Malaysia · Retire or live on savings
Malaysia MM2H Silver
Savings needed: $150k+
Malaysia My Second Home (MM2H) Silver
First checked against official sources on Change log
Key facts
MM2H Silver is a retire or live on savings route for Malaysia. Applicants need savings of $150k+. You can work locally. Checked 2026-10-11 against the official source.
- Money needed
- $150k+
- Government fees
- MYR 1,000 ≈ $240 · +3 more
Cost, time and long term
To apply: 3 government fees listed below; savings to show $150k+. No lawyer or agent fee is included.
Government feesMYR 1,000 ≈ $240 · +3 more
- MYR 1,000 (≈ $240)One-off participating fee per principal application; no participating fee for dependants.
- MYR 5,000 (≈ $1,220)Processing fee for the principal applicant.
- MYR 1,500 (≈ $370)Renewal fee for principal and dependants, renewal in 5-year steps after the programme period.
- MYR 2,500 (≈ $610)Processing fee for each dependant.
Shown, not spent$150k+
- $150,000Fixed deposit in a licensed Malaysian financial institution.
Invested and heldMYR 600k+ ≈ $147k
- MYR 600,000 (≈ $147,000)Compulsory purchase of a residence worth RM 600,000 or more.
RenewalRenewable
The MM2H pass is renewable; its validity depends on the validity of your passport.
CitizenshipGeneral rule: 10 years of residence
Naturalisation needs residence in Malaysia for at least 10 of the 12 years before applying, including the last 12 months, plus Malay language knowledge, good character and intent to settle permanently.
Where to applyWhere to apply
Applications go through a licensed MM2H operator and the One Stop Centre.
Presence rulesNo minimum stay
Participants aged 25 to 49 must be in Malaysia 90 days a year in total (the principal, spouse and dependants can share this). There is no minimum stay from age 50.
Why this route may not fit
Check this before you apply.
- Only from age 25
What you'll need
Who can apply1
- The main applicant is aged 25 or over.
What you must show6
- A residence worth MYR 600,000 (≈ $147,000) or more must be purchased.
- A fixed deposit of USD 150,000 is held in a licensed Malaysian financial institution.
- Up to 50% of the principal fixed deposit may be withdrawn after approval for a residence purchase, education, medical care or tourism activities in Malaysia.
- The one-off participating fee is MYR 1000 (≈ $240) per principal application; dependants pay no participating fee.
- The processing fee is MYR 5000 (≈ $1,220) for the principal applicant and MYR 2500 (≈ $610) for each dependant.
- The renewal fee is MYR 1500 (≈ $370) for the principal and dependants, in 5-year steps after the programme period.
Steps2
- Applications go through an MM2H operator licensed by the Ministry of Tourism, Arts and Culture and the One Stop Centre.
- The principal and dependants take a medical check-up at a panel clinic after approval.
After you arrive4
- Participants aged 25 to 49 must be present 90 cumulative days a year; the principal, spouse and dependants may meet this together.
- There is no minimum stay from age 50.
- After approval the participant must buy and own a residence.
- The residence cannot be sold for 10 years except to upgrade to a higher-value property.
What happens at day 182
How Malaysia decides tax residence and treats foreign-source income, from its tax records.
- Tax residence
- At least 182 days in a calendar yearTax residence in Malaysia follows presence of 182 days or more.
- At least 182 days in a basis year (calendar year)Presence in Malaysia of 182 days or more makes an individual resident; fewer than 182 days generally means non-resident.
- Foreign-source income
Foreign-source income exempt
Resident individuals are exempt from tax on foreign-source income received in Malaysia from 1 January 2022 to 31 December 2036, except income from partnership businesses.
- Special regime
Exemption for foreign-source income received by resident individuals · Tax relief
All tax rules for Malaysia Tax records checked
Full official text
Malaysia My Second Home Silver category: renewable multiple-entry pass for foreign nationals who hold a Malaysian fixed deposit, pay a one-off participating fee and buy a residence. 1 2 3
What you must show and pay
- An investment of at least MYR 600,000 (≈ $147,000) · Compulsory purchase of a residence worth RM 600,000 or more. 1
- Savings of at least $150,000 · Fixed deposit in a licensed Malaysian financial institution. 1
- A fee of MYR 1,000 (≈ $240) · One-off participating fee per principal application; no participating fee for dependants. 1 2
- A fee of MYR 5,000 (≈ $1,220) · Processing fee for the principal applicant. 2
- A fee of MYR 2,500 (≈ $610) · Processing fee for each dependant. 2
- A fee of MYR 1,500 (≈ $370) · Renewal fee for principal and dependants, renewal in 5-year steps after the programme period. 1 2
Requirements
- The main applicant is aged 25 or over. 2 3
- A residence worth MYR 600,000 (≈ $147,000) or more must be purchased. 1
- A fixed deposit of USD 150,000 is held in a licensed Malaysian financial institution. 1
- Up to 50% of the principal fixed deposit may be withdrawn after approval for a residence purchase, education, medical care or tourism activities in Malaysia. 1 3
- The one-off participating fee is MYR 1000 (≈ $240) per principal application; dependants pay no participating fee. 1 2
- The processing fee is MYR 5000 (≈ $1,220) for the principal applicant and MYR 2500 (≈ $610) for each dependant. 2
- The renewal fee is MYR 1500 (≈ $370) for the principal and dependants, in 5-year steps after the programme period. 1 2
- Applications go through an MM2H operator licensed by the Ministry of Tourism, Arts and Culture and the One Stop Centre. 3
- The principal and dependants take a medical check-up at a panel clinic after approval. 3
- Participants aged 25 to 49 must be present 90 cumulative days a year; the principal, spouse and dependants may meet this together. 2 3 1
- There is no minimum stay from age 50. 2 3 1
- After approval the participant must buy and own a residence. 1 3
- The residence cannot be sold for 10 years except to upgrade to a higher-value property. 1 3
Stay
- MM2H pass valid 5 years with a multiple-entry visa, renewable; pass validity follows passport validity.
