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.
Indonesia second home visa eligibility is defined primarily by financial capacity and clean-background screening, not by age. The core rule is simple: you must show at least IDR 2,000,000,000 in qualifying funds or property (last verified June 2026), and you must not use the visa to work or run a business in Indonesia.
This page explains who qualifies for the Second Home Visa Indonesia in plain English, tied directly to the regulations: PP 48/2021 and Directorate General of Immigration Circular IMI-0740.GR.01.01/2022. It is information, not legal advice, and nothing here guarantees you will be approved.
We are not the government, not the Directorate General of Immigration (DGI), and not a law firm. Second Home Visa Indonesia is an independent information service; no one can pay to change what we publish. If you proceed with a vetted partner we refer you to, they may pay us a referral fee at no extra cost to you.
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Quick definition: who is eligible for Indonesia’s Second Home Visa?
In regulatory terms, “who qualifies second home visa Indonesia” is set out in:
– PP 48/2021 (Peraturan Pemerintah No. 48 Tahun 2021) — the umbrella regulation on types of stay permits; and
– Circular IMI-0740.GR.01.01/2022 (25 October 2022) — specific operational rules for the Second Home Visa / ITAS.
Putting the legal language into plain terms, you are generally eligible if:
1. You are a foreign national (WNA) who:
– can show at least IDR 2,000,000,000 (two billion rupiah) in an Indonesian bank account **or**
– can show ownership of an eligible luxury residential property in Indonesia
(figure and options last verified June 2026; basis: IMI-0740.GR.01.01/2022).
2. You are applying primarily to stay long-term (5 or 10 years) for living, investing, or retirement-type purposes, **without** working in Indonesia.
3. You can pass immigration background checks (no serious immigration or criminal red flags, and acceptable source-of-funds from an AML/KYC perspective).
4. You enter on the correct visa index (Second Home Visa) and then hold the Second Home ITAS (limited stay permit) once in-country.
There is **no explicit Second Home Visa Indonesia age limit** in the regulations. This is a major difference from the classic Retirement ITAS, which has minimum ages and other age-related conditions.
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The core financial eligibility: the IDR 2 billion requirement
Legal basis and current amount
The financial condition is the central plank of “am I eligible second home visa?” questions.
Circular IMI-0740.GR.01.01/2022 defines:
– a **minimum funds** requirement of IDR 2,000,000,000 (two billion rupiah),
– to be placed in an Indonesian bank in the applicant’s name **or** represented by ownership of certain qualifying residential property.
Amount:
– IDR 2,000,000,000 (last verified June 2026).
– At mid-2026 market ranges, this is approximately USD 120,000–130,000, but any USD figure is only indicative; the visa threshold is in rupiah and exchange rates move.
If you see pages quoting a different minimum figure, check the update date and whether they still refer to IMI-0740.GR.01.01/2022 or a newer instruction. If a new Circular replaces or amends IMI-0740, treat any changed amount as [VERIFY] until you see the actual text.
Funds vs property: what counts?
Under IMI-0740.GR.01.01/2022, qualifying proof is usually one of:
1. **Bank deposit route**
– Proof of savings / time deposit / current account with at least IDR 2bn under your name in a bank operating in Indonesia.
– The bank issues a letter confirming your balance.
– Immigration may require the funds to be maintained during the validity of your stay; enforcement practice can vary over time. Treat promises that you can instantly withdraw the full amount as [VERIFY] unless backed by a written bank/Immigration policy.
2. **Property ownership route** [VERIFY specifics]
– The Circular refers to luxury residential property categories, but in practice different Kanwil (regional offices) may interpret what qualifies differently.
– Documentation often includes title deeds (e.g., Hak Pakai over apartment/house) and possibly valuations. The exact mechanics for property in lieu of cash have been the most fluid, and you should assume local Immigration will read the rules conservatively.
If you are using the property route, assume that Immigration might still ask for **some** liquidity evidence, particularly for dependents. Treat any promise that “property alone is always enough” as marketing, not law.
Is the IDR 2bn deposit frozen?
The Circular **does not** explicitly use the word “frozen”. It requires proof of funds; interpretation is operational:
– Some banks and local offices handle it like a “minimum balance” that should remain during your stay.
– Others accept that balances may move as long as you remain financially sound.
Because this is implementation, not black-letter law, everything here is **practice-based, not guaranteed**. Assume:
– If your balance drops far below IDR 2bn, this could raise questions at renewal or inspection.
– You should only apply if IDR 2bn is a comfortable, not marginal, amount for you.
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Personal eligibility: who is this visa for?
Profile Immigration had in mind
PP 48/2021 and IMI-0740 give clues via their purpose language: the Second Home Visa targets **financially independent foreigners** who want to make Indonesia a long-stay base, without access to the local job market.
Typical eligible profiles include:
– Retirees with sufficient assets and pensions.
