The questions buyers ask us most.
With 9 years selling villas in Lombok and countless completed sales, Habitat is one of the most experienced developers in the region, and one of the best placed to answer the questions buyers ask most.
Below, we've answered the questions that come up again and again, drawn from our own experience guiding buyers through the process from first enquiry to key handover.
Ownership & legal structure
Can foreigners buy property in Lombok?
A foreign national cannot own property in Lombok directly. But you can own a company that in turn owns the property. That company is called a PT PMA.
What's the difference between leasehold, Hak Pakai, and PT PMA ownership?
With ownership through a PT PMA, you have as close to freehold as it's possible to get as a foreigner. The key stages are 30 years, then 20, then 30. At each one, a simple administrative renewal keeps your ownership going. With leasehold, the property still belongs to the landowner: at each renewal point, they could refuse to extend your lease or increase the yearly cost.
Is it safe to buy property through a local nominee?
No. There is no reason a reputable seller would advise this route to ownership.
What is a PT PMA and how do I set one up?
A PT PMA is a type of company specifically designed for foreign nationals. Setting one up is straightforward and takes about 3 weeks with a reputable notary. Habitat can assist you at every step. You need at least two shareholders (both can be foreigners) and a company name. That's it. You don't even need to be in Indonesia to do this.
Can I sell or transfer my leasehold or PT PMA-owned property later?
Absolutely. There's a vibrant resale market, with several real estate agents here in Kuta who can assist you.
Costs, taxes & process
What taxes do I need to pay when buying or selling property in Lombok?
Buyer's tax (on the land component), VAT, and a notary fee of around 1% all apply, and the exact treatment can get complicated. With careful structuring, we typically manage total buyer-side tax down to around 7% of the purchase price. We walk every buyer through the specific numbers before they commit.
What due diligence should be done before buying (title search, zoning, permits)?
Due diligence is the most important step in the whole process. We recommend Gana Konsultan Indonesia (GKI). In our experience, they do the most thorough due-diligence research of any notary in Lombok.
What ongoing costs are there after purchase (maintenance, property management)?
At Habitat, we work to maximise your ROI, and operating expenses are a key part of that. You pay your fair share of actual, documented expenses.
For example, at Habitat Garden, there are 38 bedrooms across the estate, so a two-bedroom villa owner pays 2/38ths of the real costs (cleaners, gardeners, common-area electricity, etc.). We estimate this typically runs to around 10% of rental revenue.
Visas & residency
Does owning property in Lombok give me the right to live in Indonesia?
Being a shareholder in a PT PMA makes you eligible to apply for an Investor KITAS (a long-term stay permit), subject to meeting the required investment and capital thresholds. It isn't automatic. Our team can walk you through what that means for your specific situation.
Do you help with visa applications or long-term stay options?
Yes. We work with trusted partners who can assist you every step of the way.
Investment & comparison
What kind of rental yield can I expect from a villa in Lombok?
Yield depends on the villa, the season and how it is managed, so we don't quote a single number. We share the occupancy figures from our own managed villas at Habitat Forest and Habitat Garden with every buyer, and walk through what they mean for the villa you are considering.
How does Lombok compare to Bali as a property investment?
Lombok offers a lot of what first drew people to Bali years ago: quieter beaches, lower land and villa prices for comparable quality, and none of the traffic or overdevelopment. With the Mandalika circuit driving fast infrastructure growth, many buyers see Lombok today where Bali was a decade or more ago.
Which areas of Lombok are best for investment vs. personal use?
Kuta and the Mandalika corridor are strongest for rental investment today, thanks to surf beaches and fast-growing infrastructure. Selong Belanak, home to our newest project, is also emerging strongly: quality villa supply there is still limited relative to demand, which supports strong yields for early buyers.
Both areas work well for personal use too, while quieter pockets further along the coast suit buyers prioritising long-term appreciation over near-term rental yield.
Working with Habitat
How long does it take to build a villa with Habitat?
Contractually, we complete your villa within 12 months of signing. In practice, we work hard to beat that timeline.
Can I visit a project before committing to a purchase?
We'd love to meet you. Habitat is small enough that we have a personal relationship with every one of our villa owners.
Does Habitat offer support beyond building, such as legal, visas and property management?
The Habitat team has been in Lombok for 9 years, and we intend to be here for many more. We're here to help and advise every step of the way.
Do you offer villa management?
Yes. We work closely with Pink Nusa, who we consider the best villa management operator in South Lombok. You can choose to be 100% hands-off and simply receive your monthly rental payment.
Ultimately, the villa is yours. You're free to live in it, rent it through Pink Nusa, or manage it entirely yourself.
Are the villas fully furnished?
Yes. We supply absolutely everything, so the villa is ready to accept guests on the day we hand it over to you.
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