Information, not advice: Golden Visa Indonesia is an independent editorial guide — not the Government of Indonesia, not the Directorate General of Immigration, and not a law firm or licensed adviser. Thresholds are USD-set, IDR-monitored, change by regulation, and apply case-by-case; figures are "last verified June 2026" — confirm at the e-Visa portal (evisa.imigrasi.go.id) and with licensed Indonesian immigration/tax counsel before acting. We never promise approval. If you engage a partner we introduce, that partner may pay us a referral fee at no cost to you.
Indonesia second home visa is the long-stay residence permit that lets foreign nationals live in Indonesia for 5 or 10 years based on proof of wealth, not employment. The indonesia second home visa sits between a classic retiree stay permit and the newer Golden Visa, with simpler investment rules but tighter work and business limits.
Last substantial review and fact-check: June 2026
Regulation sources: Permenkumham 22/2023 (as amended by 11/2024) and PMK 82/2023, plus officially published Directorate General of Immigration circulars.
Who we are: Golden Visa Indonesia is an independent information publisher, not the government, not the Directorate General of Immigration, and not a law firm. This page is information, not legal, tax, or investment advice. We work with vetted visa and tax partners; if you proceed with our partner they may pay us a referral fee at no extra cost to you, and no one can pay to change what we publish.
What is the Indonesia Second Home Visa?
In plain terms, the Second Home Visa Indonesia is a long-stay visa and stay permit for foreigners who can show a substantial financial buffer in Indonesia, without taking local employment. It is issued as:
- 5-year stay permit, or
- 10-year stay permit
The intent, as spelled out in Permenkumham 22/2023, is to attract “orang asing penanam modal, orang asing berkedudukan tinggi, dan orang asing berpenghasilan tinggi” — in practice: wealthier long-stay residents, semi-retirees, and location-independent professionals who are not working as employees in Indonesia.
Key features (practice-based summary)
- Legal basis (visa)
- Permenkumham 22/2023, amended by Permenkumham 11/2024, and Director General of Immigration implementing circulars.
- Legal basis (deposit / assets)
- PMK 82/2023 (Ministry of Finance regulation) on proof of funds for Second Home and related residence schemes.
- Duration
- 5-year or 10-year ITAS (Limited Stay Permit), extendable while requirements remain met. Last verified June 2026.
- Core requirement
- Proof of significant funds or qualifying property in Indonesia. Legacy minimum: IDR 2,000,000,000 (approx. USD 125,000–135,000). See current threshold section below.
- Family
- Spouse and children can usually join as dependants under linked Second Home stay permits.
- Work rights
- Generally no right to be employed by an Indonesian company under this visa alone. Separate work authorisation / KITAS needed for employment.
- Tax residence
- Staying >183 days in a 12‑month period will usually make you Indonesian tax resident under domestic rules (subject to tax treaty details). Information, not tax advice.
Indonesia Second Home Visa vs Golden Visa: quick comparison
Indonesia’s Golden Visa framework (rolled out from 2023 onwards) overlaps with Second Home in that both are long-stay, wealth‑based and aimed at higher-net-worth foreigners. But they differ sharply in investment logic and rights.
| Feature | Second Home Visa | Golden Visa (individual investor tracks) |
|---|---|---|
| Primary purpose | Live in Indonesia long-term without formal local employment | Attract direct investment and strategic individuals into Indonesia |
| Core basis | Proof of funds / qualifying Indonesian assets | Mandatory investment into Indonesia (securities, deposits, or business) |
| Typical threshold (individual) | Legacy IDR 2 billion proof (see current figure below) | Investment brackets in the multi‑million USD range for 5/10‑year permits, per Golden Visa rules (varies by route) |
| Duration | 5 or 10 years | 5 or 10 years |
| Work rights | No automatic right to work; separate work permit needed | Select tracks allow more active investment roles; still require proper work authorisation for employment |
| Target user | Retirees, financially independent individuals, remote workers (non‑Indonesian clients) | High‑net‑worth investors, entrepreneurs, C‑level executives, and strategic talent |
| Processing logic | Primarily proof‑of‑funds screening | Investment plan, tax and sometimes sectoral review in addition to immigration screening |
| Outcome certainty | Discretionary: no guarantee of approval | Discretionary: no guarantee of approval or returns |
The Ministry of Law and Human Rights has signalled that parts of the Second Home framework may be harmonised with Golden Visa “second home” style tracks. As of last verification in June 2026, both still exist as separate routes on paper, but practice at individual Kantor Imigrasi can differ, so updated checks are essential before planning.
