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The Malaysia My Second Home (MM2H) programme now operates as a 3-tier system: Silver, Gold, and Platinum categories. Each tier offers different visa durations, financial requirements, and benefits. All applicants must be aged 25 and above, from countries with diplomatic relations with Malaysia.
Quick Comparison:
All tiers require mandatory property purchase with a 10-year lock-in period, and applications must be submitted through licensed MM2H agents only.
The new MM2H system eliminates offshore income and liquid assets requirements. Financial obligations are now simplified to fixed deposits and mandatory property purchase:
Fixed deposits must be placed within 90 days of approval in any licensed Malaysian bank. Participation fees are one-time payments for the principal applicant only.
After visa endorsement, participants can withdraw up to 50% of their fixed deposit for approved purposes: property purchase, children's education expenses, medical treatment, and domestic travel within Malaysia.
Withdrawals must be conducted within Malaysia and require prior approval from MM2H Centre with proper documentation. The remaining 50% must be maintained until programme termination.
Property purchase is now mandatory for all MM2H tiers to demonstrate genuine commitment to Malaysia as a second home. Minimum property values are: Silver (RM600,000), Gold (RM1,000,000), and Platinum (RM2,000,000).
Properties must be residential and purchased within Peninsula Malaysia only - East Malaysia properties don't qualify. The property must be purchased after MM2H approval and comes with a 10-year lock-in period where selling is prohibited unless leaving the programme.
MM2H-SEZ is a separate program specifically for Forest City development in Johor Bahru, offering lower financial requirements:
This program has lower entry barriers but restricts property to Forest City development only. Learn more about SEZ โ
MM2H allows you to include the following family members as dependents:
Important: All dependents' visas will have the same validity period as the principal applicant. Dependents require separate documentation including passports, medical examinations, insurance (if under 60), and certificates of good conduct (if 18+). No additional participation fees for dependentsโonly processing fees apply.
Current processing times are approximately 6-12 months from complete submission to conditional approval. Factors causing delays include:
The endorsement phase (after conditional approval) typically takes 1-3 months, including medical examinations, FD placement, and visa stamping. View detailed timeline โ
Health insurance is mandatory for all MM2H participants aged below 60 years. The insurance must be from Malaysian-licensed companies and cannot be international or foreign policies.
While there's no official minimum coverage amount specified, most insurers offer MM2H-specific packages starting from RM100,000 coverage. The insurance must cover hospitalization and surgical expenses at minimum.
MM2H participants aged 25-49 must spend 90 cumulative days per year in Peninsula Malaysia. This requirement can be fulfilled by either the principal applicant or their dependents.
Compliance is monitored through immigration entry/exit records. The 90-day requirement is calculated annually and cannot be accumulated across multiple years. Participants aged 50+ are exempt from this requirement.
Yes! Platinum tier participants have work and business rights in Malaysia. They can engage in business, investment, or employment activities.
Platinum holders are subject to standard Malaysian tax obligations on their local income. Corporate tax rates range from 17-24% depending on company size and income levels. Personal income tax rates are progressive (0-30%).
Silver and Gold tier holders do NOT have work rights.
All MM2H visas are renewable every 5 years. Government renewal fees vary by tier:
Important: The renewal fee covers the principal applicant and all dependents. There is no separate fee required per dependent.
Renewal is subject to continued compliance with program requirements including maintaining fixed deposit and property ownership.
โ ๏ธ Important: Properties purchased under MM2H are subject to a 10-year lock-in period. You cannot sell the property for 10 years from the date your visa is first issued.
You may sell your property before 10 years ONLY if you are upgrading to a higher-value property:
โ ๏ธ Warning: Selling your property within 10 years without approval will result in immediate revocation of your MM2H visa.
Timeline: The 10-year lock-in period starts from your first MM2H visa endorsement date, not from the property purchase date.
MM2H participants enjoy significant tax advantages in Malaysia:
Tax Residency: If you spend 182+ days per year in Malaysia, you become a tax resident. However, this does NOT eliminate the offshore income exemption - you still enjoy tax-free remittance of foreign income.
