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 for retirees is a long-stay stay‑permit that lets foreign nationals live in Indonesia for 5–10 years without working locally, as long as they meet a substantial financial requirement. This guide explains how the retiree second home visa Indonesia works, who it suits, how the deposit rule actually operates, and how it compares to classic retirement and investor options.
What is the Indonesia Second Home Visa for Retirees?
Legally, the “Second Home Visa” is a sub‑category of Limited Stay Visa (Visa Tinggal Terbatas / VITAS) and Limited Stay Permit (ITAS) introduced by:
– **Minister of Law and Human Rights Regulation (Permenkumham) No. 22 of 2022** on visas and stay permits, and
– Implemented via **Director General of Immigration Circular No. IMI‑0740.GR.01.01 of 2022** (and later clarifications).
It is **not** labelled a “retirement visa” in the regulations, but many retirees use it as their long‑stay base instead of the classic “Retirement KITAS”.
For retirees, the main attractions are:
– **Longer stay horizon**: 5‑year or 10‑year stay permit
– **No local sponsorship needed**: the sponsor is effectively the foreign applicant themselves
– **Asset‑based criteria** rather than monthly pension proof
The main trade‑offs:
– **High financial threshold** (see deposit section)
– **No right to work in Indonesia** (very limited exceptions)
– **Some tax/residency implications** once you pass 183 days/year in Indonesia
This page is information, not advice. Regulations change; check the dates on every number and always [VERIFY] with the current circulars or a professional before acting.
Key Facts for Retirees Considering the Second Home Visa
The table below summarises the atomic facts that most retirees ask about, based on the latest public regulations and circulars as of **June 2026**.
| Item | Fact (as of June 2026) |
|---|---|
| Legal basis | Permenkumham No. 22/2022; Dirjen Imigrasi Circular IMI‑0740.GR.01.01/2022 and updates [VERIFY] |
| Who it suits | Retirees, long‑term residents, asset‑holders, Bali/Indonesia long‑stayers with significant funds |
| Stay duration options | 5 years or 10 years (select at application stage, subject to approval) |
| Main financial requirement | Proof of funds of IDR 2,000,000,000 (~two billion rupiah) or equivalent assets; figure first introduced by Circular IMI‑0740 in late 2022, still referenced in 2025–2026 practice [VERIFY] |
| Deposit location | Indonesian state‑owned bank (bank BUMN) or proof of qualifying property ownership; practice can vary by office [VERIFY] |
| Application channel | Online visa approval (e‑Visa) via official Ditjen Imigrasi portal; follow‑up at immigration office after arrival |
| Work rights | No right to take employment or run operational business in Indonesia; limited scope for passive income and offshore work |
| Family | Spouse and children can usually obtain dependent Second Home permits tied to the main holder |
| Typical processing time | Often quoted 2–8 weeks by agents; always treated as estimate only, not a guarantee [VERIFY] |
| Tax trigger | Staying ≥183 days in any 12‑month period typically makes you an Indonesian tax resident under Income Tax Law; subject to treaty relief [VERIFY] |
| Government fees | Published in PP on PNBP (latest amendment [VERIFY]); not covered here because they change; check official Imigrasi price list |
For deeper background on how the scheme is structured and updated, see our main pillar page: Indonesia Second Home Visa: Complete Guide.
Eligibility: Which Retirees Fit the Second Home Profile?
The regulations do not have a “retiree” checkbox. Instead, they focus on:
– Passport nationality
– Financial capacity
– Intention to live (not work) in Indonesia
From a retiree perspective, the profile that tends to fit is:
Core eligibility requirements
Based on Permenkumham 22/2022 and related circulars [VERIFY]:
– **Valid passport** with at least 36 months validity when applying
– **Proof of funds or qualifying property**:
– Funds equivalent to **IDR 2,000,000,000** (two billion rupiah) as of the latest circular practice referenced up to **June 2026** [VERIFY], held in:
– Indonesian bank; or
– Foreign bank, with ability to transfer to Indonesia; or
– Ownership of luxury/eligible property under specific rules (e.g., Hak Pakai/HGB for foreigners) – implementation still evolving; interpret cautiously [VERIFY].
– **No intention to work** in Indonesia
– **Clear immigration record** and no listed security issues
– **Compliant with health / insurance rules** if enforced by local immigration office (some offices ask for proof of insurance; this is practice, not always line‑by‑line in the regulation).
Some Indonesian missions or online systems may apply **their own document list** layered on top of the regulation: bank statements, letters of intent, CV, etc. Those don’t always appear in the PP or Permenkumham but still matter for processing.
Age – does the Second Home Visa have a minimum?
