MM2H Visa Guide 2025
Malaysia My Second Home Program - Complete Application Guide
What is the MM2H Program?
Malaysia My Second Home (MM2H) is a long-term multiple-entry visa program designed for foreign nationals who wish to reside in Malaysia for an extended period. It's ideal for retirees, remote workers, and those seeking a second home in Southeast Asia.
Visa validity, renewable
Unlimited in/out of Malaysia
But remote work allowed
Spouse & children eligible
Eligibility Requirements
Different requirements based on age and employment status
For Ages 50 and Above
- Fixed deposit of RM 1,000,000 (approx. USD $230,000)
- Proof of monthly retirement income: RM 40,000 (approx. USD $9,300)
- Valid passport with minimum 18 months validity
- Clean criminal record
- Return air ticket
For Ages Below 50
- Fixed deposit of RM 500,000 (approx. USD $115,000)
- Proof of monthly income: RM 40,000 OR fixed deposit of RM 1,000,000
- Valid passport with minimum 18 months validity
- Clean criminal record
- Return air ticket
For Retired Persons
- Monthly pension: RM 40,000 (approx. USD $9,300)
- OR fixed deposit: RM 1,000,000 (approx. USD $230,000)
- Valid passport with minimum 18 months validity
- Proof of retirement from organization
- Return air ticket
Exchange Rate Note: Figures shown in USD based on approximately RM 4.3 = USD $1. Actual costs may vary with exchange rates. All amounts in RM are fixed by Malaysian government.
5-Step Application Process
Gather Documents
Prepare all required documents including passport copies, financial statements, and medical records.
Documents Required:
- ✓Valid passport (original + 3 copies)
- ✓Bank statements (last 6 months)
- ✓Fixed deposit certificate from Malaysian bank
- ✓Medical report from registered medical practitioner
- ✓Proof of travel insurance
- ✓Return air ticket
- ✓Employment letter or pension certificate
Open Malaysian Bank Account
Open a fixed deposit account at a Malaysian bank. Funds must be deposited and frozen.
Documents Required:
- ✓Passport & copy
- ✓Proof of address (e.g., hotel booking)
- ✓Employment letter (if working)
- ✓Initial deposit amount
Submit to Immigration
Submit complete application to Malaysia My Second Home Program office via approved agent.
Documents Required:
- ✓Completed application form (IMM 14)
- ✓All required supporting documents
- ✓Letter from approved agent
Approval & Conditional Approval
Receive conditional approval pending additional verification and final approval.
Documents Required:
- ✓Conditional approval letter
- ✓Instructions for next steps
Final Approval & Visa Issuance
After meeting all conditions, receive final approval and visa is issued. Report to Immigration office.
Documents Required:
- ✓Final approval letter
- ✓MM2H visa in passport
Cost Breakdown
| Expense Item | Cost | Notes |
|---|---|---|
| Application Fee | RM 500 | Non-refundable |
| Medical Examination | RM 200-500 | Varies by clinic |
| Agent Service Fee | RM 2,000-5,000 | If using approved agent (recommended) |
| Processing & Admin | RM 1,000-2,000 | Bank, legal, etc. |
| Travel Insurance | RM 500-2,000 | Annual requirement |
| Fixed Deposit | RM 500K-1M | Not spent, locked for visa duration |
Important Note on Fixed Deposit:
The fixed deposit (RM 500K-1M) is NOT spent. It remains in your bank account, frozen for the duration of your visa. You can use it again once your visa expires or is cancelled. This is a requirement to demonstrate financial stability.
2024-2025 Program Changes
2025 Changes
- Monthly income requirement now RM 40,000 (increased from RM 35,000)
- Fixed deposit amounts increased: RM 1M for 50+ and RM 500K for below 50
- Enhanced documentation requirements for source of income verification
- Faster approval timeline: target 60-90 days vs previous 120 days
2024 Changes
- Extended visa validity to 5 years (from previous terms)
- Simplified application process for renewals
- New digital submission options
- Increased scrutiny on fund sources
Total Timeline
Next Steps
1. Consult with an Approved Agent
The Immigration department has a list of approved MM2H agents. An agent will guide you through the process, help gather documents, and communicate with immigration on your behalf.
2. Arrange Your Malaysian Bank Account
Contact Malaysian banks (Maybank, CIMB, Public Bank) about MM2H fixed deposit accounts. Some banks work directly with immigration, which speeds up the process.
3. Get Medical Examination
Book a medical check-up with a registered doctor in Malaysia or arrange a medical report from your home country that meets Malaysian standards.
4. Gather All Documents
Prepare all required documents (see process steps above). Your agent will provide a detailed checklist tailored to your situation.
5. Submit Application
Submit complete application through your agent. Immigration will acknowledge receipt and provide timeline for processing.
Pro Tip: Start the process 4-6 months before you plan to move. This gives you time to arrange finances, gather documents, and complete the application without rushing.
Frequently Asked Questions
How long does MM2H visa approval take?
Total timeline: 3-4 months from initial application to visa issuance. This includes gathering documents (2-4 weeks), bank approval (1-2 weeks), Immigration initial processing (4-8 weeks), and final approval (2-4 weeks). Using an approved agent can help expedite the process.
Can I bring my family on MM2H visa?
The primary visa holder can sponsor spouse and unmarried children under 21. Dependents require separate approval and have the same duration visa as the primary holder. They must meet health and character requirements.
Can I work in Malaysia on MM2H visa?
No, MM2H is a residence visa, not a work permit. You cannot take local employment. However, you can: work remotely for overseas employers, run an online business, freelance for international clients, or receive retirement income/pensions.
What happens to my fixed deposit if my visa is denied?
The fixed deposit is refunded in full if your application is denied. It remains under your control and is only frozen (not spent) while your MM2H visa is active.
Can I renew my MM2H visa?
Yes. MM2H visas are renewable for additional 5-year periods. Renewal is simpler than the initial application, requiring updated medical report, proof of continued financial stability, and an active fixed deposit. Most renewals are approved quickly.
Do I need medical insurance for MM2H?
Yes, travel/medical insurance is mandatory and must be maintained throughout your stay. Minimum coverage is typically RM 50,000. This protects you against major medical expenses.
What if I want to extend beyond 5 years?
You can renew for another 5-year period. Alternatively, consider applying for other long-term visas like Long-Term Social Visit Pass (for family ties) or exploring permanent residence options if eligible.
Can I buy property on MM2H visa?
Yes, foreigners can buy property in Malaysia. However, there are restrictions: minimum purchase price (typically RM 250,000-500,000 depending on state), purchase in designated areas only, and some states have different rules. Consult a local lawyer.
Ready to Apply for MM2H?
Explore more about living in Penang before you apply. Check out cost of living, neighborhoods, healthcare, and other essential guides.