Your path to Malaysia, defined.
From MM2H category planning to education and property coordination — WellHome helps you compare the decisions that shape your Malaysia plan.
Malaysia My Second Home (MM2H)
MM2H is Malaysia's flagship long-stay residency programme administered by MOTAC. It is structured across four categories — Silver, Gold, Platinum, and SEZ/SFZ Johor. Exact financial thresholds, stay requirements, property rules, and rights must be verified against the latest official announcements before you decide.
Financial Requirements
MM2H Silver
A practical entry category for applicants seeking a 5-year MM2H pass with the lowest national FD and property thresholds shown in the current comparison.
Information is for general reference only and subject to the latest official MOTAC / OSC MM2H / Immigration announcements.
Quick Comparison
| Criteria | Silver | Gold | Platinum | SEZ/SFZ Johor |
|---|---|---|---|---|
| Minimum age | 25+ | 25+ | 25+ | 21+ |
| Minimum stay | 90 cumulative days/year | 90 cumulative days/year | 90 cumulative days/year | 90 cumulative days/year |
| Who can fulfill stay | Aged 50+: exempt from minimum stay. Aged 25-49: main applicant or one registered dependent | Aged 50+: exempt from minimum stay. Aged 25-49: main applicant or one registered dependent | Aged 50+: exempt from minimum stay. Aged 25-49: main applicant or one registered dependent | Aged 50+: exempt from minimum stay. Aged 21-49: main applicant or one registered dependent |
| Dependents | Spouse, children under 34, both parents | Spouse, children under 34, both parents | Spouse, children under 34, both parents | Spouse, children under 34, both parents |
| MM2H pass duration | 5 years | 15 years | 20 years | 10 years |
| Fixed Deposit | USD 150,000 | USD 500,000 | USD 1,000,000 | 21–49: USD 65K ≥50: USD 32K |
| Property Min. | Minimum RM600,000 | Minimum RM1,000,000 | Minimum RM2,000,000 | Subject to relevant state minimum property rules; direct developer purchase |
| Existing property | Can use an existing property for application | Can use an existing property for application | Can use an existing property for application | Must purchase Special Zone property before endorsement |
| Property purchase timing | Before endorsement or within 1 year after endorsement | Before endorsement or within 1 year after endorsement | Before endorsement or within 1 year after endorsement | Before endorsement |
| Property sale restriction | Cannot sell for 10 years; resale allowed for property upgrade | Cannot sell for 10 years; resale allowed for property upgrade | Cannot sell for 10 years; resale allowed for property upgrade | Cannot sell for 10 years; resale allowed for property upgrade |
| FD withdrawal | Up to 50% after spending, with vouchers and receipts | Up to 50% after spending, with vouchers and receipts | Up to 50% after spending, with vouchers and receipts | Up to 50% after spending, with vouchers and receipts |
| FD withdrawal uses | Property, education, medical, domestic tourism | Property, education, medical, domestic tourism | Property, education, medical, domestic tourism | Property, education, medical, domestic tourism |
| Property timing for FD withdrawal | Property bought within 2 years before MM2H visa approval, or any time after approval | Property bought within 2 years before MM2H visa approval, or any time after approval | Property bought within 2 years before MM2H visa approval, or any time after approval | Property bought within 6 months before MM2H visa approval |
| Participation fee | RM1,000 | RM3,000 | RM200,000 | RM1,000 |
| Renewal application fee | RM1,500 | RM3,000 | RM5,000 | RM300 |
| Processing fee | Main applicant RM5,000; each dependent RM2,500 | Main applicant RM5,000; each dependent RM2,500 | Main applicant RM5,000; each dependent RM2,500 | Main applicant RM5,000; each dependent RM2,500 |
| Business activity | Not allowed | Not allowed | Allowed | Not allowed |
| Work Rights | Not allowed | Not allowed | Allowed | Not allowed |
| Education | Children may study in Malaysia, including higher education | Children may study in Malaysia, including higher education | Children may study in Malaysia, including higher education | Children may study in Malaysia, including higher education |
| Medical | Long-term treatment in Malaysia | Long-term treatment in Malaysia | Long-term treatment in Malaysia | Long-term treatment in Malaysia |
| Agency fee shown on brochure | RM40,000 | RM55,000 | RM70,000 | RM40,000 |
Information is for general reference only and subject to the latest official MOTAC / OSC MM2H / Immigration announcements.
The Application Process
Profile Assessment
We assess your eligibility and recommend the optimal MM2H tier. Available via Zoom or in-person.
Document Preparation
We guide and advise on preparing all required documents: relationship documents, employment proof, bank statements, police clearance, and forms.
Application Submission
Complete dossier submitted to MOTAC OSC MM2H. We respond to additional requests on your behalf.
