What is the minimum age for MM2H in 2026?

25 for the main applicant on Silver, Gold and Platinum, per MOTAC's own category table. Much secondary coverage says 30; that is not what the official document says. The SEZ/SFZ tiers go lower, at 21.

How many days a year must I spend in Malaysia?

90 days a year if you are aged 25 to 49 — and it can be met between the main applicant and/or spouse and dependants rather than by the principal alone. From age 50 there is no minimum stay requirement.

Do I have to buy property?

Yes. Every tier carries a compulsory residential purchase: RM600,000 on Silver, RM1,000,000 on Gold, RM2,000,000 on Platinum. This is the single biggest real cost of the programme and it is easy to miss when comparing deposit figures alone.

Is RM600,000 really enough to buy on MM2H Silver?

Only where the state lets you. This is the programme's national minimum, not the price you will actually be allowed to buy at. A foreign buyer must also clear the floor set by the state the property sits in, and in the two states most applicants buy in that floor is higher: RM2,000,000 in Selangor and RM1,000,000 in Kuala Lumpur. Where the state floor is the higher of the two, it is the one that binds. So a Silver applicant intending to live in Selangor is looking at a RM2,000,000 purchase, not a RM600,000 one — the programme minimum is a floor beneath a floor, and the state's is usually the higher of the two. Check the threshold for the specific state before you budget anything, because it is the number that will actually be applied to your purchase.

What does each dependant cost on top?

Five things, none of them inside the main applicant's agency fee: a RM2,500 processing fee one-off, a RM500 per-year pass fee, a visa fee per year set by their nationality, a RM10 security bond one-off, and — from the second dependant onwards — RM2,160 of additional agency fee. The participation fee does not repeat: it is charged per application, not per person.

Can I withdraw the fixed deposit?

Up to 50% of the principal may be withdrawn once the property purchase completes, for education, medical or tourism activities in Malaysia. Note what that timing rules out: because the window opens on completion of the purchase, the deposit cannot be the source of your down payment. Budget the deposit and the property as two separate sums.

Do I need a licensed agent to apply for MM2H?

On the current official guide, yes. MOTAC's Guide: Malaysia My Second Home (December 2025) says at general requirement 3 that an application "should be submitted and completed through any MM2H tour operating business that has been licenced by the Ministry of Tourism, Arts & Culture under the Tourism Industry Act 1992", and its application flowchart routes every step through a registered agent — there is no independent path drawn in it. Read that with the disclosure on this site in mind: the author runs a licensed agency, so check requirement 3 and the flowchart yourself rather than taking our word for it. Older MOTAC guidance did describe applying independently; if you are relying on that, ask the One Stop Centre directly before you commit.

Why is Platinum's participation fee RM200,000 when Gold's is RM3,000?

Because they are structured as different products rather than as a simple ladder. Silver charges RM1,000, Gold RM3,000, Platinum RM200,000. The processing fee is the same across all three: RM5,000 for the principal and RM2,500 per dependant.

Does MM2H have an income requirement?

No income threshold is published and none is applied. That is not the same as bringing nothing: an applicant is still expected to show they can sustain themselves in Malaysia, so bank statements or proof of income are worth attaching even though no figure has to be met. Qualification itself is on capital — the fixed deposit and the property purchase — which is why MM2H stays open to applicants whose wealth is in assets rather than in monthly income. Stated by MYPVIP practice, 28 July 2026; MOTAC's guide publishes no income figure either way.

Is there tax on my foreign income?

MOTAC states no tax on foreign funds or income, and none on the profit from fixed deposits held in Malaysia. Tax treatment can change and depends on your own residence position — take advice on your specific circumstances.

MOTAC (One Stop Centre MM2H)

Malaysia My Second Home (MM2H)

MM2H comes in three tiers.

