Malaysia MM2H SEZ/SFZ 2026 Forest City Second Home & Long-Stay Guide
Malaysia’s Special Economic Zone / Special Financial Zone MM2H category provides a 10-year renewable long-stay pathway with a lower fixed-deposit requirement than the national Silver, Gold and Platinum MM2H categories.
The pathway is specifically linked to qualifying residential property in Forest City, Johor and carries its own age, fixed-deposit, property and minimum-stay requirements.
SEZ/SFZ MM2H Is Specifically Linked to Forest City, Johor
Applicants should not treat this category as a general low-deposit MM2H pathway for purchasing property anywhere in Malaysia.
Under the current programme conditions, the compulsory residential purchase for the SEZ/SFZ category is in Forest City, Johor, subject to the applicable programme and Johor property conditions.
What Is MM2H SEZ/SFZ?
MM2H SEZ/SFZ is a special category within Malaysia’s Malaysia My Second Home programme.
It is designed as a long-stay pathway with a substantially lower fixed-deposit threshold than the Silver, Gold and Platinum categories, but this comes with specific conditions — most importantly the Forest City residential-property requirement.
Long Stay
A 10-year renewable MM2H category, subject to continued compliance.
Lower FD
Age-based fixed-deposit requirements of USD65,000 or USD32,000.
Family
Eligible dependants can be included subject to programme conditions.
Forest City
Residential property ownership in Forest City forms part of the pathway.
MM2H SEZ/SFZ Requirements at a Glance
Fixed deposit in a qualifying Malaysian financial institution.
Lower age-based fixed-deposit requirement.
Renewable subject to prevailing programme conditions.
One-off fee for the principal applicant.
Principal applicant.
For each dependant.
Annual cumulative requirement under current rules.
Current category overview shows no annual minimum stay.
The fixed deposit is only one component of eligibility. Property, documentation, medical, insurance, immigration and other programme requirements must also be satisfied.
Forest City Property Purchase
The SEZ/SFZ category differs significantly from the standard Silver, Gold and Platinum categories because its residential requirement is specifically connected to Forest City, Johor.
Current MOTAC guidance requires the qualifying Forest City residential purchase to be completed in accordance with the special SEZ/SFZ conditions before pass endorsement.
Current programme guidance specifically connects the SEZ/SFZ residential requirement to Forest City, Johor. The purchase must follow the applicable programme and state conditions.
How Long Must You Stay in Malaysia?
The current programme requires 90 cumulative days of presence per year, with the applicable family-counting rules.
The current official category overview indicates no minimum annual stay requirement for participants aged 50 and above.
Applicants should plan their category around their actual lifestyle, family and travel requirements rather than looking only at the fixed-deposit amount.
Who Can Be Included as a Dependant?
MM2H can support family-based long-stay planning, subject to the current dependant eligibility rules.
Eligible spouse of the principal participant.
Eligible biological, step or adopted children subject to age and programme conditions.
Medically certified disabled children may qualify without the normal age limitation.
Parents and parents-in-law may be included subject to requirements.
The applicable age, marital-status and employment conditions should be checked before submitting the family application.
Can You Withdraw Money from the MM2H Fixed Deposit?
The programme permits a maximum withdrawal of up to 50% of the principal fixed-deposit value for approved purposes, subject to the applicable timing and programme conditions.
Withdrawal is controlled by MM2H rules and should be coordinated against the prevailing programme and financial-institution requirements.
Can an SEZ/SFZ MM2H Holder Work or Run a Business?
The SEZ/SFZ MM2H category should not be treated as an Employment Pass or entrepreneur work visa.
Designed for residency/lifestyle purposes under the MM2H framework.
A proper company and applicable work/immigration pathway should be assessed if the individual intends to work.
Gold, Silver and SEZ/SFZ participants are not permitted under their MM2H category to conduct business, invest or pursue career opportunities. Applicants intending to actively work should obtain specific professional advice on the appropriate structure.
