Official MOTAC programme
Federal MM2H
Families with substantial savings who want a longer stay path and can handle a property commitment.
Family lens
The education withdrawal allowance matters because part of the fixed deposit can be used for school-related costs after approval, subject to programme rules.
Official facts to start from
- Silver, Gold and Platinum categories start at age 25; SEZ/SFZ starts at age 21.
- Silver fixed deposit: USD150,000; pass validity: 5 years.
- Gold fixed deposit: USD500,000; pass validity: 15 years.
- Platinum fixed deposit: USD1,000,000; pass validity: 20 years.
- SEZ/SFZ fixed deposit: USD65,000 for ages 21-49, or USD32,000 for age 50 and above; pass validity: 10 years.
- Up to 50% of the principal fixed deposit may be withdrawn after approval for approved purposes including residence purchase, education, medical and tourism activities in Malaysia.
- MOTAC terms record a 90-day cumulative annual stay condition for the main categories.
Do not skip this check
- ! Property purchase rules differ by category and can involve large minimum values. Do not treat the fixed deposit as the only cost.
- ! Rules have changed recently; confirm the current PDF and any state-level property rules before paying an agent.
Sources checked
- MOTAC MM2H official guide
Ministry of Tourism, Arts and Culture Malaysia
- MOTAC MM2H terms and regulations
Ministry of Tourism, Arts and Culture Malaysia
- Malaysia My Second Home portal
Ministry of Tourism, Arts and Culture Malaysia