A Balinese recruit joins a Canggu agency in 2026 and asks what Ministry of Trade Regulation 33/2025 requires of her personally before she handles deals. What is correct?

1. Nothing personal: only the agency needs a licence
2. A competency certificate, and she must work under a licensed brokerage entity
3. Membership of a notary chamber and a law degree
4. A tourism guide licence from the Bali provincial government

Under Permendag 33/2025, what commission range applies to a brokered property sale in Indonesia?

1. 1% to 2% of the price
2. Freely negotiated, with no range at all
3. 5% to 8% of the price
4. 2% to 5% of the price

Example figures: your agency sells a freehold villa in Sanur to an Indonesian buyer for IDR 5,000,000,000 at a 3% commission. Under Permendag 33/2025, what is the maximum amount the agency may pay to the certified agent who handled the deal (in IDR)?

An Australian on a Visa on Arrival films a villa and posts it on social media to find buyers and renters. What did Bali immigration do in a similar 2024 case?

1. Issued a verbal warning, since social media posts are not work
2. Required him to convert to a work permit within 30 days
3. Deported him, treating the promotion as business activity a VoA does not allow, with a re-entry ban
4. Fined the villa owner only, since foreigners are never liable

Which yearly reporting duty does Permendag 33/2025 place on a property brokerage company?

1. An activity report submitted through the Ministry of Trade system by 30 April
2. A quarterly report to the Bali governor on foreign clients
3. A monthly listing count sent to AREBI
4. No reporting at all once the NIB is issued

A French expat in Bali wants to join your agency as a field agent showing villas and negotiating offers. What does AREBI Bali say the new brokerage rules allow?

1. Anything, as long as he holds a KITAS of any type
2. Field broking, provided an Indonesian agent co-signs each deal
3. Field broking only for foreign buyers
4. Managerial roles such as business development, but not client acquisition, negotiation or transaction handling

In the risk-based licensing system (OSS), how is property brokerage (KBLI 68200, real estate on a fee or contract basis) classified under the new rules, and what follows from it?

1. Low risk: an NIB alone is enough
2. Medium-High risk: the company needs a standard certificate on top of its NIB
3. High risk: a full ministerial licence and an environmental permit
4. Not classified: brokers operate without registration

AREBI announced a national certification target tied to the end of the Permendag 33/2025 socialisation period. What was it?

1. 500 certified brokers by December 2025
2. All 3,000 Bali agents certified by June 2026
3. 5,000 certified brokers by October 2026
4. 10,000 certified brokers by 2030

A foreign investor wants to open a PT PMA brokerage in Bali in 2026. What did BKPM Regulation 5/2025 change for new foreign-owned companies?

1. Minimum paid-up capital fell from IDR 10 billion to IDR 2.5 billion, while planned investment must still exceed IDR 10 billion
2. PT PMA companies no longer need any minimum capital
3. Minimum paid-up capital rose to IDR 25 billion
4. Foreign brokerages must now be 51% owned by AREBI members

A Dutch buyer with a KITAS asks whether he can buy a villa in Uluwatu as Hak Milik (freehold) in his own name. What do you tell him?

1. Yes, if he holds a KITAP rather than a KITAS
2. Yes, if the price exceeds IDR 5 billion
3. Yes, through a notarial power of attorney
4. No: Hak Milik is for Indonesians; he can hold a house under Hak Pakai or own an apartment unit (HMSRS)

What minimum prices apply in Bali when a foreigner buys a home under Kepmen ATR/BPN 1241/2022?

1. IDR 1 billion for a house and IDR 500 million for an apartment
2. IDR 5 billion for a landed house and IDR 2 billion for an apartment unit
3. IDR 10 billion for both
4. There is no minimum price outside Jakarta

Example figures: a member of the Indonesian diaspora (foreign passport holder) wants a landed house in Bali. The decree lets diaspora buyers use 75% of the normal Bali threshold of IDR 5 billion. What is his minimum price (in IDR)?

A foreign couple wants to buy two adjoining plots in Tabanan totalling 3,500 m2 to build one family home under Hak Pakai. What limit applies?

1. No limit as long as each plot is under 2,000 m2
2. Up to 5,000 m2 per person
3. One parcel of at most 2,000 m2 per person or family, unless the Minister grants an exception
4. Up to 10,000 m2 if the land is outside a tourism zone

A Hak Pakai is granted on state land to a foreign home owner. What is the maximum total duration if it is granted, extended and then renewed in full under PP 18/2021?

1. 80 years: 30, plus a 20-year extension, plus a 30-year renewal
2. 25 years with no extension
3. 99 years in one grant
4. Unlimited, like Hak Milik

A client signs a 25-year leasehold (Hak Sewa) on a villa in Pererenan. What does he actually own at the end of the deal?

1. The land, once the lease is paid in full
2. A Hak Milik certificate in his name
3. A Hak Pakai registered automatically at BPN
4. A contractual right to use the property for the term; the land stays with the Indonesian owner

A seller proposes that your foreign buyer put the freehold title in the name of the seller's Balinese cousin, backed by a side agreement and a power of attorney. What is the correct advice in 2026?

1. It is safe if the side agreement is notarised
2. It is safe if the cousin also signs a loan agreement
3. Refuse: Indonesia does not recognise beneficial ownership, the side deal is unenforceable, and Bali has moved to ban such pinjam nama schemes outright
4. It is safe for 30 years, then must be converted

Which of these is listed as a reporting party to PPATK (Indonesia's financial intelligence unit) under Government Regulation 43/2015?

1. Only banks and money changers
2. Property companies and property agents, alongside notaries and PPAT land deed officials
3. Only the PPAT, never the agent
4. Only developers listed on the stock exchange

A buyer insists on paying for a Seminyak villa in several cash bundles from different people, refuses to explain the source and asks you to keep the price off paper. What should you do?

1. File a suspicious transaction report with PPATK and avoid telling the client you reported
2. Accept the cash but ask the notary to record a lower price
3. Warn the client that you will report him, then wait for his reaction
4. Ignore it: only the bank has reporting duties

What did Governor Wayan Koster instruct in July 2025 about tourism projects on productive land in Bali?

1. A full island-wide ban on all construction for five years
2. A tax discount for hotels built on rice fields
3. That from 2025 no permits may be issued for tourism facilities on productive land
4. That only foreign investors need permits on farmland

In late 2026 an investor wants to lease a rice field (sawah) in Tabanan and build six rental villas on it. After the deadly September 2025 floods, what is the provincial position you must explain?

1. Allowed if the villas are under two storeys
2. Allowed if the land is leased rather than bought
3. Allowed if the investor pays a conversion fee to the regency
4. No new permits for commercial use of rice fields; building there is limited to the landowner's own home

A buyer plans to list his Canggu villa on Airbnb and Booking.com. What did the Ministry of Tourism require of hosts from 1 August 2026?

1. Nothing new: platforms handle all licensing
2. A valid NIB with a matching KBLI code, or the listing faces removal
3. Only a tourist tax receipt from the airport
4. A signed letter from the banjar head only

Example figures: a buyer acquires a Hak Milik house in Bali for IDR 6,000,000,000. Assume the regency applies the 5% BPHTB rate with a non-taxable allowance (NPOPTKP) of IDR 80,000,000. How much BPHTB does the buyer pay (in IDR)?