Malaysia MM2H: Live in Malaysia Long Term With a Deposit and a Home You Own
You want a long stay in Malaysia, and you want to know what each tier asks of you. Malaysia My Second Home (MM2H) is a residence pass with four tiers, from a fixed deposit of USD 150,000 to USD 1,000,000, plus a home you buy. Applications go through a tour operator licensed by the Ministry of Tourism.
Four tiers, two payments and a pass that old guides describe wrongly
Malaysia rebuilt MM2H, and many guides still quote the old deposits and the old rules. Each tier now has a fixed deposit, a home purchase, a participation fee and its own pass length. Add a stay rule and a rule about selling the home, and the total is easy to get wrong.
What it looks like from the outside:
- Old figures of RM300,000 and RM150,000 still shown on some pages.
- A deposit, a home purchase and several fees that all apply at once.
- A rule that only a licensed tour operator can file.
How it feels:
- You worry you will pick the wrong tier.
- You fear paying for a home before you know the pass is approved.
- You feel unsure whom to trust when every site gives different numbers.
You do not have to work out four tiers alone
We know how hard it is to budget for a pass when the deposit, the home and the fees all arrive at different times. You want someone who has read the rule on the official page, tells you honestly when a route does not fit, and stays with you until the file is filed.
What we have done:
- 35+ years in immigration and investment migration
- 25,000+ families guided since 1991
- 3rd Generation in the immigration industry
- 2026 Canadian Choice Award winner
What we believe:
- Honesty first: we tell you when a route does not fit, before you move money.
- Checked rules: every figure on this page is read from an official source and dated.
- Your plan, not a template: the right route depends on your goals, your family and your funds.
We believe a plan to live in Malaysia should rest on the tier table the ministry publishes, not on an old guide.
What you get
| Feature | Benefit | Meaning |
|---|---|---|
| Four tiers set by the ministry | You choose by budget and by how long you want the pass | Your budget shapes the tier, not the other way round |
| A pass of 5 to 20 years | You see how long each tier lasts before you start | You plan a long stay with a known end date |
| Up to 50% of the deposit can be used in Malaysia | After approval you can use part of it for a home, education or medical costs | Your money works for you while you live there |
| Tax exemption on foreign funds and income | The ministry page lists this for participants | You check your own tax position with an adviser |
| Family cover | Spouse, children and parents can be included | The people you worry about are covered together |
Where it takes you: a long-stay residence pass in Malaysia. This is a pass to live there, not a passport.
Is it right for you?
An honest answer before you move funds.
| A good fit if | Consider another route if |
|---|---|
| You want to spend most of the year in Malaysia | You want to stay only a few weeks a year: if you are under 50, your family must spend 90 days a year in Malaysia, shared between you and your dependants |
| You can place a fixed deposit and buy a home | You plan to sell the home soon: it cannot be sold for 10 years unless upgraded to a higher value |
| You are 25 or older (21 or older in the SEZ tier) | You need all of your deposit to stay within reach: only up to 50% can be withdrawn, for set uses |
| You can show where your funds come from | Your funds cannot be documented |
Not sure Malaysia is the best fit? Compare all South East Asia routes, or use Find my program and we match your goals to the right one.
What you need
You need a fixed deposit, a home purchase after approval and a licensed tour operator to file. The ministry also asks for a medical check-up after approval.
What the ministry pages list:
- A main applicant aged 25 or older (21 or older in the SEZ tier with the USD 65,000 deposit, 50 or older for the USD 32,000 deposit).
- The fixed deposit for your tier, placed in Malaysia.
- A home purchase at or above the tier minimum, completed after approval.
- A medical check-up at a panel clinic or hospital, after approval.
- An application submitted through a tour operator licensed by the Ministry of Tourism, Arts and Culture, completed through the OSC MM2H.
- A stay of at least 90 days a year if you are under 50, which you and your dependants can share.
The routes and rules
The ministry sets one table of tiers. The amounts below are the minimums the MM2H category page publishes.
| Tier | Fixed deposit | Home purchase (minimum) | Pass length | Participation fee |
|---|---|---|---|---|
| Platinum | USD 1,000,000 | RM2,000,000 | 20 years, renewable | RM200,000 |
| Gold | USD 500,000 | RM1,000,000 | 15 years, renewable | RM3,000 |
| Silver | USD 150,000 | RM600,000 | 5 years, renewable | RM1,000 |
| SEZ, aged 50 and over | USD 32,000 | Set by the SEZ development | 10 years, renewable | RM1,000 |
| SEZ, aged 21 to 49 | USD 65,000 | Set by the SEZ development | 10 years, renewable | RM1,000 |
Who can be included. Your spouse, your children under 21, unemployed single children aged 21 to 34, disabled children of any age, and your parents and parents-in-law. Platinum also allows foreign domestic helpers.
What it costs, and what waiting costs
The deposit and the home are the larger costs, and the government fees sit on top. Set both against the cost of a wrong start: a tier that does not fit and a home bought too early.
| Fee | Amount |
|---|---|
| Processing fee | RM5,000 for the principal, RM2,500 for each dependant |
| Participation fee | RM1,000 (Silver and SEZ), RM3,000 (Gold), RM200,000 (Platinum) |
| Renewal fee | RM1,500 (Silver), RM3,000 (Gold), RM5,000 (Platinum), RM300 (SEZ) |
| Annual pass fee | RM500 per year (RM500 to RM2,000 a year for a family of four; the official schedule does not say per person or per family) |
| Visa fee | RM0 to RM50, by nationality |
Source: MOTAC MM2H category overview and guidelines pages (last updated 10 February 2026). Home price, taxes and professional fees are on top.
