Information, not advice: Second Home 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. The Second Home Visa is a non-working visa; the IDR 2 billion deposit is IDR-set and FX-exposed, rules change by regulation, and 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.
The **second home visa indonesia 2 billion** rule is the capital requirement that sits at the centre of Indonesia’s Second Home Visa: you must show at least **IDR 2,000,000,000** in qualifying assets to qualify. This page explains exactly where that “2 billion” comes from, what counts as proof, and what it does – and doesn’t – give you.
What the Second Home Visa Is (and What It Is Not)
Indonesia’s Second Home Visa is a **long-stay residency visa** intended for:
– “Orang asing tertentu” (certain foreign nationals), AND
– “Ex-WNI” (former Indonesian citizens),
who can show a **minimum wealth threshold** in Indonesia.
Legally, the framework comes from:
– **PP 48/2021** – Government Regulation on Immigration (general long-stay rules).
– **Permenkumham No. 29 Tahun 2021** – implementing regulation for visas and stay permits.
– **Circular Letter of the Director General of Immigration No. IMI-0740.GR.01.01/2022** – specific implementation of the Second Home Visa, including the **IDR 2 billion** requirement.
The Second Home Visa is:
– A **limited stay visa (Visa Tinggal Terbatas)** that can be converted into a **limited stay permit (Izin Tinggal Terbatas / ITAS)**, and then a **permanent stay permit (ITAP)** under the usual pathways, subject to updated rules.
– **Not** a work visa. There are **no work rights** built into this scheme.
We provide information and interpretation based on regulations and field practice. We are not the immigration office; **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.**
Where the “2 Billion IDR” Comes From
The **2 billion idr second home visa** requirement is not a rumour; it is written into the implementing circular.
Key line from **DGI Circular IMI-0740.GR.01.01/2022**:
> …membuktikan kepemilikan dana di bank milik negara Indonesia atau kepemilikan properti di Indonesia dengan nilai paling sedikit Rp2.000.000.000,00 (dua miliar rupiah)…
Rough translation: applicants must prove ownership of funds in an Indonesian state-owned bank **or** ownership of property in Indonesia with a value of at least **IDR 2,000,000,000**.
Important points:
– **Figure**: IDR 2,000,000,000 (two billion rupiah).
– **First formally announced**: Circular dated **25 October 2022**; operational roll-out around launch of the Second Home Visa framework in late 2022.
– **Status as of 15 June 2026**: IDR 2 billion is still the official threshold. [VERIFY if reading this later – this is a policy lever, it can change.]
The regulation gives two **proof-of-wealth channels**:
1. **Funds in an Indonesian state-owned bank (bank BUMN)**, OR
2. **Property in Indonesia** with value ≥ IDR 2 billion.
In practice, most early and mid-2020s cases have used **bank deposits**, because:
– Not all property types can be legally owned by foreign individuals under current land rules.
– Valuation and documentation of property can be messier than a clear bank balance.
Atomic Facts: Second Home Visa & the IDR 2 Billion Requirement
| Item | Fact | Source / Status |
|---|---|---|
| Programme name | Second Home Visa (Visa Rumah Kedua) | DGI Circular IMI-0740.GR.01.01/2022 |
| Minimum wealth threshold | IDR 2,000,000,000 | IMI-0740.GR.01.01/2022; valid as of 15 June 2026 [VERIFY] |
| Type of asset allowed | Funds in state-owned bank OR Indonesian property | IMI-0740.GR.01.01/2022 |
| Bank requirement | Account in an Indonesian state-owned bank (bank BUMN) | IMI-0740.GR.01.01/2022 |
| Indicative stay duration | 5 or 10 years (visa/stay permit class dependent) | Visa index & DGI announcements; always check latest |
| Work rights | No employment rights | PP 48/2021 & visa category (not a work ITAS) |
| Tax residency trigger | ≥183 days stay in a 12-month period | Indonesian Income Tax Law (general rule) |
| Family inclusion | Family can join as dependants under linked permits | PP 48/2021 dependent ITAS rules; see latest practice |
Deposit vs “Proof of Funds”: What You Actually Need
The phrase **“second home visa proof of funds amount”** causes confusion because:
– The circular speaks of **“kepemilikan dana di bank milik negara Indonesia”** – ownership of funds in a state-owned bank.
