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how can we retire to malaysia without MM2h?
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TOPIC: how can we retire to malaysia without MM2h?

how can we retire to malaysia without MM2h? 9 years, 5 months ago #285

Salaam all,
i was looking into retiring to malaysia this time last year, initially after reading MM2h scheme, i thought we would be ledgible and so started to do mountains of research into malaysia, areas to live, the cost of living etc.. then,after reading in greater depth the requirements that stated over 50 year olds need 500K MYR in the bank (This i do not have), i shelved the idea, as i am 48yrs old, but will be 50 by the time we are ready to make the move!
However, i just cant shake off the idea of migrating to malaysia and was wondering, Is there any other way to proceed?
We have our own income (financially self sufficient) so we wouldnt have to find jobs in Malaysia. We have the required 10K MYR monthly income, and even some cash to buy property of our own, but thats it!..no extra 500K tucked away to deposit in a malaysian bank. This i believe is the only impediment we have for MM2h scheme.
Is it possible to just go to malaysia, rent a property for the time being, and live ther indefinately without mm2h? The problem i think is visas. i hear that you only get a 90 day visa - it seems hassle to have to find somewhere to go every 3 months or so out of the country and then re-enry visa on the way back - cant see my husband willing to do that for the rest of our lives. and what if we get refused one time?
we wouldnt be tourists, so dont need a tourist visa, we would be living there permanently and would want to take out medical health insurrance, get internet, phoneline etc.. all things that signify permant living.
I just cant shake off the idea of migrating to malaysia,although it looks unlikely UNLESS anyone has any suggestions?
we have booked a trip to go to KL and Penang in November on a fact finding trip, if anyone can give us some advice where to go for answers, or if anyone knows the answer im all ears. Thnk you all in advance,

Re:how can we retire to malaysia without MM2h? 9 years, 5 months ago #286

  • Isabelle
  • Administrator
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Salaams Shaz

Are you sure you need 500k deposit for MM2H? As far as I know (unless the rules have changed very recently) if you\'re over 50 the 10k income is enough by itself (but it has to come from specific types of pensions I think so it doesn\'t apply to all offshore income) OR 150k deposit (and you can use part of that 150k after a year for certain expenses like house purchase or medical bills):


Maybe call an MM2H agent to confirm the rules and see if you may be eligible?


Re:how can we retire to malaysia without MM2h? 9 years, 5 months ago #287

  • MyExpatMM2H
salaamz shaz

MM2H Visa Permit – Requirements as @ 04/10/2011

Successful applicants are required to comply with the following financial criteria upon receipt of the
“ conditional approval letter ” from Malaysia Immigration Department.

Applicants are expected to be financially capable of supporting themselves for ten years on this program in Malaysia, without the need to work in the country. Besides fulfilling the basic financial criteria of Fixed Deposit placement of RM150,000 (for those aged 50 and above) or RM 300,000 (for those aged below 50), applicants should furnish documentation on their financial position to strengthen their application.

Aged Below 50 years old
Open a fixed deposit account of RM300,000.
After a period of one year, the participant can withdraw up to RM150,000 for approved expenses relating to house purchase, education for children in Malaysia and medical purposes.
Must maintain a minimum balance of RM150,000 from second year onwards and throughout stay in Malaysia under this Malaysia My Second Home programme.

Aged 50 years and above

Will either:
- Open a fixed deposit account of RM150,000; OR
- Show proof of monthly off-shore income of RM10,000 pension without placing a fixed deposit.
Only applicants who are drawing from Government Pensions can be considered for the \" Monthly off - Shore Income \" criteria.
After a period of one year, participant who fulfills the fixed deposit criteria can withdraw up to RM50,000 for approved expenses relating to house purchase, education for children in Malaysia and medical purposes.
Participant must maintain a minimum balance of RM100,000 from the second year onwards and throughout his/her stay in Malaysia under this MM2H programme.

Successful applicants need to open their fixed deposits in Ringgit Malaysia (RM) only.
Participants need to obtain approval from Ministry of Tourism before proceeding to withdraw the fixed deposit.
Participants under this program may withdraw their entire fixed deposit anytime should they decide to terminate their stay in Malaysia under this program. However, they must obtain prior approval from the Ministry of Tourism.



Re:how can we retire to malaysia without MM2h? 9 years, 5 months ago #288

  • MyExpatMM2H
aslkm shaz

basically you have the wrong information or you have misunderstood the mm2h requirements.

as per our website & post previously let me make it clearer for you.

if you are under 50 the you must show RM500k as liquid assets you own (no property unless in malaysia) & RM10k average per month income. both criterias are for application purposes only & can be shown in any currency anywhere in the world.

for over 50 the amount to be shown is RM350k & RM10k respectively.

once approval is given then RM300k FD must be placed in malaysia in MYR of which 150k can be withdrawn after 1 year.

for over 50 the FD is RM150k of which 50k can be withdrawn after 1 year.

the FD can be reduced to the figures above in the first instance if malaysian paid property/ies of RM1m is shown at the time application.

i hope this is clear for you.

btw we have a 100% approval rating & are currently submitting on average 10 applications per month from people all over the world.

having a tourist visa stamped every 3 mths is not practical & you WILL be questioned at point of entry if done many times. they can refuse you on entry if it is determined you are living in malaysia without a proper visa. getting a bank account alone would prove to be very difficult without any visa unless opened from abroad with some of the international banks. so this would be a very risky move in my opinion.

if you have any further Qs do not hesitate to ask.

tc & wslm

ismail (from UK & a licenced MM2H agent)

Re:how can we retire to malaysia without MM2h? 9 years, 5 months ago #290

  • Isabelle
  • Administrator
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A number of people I know have lived here on tourist visas for months or years but some of them have been questioned at passport control when returning to Malaysia (although they were still allowed back in) so it\'s possible but yes best to go for MM2H if you don\'t want the hassle and stress and prefer to feel settled!

