Malaysia My Second Home
MM2H Guide 2026, Buy Property in KLCC & TRX
The MM2H programme gives qualified foreign nationals a long-stay visa of 5 to 20 years across three tiers: Silver, Gold, and Platinum. The mandatory property purchase doubles as your qualifying asset, and selling after five years cuts RPGT on gains from 30% to 10%. It remains the most investor-friendly long-stay pathway in Southeast Asia.
2026 Criteria
The Three MM2H Tiers
The 2024 revision replaced the old single-track programme with Silver, Gold, and Platinum tiers, plus a separate Special Economic Zone category for Forest City. Criteria are subject to change, contact Ryan to verify thresholds before applying.
Silver
- Fixed Deposit
- USD 150,000
- Property Purchase
- RM 600,000 min.
- Pass Duration
- 5 years, renewable
The entry tier. Note the RM 600,000 tier floor sits below KL's RM 1,000,000 foreign-buyer threshold, so in practice KLCC and TRX purchases start at RM 1,000,000.
Gold
- Fixed Deposit
- USD 500,000
- Property Purchase
- RM 1,000,000 min.
- Pass Duration
- 15 years
The sweet spot for most KLCC and TRX buyers: one long pass, and the property minimum matches the KL foreign-buyer floor exactly.
Platinum
- Fixed Deposit
- USD 1,000,000
- Property Purchase
- RM 2,000,000 min.
- Pass Duration
- 20 years
The only tier that permits working and running a business in Malaysia. Suits buyers targeting branded residences and larger units.
Rules That Apply to Every Tier
Minimum Age
25 years
Lowered from 35 in the 2024 revision; spouse and children can be included as dependants
Minimum Stay
90 days / year
Cumulative days in Malaysia per year; can be met by the principal or dependants
Property Purchase
Mandatory
Buy within roughly one year of approval and hold for 10 years; sell early only with an equal or higher value replacement
Income Requirement
None
The old RM 40,000 monthly offshore income and RM 1,500,000 liquid asset rules were removed
Deposit Withdrawal
Up to 50%
After the qualifying property purchase, for property, education, or medical expenses
Application Route
Licensed agent
Submission only through a MOTAC-licensed MM2H agent; allow 3 to 6 months for complete applications
Why MM2H
Key Benefits for Property Investors
Stamp Duty: 8%, Not Singapore's 60%
MM2H does not discount stamp duty. Since 1 January 2026 every foreign buyer, MM2H holders included, pays a flat 8% on residential transfers: RM 240,000 on a RM 3,000,000 KLCC apartment. Singapore charges foreign buyers 60% Additional Buyer's Stamp Duty, roughly RM 1,800,000 on an equivalent unit, so the gap still firmly favours KL.
10% RPGT After Five Years
Malaysia taxes property gains through RPGT. Foreign sellers, MM2H holders included, pay 30% on gains within the first five years and 10% from year six onward. There is no annual property holding tax and no inheritance tax, so the long-hold tax bill stays light by regional standards.
Multiple-Entry Freedom
The MM2H pass allows unlimited entries and exits for its full 5 to 20 year term. The 2026 rules ask for 90 cumulative days in Malaysia per year, a threshold most second-home owners cross without trying.
Family Inclusion
Spouse and unmarried children under 21 can be included on the same MM2H pass. Parents may also be included under the Dependent Pass, making it a full household relocation pathway.
No Foreign Income Tax
Malaysia does not tax income derived from outside the country for non-residents. MM2H holders with offshore income streams, dividends, rental income, pensions, pay no Malaysian tax on those earnings.
One Car Import Permitted
MM2H holders may import one motor vehicle duty-free, or purchase one locally assembled vehicle at zero import duty, a significant saving on premium vehicles.
Buying Process
How to Buy Property in Malaysia as a Foreigner
The property purchase process is independent of MM2H approval, both can run in parallel. Ryan coordinates the timeline so your visa and property complete together.
