Indonesia Second Home Visa: Deposit, Requirements, Cost & How to Apply

Indonesia second home visa is the Directorate General of Immigration’s (DGI) long-stay, non-working 5- or 10-year stay permit created under PP 48/2021 and implemented via DGI Circular IMI-0740.GR.01.01/2022. The indonesia second home visa is aimed at foreign long‑stayers with at least IDR 2,000,000,000 in qualifying funds or property, who want to live in Indonesia but not work in the local labor market.

Independence disclosure. Second Home Visa Indonesia is an independent information publisher, not the Government of Indonesia, not the Directorate General of Immigration, and not a law firm. We read the regulations, translate them into plain language, and work with vetted licensed partners for execution. Nothing here is legal advice or a guarantee of approval. No one can pay to change what we publish; if you proceed with our partner they may pay us a referral fee at no extra cost to you.

Indonesia Second Home Visa at a Glance

All core facts below are sourced from:

• Government Regulation (Peraturan Pemerintah) PP 48/2021 on Immigration
• Director General of Immigration Circular IMI-0740.GR.01.01/2022 on the Second Home Visa

Last regulatory review and figures verified: June 2026. FX conversions are indicative and will move with the market.

Item	Snapshot	Source
Visa type	Second Home Visa, e‑Visa index E33F	IMI-0740.GR.01.01/2022
Stay period	5 years or 10 years (select at application)	IMI-0740.GR.01.01/2022
Work rights	No right to work in Indonesia (non‑working stay)	PP 48/2021 + IMI-0740.GR.01.01/2022
Core financial requirement	Proof of funds or investment of at least IDR 2,000,000,000 (second home visa indonesia 2 billion)	IMI-0740.GR.01.01/2022
USD equivalent	~USD 120,000–130,000 (indicative; last checked June 2026)	Based on market FX; not in regulation
Deposit form	Time deposit in an Indonesian state‑owned bank or qualifying property ownership (see below)	IMI-0740.GR.01.01/2022
Eligible applicants	Foreign citizens (WNA) and certain ex‑Indonesian citizens (ex-WNI)	PP 48/2021 + IMI-0740.GR.01.01/2022
Family members	Spouse, children can apply as dependants with linked stay permits	IMI-0740.GR.01.01/2022
Application mode	Online e‑Visa (no telex sponsor needed for main applicant)	DGI policy derived from IMI-0740.GR.01.01/2022

This visa suits retirees, location‑independent professionals paid from abroad, and long‑stay residents who want stability without entering the Indonesian labor market.

If you want help mapping this to your situation, you can plan your trip with our team or via WhatsApp with a vetted immigration partner. We’ll keep the regulation in plain view throughout.

What Is the Indonesia Second Home Visa?

The second home visa Indonesia was created after Indonesia overhauled its immigration framework via PP 48/2021. The Directorate General of Immigration then implemented a specific visa class through Circular IMI-0740.GR.01.01/2022 dated 25 October 2022.

Regulation-based definition

• Purpose: Long‑term stay for foreigners who “intend to reside in Indonesia and/or carry out certain activities” while relying on substantial own funds or investment, not on local employment (IMI-0740.GR.01.01/2022).
• Form: An e‑Visa, with index code E33F, convertible on arrival into a Second Home ITAS (limited stay permit).
• Duration: 5 years or 10 years, chosen at application. PP 48/2021 allows multi‑year limited stay permits; the 5/10 option is specified in the Circular.
• Category: Non‑working visa. PP 48/2021 clearly separates visas for work from visas for stay and other activities. The Second Home Visa is in the non‑work group.

In Bahasa Indonesia, DGI describes it as “Visa Rumah Kedua”: a facility so foreigners and ex‑WNI can make Indonesia a “second home” if they have significant economic capacity.

What it is not

• Not a retirement visa (that remains a separate KITAS path under different rules).
• Not a work visa or “digital nomad visa”. You can live long‑term and manage offshore income or assets, but you cannot be employed in Indonesia.
• Not a path to citizenship. PP 48/2021 covers immigration status; citizenship is under a separate law.