– Entrepreneurs or professionals who earn abroad and want to live in Indonesia without working locally.
– Investors with global portfolios who are relocating their “home base”.
– Certain ex-Indonesian citizens (ex-WNI) wanting a long-stay return pathway (details below).
Core personal criteria (beyond the IDR 2bn)
Across IMI-0740 and general immigration rules, expect the following:
– **Valid passport**
– At least 36 months’ remaining validity is generally referenced for long-stay visas like Second Home.
– Some consulates or e-visa systems may push for 5+ years remaining if you’re requesting a 10-year stay; that’s practice, not an explicit line in PP 48/2021.
– **Clean immigration record**
– No previous deportation, blacklist, or serious overstay in Indonesia.
– Past administrative sanctions can be looked at case-by-case; nothing in PP 48/2021 hard-bans all overstayers, but serious history is a big risk.
– **Clean criminal record / security checks**
– Background checks may be requested, especially if your country of origin has high-risk flags in Indonesian AML/KYC frameworks.
– The Circular doesn’t spell out document-by-document, but general immigration law allows refusal if you pose public order, security, or health risks.
– **Health & insurance** [practice-based]
– The primary texts for Second Home do not mandate health insurance in the same explicit way as some work and student visas.
– In practice, officers may still ask about your ability to cover medical expenses. Having international health coverage is strongly recommended even if not listed line-by-line.
Source-of-funds and AML/KYC expectations
Indonesia is upgrading AML/KYC enforcement across immigration-linked products. For Second Home, that plays out as:
– Bank may ask you for source-of-funds documentation before opening the account.
– Immigration can question unexplained large transfers (e.g., just over IDR 2bn appearing from a high-risk jurisdiction with no clear trail).
– You should be ready to show a coherent narrative: savings, investments, business exits, pensions.
Loans or borrowed money used solely to “hit the IDR 2bn” threshold are risky. The Circular does not explicitly forbid loans, but using debt to simulate wealth cuts against the purpose of the visa: financial self-sufficiency.
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Family eligibility: spouse, children, and dependents
PP 48/2021 allows dependents to hold derivative stay permits. IMI-0740 confirms that the Second Home ITAS can cover:
– **Spouse** (foreign)
– **Children** under a certain age (generally up to 18 or still in formal education; exact upper boundary can vary across Indonesian regulations and should be [VERIFY] for your case)
– Other dependents are less clearly specified and often rely on officer discretion.
Key points:
1. **Principal applicant first**
– The person meeting the IDR 2bn requirement is the “sponsor” for family members’ Second Home ITAS.
– Family do not each need their own IDR 2bn; they rely on the principal’s status.
2. **Marriage & birth documents**
– Expect to provide legalized/apostilled marriage certificates and birth certificates, plus sworn translations into Bahasa Indonesia or English as accepted by the local office.
3. **No work rights for dependents**
– Family members on derivative Second Home status also have **no work rights** in Indonesia.
If you intend to bring school-age children, align visa timelines with schooling calendars and check local regulations for foreign children’s school registration; that’s outside PP 48/2021 but practically important.
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Is there a Second Home Visa Indonesia age limit?
There is **no explicit age limit** for Second Home in either:
– PP 48/2021; or
– IMI-0740.GR.01.01/2022.
This contrasts with the Retirement ITAS, where:
– Minimum age thresholds (usually 55+) apply,
– Plus requirements for support staff, housing, etc. (from older retirement-specific regulations, not PP 48/2021).
For Second Home:
– Young professionals in their 30s or 40s with sufficient assets can qualify.
– Older retirees can qualify without dealing with retirement-visa conditions about age and “retirement-only” activities.
That said, Immigration retains broad discretionary powers. Extremely young applicants (for example, mid-20s) with tight documentation may face more questions on source-of-funds and genuine intention.
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Ex-Indonesian citizens (ex-WNI): where do you fit?
Regulatory context
Ex-Indonesian citizens (Warga Negara Indonesia yang kehilangan kewarganegaraan / ex-WNI) sit in a special category across Indonesia’s immigration law, often granted certain facilitation rights.
PP 48/2021 and IMI-0740 do not create a separate “ex-WNI Second Home Visa” with its own lower financial threshold. The IDR 2bn figure applies across the board (last verified June 2026).
However:
– Ex-WNI often find it **easier** to demonstrate ties to Indonesia (family, property, past identity numbers).
– Some internal guidance and practice lean toward facilitating ex-WNI’s long-term return, including via Second Home.
Any claim that ex-WNI are automatically exempt from the IDR 2bn requirement should be treated as [VERIFY] unless accompanied by a newer, specific written regulation or circular that clearly states this. As of June 2026, the primary public texts do not.
What ex-WNI should prepare
If you are ex-WNI and considering Second Home:
– Prepare documentation of your former Indonesian status (old passports, family card, birth certificate, etc.).
