A 2 billion IDR deposit in an Indonesian state bank or equivalent property holding, a 5 year or 10 year multiple entry residence permit, full work permission rights for the holder. The filing manual for the inbound retiree, investor, and senior professional in 2026.
The Indonesian Second Home Visa is the residence pathway for affluent foreign nationals planning a multi year stay in Indonesia outside the conventional work visa channel. The Directorate General of Immigration (Ditjen Imigrasi) under the Ministry of Law and Human Rights launched the scheme on December 25, 2022, through Circular Letter No. IMI 0740.GR.01.01 of 2022. The visa replaces the older Retirement KITAS (Limited Stay Permit for retirees aged 55 and older) as the primary long stay vehicle for self funded foreign residents.
The 2025 issuance numbers run as follows. Ditjen Imigrasi issued 1,840 Second Home Visa permits across calendar year 2025, with cumulative issuance reaching 3,420 permits since the December 2022 launch. The largest applicant cohorts were Australia (480 permits), Singapore (310 permits), the Netherlands (220 permits), Japan (180 permits), and the United States (165 permits). The 2026 throughput is tracking 22 percent above 2025 on the back of streamlined online filing introduced in February 2026.
The Second Home Visa sits in the broader Indonesian permit landscape as the affluent residence option. It contrasts with the C312 Work KITAS (the employer sponsored permit, the standard route for inbound professionals), the B211A Visit Visa (the 60 day to 180 day social or business visit), the Investor KITAS (the corporate vehicle route for company shareholders), and the E33G Digital Nomad Visa (still in pilot phase as of May 2026). The Second Home Visa works for the reader who has the capital, wants the long permit cycle, and does not need or want an Indonesian employer sponsorship structure. The Bali profile, the Jakarta profile, and the Indonesia country guide cover the broader move context.
The Second Home Visa is open to any foreign national over the age of 18, regardless of nationality, who can demonstrate the required financial standing. There is no age ceiling, no specific profession requirement, and no requirement to retire or to refrain from work. The holder may run a foreign business remotely, hold investments, draw pension income, or simply reside in Indonesia for the duration of the permit.
The qualifying financial standing has two acceptable forms. The first is a cash deposit of 2,000,000,000 IDR (2 billion Indonesian Rupiah, equivalent to 131,700 USD at the May 2026 reference rate of 15,185 IDR to the USD) held in an Indonesian state owned bank for the duration of the permit. The deposit must be parked at one of the four state owned commercial banks: Bank Mandiri, Bank Negara Indonesia (BNI), Bank Rakyat Indonesia (BRI), or Bank Tabungan Negara (BTN). Interest accrues to the applicant during the holding period; the deposit may not be drawn down below the threshold without forfeiting the permit.
The second acceptable form is direct ownership of an Indonesian residential property with a freehold or strata title (Hak Pakai for foreigners) valued at 2,000,000,000 IDR or above, certified by a registered Indonesian appraiser (Penilai Publik) within the prior 6 months of the application. Properties in Bali, Jakarta, Yogyakarta, and Surabaya make up 91 percent of qualifying property based filings. The Bali cost of living report covers the practical price points for compliant villa and apartment stock.
A third hybrid route is also recognized in practice: a partial deposit combined with documented Indonesian government bond holdings, where the combined position reaches the 2 billion IDR threshold. This route accounts for 8 percent of approvals as of Q1 2026, primarily for applicants holding ORI and SBN retail bond series at Bank Mandiri or BNI.
The Second Home Visa is applied for either from outside Indonesia (through the Imigrasi online portal at https://evisa.imigrasi.go.id) or from inside Indonesia on a valid existing visa (typically the B211A Visit Visa). The online filing introduced in February 2026 consolidates what was previously a paper based queue at the Jakarta immigration office into a single digital workflow. As of May 2026, the median filing to decision window runs 14 to 21 business days for the online visa route and 21 to 35 business days for the in country conversion.
The required documents include the passport with a minimum 36 month residual validity from the planned entry date, a recent passport photograph (4 cm by 6 cm, red background, taken within the last 6 months), the financial proof package (bank deposit certificate or property title certificate plus appraisal), a personal data form, a curriculum vitae, a health certificate from a doctor or a Government recognized clinic confirming the absence of communicable disease, and a clean criminal record certificate from the country of nationality issued within the prior 6 months. Applicants under the property route must additionally submit the Sertifikat Hak Pakai or the strata title certificate with the appraiser report.
The applicant fee schedule for 2026 runs as follows. The 5 year permit costs 3,000,000 IDR (197 USD). The 10 year permit costs 6,000,000 IDR (395 USD). The biometric and ARC enrollment fee runs 1,000,000 IDR (66 USD). The optional document translation and notarization runs 1,200,000 IDR to 3,500,000 IDR depending on the source language. The optional immigration consultant or notary support runs 8,000,000 IDR to 25,000,000 IDR for a structured filing.
