Malaysia My Second Home (MM2H) – 2025 Edition

Prepared by Asia Home Services (MM2H) Sdn. Bhd.

Table of Contents

1. 1. Property Related

2. 2. 90 Days Ruling

3. 3. Visa Duration Related

4. 4. Fixed Deposit (FD) Related

5. 5. Other

6. 6. SEZ / SFZ

7. 7. Passport Related

1.0 Property-Related Questions

Q1: If I decide not to renew my MM2H visa after 10 years, can I sell my property?
A: Yes, you can.

Q2: If I already own a property in Malaysia, do I still need to buy a new one after my MM2H approval?
A: No. As long as you already own a property under your MM2H application, that’s sufficient.

Q3: If I bought my property before applying for MM2H, can I withdraw 50% of my Fixed Deposit (FD)?
A: Yes, if the property was purchased within two years from the date of your visa endorsement.
Alternatively, you can withdraw only if you buy the property within one year after your MM2H approval.

Q4: Is there a time limit for purchasing a property?
A: Yes. You must purchase a property (under your name or jointly with approved family members) within one year from your approval date.
For SEZ/SFZ applicants, the visa will only be endorsed after you have purchased the property. You may buy the property up to six months before your approval date.

Q5: Can I buy land and build my own house?
A: No. Under MM2H, you can only buy completed properties — either new (first-hand) or subsale properties.
For SEZ applicants: only first-hand properties from developers are allowed.

Q6: What happens if the property I purchased becomes an abandoned project?
A: It will still be counted as a qualifying property under your MM2H application.

Q7: If I own more than one property, does the 10-year moratorium apply to all of them?
A: No. The moratorium applies only to the property you register with OSC under the MM2H program.

Q8: Do shop lots or factories count as qualifying properties?
A: No. Only residential properties are eligible.
(Commercial units classified under HDA, such as serviced apartments, are acceptable.)

Q9: Are both “Residential” and “Commercial” titled properties acceptable?
A: Yes. Properties with Residential titles or Commercial titles under HDA (e.g., serviced apartments) are allowed.

Q10: Must the property be under the Principal applicant’s name?
A: Not necessarily. As long as the Principal’s name appears on the Sale & Purchase Agreement (SPA) and the co-owner is a dependent listed under MM2H, it is acceptable.

Q11: What if the property I bought before applying for MM2H is jointly owned?
A: You may choose to remove one dependent’s name from the title if necessary.
(Details to be confirmed with your MM2H consultant or OSC.)

Q12: If I am in the Silver category and later upgrade to Gold or Platinum, do I need to buy a new property?
A: Yes, unless the value of your existing property already meets or exceeds the minimum price set for the higher category.

Q13: Can I buy an under-construction property?
A: Yes, you can.

Q14: Does this mean foreigners under MM2H can buy properties worth RM2 million / RM1 million / RM600,000 in Malaysia?
A: Not exactly. You must meet both the MM2H property value requirement and the minimum price threshold set by the local state government for foreign buyers — whichever is higher.

Q15: After my MM2H visa is endorsed, can I withdraw 50% of my FD immediately, or do I need to buy a property first?
A: You need to buy the property first. With your SPA and payment receipts, you can then apply to withdraw up to 50% of your FD.

Q16: Do I need to pay the full property price or at least more than 50% before I can withdraw my FD?
A: No. Once you’ve paid at least 10% during the signing of the SPA, you are eligible to apply for up to 50% FD withdrawal.

Q17: If I don’t buy a property and my MM2H visa is revoked, will I be blacklisted?
A: Yes. If you do not intend to buy a property, it’s best not to apply for MM2H.

Q18: When does the 10-year moratorium period start?
A:

• If you bought your property before MM2H approval: from the date of approval.

• If you purchased it after approval: from the date of your SPA.

Q19: How does MOTAC know if I haven’t bought a property within one year?
A: You are required to register your property with MOTAC within one year. Failure to do so may result in visa revocation.

Q20: If my property was purchased long ago, does it still count for MM2H?
A: Yes, there is no expiry date for property ownership — all qualifying properties are considered valid.

Q21: I bought my property before 2013 (when the foreigner threshold wasn’t enforced), and its price was RM300,000. Can I still use it for MM2H?
A: Yes, if you can provide a valuation report showing that its current value now meets the minimum threshold — RM600,000 (Silver), RM1 million (Gold), or RM2 million (Platinum).

