Indonesia's Second Home Visa (E33): The Complete 2026 Guide

Indonesia's Second Home Visa (E33) grants five or ten years of residency with no age limit. The core requirement is IDR 2 billion, roughly USD 125,000, deposited in your own name at an Indonesian state-owned bank within 90 days of approval. Property worth USD 1 million or more under Hak Pakai title can substitute the deposit.

The Second Home Visa is Indonesia's answer to a question its immigration system never used to handle well: what do you offer the 52-year-old who wants to live in Bali properly, years before any retirement visa applies? The E33 answers it with capital rather than age. This guide covers who it suits, the money mechanics, family rules, work restrictions and how it stacks up against the alternatives.

What is the Second Home Visa (E33)?

The E33 is a long-stay permit granting five or ten years of residency in Indonesia, aimed at financially established foreigners who want a base in the country without working locally. Qualification rests on funds: IDR 2 billion, roughly USD 125,000, held at an Indonesian state-owned bank, or high-value property in lieu. There is no age requirement and no monthly income test.

Functionally it converts you from perpetual tourist to resident. You receive a KITAS-class stay permit, which brings the practical machinery of living here: a local bank account, an Indonesian driving licence, and eligibility for Hak Pakai property title, which is reserved for KITAS and KITAP holders. For people who have been cycling through 60-day visit visas, the difference in quality of life is hard to overstate, a case we make bluntly in visa runs vs proper residency.

Who is the Second Home Visa actually for?

Three groups dominate. First, the under-60s planning ahead: too young for the E33F retirement KITAS but ready to establish a Bali base now. Second, part-year residents who want a multi-year permit that survives their months abroad. Third, families, because one deposit covers spouse, children and parents on dependent permits.

The age point deserves emphasis. Indonesia's retirement routes, the E33F and the E33E Silver Hair visa, both start at 60. Before that birthday the E33 is the only mainstream way to hold five-plus years of residency on the strength of your own funds. We map the full landscape for younger applicants in visa options for under-60s in Bali.

It also fits people who could take a retirement visa but prefer not to. A 63-year-old with capital can choose ten years of certainty on the E33 over annual E33F renewals. The trade-offs run in both directions, and we work through them in retirement KITAS vs Second Home Visa.

What are the financial requirements for the E33?

The requirement is IDR 2 billion, about USD 125,000, in the applicant's own name at an Indonesian state-owned bank: Mandiri, BNI, BRI or BTN. The funds must be placed within 90 days of visa approval and maintained for the life of the visa. The alternative is property, but only property worth USD 1 million or more held under Hak Pakai title.

Note what the requirement is not. It is not a fee, the money remains yours. It is not an income test, no monthly pension evidence is needed. And it is not satisfied by funds at a private or foreign bank, the state-owned bank condition is specific. The full mechanics, timing and release questions are covered in the IDR 2 billion proof of funds, explained.

The property alternative catches many buyers out. A typical Bali villa purchase is leasehold, and leasehold does not qualify, whatever the price. Only USD 1 million plus under registered Hak Pakai title substitutes for the deposit, which excludes most realistic purchases: Sanur freehold villas near the beach list at roughly USD 300,000 to 800,000 per July 2026 listings, well under the threshold even before the title question. We unpack this in can buying property qualify you for the Second Home Visa.

Can your family join on one deposit?

Yes, and this is one of the E33's strongest features. A spouse, children under 18, unmarried children up to 25 who are still students, and parents can all join on dependent E31 permits. One qualifying deposit covers the entire family.

Run the arithmetic against the alternatives and the value is obvious. A couple in their fifties with a 16-year-old and a dependent parent secures four residencies against a single IDR 2 billion deposit, roughly USD 125,000 that stays their own money throughout. No other Indonesian long-stay route covers three generations on one financial requirement.

Can you work or run a business on the E33?

No Indonesian-source income is allowed: no local employment, no invoicing Indonesian clients, no salary from an Indonesian entity. Remote work for a foreign employer, paid abroad, is tolerated in practice. Confirm current practice with a licensed agent, since enforcement positions can shift.

Property income is the common grey-area question, and the answer is reassuring: renting out a property you own is passive income, permitted with the right tax treatment. Per PwC's Indonesia tax summaries, non-residents pay a 20 per cent final withholding tax on gross rent, while Indonesian tax residents, generally those present 183 days or more per year, pay a 10 per cent final tax on gross rent, and tax treaties can reduce the non-resident rate. A competent property manager remits this for you.

How does the E33 compare with the retirement and golden visa routes?

The E33 wins on age flexibility, duration and family coverage. The E33F retirement KITAS wins on capital, needing income proof rather than a deposit, but only from age 60. The E33E Silver Hair visa sits between them: five years for over-60s against a USD 50,000 deposit. Indonesia's golden visa programme targets active investors at higher thresholds, a different proposition we compare in golden visa vs Second Home Visa.

How long does the E33 last, and can it lead to permanent residency?

You choose five or ten years at application, and KITAP, the permanent stay permit, becomes possible after three years. That means an E33 holder can be applying for permanent residency before an annual-renewal visa holder has finished their third renewal cycle.

The ten-year option is worth taking seriously if you are certain about Indonesia. It carries you past a decade of rule changes without touching immigration paperwork, and rule changes are a real feature of this landscape. The deposit obligation runs for the life of the visa either way, so the choice is about administrative certainty rather than cost.

Where do Second Home Visa holders settle in Bali?

The E33's profile, established families and part-year residents rather than backpackers, maps closely onto Bali's calmer coasts, and Sanur in particular. The town pairs a flat, car-free 7 kilometre beachfront promenade with the strongest healthcare story on the island: Bali International Hospital opened here on 25 June 2025, inside KEK Sanur, Indonesia's first health special economic zone, a 41.26 hectare project with around USD 620 million in projected investment under Government Regulation 41 of 2022.

The wider market context supports the residency decision too. According to BPS Bali, foreign arrivals reached 6.9 million in 2025, up 9.7 per cent on 2024, with Australians the largest source market at roughly 1.63 million. For E33 holders who buy a base here, that demand underwrites rental income in the months they are away. On costs, bali.com's 2026 guide puts a comfortable couple's budget in Sanur at roughly USD 2,350 to 3,450 per month, modest against the capital profile of a typical E33 applicant.