Indonesia Second Home Visa Deposit & Financial Requirements

The most distinctive feature of the indonesia second home visa requirements is the financial threshold around IDR 2 billion. Here is how it works, based on IMI-0740.GR.01.01/2022.

The IDR 2,000,000,000 requirement (last verified June 2026)

The Circular sets a minimum economic capacity of IDR 2,000,000,000 (two billion rupiah). You can satisfy this requirement in one of two main ways:

1. Cash / time deposit in an Indonesian state‑owned bank (bank BUMN), or
2. Owned luxury property in Indonesia that meets criteria set by the Ministry of Agrarian and Spatial Planning / National Land Agency (ATR/BPN) and DGI.

The ~USD value is not in any regulation. Using typical rates from early–mid 2026, IDR 2,000,000,000 ≈ USD 120,000–130,000 (last checked June 2026; please confirm your bank’s FX rate).

Option 1: Bank deposit in a state-owned bank

The Circular requires a “rekening tabungan atas nama orang asing pada bank milik negara” i.e. a savings account/time deposit under the foreigner’s name in a state‑owned bank. The main examples are:

• Bank Mandiri (Persero) Tbk
• Bank Negara Indonesia (BNI) (Persero) Tbk
• Bank Rakyat Indonesia (BRI) (Persero) Tbk
• Bank Tabungan Negara (BTN) (Persero) Tbk

Key points from IMI-0740.GR.01.01/2022:

• Minimum balance: IDR 2,000,000,000 in the applicant’s own name.
• Evidence: bank statement or certificate issued by the bank confirming the balance.
• Timing: funds must be in place when you apply and are generally expected to remain for the duration of stay. The Circular describes the deposit as a “guarantee of living expenses”. There is no explicit withdrawal schedule in the Circular, so bank practice and officer discretion apply. [VERIFY in practice with your bank/agent]

The regulation does not specify the interest rate, term length of the deposit, or whether the account must be non‑withdrawable. Those are bank‑level commercial terms and vary by bank and time. Any numbers you see online for rates are marketing, not immigration law.

Option 2: Qualifying property instead of cash

The Circular gives an alternative: “bukti kepemilikan properti di Indonesia” with value at least IDR 2,000,000,000. The detail of what counts as “luxury” property and how it is valued is coordinated with ATR/BPN and related regulations, which are outside PP 48/2021 itself.

In practice (last checked with partners June 2026):

• Property must be in your own name (or long‑term right of use / Hak Pakai for foreigners) and fully documented with land certificate and IMB/SLF where relevant.
• Market valuation is usually required; some immigration offices expect an appraisal or tax value documents (NJOP) showing value ≥ IDR 2,000,000,000.
• Off-plan or developer marketing prices alone are often not sufficient without proof of title and payment. [VERIFY project-by-project]

This route is possible but more document-heavy; the clearest path under the Circular is still the bank deposit.

Family members and the deposit

IMI-0740.GR.01.01/2022 treats spouse/children as “pengikut” (dependants) of the main Second Home Visa holder. The deposit requirement attaches to the main applicant:

• You maintain IDR 2,000,000,000 as the base threshold.
• Dependants do not need separate deposits of IDR 2 billion each.

This is explicit in the Circular’s description of dependant visas and is reflected in the e‑Visa index structure (dependant indices tie to the principal’s E33F).

Who Is Eligible for the Second Home Visa Indonesia?

Core eligibility

From PP 48/2021 and IMI-0740.GR.01.01/2022, an applicant must be:

• A foreign citizen (Warga Negara Asing, WNA) or an ex‑Indonesian citizen (ex‑WNI) with proof of past Indonesian nationality.
• Holding a valid passport with at least 36 months validity at time of application (Circular requirement).
• Able to demonstrate funds or property of at least IDR 2 billion as above.
• Free of immigration blacklist or security issues under PP 48/2021.