Q22: Can I rent out the property purchased for MM2H?
A: Yes, if you are in the Platinum category. For other categories, you cannot rent out your MM2H-registered property — but you may rent out other properties not tied to MM2H.

2.0 90-Day Stay Requirement

Q1: If I don’t meet the 90-day stay requirement this year, can I make up the days next year?
A: No. You must stay in Malaysia for at least 90 days each calendar year.
It cannot be accumulated (e.g., 450 days over 5 years).
However, if you’re under 50 years old, your dependents can share the 90-day stay with you.
For applicants aged 50 and above, the 90-day rule does not apply.

Q2: If I applied for MM2H before turning 50, but later I turn 50, do my dependents still need to share the 90 days with me?
A: Once you reach 50 years old, the 90-day requirement no longer applies to you. You are no longer required to share stay days with your dependents.

Q3: For applicants below 49 years old, can the 90-day stay be shared only with dependents aged 25–49?
A: No. All dependents, regardless of age, can share the 90-day stay duration with the Principal applicant.

Important Note:
The 90-day stay rule applies only to the Principal applicant aged 25 to 49.
It does not apply to any dependents or to Principals aged 50 and above.

Q4: When does the 90-day count start?
A: The count is based on the calendar year (from 1 January to 31 December).
If your visa starts mid-year, the days are calculated on a pro-rata basis.

Q5: Can the Principal stay 450 days over 5 years instead of 90 days each year?
A: No. The stay requirement is 90 days per year, not cumulative.

Q6: If I enter and exit Malaysia on the same day, does that count as one day of stay?
A: Yes, it counts as one day.

Q7: Does staying in Sabah or Sarawak count toward the 90-day requirement?
A: Yes, any stay within Malaysia — including Sabah and Sarawak — counts toward your 90-day stay requirement.

✅ Summary:

• The 90-day rule applies to Principals aged 25–49.

• Dependents can share the 90 days.

• Principals aged 50 and above are exempt.

• Stay days are counted per calendar year (Jan–Dec).

3.0 Visa Duration

Q1: What is the duration of the MM2H visa for SEZ, Silver, Gold, and Platinum categories?
A: Each category is granted a visa for up to 5 years at a time (renewable).

• Platinum: Terms and conditions remain unchanged for 20 years.

• Gold: Validity framework remains unchanged for 15 years.

• Silver: Validity framework remains unchanged for 5 years.

• SEZ: Validity framework remains unchanged for 10 years.

You may continue renewing your visa as long as you meet the requirements.

Q2: If I apply for MM2H before buying a property, will I only get a 1-year visa first?
A: No. You will still receive a 5-year visa upon approval.
However, if you fail to register your property with OSC within one year, your visa may be revoked.

Q3: Since every category receives a 5-year visa, what’s the difference between them?
A: The difference lies in the validity of the program’s terms and conditions:

• Platinum: Your MM2H contract terms remain the same for 20 years.

• Gold: Terms remain the same for 15 years.

• Silver: Terms remain the same for 5 years.

This means your visa can be renewed without being affected by new policy changes within that time frame.

✅ Summary:

• All categories receive 5 years per visa (renewable).

• Each tier secures longer policy stability (Silver 5 years, Gold 15, Platinum 20).

• Failure to buy and register property within 1 year may lead to revocation.

4.0 Fixed Deposit (FD) Related Questions

Q1: Should my Fixed Deposit (FD) be in USD or MYR?
A: You can choose either currency — USD or MYR — depending on your preference and the bank’s facility.

Q2: When can I apply to withdraw part of my FD?
A: You can apply for withdrawal after your MM2H visa is endorsed.
However, you must first purchase a qualifying property and provide supporting documents such as your Sale and Purchase Agreement (SPA) and payment receipts.

Q3: Do I need to buy a property first before applying for FD withdrawal?
A: Yes. You must purchase a property first.
Once you have your SPA and proof of payment, you may apply to withdraw up to 50% of your FD.

Q4: Can my bank account be under joint names?
A: Yes, but one of the account holders must be the Principal applicant, and the other must be a Dependent listed under your MM2H application.