01
Letter of Offer
Pay a 3% booking deposit. Your agent prepares the Letter of Offer or Booking Form to secure the unit.
02
Appoint Lawyer & Sign SPA
Appoint a Malaysian property lawyer. The Sale and Purchase Agreement (SPA) is finalised within 30 days of the Letter of Offer.
03
Pay 10% Down Payment
Pay a further 7% (total 10%) upon signing the SPA. Your lawyer holds the funds in escrow.
04
Foreign Consent & Stamping
Your lawyer handles SPA stamping, land office procedures, and obtains Foreign Consent from the state authority, typically around one month.
05
Settle the Balance
Pay the remaining 90% within 3 months of SPA execution. Late payments attract 8% per annum interest.
06
Key Handover
Keys are handed over and the property title is transferred into your name. Your Malaysian asset is now legally yours.
Where to Buy
KLCC or TRX for Your MM2H Address?
KLCC
Established Prestige
KLCC offers the Petronas Twin Towers, Suria KLCC, and KLCC Park on your doorstep, an address with immediate global recognition and an established expatriate community. Proven resale liquidity and the deepest pool of comparable properties make it the natural default for MM2H applicants who prioritise a turnkey luxury lifestyle.
Browse KLCC Listings →TRX
New Cycle Upside
TRX is purpose-built, cleaner, newer, and still early in its pricing cycle. Exchange 106 (Malaysia's tallest tower), The Exchange TRX Mall, and a 10-acre City Park are all walkable. For MM2H applicants who want to be at the leading edge of KL's urban evolution with stronger capital growth potential, TRX is the strategic choice.
Browse TRX Listings →Common Questions
MM2H FAQs
How do the Silver, Gold and Platinum MM2H tiers differ?
Silver requires a USD 150,000 fixed deposit and RM 600,000 minimum property purchase for a renewable 5-year pass. Gold raises the deposit to USD 500,000 and property to RM 1,000,000 for a 15-year pass. Platinum requires USD 1,000,000 and RM 2,000,000 property for a 20-year pass and is the only tier that permits working or running a business in Malaysia.
Is buying property mandatory under MM2H 2026?
Yes. Every tier requires a qualifying property purchase, typically within a year of approval, and the property must be held for 10 years. Selling earlier is only allowed if you replace it with a property of equal or higher value. This is why pairing the visa application with the property search from day one saves months.
Can I work in Malaysia on an MM2H visa?
Silver and Gold holders may not take local employment, though they can run overseas businesses remotely, receive foreign-sourced income, and invest locally including in property. Platinum tier holders may work and operate a business in Malaysia.
Do I need to live in Malaysia full-time?
No, but the 2026 rules require 90 cumulative days in Malaysia per year, and the days can be met by the principal applicant or dependants. The pass remains multiple-entry, so you can come and go freely the rest of the year.
Can I rent out my KLCC or TRX property?
Yes. Foreign owners, including MM2H holders, may legally lease their property to tenants and repatriate rental proceeds without restriction.
What happens to my fixed deposit after approval?
Once your pass is issued and the qualifying property purchase is complete, you may withdraw up to 50% of the fixed deposit for approved expenses such as the property itself, children's education, or medical costs in Malaysia. The remainder stays placed for the life of the pass.
How long does the full process take?
Allow 3 to 6 months for MM2H approval (complete applications), plus 3 to 6 months for property legal completion. Simultaneous processing is possible, contact Ryan to coordinate the timeline.
Do I need a licensed MM2H agent?
Yes, it is mandatory. Since the 2024 revision, applications can only be submitted through MM2H agents licensed under MOTAC. Ryan works alongside licensed agents so the visa application and the property purchase run on one coordinated timeline.
Get started
Interested in MM2H & a KLCC or TRX Property?
Ryan coordinates MM2H applications alongside property acquisition, so your visa and your keys arrive on the same timeline.