--- title: "Indonesia Second Home visa vs Malaysia MM2H Silver (2026)" url: https://settleanywhere.com/compare/malaysia-mm2h-silver-vs-indonesia-e33-second-home/ lang: en updated: 2026-10-12 --- 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 - **Money** Indonesia Second Home visa asks for savings of $130k+; Malaysia MM2H Silver for savings of $150k+. - **Renewal** Indonesia Second Home visa: renewable, 10 years max. Malaysia MM2H Silver: renewable. - **Citizenship** Indonesia Second Home visa: general rule: 5 years of residence. Malaysia MM2H Silver: general rule: 10 years of residence. - **Family** Spouse can't work on both. - **Government fees** The 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 residence** Indonesia: more than 183 days (rolling 12 months). Malaysia: at least 182 days (calendar year). ## Side by side | | Indonesia [Second Home visa](https://settleanywhere.com/countries/indonesia/e33-second-home/) | Malaysia [MM2H Silver](https://settleanywhere.com/countries/malaysia/mm2h-silver/) | | --- | --- | --- | | **Country:** | *1* Second Home visa [Indonesia](https://settleanywhere.com/countries/indonesia/) | *2* MM2H Silver [Malaysia](https://settleanywhere.com/countries/malaysia/) | | **Type:** | *1* Second Home visa Retire or live on savings | *2* MM2H Silver Retire or live on savings | | **Money needed:** | *1* Second Home visa **Needs savings of $130k+** | *2* MM2H Silver **Needs savings of $150k+** | | **First stay:** | *1* Second Home visa **5 yrs** | *2* MM2H Silver | | **Renewal:** | *1* Second Home visa **Renewable, 10 years max** Details The 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, Indonesia](https://www.imigrasi.go.id/wna/daftar-visa-indonesia/E33) [Directorate General of Immigration, Ministry of Immigration and Corrections of Indonesia](https://imigrasi.go.id/wna/izin-tinggal-keimigrasian/perpanjangan-izin-tinggal-terbatas) | *2* MM2H Silver **Renewable** Details The MM2H pass is renewable; its validity depends on the validity of your passport. [Ministry of Tourism, Arts and Culture](https://www.mm2h.gov.my/apply/guidelines) | | **Spouse can work:** | *1* Second Home visa **Can't work** | *2* MM2H Silver **Can't work** | | **Work:** | *1* Second Home visa | *2* MM2H Silver **Yes** Details Business, investment activities and career opportunities are not allowed under Silver. | | **Government fees:** | *1* Second Home visa **IDR 13M ≈ $730** Details IDR 13M ≈ $730 Stay up to 5 years: visa 500,000, verification 2,000,000, limited stay permit 7,000,000, re-entry permit 3,500,000. | *2* MM2H Silver **MYR 1,000 ≈ $240 · MYR 5,000 ≈ $1,220 · +2 more** Details MYR 1,000 ≈ $240 One-off participating fee per principal application; no participating fee for dependants. MYR 5,000 ≈ $1,220 Processing fee for the principal applicant. MYR 1,500 ≈ $370 Renewal fee for principal and dependants, renewal in 5-year steps after the programme period. MYR 2,500 ≈ $610 Processing fee for each dependant. | | **Permanent residence:** | *1* Second Home visa **Time here counts** Details Foreign-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](https://imigrasi.go.id/wna/izin-tinggal-keimigrasian/izin-tinggal-terbatas-menjadi-izin-tinggal-tetap) | *2* MM2H Silver | | **Citizenship:** | *1* Second Home visa **General rule: 5 years of residence** Details Naturalisation 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](https://portal.ahu.go.id/uploads/_uploads/dl/PP_UU/Dit.Tatanegara/UU%20No.%2012%20Th%202006.pdf) | *2* MM2H Silver **General rule: 10 years of residence** Details Naturalisation 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. [National Registration Department (JPN), Malaysia](https://www.jpn.gov.my/en/services/citizenship/application-for-citizenship-status-under-article-19-of-the-federal-constitution-aged-21-years-or-above/) | | **Processing:** | *1* Second Home visa **4 working days** Details The visa is decided within 4 working days after payment is received. [Directorate General of Immigration, Indonesia](https://www.imigrasi.go.id/wna/daftar-visa-indonesia/E33) | *2* MM2H