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Real Estate Yield Calculator

Helps investors quickly assess the financial performance of a real estate asset.

🇬🇧 Real Estate Investment Calculator — User Guide

This calculator helps investors evaluate the financial performance of a real estate property quickly and accurately. All calculations update instantly as you change any input.

1. Property Information
Enter:
• Purchase Price
Base price of the property.
• Currency
All results will be displayed in the selected currency.
• Additional Investments (CapEx)
Renovation, furnishing, upgrades, improvements.
These fields define the total acquisition cost.

2. Rental Settings
Choose the rental model:
▶ Monthly Model
Enter:
  • monthly rental rate
Occupancy does not affect monthly revenue.
▶ Daily ModelEnter:
  • nightly rate
  • occupancy (%)
Revenue formula:
Nightly Rate × Days × Occupancy
The field “Nightly Rate” is only used in this mode.

3. Operating Expenses
Enter all expenses required for NOI calculation:
  • Utilities
  • Staff
  • Insurance
  • Other fixed expenses
  • Variable expenses (% of revenue) — e.g., OTA or management fee
Fixed expenses are constant.
Variable expenses scale with revenue.

4. TaxesEnter the income tax rate (%).
The calculator automatically computes:
  • taxable income
  • tax amount
  • net income after tax

5. Financing
If the purchase is fully financed by equity
Enable “100% Equity / No Loan” — loan inputs will be disabled.
If using a loan
Enter:
  • equity amount
  • loan amount
  • interest rate (%)
  • loan term (years)
The calculator displays:
  • monthly annuity payment
  • annual debt service
  • cash flow after debt service

6. Projection / Capital Appreciation
Enter:
  • holding period (years)
  • annual appreciation rate (%)
The calculator determines:
  • Final Sale Value
  • Capital Gain
  • Total ROI for holding period
  • Average Annual Return
  • Total Payback Period including Appreciation
    (combining cashflow + capital growth)


7. Output MetricsThe calculator displays:


Revenue
  • monthly
  • annual

Operating Expenses
  • fixed
  • variable
  • total

NOI & Taxes
  • Net Operating Income
  • income tax amount

Cash Flow
  • before debt service
  • after debt service
  • after taxes


Investment Metrics
  • Cash-on-Cash Return
  • Cap Rate
  • Cashflow Payback Period
  • Total Payback Period including Appreciation
  • Break-even occupancy (daily model only)


8. ResetThe “Reset to Defaults” button returns the calculator to its initial state.



✔ What this calculator provides

  • Fast assessment of investment attractiveness
  • Scenario modeling (pricing, expenses, occupancy)
  • Loan vs. cash purchase comparison
  • Clear investment performance indicators
  • Real-time recalculation



pt bali star invest

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Ocean look

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Azur Miami

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Thank you!
Our company appreciates every client. If you have any questions or feedback, please do not hesitate to contact us.
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Thank you!
Our company appreciates every client. If you have any questions or feedback, please do not hesitate to contact us.
Thank You
Our company values each and every customer. If you have any questions or feedback, please don’t hesitate to reach out.
Спасибо!
Ваша заявка отправлена, мы обязательно Вам перезвоним!
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Вилла Azur Miami

Leasehold or Freehold: Which is More Profitable? Let's Find Out!

Ownership Options in Bali: HGB vs. Leasehold
It's important to note that only Indonesian citizens can hold freehold ownership (Hak Milik) directly. When a foreign company acquires such land from an Indonesian citizen, the ownership transitions to HGB (Hak Guna Bangunan).

Comparison of Ownership Types: HGB and Leasehold
In Bali, foreigners can legally acquire property through two main ownership options: HGB (Hak Guna Bangunan) and Leasehold . Each has distinct characteristics, but HGB offers greater flexibility and long-term benefits.

1. HGB (Hak Guna Bangunan)
 HGB grants ownership rights for building and land use, initially for 30 years, with extensions available for a total duration of up to 80 years. 
HGB Extension Terms:
  • The land must be used in accordance with its designated purpose (eg, residential or commercial use).
  • Property taxes must be paid on time.
  • Extensions are processed through government authorities without requiring additional payments.
Key Features of HGB:
  • HGB can be registered to a legal entity (PT PMA) or an Indonesian citizen.
  • Indonesian citizens can convert HGB to Freehold (Hak Milik), granting indefinite ownership.
  • Foreigners can extend HGB through a legal entity, ensuring rights for long-term use.

2. Leasehold
Leasehold refers to a long-term lease of land, typically ranging from 25 to 99 years, depending on the agreement.
Leasehold Extension:
  • Extensions require agreement with the landowner, and renewal costs may rise significantly.
  • There is no guarantee of automatic renewal, making Leasehold less secure.
Key Features of Leasehold:
  • Leasehold does not provide full ownership rights.
  • Once the lease term ends, the property reverts to the landowner.
  • The decreasing lease term over time reduces its resale value and investment appeal.

Conclusion: Why HGB Outperforms Leasehold
HGB offers a more stable and profitable investment option, with longer-term ownership rights and the ability to extend for up to 80 years. For Indonesian citizens, converting HGB to Freehold unlocks indefinite ownership, allowing the property to be sold at market value—even after decades of use—maximizing profitability.
In contrast, Leasehold is bound by its term and relies on contractual agreements, limiting its long-term attractiveness as an investment.

HGB stands out as the optimal choice for stability, flexibility, and long-term returns in Bali's property market.


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