Property introductions in Malaysia
MM2H needs a home you buy, and we introduce you to local property partners. They find homes at or above your tier minimum: RM600,000 for Silver, RM1,000,000 for Gold, RM2,000,000 for Platinum, or the SEZ development for the SEZ tier. They handle the purchase with you after approval. The purchase is an agreement between you and the seller. We give no investment advice and quote no returns. Local partners may pay AIA for introductions.
Your path in three steps
Three steps from your first answers to your pass.
- Step 1: Find your route. Use Find my program. You get a shortlist and a cost view for your family in a few minutes.
- Step 2: We do the heavy lifting. We qualify your case and check your funds, family and documents. When your case is qualified, we bring in a Ministry-licensed tour operator, who files for you. You place the deposit and buy the home after approval.
- Step 3: Your pass in hand. The ministry decides, you keep the conditions, and you renew on time.
Processing time depends on the authority and on how complete your file is.
Status: what changed and when
Reviewed 22 October 2026. Sources: MOTAC MM2H pages.
| What | Status |
|---|---|
| Tier table | Four tiers on the ministry category page, last updated 10 February 2026 |
| Home purchase | Compulsory after approval; the home cannot be sold for 10 years unless upgraded to a higher value |
| Filing | Only through a tour operator licensed by the Ministry of Tourism, Arts and Culture |
| Minimum stay | 90 days a year if you are under 50, shared with your dependants |
What could change: tier amounts, fees and the rules on the home and the stay. What we do about it: we re-read the official pages before each update and show the date.
After you have the pass
You keep the pass by keeping the deposit, the home and the stay. The ministry lets you withdraw up to 50% of the deposit after approval, for a home, education, or medical and tourism costs in Malaysia.
- Stay: if you are under 50, you and your dependants spend at least 90 days a year in Malaysia between you.
- Home: it cannot be sold for 10 years unless you upgrade to a higher-value home.
- Renewal: the pass is renewable, and the renewal fee depends on your tier.
Two possible futures
A year from now, you may still be comparing guides while the rules shift. You hold a brochure, a number from one adviser that contradicts another, and no date on any of it.
Or your family has a pass in Malaysia, your route is one that exists, and your file went in clean. You feel relieved, and you chose on facts you could check.
The cost of staying put: routes and rules change, and each change can add cost or close a door.
Your ultimate success:
- Relieved: your family has a base in South East Asia
- Confident: you chose a route that exists today
- Protected: the people you worry about are covered
- In control: you decided on your terms, with the facts
Which route fits your family?
Answer eight short questions and the finder ranks all 17 residence programmes against your goals, funds and family. You see your shortlist and the cost for your family first, and a form only if you want it emailed with a fact sheet.
Why clients choose Amir Ismail & Associates
35+ years of hands-on immigration experience and 25,000+ successful cases. 3rd generation in the immigration industry. We bring in qualified local partners in each country, so you deal with one accountable team from first question to filing.
One point of contact
We qualify your case first, then bring in the right local partner. You deal with us throughout.
A strategy built for your family
We match routes to your goals, funds and family, not a template.
Application accuracy
Document and source-of-funds review that prevents costly errors and refusals.
Timely updates
We track rule, fee and regulator changes across every program for you.
End-to-end support
From your first question to your permit in hand, we guide every step.
Proven track record
2026 Canadian Choice Award winner, trusted since 1991.
What our clients say
Real reviews from clients we have guided across borders.
Frequently asked questions
What does Malaysia MM2H really cost?
You pay a fixed deposit from USD 150,000 to USD 1,000,000 (or USD 32,000 to USD 65,000 in the SEZ tier), buy a home from RM600,000, and pay a participation fee and a processing fee (RM12,500 for a family of four: RM5,000 principal plus RM2,500 per dependant). Participation fees run from RM1,000 to RM200,000 by tier. Taxes and professional fees sit on top.
How long does it take?
Processing time depends on the authority and on how complete your file is. We walk you through each step and its timing before you commit funds.
Will my application be approved?
No route promises approval, and we make no approval claims. What we control is the file: documented funds, the right tier and a licensed filing partner. We tell you before you pay if your case does not fit.
What is Malaysia MM2H?
Malaysia My Second Home (MM2H) is a long-stay residence pass run by the Ministry of Tourism, Arts and Culture. It has four tiers, each with a fixed deposit and a home purchase.
Which tier should I choose?
Silver suits a USD 150,000 deposit and a RM600,000 home, Gold suits USD 500,000 and RM1,000,000, and Platinum suits USD 1,000,000 and RM2,000,000. The SEZ tier has lower deposits and its own property rules.
Can I use the deposit?
Yes, in part. The ministry lets you withdraw up to 50% of the fixed deposit after approval for a home, education, or medical and tourism costs in Malaysia.
Do I have to live in Malaysia?
Yes, 90 days a year if you are under 50. You and your dependants can share those days, and the pass does not ask for more.
Can I sell the home?
Not for 10 years, unless you upgrade to a home of higher value.
Can my family be included?
Yes. Your spouse, children under 21, unemployed single children aged 21 to 34, disabled children, and your parents and parents-in-law can be included.
Why do I need a licensed tour operator?
The ministry requires every application to go through a tour operator licensed under the Tourism Industry Act 1992. When your case is qualified, we bring in the right licensed operator and stay your point of contact.
What if the rules change after I apply?
Rules can change by announcement. The status box shows the date we last read the ministry pages.
Do you help with buying a property?
Yes, through introductions. For the property route we introduce you to local property partners in Malaysia. We give no investment advice and quote no returns, and the purchase is an agreement between you and the seller. Local partners may pay AIA for introductions.
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Last reviewed: 22 October 2026 · Last updated: 22 October 2026
