Residency & Golden Visas / Malaysia / Route
Malaysia · Residency route
A fixed deposit of USD 150,000 plus a compulsory property purchase of RM600,000 or more, for a 5-year renewable MM2H pass with family inclusion.
Last updated: 2026-10-01
Programme overviewنظرة عامة
Advising UAE residents on Asia-Pacific migration from our Dubai office.
MM2H has four categories, not three
| Category | Fixed deposit | Property purchase | Pass | Participation fee |
|---|---|---|---|---|
| Platinum | USD 1,000,000 | RM2,000,000 or above | 20 years | RM200,000 |
| Gold | USD 500,000 | RM1,000,000 or above | 15 years | RM3,000 |
| Silver | USD 150,000 | RM600,000 or above | 5 years | RM1,000 |
| SEZ / SFZ — Forest City, Johor | USD 65,000 (ages 21–49) or USD 32,000 (50+) | In Forest City, at the price set for SEZ developments | 10 years | RM1,000 |
Property purchase is mandatory in every federal tier, and the property cannot be sold for 10 years (upgrading to a higher-value property is allowed). Up to 50% of the fixed deposit can be withdrawn after approval to buy a residence, or for education, medical and tourism spending in Malaysia.
The minimum age is 25 (21 for SEZ/SFZ). Every tier requires 90 days a year in Malaysia, cumulatively — applicants aged 25 to 49 may meet this between principal, spouse and dependants, and there is no minimum stay from age 50. Only Platinum permits work and business. A medical check-up is mandatory, and pass validity is capped by passport expiry.
The Ministry of Tourism, Arts and Culture states the Platinum, Gold and Silver terms are accurate as of 22 July 2024; the SEZ/SFZ category was added later, and the Ministry's category pages were last updated on 10 February 2026.
Sarawak-MM2H is a different programme, and often a better one
Sarawak runs its own scheme with its own criteria, revised from 1 January 2025:
- minimum age 30
- fixed deposit RM500,000
- offshore income RM10,000 a month, or RM15,000 with a dependant
- a 5 + 5 year pass
- 30 days a year physically in Sarawak
- property purchase optional — RM600,000 in Kuching, RM500,000 elsewhere
That last point is the real differentiator: federal MM2H makes property compulsory, Sarawak does not. From 16 May 2025, personal sponsors for Sarawak-MM2H are limited to immediate family.
What MM2H is not
It is a long-stay visit pass. It does not lead to permanent residency and it does not lead to citizenship. Malaysia does not permit dual citizenship, and Malaysian citizenship under Article 19 needs ten of the previous twelve years' residence plus adequate Malay, granted at discretion.
Your Indian citizenship is entirely safe on MM2H — precisely because MM2H never becomes a citizenship. It is not a route to a Malaysian passport.
On the Premium Visa Programme
The Immigration Department's published PVIP criteria are an offshore income of RM40,000 a month, a RM1,000,000 fixed deposit, a pass of up to 20 years with no age limit, and permission to work and run a legal business. Applications go through authorised PVIP agencies. The Department does not publish PVIP's current operating status and the programme does not appear in its main visa index, so XIPHIAS confirms the position with an authorised agency before any application.
Talk to an immigration consultant in Dubai
XIPHIAS Immigration has guided families abroad since 2009, and our Dubai team works with UAE residents. We were named Best Immigration Consultant by The Times of India in 2022. Our immigration consultants in Dubai will take you through the current official requirements, costs and timeline.
Sources
- Malaysia My Second Home — Ministry of Tourism, Arts and Culture (authoritative)
- Immigration Department of Malaysia
- Sarawak — Ministry of Tourism, Creative Industry and Performing Arts
Verified against government sources on 30 September 2026.
What you getالمزايا
5-year renewable Social Visit Pass with Multiple Entry Visa.
Family inclusion: spouse; children under 21, or 21 to 34 if unmarried and unemployed; disabled children of any age; parents and parents-in-law.
Up to 50% of the fixed deposit can be withdrawn after approval to buy a residence, or for education, medical and tourism spending in Malaysia.
Access to Malaysia’s high-quality healthcare and education.
No minimum stay from age 50; 90 days a year, cumulatively, below that.
MM2H never affects your Indian citizenship.
Investment & costsالتكاليف
Qualifying investment
Fixed deposit (Silver tier)
Placed with a Malaysian bank. Up to 50% of the fixed deposit can be withdrawn after approval to buy a residence, or for education, medical and tourism spending in Malaysia.