Indonesia Second Home Visa requirements (what you actually need)
This is a practice-based list built from Permenkumham 22/2023 (am. 11/2024), the official Immigration website, and real application files handled by partner agents. It is not a promise that your application will be accepted.
1. Core eligibility
- Non-Indonesian citizen.
- Valid passport with at least 36 months validity remaining at time of application (some officers still apply the older 3‑year preference). Last verified June 2026.
- No record of immigration blacklist, deportation, or serious criminal record in Indonesia.
- Ability to show proof of funds or qualifying assets in line with PMK 82/2023 and subsequent Finance / Immigration circulars.
2. Proof of funds / asset requirement
This is the part most applicants focus on: the Second Home Visa Indonesia deposit or equivalent assets.
- Legacy requirement: proof of ownership of funds in an Indonesian bank of at least IDR 2,000,000,000 (two billion rupiah) or ownership of luxury property in Indonesia at an equivalent value.
— Basis: early Directorate General of Immigration announcements and practice after the scheme’s launch; referenced in the implementation of Permenkumham 22/2022 and later carried into 22/2023.
— Last clearly confirmed in practice: mid‑2023 to early‑2024.
By late‑2024 into 2025–2026, two important shifts occurred:
- PMK 82/2023 gave Ministry of Finance authority to calibrate proof-of-funds rules, including for Second Home.
- The Golden Visa regime began absorbing some long‑stay wealth‑based tracks, prompting internal discussions about aligning Second Home thresholds.
As of last structured review in June 2026:
- The IDR 2 billion figure still appears as a reference minimum in many Immigration publications and bank letters used in practice.
- There are active discussions (and in some regions, pilot practice) of tying Second Home to higher Golden Visa‑style brackets, especially for 10‑year permits.
- Processing officers can and do ask for up‑to‑date bank statements and confirmation letters that explicitly mention “Second Home” and the required amount, in line with the latest bulletin they apply.
Because of this moving target, we treat IDR 2,000,000,000 as the legacy benchmark, not a guarantee of sufficiency for all cases. You should assume the actual threshold you face could be higher, especially for applicants applying abroad or at high‑profile Kantor Imigrasi.
Currency reference: IDR 2 billion is roughly USD 125,000–135,000 at recent mid‑market rates. FX moves daily; Immigration only cares about the IDR amount, not your USD figure.
3. Source and format of funds
In practice, Immigration tends to accept:
- Time deposit (deposito berjangka) in an Indonesian bank in your own name.
- Current / savings account balance in an Indonesian bank with clear ownership in your name.
- In some interpretations, ownership of luxury property in Indonesia, documented by land title and valuation that satisfies their internal floor (less commonly used, more officer‑dependent).
What they expect to see:
- Bank letter (surat keterangan bank) addressed to the Directorate General of Immigration stating:
- Your full name and passport number.
- The account type and account number.
- The balance in IDR, with date.
- Statement that the funds are blocked or available in line with Second Home requirements, as per the latest template requested by Immigration.
- Up to 3–6 months of statements, if requested.
The detail of “blocked vs. unblocked” has changed over time and can differ by office; there is no single national statement in June 2026 that the funds will always be blocked for the full stay.
4. Other typical documents
Practice-based Second Home visa Indonesia requirements for an online e‑Visa application usually include:
- Color scan of passport data page (and some countries also require full‑page scans).
- Recent passport-style photo with white background.
- CV or brief personal profile (especially for higher‑profile applicants).