– Expect to be treated as a foreign national for visa purposes, but with a more familiar narrative for officers.
– Do not rely on agent promises of “special ex-WNI discount” unless they can produce an updated circular.
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Application mechanics and where eligibility is checked
High-level process
Even though this page focuses on eligibility, understanding the flow helps answer “am I eligible second home visa?” because vetting appears at multiple stages:
1. **Online visa application** (often via Indonesia’s official e-visa system)
– You upload identification, proof of funds/property, and other required documents.
– The system may be updated periodically; interface changes are practice, not law.
2. **Visa issuance**
– If approved, you receive an e-visa to enter Indonesia as a Second Home Visa holder.
3. **Arrival and ITAS conversion**
– Upon arrival, Immigration at the port of entry and local office process your Second Home ITAS (Limited Stay Permit).
– Physical biometrics (fingerprints, photo) and possible in-person interviews.
Eligibility is effectively assessed twice: at visa issuance and at ITAS activation/extension. Misrepresentations can trigger cancellation during either stage.
Key documents tied to eligibility
While exact checklists can vary slightly by channel, expect to show:
– Passport (with required validity).
– Recent passport-style photograph.
– Proof of funds (bank letter) and/or property documentation.
– Civil status documents for dependents.
– Address in Indonesia (rental contract, hotel, or owned property address).
– Statement of undertaking to comply with all Indonesian laws and not to work or engage in prohibited activities.
If you want a vetted practitioner to walk through the current document list and local Kanwil expectations, you can plan your trip with us via email or WhatsApp; we keep execution separate from our analysis.
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Work, business, and other activity limits
No right to work in Indonesia
Second Home Visa and Second Home ITAS **do not** include work authorization.
This is not a grey area. Under PP 48/2021 and the visa index design:
– You may **not** take up employment in Indonesia.
– You may **not** receive an Indonesian salary, be on an Indonesian payroll, or occupy a role that Indonesians could fill locally.
If you need to work on the ground in Indonesia (e.g., in a company office, factory, or school), you need the corresponding **work-allowed stay permit** (ITAS with IMTA / work permit), not Second Home.
Remote work and foreign income
The regulations don’t use the modern “remote work” label, but they are framed around **not working in Indonesia’s domestic labor market**.
In practice:
– Earning income from **abroad** (e.g., foreign employer, overseas clients, passive investment income) while physically living in Indonesia on Second Home status is **common**.
– This falls into a regulatory grey zone that is being clarified worldwide, but as of June 2026 Indonesian immigration has focused more on stopping unauthorized **local** employment.
Tax treatment of that foreign income is a **separate** question (see tax section below). Immigration permission to be in Indonesia is not the same as tax residency status.
Business ownership vs management
Owning shares in an Indonesian company via lawful channels is different from “working”:
– As a Second Home holder, you can typically own shares or indirect investment interests.
– Actively managing the company in Indonesia day-to-day can be interpreted as “working” and could require a work ITAS.
If an adviser tells you “Second Home lets you run your company in Indonesia full-time,” treat that as a red flag. There is no such blanket permission in PP 48/2021.
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Tax, residency, and what Second Home does (and does not) change
Immigration status ≠ tax status
Neither PP 48/2021 nor IMI-0740 are tax regulations. They grant you permission to **stay**; they do not directly grant you any tax holiday, special tax regime, or exemption.
Indonesia’s tax residency rules are generally based on:
– Presence of more than 183 days in any 12‑month period, or
– Intention to reside and having Indonesia as a “center of vital interests”.
If you live in Indonesia under a Second Home ITAS long-term, you are **very likely** to become Indonesian tax resident, subject to the Ministry of Finance and Directorate General of Taxes’ rules — separate from Immigration.
Foreign income and recent changes
Indonesia has been adjusting how foreign-sourced income is taxed for new residents and certain categories (sometimes including high-net-worth and family-office style residents). These changes arise from tax laws and Ministry regulations, not PP 48/2021.
As of June 2026:
– Some temporary incentives and territorial-style rules exist for certain foreign-sourced income for new taxpayers.
– The exact application to Second Home holders depends on your broader profile and current MoF regulations, not on Immigration’s Circular.
Any marketing that says “Second Home Visa means no tax on your foreign income” is **not** supported by PP 48/2021 or IMI-0740. Always assume that significant cross-border income should be reviewed by a qualified Indonesian tax professional.
We can connect you to vetted tax specialists, but that advice is separate from this information page.
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What disqualifies you: common rejection or risk factors
Financial disqualifiers
You are likely ineligible, or at high risk of refusal, if:
– You cannot show the IDR 2bn minimum or qualifying property under your name.
– Your funds are clearly borrowed short-term just to hit the threshold (e.g., same-day in-and-out transfers).