Property purchase (compulsory)
RM600,000 or above; cannot be sold for 10 years, though upgrading to a higher-value property is allowed.
Government & due-diligence fees
Figures are indicative and exclusive of professional fees. Your advisor confirms an exact, written cost breakdown for your family size.
Eligibilityالأهلية
Requirements
Non-Malaysian nationals aged 25 and above.
A fixed deposit of USD 150,000 in a Malaysian bank.
A compulsory property purchase of RM600,000 or more.
Mandatory medical check-up and a police certificate.
Valid passport with at least 6 months’ validity.
Proof of funds
Who cannot apply
Criminal conviction or ongoing legal issues.
Failure to meet minimum financial requirements.
Submitting fraudulent documentation.
The processكيف نعمل
Submit Silver Application
Apply through the MM2H programme administered by the Ministry of Tourism, Arts and Culture, with all required documents.
Conditional Approval
Receive conditional approval confirming initial eligibility.
Open Bank Account & Deposit
Open a Malaysian bank account and place the USD 150,000 fixed deposit.
Purchase Property
Buy a property of RM600,000 or more; it cannot be sold for 10 years, though upgrading to a higher-value property is allowed.
Medical & Police Clearance
Complete the mandatory medical check-up and submit a police clearance certificate.
Receive 5-Year Pass
Receive a 5-year Social Visit Pass with Multiple Entry Visa, renewable and capped by passport validity.
Document checklistالوثائق
Identity
Certified copies required.
- ✦Valid passport
- ✦Birth certificate
Financial
Must cover last 12 months.
- ✦Bank statements
- ✦Proof of fixed deposit funds
- ✦Property purchase documents (sale and purchase agreement, title)
Compliance
Issued within last 6 months.
- ✦Police clearance certificate
- ✦Medical report
Your XIPHIAS advisor prepares a personalised document list at onboarding. The checklist above is indicative and may vary by family size.
Family scopeالأسرة
All eligible dependants can be included in one application or added after approval.
Age limits, dependency definitions, and addition fees vary by jurisdiction. Your advisor confirms exact rules at onboarding.
Risk notes
The Immigration Department's MM2H page (imi.gov.my) describes the pre-2024 terms, with RM100,000 and RM150,000 fixed-deposit maintenance; those apply to legacy participants only. Current terms are published by the Ministry of Tourism, Arts and Culture at mm2h.gov.my, whose category pages were last updated 10 February 2026.
MM2H is a long-stay visit pass. It does not lead to permanent residency or citizenship.
Malaysia does not permit dual citizenship. Malaysian citizenship under Article 19 requires ten of the previous twelve years' residence plus adequate Malay, and is discretionary — it is not a realistic outcome of MM2H.
Property purchase is mandatory in every federal MM2H tier. Under Sarawak-MM2H it is optional.
The Premium Visa Programme (PVIP) has published criteria, but the Immigration Department does not publish its current operating status and PVIP is absent from the Department's main visa index. XIPHIAS confirms the position with an authorised PVIP agency before any application.
Compliance
Federal MM2H has four categories: Platinum, Gold, Silver, and a separate Special Economic Zone / Special Financial Zone category for Forest City, Johor.
The SEZ/SFZ category requires a fixed deposit of USD 65,000 for applicants aged 21 to 49, or USD 32,000 for those 50 and over, and grants a 10-year pass.
The Platinum, Gold and Silver terms are stated by the Ministry as accurate as of 22 July 2024. The SEZ/SFZ category was added later; the Ministry's category pages were last updated on 10 February 2026.
Sarawak-MM2H is a separate programme with its own criteria, revised from 1 January 2025: minimum age 30, fixed deposit RM500,000, offshore income of RM10,000 a month (RM15,000 with a dependant), a 5 + 5 year pass, 30 days a year physically in Sarawak, and property purchase optional at RM600,000 in Kuching or RM500,000 elsewhere.
From 16 May 2025, personal sponsors for Sarawak-MM2H are limited to immediate family.
Questionsأسئلة شائعة
This route, answered.
A fixed deposit of USD 150,000 in a Malaysian bank plus a compulsory property purchase of RM600,000 or more, and a one-off participation fee of RM1,000.
Start the Malaysia route.
A senior advisor will confirm the exact costs, timeline and documents for your case — privately, and entirely off the record.