- Statement letter confirming:
- Your intention to stay in Indonesia under the Second Home scheme.
- Undertaking not to work in Indonesia as an employee without additional permits.
- Address in Indonesia (domisili) — rental contract, hotel booking, or own property documentation.
- Marriage certificate and birth certificates for dependants, if applying together.
Exact lists can differ across time and consular posts. Serious applicants should request the latest checklist from a qualified local visa facilitator or from the official online portal before uploading anything.
Application process: step-by-step
This is how a standard Second Home e‑Visa application usually runs, based on real-world files handled 2023–2026. Timelines are indicative, not guaranteed.
Step 1 – Decide your route and timing
- Confirm that your main goal is residence, not local employment.
- Check that your funds or property are comfortably above the currently requested threshold (legacy IDR 2 billion, potentially higher).
- Choose 5‑year vs 10‑year — in practice, higher funds or stronger profile are expected for 10‑year stays.
Step 2 – Convert or transfer funds to Indonesia
- Open an account with an Indonesian bank that is familiar with Second Home / Golden Visa clients.
- Transfer your funds and let them settle.
- Request the Immigration‑compliant bank letter once balances are ready.
Be aware of AML/KYC checks at the banking level. Banks will ask where the money is from; Immigration may also scrutinise unusual flows.
Step 3 – Prepare your e‑Visa application file
Your file will normally contain:
- Personal data (passport, photo).
- Proof of funds / asset documents.
- Statement letters (non‑employment, lawful purpose of stay).
- Dependants’ documents, if applicable.
In practice, most foreign nationals use a local visa agent to prepare and upload the file through the official e‑Visa system, as the form is in Bahasa and details change frequently.
Step 4 – Pay the government fees
Government fees for a Second Home e‑Visa and resulting ITAS are set in rupiah and referenced in official fee tables released by the Directorate General of Immigration and Ministry of Finance. As of last verification June 2026, indicative ranges used in live files are:
- Visa approval / telex fee: typically in the low millions of rupiah per applicant.
- Limited stay permit (ITAS) issuance fee: separate payment upon conversion if done onshore.
Exact amounts depend on visa type, length, and occasional fee revisions. For a current line‑item breakdown, ask your facilitator to show you the latest official fee schedule or confirm via the official Immigration payment portal.
Step 5 – Wait for electronic approval (e‑Visa)
Processing times vary by workload and security checks. Practice-based ranges we have seen (no promises):
- Standard processing: roughly 10–30 working days from complete submission, occasionally longer.
- Files flagged for extra review (e.g. politically exposed persons, complex financials) can take significantly more time.
Once issued, your e‑Visa will be emailed and appears in the online system. You can use it to enter Indonesia within the validity window printed on it.
Step 6 – Enter Indonesia and register your stay
After entry on your Second Home e‑Visa:
- You usually must complete biometrics and ITAS issuance at the local Kantor Imigrasi within the deadline stated in your approval (often within 30 days of arrival, subject to the latest rules).
- Officers capture your fingerprints and photo.
- Your stay permit (ITAS) is issued electronically; some offices provide a physical card as well.
You should also register your address locally if instructed, especially in areas with active RT/RW reporting practices.
If you need detailed planning for your own timeline and family situation, you can plan your trip with our vetted partners via email or WhatsApp. They can lay out realistic steps but still cannot promise an approval or a timeline.
Rights and limits under the Second Home Visa
1. Stay and travel
- You can live in Indonesia for the duration of your ITAS (5 or 10 years), provided you keep meeting the requirements.
- You can leave and re‑enter Indonesia as long as your ITAS and re‑entry permissions are valid.
- Periods of being outside Indonesia for long stretches may raise questions about your “second home” intention in future renewals, but there is no single fixed “maximum time abroad” rule written in Permenkumham 22/2023.
2. Work and business activities
This is the most misunderstood area.
- The Second Home scheme was not designed as a work visa.
- Permenkumham 22/2023 and related rules restrict Second Home holders from taking up employment with an Indonesian employer unless they obtain a separate work‑authorised stay (e.g. work KITAS) and related permits.
