MM2H Silver vs Gold vs Platinum: Which Visa Tier Should You Choose?
MM2H Silver vs Gold vs Platinum – Which Tier Should You Choose in 2025?
Are you considering Malaysia’s My Second Home (MM2H) program but unsure which visa tier aligns with your goals? The MM2H program offers three primary tiers—Silver, Gold, and Platinum—each tailored to different financial capacities and long-term aspirations. This guide breaks down their differences, benefits, and requirements to help you make an informed decision.
MM2H Visa Tiers at a Glance
Here’s a quick comparison of the Silver, Gold, and Platinum tiers:
| Criteria | Silver | Gold | Platinum |
|---|---|---|---|
| Visa Duration | 5-year Renewable | 15-year Renewable | 20-year Renewable |
| Business Rights | Not Allowed | Not Allowed | Allowed |
| Agency Fee (One-Off) | RM40,000 | RM55,000 | RM70,000 |
| Government Participation Fee (One-Off) | RM1,000 | RM3,000 | RM200,000 |
| Fixed Deposit Requirement | USD 150,000 | USD 500,000 | USD 1,000,000 |
| Property Purchase Minimum | RM600,000 | RM1,000,000 | RM2,000,000 |
| Renewal Fee | RM1,500 | RM3,000 | RM5,000 |
| Minimum Stay Per Year | 90 days (ages 25-49) | 90 days (ages 25-49) | 90 days (ages 25-49) |
| Tax Exemption | Offshore income | Offshore income | Offshore income |
| Special Benefits | - | - | Employment rights, house maid allowed |
| Dependents Allowed | Spouse, children (≤34), parents (≥60) | ||
| Partial Withdrawal of Fixed Deposit | Up to 50% for property, medical, education, or tourism | ||
Detailed Breakdown of Each Tier
1. MM2H Silver Visa
Visa Duration: 5 years, renewable indefinitely.
Financial Requirements:
Fixed Deposit: USD 150,000 in a Malaysian bank.
Property Purchase: Minimum RM600,000 (approx. $128,000).
Fees:
Agency Fee: RM40,000 (one-time).
Participation Fee: RM1,000 (one-time).
Stay Requirement: 90 days/year for applicants aged 25–49 (exempt for those 50+).
Best For: Retirees or individuals seeking affordable long-term residency without business activities.
Key Restrictions:
Cannot sell purchased property for 10 years (unless upgrading).
No employment or business permitted.
2. MM2H Gold Visa
Visa Duration: 15 years, renewable.
Financial Requirements:
Fixed Deposit: USD 500,000.
Property Purchase: Minimum RM1,000,000 (approx. $213,000).
Fees:
Agency Fee: RM55,000.
Participation Fee: RM3,000.
Stay Requirement: Same as Silver (90 days/year for ages 25–49).
Best For: Wealthy retirees or families prioritizing extended residency and higher property investments.
Advantages Over Silver:
Longer visa validity reduces renewal hassles.
Higher property investment aligns with premium real estate opportunities.
3. MM2H Platinum Visa
Visa Duration: 20 years, renewable.
Financial Requirements:
Fixed Deposit: USD 1,000,000.
Property Purchase: Minimum RM2,000,000 (approx. $426,000).
Fees:
Agency Fee: RM70,000.
Participation Fee: RM200,000 (one-time).
Stay Requirement: 90 days/year for ages 25–49.
Best For: High-net-worth individuals or entrepreneurs seeking business rights and long-term stability.
Exclusive Benefits:
Employment & Business Rights: Start or join a business in Malaysia.
Bring a House Maid: Simplify household management.
Key Considerations When Choosing a Tier
Financial Capacity
Silver requires the lowest fixed deposit (USD 150k), while Platinum demands USD 1M.
Platinum’s RM200,000 participation fee is significantly higher.
Long-Term Goals
Platinum is ideal for entrepreneurs, while Silver/Gold suit retirees.
Family Needs
All tiers allow dependents (spouse, children up to 34, and parents).Property Investment
Higher tiers offer access to premium real estate markets.
Additional Benefits Across All Tiers
Tax Exemptions: Offshore income brought into Malaysia is tax-free.
Partial Fixed Deposit Withdrawal: Up to 50% for property, medical, education, or tourism expenses.
Dependents Included: Three generations under one application.
Application Process Overview
Consultation with an authorized agent (mandatory).
Submit documents (passport, medical reports, proof of funds).
Pay fees and place fixed deposit.
Complete visa endorsement and property purchase within 12 months.
FAQs
Q: Can I upgrade my tier later?
A: Yes, by reapplying under a higher tier and meeting its financial requirements.
Q: Is the 90-day stay mandatory for all applicants?
A: No—only for those aged 25–49. Applicants 50+ are exempt.
Q: Can I work in Malaysia with a Silver/Gold visa?
A: No. Employment is only permitted under Platinum.
Conclusion
Choosing between MM2H tiers depends on your budget, lifestyle, and goals:
Silver: Budget-friendly residency.
Gold: Extended stability for affluent retirees.
Platinum: Business opportunities and legacy planning.
By evaluating your priorities against each tier’s requirements, you can confidently select the MM2H visa that transforms Malaysia into your second home.
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