Q5: If I used my old property (bought many years ago) to register with MOTAC and didn’t withdraw my FD, can I buy another property later and apply for FD withdrawal?
A: Yes. If you buy another property (within or after one year), you can re-register this new property with MOTAC and apply to withdraw up to 50% of your FD.

✅ Summary:

• FD can be in MYR or USD.

• FD withdrawal (up to 50%) is only allowed after visa endorsement and property purchase.

• Joint bank accounts are allowed (Principal + Dependent).

• You can re-register a new property later to qualify for FD withdrawal.

5.0 Other Common Questions

Q1: If I apply under the Platinum category, can my dependents work, invest, or run a business in Malaysia?
A: No. Only the Principal applicant is allowed to do so under the Platinum category.

Q2: Can Silver or Gold participants set up or invest in a company?
A: No, not directly. However, you may apply to the One Stop Centre (OSC) for approval on a case-by-case basis.

Q3: What is the difference between the PVIP and MM2H Platinum programs?

CriteriaPVIPMM2H PlatinumParticipation FeeRM200,000 (Principal) + RM100,000 per DependentRM200,000 (Principal) / Free for DependentsMinimum Property ValueRM1 millionRM2 million90-Day Stay RequirementNot requiredRequired (can be shared with Dependents)Minimum Income ProofRM40,000 net per monthNot requiredOffshore Liquid AssetsRM1.5 millionNot requiredBank StatementRequiredNot required

Q4: If I am an existing MM2H holder (from a previous batch), do I need to follow the new rules when I renew my visa?
A: Legally, yes. However, in practice, most renewals are still based on the old rules for existing MM2H holders.

Q5: When I renew my passport, do I need to pay RM40,000 again to transfer my MM2H visa to the new passport?
A: No. The transfer fee may vary depending on your agent, but the official participation fee does not need to be repaid.

Q6: Can I get a list of hospitals or clinics for my medical screening?
A: Not yet. You may undergo your medical check-up at any hospital or clinic for now.
The government will appoint official hospitals and clinics in the future.

Q7: If I already have medical insurance from my home country, do I still need to buy a Malaysian policy?
A: No, as long as your international insurance covers Malaysia.
Please confirm this with your insurer.

Q8: Can Silver or Gold participants invest in stocks or other financial products in Malaysia (e.g., KLSE)?
A: No, you cannot invest without prior approval from the OSC.

Q9: How does the OSC monitor if applicants invest in Malaysian stocks?
A: Currently, there is no formal monitoring mechanism for this.

Q10: How long is the validity of documents authenticated by the Malaysian High Commission abroad?
A:

• Letter of Good Conduct (LOGC), Police Clearance Certificate, and Marriage Certificate: 6 months

• Birth Certificate or Kinship Certificate: No expiry date

Q11: Do I need to do my medical check-up (MF1) in my home country, or can it be done where I live now?
A: The MF1 pre-application medical check-up is no longer required.
You only need to complete MF2 (after approval) in Malaysia.

Q12: Can people holding diplomatic passports or travel documents apply for MM2H?
A: No. Only ordinary passport holders are eligible to apply.

Q13: If I already own a company or hold shares in Malaysia, can I still apply for MM2H under a non-Platinum category?
A: No. You must relinquish your shares or company ownership before applying for MM2H (unless applying for the Platinum category).

Q14: How long does MM2H processing take?
A: The average processing time is around 30 working days, provided all documents are complete.

Q15: Will MM2H holders receive a special identity card so they don’t need to carry their passports?
A: The government is considering this, but no timeline has been announced yet.

Q16: What happens if the Principal passes away, and the MM2H status is transferred to the Next-of-Kin, who later also passes away?
A: This situation will be reviewed case by case by MOTAC. Your agent can assist with guidance.

Q17: Where should children aged 25–34 declare their Statutory Declaration (SD)?
A: Once your application is approved, your children can declare the SD in Malaysia.

Q18: Do English versions of the Certificate of Good Conduct, Marriage Certificate, or Birth Certificate need double notarization?
A: If the documents are in English and original, they do not need certification from the Malaysian High Commission.
However, Immigration may request further verification if they suspect the document’s authenticity.

Q19: If my MM2H application is rejected, can I appeal?
A: Yes. You can submit an appeal directly to OSC or KDN (Ministry of Home Affairs).