– Early media coverage called it a **“deposit”** that must be locked.
From field practice and cross-checks with bank and agent procedures (as of 15 June 2026, [VERIFY] with us for updates):
1. Is It a Locked Deposit?
Regulation level:
– **IMI-0740.GR.01.01/2022** does **not** explicitly say the funds must be locked or pledged. It just requires proof of ownership of funds in a state-owned bank.
Operational level:
– Some immigration offices and bank branches have treated it like a **reference balance** that should **not fall below IDR 2 billion** while the Second Home status is active.
– Others treat the initial statement as a **point-in-time proof** and do not actively monitor the ongoing balance.
There is **no single, transparent, nationwide SOP** published on how strictly the balance is monitored. This is a grey area. Expect:
– To show a **bank statement / reference letter** when applying.
– A risk that a major drop below IDR 2bn during your stay could cause questions at renewal or conversion.
2. Which Banks Qualify?
The circular requires a **“bank milik negara Indonesia”** – a state-owned bank (BUMN), such as:
– Bank Mandiri
– BRI
– BNI
– BTN
This is not a complete list and is not an endorsement of any specific bank.
Accounts in **purely private banks** or **offshore accounts** do **not** satisfy the text of the circular, even if the balance is > IDR 2bn.
3. Can Property Replace the Cash Requirement?
Yes, in principle.
Regulation:
– IMI-0740.GR.01.01/2022 allows qualifying **property in Indonesia** with minimum value IDR 2bn as an alternative to a bank deposit.
Issues in practice:
– Foreigners are limited to certain **Hak Pakai (right of use)** or **strata-title** arrangements, not freehold (Hak Milik).
– You will likely need:
– A valid **land certificate / strata title** in your name;
– A **valuation** or official transactional price documentation;
– Alignment with local land office (BPN) records.
Immigration officers have more experience processing bank statements than property valuations; processing times and interpretation can vary more on the property route.
Why Exactly IDR 2 Billion?
PP 48/2021 and its siblings set out **principles**; they do not fix the number at 2 billion. The DGI circular does that.
The policy logic, inferred from the regulation structure and public statements:
– Indonesia wants a **high-commitment long-stay programme** – not a mass-market digital nomad visa.
– The number had to be:
– **High enough** to signal a wealthier, longer-stay demographic;
– **Simple** to administer (round number, no currency fluctuation indexing);
– **Politically defensible** compared with other visa routes like investor KITAS.
Is 2 billion a lot?
– As of mid-2026 exchange rates (varies by day; [VERIFY] with your bank), IDR 2,000,000,000 typically sits around:
– **USD ~125,000–135,000**, OR
– **EUR ~115,000–125,000**, depending on FX that week.
This is **not** an investment requirement; it is a **proof-of-wealth threshold**. You are not buying a passport or citizenship, and you are not guaranteed permanent stay.
Eligibility: Who the Second Home Visa Is Aimed At
Core Eligibility Criteria
Based on PP 48/2021, Permenkumham 29/2021, and IMI-0740.GR.01.01/2022, key points:
– **Nationality / status**:
– Foreign national **or**
– Former Indonesian citizen (Ex-WNI) with supporting documents.
– **Wealth proof**:
– ≥ IDR 2,000,000,000 in a state-owned Indonesian bank **or** qualifying property worth ≥ IDR 2bn.
– **Passport**:
– Validity typically ≥ 36 months at the time of application for longer-stay classes (check latest visa index).
– **Purpose**:
– Long-term stay **without local employment**.
– **Insurance & accommodation**:
– In practice, you may be asked for health insurance and proof of accommodation, consistent with other long-stay visas (implementation detail; not the core of the 2bn rule).
Who This Visa Suits (from a Policy Perspective)
– **Retirees** with significant savings who want a long-stay base but not citizenship.
– **Location-independent professionals** deriving income from abroad, content not to work for Indonesian entities.
– **Ex-WNI** who want to reconnect with Indonesia for longer periods without re-acquiring citizenship.
If you need to **work for an Indonesian employer**, you fall under different visa classes (work ITAS, investor ITAS, etc.), even if you hold 2bn in assets.
Application Flow: Where the IDR 2 Billion Fits In
Process details evolve as the DGI refines systems, but the **position of the 2bn check** is relatively clear.
