A clear, evidence-first look at Malaysia's long-stay residency programme — four tiers, USD fixed deposits and the new property rules — coordinated through authorised MM2H agents. No guesswork.
Last updated: 12 June 2026 — reviewed against MOTAC and Malaysian Immigration Department settings.
Free MM2H Eligibility Assessment — SEZ (Forest City, Johor), Silver, Gold and Platinum tiers, fixed-deposit planning and property rules reviewed against your profile.
Get Assessment| Malaysia My Second Home (MM2H) — Four Tiers | |
|---|---|
| Governing authorities | MOTAC (programme rules) · Immigration Department, Ministry of Home Affairs (final approval) |
| Tiers | SEZ (Forest City, Johor) · Silver · Gold · Platinum |
| Fixed deposit (USD, primary basis) | Silver from USD 150,000 · Gold from USD 500,000 · Platinum from USD 1,000,000 · SEZ USD 65,000 (21–49) / USD 32,000 (50+) |
| Mandatory property (MYR) | Silver from RM 600,000 · Gold from RM 1,000,000 · Platinum from RM 2,000,000 · SEZ from RM 500,000 (Forest City developer) |
| Visa duration | Silver 5 yrs · Gold 15 yrs · Platinum 20 yrs · SEZ 10 yrs (multiple-entry) |
| Minimum age / insurance | 21 years · medical insurance required for applicants under 60 |
| Cosmos fees | [fees confirmed after assessment] |
| As of | June 2026 |
USD deposit and MYR property figures are government-set programme requirements, not Cosmos fees. RM equivalents are indicative and move with the exchange rate.
We assist applicants based in Dubai, Abu Dhabi, Riyadh, Doha, Kuwait City, Muscat, Manama, as well as across India and Sri Lanka. Our role is to turn a programme with four tiers and shifting USD thresholds into a clear, executable plan you can act on with confidence.
The objective is correctness and long-term outcome security — not a rushed application that unravels later.
Malaysia's MM2H programme now has four tiers — SEZ, Silver, Gold and Platinum — each with its own USD fixed deposit, a mandatory property purchase, and a different pass length. Silver runs five years, Gold fifteen, Platinum twenty, and the SEZ (Forest City, Johor) pass ten years, all multiple-entry.
The deposits scale with the tier: Silver from USD 150,000, Gold from USD 500,000, Platinum from USD 1,000,000, and the SEZ tier at USD 65,000 for ages 21–49 or USD 32,000 for 50 and over. Property minimums run from RM 600,000 (Silver) up to RM 2,000,000 (Platinum), with the SEZ tier requiring a RM 500,000 purchase from a Forest City developer. Find out which tier fits your profile — free assessment.
Yes — a property purchase is now mandatory for every MM2H tier, a change from the earlier rules where property was optional. You commit to a minimum value tied to your tier and complete the purchase within a fixed window after your visa is endorsed.
Minimum property values are RM 600,000 (Silver), RM 1,000,000 (Gold), RM 2,000,000 (Platinum), and RM 500,000 for the SEZ tier — the SEZ home must be bought from a Forest City developer rather than a third party. The purchase window is twelve months from visa endorsement for most tiers, and three months for SEZ. Sequencing the deposit and the purchase correctly is where planning earns its keep.
The honest note. MM2H grants long-stay residency only — there is no permanent-residence or citizenship route, and your renewal depends on continuously maintaining the fixed deposit and the property. Both the deposit (USD 150k–1M) and the property (RM 500k–2M) are now mandatory, and because thresholds are set in USD, ringgit figures drift with the exchange rate and should be read as approximate. The SEZ tier is tied to a single Forest City developer in Johor, which concentrates developer and resale considerations worth weighing. The rules were revised in 2021 and relaunched in July 2024, so the programme carries genuine policy-change risk — every figure on this page carries its as-of date for that reason, and final requirements are confirmed after assessment.
Your MM2H pass length depends on the tier: Silver lasts five years, Gold fifteen, Platinum twenty, and the SEZ tier ten years, all on a multiple-entry basis for the duration of the pass. The minimum-stay obligation depends on the principal applicant's age.