– The bank refuses to issue a supporting letter due to AML concerns.
Background and behavior disqualifiers
Other issues that can make you ineligible:
– Past deportation or blacklist in Indonesia or significant immigration violations abroad.
– Serious criminal record, especially for financial crimes, drugs, trafficking, or violence.
– False information or forged documents (this can trigger bans beyond simple refusal).
Even “soft” issues, like repeated short overstays, can lead officers to scrutinize you more closely. Immigration has broad discretion; there is no automatic right to a Second Home Visa even if you meet the formal criteria.
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Comparison: Second Home vs Retirement ITAS vs Investor Stay
- Target profile
- Second Home: financially independent long-stay (any adult age). Retirement ITAS: retirees (usually 55+). Investor ITAS: active shareholders/directors.
- Key regulation
- Second Home: PP 48/2021 + IMI-0740.GR.01.01/2022. Retirement: older ministerial decrees/technical rules. Investor: PP 48/2021 + investment regs (BKPM/OIK).
- Age requirement
- Second Home: no explicit age limit in PP 48/2021/IMI-0740. Retirement: minimum age (commonly 55+ based on sectoral rules). Investor: no age-specific rule but practical checks.
- Financial threshold
- Second Home: IDR 2bn funds or qualifying property (last verified June 2026). Retirement: monthly income + accommodation requirements. Investor: paid-in capital & shareholding.
- Work rights
- Second Home: no work rights. Retirement: no work rights. Investor: limited work rights in defined corporate roles with permits.
- Stay duration
- Second Home: 5 or 10 years (as per IMI-0740). Retirement: 1‑year ITAS, extendable. Investor: typically 1–2 years, extendable based on company compliance.
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How to check if you’re realistically eligible
A practical checklist, grounded in the regulations:
1. **Can you document at least IDR 2bn in Indonesia or qualifying property?**
– If yes, proceed.
– If no, Second Home may not be the right pathway under current rules.
2. **Are you comfortable with a visa that gives no work rights?**
– If you need to take Indonesian employment, consider other visa types.
3. **Is your immigration and criminal record clean enough to pass scrutiny?**
– Prior issues should be honestly disclosed to your adviser; hiding them often ends worse.
4. **Are you ready to become Indonesian tax resident if you live in-country long enough?**
– If this is a concern, line up professional tax advice before applying.
If you want a structured pre-check and introductions to execution partners who work full-time in this niche, you can plan your trip with us via WhatsApp or email. We focus on accurate information first, execution second.
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Independence, partners, and how this page is funded
Second Home Visa Indonesia is an independent intelligence resource on Indonesia’s long-stay residency rules. We read the primary regulations (PP, Circulars, visa index lists) line by line and date-stamp key figures, like the IDR 2bn requirement (last verified June 2026).
We are:
– Not the Directorate General of Immigration.
– Not a law firm.
– Not an agent promising guaranteed approval.
We do work with a small network of vetted execution partners (licensed visa agents, accountants, and law practices). If you choose to work with one of them after using our information, they may pay us a referral fee at no extra cost to you. No one can pay to change what we publish.
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FAQs on Indonesia Second Home Visa Eligibility
Who is eligible for Indonesia’s Second Home Visa?
You are generally eligible if you are a foreign national with at least IDR 2,000,000,000 in qualifying funds in an Indonesian bank or eligible property (last verified June 2026, based on Circular IMI-0740.GR.01.01/2022), have a clean immigration and criminal record, and accept that the visa does not allow you to work in Indonesia.
Is there an age limit for the Second Home Visa Indonesia?
No. PP 48/2021 and Circular IMI-0740.GR.01.01/2022 do not set a Second Home Visa Indonesia age limit. Unlike the Retirement ITAS, there is no published minimum age, although very young applicants may face closer scrutiny of their funds and intentions.
Can ex-Indonesian citizens (ex-WNI) apply for the Second Home Visa?
Yes. Ex-WNI can apply as foreign nationals and may find it easier to show ties to Indonesia, but as of June 2026 there is no public regulation that waives or lowers the IDR 2bn requirement specifically for ex-WNI. Any claim of a special reduced threshold should be treated as [VERIFY] until backed by a newer official circular.
Does the Second Home Visa allow me to work in Indonesia?
No. The Second Home Visa and Second Home ITAS do not grant work rights. You cannot legally take employment in Indonesia or receive an Indonesian salary under this status; for local work you need an appropriate work ITAS with the necessary permits.
Does holding a Second Home Visa change how my income is taxed?
The visa itself does not create a special tax regime. Tax residency and the treatment of foreign income are determined by Indonesia’s tax laws and Ministry of Finance regulations, not by PP 48/2021 or IMI-0740. If you spend significant time in Indonesia on a Second Home ITAS, you are likely to become tax resident and should seek professional tax advice.