Who it suits best

• Retirees who want a 5–10 year stay rather than rolling annual retirement KITAS. Note: the Second Home Visa does not require a pension income from abroad, unlike the classic retirement visa path.
• Location‑independent professionals (remote workers, founders, investors) who are paid by or draw profits from entities outside Indonesia and do not need an Indonesian employment contract.
• Ex‑WNI who want to re‑anchor themselves in Indonesia without re‑acquiring citizenship.
• Families wanting long‑term schooling or lifestyle in Indonesia, based on one main applicant’s financial capacity.

Who it does not fit well

• People who need a local job (employee, salary on an Indonesian payroll) – they need a work KITAS pathway instead.
• Those who cannot comfortably set aside IDR 2 billion in a deposit or property; this visa is explicitly for high‑net‑worth or upper‑middle‑net‑worth migrants.
• Short‑term visitors (under 60–180 days) who are better served by VOA, B211A, or other visitor visas.

Indonesia Second Home Visa Requirements: Documents & Conditions

Below is a regulation‑based checklist for the indonesia second home visa requirements, synthesizing IMI-0740.GR.01.01/2022 and DGI’s e‑Visa practice as of June 2026.

Main applicant – core documents

Passport

Minimum 36 months validity remaining.

Photograph

Recent color photo with white background (standard immigration format).

Proof of funds / property

Bank letter/statement from state‑owned bank showing balance ≥ IDR 2,000,000,000, or property documents showing qualifying ownership/value.

Statement letter

Written statement of commitment to place funds in a state‑owned bank (where applying on commitment basis) or to comply with visa terms (template referenced in Circular).

Personal details

Residence address in Indonesia (can be temporary/short‑term lease initially), contact details.

Specific document formatting (legalization, translation) can change quickly through internal DGI instructions. [VERIFY exact upload formats on the e‑Visa portal or with a licensed agent at time of application].

Dependants – spouse and children

For dependants, the Circular provides for “visa rumah kedua bagi keluarga”. Typical requirements:

• Marriage certificate (for spouse) legalized and/or apostilled, translated into Bahasa Indonesia by a sworn translator if not in English or Bahasa.
• Birth certificates (for children) similarly legalized/apostilled and translated.
• Passports for each dependant with adequate validity.
• Evidence that the principal Second Home Visa has been issued or is being issued (often a visa number or approval letter).

Dependants receive a stay period usually matched to the main applicant’s 5 or 10 years, but always subject to the principal’s status. If the principal’s permit is canceled, dependant permits typically follow.

Ongoing conditions once in Indonesia

• Address reporting: You must maintain a valid reported address (lapor diri) with the local immigration office, as required under PP 48/2021.
• Permit validation: Convert your e‑Visa to an ITAS (limited stay permit) upon arrival within the timeframe stated on your visa.
• Compliance with non‑work rule: No engagement in Indonesian employment or income‑earning activities that require a work permit.
• Deposit/property continuity: Maintain the qualifying financial basis (bank deposit or property). If funds drop below the threshold or property is sold without replacement, immigration can reassess your eligibility. [Practice detail depends on local office; risk is real even if not spelled line‑by‑line in the Circular.]

Can You Work on an Indonesia Second Home Visa?

Short answer from the law: No – the Second Home Visa does not grant work rights in Indonesia.

What “no work” means in PP 48/2021 terms

PP 48/2021 distinguishes:

• Visas for working (attached to work ITAS, require RPTKA/IMTA or its current equivalents), and
• Visas for stay/other activities without working.

The Second Home Visa is in the latter category. IMI-0740.GR.01.01/2022 frames it around residence and economic capacity, not employment.

Examples of what you cannot do

• Be on the payroll of an Indonesian company.
• Hold an Indonesian employment contract as an employee.
• Act as a director/commissioner with day‑to‑day operational responsibility in an Indonesian PT where a work permit would normally be required.
• Freelance locally for Indonesian clients in a way that amounts to doing business in Indonesia.

Activities that are typically acceptable

These are consistent with a non‑work stay, but the boundary can be blurry, and tax law may still apply:

• Managing or monitoring overseas businesses or portfolios remotely (e.g., you are a shareholder of a foreign company; your income is foreign‑sourced).
• Owning shares in Indonesian companies as a passive investor, as allowed under investment and company law, while not holding an operational role that requires a work permit.
• Online activity for employers or clients outside Indonesia, paid into foreign accounts, with no Indonesian entity involved. Even here, tax residency rules may apply.