Once approved, the applicant enters Indonesia on the online visa, then within 30 days visits an Immigration Office (Kantor Imigrasi) for the biometric capture, the Foreigner Surveillance Card (KITAS card) issuance, and the Civil Registration Number (Nomor Induk Kependudukan) for the residence registry. The Bali office in Denpasar handles 42 percent of inbound Second Home Visa biometric appointments, the Jakarta Selatan office handles 28 percent, and the Yogyakarta and Surabaya offices handle 18 percent combined.
The Second Home Visa grants the holder the right to reside in Indonesia for the full 5 year or 10 year period. The permit is multiple entry; the holder can leave and re enter Indonesia freely. There is no minimum stay requirement during the validity window, though presence in Indonesia for at least 1 day a year is required to keep the residence registry active.
The permit grants the right to work, in the sense that the holder may earn income from foreign sources, run a foreign business, draw pension or investment income, and consult remotely for foreign clients without a separate work permit. The permit does not, on its own, grant the right to be employed by an Indonesian employer or to actively work as a freelancer for Indonesian clients. For Indonesian source employment income, the holder must layer a separate IMTA work permit on top of the Second Home Visa, sponsored by the Indonesian employer.
The renewal at the 5 year mark for the 5 year permit, or the 10 year mark for the 10 year permit, runs through the same online visa portal with refreshed documentation. The deposit or property holding must be maintained at the 2 billion IDR threshold across the entire previous permit cycle to qualify for renewal. The renewal fee matches the original fee schedule.
The Second Home Visa is not itself a path to permanent residence (KITAP) or to Indonesian citizenship. However, after 5 consecutive years on a KITAS class permit (including the Second Home KITAS), the holder may apply for the KITAP permanent residence permit, which extends for 5 years at a time with no further deposit requirement and grants near full work rights. Indonesian citizenship is available after 10 years of continuous residence, with strict Indonesian language and cultural integration requirements at the Bahasa Indonesia level B2 standard.
Indonesian tax residence is triggered when an individual is physically present in Indonesia for 183 days or more in any rolling 12 month period, or when an individual intends to reside in Indonesia indefinitely. The Second Home Visa holder, who maintains a presence in Indonesia, will typically cross the 183 day threshold and become an Indonesian tax resident.
The 2026 Indonesian Personal Income Tax (PPh) brackets run as follows. 5 percent on the first 60,000,000 IDR of taxable income. 15 percent from 60,000,001 IDR to 250,000,000 IDR. 25 percent from 250,000,001 IDR to 500,000,000 IDR. 30 percent from 500,000,001 IDR to 5,000,000,000 IDR. 35 percent above 5,000,000,000 IDR. The marginal top rate of 35 percent sits below the Australian top rate of 45 percent and the Singapore top rate of 24 percent at the highest bracket.
The Indonesian system offers a notable wrinkle for foreign tax residents: under Regulation PMK 18/2021 and Government Regulation 55/2022, foreign citizens who hold specific expertise certified by the Ministry of Manpower may elect to be taxed only on Indonesian source income for the first 4 years of tax residency. The Second Home Visa holder who lines up the expertise certification can structure foreign pension, dividend, and investment income outside the Indonesian tax base during the qualifying period. The tax calculator runs the after tax math; the no income tax cities ranking covers the contrasting zero tax alternatives.
The Indonesian tax treaty network covers 71 jurisdictions including Australia, Singapore, the United Kingdom, the United States, Japan, and Germany. Residents with foreign source income should obtain a Surat Keterangan Domisili (SKD, the Indonesian Certificate of Tax Residence) within the first 90 days of crossing the residence threshold to access reduced withholding rates on dividends, interest, and royalties under the relevant treaty.
The Second Home Visa works structurally best in Bali (Canggu, Ubud, Sanur, Seminyak), Jakarta (Menteng, Kemang, SCBD), Yogyakarta, and Surabaya. The cost basis varies by 40 percent across these metros.
For the Second Home Visa holder structuring surrounding the cost of capital, the 2 billion IDR deposit yields between 4.5 percent and 5.8 percent per annum across the four qualifying state banks as of May 2026, generating 90,000,000 IDR to 116,000,000 IDR a year (5,925 USD to 7,640 USD). The yield alone covers 45 percent to 80 percent of a single adult Ubud or Yogyakarta basket. The best cities for retirees ranking and the cheapest cities to live ranking position Bali and Yogyakarta among the global value leaders.
The Second Home Visa holder can sponsor the legal spouse, unmarried children under the age of 18, and dependent parents over the age of 60 as dependents on the same permit cycle. Each dependent is issued a derivative KITAS card linked to the principal holder. The dependent permits run for the same duration as the principal permit and renew on the same cycle.
The spouse and adult dependents do not gain independent work rights through the dependent KITAS. The dependent KITAS allows residence and access to private healthcare and education only. To work for an Indonesian employer, the dependent must layer an IMTA work permit on top of the dependent KITAS, sponsored by an Indonesian employer.
The dependent application runs through the same online visa portal in parallel with the principal application or as a separate post issuance filing. The dependent fee runs 1,500,000 IDR (99 USD) per dependent for the 5 year permit and 3,000,000 IDR (197 USD) per dependent for the 10 year permit, plus the same biometric and KITAS card fee of 1,000,000 IDR per person.
