Malaysia My Second Home (MM2H): The Definitive Guide

You’ve heard all about the great climate, friendly people, and stunning local food of Malaysia and want to know how you can be a part of it.

This article will look at the 2020 requirements and the terms and conditions for the Malaysia My Second Home (MM2H) program.

This housing program was created as a way to allow working expatriates and retirees from foreign countries get a second home in Malaysia.

What is the Malaysia My Second Home (MM2H) Program?

mm2h logoMM2H is a program created by the Malaysian government and introduced by the Ministry of Tourism and Culture (MOTAC).

It was designed to open Malaysia up to people from around the world. Upon joining the program, you’ll receive your MM2H pass that allows you to stay in the country for up to 10 years.

The pass can be renewed when it expires after meeting the requirements for renewal.

Who can Apply for MM2H?

  • Citizens from any country, no matter their age, gender, or religion.
  • You can bring unmarried children under 21 with you, as well as your spouse and parents.
  • You can also apply to get a maid or helper service to make the stay in Malaysia more comfortable.
  • There are also MM2H procedures that allow you to bring your pet with you.

The Duration of MM2H?

How long the visa lasts depends on how long your passport is valid for.

It is advised that you renew your passport before getting the visa. Even so, you can always extend the visa as long as you have the financial capacity and fill out the required documents to do so.

Keep in mind that you aren’t getting a Permanent Residence (PR) Permit.

It is also not a guarantee that you will one day receive a PR. You have nothing more than a Social Pass visit that allows for multiple entries and exits under the guidelines of the MM2H program.


Apart from having the opportunities to enjoy the good quality lifestyle and the good values of Malaysia, the government is providing you attractive benefits to make your stay more comfortable and enjoyable in Malaysia:

Freedom to Travel

Applicants aren’t beholden to a minimum stay requirement. You can enter and leave the country whenever you wish.


Parents who are over 60 years old will receive their own special visit visa that can be renewed for as long as the MM2H Pass is valid.


Foreign-secured income and pension are not subject to tax. Only income earned in Malaysia is subject to Malaysian taxes.

House Purchase

Foreigners can purchase as many residential properties that they wish, subject to the minimum rates as set by the state they live in.


Your children can receive great education (up to age of 18) under the MM2H study permit in private or public schools.


Complete access to medical facilities. Medical expenses will be partly covered by the compulsory medical insurance.


Can invest and be active in the business , subject to the Government policies related to the relevant sectors.

Live-in Maid

Applicants can also apply to receive a foreign maid to help make their stay more comfortable, subject to policies.

The Process

You can apply for the MM2H program from within Malaysia or from your home country.

We’ve put together this handy checklist of the process, as well as the documents you need.

Step 1: Pre-Submission

The first thing to do is to apply online through the Check N’ Track system.

After filling out this form, download any relevant forms and attach any necessary documents to complete the application.

Step 2: Submission

You have two options when it comes to submitting the application.

The first is to submit it yourself, assuming you understand the processes and rules of MM2H and are able to navigate Government offices.

The second option, which is the choice most people will use, is to use an MM2H licensed agent that can help you with the process.

All applicants need to have a Malaysian sponsor who supports their application and they have to pay a Personal Bond of up to RM2,000. If you use an agent for your application they will cover the bond and they work as your sponsor.

Step 3: Conditional Approved Letter

After successfully submitting the documents and application, you are provided with a Conditional Approval Letter by the MM2H Center, Immigration Unit.

The letter can take up to 5 months to be issued.

Step 4: Arriving in Malaysia

After arriving in the country with your Conditional Approval Letter on hand, you have to follow through the other documents within 6 months. When you arrive you want to set up a fixed deposit account and submit your Fixed Deposit Certification to the MM2H Authority.

All applicants – and their dependents – must then purchase a Medical Insurance policy to cover any medical expenses. Any insurance policy will do as long as it is valid in Malaysia. After securing the policy, submit the documents to the MM2H authority. While this is a necessary step, older applicants can be excused if they are unable to find insurance due to their age.