If you want to work in Indonesia, you should instead discuss a work KITAS and relevant visa index with a licensed immigration consultant or law firm. The Second Home Visa is not a legal shortcut to local work.

Tax and the Indonesia Second Home Visa

Immigration status and tax status are related but distinct. The Second Home Visa does not automatically exempt you from Indonesian tax.

Tax residency basics

Under Indonesian tax law (separate from PP 48/2021), you are generally considered a tax resident if:

• You are present in Indonesia for more than 183 days in any 12‑month period; or
• You reside in Indonesia and intend to stay (domicile) – which a 5–10 year visa strongly suggests.

Once you are tax resident, Indonesia may tax your worldwide income, subject to transitional rules, double tax treaties, and any future “expat tax” policy adjustments. As of June 2026, these details are under the domain of the Directorate General of Taxes, not DGI immigration. [VERIFY with a licensed Indonesian tax adviser; do not rely on social media claims of “tax‑free” second home stays].

What the Circular says on tax

IMI-0740.GR.01.01/2022 itself does not define tax treatment; it only creates an immigration channel. High‑net‑worth residents are clearly of interest to the tax authority, and policy signals have pointed to eventual integration, but this is political and can change.

If tax planning is material to you, coordinate:

• An immigration specialist (for compliance with PP 48/2021 and the Second Home Visa); and
• A tax adviser or law firm registered in Indonesia (for residency, treaty use, and filing obligations).

How to Apply for the Indonesia Second Home Visa (E33F)

This section summarizes the standard application flow as of June 2026, combining IMI-0740.GR.01.01/2022 with practice on the DGI e‑Visa system.

Step 1 – Decide on 5 vs 10 years and deposit vs property

• Choose 5‑year or 10‑year stay. Both are available; fees differ.
• Decide if you will use a bank deposit or property ownership to meet the IDR 2 billion threshold. Bank deposit is simpler for most applicants.

Step 2 – Prepare the financial proof

1. Open an account with a state‑owned Indonesian bank (if taking the deposit route). Some banks allow non‑resident account opening but may need an initial visit or video KYC. Bank procedures are policy, not law; they change often.
2. Transfer funds so that your balance is at least IDR 2,000,000,000.
3. Request an official bank letter or statement in English or Bahasa confirming the balance and account holder name.
4. For property, compile land certificates, purchase agreements, tax value documents (NJOP), and any professional valuation if requested.

Step 3 – Gather supporting documents

• Scan of passport (ID page) with required remaining validity.
• Recent digital passport photo on white background.
• Bank or property documentation.
• Statement letter committing to maintain deposit or comply with visa terms (your agent can provide a template aligned with the Circular).
• Marriage/birth certificates for dependants, with apostille/legalization and translations where required.

Step 4 – Submit the online e‑Visa application

The Second Home Visa uses the DGI’s e‑Visa system. In many cases no Indonesian “sponsor” is required for the principal E33F; the visa is based on your financial capacity and status.

• Create or use an existing account on the official immigration e‑Visa portal.
• Select the E33F Second Home Visa index and the desired duration.
• Upload documents and fill in biographical and address information.
• Pay the government visa fee (amounts below are placeholders; confirm live on the portal at the time of payment).

Government fee range (non‑binding, last broadly checked June 2026)

• Principal Second Home Visa (5 years): often in the low–mid USD hundreds equivalent.
• Principal Second Home Visa (10 years): higher band, sometimes close to double the 5‑year fee.
• Dependent visas: lower, but still material.

DGI can adjust fees through Minister of Finance regulations and DGI decrees. Always [VERIFY] the exact amount on the day you pay.

Step 5 – Wait for processing

Processing times are not set in PP 48/2021 or the Circular; they depend on workload and completeness:

• Real‑world ranges observed via partners (June 2026): ~5–15 working days for straightforward cases.
• Longer if documents raise questions or if additional checks are needed.

