Malaysia · Policy analysis
Malaysia MM2H: Using Your Deposit for a Home
Federal MM2H participants may apply to withdraw up to half their fixed deposit for a home and other specified expenses in Malaysia. Planning a purchase still means finding the full initial deposit and allowing for property payments that may fall due before a withdrawal is approved.
The withdrawal limit is 50%
The federal Silver, Gold and Platinum categories allow participants, after approval, to apply to withdraw up to 50% of their fixed deposit for property, education, medical and tourism expenses in Malaysia.[1][2][3] This article covers those three categories. State programmes, special-zone applications and approvals under earlier rules have separate conditions.
| Category | Deposit | 50% ceiling |
|---|---|---|
| Silver | 150,000 | 75,000 |
| Gold | 500,000 | 250,000 |
| Platinum | 1,000,000 | 500,000 |
The ceilings above are calculated from the published US-dollar thresholds. The amount released depends on the approved use and the relevant banking requirements. A ministry announcement dated 28 May 2025 encourages deposits in the equivalent Malaysian-ringgit amount; confirm the account currency and conversion arrangements when opening the deposit.[4]
The purchase deadline follows endorsement
The same announcement gives Silver, Gold and Platinum participants one year after MM2H pass endorsement to complete their house purchase.[4] Use the endorsement date when planning that deadline, rather than assuming it starts with submission of the application or receipt of an approval letter.
The announcement has a separate withdrawal provision for a home bought before endorsement: the purchase must fall within the preceding two years and meet the category’s minimum property value.[4] This provision addresses an existing purchase; it does not require everyone to buy in advance.
For example, a purchase 18 months before endorsement falls within that window, while one made 30 months earlier does not. The date is only one condition: the transaction and property value still need to be checked. For a home bought after endorsement, confirm the withdrawal procedure separately with the authority and bank.
Budget for the full deposit first
A Silver applicant must initially meet the US$150,000 deposit requirement. Even if US$75,000 is later approved for withdrawal, the opening requirement remains US$150,000.
A property transaction has its own payment deadlines, while a withdrawal requires approval and bank processing. If an instalment falls due first, another source of available funds is needed. A useful budget separates the full deposit, dated property payments, and transaction and living costs. A possible withdrawal can then be recorded as a later return of funds.
Keep records that explain the spending
Organise records by purpose, date, payer and recipient, with the supporting documents alongside them. A sale agreement and payment records help explain a property purchase; education or medical spending should correspond to actual bills. The authority and bank determine which documents they accept and how to submit them.
Before committing to an expense, obtain written guidance on the eligible use, amount and procedure. Permitted withdrawals have defined purposes. Approval to withdraw does not remove the remaining deposit, property-holding or residence conditions.[5]
Official sources
1. MM2H: Silver category conditions
2. MM2H: Gold category conditions
3. MM2H: Platinum category conditions
General information. Check the applicable rules, documentary requirements and fees for the individual application.