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Malaysia continues to attract expatriates, retirees, and investors with its vibrant culture, tropical climate, and affordable lifestyle. Since its launch in 2002, the Malaysia My Second Home (MM2H) initiative has stood out as a leading pathway for foreigners seeking extended residency in Malaysia.
With the 2025 updates, the MM2H program introduces new tiers, requirements, and benefits to cater to diverse applicants. This article provides a comprehensive guide on the latest MM2H rules, financial obligations, eligibility, and application process.
Malaysia My Second Home 2025
The MM2H 2025 program offers flexible long-term residency options for foreigners, with tiers tailored to different investment capacities and lifestyle needs. Malaysia’s attractive climate, culture, and modern amenities make it a popular choice for expatriates.
Platinum and Gold participants enjoy added privileges, including the ability to work, run businesses, hire domestic helpers, and include family members as dependents. Silver and SEZ/SFZ tiers provide simpler residency options for younger or budget-conscious applicants.
Applicants must work with licensed agents, prepare certified documents, and meet financial and health requirements to secure conditional approval. The process ensures a smooth transition while complying with Malaysia’s regulations.
MM2H fixed deposits can be partially withdrawn for approved expenses such as property, education, and medical costs, while maintaining a minimum balance. This provides financial flexibility while enjoying the benefits of long-term residency.
MM2H 2025 Requirements Quick View
| Tier | Durat. | Min Age | Fix Deposit | Prop Purchase | Work/Business | Domestic Helper | Gov Fee | Pro Fee |
|---|---|---|---|---|---|---|---|---|
| Platinum | 20 yrs | 25 | USD 1M | MYR 2M | Yes | Yes | MYR 200K | MYR 70K |
| Gold | 15 yrs | 25 | USD 500K | MYR 1M | Yes | Yes | MYR 3K | MYR 55K |
| Silver | 10 yrs | 21 | USD 150K | MYR 600K | No | No | MYR 1K | MYR 40K |
| SEZ/SFZ | 5 yrs | 21 | USD 65K | Zone-specific | No | No | MYR 1K | MYR 40K |
What is MM2H Program?
The Malaysia My Second Home (MM2H) initiative is a government-backed program that allows foreign nationals to reside in Malaysia on a long-term basis. The MM2H visa can renewed and offers a duration of 5 to 20 years, based on the chosen tier and the applicant’s individual circumstances.
The program is design to promote Malaysia as a preferred destination for retirees, digital nomads, and investors seeking stability and a high quality of life. With access to healthcare, banking, and property opportunities, MM2H offers a smooth transition to living in Malaysia.
MM2H Visa Tiers & New Requirements 2025
The MM2H program has been updated into four main categories: Platinum, Gold, Silver, and SEZ/SFZ (Special Economic/Financial Zones). Each tier has distinct financial and residency requirements.
Platinum Tier
- Visa Duration – 20 years (renewable)
- Minimum Age – 25 years
- Fixed Deposit Required – USD 1 million (~MYR 4.5M)
- Property Purchase – MYR 2 million minimum
- Work/Business Rights – Allowed
- Domestic Helper – Permitted
- Government Participation Fee – MYR 200,000
- Professional Fee – MYR 70,000
Ideal for high-net-worth individuals, the Platinum tier offers maximum flexibility, investment opportunities, and family inclusion.
Gold Tier
- Visa Duration – 15 years (renewable)
- Minimum Age – 25 years
- Fixed Deposit Required – USD 500,000 (~MYR 2.25M)
- Property Purchase – MYR 1 million minimum
- Work/Business Rights – Allowed
- Domestic Helper – Permitted
- Government Participation Fee – MYR 3,000
- Professional Fee – MYR 55,000
This tier balances investment and lifestyle benefits, suitable for mid-level investors seeking long-term residence.
Silver Tier
- Visa Duration – 10 years (renewable)
- Minimum Age – 21 years
- Fixed Deposit Required – USD 150,000 (~MYR 675K)
- Property Purchase – MYR 600K minimum
- Work/Business Rights – Not allowed
- Domestic Helper – Not allowed
- Government Participation Fee – MYR 1,000
- Professional Fee – MYR 40,000
Perfect for younger expatriates, remote workers, and retirees who wish to make Malaysia their base without extensive investments.
SEZ/SFZ Tier
- Visa Duration – 5 years (renewable)
- Minimum Age – 21 years
- Fixed Deposit Required – USD 65,000 (~MYR 275K)
- Property Purchase – Only in designated zones
- Work/Business Rights- Not allowed
- Domestic Helper – Not allowed
- Government Participation Fee – MYR 1,000
- Professional Fee – MYR 40,000
Targeted at investors and Singapore residents seeking cost-effective residency within Special Economic Zones, such as Forest City.
MM2H Visa Benefits
- Long-Term Residency – Depending on tier, from 5 to 20 years.
- Multiple Entry Visa – Freedom to travel in and out of Malaysia.
- Tax Advantages – No tax on foreign-sourced income for most tiers.
- Property Ownership – Eligible to purchase residential property as per tier requirements.
- Family Inclusion – Spouse, children under 34, and parents over 60 can be dependents.
- Healthcare Access – Full access to public and private medical facilities.
- Banking Facilities – Ability to open local bank accounts and fixed deposit accounts.
MM2H Application Process
- Step 1: Choose a Licensed Agent
- Applicants must engage a registered MM2H agent to facilitate the process. Direct applications are not permitted.
- Step 2: Select Tier & Check Eligibility
- Select the appropriate tier based on age, finances, and investment capability.
- Step 3: Document Preparation; Required documents generally include –
- Completed MM2H application form
- Passport photocopies and photographs
- Personal letter of intent
- Bank statements for the last three months
- Proof of income
- Marriage/birth certificates for dependents
- Health check and medical insurance
- Letter of Good Conduct (LGC)
- All foreign documents must be translated into English by Dewan Bahasa dan Pustaka or Malaysian embassy/consulate and certified as true copies.
- Step 4: Submission & Approval
- Submit documents via your agent for review. Once conditional approval is granted, applicants are required to settle the government participation fee along with the agent’s professional charges.
- Step 5: Visa Endorsement in Malaysia
- Visit Malaysia to complete endorsement, open a fixed deposit, undergo medical checkup, and finalize medical insurance.
MM2H Fixed Deposit Withdrawal Guidelines
Participants in the MM2H program are allowed to access up to half of their fixed deposit for authorized expenses, including –
- Residential property purchase
- Children’s education
- Medical expenses
Minimum Balance After Withdrawals –
- Age 50 and above: RM 100,000
- Below 50 years: RM 150,000
This article provides general information about the Malaysia My Second Home (MM2H) program as of 2025. Rules and fees are subject to change by the Government of Malaysia. Applicants should consult official sources or licensed MM2H agents before proceeding with applications.