๐ก Recommendation: Consult with a Malaysian tax advisor to optimize your tax situation based on your specific circumstances. We can connect you with certified tax consultants specializing in MM2H taxation.
Yes, it is mandatory. The Malaysian government requires all MM2H applications to be submitted through a licensed MM2H agent. Individual applications are not accepted.
We hold License MM2H 1069 issued by MOTAC (Ministry of Tourism, Arts and Culture), and are registered with SSM (202101025050 / 1425350-K).
Why use a licensed agent? We handle all documentation, liaise with immigration authorities, guide you through property purchase, assist with bank account opening, and ensure compliance with all MM2H requirements.
The fixed deposit must be in USD (United States Dollars) or equivalent Malaysian Ringgit (MYR) at the prevailing exchange rate at the time of deposit.
Important: The fixed deposit must be placed in a Malaysian bank. You cannot use your home country bank. We assist with opening accounts at major Malaysian banks (Maybank, CIMB, Public Bank, RHB) upon approval.
Exchange Rate Risk: If placing in MYR, be aware of currency fluctuation risks. Most applicants choose USD to minimize exchange rate exposure.
Complete transparency on all government fees, agent charges, and third-party costs for your MM2H application.
Government fees are paid directly to Malaysian authorities (MOTAC and Immigration Department). These fees are mandatory for all applicants:
| Tier | Participation Fee |
|---|---|
| Silver (5 Years) | RM 1,000 |
| Gold (15 Years) | RM 3,000 |
| Platinum (20 Years) | RM 200,000 |
| SEZ Forest City (10 Years) | RM 1,000 |
| Tier | Renewal Fee |
|---|---|
| Silver | RM 1,500 |
| Gold | RM 3,000 |
| Platinum | RM 5,000 |
| SEZ Forest City | RM 300 |
๐ก Note: Government fees are for the principal applicant only. Dependents (spouse, children, parents) do NOT pay additional participation or renewal fees.
โ ๏ธ Non-Refundable: Government fees are non-refundable once your application is submitted, regardless of approval outcome.
MCS professional service fees are paid to our agency for comprehensive MM2H application support. Our fees are fully transparent and all-inclusive:
| Tier | MCS Agent Fee |
|---|---|
| Silver (5 Years) | RM 40,000 |
| Gold (15 Years) | RM 55,000 |
| Platinum (20 Years) | RM 70,000 |
| SEZ Forest City (10 Years) | RM 35,000 |
Standard Payment Schedule:
๐ก Flexible Options Available: We offer payment plans for qualified clients and family package discounts for multiple applicants. Referral bonuses available for existing clients.
Third-party costs are fees you pay directly to external providers (not to the government or MCS). These are required expenses for your MM2H application:
| Cost Category | Estimated Range |
|---|---|
| Medical Insurance | RM 3,000 - 8,000 |
| Medical Examination | RM 500 - 1,000 |
| Police Clearance | USD 20 - 100 |
| Document Translation | RM 500 - 2,000 |
| Property Legal Fees | RM 18,000 - 30,000 |
| Bank Processing | RM 200 - 500 |
| TOTAL | RM 22,000 - 60,000 |
โ ๏ธ Variables: Actual costs vary based on your family size, property value, home country requirements, and insurance coverage level. These estimates are for principal applicant + spouse.
No, the fixed deposit is NOT a fee. It is a refundable investment that remains your money throughout the MM2H programme.
1. Fully Refundable
You can withdraw 100% of your fixed deposit when you terminate your MM2H visa or leave the programme. It's YOUR money, not a government fee.
2. Earns Tax-Free Interest
Your fixed deposit earns annual interest (typically 2-4% depending on bank and term). All interest earned is 100% tax-free for MM2H holders.
3. 50% Withdrawable for Approved Purposes
After visa endorsement, you can withdraw up to 50% of the fixed deposit for:
The remaining 50% must be maintained until programme termination.