Q20: If I don’t live in my country of origin, can I still use a Letter of Good Conduct (LOGC) from my home country?
A: Yes, you may.

✅ Summary:

• Platinum allows only the Principal to work/invest.

• Silver/Gold require OSC approval for business or investment.

• Existing MM2H holders generally renew under old rules.

• Medical insurance can be international if it covers Malaysia.

• Legalized documents have a 6-month validity (except birth/kinship).

• MF1 medical check-up is no longer required.

6.0 SEZ / SFZ (Special Economic Zone / Special Financial Zone)

Q1: Where are the SEZ or SFZ locations?
A: At present, Forest City is the only location that qualifies as an SEZ under the MM2H program.

Q2: If I apply under SEZ, can I live elsewhere in Peninsular Malaysia?
A: Yes, you may live anywhere in Malaysia.
However, you must purchase a first-hand property within the SEZ area (e.g., Forest City) to qualify for the SEZ program.

Q3: If I already hold another visa, such as a student, guardian, or work visa, do I need to cancel it before applying for MM2H?
A: Not immediately. You may apply for MM2H first. Once your application is approved, you will then need to cancel your existing visa.
(This rule applies only during the manual submission period.)

Q4: My child was born in Malaysia. Does that affect the MM2H application process?
A: Yes, there are slight changes to the application process. Please inform your agent or the Immigration Department before submission so the correct steps can be followed.

Q5: When it’s time to renew my MM2H in five years, what documents do I need to prepare?
A: You will need to provide:

1. Your Bank Lien Letter

2. A Medical Check-Up Report (MF2)

3. Proof of Valid Health Insurance

Q6: When can I start the renewal process for my MM2H visa?
A: You may start your renewal three months before expiry or within six months after the expiry date.

Q7: Does the Permission to Study (for dependents) need to be renewed every year?
A: No. The permission is valid for the entire duration of primary or secondary school, as long as the child does not change schools midway.

Q8: Where will the interview be conducted, and is an interpreter available?
A: Interviews are held at MOTAC.
No interpreter will be provided, but the officers will try to assist in finding someone who speaks your language.
Please note that agents are not allowed to attend the interview.

Q9: The Conditional Approval Letter is valid for 90 days. Can I request an extension?
A: Yes, an extension may be granted for another 90 days if you have a valid reason.

✅ Summary:

• Forest City is currently the only approved SEZ.

• You may live elsewhere but must buy a first-hand SEZ property.

• Existing visa holders can apply for MM2H first, then cancel old visas after approval.

• Renewal requires a bank lien letter, medical report, and valid insurance.

• Conditional Approval Letters can be extended with justification.6. SEZ / SFZ

1. 1. Where is SEZ / SFZ?

7.0 Passport-Related Questions

Q1: If my passport is expiring soon, should I renew it before or after I apply for MM2H?
A: It’s best to renew your passport first before submitting your MM2H application.
This ensures your visa validity matches your passport’s full duration.

Q2: What happens if my passport expires after I’ve already received my MM2H visa?
A: You’ll need to transfer your visa to your new passport.
You can do this through your appointed agent or directly at the Immigration Department.

Q3: Do I need to pay the participation fee again when I transfer my visa to a new passport?
A: No. The participation fee (RM40,000) is a one-time payment only.
You only need to pay a small processing or service fee for the transfer.

Q4: Can I hold dual passports when applying for MM2H?
A: No. Only one valid passport is allowed for the MM2H application.
All supporting documents must match the same passport.

Q5: Can my dependents use different passports from different countries?
A: Yes, dependents may hold passports from different countries, as long as proper documentation (such as marriage or birth certificates) is provided to prove family relationships.

Q6: My child is included in my MM2H application. When they turn 21, what happens to their visa?
A: When your child turns 21, they can no longer remain as a dependent.
They must either:

1. Apply for their own MM2H visa, or

2. Request a Special Pass to stay temporarily while their new application is being processed.

✅ Summary:

• Always renew your passport before applying for MM2H if possible.

• Visa transfers to a new passport are simple and don’t require new participation fees.

• Only one valid passport can be used per applicant.

• Dependents can have different nationalities.

• Children turning 21 must apply for their own MM2H visa.