Second Home Visa Indonesia 2026: Complete Guide to the 5-Year Stay Permit

What Is the Second Home Visa?

Indonesia's Second Home Visa (Visa Rumah Kedua), commonly abbreviated as SHV, is a long-term stay permit introduced to attract wealthy foreigners who want to use Indonesia as a second residence. Unlike KITAS which requires a sponsoring company or KITAP which requires years of prior residence, the SHV is a standalone immigration product designed for individuals who can demonstrate financial means.

The official visa list calls index E33 the Special Residency Visa; the name Second Home comes from the classification decree M.IP-08.GR.01.01/2025 cited on that page (imigrasi.go.id). The visa grants a stay permit of up to 5 years, making it one of the longest single-issue visas available in Indonesia. It sits between the KITAS (1-2 years, work-focused) and the Golden Visa (5-10 years, investment-focused) in terms of duration and requirements.

Eligibility Requirements

Path 1: Bank Deposit (USD 130,000)

The primary qualification route requires a deposit of at least USD 130,000 held in the applicant's own name at a state-owned (BUMN) Indonesian bank. Both conditions are part of the requirement: the amount alone does not qualify an account held by a company, or held at a private or foreign bank. Whether an account held jointly — with a spouse, typically — can satisfy the own-name condition is not settled in public regulation, and we ask in writing per case rather than answer it here.

What we file as proof (the document immigration ultimately accepts is not settled — see below):

• A statement or confirmation letter from the state-owned bank holding the deposit, in the applicant's own name
• Fixed deposits (deposito berjangka) held in the applicant's own name at that bank

What does NOT count:

• An account at a private, foreign or international bank
• An account in a company's name, or a joint account the applicant does not hold in their own name
• Property valuations or real estate appraisals (use Path 2 instead)
• Business assets or company accounts
• Cryptocurrency holdings (no standardized valuation accepted)
• Retirement account balances that cannot be liquidated (e.g., locked pension funds)
• Projected future income or inheritance

What is not settled in public regulation, and which we therefore ask in writing rather than assert: the exact bank document immigration accepts as proof, whether the deposit must be re-proven annually, and whether an IDR-denominated balance is tested against the USD threshold and at which exchange rate. Bali Zero does not offer, and has never offered, a deposit split across several banks.

Path 2: Property Ownership in Indonesia

The base E33 property alternative requires qualifying property worth at least USD 1,000,000, limited to a completed apartment or strata unit (rumah susun). Off-plan and leasehold property do not qualify.

What this does and does not settle:

• The qualifying legal title type is not specified in the published requirement, and we do not name one. A certificate type quoted to you as "the" qualifying title is a claim to verify, not a rule.
• The method immigration uses to validate the property's value — appraisal, certificate, purchase price or NJOP — is equally unconfirmed.
• Land, villas on land titles, and units bought off-plan do not qualify, whatever their value.
• Whether a base-E33 holder may switch from the deposit route to the property route (or back) inside the same permit is not publicly regulated.

Because both of those points are open, we run the property route as a written pre-check with immigration for each case instead of quoting a document list.

Senior routes (E33E and E33F)

The Second Home family also carries two senior routes for applicants aged 55 and over. They are separate products, not tiers of the base E33:

• E33E — a USD 50,000 deposit at a state-owned Indonesian bank plus proven passive income of USD 3,000 per month. Valid 5 years.
• E33F — proven passive income of USD 3,000 per month and no deposit at all. Valid 1 year.

USD 1,500 per month is a superseded pre-2024 figure and does not qualify anyone today. One caution on age: Permenkumham 11/2024 says 55 in one article and 60 in another. We operate on 55 and handle applicants aged 55-59 as a conditional case with a signed disclosure, rather than promising an outcome the regulation contradicts itself about.