Unlike the classic Retirement KITAS, the Second Home Visa regulations **do not explicitly set a minimum age** (such as 55+). In practice, though:
– Many retirees using this route are **50s, 60s and above**, because they already have the required capital.
– A much younger applicant with IDR 2bn may meet the letter of the rule but might expect more scrutiny on purpose and tax position.
If your main goal is to **retire in Indonesia second home visa** style (long, stable stay), your **financial position** matters more than your exact age within the retiree band.
The IDR 2 Billion Requirement: Deposit, Property or Just Proof?
This is the most misunderstood part, because:
– Early press articles simplified it as “you must lock IDR 2bn in a bank deposit”,
– Agent marketing often quietly treats it as “proof only”,
– Immigration circulars have shifted wording over time.
Where the IDR 2bn figure comes from
The **two‑billion‑rupiah threshold** was first spelled out in the **Dirjen Imigrasi Circular IMI‑0740.GR.01.01 of 2022** for the Second Home Visa scheme, with later clarifications [VERIFY]. As of **June 2026**:
– **IDR 2,000,000,000** is still the headline figure repeated in most official and semi‑official materials.
– There has been discussion of diversifying criteria (especially property‑based), but not all is codified neatly into one new regulation yet.
Always treat the **exact amount and how to prove it** as “live” regulatory content; check the latest circular or ask a professional to pull the most recent text.
Deposit vs. just showing funds
Practice falls into three broad categories:
1. **Straight bank deposit in Indonesia**
– Some applicants are asked to place IDR 2bn in a **time deposit at an Indonesian state‑owned bank (bank BUMN)**.
– The bank issues a letter confirming the funds and, in some cases, that they will be held for the duration.
– Access conditions (can you withdraw? after how long?) depend on the bank’s own product, not directly on immigration law; this is commercial banking territory, not just visa rules.
2. **Proof of funds without fixed lock‑in**
– In other cases, applicants provide:
– Foreign bank statements, or
– Investment account statements
– Immigration focuses on **proof of capacity**, not long‑term lock‑in. Practice can vary by consulate/office and over time.
3. **Property‑based eligibility**
– Later statements mentioned using **qualifying property ownership** (e.g., certain categories of Hak Pakai/HGB) instead of a cash deposit.
– The rules here are still maturing and tightly linked to property regulations for foreigners. Expect careful due diligence and need for a notary or legal opinion [VERIFY].
Because of these differences, do not treat any single blog (including this one) as a substitute for the **current circular and local practice**. If we match you with a visa partner and you proceed, they may clarify which approach your route uses; if you proceed they may pay us a referral fee at no extra cost to you.
Application Steps: How Retirees Actually Apply
The process is designed around online approval first (e‑Visa), then on‑arrival conversion into a stay permit.
1. Pre‑application: documents and bank setup
Typical items you should expect to prepare:
– Passport scan (valid 36+ months)
– Proof of funds / deposit letter / property ownership docs
– Passport photos (digital)
– CV or short profile (some posts request it)
– Statement of purpose or intent to reside
– Email address and Indonesian contact details (address/phone)
If using the deposit route, many retirees set up an **Indonesian bank account** in advance or coordinate to open one when they first enter on another visa, then switch to Second Home. How achievable that is depends on bank policy and your current visa type [VERIFY].
2. Online e‑Visa application
You (or a licensed immigration consultant acting on your behalf) submit your application through the official **Ditjen Imigrasi online system**:
– Choose the **5‑year or 10‑year** option
– Upload documents in the requested formats
– Pay the government visa fee shown in the system (fee level is set under latest PP on PNBP; always check live figures)
Processing times are **not guaranteed**. Publicly, many practitioners report **2–8 weeks** as a typical band; peaks, policy reviews, or incomplete files can extend this.
3. Arrival in Indonesia
Once the e‑Visa is granted:
– You enter Indonesia using that e‑Visa (no VOA needed).
– At the airport, you go through immigration as a Second Home Visa holder; the officer should see your approval in the system.
4. Converting to a Second Home ITAS (Stay Permit)
Within the timeframe set by immigration (often within 30 days of arrival [VERIFY]) you complete:
– **Biometrics** (photo, fingerprints) at the local immigration office
– Issuance of your **electronic Limited Stay Permit (ITAS)** and **Multiple Exit Re‑Entry Permit (MERP)**
Some offices will also ask to see:
– Bank deposit confirmation or updated proof of funds
– Local address and contact details
– Insurance documentation, depending on local practice
You then hold a **5‑year or 10‑year ITAS** as your stay permit, subject to compliance and possible future regulatory changes.
