What is Malaysia My Second Home (MM2H) Program?

The MM2H visa allows applicants and their families to live in Malaysia with renewable five-year blocks. Dependents include the spouse, children under 34 years (unmarried), and parents. Siblings, nieces, nephews, and grandparents cannot be included.

 

Legal custody documents are required for single parents, and adoption papers for adopted children. Note that MM2H is not a resident, employment, or permanent residence visa.

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The Enhanced MM2H Program: 3-Tier (Platinum, Gold, and Silver) & MM2H in SEZ & SFZ

Foreigners from countries that has diplomatic relationship with Malaysia

• All 191 countries except Israel & North Korea.

Age

• New 3-tier MM2H (All categories): 25 years old and above.

• MM2H in SEZ & SFZ: 21 years old and above.

Application method

• Apply and submit through licensed MM2H agents accredited by the ministry under the Tourism Industry Act 1992.

Dependents that can be included

• Spouse (husband/wife).

• Biological children/stepchildren/adopted children:

  • Below 34 years old.

  • For aged 21 - 34 years old, they must be single/unmarried, and not working in Malaysia.

• Disabled children (no age limit) - must be certified by medical expert.

• Parents and parents-in-law.

Bringing Maid under MM2H

• Exclusive for those in Platinum category only.
  For other categories, applicants can bring in maid, but not under MM2H application.

Minimum Stay (per year)

• 90 days cumulative in Peninsula Malaysia (within one year).

• New 3-tier MM2H (All categories): Applicants aged 25 - 49 must stay in Malaysia must be fulfilled either by the main applicant or their dependents.

• MM2H in SEZ & SFZ: Applicants aged 21 - 49 must stay in Malaysia must be fulfilled either by the main applicant or their dependents.

Purchase of Properties after Approval of MM2H Application

• Compulsory for all categories.

• Purchase of any residential properties in Peninsula Malaysia only.

• Lock-in period: 10 years (Properties cannot be sold for 10 years).
  However, the purchase of higher value than the current properties are allowed.
  **MM2H visa will be revoked if this rule is not complied by the MM2H participants.

Medical/Health Insurance

• Aged below 60 only.

• Only accept Malaysia's medical/health insurance.

Certificate of Good Conduct

• No criminal records for all applicants and dependents above age 18.

Medical Check-up

• Medical check-up can only be performed by the clinic/hospital panels authorized by the Ministry in Malaysia only.

• Medical check-up must perform before endorsement (after approval).

Working in Malaysia / Business Engagement in Malaysia / Investment in Malaysia

• Exclusive for those in Platinum category only.

Education

• For children only.

Medical Treatment in Malaysia

• Allowed for all categories.

Proof of Offshore Income

• Not required for all categories.

Renewal Term

• 5 years after initial term.

• Documents required for renewal:

  • Current passport.​

  • Medical check-up performed by the clinic/hospital panels authorized by the Ministry in Malaysia only.

  • Malaysian medical/health insurance.

Tax Exemption

• Eligible to all categories for funds/income from offshore.

Change of Principal

• In the event of the principal's passing, for all categories.

• Only to the next-of-kin who is also a dependent under his/her MM2H application.

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Platinum Category:

Fixed Deposit (FD) - Any banks in Malaysia

• USD 1million and above.

Purchase of Properties

• Any residential properties in Malaysia valued at RM2 million and above.​

Requirement for Fixed Deposit (FD) Withdrawal

• After approval of MM2H application.

• 50% of the total amount for the purchase property (with a minimum value of RM2mil and above), medical expenses and domestic travel within Malaysia.

• Withdrawal can only be done within Malaysia only.

Government Registration/Entry Fee (One-Off) - Paid to Government

• RM200,000 for principal.

• No registration/entry fee is required for all dependents.

MM2H Social Pass / Visa

• Eligible for 20 years renewable visa along with Multiple-Entry Visa (MEV) for the main applicants and dependents.

• Renewable 5 years of visa will be given after the first 20 years of visa has been collected.

• Government renewal fee: RM5,000 (not visa fee).

Engagement of Business, Investment Activities or Employment in Malaysia

• Allowed.

Maid

• Allowed to bring in under MM2H.