Silver | | **Where to apply:** | *1* Second Home visa **Abroad or in-country** Details Apply 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, Indonesia](https://www.imigrasi.go.id/wna/daftar-visa-indonesia/E33) [Directorate General of Immigration, Ministry of Immigration and Corrections of Indonesia](https://imigrasi.go.id/wna/izin-tinggal-keimigrasian/izin-tinggal-kunjungan-menjadi-izin-tinggal-terbatas) | *2* MM2H Silver **Where to apply** Details Applications go through a licensed MM2H operator and the One Stop Centre. [Ministry of Tourism, Arts and Culture](https://www.mm2h.gov.my/apply/guidelines) | | **Employer needed:** | *1* Second Home visa **No** | *2* MM2H Silver **No** | | **Tax residence test:** | *1* Second Home visa **More than 183 days (rolling 12 months)** This route allows up to 10 yrs in total. | *2* MM2H Silver **At least 182 days (calendar year)** Details At least 182 days (basis year (calendar year)) | | **Foreign-source income:** | *1* Second 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. | *2* MM2H Silver **Foreign-source income exempt** Details Resident 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:** | *1* Second Home visa | *2* MM2H Silver [Tax relief · Exemption for foreign-source income received by resident individuals](https://settleanywhere.com/countries/malaysia/tax/) | | **Official source:** | *1* Second Home visa [Directorate General of Immigration, Indonesia](https://evisa.imigrasi.go.id/) | *2* MM2H Silver [Ministry of Tourism, Arts and Culture](https://www.mm2h.gov.my/category/silver) | | **Checked against official sources:** | *1* Second Home visa 12 Oct 2026 | *2* MM2H Silver First checked 11 Oct 2026 | ≈ 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 1. [Visa index Second Home visa E33 (Directorate General of Immigration)](https://www.imigrasi.go.id/wna/daftar-visa-indonesia/E33) · Directorate General of Immigration, Indonesia · checked 2026-10-12 2. [E31B Family Visa for Spouse of a Limited Stay Permit or Permanent Stay Permit Holder](https://www.imigrasi.go.id/wna/daftar-visa-indonesia/E31B) · Directorate General of Immigration, Indonesia · checked 2026-10-12 3. [Immigration residence permits: extension of limited stay permits (ITAS), periods and caps](https://imigrasi.go.id/wna/izin-tinggal-keimigrasian/perpanjangan-izin-tinggal-terbatas) · Directorate General of Immigration, Ministry of Immigration and Corrections of Indonesia · checked 2026-10-12 4. [Change of status from visit stay permit (ITK) to limited stay permit (ITAS)](https://imigrasi.go.id/wna/izin-tinggal-keimigrasian/izin-tinggal-kunjungan-menjadi-izin-tinggal-terbatas) · Directorate General of Immigration, Ministry of Immigration and Corrections of Indonesia · checked 2026-10-12 5. [Law No. 12 of 2006 on Citizenship of the Republic of Indonesia](https://portal.ahu.go.id/uploads/_uploads/dl/PP_UU/Dit.Tatanegara/UU%20No.%2012%20Th%202006.pdf) · Ministry of Law, Directorate General of General Legal Administration (AHU) · checked 2026-10-11 6. [Change of status from limited stay permit (ITAS) to permanent stay permit (ITAP)](https://imigrasi.go.id/wna/izin-tinggal-keimigrasian/izin-tinggal-terbatas-menjadi-izin-tinggal-tetap) · Directorate General of Immigration, Ministry of Immigration and Corrections of Indonesia · checked 2026-10-12 ### Malaysia MM2H Silver 1. [MM2H Silver Category](https://www.mm2h.gov.my/category/silver) · Ministry of Tourism, Arts and Culture · checked 2026-10-10 2. [MM2H Category Overview and requirements](https://www.mm2h.gov.my/category/overview) · Ministry of Tourism, Arts and Culture · checked 2026-10-10 3. [MM2H Guidelines](https://www.mm2h.gov.my/apply/guidelines) · Ministry of Tourism, Arts and Culture · checked 2026-10-10 4. [Application for citizenship under Article 19 of the Federal Constitution (aged 21 and over)](https://www.jpn.gov.my/en/services/citizenship/application-for-citizenship-status-under-article-19-of-the-federal-constitution-aged-21-years-or-above/) · National Registration Department (JPN), Malaysia · checked 2026-10-11 ## More head-to-heads