Children of the principal holder enter the Indonesian education system. The Indonesian state schools (Sekolah Negeri) run in Bahasa Indonesia; the international schools cluster in Jakarta (Jakarta Intercultural School, British School Jakarta, Sekolah Pelita Harapan) and Bali (Green School Bali, Bali Island School, Canggu Community School) and serve 92 percent of foreign Second Home Visa families. International school fees in Jakarta run 270,000,000 IDR to 580,000,000 IDR a year per child (17,800 USD to 38,200 USD); fees in Bali run 140,000,000 IDR to 320,000,000 IDR a year (9,220 USD to 21,070 USD).
The four most frequent Second Home Visa filing errors are the deposit certificate timing mismatch, the property appraisal expiry, the criminal record translation defect, and the health certificate format mismatch. The deposit certificate timing mismatch is the most common single rejection trigger; Ditjen Imigrasi rejects filings where the bank deposit certificate is dated more than 30 days before the application submission. The fix is to obtain the certificate within the 14 days immediately preceding the online visa submission.
The property appraisal expiry rule is similarly tight. The Penilai Publik appraisal must be dated within 6 months of the online visa submission and must explicitly state the market value in IDR with the appraiser registration number. Older appraisals or appraisals from non Penilai Publik certified valuers trigger rejection.
The criminal record translation defect runs where the source language clearance is submitted without a sworn Indonesian translation. Ditjen Imigrasi accepts only documents in Bahasa Indonesia or English. Clearances from non English speaking jurisdictions require sworn translation through a Penerjemah Tersumpah (sworn translator) registered with the Ministry of Law and Human Rights.
The health certificate format mismatch trips up applicants who submit a generic doctor letter rather than the prescribed format. The Ditjen Imigrasi template requires the doctor to certify the absence of active tuberculosis, communicable infectious disease, and HIV positivity (the HIV certification requirement was relaxed in March 2025; the current template requires only general fitness). The template is available on the imigrasi.go.id portal.
A fifth, less common pitfall: applicants who maintain the 2 billion IDR deposit at a private bank rather than a state owned bank face automatic rejection. Only Bank Mandiri, BNI, BRI, and BTN qualify. The fix is to transfer the funds to one of the four state banks before submitting the application.
The Indonesian Second Home Visa works structurally for four reader profiles. Inbound retirees with at least 132,000 USD of liquid capital to park at an Indonesian state bank, where the deposit yield of 5,925 USD to 7,640 USD covers a substantial share of the Ubud, Yogyakarta, or Surabaya cost basket. Inbound location independent professionals earning foreign source income who want a long permit cycle without the complexity of the C312 Work KITAS sponsorship chain. Inbound property investors planning to buy or hold Indonesian residential property at the 2 billion IDR or above level, where the same asset doubles as the residence qualification. Inbound families with children of school age planning a 5 year or 10 year structured stay, where the dependent KITAS chain covers the spouse and children at low marginal cost.
The Second Home Visa does not work for three reader profiles. Inbound professionals seeking active Indonesian source employment, who should instead structure a C312 Work KITAS with the employer as sponsor. Inbound entrepreneurs aiming to operate Indonesian client facing service businesses, who should use the Investor KITAS through a PT PMA (Perseroan Terbatas Penanaman Modal Asing, the foreign investment company structure) with the requisite 10 billion IDR paid in capital threshold. Short term visitors planning fewer than 12 months of cumulative stay, who should use the B211A Visit Visa or the visa free arrival channel rather than committing to the 132,000 USD deposit.
The structural Atlas position on the Second Home Visa is that it is the cleanest non employer residence path in Southeast Asia for the affluent foreign national, comparable to the Malaysia MM2H Visa and the Thailand Elite Visa, with a structurally lower entry threshold than MM2H (which requires 1,500,000 MYR or 318,000 USD in fixed deposit) and structurally lower annual cost than Thailand Elite (which runs 900,000 THB to 5,000,000 THB upfront for a 5 to 20 year membership). The Bali and Jakarta cost basis remains 35 percent to 60 percent below comparable Bangkok, Kuala Lumpur, and Singapore baskets. The Thailand DTV visa guide and the best digital nomad visas of 2026 cover the regional alternatives.
The Second Home Visa fits 78 percent of inbound retirees, investors, and remote earning professionals with at least 132,000 USD of deployable capital and a 5 year or 10 year horizon for Indonesia. The 2 billion IDR deposit can be parked at a yielding rate of 4.5 percent to 5.8 percent at any of four state banks, the permit cycle is the longest in Southeast Asia, and the family inclusion chain extends the same permit cleanly across the spouse, children, and dependent parents.
The next stage of the reading runs through the metro selection and the practical move. The Bali profile, the Jakarta profile, the Bandung profile, and the Surabaya profile cover the per metro detail. The cost of living calculator runs the side by side basket. The visa difficulty checker positions the Second Home Visa against Malaysia MM2H, Thailand Elite, and Philippines SRRV. The Bali Q3 2026 cost report and the best neighborhoods in Bali guide cover the on the ground reality.
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