Approval is discretionary. No agent or website can promise a result; they can only manage paperwork and communication.

Step 6 – Receive your e‑Visa and travel to Indonesia

Once approved, you receive an e‑Visa PDF stating your index (E33F), validity to enter, and initial conditions. You enter Indonesia using this e‑Visa and must:

• Arrive before the e‑Visa entry validity expires.
• At immigration on arrival, show your e‑Visa and passport.

Step 7 – Convert to ITAS and collect your residence card

Within the timeframe stated on your e‑Visa (commonly 30 days, [VERIFY live]), visit your local immigration office to:

• Submit biometrics (photo, fingerprints).
• Convert the e‑Visa into a Second Home ITAS (limited stay permit) with the same 5‑ or 10‑year validity.
• Obtain your electronic ITAS and residence document (now usually an e‑card / digital form, depending on current DGI practice).

Dependants go through a similar process, linked to the principal’s file.

Costs: Government Fees & Typical Service Ranges

Exact government fees are set in finance regulations and periodically updated. Agents add their own service fees, which vary widely.

Government fees (indicative only)

As of June 2026, publicly available schedules and partner feedback suggest that:

• 5‑year principal visa & ITAS package: roughly in the IDR low millions to mid‑teens millions (single digits thousands of USD at most).
• 10‑year principal visa & ITAS package: higher band, possibly close to double the 5‑year schedule.
• Dependants: usually a percentage or fraction of the principal’s government fee.

Because fee regulations can change with short notice, always treat these as ballpark and [VERIFY on the DGI fee schedule].

Agent / service fees

For applicants using a licensed visa agent or law firm, total professional fees for a Second Home Visa package (principal plus standard handling) are typically:

• In the low–mid USD thousands equivalent (last cross‑checked with partners June 2026).

Prices differ depending on:

• Number of dependants.
• Property vs deposit route (property = more documentation).
• In‑person accompaniment vs remote coordination.

If you’d like a current, itemized quote from a vetted partner (agent or law firm) with regulation references kept front‑and‑center, you can plan your trip and request WhatsApp coordination.

Second Home vs Retirement vs “Golden” Visas

Many people confuse the Second Home Visa with retirement and “golden” investment schemes. Here is a simple comparison.

Feature	Second Home Visa (E33F)	Retirement KITAS	Investment / “Golden”‑type KITAS
Core regulation	PP 48/2021 + IMI-0740.GR.01.01/2022	PP 48/2021 + separate DGI circulars	PP 48/2021 + investment regulations (BKPM/OSS)
Stay length	5 or 10 years	1 year, extendable stepwise	Often 1–2 years, extendable (path to KITAP)
Work rights	No	No	Possible for certain roles (director, commissioner) with work permit
Key financial threshold	IDR 2,000,000,000 deposit or qualifying property	Monthly foreign pension income + housing, lower capital thresholds	Share capital and investment in Indonesian company (amount varies by sector)
Target profile	High‑net‑worth long‑stayers and ex‑WNI	Older retirees (55+)	Entrepreneurs and investors operating businesses in Indonesia

The Second Home Visa sits between retirement and pure investment: more capital‑heavy than retirement, less business‑obligated than an investor KITAS, and strictly non‑working.

Risks, Grey Areas, and Recent Changes

Regulation‑based clarity is one thing; implementation in the field is another. Here are areas where you should proceed cautiously and expect change.

Deposit withdrawal rules

The Circular references the deposit as a “guarantee” but does not publish an explicit withdrawal schedule or penalty system. In practice, banks and immigration officers may expect:

• That the balance stays at or above IDR 2,000,000,000 for the life of the permit, and
• Notification or re‑evaluation if funds are moved.

Because this is not fully codified in PP 48/2021 or IMI-0740.GR.01.01/2022, treatment can be inconsistent. [VERIFY with your chosen bank and a local immigration office before assuming you can freely withdraw].

Policy tightening or expansion

Since launch in late 2022, DGI has issued internal clarifications and website updates about eligible activities and technical requirements. These are policy, not law, and can shift with political direction, especially around:

• Tax coordination for long‑stay foreigners.
• Property ownership and valuation control.
• Integration of Second Home holders into digital ID and reporting systems.

