Program Type
Long-term residence through fixed deposit, property and financial standing pathways.
Residence by Investment / Malaysia
Malaysia Residence by Investment
A WIMA country reference for long-term residence pathways through MM2H and premium residence structures.
Malaysia offers long-term multiple-entry residence options for eligible foreign applicants through fixed deposit, residence purchase, financial standing, medical, family and compliance requirements. Program categories differ materially in duration, work rights and annual presence rules.
USD 150KMM2H Silver fixed deposit
5-20Years by category
90Days annual stay rule for MM2H participants below 50
Entry Tier
National MM2H Silver begins with a USD 150,000 fixed deposit and residence purchase requirement.
Premium Route
PVIP requires MYR 1 million fixed deposit and proof of recurring income.
Citizenship
Malaysia residence by investment does not automatically lead to permanent residence or citizenship.
Overview
Multiple-Entry Residence for Lifestyle, Family and Business Planning
Malaysia's long-term residence framework combines the Malaysia My Second Home program with a premium visa route. The national MM2H framework is now organized across Silver, Gold, Platinum and special zone categories. The premium visa route is structured around a larger fixed deposit, proof of income and broader activity rights.
Tiered Long-Stay Framework
Silver, Gold and Platinum tiers vary by fixed deposit amount, residence purchase threshold, pass validity, participation fee and activity rights.
Premium Residence Route
PVIP is designed for applicants with higher income and a MYR 1 million fixed deposit, with no minimum stay requirement under public guidance.
Dependent Inclusion
Eligible dependants may include spouse, children and parents or parents-in-law, subject to age, marital, dependency and documentation rules.
Residence, Not Citizenship
These routes provide long-term stay permission. Any permanent residence or citizenship path is separate and more restrictive.
Route Comparison
MM2H and Premium Residence Structures
Applicants should compare minimum capital, residence purchase obligations, pass duration, stay requirements and activity rights before selecting a route. Amounts below exclude professional, immigration, medical, insurance, property transaction and renewal costs.
| Route | Fixed Deposit | Property / Fee | Pass Duration | Activity Rights | Presence Rule |
|---|---|---|---|---|---|
| MM2H Silver | USD 150,000 | Residence purchase from RM 600,000; one-off principal fee RM 1,000 | 5 years, renewable | Work and business not allowed | 90 cumulative days per year for participants below 50 |
| MM2H Gold | USD 500,000 | Residence purchase from RM 1 million; one-off principal fee RM 3,000 | 15 years, renewable | Work and business not allowed | 90 cumulative days per year for participants below 50 |
| MM2H Platinum | USD 1 million | Residence purchase from RM 2 million; one-off principal fee RM 200,000 | 20 years, renewable | Business, investment and career activities permitted | 90 cumulative days per year; family fulfilment rules apply for ages 25 to 49 |
| Special Zone Category | Category-specific | Location-specific residence purchase and endorsement rules apply | Category-specific | Verify before reliance | Verify before reliance |
| Premium Visa Route | MYR 1 million | Proof of recurring income of at least MYR 40,000 monthly or MYR 480,000 annually; one-off participation fee applies | 20-year framework, with endorsement and renewal mechanics tied to passport validity | Live, work, study and conduct business | No minimum stay requirement under public guidance |
Requirements
Core Financial and Personal Requirements
Malaysia residence applications require careful route selection, bank deposit planning, residence purchase planning where applicable, medical compliance and a review of family eligibility.
Fixed Deposit
The selected MM2H category requires a fixed deposit in a licensed Malaysian financial institution. Up to 50% may be withdrawn after approval for approved purposes.
USD 150K+Residence Purchase
A residence purchase is compulsory after approval. Sale is generally restricted for 10 years, except for upgrading to a higher-value property.
RM 600K+Income and Deposit
The premium route requires proof of recurring income and a MYR 1 million local fixed deposit, with approved withdrawal rules after the required holding period.
MYR 1MApplicant Age
MM2H Silver, Gold and Platinum applicants must generally be 25 or above. Special zone rules may begin at 21. PVIP does not follow the same age framework.