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Gold Category:

Fixed Deposit (FD) - Any banks in Malaysia

• USD 500,000 and above.

Purchase of Property

• Any residential properties in Malaysia valued at RM1million and above.

Requirement for Fixed Deposit (FD) Withdrawal

• After approval of MM2H application.

• 50% of the total amount for the purchase property (with a minimum value of RM1million and above), medical expenses and domestic travel within Malaysia.

• Withdrawal can only be done within Malaysia only.

Government Registration/Entry Fee (One-Off)

• RM3,000 for principal.

• No registraiton/entry fee is required for all dependents.

MM2H Social Pass / Visa

• Eligible for 15 years renewable visa along with Multiple-Entry Visa (MEV) for the main applicants and dependents.

• Renewable 5 years of visa will be given after the first 15 years of visa has been collected.

• Goverment renewal fee: RM3,000 (not visa fee).

Engagement of Business, Investment Activities or Employment in Malaysia

• Not allowed.

Maid

• Engage local maid agencies to arrange a maid for Malaysia.

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Silver Category:

Fixed Deposit (FD) - Any banks in Malaysia

• USD 150,000 and above.

Purchase of Property

• Any residential properties in Malaysia valued at RM600,000 and above.

Requirement for Fixed Deposit (FD) Withdrawal

• After approval of MM2H application.

• 50% of the total amount for the purchase property (with a minimum value of RM600,000 and above), medical expenses and domestic travel within Malaysia.

• Withdrawal can only be done within Malaysia only.

Registration/Entry Fee (One-Off) - Paid to Government

• RM1,000 for principal.

• No registration/entry fee is required for all dependents.

MM2H Social Pass / Visa

• Eligible for 5 years renewable visa along with Multiple-Entry Visa (MEV) for the main applicants and dependents.

• Renewable 5 years of visa will be given after the first 5 years of visa has been collected.

• Goverment renewal fee: RM1,500 (not visa fee).

Engagement of Business, Investment Activities or Employment in Malaysia

• Not allowed.

Maid

• Engage local maid agencies to arrange a maid for Malaysia.

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Special Conditions for MM2H Participants under Special Economic Zones (SEZ) & Special Financial Zones (SFZ)

Fixed Deposit (FD) - Any banks in Malaysia

• Aged 21 - 49: USD 65,000 and above.

• Aged 50 and above: USD 32,000 and above.

Requirement for FD Withdrawal

• After approval of MM2H application.

• 50% of the total amount for the purchase property, medical expenses and domestic travel within Malaysia.

• Withdrawal can only be done within Malaysia only.

Purchase of Residential Properties after Approval of MM2H Application

• Residential properties in SEZ & SFZ must be purchased from developers and not property agents or existing owners.

• Minimum price is subject to the State Authority - May required the approval/consent from State Authority.
  **MM2H visa will be revoked if this rule is not complied by the MM2H participants.

Government Registration/Entry Fee (One-Off)

• RM1,000 for principal.

• No participation fee is required for all dependents.

MM2H Social Pass / Visa

• Eligible for 10 years renewable visa along with Multiple-Entry Visa (MEV) for the main applicants and dependents.

• Renewable 5 years of visa will be given after the first 10 years of visa has been collected.

• Government renewal fee: RM300 (not visa fee).

Engagement of Business, Investment Activities or Employment in Malaysia

• Not allowed.

Maid

• Engage local maid agencies to arrange a maid for Malaysia.

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We kindly request you to reach out to us at penangpropertyangel@gmail.com / +6016 496 7718 so that we can connect you with the right professionals for further assistance.

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Benefits of the Malaysia My Second Home (MM2H) Visa:

    •    Stay long-term in Malaysia, beyond the typical 30 or 90-day tourist visa.

    •    Open bank accounts in Malaysia, an option not available without a visa.

    •    Access affordable Malaysian health insurance with excellent coverage.

    •    Under the 3-tier MM2H and MM2H in SEZ/SFZ, withdraw up to 50% of your fixed deposit after the first year if you purchase property in Malaysia.

  

Do I need to report to the authorities where I stay?

