Despite not knowing your personal circumstances, I would still be advising you to think long and hard about the course of action you are planning. When you say you have "secured" some land, do you mean you have already signed a contract? If so, your first post shows you have made a fundamental mistake right at the start of your project: not undertanding the legal aspects of land and building purchase in Indonesia. If not, what is your motivation for wanting to build a house in Bali? Holiday home, investment, retirement? Do you have family ties in Bali? My impression is that this is an impulse decision and you have not thought it through properly. There are plenty of properties for rent in Bali, don't discount that option. I wouldn't even consider buying a property unless I was financially secure and could afford to lose my investment without destroying myself financially. "Buying" in Indonesia for a bule is not the same as in Australia, as you probably know.
Caveat emptor, my friend. What appears a dream to you now, may end up a nightmare in ten years. I know from experience. Many years ago I built a house on a Pacific island, my dream house. It is still there, but I don't own it and have no practical legal avenue to get it back. It was stolen from me by somebody I trusted but who ended up stabbing me in the back for my troubles.
Sam