Malaysia has officially updated its Malaysia My Second Home (MM2H) program under version 3.0, introducing a tiered structure with significantly higher financial thresholds and new mandatory conditions, according to official information from the Ministry of Tourism, Arts and Culture (MoTAC).
MM2H 3.0 Three-Tier Structure: Silver, Gold, and Platinum Requirements
The program now operates with three distinct tiers: Silver, Gold, and Platinum. Each tier carries different financial requirements and visa durations. Applicants must be at least 25 years old.
Silver Tier: Fixed deposit of RM500,000; mandatory property purchase of RM600,000; visa valid for 5 years.
Gold Tier: Fixed deposit of RM1 million; mandatory property purchase of RM1 million; visa valid for 15 years.
Platinum Tier: Fixed deposit of RM5 million; mandatory property purchase of RM2 million; visa valid for 20 years.
Key Changes to Residency Status, Stay Requirements, and Fixed Deposit Rules
The official guidance states that the Platinum tier, previously associated with permanent residency, now offers a 20-year permit instead. The program has scrapped the route to permanent residency entirely.
The official annual stay requirement is 60 days per year. Some sources indicate this rule is being applied more strictly in practice; applicants should confirm current enforcement directly with MoTAC or a licensed MM2H adviser.
After one year, 50% of the fixed deposit may be withdrawn for approved purposes. MoTAC confirms eligible uses include property purchase, healthcare expenses, and tourism-related spending. The remaining balance must be maintained for the duration of the visa.
A new restriction requires that properties purchased under the program cannot be resold for ten years.
MM2H Agent Licensing Under the New Framework
Official information confirms that agents handling MM2H applications must reapply for their licenses under new criteria established by MoTAC. Applicants are advised to verify that any agent they engage holds a current license issued under the MM2H 3.0 framework before submitting an application.
Zagdim Analysis
The restructuring of MM2H 3.0 represents a significant shift in what the program demands from applicants. Based on available information, several factors are worth weighing carefully before proceeding.
- Capital commitment has increased substantially. The combination of higher fixed deposits and mandatory property purchases means applicants must be prepared to tie up significant funds across both requirements simultaneously. The ten-year resale restriction adds a further layer of illiquidity that is worth understanding before committing.
- The program is now oriented toward applicants who plan to genuinely use Malaysia as a second base. The 60-day annual stay requirement and long-term property holding condition suggest MM2H 3.0 is designed for applicants with a real intention to spend time in Malaysia, rather than those seeking a passive holding structure.
- The removal of the permanent residency pathway is a material change for long-term planners. Applicants who were previously drawn to MM2H as a route toward eventual settlement should note that the program now offers renewable long-stay permits rather than a progression toward permanent residency or citizenship.
Applicants should consult a licensed MM2H adviser or the MoTAC agent portal for application-specific requirements and current processing procedures.
Malaysia’s MM2H 3.0 marks a meaningful reset of the program’s financial and residency conditions. For anyone evaluating a long-stay option in Southeast Asia, the higher deposit thresholds, mandatory property commitment, ten-year resale restriction, and removal of the permanent residency pathway are all factors that deserve careful consideration before making a decision. Understanding the full scope of what you are committing to — and for how long — matters as much as the headline numbers.
Have questions about your situation? We can help you work through the options. Start here.
Sources
MoTAC – MM2H 3.0 Official Program Criteria / IMI Daily – MM2H 3.0 Deposit Tiers and Stay Requirements Analysis
This article is based on officially verified sources current as of May 2026. Requirements change frequently. Always confirm your specific situation with a licensed MM2H adviser or MoTAC directly.