4. Fully Withdrawable Upon Termination
When you decide to leave the MM2H programme or upon visa expiry without renewal, you receive 100% of your fixed deposit back plus any accrued interest.
The fixed deposit serves as a financial guarantee to the Malaysian government that you can support yourself during your stay. It demonstrates financial stability but remains YOUR asset.
Example: If you place USD 150,000 fixed deposit at 3% annual interest, you earn USD 4,500/year tax-free. Over 5 years, that's USD 22,500 in passive income while maintaining full access to your principal amount.
Here's a complete breakdown of Silver Tier (5-Year Visa) costs to give you a clear picture of actual expenses versus investments:
| Investment Type | Amount | Status |
|---|---|---|
| Fixed Deposit | USD 150,000 (~RM 675,000) | Refundable |
| Property Purchase | RM 600,000 | Asset Ownership |
| TOTAL INVESTMENT | ~RM 1,275,000 | You keep it all |
| Cost Category | Amount |
|---|---|
| Government Participation Fee | RM 1,000 |
| Government Renewal Fee (Year 5) | RM 1,500 |
| MCS Agent Fee | RM 40,000 |
| Third-Party Costs (medical, legal, documents) | RM 22,000 - 60,000 |
| TOTAL OUT-OF-POCKET (5 YEARS) | RM 65,000 - 103,000 |
Total Investment (You Keep)
~RM 1,275,000
Refundable FD + Property Asset
Total Actual Cost (5 Years)
RM 65,000 - 103,000
Government + Agent + Third-Party Fees
Annual Cost (Averaged)
RM 13,000 - 20,600/year
For long-term Malaysian residency
๐ก Value Perspective:
For RM 13,000-20,600 per year, you gain 5 years of Malaysian residency with tax-free offshore income, property ownership, quality healthcare access, family inclusion, and potential property appreciation.
Good news! The Malaysian government does NOT charge additional participation or renewal fees for dependents. However, some third-party costs multiply per person.
The following costs are charged per individual dependent:
| Cost Type | Principal | +3 Dependents | Total |
|---|---|---|---|
| Government Fees | RM 2,500 | RM 0 | RM 2,500 |
| MCS Agent Fee | RM 40,000 | RM 0 | RM 40,000 |
| Medical Exam (ร4) | RM 750 | RM 2,250 | RM 3,000 |
| Medical Insurance (ร2 adults under 60) | RM 5,000 | RM 5,000 | RM 10,000 |
| Police Clearance (ร2 adults) | USD 60 | USD 60 | USD 120 |
| Other Third-Party | Shared costs (property legal, documents) | RM 20,000 | |
โ Family-Friendly Advantage: Adding family members to your MM2H application is highly cost-effective since government and agent fees don't increase. Only per-person medical and documentation costs apply.
MCS agent fees are standardized and transparent for each tier. However, we offer flexible payment options and special packages:
1. Payment Plans Available
Installment options for qualified clients (subject to credit assessment)
2. Family Package Discounts
Special rates when multiple family members apply for separate MM2H visas (e.g., adult siblings, multi-generational applications)
3. Referral Bonuses
Existing clients receive referral incentives when they recommend new applicants
4. Property Purchase Package
Bundled discounts when combining MM2H application + property search service
โ ๏ธ Warning: Beware of Ultra-Low-Fee Agents
Agents charging significantly below market rates (under RM 30,000) often cut corners, provide minimal support, or add hidden fees later. MM2H is a complex long-term commitment - proper professional guidance is essential.
๐ Contact us for a personalized quote: We can discuss payment plans, family packages, and bundled services tailored to your situation.
MCS maintains a clear and fair refund policy to protect our clients while ensuring quality service delivery:
Participation fees paid to the Malaysian government are NON-REFUNDABLE regardless of application outcome. This is standard government policy, not an MCS decision.
Scenario 1: Rejection Due to MCS Documentation Error
If your application is rejected because of errors or omissions in documentation prepared by MCS:
We take full responsibility for our work quality and will refund the second installment if rejection is our fault.