Medical Check
Medical examination is compulsory after approval. Health insurance is required where applicable under the selected route and applicant profile.
Dependants
Spouse, qualifying children, disabled children and parents or parents-in-law may be included, subject to category-specific conditions.
WIMA reference note: special economic and financial zone categories should be confirmed directly before any client reliance because location, property, age, deposit and endorsement rules may differ from national MM2H tiers.
Application Process
Conditional Approval Before Final Endorsement
Applicants normally progress from suitability review and document preparation to government submission, conditional approval, bank deposit, medical examination, insurance and pass endorsement. Do not represent timeframes as guaranteed.
Route Selection
Assess MM2H tiers, special zone categories and the premium route against age, family, financial capacity, activity rights and stay goals.
Document Preparation
Prepare passport, financial records, bank statements, health insurance, police or conduct evidence where required, and family documents.
Submission Through Approved Channel
MM2H applications must be submitted through a licensed operating channel. Premium route filings follow the route-specific appointed channel.
Conditional Approval
After review, approved applicants receive conditional approval before completing financial, medical and insurance steps in Malaysia.
Deposit, Medical and Residence Steps
Open the required local fixed deposit, complete medical checks, arrange insurance and satisfy residence purchase obligations where applicable.
Pass Endorsement and Renewal
The pass is endorsed for the applicable route and remains subject to passport validity, compliance conditions and renewal procedures.
WIMA presentation standard: Malaysia residence options should be described as conditional long-term residence permission, not as guaranteed permanent residence, citizenship or unrestricted immigration status.
Benefits
Residence Planning Benefits and Limits
Malaysia offers lifestyle, education, medical, family and regional business advantages. Benefits should be paired with clear disclosure of route limits, activity restrictions and renewal conditions.
Long-Term Stay
MM2H categories range from 5 to 20 years, while the premium route offers a longer-term framework with renewal mechanics.
Family Inclusion
Eligible family members may be included, including spouse, children and parents or parents-in-law under the applicable rules.
Education and Healthcare
Dependants may access recognized education pathways, and long-term medical treatment is allowed during pass validity.
Income Context
Public guidance references tax treatment for incoming funds. Tax residence and reporting obligations require specialist review.
Compliance Notes
WIMA Professional Disclosure Framework
Malaysia residence planning requires separate review of immigration permission, property risk, banking rules, tax residence, family eligibility and permitted activities. Advisors should avoid simplifying all routes into one golden visa product.
Deposit and Withdrawal Rules
Explain the fixed deposit requirement, approved withdrawal purposes, timing and balance maintenance obligations.
Residence Purchase Risk
Property threshold, state minimums, resale restriction, ownership risk and upgrading rules should be reviewed before commitment.
Work and Business Limits
Silver and Gold do not allow work or business activities. Platinum and PVIP have broader activity permissions subject to rules.
Annual Stay
MM2H includes a 90-day cumulative annual stay rule for participants below 50. Family fulfilment rules must be checked by category.
Passport Validity
Pass validity and endorsement may depend on passport validity. Renewal can require updated documents, medical report and insurance.
No Citizenship Promise
Residence status under these routes should not be marketed as automatic permanent residence or citizenship.
FAQ
Malaysia Residence by Investment FAQ
The national MM2H Silver category starts with a USD 150,000 fixed deposit and a minimum RM 600,000 residence purchase obligation. Other routes require higher deposits or income evidence.
Silver and Gold do not allow work, business or career activities. Platinum allows business, investment and career opportunities under the public category rules. PVIP has broader work and business rights.
For national MM2H categories, a residence purchase is compulsory after approval, with a category-based minimum value and a 10-year sale restriction except for upgrading.
Yes. Eligible family may include spouse, children, disabled children and parents or parents-in-law, subject to route-specific documentation and age rules.
No automatic citizenship outcome should be represented. Permanent residence and citizenship are separate processes under Malaysian law.
WIMA Reference Notice
Use Residence Information Responsibly
This country page is a professional reference prepared in WIMA style. Program costs, category names, fixed deposit rules, property thresholds, stay rules and activity permissions may change. Users should verify current rules before client reliance or application preparation.