Extension / renewal
The visa is designed as a **multi‑year stay**, but it is not a “set and forget” forever card:
– Rules on **extension, switch to other permits, or path to ITAP (Permanent Stay Permit)** remain under broader immigration law; practice is still evolving for this visa type [VERIFY].
– Expect to reconfirm your financial position and clean compliance record if you renew.
If you want a second opinion on your fit or next steps, you can plan your trip with our vetted partners via WhatsApp — they handle execution; we stay focused on clear, regulation‑based information.
Can Retirees Work on the Indonesia Second Home Visa?
Short answer: **No, not in Indonesia’s domestic labour market.**
What you cannot do
On a Second Home Visa/ITAS, you **cannot**:
– Be hired as an employee by an Indonesian company
– Sit on the operational management of an Indonesian entity with day‑to‑day work
– Perform paid services in Indonesia (consulting, teaching, medical practice, etc.) unless you switch to a compatible work permit (KITAS)
– Freelance locally for Indonesian clients in a way that immigration could see as “working in Indonesia”
The core legal logic: Permenkumham 22/2022 frames this permit around **residence**, not employment. Employment requires a separate visa/permit track (e.g., work KITAS with RPTKA and IMTA compliance).
What may be acceptable
In practice, retirees commonly:
– **Receive pensions** from abroad into their Indonesian bank account
– **Hold foreign investments** (stocks, bonds, funds) generating dividends or capital gains
– **Run online activities** for foreign clients, with no Indonesian legal entity and no Indonesian payroll
The grey area is global remote work: immigration focuses on **what you are doing in Indonesia** and **who you are doing it for**. Tax authorities, meanwhile, care about **tax residency** and **source of income**.
If you expect to stay **183+ days/year** in Indonesia and keep substantial foreign or digital income, it is prudent to:
– Get a written opinion from a **licensed Indonesian tax consultant**
– Check your home country’s **tax residence rules** and any **Double Tax Agreement (DTA)** with Indonesia
This is especially relevant if you plan to **retire in Indonesia second home visa** while drawing pensions or investment income from abroad.
Tax Considerations for Retirees on the Second Home Visa
The Second Home Visa itself does **not** create tax residency. However, your **physical presence** usually does.
Under Indonesia’s Income Tax Law and its interpretations [VERIFY]:
– Staying **≥183 days in any 12‑month period** typically makes you an **Indonesian tax resident**.
– Tax residents are, in principle, taxed on **worldwide income**, though recent policy changes have created more nuanced treatment for foreign‑source income for certain categories [VERIFY].
– Double Tax Agreements (DTAs) may reduce or credit taxes, but don’t remove the need to file or declare.
For retirees, practical implications include:
– **Foreign pensions** may be taxed in Indonesia, your home country, or both with credits, depending on treaty rules.
– **Investment income** (dividends, interest, capital gains) needs mapping under Indonesian rules and treaties.
– If you keep ties to another country (property, dependents, company directorships), you may face **dual‑residence questions**.
This is one area where generic blog advice is dangerous. The safe approach:
– Use the visa decision (Second Home vs Retirement KITAS vs Golden Visa) and your **intended days in Indonesia** as inputs to a **proper tax planning session**.
– Only rely on up‑to‑date written advice from professionals whose core focus is Indonesian and cross‑border taxation.
Second Home Visa vs Retirement KITAS vs Golden Visa for Retirees
Retirees today usually compare three main Indonesia options:
– Second Home Visa
– Classic **Retirement KITAS (Visa Lansia/Pensiun)**
– Newer **Golden Visa** (investment‑heavy, more like investor residency)
Below is a simplified comparison using public regulatory features as of **June 2026** [VERIFY]:
| Feature | Second Home Visa | Retirement KITAS | Golden Visa (selected) |
|---|---|---|---|
| Primary basis | Proof of funds / qualifying property | Age (typically 55+), pension income, local sponsor (agent/hotel) | Significant investment in Indonesia (bonds, shares, bank, etc.) |
| Typical user | Capital‑rich retiree or long‑stayer | Pension‑based retiree with modest to mid assets | High‑net‑worth investor, not necessarily retired |
| Stay length | 5 or 10 years | 1 year, renewable (with path to longer stays) | 5 or 10 years depending on investment |
| Main financial threshold | IDR 2bn funds/property [VERIFY] | Stable monthly pension + accommodation; amounts vary by circular [VERIFY] | Far higher capital (often millions of USD/Rp‑equivalent) [VERIFY] |
| Work rights | No local work | No local work | Better structured for investors/entrepreneurs; still needs proper work permits for operational roles |
| Local sponsor | Not a classic corporate sponsor; more self‑sponsored structure | Yes – usually a licensed retirement visa agent/hotel | Investment structure and possibly corporate sponsor |
| Best for | Retirees wanting long‑horizon residence and can meet IDR 2bn threshold | Retirees with steady pension but lower capital | Investors prioritising residency benefits tied to large investments |
For a deeper dive on trade‑offs across these options, see our comparison hub: Second Home Visa vs Retirement KITAS vs Golden Visa.
