Malaysia My Second Home (MM2H)
Your guide to long-term residence in Malaysia
Three tiers plus a Special Economic Zone programme, each with its own deposit, validity and property requirement. Compare them at a glance, then read the rules that catch applicants out.
Checked November 2026 against MOTAC, Immigration and Maybank
01 · The tiers
Choose your tier
Fixed deposit in USD. Minimum property price in RM. All passes are renewable.
Silver
5-year pass
US$150K
Fixed deposit
- Home from RM600,000
- Age 25 and above
- No work or business rights
Gold
15-year pass
US$500K
Fixed deposit
- Home from RM1 million
- Age 25 and above
- No work or business rights
Platinum
20-year pass
US$1M
Fixed deposit
- Home from RM2 million
- Age 25 and above
- Work and business rights
SEZ / SFZ (Johor)
10-year pass
US$32K+
US$65K aged 21–49, US$32K aged 50+
- Home in Forest City, Johor
- Age 21 and above
- No work or business rights
Fixed deposit by tier
What you must place before the pass is issued. Sorted from the largest.
| Tier | Fixed deposit | Compared with Platinum |
|---|---|---|
| Platinum | US$1,000,000 | 100.0% |
| Gold | US$500,000 | 50.0% |
| Silver | US$150,000 | 15.0% |
| SEZ 21–49 | US$65,000 | 6.5% |
| SEZ 50+ | US$32,000 | 3.2% |
Swipe sideways on a phone.
Full comparison
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| Silver | Gold | Platinum | SEZ / SFZ | |
|---|---|---|---|---|
| Scope of Application | West Malaysia | West Malaysia | West Malaysia | Special Economic / Financial Zone (currently Johor only) |
| Main Applicant’s Age | 25 and above | 25 and above | 25 and above | 21 and above |
| Dependents | Spouse; children under 21; unemployed, single children aged 21-34; disabled children (no age limit); parents and parents-in-law | |||
| Fixed Deposit Requirements | USD 150,000 | USD 500,000 | USD 1,000,000 | 21-49 years: USD 65,000 · 50 and above: USD 32,000 |
| Fixed Deposit Withdrawal | Up to 50% of the principal after approval, for a residence, education, medical or tourism in Malaysia | |||
| Visa Validity | 5 years | 15 years | 20 years | 10 years |
| Renewal Fee | RM1,500 | RM3,000 | RM5,000 | RM300 |
| Participation Fee | RM1,000 (Govt Processing: RM5,000; RM2,500/dep) | RM3,000 (Govt Processing: RM5,000; RM2,500/dep) | RM200,000 (Govt Processing: RM5,000; RM2,500/dep) | RM1,000 (Govt Processing: RM5,000; RM2,500/dep) |
| Agent Fee | RM40,000 | RM55,000 | RM70,000 | RM40,000 |
| Offshore Income | No requirement | |||
| Property Value Threshold | From RM600,000 | From RM1 million | From RM2 million | Forest City, Johor; floor price per Johor state policy |
| Property Restriction | Cannot be sold within 10 years, except to upgrade to a higher-value home | |||
| Residency Requirement | Aged 25-49 (21-49 SEZ): 90 days a year, cumulative. Aged 50 and above: no stay requirement. | |||
| Work Opportunities | No | No | Yes | No |
| Business Opportunities | No | No | Yes | No |
| Bring Maid | Not listed | Not listed | Yes | Not listed |
| Healthcare | Long-term treatment accepted | |||
| Health Examination | Required after approval, at a panel clinic or hospital appointed by MOTAC | |||
| Tax Exemptions | Yes on foreign funds or income such as the fixed deposit (MOTAC) | |||
03 · The rules
Rules that matter most
Where applicants and agents most often get caught out.
Buy a home after approval
Compulsory in every tier. Operators report a one-year window; confirm yours in writing.