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MM2H comes in three tiers. Silver needs a USD 150,000 fixed deposit and a RM600,000 property; Gold needs USD 500,000 and RM1 million; Platinum needs USD 1 million and RM2 million — but those property figures are national minimums, and the state you buy in sets its own floor for foreign buyers, RM2 million in Selangor and RM1 million in Kuala Lumpur. The agency fee is set by the government, not the agency: RM40,000 on Silver, RM55,000 on Gold, RM70,000 on Platinum. The minimum age is 25. Holders aged 25 to 49 must spend 90 days a year in Malaysia; from 50 there is no minimum stay.

The three tiers at a glance
Attribute	MM2H Silver	MM2H Gold	MM2H Platinum
Fixed deposit	USD 150,000^{See note 1}	USD 500,000^{See note 1}	USD 1,000,000^{See note 1}
Property purchase	From RM600,000^{See note 2}	From RM1,000,000^{See note 2}	From RM2,000,000^{See note 2}
Term	5 years, renewable	15 years, renewable	20 years, renewable
Participation fee	RM1,000	RM3,000	RM200,000
Agency fee	RM40,000^{See note 3}	RM55,000^{See note 3}	RM70,000^{See note 3}
Processing fee	RM5,000 principal^{See note 4}	RM5,000 principal^{See note 4}	RM5,000 principal^{See note 4}
Minimum age	25	25	25
Minimum stay	90 days, ages 25–49^{See note 5}	90 days, ages 25–49^{See note 5}	90 days, ages 25–49^{See note 5}
Work rights	No	No	Yes^{See note 6}

1. Up to 50% of the principal may be withdrawn once the property purchase completes, for education, medical or tourism activities in Malaysia.
2. This is the programme's national minimum, not the price you will actually be allowed to buy at. A foreign buyer must also clear the floor set by the state the property sits in, and in the two states most applicants buy in that floor is higher: RM2,000,000 in Selangor and RM1,000,000 in Kuala Lumpur. Where the state floor is the higher of the two, it is the one that binds.
3. Fixed by the government, not by the agency — there is nothing to negotiate here, and a quote above this figure is wrong rather than expensive. Covers the main applicant's processing fee; the main applicant's first five years of pass fee and visa fee; the main applicant's security bond. 20% of the agency fee is payable on submission and the remaining 80% after approval. All agency fees are inclusive of 8% SST.
4. Already inside the agency fee above — it should not appear twice on a quote.
5. 90 days per year for ages 25–49, met between the main applicant and/or spouse and dependants. No minimum stay from age 50.
6. May work and run a business.

The costs that don't appear in the deposit figure

MM2H is usually described by its fixed deposit, which is the least expensive part of it. The deposit stays yours. Three other numbers do not:

The government-set agency fee — RM40,000 on Silver and SEZ, RM55,000 on Gold, RM70,000 on Platinum, all inclusive of 8% SST. On Silver this is by far the largest fee on the tier, forty times the participation fee, and it is the line most comparisons leave out entirely. See the section below.
The compulsory property purchase — RM600,000 to RM2,000,000 depending on tier, and higher again where the state sets a higher floor for foreign buyers. This is capital committed to an illiquid Malaysian asset, and it is a condition of the programme, not an option.
The participation fee — RM1,000 on Silver, RM3,000 on Gold, RM200,000 on Platinum. Charged per application, not per person.
The processing fee— RM5,000 for the principal and RM2,500 for each dependant, the same across all three tiers. The principal's is already inside the agency fee, so it should not appear twice on a quote.
Per-dependant pass, visa and bond fees— RM500 per year of pass fee, a visa fee per year set by that dependant's nationality, and a RM10 security bond. The main applicant's first five years of all three are inside the agency fee.

Renewal is charged separately: RM1,500 on Silver, RM3,000 on Gold and RM5,000 on Platinum.

The agency fee is fixed by the government

This is the most useful thing to know before you speak to anyone about MM2H, and it is the reverse of how the market is usually described. There is no shopping around on the agency fee, because it is not the agency's to set:

Silver and SEZ — RM40,000
Gold — RM55,000
Platinum — RM70,000

All three are inclusive of 8% SST. Each covers the main applicant's processing fee, their first five years of pass fee and visa fee, and their security bond — so those four items should not appear again as separate lines on a quote. From the second dependant onwards there is an additional RM2,160 each, also inclusive of SST; the first dependant is already covered. Payment is 20% on submission and the remaining 80% after approval.

