| Tier | Fixed deposit | Visa term | Min. property | Participation fee | Renewal |
|---|---|---|---|---|---|
| Silver | USD 150,000 | 5 yrs, renewable | RM 600,000 | RM 1,000 | RM 1,500 |
| Gold | USD 500,000 | 15 yrs, renewable | RM 1,000,000 | RM 3,000 | RM 3,000 |
| Platinum | USD 1,000,000 | 20 yrs, renewable | RM 2,000,000 | RM 200,000 | RM 5,000 |
There is also a Special Economic / Financial Zone (SEZ/SFZ) category with a lower fixed deposit — USD 65,000 for ages 21–49, USD 32,000 for ages 50+. Sarawak runs its own separate programme (S-MM2H) with different rules entirely.
Foreign purchases need written consent from the state land authority, and every state sets its own minimum price. These floors sit on top of the MM2H minimum — whichever is higher is the one that binds you.
Same threshold for strata and landed. Consent goes through the federal EPU, which is why KL is usually the most predictable place for a foreigner to buy — roughly 3–4 months.
Petaling, Gombak, Hulu Langat, Sepang, Klang, Kuala Selangor, Kuala Langat — which covers essentially every major Selangor address. Raised from RM1M, so older guides online are out of date.
Hulu Selangor and Sabak Bernam only.
Measured against the state floors above — RM1M in KL, RM2M in Selangor. The price shown on each card is the developer's entry price for the smallest layout. On a few of these the entry unit sits below the threshold while the larger layouts clear it comfortably — those are marked, and I'll tell you exactly which unit types qualify. Always confirm the specific unit price before you commit.
Direct submissions are no longer accepted — every application must go through an agent licensed by MOTAC. I'm a licensed real estate negotiator, not an MM2H agent, so I'll refer you to one and stay on the property side.
Passport, CV, bank statements, proof of liquid assets, and a police clearance letter from your home country. The One-Stop Centre reviews the file and issues a Conditional Approval Letter.
Opened with a Malaysian bank at the level for your tier. After the first year you may withdraw up to 50% for approved purposes — buying property is one of them, alongside medical and education costs.
Screening at a registered Malaysian clinic, medical insurance valid in Malaysia, and a personal bond — usually lodged by your agent on your behalf.
Immigration endorses the Social Visit Pass in your passport. On the property side you'll also need state consent for the purchase, which is where I come in — I'll shortlist what qualifies and walk the sites with you.
The purchase price is the part everyone plans for. The rest of it is what surprises people — especially the 8% stamp duty and the fact that foreigners are typically capped near 70% financing rather than the 90% a Malaysian would get. Worked example on a RM1M KL condo:
| Cost | Amount | Note |
|---|---|---|
| Purchase price | RM 1,000,000 | At the KL threshold |
| Down payment | RM 350,000 | Assuming 65% financing |
| Stamp duty on transfer | RM 80,000 | 8% flat, non-citizen rate from 2026 |
| Loan agreement stamp duty | RM 3,250 | 0.5% of the loan |
| Legal fees | ~RM 12,000 | SPA and loan agreement |
| State / EPU consent fee | ~RM 10,000 | Selangor runs higher, RM10k–25k |
| Valuation and misc. | ~RM 4,000 | Valuation, searches, admin |
| Cash needed | ~RM 459,000 | Before furnishing |
Indicative only — financing margin, legal fees and consent fees vary by bank, lawyer and district. Ask me for a proper breakdown on the specific unit you're considering.
Every foreign purchase needs written consent from the state authority (or the EPU for KL). This is not a formality. If the purchase price sits below the state minimum, consent is refused — the price on the SPA is what gets measured, so a bargain subsale or an auction win below the floor will fail regardless of what the property is worth. Budget 3–4 months for KL, longer in most states.
Two more things specific to MM2H buyers: you're generally expected to buy directly from the developer rather than on the secondary market, and MM2H participants are typically limited to one residential unit per family. Confirm both with your lawyer for the state you're buying in, because these conditions are set at state level and do get revised.
Disclaimer: This page is general information for property buyers, not immigration, legal, tax or financial advice, and I am not a licensed MM2H agent. Figures are drawn from MOTAC's published 2026 tier structure and state land authority thresholds current at the time of writing, and they do change. Verify everything with a licensed MM2H agent and your own lawyer before committing funds.