Malaysia MM2H Visa Guide: Silver, Gold, Platinum Rules & Requirements

TL;DR: The Malaysia My Second Home (MM2H) programme offers a renewable long-term social visit pass with a multiple-entry visa. It has three standard tiers: Silver (5 years, USD 150,000 fixed deposit), Gold (15 years, USD 500,000), and Platinum (20 years, USD 1,000,000), plus a 10-year SEZ/SFZ category. Every category requires the purchase of a residence after approval, and the residence generally cannot be sold for 10 years. For participants aged 25–49, the principal applicant, spouse, and dependents can collectively satisfy the 90-day annual stay. Official materials conflict for participants aged 50 or older: the category overview states no minimum stay, while the individual category pages still state a 90-day annual requirement. Confirm the rule with MOTAC.

MM2H Tiers & Financial Requirements

The official category overview also lists a processing fee of RM 5,000 for the principal applicant and RM 2,500 for each dependent.

1. Mandatory Fixed Deposit Rules

To qualify for MM2H, applicants must place the required fixed deposit with a licensed Malaysian financial institution. The official thresholds are stated in US dollars; confirm the account and transfer arrangements with the licensed institution and your MM2H agency.

• Withdrawal Timing: Current official materials conflict. The current category pages allow withdrawal after MM2H approval, while MOTAC's one-page category summary says withdrawal is allowed after one year. Confirm the operational rule with MOTAC before withdrawing.
• Partial Withdrawal: The maximum approved withdrawal is 50% of the principal amount.
• Approved Expenses: The current official guidelines permit approved withdrawals for a Malaysian residence purchase, education, medical expenses, or tourism activities in Malaysia.
• Remaining Balance: A maximum 50% withdrawal leaves at least 50% of the original deposit in the account.

2. Mandatory Property Purchase Rules

The current regulations make property purchase compulsory for all three standard tiers.

• Timeline: The official terms require participants to purchase and own the qualifying residence after approval, but the cited terms do not state a universal 12-month completion deadline. Confirm the operational deadline with MOTAC and your licensed MM2H agency.
• Holding Period: The purchased residence cannot be sold for 10 years.
• Upgrading Exemption: The official rules allow an upgrade to a newly purchased residence of higher value during that period.
• Minimum Price Limits: The minimum purchase value varies by tier (RM 600,000 for Silver, RM 1 million for Gold, and RM 2 million for Platinum).

3. Eligibility & General Requirements

• Minimum Age: The main applicant must be at least 25 years old for a standard tier.
• Physical Stay: For participants aged 25–49, the principal applicant, spouse, and dependents can collectively satisfy the 90-day annual stay. For participants aged 50 or older, the official category overview states no minimum stay, but the individual category pages still state a 90-day annual requirement. Confirm the applicable rule with MOTAC.
• Dependents: Eligible dependents include a spouse; biological children, stepchildren, or adopted children under 21; children aged 21–34 who remain single and unemployed while in Malaysia; medically certified children with disabilities with no age limit; and parents or parents-in-law. Platinum participants may also bring a foreign domestic helper.
• No Self-Submission: New applications must be completed through a MOTAC-licensed MM2H tour operating business and submitted through the MM2H One Stop Centre. Immigration matters, including final approval, remain under the Immigration Department.

Special Economic Zone (SEZ) Alternative

The fourth Special Economic Zone / Special Financial Zone (SEZ/SFZ) category has lower fixed-deposit thresholds than the three standard tiers.

• Lower Thresholds: The current official SEZ/SFZ page requires USD 65,000 for applicants aged 21–49 and USD 32,000 for applicants aged 50 or older.
• Property Requirement: The current official page requires a property or house in Forest City, Johor; the floor price follows Johor's property-acquisition policy.
• Age Limit: The minimum age for the main applicant is 21 years.
• Pass Term and Fee: This is a renewable 10-year pass, and the one-off participation fee is RM 1,000.

Step-by-Step Application Process

1. Select a MOTAC-Licensed Agent: Verify the company's licence number and validity on the official MM2H agents list before paying any service fee.
2. Prepare the Initial Application: The official application checklist includes form IM.12, passport biodata-page copies for the principal and dependents, certified English translations of family-relationship documents, and a Certificate of Good Conduct for each applicant aged 18 or older. MOTAC may request additional documents.
3. Submit Through the Agent: The registered agent submits the application and supporting documents to the MM2H One Stop Centre. Applications undergo Royal Malaysia Police security screening and Immigration controls the final approval.
4. Receive Conditional Approval and Complete the 90-Day Requirements: After conditional approval, the official process gives applicants 90 days to prepare the fixed-deposit certificate, a medical check-up report from a MOTAC-appointed panel clinic or hospital, a stamped security bond form, a valid passport, and health insurance for applicants aged 60 or below.
5. Complete Pass Endorsement: Submit the post-approval documents through the registered agent, then pay the applicable processing, participation, pass, and visa fees. Immigration issues the MM2H endorsement pass.
6. Purchase the Required Residence: Purchase and own a qualifying residence after approval. The official terms cited here do not state a universal completion deadline, so confirm the operational deadline with MOTAC and your licensed MM2H agency.

References

• MOTAC official summary of current MM2H categories: Insights on the Categories
• MOTAC detailed terms for new MM2H participants: Terms and Regulations
• Current official MM2H rules and application flow: Guidelines
• Current category comparison, fees, and stay rules: Category Overview
• Current official standard category pages: Silver, Gold, and Platinum
• Current official SEZ/SFZ category page: SEZ/SFZ
• Current list of MOTAC-licensed MM2H companies: Licensed MM2H Agents
• Official application-stage document list: Application Checklist
• Official post-approval document list: Endorsement Checklist