Indonesia's Second Home Visa & Golden Visa in 2026

One of the most common questions we hear at InmoBali in 2026 is simple: "Which visa lets me live in Bali long-term — and does it let me own property?" The honest answer is that Indonesia now offers three serious long-stay routes, each built for a different type of investor. None of them, by itself, gives you freehold ownership of land. Understanding that distinction up front saves people from expensive mistakes.

The Three Long-Stay Routes in 2026

Indonesia has consolidated its long-stay options into three headline programs. The right one depends on whether your priority is lifestyle, capital deployment, or running an actual business in Bali.

Thresholds are indicative for 2026 and change frequently. Always confirm current figures with a licensed Indonesian immigration consultant before committing funds.

The Second Home Visa Explained

The Second Home Visa is designed for people who want to live in Bali without working for a local employer. The headline requirement is proof of funds of around IDR 2 billion (roughly USD 130,000) held in a state-owned Indonesian bank, or an equivalent qualifying asset. It is typically issued for 5 or 10 years and can be extended.

It is popular with retirees and remote-income individuals because it does not require a local sponsor company. Note: once you spend more than 183 days in Indonesia in a 12-month period, you generally become an Indonesian tax resident — which has implications you should plan for with an accountant.

The Golden Visa Tiers

The Golden Visa targets higher-net-worth investors who place capital into Indonesia — for example government bonds, public shares, or a qualifying company. As published in 2026, the individual investment route starts at approximately USD 350,000 for a 5-year visa and around USD 700,000 for a 10-year visa, with higher tiers and separate corporate routes above that.

The appeal is fast-tracked immigration handling, longer validity, and fewer renewal cycles. It suits investors who want a long runway in Indonesia without the operational obligations of running a company.

The Investor KITAS via PT PMA

If you actually want to operate a business in Bali — a villa-management company, a café, a development vehicle — the route is usually an Investor KITAS attached to a PT PMA (foreign-owned limited company). This is the only one of the three routes built around active business activity, and it is the structure most of our property-development clients use.

A PT PMA carries its own capital and investment-plan requirements (see our company-law guide), and the KITAS is renewable. After holding an Investor KITAS for several consecutive years, holders may become eligible to apply for KITAP (permanent stay). Because the rules interlock with company law, get this structured by professionals from the start.

2026 Enforcement: Why the Paper Trail Matters Now

In 2025–2026 Indonesian authorities tightened cross-agency checks. Notary (PPAT) deeds, immigration (KITAS) records and land-office (BPN) registrations are increasingly cross-referenced. Structures that looked convenient a few years ago — nominee arrangements, mismatched names on deeds, undocumented capital — are exactly what audits now flag.

The practical takeaway: your visa, your company papers and your property title should tell one consistent story. Investors who structured correctly have nothing to fear; those who cut corners are the ones receiving letters.

Processing Times and What to Expect

In 2026, realistic processing for these routes runs roughly 4–8 weeks once your documents are complete, though complex PT PMA setups take longer. Build a buffer into any purchase timeline that depends on your residency status, and never transfer property funds on the assumption that a visa will be approved on a specific date.