A quote materially above these figures is not an expensive agent. It is a wrong one, and the right response is to ask which line item the difference belongs to.

Stated by MYPVIP, from the government MM2H fee schedule, 28 July 2026. MOTAC's December 2025 guide does not publish the fee schedule, so this rests on attribution rather than on the source cited above.

The property minimum is not the price you will pay

This is the programme's national minimum, not the price you will actually be allowed to buy at. A foreign buyer must also clear the floor set by the state the property sits in, and in the two states most applicants buy in that floor is higher: RM2,000,000 in Selangor and RM1,000,000 in Kuala Lumpur. Where the state floor is the higher of the two, it is the one that binds.

This catches Silver applicants hardest, because the gap is the widest: RM600,000 on the programme against RM2,000,000 in Selangor. It is not a technicality or a rule that gets waived — it is the threshold the state applies to any foreign buyer, MM2H or otherwise, and it governs whether the transaction can complete at all.

The practical consequence is that the tier you qualify for and the property you can actually buy are two separate questions. Settle where you intend to live first, find that state's foreign-buyer threshold, and only then work out which tier makes sense — doing it the other way round is how people end up qualified for Silver and unable to buy anything.

The age rule, which most guides get wrong

MOTAC's category table sets the minimum age for the main applicant at 25, not 30. The stay requirement is then banded by age:

Ages 25–49: 90 days per year in Malaysia, and the days may be counted between the main applicant and/or spouse and dependants.
Age 50 and over: no minimum stay requirement.

For a retiree this makes MM2H effectively obligation-free on the stay side. For a working-age applicant it does not, and that is often the deciding factor between MM2H and PVIP, which exempts stay entirely.

Dependants and family

Children may be included up to age 34 provided they are single, which is to say up to but not including their thirty-fifth birthday. That is unusually generous by international standards, and MOTAC’s own guide words it as “up to age 35”, a year wider than it is applied. Parents and parents-in-law are also allowed.

The SEZ and SFZ tiers

MOTAC also publishes two lower-cost tiers for the Special Economic Zone and Special Financial Zone: a USD 65,000 fixed deposit for applicants aged 21 to 49, and USD 32,000 for those aged 50 and over. Both run 10 years renewable, carry a RM1,000 participation fee, and require property purchase at the price set for the relevant SEZ development. The agency fee schedule prices them with Silver, at RM40,000.

These are materially cheaper than Silver and are the least-discussed part of the programme. They are tied to specific zones, so the right question is not whether you qualify but whether you want to live where they apply.

Honest fit

Who it suits — and who it doesn't

A good fit if

You are retiring or semi-retiring and want a long horizon at a moderate cost
You are 50 or over — there is then no minimum stay requirement at all
You intend to buy Malaysian property anyway, since it is compulsory — and can clear the state's foreign-buyer floor, not just the programme's
You want a family route: children up to 34 and both sets of parents may be included

Look elsewhere if

You want to work in Malaysia and are not taking Platinum — business, investment and career activities are barred outright on Silver and Gold
You do not want to own Malaysian property, or do not want to commit to buying within the first year; purchase is compulsory on every tier
You were budgeting on Silver's RM1,000 participation fee — the government-set agency fee is RM40,000 on top of it
You are under 25 and therefore ineligible
Your capital is in ringgit — all three deposits are denominated in US dollars