General Requirements (Both Paths)

• A national passport with at least 6 (six) months of validity remaining before it expires — the requirement stated on the official E33 page (imigrasi.go.id). We also check that it covers the permit length you are applying for
• No criminal record in home country (apostilled certificate required)
• Health insurance valid in Indonesia with adequate coverage
• No previous immigration violations or blacklist entries in Indonesia
• Passport-size photographs (4x6 cm, white background)
• Completed application form

Step-by-Step Application Process

Stage 1: Document Preparation

1. Verify passport validity against the permit length applied for
2. Obtain criminal record clearance from your home country
3. Apostille the criminal record certificate (the issuing authority sets the processing time; we confirm it per country before we file)
4. Obtain the bank's confirmation of the USD 130,000 deposit held in your own name, OR the property documents
5. Obtain health insurance policy valid in Indonesia
6. Prepare passport photos meeting Indonesian specifications
7. Have all foreign-language documents translated to Bahasa Indonesia by a sworn translator

Stage 2: Application Submission

8. Submit the complete application package through your agent to the Direktorat Jenderal Imigrasi
9. Receive an application receipt and tracking number
10. Pay the government fee, which is settled as part of the all-inclusive price on the service page

Stage 3: Immigration Review

11. Immigration verifies your financial documents (bank balance or property ownership)
12. Background check conducted against immigration databases
13. Case officer may request additional documentation or clarification
14. If property-based: immigration verifies the property. Which records it checks, and how it validates the value, are not published

Stage 4: Approval and Visa Issuance

15. Receive visa approval notification
16. Visa approval letter issued; the entry window attached to it is stated on the letter itself
17. Review visa conditions and validity dates

Stage 5: Entry and Activation

18. Enter Indonesia inside the entry window stated on the approval letter
19. Immigration stamps the passport with the stay permit granted, up to 5 years
20. Register at the local immigration office (Wajib Lapor) within the deadline immigration states on the permit
21. Register domicile for the SKTT within 14 days of the stay permit being issued — we file it with you

What It Costs

Bali Zero quotes the Second Home Visa as a single all-inclusive price per route, published on the service page: balizero.com/visa/second-home. We do not break that figure into a government fee plus a service fee, and we do not publish a five-year cost estimate — the recurring costs an individual actually carries (insurance, reporting, travel) are not ours to quote.

Two things the price never includes, and never touches: the USD 130,000 deposit and the USD 1,000,000 property. Those are your own assets, held in your own name. Bali Zero never takes custody of them.

Rights and Privileges

What You CAN Do on Second Home Visa

• Reside anywhere in Indonesia for up to 5 consecutive years
• Travel freely in and out of Indonesia (multiple entry included)
• Open an Indonesian bank account at most major banks
• Register an Indonesian phone number in your name
• Enroll children in Indonesian schools (international or national curriculum)
• Access healthcare at hospitals and clinics throughout Indonesia
• Receive passive income from foreign investments, pensions, and rental properties abroad
• Own property in your own name wherever Indonesian law allows a foreigner to (a right that exists independently of this visa)
• Apply for dependent permits for family members through a separate application — the exact dependent codes, and whether they can be filed at the same time as yours, are not yet confirmed in writing by Ditjen Imigrasi

What You CANNOT Do on Second Home Visa

• Work for an Indonesian employer - No work authorization is included
• Operate a business in Indonesia (requires PT PMA with KITAS)
• Vote or participate in elections - Not a citizenship pathway
• Access subsidized government services (BPJS Kesehatan enrollment may be limited)
• Assume a conversion to KITAP - whether E33 time counts toward permanent residence is not settled in public regulation; the established route runs through 3 consecutive years on a KITAS
• Invoice Indonesian clients - This constitutes business activity requiring a work permit

Comparison: SHV vs KITAP vs Golden Visa

Tax Implications

The 183-Day Rule

If you spend more than 183 days in a calendar year in Indonesia, you become a tax resident under Indonesian law (UU PPh 36/2008). As a tax resident, you are subject to Indonesian income tax on worldwide income.

