Indonesia Second Home Visa: 5 & 10-Year Stay (2026)

Information, not legal advice: Bali Visa Application is an independent guide and concierge — not the government, Imigrasi, or a law firm. Visa rules, eligibility and fees change and apply case-by-case; all prices are USD ranges flagged with a last-verified date and exclude case-specific costs. Always confirm current rules on the official portal evisa.imigrasi.go.id and with a licensed agent before acting. We never guarantee visa approval. If you proceed with an agent we introduce, they may pay us a referral fee at no extra cost to you.

The indonesia second home visa is a 5 or 10-year long-stay visa for foreigners who can show significant assets in Indonesia and who will not work in the local job market. It is aimed at asset-holders, semi-retirees, and remote professionals who want to live in Bali or elsewhere in Indonesia with fewer renewal headaches than standard visas.

I’m Astrid, Relocation & Long-Stay Writer at Bali Visa Application. This page is your plain-English guide to the Indonesia and Bali second home visa: what it is, how the rules actually work in practice, what it costs in USD, and who it realistically suits.

Regulations for the Second Home Visa have changed several times since launch and can be tweaked quickly. Any numbers or rules here should be treated as a starting point to VERIFY against the latest official regulations or with a reputable visa agent before you make financial moves.

What is the Indonesia Second Home Visa?

The Second Home Visa is a long-stay visa category that grants eligible foreigners a 5 year visa Indonesia or 10 year visa Indonesia without needing a local job or a traditional work permit. It is designed for people who:

Hold substantial assets and can place a second home visa deposit or qualifying investments in Indonesia; and
Plan to live, spend, and possibly invest here, but not take local salaried employment.

You can live in Bali, Java, Lombok, Sumatra, or mix locations. There is no requirement to buy property in a specific place. The visa is issued under national immigration rules, not Bali-specific regulations, but in practice many applicants are thinking of a Bali second home visa path.

Core idea in one line

The Second Home Visa trades significant assets in Indonesia for a multi-year stay with relatively light bureaucracy, as long as you don’t work a local job or break immigration rules.

Key Features vs Other Long-Stay Options

Here is how the Indonesia Second Home Visa typically compares with other common long stay visa Indonesia options that long-term visitors look at, based on rules and practice patterns that have been stable up to mid-2026 (always VERIFY current details):

Feature	Second Home Visa	Retirement KITAS	Multiple-Entry Visit Visa
Typical validity	5 or 10 years	1 year at a time, renewable	Up to 1–5 years, visit-style stays
Main purpose	Long staying asset-holder / second home	Retiree aged 55+	Frequent visits, shorter stays
Age requirement	No specific age in regulation (VERIFY); skewed to mid-life / retirees in practice	55+ (strict)	None
Asset / income tests	High asset requirement (see below)	Modest regular income + accommodation	Proof of funds, less strict
Local salaried work allowed?	No	No	No
Remote work for foreign company?	Common in practice, in a legal grey area—see section on work	Common in practice, also grey	Common for short stints
Bringing family	Spouse/children can often get dependent stay permits (VERIFY rules)	Dependents possible	Each applies separately

This page focuses on Second Home. If you’re still comparing options, our team can help you map the right route based on age, budget, and lifestyle plans via our concierge: plan your trip and we can also coordinate by WhatsApp for clarifications and screening calls.

Current Second Home Visa Requirements (2026 – Always VERIFY)

The official Second Home Visa rules have been adjusted several times, particularly around the minimum asset level and what counts toward it. Treat this as an orientation, not a legal guarantee.

1. Asset / Deposit Requirement

The defining requirement is a large second home visa deposit or qualifying investment in Indonesia. Across regulatory updates and practical enforcement up to mid-2026, the ballpark has hovered around the equivalent of USD 130,000–160,000, but denominated in Indonesian Rupiah (IDR) and tied to the prevailing exchange rate and specific implementing regulations.

In practice, immigration has typically allowed one or a combination of:

Cash deposit in an Indonesian bank in your name (often a state-owned or designated bank); and/or
Property rights in Indonesia under certain legal structures (for example, right-of-use titles in your name or under a structure immigration accepts); and/or
Other local financial instruments such as government bonds or approved investment products.

Exact forms, thresholds, and how “ownership” is evidenced are moving parts. There have been periods where only cash deposits were accepted, then periods where property or bonds were explicitly allowed. By 2026, the direction has been to keep the bar high while broadening acceptable asset types. This is one of the big areas you must VERIFY right before you apply.

