MM2H financial requirements, explained properly
The numbers are only half the story. Here is what each requirement actually means for your capital.
Figures verified June 2026 · MOTAC framework; cross-checked vs Wise, Golden Visa Map, IMI Daily (MM2H 3.0, June 2024)
At a glance
2026 financial thresholds
| Tier | Fixed deposit | Property minimum | Visa duration |
|---|---|---|---|
| Platinum | USD 1,000,000 (≈ RM 4.7M) | RM 2,000,000 | 20 years (renewable) |
| Gold | USD 500,000 (≈ RM 2.3M) | RM 1,000,000 | 15 years (renewable) |
| Silver | USD 150,000 (≈ RM 700K) | RM 600,000 | 5 years (renewable) |
| SEZ/SFZ | USD 65,000 (age 21–49) / USD 32,000 (age 50+) | RM 500,000 (Forest City / approved SEZ zones) | 10 years (renewable) |
What changed in June 2024
The restructuring known as “MM2H 3.0” removed the two requirements that used to trip people up: the minimum monthly offshore income and the minimum liquid-asset test. In their place is a simpler, wealth-based model — a tier fixed deposit denominated in US dollars, plus a property purchase. If you are reading an older guide that quotes an RM 40,000/month income rule, it is out of date.
The fixed deposit
The deposit is the figure everyone fixates on — but it is not a fee. It stays yours, sits in an approved Malaysian bank, and earns interest (recently in the region of 2.8–3.2%). On the USD 500,000 Gold deposit — roughly RM 2.3M at current rates — that is on the order of RM 60,000+ a year. Once you are an approved MM2H participant, up to half the deposit can typically be withdrawn for approved purposes such as property, medical, education, or domestic tourism in Malaysia. The real cost is the opportunity cost of capital you cannot deploy elsewhere while it is held.
The property purchase
Each tier carries a minimum property purchase — RM 600,000 (Silver), RM 1,000,000 (Gold), and RM 2,000,000 (Platinum) — usually completed after conditional approval. State-level minimums for foreign buyers apply on top of the MM2H rule, so the effective floor in your chosen state can be higher. Budget for acquisition costs (stamp duty, legal and agent fees) beyond the sticker price.
The fees
Separate from the deposit and property, budget for a one-off government participation fee — RM 1,000 (Silver), RM 3,000 (Gold), or RM 200,000 (Platinum) — plus dependant fees, your appointed agent’s fee, and medical and good-conduct paperwork. Government fees are subject to SST (currently 8%). Fees and the SST rate are periodically revised, so confirm the current figures before you apply.
In 15 minutes, you’ll know your next move
A free discovery call — not a sales call. You walk away with a clear, honest read of your situation, even if that read is “not yet, and here’s why.”
- Which MM2H tier your numbers actually reach — and the gap if they don't
- The 2–3 neighbourhoods that fit your budget, schools, and commute
- Your real all-in cost, and the one or two mistakes people in your situation make