The Malaysian government does not monitor the residences of MM2H participants or require them to report their address. Participants can enter and leave the country at their convenience, without any restrictions. 

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For Europeans: Malaysia does not have a registration system similar to a town hall for residence. To prove your address, you will need to provide utility bills.

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Why do I need an agent to apply, why can’t I just do it myself?

A significant portion of fraud, particularly involving fake documents, has been committed by direct applicants or those handling their applications independently. The Malaysian government struggles to track these cases due to the lack of local sponsors. Fraudulent documents complicate the process for genuine applicants, requiring additional certifications.

 

To address this issue, MM2H agents are now licensed, and recent measures have ensured that only legitimate agents are authorised to operate, enhancing the integrity of the program.​

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Can I add dependents such as a spouse, children, parents, or parents-in-law later, and is the process of adding them straightforward?

Yes, you can add dependents later; however, there will be additional charges for the inclusion. You will need to provide certified documents such as marriage certificates, birth certificates, or legal adoption papers.​

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Can I bring in my maid?

Yes, you can bring in a maid, but this option is only available to applicants applying as a husband or wife. It is not open to single applicants. The maid must be female and under 45 years old, with no exceptions. Please consult with our professionals for further guidance.​

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Can I change the category (Silver, Gold, or Platinum)?

Yes, you can make changes before the approval letter is issued. However, once the approval letter is issued, you will need to cancel the application and reapply as a new applicant. An additional service fee will be charged to cover administrative costs.​

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How should I proceed with the medical insurance?

Anyone under the age of 60 is required to have local medical insurance. We can arrange an affordable plan to meet the MM2H requirements, with additional charges based on your occupation, age, height, and weight. If you prefer a higher-quality medical insurance plan, please let us know, and we will provide you with contacts for reputable insurance agents.​

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Can I remain in Malaysia on a tourist visa while awaiting approval for my MM2H application?

You can only stay in Malaysia for the duration specified in your passport—typically up to 30 or 90 days per entry, depending on your nationality. Extensions on tourist visas are challenging to obtain, and authorities generally prefer that you remain outside Malaysia while awaiting MM2H approval.

 

However, this policy may change if the MM2H agency requests an exception from the Ministry of Tourism, Arts, and Culture (MOTAC) to allow applicants to stay in Malaysia during the approval process.

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Can I change my citizenship after obtaining the MM2H visa?

Yes, you can change your citizenship after obtaining the MM2H visa, but you will need to apply to MM2H and provide proof that you have surrendered the original citizenship associated with the MM2H visa. The process can be lengthy and requires the submission of numerous official documents, so it’s advisable to avoid changing citizenship unless absolutely necessary.

 

Alternatively, you might consider changing your citizenship first and then applying for MM2H once the citizenship change is complete.​

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How many years is the MM2H approved for?

There are 3 categories of new MM2H:

• Platinum: 20 years, renewable for 5 years.

• Gold: 15 years, renewable for 5 years.

• Silver: 5 years, renewable for 5 years.

• MM2H in SEZ (JB): 10 years, renewable for 5 years.

 

Is it easy to renew, and are the requirements grandfathered?

So far, the renewal process has been straightforward. Many MM2H participants have successfully renewed their visas for the past 20 years without issues, provided the MM2H visa has not lapsed or expired. To date, all existing MM2H holders benefit from grandfathered requirements.

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Schooling for children:

Public schools are not available to foreigners, but you can enroll your children in private schools. To facilitate their education, a separate student visa (under the MM2H umbrella) must be obtained for them. Our preferred MM2H professionals will provide guidance on how to secure this student visa.

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Are the fees refundable if I withdraw from or cancel my MM2H application?

The MM2H agency's professional fee is non-refundable once they have submitted your MM2H application. If you decide not to proceed before they submit your application, RM1,000 will be refunded. Once your MM2H visa is approved, the visa fees are not refundable, even if you cancel the visa before its expiration date. The security bond will be refunded, though it may take some time to receive the refund.​

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Privacy concerns:

We are committed to protecting your privacy and do not sell or share information with third parties. We adhere strictly to privacy standards.

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Taxation:

As of 2024, you are not issued a tax number and do not pay Malaysian taxes. However, if you require a certificate of tax residency, it is available upon meeting certain conditions. Please contact us for more information.

