Head to head
Indonesia Second Home visa vs Malaysia MM2H Silver
Two retirement and savings routes side by side: money, stay, family, fees and tax, from the official sources. The official authority decides every application.
Key differences
- MoneyIndonesia Second Home visa asks for savings of $130k+; Malaysia MM2H Silver for savings of $150k+.
- RenewalIndonesia Second Home visa: renewable, 10 years max. Malaysia MM2H Silver: renewable.
- CitizenshipIndonesia Second Home visa: general rule: 5 years of residence. Malaysia MM2H Silver: general rule: 10 years of residence.
- FamilySpouse can't work on both.
- Government feesThe first government fee listed is IDR 13M ≈ $730 for Indonesia Second Home visa and MYR 1,000 ≈ $240 for Malaysia MM2H Silver; the table lists every fee.
- Tax residenceIndonesia: more than 183 days (rolling 12 months). Malaysia: at least 182 days (calendar year).
Side by side
Indonesia Second Home visa | Malaysia MM2H Silver | |
|---|---|---|
| Country | 1Second Home visa | 2MM2H Silver |
| Type | 1Second Home visa Retire or live on savings | 2MM2H Silver Retire or live on savings |
| Money needed | 1Second Home visa Needs savings of $130k+ | 2MM2H Silver Needs savings of $150k+ |
| First stay | 1Second Home visa 5 yrs | 2MM2H Silver |
| Renewal | 1Second Home visa Renewable, 10 years max DetailsThe stay permit can be extended online; extensions run up to the length of the first permit and total limited stay may not exceed 10 years. Directorate General of Immigration, IndonesiaDirectorate General of Immigration, Ministry of Immigration and Corrections of Indonesia | 2MM2H Silver Renewable DetailsThe MM2H pass is renewable; its validity depends on the validity of your passport. |
| Spouse can work | 1Second Home visa Can't work | 2MM2H Silver Can't work |
| Work | 1Second Home visa | 2MM2H Silver Yes DetailsBusiness, investment activities and career opportunities are not allowed under Silver. |
| Government fees | 1Second Home visa IDR 13M ≈ $730 Details
| 2MM2H Silver MYR 1,000 ≈ $240 · MYR 5,000 ≈ $1,220 · +2 more Details
|
| Permanent residence | 1Second Home visa Time here counts DetailsForeign-investment and second-home limited stay permits can be converted to a permanent stay permit (ITAP) on application, with evidence that the investment or deposit commitment is kept. Directorate General of Immigration, Ministry of Immigration and Corrections of Indonesia | 2MM2H Silver |
| Citizenship | 1Second Home visa General rule: 5 years of residence DetailsNaturalisation requires living in Indonesia for at least 5 consecutive years or 10 non-consecutive years, plus Indonesian language, steady income and no dual nationality. Ministry of Law, Directorate General of General Legal Administration | 2MM2H Silver General rule: 10 years of residence DetailsNaturalisation needs residence in Malaysia for at least 10 of the 12 years before applying, including the last 12 months, plus Malay language knowledge, good character and intent to settle permanently. |
| Processing | 1Second Home visa 4 working days DetailsThe visa is decided within 4 working days after payment is received. | 2MM2H Silver |
| Where to apply | 1Second Home visa Abroad or in-country DetailsApply online at evisa.imigrasi.go.id and the stay permit is issued on arrival; visitors already in Indonesia on a visit visa (not visa on arrival or visa-free) can convert in-country for listed purposes. Directorate General of Immigration, IndonesiaDirectorate General of Immigration, Ministry of Immigration and Corrections of Indonesia | 2MM2H Silver Where to apply DetailsApplications go through a licensed MM2H operator and the One Stop Centre. |
| Employer needed | 1Second Home visa No | 2MM2H Silver No |
| Tax residence test | 1Second Home visa More than 183 days (rolling 12 months) This route allows up to 10 yrs in total. | 2MM2H Silver At least 182 days (calendar year) Details
|
| Foreign-source income | 1Second Home visa Foreigners present in Indonesia more than 183 days in 12 months, or present in a tax year with intent to reside, are domestic tax subjects taxed on worldwide income. | 2MM2H Silver Foreign-source income exempt DetailsResident individuals are exempt from tax on foreign-source income received in Malaysia from 1 January 2022 to 31 December 2036, except income from partnership businesses. |
| Tax note | 1Second Home visa | 2MM2H Silver |
| Official source | 1Second Home visa | 2MM2H Silver |
| Checked against official sources | 1Second Home visa | 2MM2H Silver First checked |
≈ USD figures are approximate: daily reference rates from ExchangeRate-API, dated 12 Oct 2026, refreshed when the site is updated.
Official sources
Indonesia Second Home visa
- Visa index Second Home visa E33 (Directorate General of Immigration) · Directorate General of Immigration, Indonesia · checked 2026-10-12
- E31B Family Visa for Spouse of a Limited Stay Permit or Permanent Stay Permit Holder · Directorate General of Immigration, Indonesia · checked 2026-10-12
- Immigration residence permits: extension of limited stay permits (ITAS), periods and caps · Directorate General of Immigration, Ministry of Immigration and Corrections of Indonesia · checked 2026-10-12
- Change of status from visit stay permit (ITK) to limited stay permit (ITAS) · Directorate General of Immigration, Ministry of Immigration and Corrections of Indonesia · checked 2026-10-12
- Law No. 12 of 2006 on Citizenship of the Republic of Indonesia · Ministry of Law, Directorate General of General Legal Administration (AHU) · checked 2026-10-11
- Change of status from limited stay permit (ITAS) to permanent stay permit (ITAP) · Directorate General of Immigration, Ministry of Immigration and Corrections of Indonesia · checked 2026-10-12
Malaysia MM2H Silver
- MM2H Silver Category · Ministry of Tourism, Arts and Culture · checked 2026-10-10
- MM2H Category Overview and requirements · Ministry of Tourism, Arts and Culture · checked 2026-10-10
- MM2H Guidelines · Ministry of Tourism, Arts and Culture · checked 2026-10-10
- Application for citizenship under Article 19 of the Federal Constitution (aged 21 and over) · National Registration Department (JPN), Malaysia · checked 2026-10-11