Retirement KITAS (E33F, "Lansia")
The one-year elderly permit, and the only Indonesian retirement route with no deposit. It asks for pension income instead, plus an Indonesian guarantor who is legally answerable for you: the immigration law makes a guarantor responsible for your presence and activities, and liable for the cost of sending you home if your permit lapses or you are deported. Agencies sell that role, and whoever holds it can end it, which can tie you to the agent who filed for you. No guarantor is needed if you are legally married to an Indonesian citizen. The sources disagree on the minimum age, between 55 and 60.
Second Home Visa (E33E)
The five-year elderly second-home route, and the one that needs no sponsor. It asks for money held in your own account at an Indonesian state bank for the whole permit, plus a monthly income. Extendable, with total stay capped at ten years. The visa page states 55 and the regulation states 60, and the two have not been reconciled.
Golden Visa (E28C, 5-year)
The capital-market investor route. The money goes into Indonesian government bonds, shares listed on the exchange, or mutual funds, with proof at application. A fixed-term bank deposit does not qualify, which is what separates this from the second-home routes. Five years, extendable.
Golden Visa (E28C, 10-year)
The ten-year tier of the investor route, for twice the investment, or an apartment worth at least 1 million USD. The same instruments qualify and a bank deposit still does not. It gives ten years to an investor who would otherwise be renewing at five.
Second Home Visa (E33)
The general second-home route, and the one with no age floor and no income requirement. It asks for a larger deposit at an Indonesian state bank than the elderly route, or an apartment worth at least 1 million USD, held for the whole permit. Up to five years, extendable, with total stay capped at ten.
Spouse of an Indonesian citizen (E31A)
The route a foreign husband or wife of an Indonesian citizen lives on, with no deposit, no income threshold and no minimum age. The Indonesian spouse sponsors it online. It does not include the right to work. Indonesia has no civil marriage, so an interfaith couple marries abroad and reports the marriage to an Indonesian embassy.