1. Pre-Application
– Open (or prepare to open) an account in a **state-owned Indonesian bank**.
– Move funds so that the **balance reaches ≥ IDR 2bn**.
– Obtain:
– A **bank statement** showing balance and account name, and/or
– A **bank reference letter** confirming you hold at least IDR 2bn.
If using property:
– Prepare ownership certificate(s), purchase deed, and ideally an **official valuation** or transaction proof showing ≥ IDR 2bn.
2. Online Visa Application
You (or your representative) file via the Indonesian immigration e-visa portal under the relevant Second Home visa index. You upload:
– **Passport scan**;
– **Proof of funds / property**;
– **Photograph**;
– Any other documents required by the latest DGI checklist.
The **IDR 2bn proof** is checked at this stage. The officer’s job is to see:
– Is the document authentic and legible?
– Does the name match the applicant?
– Is the amount ≥ IDR 2bn?
No officer is obliged to accept unclear scans or mismatched names. Nothing in the regulation guarantees approval just because the number is present.
3. E-Visa Issuance and Arrival
If granted, you receive an **e-visa** specifying duration (e.g., 5-year class). On arrival:
– You may be asked again about your stay purpose.
– In some airports, officers may cross-check your 2bn proof, especially in early implementation or random checks.
4. Conversion to Stay Permit (ITAS)
Once in Indonesia, your e-visa is converted to an **ITAS (Izin Tinggal Terbatas)**. The Second Home framework is intended to run long-term (up to 5 or 10 years depending on class), so you then live under ITAS rules.
– Some local offices may want updated **bank statements** during conversion or renewal, checking that your financial position is still above the 2bn line.
– This is practice-level, not explicitly spelled out in the circular, but aligns with the **spirit** of a wealth-based stay permit.
If you want help navigating this step without promotional spin, you can plan your trip with our team over email or WhatsApp; we pair information from regulations with vetted immigration partners for execution.
Does the IDR 2 Billion Replace All Other Requirements?
No.
The 2bn figure is **necessary** but not **sufficient**.
Officers still check:
– **Security flags** (watchlists, prior violations).
– **Document authenticity**.
– **General compliance** with PP 48/2021 and its implementing regulations.
Also:
– You still pay normal **visa fees** (these are set in separate government tariff regulations and can change).
– You still have to **register addresses**, update details, and obey immigration reporting requirements.
Work Limits: What You Cannot Do With a Second Home Visa
This is where many commercial pages get vague. The Second Home Visa:
– Is **not** a work permit.
– Does **not** allow you to:
– Be employed by an Indonesian company;
– Receive an Indonesian payroll salary;
– Perform work activities that normally require a **work ITAS (KITAS kerja)** and **RPTKA/IMTA** approvals.
Under PP 48/2021, different stay permits are tied to different permitted activities. The Second Home category is designed for **residence**, not employment.
What is typically acceptable:
– Managing your **overseas business** from a laptop, where clients and entities are offshore.
– Passive investment activity under the general investment rules (separate from the visa class itself).
Grey areas (discretion and context-dependent):
– Advisory or board roles in Indonesian entities where remuneration, tax, and work authorization may intersect.
If you intend to perform **any** activity that could be seen as work in Indonesia, discuss with a qualified **Indonesian immigration lawyer** before choosing the Second Home route.
Tax: How the Second Home Visa Interacts With Indonesian Tax Residency
The **2bn requirement** is immigration policy; **tax residency** is a separate legal framework.
Under Indonesia’s Income Tax Law (as of June 2026):
– You are generally considered a **tax resident** if you:
– Stay in Indonesia **≥183 days** within any 12-month period, OR
– Are present and intend to reside in Indonesia.
The Second Home Visa:
– Makes it **easier to stay long-term**.
– Therefore makes it more likely you will cross the **183-day threshold** and become an Indonesian tax resident.
Consequences of tax residency can include:
– Being taxed on **Indonesian-source income**;
– Potential worldwide income implications depending on DGT practice and double tax agreements.
There have been policy discussions about special regimes for new residents, but treatment can be nuanced and changes over time. Always check with a **licensed Indonesian tax adviser**; immigration status alone does not define your tax liability.