Scenario 2: Rejection Due to Client Circumstances
If your application is rejected because:
NO REFUND - Both payments are non-refundable
MCS has fulfilled our professional obligations. Rejection due to client circumstances or external factors is not covered.
Scenario 3: Client Withdraws Before Submission
If you decide to cancel your application before we submit to MOTAC:
We charge only for services rendered up to cancellation point.
The best refund policy is not needing one. Our 98% approval rate means we thoroughly vet applications during the initial consultation. If we believe your case has approval risks, we'll tell you upfront before you commit.
We won't accept your application if we don't believe it will succeed.
๐ก Fair Advice Promise: During your free initial consultation, we'll honestly assess your eligibility. If we see red flags, we'll advise against proceeding rather than take your money knowing rejection is likely. Your trust matters more than a single fee.
๐ Questions about our refund policy? Contact us for a detailed discussion. We believe in complete transparency before you commit.
Yes, but with conditions. You may use existing property IF:
โ ๏ธ Important Exception: For SEZ Forest City program, you MUST purchase a NEW unit directly from the Forest City developer. Existing properties or sub-sales are NOT accepted for SEZ tier.
This is a grey area. Working remotely for an overseas employer while residing in Malaysia under MM2H is not explicitly prohibited for Silver/Gold/SEZ tiers, but it's not officially encouraged either.
Safest Approach: If you need to work regularly (even remotely), consider applying for the Platinum tier which explicitly allows work rights and business activities in Malaysia.
Official Stance:
Only Platinum tier holders are allowed to bring in a foreign maid/domestic helper from their home country.
Alternative: Silver, Gold, and SEZ holders can hire local Malaysian part-time cleaners or housekeepers through agencies. Many MM2H participants use this option successfully.
Note: This policy is currently under review by MOTAC and may change in future updates.
Not initially. The application can be prepared and submitted while you're in your home country. However, you MUST come to Malaysia for:
Expected Trips: Most applicants make 1-2 trips to Malaysia during the entire process (3-8 months timeline). We coordinate all appointments to minimize your travel.
Our agency maintains a 98% approval rate for complete and properly documented applications.
Common Reasons for the rare rejections:
Our Commitment: We thoroughly vet all applications before submission to ensure maximum approval chances. We won't accept cases we don't believe will succeed.
Yes. MM2H participants are eligible for tax exemption on importing one vehicle from their home country.
Requirements & Conditions:
โ ๏ธ Alternative: Many MM2H holders find it more practical to purchase a local car in Malaysia rather than importing, as Malaysian car prices (especially for Asian brands like Toyota, Honda, Perodua) are competitive.
We can assist with the import application process if you choose to bring your vehicle.
Good news! If you received approval before the 2021 MM2H changes, you are grandfathered under your original terms when renewing.
What this means:
Protected Status: Existing MM2H holders are fully protected and can renew indefinitely under their original approval conditions. This is confirmed policy from MOTAC.
If you're an existing MM2H holder needing renewal assistance, we can help navigate your original tier requirements.
MM2H and PR are two distinct immigration pathways with different benefits and requirements:
| Feature | MM2H | PR |
|---|---|---|
| Duration | 5-20 years (renewable) | Indefinite |
| Work Rights | Platinum only | Yes, all categories |
| Property Requirement | Mandatory (RM 600K-2M) | Not mandatory |
| Fixed Deposit | Required (USD 150K-1M) | Not required |
| Processing Time | 3-8 months | 12-24+ months |
| Approval Difficulty | Moderate (financial-based) | Very difficult (merit-based) |
| Pathway to Citizenship | โ No | โ Possible (after 10+ years) |
Important Note: MM2H no longer provides a pathway to PR or citizenship. If your ultimate goal is citizenship, you'll need to pursue PR separately (which is granted sparingly based on merit, skills, or long-term contributions to Malaysia).
Our licensed consultants are here to provide personalized answers to your specific situation.