- Visa validity: 60 months. Validity is the window to use the visa, not the length you may stay.
- Renewable, subject to the conditions in force at renewal.
Nationality
Open to eligible foreign individuals from countries that have diplomatic relations with Malaysia.
Work
Business, investment activities and career opportunities are not allowed under Silver.
Family
Spouse; children under 21 (ages 21 to 34 only if unemployed and single in Malaysia); disabled children of any age; parents and parents-in-law. Your spouse or partner may not work in Malaysia on this visa.
Official sources
- MM2H Silver Category · Ministry of Tourism, Arts and Culture · checked 2026-10-10
- MM2H Category Overview and requirements · Ministry of Tourism, Arts and Culture · checked 2026-10-10
- MM2H Guidelines · Ministry of Tourism, Arts and Culture · checked 2026-10-10
- Application for citizenship under Article 19 of the Federal Constitution (aged 21 and over) · National Registration Department (JPN), Malaysia · checked 2026-10-11
MM2H Silver and its alternatives
| Route | Money needed | Stay | Work |
|---|---|---|---|
| MM2H Silver | Needs savings of $150k+ | – | Yes |
| MM2H Platinum | Needs savings of $1M+ | – | Yes |
| MM2H Gold | Needs savings of $500k+ | – | Yes |
| MM2H SEZ | Needs savings from $32k | – | Yes |
| LTR · Wealthy Pensioner Thailand | Needs income of $80k+ a year | 5 yr, renewable | – |
Questions people ask
How much money do I need for the MM2H Silver?
An investment of at least MYR 600,000 (≈ $147,000). Compulsory purchase of a residence worth RM 600,000 or more. Savings of at least $150,000. Fixed deposit in a licensed Malaysian financial institution. A fee of MYR 1,000 (≈ $240). One-off participating fee per principal application; no participating fee for dependants. A fee of MYR 5,000 (≈ $1,220). Processing fee for the principal applicant.
How long can I stay on the MM2H Silver?
MM2H pass valid 5 years with a multiple-entry visa, renewable; pass validity follows passport validity.
Can I work on the MM2H Silver?
Yes. Business, investment activities and career opportunities are not allowed under Silver.
Can I bring my family on the MM2H Silver?
Spouse; children under 21 (ages 21 to 34 only if unemployed and single in Malaysia); disabled children of any age; parents and parents-in-law.
Is there a tax break for MM2H Silver holders in Malaysia?
Malaysia: exemption for foreign-source income received by resident individuals (1 January 2022 to 31 December 2036): Resident individuals are exempt from tax on foreign-source income received in Malaysia from 1 January 2022 to 31 December 2036, except income from partnership businesses. It's separate from the visa and has its own conditions.
Tax
Special regime
Malaysia: exemption for foreign-source income received by resident individuals (1 January 2022 to 31 December 2036)
Tax relief
Details
Resident individuals are exempt from tax on foreign-source income received in Malaysia from 1 January 2022 to 31 December 2036, except income from partnership businesses. Income from work performed in Malaysia is taxed at normal resident rates.
Taxed on
Foreign-source income received in Malaysia by an individual tax resident; Malaysian-source income (including pay for work exercised in Malaysia) is taxed under normal resident rates.
Who it applies to
- The individual is a Malaysian tax resident for the basis year, normally present 182 days or more.
- The income arises outside Malaysia and is received in Malaysia by the individual.
- The income is not partnership business income.
Exclusions
- Income from work exercised in Malaysia is Malaysian-source whoever pays it and is taxed under the resident scale rates.
- Partnership business income is outside the individual exemption.
Days in the country
- At least 182 days in calendar year · Resident for tax in Malaysia if present 182 days or more in the year; linked-year and 90-day tests also exist.
Tax residence
Residence follows physical presence of 182 days or more in the basis year; linked-year and 90-day tests also exist.
Visas
No visa grants this exemption; it applies to any tax-resident individual. MM2H separately states a tax exemption on foreign funds and income.
Other taxes
Sales and service tax, employee contributions and withholding tax are separate.
Checked against official sources on Change log
More in Malaysia
Retirement and live-on-savings visas elsewhere
Head to head
≈ USD figures are approximate: daily reference rates from ExchangeRate-API, dated 12 Oct 2026, refreshed when the site is updated.
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How this was checked
Checked on 2026-10-11 against 4 official sources. Status: verified against the official sources.
Every figure on this page comes from the official source it links to. The record was researched against these sources, then reviewed separately, with special attention to effective dates and amendments. Where a source does not state something, the page leaves it out.
- MM2H Silver Category · Ministry of Tourism, Arts and Culture · checked 2026-10-10
- MM2H Category Overview and requirements · Ministry of Tourism, Arts and Culture · checked 2026-10-10
- MM2H Guidelines · Ministry of Tourism, Arts and Culture · checked 2026-10-10
- Application for citizenship under Article 19 of the Federal Constitution (aged 21 and over) · National Registration Department (JPN), Malaysia · checked 2026-10-11
Tracked since 2026-10-10. Rule changes and corrections are listed on the changes page, and the methodology page explains how facts are checked. Found something out of date? Email contact@stayglobe.app with a link to the official source.