FAQ

Common questions

What is the minimum age for MM2H in 2026?: 25 for the main applicant on Silver, Gold and Platinum, per MOTAC's own category table. Much secondary coverage says 30; that is not what the official document says. The SEZ/SFZ tiers go lower, at 21.
How many days a year must I spend in Malaysia?: 90 days a year if you are aged 25 to 49 — and it can be met between the main applicant and/or spouse and dependants rather than by the principal alone. From age 50 there is no minimum stay requirement.
Do I have to buy property?: Yes. Every tier carries a compulsory residential purchase: RM600,000 on Silver, RM1,000,000 on Gold, RM2,000,000 on Platinum. This is the single biggest real cost of the programme and it is easy to miss when comparing deposit figures alone.
Is RM600,000 really enough to buy on MM2H Silver?: Only where the state lets you. This is the programme's national minimum, not the price you will actually be allowed to buy at. A foreign buyer must also clear the floor set by the state the property sits in, and in the two states most applicants buy in that floor is higher: RM2,000,000 in Selangor and RM1,000,000 in Kuala Lumpur. Where the state floor is the higher of the two, it is the one that binds. So a Silver applicant intending to live in Selangor is looking at a RM2,000,000 purchase, not a RM600,000 one — the programme minimum is a floor beneath a floor, and the state's is usually the higher of the two. Check the threshold for the specific state before you budget anything, because it is the number that will actually be applied to your purchase.
How much is the MM2H agent fee?: It is not the agency's to set. The government fixes it at RM40,000 on Silver and SEZ, RM55,000 on Gold and RM70,000 on Platinum, all inclusive of 8% SST. That fee covers the main applicant's processing fee, their first five years of pass fee and visa fee, and their security bond. From the second dependant onwards there is an additional RM2,160 each, also inclusive of SST. Payment is 20% on submission and 80% after approval. A quote above these figures is not an expensive agent — it is a wrong one. Stated by MYPVIP, from the government MM2H fee schedule, 28 July 2026; MOTAC's December 2025 guide does not publish the schedule.
What does each dependant cost on top?: Five things, none of them inside the main applicant's agency fee: a RM2,500 processing fee one-off, a RM500 per-year pass fee, a visa fee per year set by their nationality, a RM10 security bond one-off, and — from the second dependant onwards — RM2,160 of additional agency fee. The participation fee does not repeat: it is charged per application, not per person.
Can I withdraw the fixed deposit?: Up to 50% of the principal may be withdrawn once the property purchase completes, for education, medical or tourism activities in Malaysia. Note what that timing rules out: because the window opens on completion of the purchase, the deposit cannot be the source of your down payment. Budget the deposit and the property as two separate sums.
Do I need a licensed agent to apply for MM2H?: On the current official guide, yes. MOTAC's Guide: Malaysia My Second Home (December 2025) says at general requirement 3 that an application "should be submitted and completed through any MM2H tour operating business that has been licenced by the Ministry of Tourism, Arts & Culture under the Tourism Industry Act 1992", and its application flowchart routes every step through a registered agent — there is no independent path drawn in it. Read that with the disclosure on this site in mind: the author runs a licensed agency, so check requirement 3 and the flowchart yourself rather than taking our word for it. Older MOTAC guidance did describe applying independently; if you are relying on that, ask the One Stop Centre directly before you commit.
Why is Platinum's participation fee RM200,000 when Gold's is RM3,000?: Because they are structured as different products rather than as a simple ladder. Silver charges RM1,000, Gold RM3,000, Platinum RM200,000. The processing fee is the same across all three: RM5,000 for the principal and RM2,500 per dependant.
Does MM2H have an income requirement?: No income threshold is published and none is applied. That is not the same as bringing nothing: an applicant is still expected to show they can sustain themselves in Malaysia, so bank statements or proof of income are worth attaching even though no figure has to be met. Qualification itself is on capital — the fixed deposit and the property purchase — which is why MM2H stays open to applicants whose wealth is in assets rather than in monthly income. Stated by MYPVIP practice, 28 July 2026; MOTAC's guide publishes no income figure either way.
Is there tax on my foreign income?: MOTAC states no tax on foreign funds or income, and none on the profit from fixed deposits held in Malaysia. Tax treatment can change and depends on your own residence position — take advice on your specific circumstances.

Written and reviewed by Jason Yap, Managing Director of MYPVIP.
Last reviewed 28 July 2026.

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