Malaysia My Second Home (MM2H) Program: Process & Complete Guidelines
The Malaysia My Second Home (MM2H) program allows foreign nationals to live in Malaysia for an extended period under a renewable multiple-entry visa. This program is ideal for retirees, investors, and those who wish to stay in Malaysia for the long term.
1. MM2H Eligibility Criteria
The MM2H program is open to individuals who meet financial and other requirements. The eligibility criteria depend on the applicant’s age group:
A. General Criteria
✅ Must be at least 35 years old.
✅ Pass security vetting and have no criminal record.
✅ Have valid medical insurance in Malaysia.
✅ Must reside in Malaysia for at least 90 days per year.
B. Financial Requirements (As of Latest Guidelines)
The financial requirements vary based on age:
| Age Group | Offshore Monthly Income | Liquid Assets (Minimum) | Fixed Deposit (FD) in Malaysia |
|---|---|---|---|
| 35 – 49 years | RM 40,000 | RM 1.5 million | RM 1 million |
| 50+ years | RM 40,000 | RM 1.5 million | RM 1 million |
Notes:
- You can withdraw up to 50% of the Fixed Deposit for approved expenses (property purchase, medical costs, education, etc.).
- Fixed deposits must be maintained throughout your stay in Malaysia.
2. MM2H Application Process
Step 1: Prepare Required Documents
Copy of passport (all pages).
Passport-sized photos.
Proof of financial status:
- Bank statements (last 3-6 months).
- Proof of income (salary slips, pension, business earnings).
Medical report from a certified doctor.
Personal bond (RM 2,000 – RM 2,500, varies by nationality).
No criminal record certificate from your home country.
Medical insurance coverage valid in Malaysia.
Step 2: Submit the MM2H Application
- Applications are submitted online via Malaysia My Second Home (MM2H) Centre under the Ministry of Tourism, Arts, and Culture Malaysia (MOTAC).
- You can apply individually or through a licensed agent.
Step 3: Application Processing & Approval
- The approval process takes 60 – 90 days.
- The Immigration Department will issue a Conditional Approval Letter if successful.
Step 4: Fulfill Financial Commitments in Malaysia
Upon receiving the Conditional Approval Letter, you must:
✅ Open a Fixed Deposit (FD) account in Malaysia.
✅ Purchase medical insurance from a Malaysian provider.
✅ Undergo a medical check-up at a registered clinic.
Step 5: Receive MM2H Visa (Social Visit Pass)
- Submit proof of meeting financial requirements.
- Pay the MM2H Visa Fee (RM 500 per year).
- Your multiple-entry MM2H Visa (valid for 5 years, renewable) will be issued.
3. MM2H Visa Benefits
Long-Term Stay: MM2H visa is valid for 5 years and renewable.
Multiple-Entry Visa: No restrictions on travel in and out of Malaysia.
Dependents Allowed: You can bring your spouse, children (under 21), and parents (above 60).
Property Ownership: MM2H holders can buy property (minimum RM 1 million per property in most states).
Tax Advantages: No tax on foreign income or offshore pension funds.
Education & Business: MM2H holders can enroll children in Malaysian schools and start a business (with conditions).
Domestic Helper: Eligible to hire a maid (subject to approval).
4. Future of MM2H Program
The MM2H program has undergone several revisions in financial requirements and conditions. The future of the program is expected to focus on:
✅ Attracting higher-income applicants for economic growth.
✅ More investment-friendly policies for property buyers and investors.
✅ Increased focus on high-net-worth individuals and digital nomads.
5. Alternatives to MM2H
If MM2H does not suit your needs, consider:
Sarawak MM2H (S-MM2H) – More flexible requirements, lower financial thresholds.
Malaysia Premium Visa Program (PVIP) – Offers 20-year visa for wealthy individuals and investors.
Employment & Business Visas – For those seeking work or business opportunities.
Need Help?
Would you like assistance in selecting the best MM2H alternative or details on a specific state’s property rules?