- Running an Indonesian PT PMA (foreign‑owned company) and being on the board is a separate matter from being a locally employed staff member:
- In practice, Immigration often expects PT PMA shareholders and directors who are active in operations to hold Investor KITAS or relevant work permits, not rely solely on Second Home.
- Simply being a passive shareholder is generally acceptable, but this shades quickly into tax and regulatory territory.
- Many Second Home holders continue to work remotely for non‑Indonesian clients or foreign employers. This “grey area” is not comprehensively codified; risk tolerance varies. No current regulation explicitly endorses it as of June 2026.
If you need true work rights in Indonesia, explore Investor KITAS, Employment KITAS, or relevant Golden Visa tracks instead of relying on Second Home.
3. Family members
- Spouse and dependent children can typically obtain dependent Second Home stay permits linked to the main holder.
- Dependants do not gain work rights under the dependent permit.
- Documentation requirements (marriage and birth certificates, legalisations, translations) can be stricter than for the main applicant.
4. Path to permanent stay or citizenship
- Second Home is a limited stay permit (ITAS), not a permanent stay (ITAP) and not a citizenship track.
- Long residence in Indonesia may later count towards permanent stay eligibility under separate rules, but there is no automatic upgrade just because you held a Second Home ITAS for a certain number of years.
- Indonesian citizenship rules remain very restrictive for adults.
Tax: how the Second Home Visa interacts with Indonesian tax rules
This is information from public tax rules and practice; it is not tax advice. For real decisions, work with a cross‑border tax advisor familiar with Indonesia.
1. Tax residency triggers
Under Indonesian income tax law, an individual is generally considered an Indonesian tax resident if they:
- Stay in Indonesia for more than 183 days in any 12‑month period, or
- Are present in Indonesia within a tax year and “intend to reside” here.
Your visa type does not override those rules. A Second Home holder who spends most of the year in Indonesia will usually be treated as tax resident.
2. Worldwide income vs territorial practice
- Indonesia’s formal regime is on a worldwide income basis for tax residents, with some reliefs and exemptions for foreign‑sourced income under specific conditions and recent reforms.
- There have been policy moves to make Indonesia more attractive for certain foreign residents, but these are detailed and conditional.
- The tax office can ask about:
- Foreign bank accounts and investments.
- Offshore employment income.
- Income from digital platforms.
Second Home status is not a tax‑free shield. It is a stay permit. You still need to understand Indonesian tax filing and how your home country and any tax treaties handle dual residence.
3. Practical steps for Second Home holders
- Map your likely days in Indonesia over a year; if >183, assume tax residency and plan accordingly.
- Consult a tax advisor who can read both Indonesia’s rules and your home country’s rules side by side.
- Talk to your bank about how your Second Home deposit is treated from a tax reporting standpoint (interest, withholding tax).
We can connect you to vetted Indonesian tax and legal advisors if you plan your trip with our partners via email or WhatsApp.
Costs: government fees, banking, and facilitator ranges
This is a cost map, not a quote. All numbers are indicative and last verified June 2026.
1. Government fees (visa and stay)
Official fees for Second Home visas and ITAS are set in rupiah by Ministry of Finance and Directorate General of Immigration regulations. For a single adult applicant, expect:
- Visa approval (e‑Visa) fee: generally in the low millions of rupiah (often under USD 200 equivalent) per person.
- ITAS issuance and stay permit card: additional millions of rupiah depending on length.
Fee tables can change; payment on the e‑Visa system will show the current official figure at the time you apply.
2. Bank costs for the Second Home deposit
- Transfer / FX spreads: you may lose a few percent converting foreign currency into IDR.
- Account maintenance and withdrawal rules: some banks offer special Second Home / Golden Visa products with specific conditions; read them carefully.
- Opportunity cost: funds in an Indonesian account or property are less flexible than a global investment portfolio; this is a personal financial planning question.