Is the money locked?

Historically, the rule has been that the qualifying funds or assets must be maintained over the life of the visa. How strictly this is policed, and what happens if the balance temporarily dips due to exchange-rate swings or withdrawals, is a grey area with enforcement discretion.

You should treat the required amount as capital you are genuinely comfortable parking in Indonesia long term, not just a short-term hoop to jump through.

2. Proven Legal Income & Financial Stability

Beyond the big asset requirement, you are usually asked to show you can support yourself and any dependents during your stay. Evidence may include:

Recent bank statements;
Proof of pension or regular income; or
Business ownership or investment income summaries.

The focus is not on a specific monthly number but on a convincing overall picture that you will not become a burden on the state and that your deposit is not your last savings. Immigration and consular officers have discretion, so documentation quality matters.

3. Passport & Civil Documentation

Standard requirements, which you should expect for the Second Home Visa and related stay permits, include:

Passport valid at least 6–12 months beyond the intended stay window (officers tend to prefer a long runway);
Recent passport-style photographs that meet Indonesian specifications;
Birth certificate or civil registration documents where requested (particularly for dependents);
Marriage certificate if you are applying with a spouse as dependent;
Clean criminal record / police clearance certificate from your country of residence (often required for long-stay categories).

Translation into Indonesian by a sworn translator and legalisation/apostille may be required for some documents. This part is detail-heavy and where a good agent earns their fee.

4. Health & Insurance Expectations

Indonesia has consistently signalled that long-stay foreigners should:

Carry health insurance that works in Indonesia; and
Be in reasonable health, not requiring chronic high-intensity care from state facilities.

At some points, proof of health insurance has been strictly requested; at others, enforcement has softened. Still, arriving with robust coverage that includes treatment in Indonesia (and ideally medical evacuation) is prudent and aligns with official expectations.

5. No Local Work in Indonesia

The Second Home Visa is a non-working stay visa in terms of the Indonesian labour market. That means:

No salaried job at an Indonesian company without an appropriate work permit and change of status;
No direct involvement in daily operations of a local business that would normally require a work permit.

You can own shares in Indonesian companies or invest in property structures, subject to separate foreign ownership rules. But if you are physically “working” in Indonesia—for example, managing staff in a restaurant you own—this may be considered illegal work without a proper permit. This is a complex area, and you should obtain tailored advice if you plan to operate any local business.

Remote Work and Online Income: The Grey Zone

Many Second Home Visa applicants are remote professionals, investors, or semi-retirees with income from abroad. The question is always the same: “Can I keep working online for my foreign employer or clients while staying in Indonesia on a Second Home Visa?”

Here is the most honest answer in 2026:

Indonesia’s immigration law does not clearly define “remote work for foreign entities” done from your laptop as permitted or prohibited under a non-working stay visa.
Enforcement has mainly targeted foreigners clearly working in local businesses or taking local jobs, not people answering Slack from Canggu.
Nevertheless, the legal framework is not written specifically for digital nomads, so there is an inherent grey area and theoretical risk.

The pragmatic norm is:

Remote work for overseas employers or clients is widely practiced on Second Home and similar non-working visas.
Operating a visible local business without proper permits is significantly riskier.

If you are concerned, ask a professional who deals with immigration and tax for foreigners in Indonesia. We can connect you to vetted advisors via our concierge: plan your trip and request a WhatsApp call focused on remote work and tax.

Second Home Visa Cost: What You’ll Actually Spend

Here we are talking about application and service costs only, not the deposit or asset requirement itself.

Government Fees

Government fees for the Second Home Visa and corresponding stay permits are set in IDR and periodically adjusted. They usually cover:

Visa approval / e-visa issuance;
Conversion to a stay permit (KITAS-equivalent status under the Second Home scheme);
Biometrics and immigration card issuance.

Across similar long-stay categories, combined government fees often fall in the equivalent region of a few hundred USD per person, but you must VERIFY the live tariff because brackets and fee codes can change.

Agent & Concierge Fees (Last Verified June 2026)

For a complex, document-heavy process like the Second Home Visa, most applicants engage a local agent. Based on market checks and quotes gathered up to June 2026, you can expect:

Solo applicant: roughly USD 800–2,000 in total professional fees, depending on service level, complexity of your situation, and how much document prep you handle yourself.
Couple or family package: often a discounted bundle in the range of USD 1,500–3,500 for 2–4 people (again, wide variation by provider and inclusions).