Applicants and their dependents must also go through a medical examination conducted at a private hospital or registered clinic. This Medical Report (RB 11) must be submitted to the authority of MM2H as evidence that your family and you are in good health.

Dependents that have to attend school in Malaysia must apply for a Student Pass to further their education at the primary or higher level. The Student Pass is submitted to the MM2H authority along with the Student Personal Data Form.

Step 5: Collecting Your Visa

Once you’ve submitted all the other documents, you can collect the visa from the MM2H Immigration Center. Your visa is valid for up to ten years, depending on how long your passport is valid for.

Not a fan of paperwork? Don’t like the idea of filling out all those forms?

Keep in mind that these forms can seem scary, but you can always employ a registered MM2H agent to help. They will be with you as you apply for MM2H in Malaysia.

These are people who do this for a living. They are professionals that understand the smoothest and simplest way to go through the application process.

The best MM2H agency will even help you to settle in Malaysia after completing the application.



Does my Spouse’s Income Count Towards our Total?
The program was changed recently so that the income of spouses contributes to the RM10,000 offshore income requirement. However, the principal applicant should be earning more than their spouse by a ratio of at least 7:3.
Do Other Investments Contribute to the RM10,000 Requirement?
Employed applicants have to reference all of their job-related income on their application. This income can’t be boosted through other income sources like investments and rental agreements.
Can I Renew an MM2H Malaysian Visa?
You can apply to renew your visa for another 5-10 years depending on how long until your passport expires.
Can I Apply for a Home Helper?
Each applicant can apply for one home-help employee, subject to the immigration guidelines.
Am I Able to Work in Malaysia with an MM2H Visa?
Applicants over 50 years old are eligible to work up to 20 hours per week with an MM2H visa. The job offer has to be registered and approved by the relevant immigration departments.

Purchasing a House

Do Participants Receive Special Entitlements?
Participants are allowed to purchase a residential property at the current minimum purchase price for foreigners as established by the relevant state government. The current minimum price for most states is RM500,000.00.
Can I purchase One House to Live in and One to Rent Out?
No. You are only eligible to purchase a residential property.
Do I need to Pay Yearly Assessment and Quit Rent for Houses Like Malaysian Citizens Do?
Are participants able to hand over assets to their beneficiaries in the event of an unforeseen death? Are there any limitations to this?
Participants are able to transfer their property to a next-of-kin as long as they have written a will that declares this. If there is no will present, then the next-of-kin is still able to claim their inheritance by proving their identity and relation to the participant.
Are Foreigners Required to Purchase New Malaysian Properties, or are they Free to Purchase any Property, Including Second and Third-Hand Property?
Participants are free to purchase any kind of housing property so long as it has been issued a CF.

Fixed Deposits

Can I Withdraw the Fixed Deposit While in Malaysia?
Some banks may allow you to periodically withdraw some of the interest earned on the Fixed Deposit. That is entirely subject to the policy of the bank and what you negotiated when you opened your account with them.
Can I Make the Deposit with a Malaysian Bank in my Home Country?
No. The account should be registered under any bank in Malaysia.
When can I Withdraw the Fixed Deposit?
You can withdraw your fixed deposit after a period of time. The money can only be used for approved expenses such as purchasing a house, educating your children, and for medical expenses. It may also be withdrawn when you leave Malaysia as long as you inform the Ministry of Tourism and Culture Malaysia of your intention to leave at a Malaysia My Second Home Centre. You can also apply to withdraw part of your fixed deposit for an emergency case – such as medical expenses – upon prior approval of the Ministry of Tourism and Culture Malaysia.


Do Children at Kindergarten Level Require a Student Visa?
Children who are below schooling age – under 7 years old – don’t need a Student Visa. They just have to apply for permission to study with the Immigration Department.


Are MM2H Participants Allowed to do Business in Malaysia?
No. MM2H Passes are social visit passes. They only allow for participants to stay in Malaysia for a long period of time. If the participant wishes to do business, they would have to terminate their MM2H Pass and apply for the relevant visa.
I’m Interested in Investing in Malaysia. Where can I Get More Information?
You should contact the Malaysia Industrial Development Authority for more information about Malaysian investments.

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