Applicants under 50 must be physically present in Malaysia for 90 cumulative days per year. Principal applicants aged 50 and over have no minimum-stay requirement, which makes the programme more flexible for older applicants who want a base in Malaysia without committing to living there full-time. We map these obligations against your travel reality before you commit. Message us on WhatsApp.
Work rights depend on the tier: Silver holders cannot work, while Gold and Platinum holders may apply for a supplementary employment endorsement to take professional employment or run a business. So if you intend to earn an income in Malaysia, the tier you choose matters from day one.
On the deposit, up to 50% of the principal fixed deposit may be withdrawn after MM2H approval — but only for approved purposes: buying property, funding your children's education in Malaysia, and medical or tourism-related expenses inside Malaysia. The remainder stays locked as the financial anchor of your pass. We'll walk you through how the deposit, the withdrawal and the property fit together. Start with a free assessment.
Cosmos Immigration provides structured planning, documentation preparation and case management for MM2H. Applications are prepared and submitted through government-authorised MM2H agents and regulated legal practitioners in our network, who handle the formal submission and representation. Cosmos coordinates your eligibility review, documentation and case management throughout — so you have one organised file and one point of contact, with the right authorised professional handling the parts that require a Malaysian licence.
MM2H is a long-stay residency pass, not citizenship — so there's no surrender of Indian citizenship, no OCI impact, and none of the renunciation considerations that attach to citizenship-by-investment programmes. You keep your Indian passport.
The genuine India-specific point is funding. Paying the USD fixed deposit (USD 150,000 to 1,000,000) plus the mandatory ringgit property purchase means moving money out of India, and those remittances fall under the RBI Liberalised Remittance Scheme — currently USD 250,000 per person per financial year. Depending on the tier and the number of family members, you may need to plan the funding across more than one person or financial year.
This is general information, not financial, tax, or legal advice. Remittances are governed by RBI regulations under the Liberalised Remittance Scheme and your bank's compliance requirements — consult a qualified chartered accountant or your authorised dealer bank before moving funds.
← View all long-term residency visa pathways on the residency hub page.
Yes. MM2H is open as of June 2026. It was relaunched in July 2024 under MOTAC, and the requirements published then remain in force through 2026 with no new suspension. Final immigration approval sits with the Immigration Department under the Ministry of Home Affairs.
Deposits are USD-denominated and depend on the tier: Silver from USD 150,000, Gold from USD 500,000, and Platinum from USD 1,000,000. The SEZ (Forest City) tier is USD 65,000 for ages 21–49 or USD 32,000 for 50 and over. Up to 50% of the principal may later be withdrawn for approved purposes only.
No. MM2H is a long-stay residency pass and does not lead to permanent residence or citizenship. Renewal depends on continuously maintaining your fixed deposit and your property, so it is best understood as a renewable long-stay base rather than a route to a passport.
Yes — property purchase is now mandatory for all tiers. Minimum values are RM 600,000 (Silver), RM 1,000,000 (Gold), RM 2,000,000 (Platinum), and RM 500,000 for SEZ from a Forest City developer. The purchase must be completed within twelve months of visa endorsement, or three months for the SEZ tier.
It depends on the tier. Silver holders cannot work. Gold and Platinum holders may apply for a supplementary employment endorsement to take professional employment or run a business. If earning an income in Malaysia matters to you, that should shape your tier choice from the start.
Cosmos Immigration is a regulated immigration consultancy founded in Dubai in 2014, working through CICC-, MARA- and IAA-registered professionals, with offices in Dubai, Abu Dhabi, Hyderabad and Oakville. Cosmos does not hold a Malaysian immigration licence; MM2H applications are prepared and submitted through government-authorised MM2H agents and regulated legal practitioners in our network, while Cosmos coordinates eligibility, documentation and case management. You can verify our firm-level registrations yourself on the relevant regulators' public registers — look us up by name, free, and run the same check on anyone else you're considering. Verify Our Credentials
Cosmos Immigration is a private consultancy, not a government body. Programme criteria and figures are set by the relevant governments and are subject to change; verified against official sources as of the date shown.
Start with a free assessment, not a sales pitch — or message us on WhatsApp. We'll tell you honestly whether MM2H fits — even if the answer is no.
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