Conditional Approval Issue
MOTAC OSC MM2H issues a Conditional Approval Letter. WellHome then coordinates your Malaysia visit.
Endorsement
With FD, medical insurance, and medical check-up confirmed, MOTAC OSC MM2H completes the final endorsement and issues the MM2H pass, subject to official approval.
Related in-depth guides
Year-stamped factual breakdown: deposits, property, dependents, stay rule, application timeline.
Read full guideFive-filter decision framework with four worked examples (retirees, HK relocators, pre-retirees, SEZ owners).
Read full guideThe Johor–Singapore Special Economic Zone tier: USD 65K below 50 / USD 32K aged 50+, 10 years, Johor-anchored relocation and Singapore cross-border families.
Read full guideFrequently Asked Questions
Information is for general reference only and subject to the latest official MOTAC / OSC MM2H / Immigration announcements.
Not freely — the deposit is the financial anchor of your visa and largely stays in place. After approval, up to 50% may be withdrawn for approved purposes — property, your children's education, medical treatment, and domestic tourism — supported by vouchers and receipts. The balance remains locked for the life of the pass. Exact terms depend on your bank and the latest official conditions.
No. MM2H asks for a minimum of 90 cumulative days per calendar year, not full-time residence — and applicants aged 50 and above are exempt from the minimum stay altogether. For applicants aged 25–49 (21–49 for SEZ/SFZ Johor), the requirement can be met by either the main applicant or one registered dependant, which gives families real flexibility.
Yes. Across all four tiers you can register your spouse, children under 34, and both parents as dependants on your application.
The current tiers don't apply a fixed monthly offshore-income test. An income statement is still required, however, so the authorities can verify that an applicant has sufficient income — it forms part of the approval assessment. We confirm exactly which financial evidence your profile needs before you file.
Timing depends on document completeness and MOTAC OSC MM2H processing, so we don't promise a fixed date. In practice the file moves through five stages — profile assessment, document preparation, submission, a Conditional Approval Letter, then endorsement during a short visit to Malaysia. We prepare and coordinate each stage to avoid the delays that are within our control.
Yes. The programme was restructured into the current Silver, Gold, Platinum, and SEZ/SFZ Johor tiers, with revised deposit and property thresholds. Because the rules continue to evolve, treat any summary as general guidance and confirm the specifics against the latest official announcements before you commit.
It depends on the tier. Silver, Gold, and SEZ/SFZ Johor do not carry work or business rights. Platinum is the only tier that permits work and business activity — so if employment or running a company matters to you, Platinum is the route to discuss.
For applicants under 50, the 90-day stay is an important MM2H condition (applicants aged 50 and above are exempt). It is 90 days cumulative across the year — not 90 continuous days. Missing it can affect your compliance record and potentially your renewal or visa status, and the authorities may take action if programme terms aren't met. The best approach is to plan the days early in the year and keep your passport entry/exit records in order — which is exactly what we help families track.
Yes — each tier carries a minimum property purchase, from RM600,000 (Silver) to RM1,000,000 (Gold) and RM2,000,000 (Platinum). Standard tiers let you use a property you already own, and you can complete the purchase before endorsement or within one year after. SEZ/SFZ Johor requires buying within the Special Zone before endorsement. In all cases the property cannot be sold for 10 years (resale is allowed only to upgrade).
No. There is no in-place upgrade — moving to a higher tier requires a fresh MM2H application under that tier's requirements. We weigh this with you from the start so you choose the right tier first time.
MM2H is generally available to applicants of all nationalities, provided they meet the programme requirements and pass the required Malaysian government checks. Approval is not automatic and remains subject to the authorities' final decision.
MM2H is a renewable long-term social visit pass — it lets you live in and base your family from Malaysia, but it is not itself a work permit. Only the Platinum tier carries work and business rights; an Employment Pass is a separate, employer-sponsored route. We can map which one fits your plans.
Children's Education Advisory.
For families relocating to Malaysia, the quality of your children's education is vital. WellHome's education advisory service helps you find and enrol your children in the right school — and understand your rights under your residency visa.
Malaysia hosts 100+ international schools covering British, American, IB, and Australian curricula.
Guidance on Malaysia's 21 QS-ranked universities and twinning programmes.
We manage application timelines, entry assessment preparation, and fee comparisons.
Real Estate Advisory.
For MM2H applicants, property purchase is a mandatory requirement. Malaysia offers exceptional real estate value compared to regional hubs. WellHome connects you to top developers to help you make a smart investment.
Why Invest in Malaysia?
Exceptional Value
KL luxury condos start from RM 800/sqft — a fraction of the cost of Singapore or Hong Kong.
Strong Yields
Prime KL locations deliver gross rental yields of 4–6%.
Stable Framework
Foreign ownership is cleanly defined and title security is robust.
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