Pros and Cons of the Second Home Visa for Retirees
Advantages for retirees
– **Longer certainty**: 5–10 years reduces annual renewal stress compared with some KITAS paths.
– **Asset‑based**: if you have capital but irregular income, this may fit better than a pension‑only profile.
– **Family‑friendly**: spouse and children can align status around your Second Home ITAS.
– **Sponsor‑light**: less dependency on an employer or hotel/agent as your formal sponsor.
Drawbacks and risks
– **High entry bar**: IDR 2bn is a real threshold, not marketing fluff. For many retirees, that is most of their investable wealth.
– **Policy risk**: rules are newer and still stabilising. Circulars can change conditions, compliant banks, or property criteria.
– **No local work**: if you later decide you want to teach, consult, or run a local business, you will need to change status.
– **Tax complexity**: long stays plus global income can bring you into Indonesia’s tax net; this can be positive or negative depending on your situation.
How to Decide if the Second Home Visa is Right for Your Retirement
Questions to ask yourself:
1. **Can I comfortably meet the IDR 2bn requirement** without jeopardising my emergency reserves?
2. **Am I prepared to be in one tax system (Indonesia) for my retirement**, or will I be splitting time between countries?
3. **Do I expect to work again**, even part‑time or advisory? If yes, a pure “no work” residence may not fit.
4. **Is property ownership part of my plan?** If you want to own qualifying property in Indonesia, the Second Home framework and newer property rules for foreigners need to be viewed together.
5. **What is my tolerance for regulatory change?** New schemes can evolve faster than older ones.
If your answers lean “yes” to capital and to living mainly off pensions/investments, and “no” to local work, the **retiree second home visa Indonesia** track may be a strong candidate.
If you want aligned legal, tax, and immigration views rather than one‑sided marketing, you can plan your trip with our vetted partners via WhatsApp. 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.
Independence and What This Article Is (and Isn’t)
– All figures and rules above are drawn from **published regulations and circulars** or widely accepted public practice, cross‑checked as of **June 2026**.
– **[VERIFY]** means: regulation or practice is known to change; re‑check the latest Permenkumham, PP, or Circular before relying on that specific detail.
– We do **not** promise visa approval. Only Indonesian immigration can approve or reject your application.
– We provide information and comparisons; our **licensed partners** (law firms, visa consultants, tax professionals) handle execution and advice. 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.
FAQs: Indonesia Second Home Visa for Retirees
Is the Indonesia Second Home Visa a retirement visa?
No. Legally it is a Second Home limited stay visa/permit under Permenkumham 22/2022, not a dedicated “Retirement KITAS”. However, many retirees use it as their long-stay base because it offers 5–10 year residence if you meet the IDR 2bn asset requirement.
Do I really have to lock IDR 2 billion in an Indonesian bank?
Not always. The regulations focus on proof of funds or qualifying property; some implementations ask for a time deposit at an Indonesian bank, others accept bank or investment statements, and some allow property-based eligibility. Practice varies by office and over time, so you should verify the latest circular and local requirements before committing funds.
Can I legally work in Indonesia on a Second Home Visa?
No. The Second Home Visa does not grant the right to work for Indonesian employers or run operational business activities in Indonesia. You can usually receive pensions and foreign investment income, and some retirees continue remote work for foreign clients, but any local work requires a separate work permit and compatible visa.
Will I pay Indonesian tax on my foreign pension as a Second Home Visa holder?
Holding a Second Home Visa does not by itself create tax residency, but staying 183 days or more in any 12-month period typically does. Indonesian tax residents are generally taxed on worldwide income, including pensions, subject to Double Tax Agreements and recent policy tweaks. You should get written advice from an Indonesian tax professional who understands treaties before deciding.
Is the Second Home Visa better than the Retirement KITAS for retirees?
It depends. The Second Home Visa offers 5–10 year stays and relies on an IDR 2bn capital threshold, which suits capital-rich retirees who want longer certainty. The Retirement KITAS usually fits retirees 55+ with steady pension income but lower capital, though it involves annual renewals and a local sponsor. The “better” option is the one that fits your finances, risk tolerance and long-term residence plans.