These indicative ranges usually exclude:

Bank transfer fees and currency conversion losses when moving your deposit;
Legalisation, translation, and notary costs in your home country;
Any tax or legal structuring advice beyond standard visa support.

Our role at Bali Visa Application is to research rules, sanity-check options, and connect you with vetted operators. 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.

5-year vs 10-year Stay: Choosing Your Route

The Second Home Visa can be granted for 5 or 10 years. Historically, the difference in term has been tied to either:

Higher or different asset thresholds; or
Discretionary considerations such as your overall profile, age, and investment scale.

As with everything, this is subject to regulatory updates. Practical guidance from agents and recent applicants up to mid-2026:

If you comfortably exceed the minimum assets, push for the 10-year stay. The marginal cost in fees is usually small compared with the convenience.
If you are just around the minimum threshold, expect that immigration may steer you to a 5-year grant, or scrutinise your documentation closely.

It is not always possible to “choose” freely; ultimately, the decision lies with immigration. However, your application can be presented strategically to align with your preferred term.

Who the Indonesia Second Home Visa Suits (and Who It Doesn’t)

Good Fit Profiles

The Second Home Visa is generally a strong match for:

Semi-retirees and retirees who are under or over 55, have substantial savings or assets, and see Indonesia as a long-term base rather than a short experiment.
Business owners and investors who want a legal, low-friction way to stay near their Indonesian or regional investments without holding local jobs.
High-earning remote workers who are early- or mid-career but have already accumulated significant capital and want maximum stay flexibility.
Families planning to place children in Indonesian or international schools and minimise annual visa renewal cycles.

Mentally, it helps to think of the deposit or asset threshold as stepping into the category of “residents with significant stake in Indonesia,” not extended tourists.

Poor Fit Profiles

The Second Home Visa is usually not the right route if:

You do not have USD 130,000+ that you are comfortable parking or investing in Indonesia under local rules.
You want to try Bali for six months and see how you feel; shorter-stay visit visas or retirement options (if you qualify) are better experiments.
Your main goal is to work for an Indonesian company. You should be looking at proper work permit routes instead.
You strongly prefer liquid, easily accessible savings and are uneasy about tying capital to a single jurisdiction.

If you are on the fence, you might start with a more modest long-stay route, then revisit the Second Home Visa after a year or two in-country, once you are sure Indonesia is your place.

Application Process: Step by Step

The exact sequence can vary slightly by consulate and agent, but most Second Home Visa paths look roughly like this:

1. Feasibility Check and Asset Planning

Before touching paperwork, you should:

Confirm your citizenship is not barred from this category (very few are, but always worth checking);
Clarify how you’ll meet the second home visa deposit or asset requirement—cash, property, bonds, or a mix;
Talk with both an Indonesian bank and (if relevant) property or investment advisors about the practicalities of moving funds.

We suggest a short structured call with a visa specialist at this stage. You can arrange this through our concierge service: plan your trip and note that you’d like WhatsApp follow-up for Second Home feasibility.

2. Document Collection & Preparation

Expect to gather and prepare:

Scans of your passport and current visas;
Proof of funds and/or asset ownership in Indonesia (or steps to arrange it);
Police clearance certificates and health insurance evidence, if requested;
Marriage and birth certificates for dependents, with apostille/legalisation and translation where required.

At this stage, accuracy and consistency matter. Discrepancies in names, dates, or translations can slow things down or trigger extra questions.

3. E-Visa Application & Approval

Your agent or you (if applying solo) will lodge an application with Indonesian immigration. This normally involves:

Uploading documents through an official portal;
Paying the government visa fee;
Waiting for approval, which can take from days to several weeks depending on volume and completeness.

Approval typically arrives as an electronic visa (e-visa). Check all details carefully—name spelling, passport number, validity dates—before booking flights.

4. Arrival in Indonesia

Once your Second Home e-visa is issued, you can enter Indonesia:

Immigration at the airport will verify your e-visa and passport;
Officers may ask high-level questions about your plans and accommodation.

Keep copies (digital and printed) of your visa approval, proof of assets/deposit, and onshore contact details when you first arrive.

5. Conversion to Stay Permit & Biometrics

After arrival, your visa status is typically converted into a stay permit (a form of KITAS under the Second Home umbrella). This process usually includes:

Visiting the local immigration office in your area (for example, in Bali) for biometrics—photos and fingerprints;
Completion of local address registration and reporting steps.