Why Agents and Portals Often Sound Vague About 2 Billion
You’ll see three common issues in online explanations:
1. **Ambiguity on locked vs unlocked funds**
– Because the circular doesn’t say “locked” but some offices behave as though it does, many sites simply say “deposit” without clarifying.
2. **Mixing Second Home Visa with retirement or investor visas**
– These have **different** capital thresholds and different activity rights. The 2bn rule is **specific** to the Second Home framework, not a generic retirement rule.
3. **Marketing promises**
– Phrases like “guaranteed approval” or “fast-track residence” are commercial copy, not regulatory language. No Indonesian regulation guarantees approval based on a single metric.
Our position:
– We read from **PP 48/2021**, **Permenkumham 29/2021**, the DGI circulars, and the visa index.
– Where practice drifts from written regulation, we explicitly label that as **field practice / estimate** and timestamp it.
– Our independence line: **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.**
If you want a reality-check on something another site or agent has told you, you can share the wording via plan your trip; we can cross-reference it with actual regulations and, where necessary, pass you to a vetted professional for execution.
Cost Context (Beyond the IDR 2 Billion)
The **IDR 2bn** is not a fee; it is your own capital. Separate from that, expect:
– **Government visa + stay permit fees** – set by the Ministry of Finance, updated periodically. For longer-stay permits these can run into a range of amounts; check the latest tariff table (last widely publicised schedules were in the low- to mid- millions of rupiah per year; [VERIFY] for current figures).
– **Agent / legal fees** – if you use a facilitator, typical ranges (as of last verified June 2026) for end-to-end Second Home Visa assistance sit somewhere in the **low to mid thousands of USD equivalent**, depending on:
– Family size;
– Property vs bank route;
– Complexity (Ex-WNI docs, multi-country tax planning, etc.).
We deliberately give **ranges** not fixed prices because operators adjust for exchange rates, regulatory changes, and workload.
Key Takeaways: Second Home Visa Indonesia 2 Billion Requirement
– The **2 billion IDR second home visa** figure is written explicitly in **DGI Circular IMI-0740.GR.01.01/2022**.
– It is a **wealth threshold**, not a government fee.
– You can satisfy it via:
– **Funds in a state-owned Indonesian bank**, OR
– **Qualifying property in Indonesia** worth ≥ IDR 2bn.
– The visa gives **residence, not work rights**.
– Long-stay under this visa increases the likelihood of becoming an **Indonesian tax resident**; check with a tax professional.
– Practice on whether funds must remain at or above 2bn throughout the stay varies by office; assume **ongoing proof may be needed** and confirm the latest stance before committing.
If you want structured, regulation-sourced guidance tailored to your situation, plus introductions to professionals who operate inside these rules, you can plan your trip with us and continue the conversation over WhatsApp.
FAQs
Is the IDR 2 billion for the Second Home Visa a fee I pay to the government?
No. The IDR 2 billion is not a fee; it is a minimum wealth threshold you must show in a state-owned Indonesian bank or in qualifying property. You keep the funds or the asset; the government charges separate visa and stay-permit fees.
Do I have to keep the balance above 2 billion IDR the whole time I stay in Indonesia?
The circular only requires proof of ownership of IDR 2 billion at application. However, some immigration offices expect your balance or asset position to remain at or above that level, especially at conversion or renewal. This is practice-based, not clearly codified, so you should assume ongoing proof may be requested and confirm the latest expectation before applying.
Can I work in Indonesia on the Second Home Visa if I have the 2 billion deposit?
No. The Second Home Visa does not grant work rights. It allows long-term residence but does not authorize employment by Indonesian companies or local payroll. If you need to work in Indonesia, you must qualify for and obtain the relevant work-authorized stay permit.
Does using property instead of a bank deposit fully replace the 2 billion IDR cash requirement?
Yes, in principle. The circular allows qualifying property in Indonesia with a value of at least IDR 2 billion as an alternative to bank funds. In practice, proving property value and foreign-ownership structure is more complex than showing a bank statement, and immigration officers may scrutinize such applications more closely.
Will holding 2 billion IDR under the Second Home Visa make me an Indonesian tax resident?
The amount you hold does not directly determine tax residency. You become a tax resident if you stay in Indonesia for at least 183 days in a 12-month period or meet other residence criteria under tax law. The Second Home Visa makes long stays easier, so you are more likely to cross that threshold; consult an Indonesian tax professional to understand the implications.