Residency & Golden Visas / Malaysia / Route
Malaysia · Investment 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.
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Up to 50% of the fixed deposit can be withdrawn after approval to buy a residence, or for education, medical and tourism spending in Malaysia.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 Up to 50% of the fixed deposit can be withdrawn after approval to buy a residence, or for education, medical and tourism spending in Malaysia.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.