Tax Residency on SHV

Since the SHV grants a stay of up to 5 years, most holders will exceed the 183-day threshold and become tax residents. This means:

• You must register for an NPWP (tax identification number)
• You must file an annual SPT (tax return) by the statutory deadline for individual taxpayers
• Your worldwide income is subject to Indonesian progressive tax rates (5%-35%)
• Double Tax Agreements with your home country may reduce or eliminate double taxation

Indonesian Progressive Tax Rates (2026)

DTA Benefits

Indonesia has Double Tax Agreements with 71 countries. If your home country has a DTA with Indonesia, you can claim treaty benefits to avoid paying tax twice on the same income. Common scenarios include:

• Pension income: Often taxable only in the country of origin under most DTAs
• Dividend income: Reduced withholding rates (typically 10-15% instead of 20%)
• Interest income: Reduced rates under treaty provisions
• Capital gains: Usually taxable in the country where the asset is located

Consult a qualified tax advisor to understand your specific DTA benefits. See our guide on Double Tax Agreement claiming for step-by-step instructions.

Renewal Process

The permit can be extended before expiry. Permenkumham 22/2023 Pasal 113 sets the ceiling by the length of the first grant: a first grant of 5 years or more runs to a 10-year cumulative cap, a shorter first grant to a 6-year cap. The renewal process is simpler than the initial application since immigration already has your records.

Renewal Requirements

• Maintain the USD 130,000 deposit in your own name, or the qualifying property
• No immigration violations during the first permit period
• Completed all annual Wajib Lapor reporting obligations
• Valid passport (must extend beyond the new permit period)
• Updated health insurance

Renewal Timeline

Start the renewal process well before your current permit expires — we open the file at least 60 days out. If the permit expires before the renewal is granted, you enter overstay status, which carries a daily fine set by the current immigration tariff.

Frequently Overlooked Obligations

Wajib Lapor (Annual Reporting)

Every SHV holder must report to the local immigration office (Kantor Imigrasi) annually. This involves visiting the office, presenting your passport and SHV documentation, and confirming your continued residence. Failure to complete Wajib Lapor can carry an administrative fine and complications with renewal; we ask the office in writing and put the answer in your file rather than publish a figure we cannot source.

SKTT (Temporary Residence Certificate)

You must register your address with the local kelurahan (village office) and obtain an SKTT. This document is required for many practical purposes including bank account opening, phone number registration, and children's school enrollment. The SKTT is issued with the same validity as your stay permit (ITAS) — it is not an annual renewal. The published Dukcapil procedure gives you 14 days from the day the ITAS is issued to report to the civil-registration office, which is what the SKTT is issued on (disdukcapil). We file it as part of your arrival package.

Travel Notification

While the SHV includes multiple entry-exit privileges, a long continuous absence from Indonesia may trigger a review of your SHV status. No public rule states a number of days, so we do not invent one: tell us before a long trip and we record the absence in your file, so the renewal is prepared with the dates already documented. Immigration may question whether you still qualify for a "second home" visa if you rarely reside in Indonesia.

Who Is the Second Home Visa Best For?

Ideal candidates:

• Retirees with sufficient savings who want long-term Bali residency without business complexity
• Owners of a completed apartment or strata unit in Indonesia
• High-net-worth individuals who split time between multiple countries
• Parents of school-age children who want stability for education
• Couples or families who want to avoid annual visa renewals

Not ideal for:

• Remote workers employed by a foreign company — that is E33G, a different route inside the same Second Home family, not the base E33
• Entrepreneurs building a business in Indonesia (need PT PMA + E25B KITAS)
• Budget travelers (the USD 130,000 deposit is the entry barrier)
• People seeking permanent residence (KITAP through KITAS is the proper pathway)

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Interested in the Second Home Visa? Bali Zero guides you through the entire process, from financial documentation to SKTT registration. We handle all 5 stages so you can focus on enjoying your new home.

• Full guide & free fit memo: balizero.com/visa/second-home
• Email: hello@balizero.com WhatsApp
• Website: balizero.com