Re:how can we retire to malaysia without MM2h? 9 years, 4 months ago #299

As Salaamu Alaikum Ismail and Isabelle.
thank you both for replying to my post. Sorry for the delayed response, my cat has an infection in his paw and its been round the clock worry,trying to find a good qualified vet,then trying to medicate my reluctant cat. Anyway, last night i admitted him into the vet hospital for the next 5 days for them to inject the antibiotic he needs, i just couldnt do it, and he wouldnt let me. So Now i am free (for the next 5 days at least to continue planning my malaysia trip. ..aahhh.
Ismail,am still a bit confused about how much money we need for a fixed deposit - dont know if its just me, but your 2 posts differed in the amount for over 50\'s. Nevermind, not to worry about it at this stage, inshallah, i will try to make contact with you when we arrive in KL.Will be there from 1st NOV until 9th NOV. Inshallah.
Please can you tell me, will everything shut down for the eid period like it does here in Cairo?
According to my diary(?) it says that eid is SUNDAY 6th NOV. Is weekend sat-sun in Malaysia (coz here in egypt weekend is friday and saturday)and if so, i was wondering what the eid public holiday days would be? can you tell me.
also, the Eid Prayers is there one central famous place in KL, or are there so many different places. the place we have rented is called Andalucia, pantai hill park (said to be 3 km from a place called mid valley). Is there a central place where eid prayers are held in that area do either of you know? it would be great if we know where to go for eid prayers.
And Isabelle, thankyou so much for always replying to my mail, i dont know whether you remember, but about a year ago, i blogged into this forum and you blogged back, we kinda arranged to meet, but then my malaysia trip got cancelled coz we had to go back to uk for a while instead. Anyway, Jazak Allahu Khairan for your helpful tips and advice, and if Allah swt wills, may we meet someday.
..PS- there doesnt seem to be anybody living in Penang on this forum!!!i always look to see and hope someone ffrom there blogs in, but als for me, no one ever has! am wondering what kind of a place Penang will be. Am really hoping to see Muslims there, and hoping its not an ex-pat retirment pub,beach, culture like my image of spain or Portugal type of place. Am kinda hoping there will be a practising Muslim community where talks are arranged and i could get involved in the local comminuty activities inshallah. Do you have any knowledge on this?

Re:how can we retire to malaysia without MM2h? 9 years, 4 months ago #300

  • Isabelle
  • Administrator
  • Posts: 235
  • Karma: 4
Salaams Shaz

I hope your cat gets better soon inshAllah. To answer your questions:

- I believe there are 2 different amounts for MM2H because one amount is the minimum amount of liquid assets you have to show you own and the other is the amount you have to deposit in an account.
- Eid will be on Sunday 6 Nov in KL inshAllah and Monday 7 should be a bank holiday I think. Streets are generally quiet in KL on Eid as many Malaysians go back to their hometowns but shopping centre remain open even on Eid day. The weekend is Sat / Sun in Malaysia.
- For Eid prayers many expats go to Wilayah Mosque in Mont Kiara area - it\'s a large beautiful mosque so a nice place to pray, especially on Eid day. The local mosque in the area where you are staying should also hold Eid prayers - you can probably find your nearest masjid on Google maps.
- There will be a lunch on Eid day inshAllah where many Muslim expats meet up so do come if you can - details will be sent soon.
- There was a brother living in Penang participating to this forum - I will email him and see if I can put you in touch.

I pray you have an enjoyable and beneficial trip to Malaysia and hope to meet you then inshAllah.


Re:how can we retire to malaysia without MM2h? 9 years, 4 months ago #301

  • MyExpatMM2H
aslkm shaz

yes as isabelle has stated they are different. the RM500k liquid assets is for the financial criteria for application purposes only & the fixed deposit is the amount which needs to be placed in malaysia after approval is given & before stamping of the MM2H visa.

yes please do contact me when you arrive in kl. my mobile number is 013-6699757.


Re:how can we retire to malaysia without MM2h? 7 years, 5 months ago #587

  • Mariam
  • Fresh Boarder
  • Posts: 1
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Salam Ismail

Please advise whether you are still working with MM2H
My family (french nationals, husband-36 y.o, wife-35 y.o and 2 children age 4 and 1)relocated to Malaysia last month and based on the latest regulations we are unsure whether we are eligible.

-Own a property in Malaysia since 2007 (bought for RM 800,000 and currently valued at RM 1.3 million - not fully paid for ie. RM 500,000 owed to bank in mortgage in Malaysia).
-Can prove overseas income of more than RM 10,000/month.
-Can arrange RM 300,000 fixed deposit following application approval

Our main concern is RM 500,000 liquid asset to be shown as part of the initial application. We only have RM 400,000.

Based on your experience, do you believe that the fact that we own a property in Malaysia (details above) would help us be considered with RM 400,000 liquid assets instead of RM 500,000?

We look forward to hearing back from you


Mariam Conte

This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Re:how can we retire to malaysia without MM2h? 7 years, 5 months ago #588

salaam mariam.
my husband and i retired here under the mm2h scheme a year and a half ago. i dont know br. ismail, but we used a very good mm2h company that were quick, efficient and answered all our questions. i could pass on there contact details for you if you pm me and you can ring them inshallah. They were on the ball and always responded to my email same day; im sure they can advise you. I asume you are not currently living in malaysia, if you are, you can go to the mm2h office in putrajaya with all your documents and they will advise you directly.
The following user(s) said Thank You: Nurul

Re: how can we retire to malaysia without MM2h? 2 years, 8 months ago #1048

  • wq123
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