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Cars and Houses:

You are not required to buy a car or own property while applying for the MM2H visa; you can rent or stay with friends or relatives. However, for the new 3-tier MM2H system and MM2H in SEZ/SFZ participants, property purchases are mandatory after visa approval:

 

    •    Platinum: Properties valued at RM2 million and above.

    •    Gold: Properties valued at RM1 million and above.

    •    Silver: Properties valued at RM600,000 and above.

    •    MM2H in SEZ/SFZ: Property prices are set by the State Authority and must be purchased from developers, not through agents or homeowners. Approval from the State Authority may be required.

 

Failure to comply with these conditions may result in the revocation of the MM2H visa. Existing MM2H holders under the old conditions are not subject to these requirements and do not need to purchase a car or property.

 

Process & Timing:

MM2H agents cannot control the processing time or outcome of the application. However, their experience allows them to understand which documents are required and how to present them effectively to the MM2H Centre.

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What happens if I am unable to meet the minimum stay requirements?

The MM2H committee reserves the right to reject your renewal application at their discretion.

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Work & MM2H:

Existing MM2H holders, as well as Silver, Gold, and MM2H in SEZ/SFZ holders, are not permitted to work for a Malaysian company or within Malaysia. However, you may work remotely for a company based outside Malaysia (i.e., not a Malaysian business entity). You can also set up a business but should not actively work for it or be on the payroll. You may act as an advisor or consultant and receive business dividends. If you wish to work full-time in Malaysia, you will need to obtain an Employment Pass.

 

This does not apply to Platinum holders, who are permitted to engage in any business, investment activities, and employment in Malaysia.

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If I pass away, can my spouse continue to hold the MM2H visa?

Once the main applicant passes away, participants in the 3-tier MM2H and MM2H in SEZ/SFZ programs may transfer the principal status to their next-of-kin who is a dependent under their MM2H application.

 

However, existing MM2H holders under the old conditions cannot transfer the visa. In this case, all dependents are automatically terminated. If the spouse wishes to continue staying in Malaysia, they must re-apply as a new applicant under the 3-tier MM2H or MM2H in SEZ/SFZ conditions and requirements.

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If I decide to leave Malaysia after several years, will the deposit be refunded?

Your deposit will be refunded only after you have officially canceled or terminated your MM2H visa. You will receive 100% of the principal amount along with any interest earned.

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If I die in Malaysia, can my spouse or children collect the deposit from abroad, or do they need to come to Malaysia to claim it?

You need to make a Will for your assets in Malaysia, including the MM2H deposit. While the legal documents and probate can be handled from abroad, your spouse or children will need to come to Malaysia to collect the deposit. The bank requires their in-person signatures on the necessary documents before releasing the funds.​

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As an MM2H holder, will I be exempt from Tourist Tax, such as the hotel tourist tax for holidays in Malaysia?

No, only Malaysian citizens holding a MyKad and Malaysian Permanent Residents (PR) are exempt from Tourist Tax. The MM2H visa does not qualify as a permanent residency permit.​

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Can I open bank accounts with banks where I do not have MM2H deposits?

Yes, you can open a separate account with another bank for personal or daily use, subject to the terms and conditions of that bank. Bank policies may change, so it’s best to check with the bank beforehand.

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Can I easily transfer money in and out of Malaysia?​

Yes, but anti-money laundering laws apply. Please consult with your bank if you plan to make large transfers.

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What other services and facilities do banks offer?

    •    Credit cards are harder to obtain in Malaysia compared to many countries.

    •    Banks usually require a deposit as collateral, with the credit card limit equal to the deposit amount.

    •    You can discuss car hire purchases, mortgages, and other financial services with the bank.

    •    Banks in Malaysia are strict about protecting customer privacy.

    •    For further inquiries, contact the banks directly.

 

Note: Please be aware that information, benefits, and requirements may change over time. It is advisable to consult with the appropriate professionals for the most up-to-date information and any changes.​

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We kindly request you to reach out to us at penangpropertyangel@gmail.com / +6016 496 7718 so that we can connect you with the right professionals for further assistance.