Malaysia My Second Home (MM2H)
Malaysia’s long-term residency program for retirees and investors, across four tiers from Silver to Platinum. Emerhub confirms the right tier and handles your application.
What is Malaysia My Second Home?
Malaysia My Second Home, MM2H, is a long-term residency program for foreigners who want to settle in Malaysia, built for retirees, investors, and expatriates who can meet a financial threshold. It grants a renewable multiple-entry pass, from 5 years on the Silver tier to 20 on Platinum, and access to Malaysia’s healthcare and schools.
It was relaunched in 2024 under the Ministry of Tourism, Arts and Culture, MOTAC, and those rules remain in force through 2026. The program now runs on four tiers, Silver, Gold, Platinum, and a separate Special Economic Zone route. It is a residency pass, not a path to permanent residency or citizenship.
Key features of MM2H
Long-term residency with the lifestyle and tax position that draw most applicants.
Long-term residency
A renewable, multiple-entry pass lasting 5 to 20 years by tier, so you can come and go freely.
Lower cost of living
Day-to-day costs run well below Western cities, with quality healthcare and housing in places like Kuala Lumpur.
Foreign income untaxed
Malaysia taxes on a territorial basis, so foreign-sourced income such as pensions, dividends, and interest is generally not taxed.
Bring your family
Include your spouse, unmarried children up to 34, and your parents or parents-in-law on the same pass.
MM2H tiers and requirements
The tier sets your deposit, visa length, property minimum, and whether you can work. The SEZ route runs in designated zones such as Forest City, on lower thresholds.
| Silver | Gold | Platinum | SEZ | |
|---|---|---|---|---|
| Fixed deposit | USD 150,000 | USD 500,000 | USD 1,000,000 | USD 65,000 (under 50), USD 32,000 (50+) |
| Visa validity | 5 years | 15 years | 20 years | 10 years |
| Minimum property | RM 600,000 | RM 1,000,000 | RM 2,000,000 | From RM 500,000 |
| Participation fee | RM 1,000 | RM 3,000 | RM 200,000 | RM 1,000 |
| Minimum age | 25 | 25 | 25 | 21 |
| Work and business | No | No | Yes | Separate permit needed |
All tiers are renewable and require a minimum stay of 90 days a year for applicants under 50; those aged 50 and above have no minimum stay. The SEZ property threshold is set by the zone. Processing, medical, and insurance costs are separate from the figures above.
Property and fixed deposit rules
The property purchase is now a core requirement, not an option. You buy a qualifying residential property within 12 months of your visa endorsement, and you have to hold it for at least 10 years from the date the visa is first issued. Selling earlier without approval can cost you the pass.
The fixed deposit sits in a Malaysian bank. After the first year, and once the property condition is met, you can withdraw up to 50% of it for approved purposes: a property purchase, medical expenses, or education. The remainder stays on deposit for as long as you hold the visa.
Documents required for MM2H
- The completed MM2H application form, for the main applicant and any dependents.
- A cover letter explaining your purpose for joining and your financial position.
- A resume of the main applicant, with qualifications and experience.
- Six passport photos, 3.5 by 5.0 cm, on a blue background.
- Color copies of all passports, including dependents, front to back.
- Proof of financial capability: bank statements and fixed deposit certificates.
- A Letter of Good Conduct from your home or domicile country.
- Marriage or birth certificates as proof of relationship for dependents.
- Proof of medical insurance.
- Evidence of the property purchase, where applicable.
Documents not in English must be translated by a qualified translator and validated by the relevant embassy or high commission.
How to apply for MM2H
The MM2H application runs through the MM2H centre under MOTAC and the Immigration Department.
Choose the tier and confirm eligibility
We match your age, budget, and plans to the right tier, and check the deposit, property, and age conditions before you commit.
Prepare and submit the application
We assemble the forms, financial proof, Letter of Good Conduct, and supporting documents, and file the application for you and your dependents.
Conditional approval
The MM2H centre reviews the application and issues a conditional approval letter, with security vetting on some applications.
Deposit, property, and endorsement
You place the fixed deposit, complete the medical and insurance, and the visa is endorsed. The property is bought within 12 months of endorsement.
Considering MM2H?
Tell us your age, budget, and whether you plan to work, and we’ll point you to the tier that fits, then run the application end to end through to the deposit and endorsement.
MM2H FAQs
The questions retirees and investors ask most about Malaysia My Second Home.
What is MM2H?
It is Malaysia’s long-term residency program for foreigners who meet a financial threshold, mainly retirees and investors. It grants a renewable, multiple-entry pass of 5 to 20 years by tier, but it is not permanent residency or citizenship.
How much do I need to deposit?
The fixed deposit is USD 150,000 for Silver, USD 500,000 for Gold, and USD 1,000,000 for Platinum. The SEZ route is lower, USD 65,000 under 50 or USD 32,000 at 50 and above. Each tier also requires a property purchase.
Do I have to buy property?
Yes. Every mainland tier and the SEZ route require a residential property purchase, from RM 600,000 on Silver up to RM 2,000,000 on Platinum. You buy within 12 months of endorsement and hold it for at least 10 years.
Can I work on MM2H?
Only on the Platinum tier, which allows you to work and run a business. Silver and Gold are social visit passes with no work rights. If working is the priority, an Employment Pass or the Premium Visa Programme is the better route.
Is there a minimum stay?
Applicants under 50 must spend at least 90 cumulative days a year in Malaysia, which the principal or a dependent can meet. Applicants aged 50 and above have no minimum stay requirement.
Who can I bring as a dependent?
Your spouse, unmarried children up to 34 who are not working in Malaysia, and your parents or parents-in-law, all on the same pass and for the same duration as yours.
Does MM2H lead to permanent residency?
No. MM2H is a long-stay residency pass, not a route to permanent residency or citizenship. It is renewable for as long as you keep meeting the conditions.
Talk to our Malaysia team
A free, no-obligation call: thirty minutes with our Malaysia team to match your age, budget, and plans to the right tier, walk through the deposit and property rules, and lay out the timeline.
Kampung Datuk Keramat
50400 Kuala Lumpur, Malaysia