Hold for 10 years
No sale for 10 years, except to upgrade to a higher-value home. Breaching conditions can lead to the pass being revoked.
Withdraw up to 50%
Of the deposit after approval, for a residence, education, medical or tourism in Malaysia. The rest stays until the pass ends.
Age 50 is not an exemption
Turning 50 removes only the 90-day stay. The property purchase still applies.
Who can be a dependant
- Spouse
- Children under 21
- Unemployed, single children aged 21-34
- Children with a certified disability, any age
- Parents and parents-in-law
Dependants pay no participation fee. The pass transfers to next of kin if the principal dies.
How to apply
- Engage a MOTAC-licensed MM2H operator
- Application goes through the One Stop Centre; Immigration gives final approval
- Receive the conditional approval letter
- Place the deposit and complete panel-clinic medicals
- Pass is endorsed in the passport
- Buy the home and keep it 10 years
Withdrawing the deposit
- Residence: sales and purchase agreement, plus payment receipts or a certified copy
- Education: school enrolment fee receipt
- Medical: receipts, including pharmacy
- Paid by reimbursement, for the amount requested
- Not accepted by email; incomplete files are not processed; complete files take about 3 working days
Banking and financing example: Maybank Premier
- Eligibility (new Premier customers from March 2025): RM1 million aggregated investment, deposit and financing, or RM250,000 aggregated investment and deposit.
- Fixed deposit rate: the 12-month board rate plus 50 bps (Silver), 60 bps (Gold) or 70 bps (Platinum). Indicative only.
- Mortgage: completed or under-construction residential, up to 80% margin, minimum property RM500,000, tenure up to 20 years or age 65.
One bank’s programme, based on its terms and conditions v1. Rates and criteria can change; confirm with the bank.
Important notes
- Withdrawal timing. MOTAC’s current guidelines allow withdrawal after approval. An older Immigration Department page still says from the second year onwards, with fixed ringgit caps; treat that as legacy. Banks require prior approval from the authority before any withdrawal.
- Homes bought before approval. Operators report that a home bought up to 2 years before endorsement (SEZ/SFZ: 6 months) can support a withdrawal if it meets the tier minimum.
- SEZ / SFZ. The category is currently Johor only. MOTAC requires the home to be in Forest City, Johor. Per Maybank’s terms, it must be bought directly from the developer, not through a real estate agent or an owner.
- Tax. MOTAC lists tax exemption on foreign funds or income, such as the fixed deposit, for every category including SEZ/SFZ. Tax residency is a separate test (generally 182 days in Malaysia), so get tax advice.
- Operator fees are not set in MOTAC’s terms and vary. Confirm in writing before signing.
- Foreign-buyer limits. State minimum prices for foreign buyers can exceed the tier minimum; the higher figure applies.
- Sabah and Sarawak run their own versions. For example, Sabah and Sarawak start at age 30 with a RM500,000 deposit for Sabah Silver and Sarawak, and Sarawak makes home purchase optional.
- Deposit currency. The deposit is set in USD, and must sit with a bank licensed under the FSA 2013 or IFSA 2013.
Sources: mm2h.gov.my guidelines and SEZ/SFZ pages (MOTAC); Immigration Department MM2H page; Maybank Terms and Conditions for MM2H Programme v1; operator notices of May 2025. Rules change, so confirm with MOTAC or your licensed operator before committing funds.
Talk to us about the property
An MM2H pass needs a qualifying home purchase. We handle that side — the shortlist, the developer, the paperwork on the sale — and introduce you to a licensed MM2H operator for the application itself.
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Hi, I’m CS Tee from MySgProp.com, a CEA-licensed real estate advisor in Singapore since 2012.
Beyond helping clients buy, sell, or rent local properties, I also work with developers on new launches across Malaysia, Indonesia, Thailand, Vietnam, Cambodia, the UK, Australia, and Dubai.
If you/ friends need any assistance with property matters, feel free to reach out.