Malaysia Long-Term Stay, Retirement & Residency Programme
Updated: 20 March 2026
Malaysia My Second Home, commonly known as MM2H, is a long-term visa programme that allows eligible foreigners to live in Malaysia for an extended period. It is suitable for retirees, investors, remote workers, families, and individuals who wish to make Malaysia their second home or long-term residence.
The MM2H visa Malaysia programme was first introduced in 2002. It is currently managed by the Ministry of Tourism, Arts and Culture Malaysia (MOTAC) together with the Malaysian Immigration Department.
Through the MM2H programme, successful applicants may stay in Malaysia long term and bring eligible dependents, including spouse, unmarried children, adopted children, stepchildren, disabled children, parents, and parents-in-law, subject to the latest MM2H terms and conditions.
What is Malaysia My Second Home Visa?
The Malaysia My Second Home visa is a renewable long-term social visit pass designed for foreigners who want to stay in Malaysia for a longer period compared with a normal tourist visa.
Unlike short-term tourist entry, MM2H provides greater stability for those who plan to live, retire, invest, or spend more time in Malaysia.
The current MM2H categories include:
- Platinum MM2H
- Gold MM2H
- Silver MM2H
- SEZ / SFZ MM2H
The minimum age is generally 25 years old for Platinum, Gold, and Silver categories, while the SEZ / SFZ MM2H programme may allow applicants from 21 years old, subject to the latest official requirements.
Why Apply for MM2H Malaysia?
A tourist visa only allows short-term stays in Malaysia. For many foreigners, repeated entry and exit, commonly known as “visa runs”, can be inconvenient, costly, and risky.
If you are planning to stay in Malaysia long term, the MM2H visa offers a more stable and proper pathway.
MM2H is especially suitable for:
- Foreigners planning to retire in Malaysia
- Families relocating to Malaysia
- Investors purchasing property in Malaysia
- Remote workers who want Malaysia as a long-term base
- Expatriates who wish to remain in Malaysia after employment
- Parents who want to accompany children studying in Malaysia
- Individuals seeking a safe, affordable, and English-friendly country in Southeast Asia
Key Benefits of MM2H Visa Malaysia
The MM2H programme provides several important benefits for long-term residents.
Participants may enjoy:
- Long-term stay in Malaysia
- Renewable visa status
- Ability to include eligible dependents
- Compulsory to purchase residential property in Malaysia
- Access to Malaysia’s healthcare system
- Ability to open bank accounts and place fixed deposits
- More stability compared with short-term visas
- Suitable pathway for retirement and long-term relocation
Funds remitted into Malaysia are generally not taxed in Malaysia, subject to applicable tax rules and the source country’s tax obligations.
For applicants looking for a long-term Malaysia residency solution, MM2H remains one of the most established visa programmes available.
MM2H Requirements 2026
The MM2H requirements vary depending on the selected category. In general, applicants must meet requirements involving:
- Minimum age
- Fixed deposit placement
- Property purchase
- Financial strength
- Monthly income or financial sustenance
- Medical report
- Medical insurance, if applicable
- Letter of good conduct / no criminal record
- Valid passport
- Supporting family documents for dependents
Applicants must also show sufficient financial ability to support their stay in Malaysia.
General MM2H Conditions
Under the current MM2H framework, property purchase is compulsory for most categories. The property must usually be held for a minimum period, and applicants must comply with the latest MOTAC requirements.
General conditions may include:
- Purchase of residential property in Malaysia
- Placement of MM2H fixed deposit
- Medical check-up in Malaysia
- Medical insurance for applicants below the required age threshold
- Submission of source of income and financial documents
- Compliance with minimum stay requirement, where applicable
- Use of a licensed MM2H agent or sponsor
Digital assets such as cryptocurrency, Bitcoin, tokens, or similar instruments are generally not accepted as proof of financial strength.
MM2H Financial Strength and Monthly Income
Meeting the fixed deposit amount alone may not be sufficient. Applicants must also demonstrate suitable financial strength and monthly sustenance.
Financial strength may include:
- Cash savings
- Bank deposits
- Fixed deposits
- Investment portfolios
- Pension funds
- Retirement accounts
- Government bonds
- Other liquid financial assets
Monthly sustenance may include:
- Salary
- Pension income
- Rental income
- Investment income
- Savings drawdown
- Other recurring income sources
Each applicant’s financial background is different. STF Revenue (MM2H) can review your situation and advise whether your profile is suitable for MM2H application.
MM2H Categories in Malaysia
Platinum MM2H
The Platinum MM2H category is designed for high-net-worth applicants who require greater flexibility.
Key features may include:
- Long-term visa validity
- Higher fixed deposit requirement
- Higher property purchase requirement
- Government participation fee
- May allow business, investment, or work-related privileges, subject to approval
Gold MM2H
The Gold MM2H category is suitable for applicants with stronger financial capacity who want a longer visa duration compared with Silver.