MM2H SEZ/SFZ Application Process
SEZ/SFZ vs Silver, Gold & Platinum MM2H
| Category | Fixed Deposit | Term | Minimum Property |
|---|---|---|---|
| SEZ/SFZ 21–49 | USD65,000 | 10 years | Forest City / applicable policy |
| SEZ/SFZ 50+ | USD32,000 | 10 years | Forest City / applicable policy |
| Silver | USD150,000 | 5 years | RM600,000+ |
| Gold | USD500,000 | 15 years | RM1,000,000+ |
| Platinum | USD1,000,000 | 20 years | RM2,000,000+ |
Programme conditions extend beyond the figures shown above. Always assess the complete eligibility requirements before selecting a category.
Common MM2H SEZ/SFZ Mistakes
Ignoring property, family, medical and other requirements.
Assuming any Malaysian property will satisfy the SEZ/SFZ requirement.
Not coordinating the Forest City purchase with endorsement requirements.
The qualifying residence is subject to long-term disposal restrictions.
SEZ/SFZ MM2H does not itself provide an employment pathway.
Assuming every adult child automatically qualifies as a dependant.
Applicants below 50 should plan around the applicable annual presence rule.
MM2H rules have changed repeatedly; current official requirements matter.
Structured MM2H SEZ/SFZ Advisory
A proper MM2H file requires coordination across programme eligibility, documents, authorised submission, banking, fixed deposit, property, family requirements and post-approval compliance.
File Structuring
RM15,000Eligibility, documentation, file preparation and coordination planning.
Submission
RM5,000Submission-stage coordination and application follow-up.
Approval & Completion
RM10,000Post-approval, endorsement and completion coordination.
MM2H SEZ/SFZ 2026 FAQ
What is the minimum age for MM2H SEZ/SFZ?
The principal applicant must be at least 21 years old under the current SEZ/SFZ category.
How much fixed deposit is required?
Applicants aged 21–49 require USD65,000, while applicants aged 50 and above require USD32,000 under the current programme.
How long is the SEZ/SFZ MM2H pass?
The current SEZ/SFZ category provides a 10-year renewable term, subject to prevailing conditions.
Can I buy property anywhere in Malaysia?
Not for satisfying the current SEZ/SFZ residential requirement. The programme specifically links the qualifying property purchase to Forest City, Johor.
Can I buy a resale property in Forest City?
Current MOTAC special guidance states that the qualifying purchase is to be made from the Forest City property developer rather than from a third party. This should be reconfirmed against the latest conditions before completing a purchase.
Can I sell the property?
The MM2H residence is generally subject to a 10-year restriction on sale, with programme provisions concerning upgrading to a higher-value residence.
Do I need to stay 90 days every year?
Applicants in the 21–49 age group are subject to the current 90-day cumulative annual requirement. The current category overview shows no minimum annual stay for participants aged 50 and above.
Can my family join me?
Eligible spouses, children and certain other family members can be included subject to the current dependant requirements.
Can I withdraw part of the fixed deposit?
Up to 50% may be withdrawn for permitted purposes, subject to the programme’s applicable timing and withdrawal conditions.
Can I work under SEZ/SFZ MM2H?
The SEZ/SFZ category should not be treated as an Employment Pass. Current MM2H guidance does not permit SEZ/SFZ participants to conduct business or pursue career opportunities under this category.
Can I apply directly?
Current MOTAC guidelines require applications to be submitted through an MM2H tour operating business licensed by MOTAC, with applications processed through the MM2H One Stop Centre.
Check Current Official Requirements
Because MM2H conditions can change, applicants should verify the prevailing programme rules before making a fixed deposit or purchasing property.
Planning Your Malaysian Second Home? Structure the File Before Committing the Capital.
We assist international clients with MM2H eligibility assessment, document structuring, banking and fixed-deposit coordination, property planning, family roadmap and post-approval compliance coordination through the appropriate authorised channels.