Your agent usually coordinates schedules, forms, and what you need to bring for this appointment.

6. Living on the Second Home Visa

Once your stay permit is activated, you can:

Enter and leave Indonesia multiple times under the visa’s rules;
Rent or long-lease property; some banks and landlords are more comfortable with long-stay permits;
Apply for dependent permits for spouse and children if not already done.

You must keep your registered address and personal details up to date, and cooperate with any periodic checks or renewals required by immigration.

Using the Second Home Visa in Bali

Many applicants informally think of this as the Bali second home visa because their lifestyle vision is Bali-centred: beaches, co-working spaces, international schools, and healthcare access.

Practical Bali-Specific Considerations

Where to register: If you live in Bali, your stay permit and biometrics are typically handled through the Bali immigration offices (e.g., Denpasar or Singaraja), depending on your address.
Housing: The visa does not itself grant property ownership rights. If you plan to invest in property, you’ll balance leasehold structures, company setups, or other legal vehicles that comply with foreign ownership rules.
Community: Bali has established communities of long-stay foreigners, including Second Home and Retirement visa holders, plus remote workers. This makes it easier to swap practical tips, but you must remember that individual anecdotes are not law—always cross-check with current regulations.

If you are planning a premium or long-stay move focused on Bali, we can help you align visa route, schooling, healthcare, and neighbourhood selection: plan your trip and we can coordinate the details via WhatsApp step by step.

Risks, Grey Areas, and Things to Watch

1. Regulatory Change Risk

The Second Home Visa is relatively new compared with classic categories like Retirement KITAS. That means:

Regulations and implementing rules are still evolving;
Minimum deposit amounts, accepted asset forms, and conditions for 5 vs 10-year grants can change via new circulars or decisions.

Always re-check requirements directly before you move large sums or file your application.

2. Currency & Deposit Risks

Your qualifying funds in IDR or IDR-denominated instruments are exposed to exchange-rate movements and local financial-system risk. Consider:

How comfortable you are holding significant wealth in Indonesian assets;
Whether you should diversify across multiple institutions or instruments (e.g., a mix of deposits and government bonds);
The impact on your home-country tax situation, if any.

These are financial-planning questions as much as immigration questions.

3. Tax Residency & Reporting

If you live in Indonesia most of the year on a 5 or 10-year visa, you may become a tax resident under Indonesian law and may have reporting obligations. This can affect:

How your foreign income is treated;
Whether you must report global assets to Indonesian authorities;
How tax treaties with your home country interact with Indonesian rules.

The details depend heavily on your nationality, structure of your income, and how many days you spend in-country. For anything beyond very simple situations, seek specialist tax advice.

FAQ: Indonesia Second Home Visa (2026)

Is the Indonesia Second Home Visa the same as the Bali Second Home Visa?

There is no separate “Bali Second Home Visa” in law. The Indonesia Second Home Visa is a national immigration category; you can use it to live in Bali or anywhere else in Indonesia. People use the Bali phrase informally because many applicants choose to base themselves in Bali.

How much is the Second Home Visa deposit in 2026?

Regulations have moved the minimum around, but the practical ballpark has hovered near USD 130,000–160,000 equivalent in Indonesian Rupiah, held as deposits or qualifying assets. The exact number, accepted asset types, and proof rules can change quickly. Always VERIFY the current threshold with official sources or a trusted agent right before you commit funds.

Can I work online on a Second Home Visa?

Remote work for overseas employers or clients is not clearly labelled as permitted or banned in Indonesian immigration law. Many Second Home holders do work online for foreign entities in practice. What you cannot do is take a job at an Indonesian company or work in local businesses without a proper work permit. This remains a legal grey area, so if your situation is complex or high-profile, seek professional advice.

Can my spouse and children join me on a Second Home Visa?

Yes, in most cases your spouse and dependent children can obtain linked stay permits based on your Second Home status, provided you supply proper civil documents (marriage, birth certificates) and meet financial requirements. Details can vary and have evolved with the scheme, so confirm current dependent rules during your application planning.

Is the Second Home Visa better than a Retirement KITAS?

It depends on your age, assets, and goals. The Second Home Visa typically suits people with higher assets who want 5–10 years of stability and may be under 55. The Retirement KITAS is usually simpler and cheaper but limited to 1-year renewals and restricted to people aged 55+. Many long-stay foreigners who qualify for both still choose based on cost, asset comfort, and how long they plan to stay in Indonesia.