Our practice is to re‑check primary sources at least quarterly; the “last verified June 2026” tags above reflect the most recent full review of PP 48/2021 and IMI-0740.GR.01.01/2022 for this page.

Mis-selling and over-promising

Common marketing claims that do not match the regulations include:

• “Work legally on a Second Home Visa” – not supported by PP 48/2021 or the Circular.
• “Guaranteed approval” – approval is discretionary; DGI can refuse applications, even if you meet the deposit.
• “Tax‑free living in Indonesia” – immigration regulations do not grant tax exemptions.

Any serious adviser should be comfortable pointing you back to PP 48/2021, the circular number, and the e‑Visa index rather than just a brochure.

Getting Professional Help – and Staying in Control

The indonesia second home visa deposit and document trail are large enough that many applicants choose professional help. That does not mean you need to hand over control or accept vague explanations.

Second Home Visa Indonesia is an information-focused platform. We:

• Track PP 48/2021, IMI‑0740.GR.01.01/2022 and follow‑on policies.
• Curate a small network of vetted, licensed immigration partners and law firms.
• Insist that partners put the regulation on the table in plain English/Bahasa, and not over‑promise outcomes.

If you want to map your case (family size, deposit structure, remote‑work pattern, tax residency) against the real rules and then hand off the execution, you can plan your trip and request WhatsApp‑based planning with a partner who works to those standards. No one can pay to change what we publish; if you proceed with our partner they may pay us a referral fee at no extra cost to you.

Key Takeaways

• The indonesia second home visa is a 5‑ or 10‑year, non‑working stay permit under PP 48/2021 and DGI Circular IMI-0740.GR.01.01/2022.
• You must show at least IDR 2,000,000,000 (second home visa indonesia 2 billion) in a state‑owned bank or qualifying property; this is about USD 120,000–130,000 at mid‑2026 rates.
• No work rights: you can live, manage offshore income, and invest, but not be employed in Indonesia.
• Spouse and children can join as dependants off the same deposit.
• Tax residency is likely if you actually live in Indonesia; immigration law does not exempt you from tax law.
• Rules on deposit continuity and tax are still evolving – treat social media claims with caution and check primary regulations.

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What is the Indonesia Second Home Visa?

The Indonesia Second Home Visa is a long‑stay, non‑working e‑Visa (index E33F) created under PP 48/2021 and DGI Circular IMI-0740.GR.01.01/2022. It allows eligible foreigners and ex‑Indonesian citizens to live in Indonesia for 5 or 10 years based on proof of at least IDR 2 billion in funds or qualifying property.

How much is the Indonesia Second Home Visa deposit?

The required economic capacity is at least IDR 2,000,000,000 (two billion rupiah), either as a deposit in an Indonesian state‑owned bank or as qualifying property ownership, as stated in IMI-0740.GR.01.01/2022. This is roughly USD 120,000–130,000 at recent exchange rates (last checked June 2026; FX moves daily).

Can I work on a Second Home Visa Indonesia?

No. The Second Home Visa is classified as a non‑working stay visa under PP 48/2021. You cannot take employment with an Indonesian employer or perform work that requires a work permit. You may manage offshore businesses or investments, but tax and regulatory boundaries still apply.

Can my family join me on the Indonesia Second Home Visa?

Yes. Spouses and children can apply as dependants (“keluarga” or “pengikut”) of a Second Home Visa holder. The main applicant’s IDR 2 billion deposit or property supports the family; dependants normally do not need separate deposits, but they must submit relationship documents and obtain their own dependant visas and ITAS.

Is the Indonesia Second Home Visa tax-free?

No. The Second Home Visa only governs immigration status. Tax residency and liability are determined under Indonesian tax law, not PP 48/2021 or the Circular. If you live in Indonesia for more than 183 days in a 12‑month period or establish domicile, you may become a tax resident and potentially owe tax on worldwide income, subject to detailed rules and treaties. Consult a licensed Indonesian tax adviser for current guidance.