Key features may include:
- Long-term visa validity
- Fixed deposit requirement
- Residential property purchase requirement
- Government participation fee
- Renewable subject to prevailing terms
Silver MM2H
The Silver MM2H category is commonly considered by applicants who want a more accessible long-term stay option in Malaysia.
Key features may include:
- Renewable long-term visa
- Lower fixed deposit requirement compared with Gold and Platinum
- Residential property purchase requirement
- Suitable for retirees and long-term residents
SEZ / SFZ MM2H
The SEZ / SFZ MM2H category is designed for applicants interested in specific special economic zone arrangements, including approved locations such as Forest City, subject to the latest government rules.
Key features may include:
- Lower fixed deposit requirement
- Specific property purchase condition
- Minimum age may differ from other MM2H categories
- Visa endorsement subject to fulfilling all required conditions
Is Property Purchase Compulsory for MM2H?
Yes, under the current MM2H framework, property purchase is generally a key requirement.
Applicants must purchase an eligible residential property that meets the required value for the chosen MM2H category. The property must normally be held for a specified period, unless the applicant upgrades to a higher-value property or cancels the visa.
Property planning is one of the most important parts of the MM2H process. Buying the wrong property or misunderstanding the timeline may cause unnecessary cost, delay, or compliance issues.
STF Revenue (MM2H) can guide applicants through the property requirement, timing, documentation, and submission process.
Documents Required for MM2H Application
Common documents required for MM2H application include:
- Passport copy
- Passport-sized photos
- Application forms
- Letter of good conduct / no criminal record
- Bank statements
- Proof of financial strength
- Proof of monthly income or sustenance
- Marriage certificate, if applying with spouse
- Birth certificates for children or parents
- Adoption or custody documents, if applicable
- Medical report
- Medical insurance, where required
Some documents may need to be certified by the Malaysian Embassy, Malaysian High Commission, or relevant authority.
MM2H Application Process
The MM2H application process generally includes the following steps:
- Initial consultation and eligibility review
- Preparation of required documents
- Submission of MM2H application
- Waiting for conditional approval
- Opening Malaysian bank account
- Placement of MM2H fixed deposit
- Medical check-up and insurance arrangement
- Visa endorsement at the MM2H Centre
- Property purchase submission within the required timeline
- Ongoing compliance and future renewal support
Processing time may vary depending on the applicant’s profile, document readiness, and government processing timeline.
Why Use an MM2H Agent?
Although MM2H may look straightforward, the process involves many important details. Mistakes in documentation, property purchase, bank arrangements, dependent documents, or timing may cause delays or rejection.
A licensed MM2H agent can help with:
- Eligibility checking
- Document preparation
- Government submission
- Fixed deposit guidance
- Medical and insurance arrangement
- Property requirement guidance
- Dependent application
- Visa endorsement
- Renewal and future compliance
Using an experienced MM2H consultant helps reduce unnecessary risk and improves the overall application experience.
About STF Revenue (MM2H)
STF Revenue (MM2H) assists foreigners who wish to apply for the Malaysia My Second Home visa and relocate to Malaysia for long-term stay, retirement, investment, or family purposes.
Our role is to guide applicants through the MM2H process from initial consultation to visa endorsement and post-approval support.
STF Revenue (MM2H) provides assistance in:
- MM2H eligibility assessment
- MM2H application preparation
- Document checking
- Dependents application
- Bank and fixed deposit guidance
- Medical check-up arrangement
- Insurance guidance
- Property requirement advisory
- Visa endorsement support
- Long-term relocation guidance in Malaysia
Why Choose STF Revenue (MM2H)?
Choosing the right MM2H consultant is important because the programme involves financial commitment, property purchase, government procedures, and long-term planning.
STF Revenue (MM2H) focuses on:
- Clear and transparent guidance
- Practical MM2H application support
- Step-by-step document preparation
- Professional advice based on applicant profile
- Support for families, retirees, and investors
- Guidance before and after visa approval
- Long-term relationship with clients
Our objective is not only to help you apply for MM2H, but also to help you understand whether Malaysia is the right long-term home for you.
Cost of Applying for MM2H Malaysia
The total cost of applying for MM2H depends on the category selected, property requirement, fixed deposit amount, government fees, professional fees, medical check-up, insurance, and other related expenses.
Major cost components usually include:
- Fixed deposit placement
- Residential property purchase
- Government participation fee
- Visa and processing fees
- Medical check-up
- Medical insurance
- Professional service fee
- Document certification or translation, if required
Before applying, applicants should carefully review their financial readiness and long-term relocation plan.
Speak to STF Revenue (MM2H)
If you are planning to apply for Malaysia My Second Home 2026, STF Revenue (MM2H) can assist you with a clear assessment and step-by-step application guidance.
Whether you are planning to retire in Malaysia, relocate with your family, invest in Malaysian property, or make Malaysia your long-term base, our team can help you understand the most suitable MM2H category.
Contact STF Revenue (MM2H) today for a consultation on your Malaysia MM2H visa application.