3. Professional facilitator and advisory fees
Professional fees for handling a Second Home application vary by complexity, family size, and how much is bundled (visa, tax advice, bank introduction). As a very broad range seen across multiple providers in 2025–2026:
- Visa handling (per adult): commonly in the USD 1,000–3,000 equivalent range, sometimes higher for VIP services.
- Dependent processing: often at a lower per‑person fee, or bundled.
- Tax / legal advisory: usually charged separately on an hourly or fixed‑scope basis.
These are market observations, not Golden Visa Indonesia’s own prices or endorsements of any specific provider.
Is the Second Home Visa right for you vs Golden Visa / Investor KITAS?
The Second Home route tends to suit people in these scenarios:
- Retirees and semi‑retirees whose primary need is to live in Indonesia long-term, not to be employed by a local company.
- Location‑independent professionals whose income source is offshore and who can tolerate regulatory grey areas around remote work.
- Individuals testing long-term living in Indonesia before committing to heavier investment or corporate setups.
It is less suitable if:
- You want to actively operate a business or be employed in Indonesia soon. In that case, a PT PMA + Investor KITAS or relevant work KITAS is usually more appropriate.
- Your capital is already earmarked for specific investments aligned with Golden Visa requirements and you care about those benefits.
- You are on a tighter budget: holding billions of rupiah effectively parked in an Indonesian bank may not be optimal.
Regulations and on-the-ground interpretations are moving. Before you choose between Second Home, Golden Visa, and Investor KITAS, use our independent guides plus a tailored session with a licensed professional. You can start that process by plan your trip with our partners over email or WhatsApp.
FAQs: Indonesia Second Home Visa
What is the Indonesia Second Home Visa?
The Indonesia Second Home Visa is a long-stay visa and limited stay permit (ITAS) that allows qualifying foreigners to live in Indonesia for 5 or 10 years based primarily on proof of funds or qualifying assets, not a local job. It is regulated under Permenkumham 22/2023 (as amended by 11/2024) and associated Finance Ministry rules, and is aimed at wealthier long-stay residents, not short-term tourists or standard employees.
How much is the Second Home Visa Indonesia deposit requirement?
The legacy benchmark widely applied after launch was proof of at least IDR 2,000,000,000 (two billion rupiah) in an Indonesian bank account or equivalent luxury property ownership. This figure is traced to early implementations of the Second Home scheme and remains a common reference, but PMK 82/2023 and evolving Golden Visa alignment mean the effective threshold can change and may be higher in some cases. As of last verification in June 2026, you should treat IDR 2 billion as a minimum reference, not a guaranteed fixed requirement. Always confirm the current requirement directly with Immigration or a qualified facilitator before committing funds.
Can you work in Indonesia on a Second Home Visa?
In general you cannot legally work as an employee for an Indonesian company on a Second Home Visa alone. The scheme is designed for non-working residents, retirees, and financially independent individuals. To take up employment or play an active, on-the-ground role in a business you typically need a separate work-authorised stay permit such as an Employment KITAS or Investor KITAS, even if you also hold a Second Home ITAS. Remote work for foreign clients remains a grey area that is not explicitly regulated as of June 2026 and carries some regulatory risk.
Is the Second Home Visa the same as Indonesia’s Golden Visa?
No. The Second Home Visa relies mainly on proof of funds or qualifying assets and gives long-term residence without built-in work rights, while Indonesia’s Golden Visa requires defined investments into Indonesia (in higher brackets) and is framed as an investment and strategic talent program. Both can grant 5 or 10-year stays, but they sit under different investment logics and policy objectives. Some harmonisation is being discussed, but as of June 2026 they remain distinct frameworks.
Does the Second Home Visa give permanent residency or citizenship?
No. The Second Home Visa is a limited stay permit (ITAS) for 5 or 10 years, renewable while requirements are met, but it does not automatically convert into permanent stay (ITAP) or lead to citizenship. Long residence via Second Home may later support a separate ITAP application if you meet those rules, but there is no guaranteed upgrade path and Indonesian citizenship remains highly restricted for adults.