449]

@@Angela.Rummans we need a tutorial please ❤️❤️❤️

[@Igorcordosomendez]

Do you pay the tax to live in Bali? And what kind of tax it is?

[@creatorcommerce]

Could you explain more how you came to the conclusion how freehold doesn't make sense? I don't really get it bc it makes more sense than having a lease expire and you give up your full structure and fitout

[@jonlbdg]

I can answer that question: freehold or Hak milik is ONLY an option for Indonesian citizens (WNI) foreigners can’t legally own freehold (which is why it doesn’t make sense nor it an option for them). The second reason is that sometimes (but not always) free hold or Hak milik for WNI is more expensive than leasehold upfront for Indonesian citizens. But I would say the appreciation of the asset is well worth it 🙏🏻

[@fdmuniverse6266]

Loved it ❤

[@RK-cy4ny]

How long is your lease?

[@cartracer64]

bali is well known for surfing. are you a designer

[@susanmcmahan7040]

Are you wearing a wedding ring in this video?

[@aileenlarin2588]

Hi! Did you purchase or leasehold your land? We're you allowed to apply for loan or did you have to pay upfront? Thanks!

[@MarkBates566]

HOW DO YOU MANAGE TO LIVE THERE VISAS ETC, HOW DO YOU MAKE A LIVING ?

[@user-mr4sl7tg1b]

Oh you just addressed this - it was a water leak.

[@jeromemoon6465]

Now that’s what like to see. You should do your personal q and a’s in video form too to give it more soul. Passive income idea: Take advantage of the Instagram subscription model and super-serve your hardcore fans. You can charge high to desuade the trolls and make your vulnerability worthwhile but your fans want to know EVERYTHING, and we know you want to share. ❤️❤️

[@nmo9449]

maybe she doesn’t want to exploit you or her breakup?

[@mrz9672]

1.2 acre is around 5000 sqm not 500 sqm. 5 ara is 500 sqm

[@yoadp]

As an Indonesian, $180k for a villa is incredibly cheap. You're lucky to get such a good price for the villa in bali. good job! nice to see your video

[@bernardkoffinguessan4011]

You’re beautiful girl I love 💕🌹🥂🎁💧

[@Indo.vanguard]

How is it possible you as a foreigner can buy a land or build a villa on your name ? Because as long as i can remember there is no way a foreigner can buy a land or a house in Indonesia.

[@jonlbdg]

Foreigners or WNA can lease land from an Indonesian landowner but they technically don’t own it. They can also set up a PT/PMA which is another form of leasehold that gives them the right to build on or develop the land - but again they don’t own it; but the lease term is 30+ 20+30 with extensions administered by the government. But you are correct that foreigners can’t buy land hak milik/ freehold in Indonesia. The only exception to this in the future might be permanent residents -with restrictions as to how much and what minimum value the property has to be.- might be able to own a limited amount of property.

[@wiwingmargahayu6831]

beans vlog youtube channel

[@ephilippos]

Very informative vids! However, Would never “buy” a leasehold property….dead money…Never! Freehold or prefer to rent…

[@rpatel6461]

yes we like your boo villa

[@Eddy12700]

wait there is this meme/video going around of this girl on the plane and it looks like you, was that u

[@seashellez]

Not Angela

[@teddypunu7814]

watch out for the tax man ...

[@user-mr4sl7tg1b]

Did I dream this or did you have a disaster that resulted in destruction of your villa.

[@Ming-gd5ll]

Unless this lady is a naturalized Indonesian. I don't think there is no way she can buy or won a property in Bali (Indonesia).

[@Angela.Rummans]

I purchase leasehold through a PT PMA

[@SilverLake401]

Angela is way too bad. I’d be all up on that if I seen her 😛♥️

[@VintageVoid3]

When's the last time you donated to charity?

[@Angela.Rummans]

Automated monthly donation to peta 😘

[@Thisisaline]

@@Angela.Rummans Peta's a terrible charity to donate to.. maybe consider donating to some local charities, at least it goes some way to softening the impression that locals get seeing foreigners like you living it up in luxury in their town while they live in relative poverty

[@Molly-J98]

Peta is a very worthwhile charity. Also, Angela's jewelry company, N&C, donates 1% of all profits to 1% for the Planet, which I am sure helps out Indonesia. Lastly, why is this even a question on a video about how to buy property in Bali? Angela is trying to graciously share her knowledge with us. Thank you, Angela! ❤

[@Thisisaline]

@@Molly-J98 Actually, if we're being specific, Peta isn't even a charity but a radical organisation.

[@user-db2ji6yf3l]

I have had the pleasure of following you online for 5 years and I have noticed some very disturbing patterns especially in the last year about how you perceive Happiness and love. You confuse euphoria/ecstasy which are heightened and fleeting feelings, for Happiness which is a state of genuine self-contentment and inner joy, a state you should be in control of and not needing a man for. You also confuse NEED FOR ATTACHMENT as love. Love involves genuine emotional reciprocity and healthy fulfilling boundaries. What you feel is NEED because you feel incomplete as an individual without attention. You are welcome for this TedTalk.

[@Molly-J98]

Seriously, go talk to someone and get help.

[@nmo9449]

Bria, cut her some slack? Maybe she realized that and that’s why her relationship didn’t work out. She doesn’t seem to have an unhealthy attachment w/ her new guy, they live in separate countries for crying out loud. Maybe she’s in a healthier place than before! So maybe, despite how disgusting your comment is, she actually is taking steps to have a healthy level of independence in her life again.

[@JESUS-fi9oe]

Omg keep them away ,Bali is ruined enough

[@user-mr4sl7tg1b]

Oh you just addressed this - it was a water leak.