马来西亚长期居留计划 : MM2H、S-MM2H、PVIP 签证 Malaysia Long Term Residency Programs: MM2H, S-MM2H, PVIP Visas
马来西亚提供几种长期居留选项给外国人：标准的马来西亚我的第二家园（MM2H）、苏丹依斯干达我的第二家园计划（S-MM2H，专为柔佛和特别经济区设计）和尊贵签证计划（PVIP）。这三种计划在申请条件、财务要求、工作权利和适合人群方面有显著差异。
| 签证项目 | 财务要求 | 有效期及续签 | 工作权利 | 家庭成员包含 | 购房要求 | 其他特点 |
|---|---|---|---|---|---|---|
| MM2H（银卡/金卡/铂金卡） | 固定存款6.5万–100万美金（视等级），购房60万–200万马币以上 | 5–20年，通常可续签 | 无（铂金卡可工作） | 配偶、子女、父母 | 需要购房 | 每年最少停留90天，离岸收入免税 |
| S-MM2H（特别经济区） | 固定存款3.2万–6.5万美元，购房限特别经济区 | 5或10年可续签 | 无 | 配偶、子女、父母 | 必须在特别经济区或自由贸易区购房 | 入门门槛低，适合特别经济区及邻近新加坡地区 |
| PVIP | 100万马币固定存款，20万马币申请费，4万马币月收入证明 | 20年，可续签 | 可工作（不限行业） | 配偶、子女、父母 | 无购房要求 | 无年龄限制，无最低停留要求，可经商投资 |
MM2H（马来西亚我的第二家园）
适合人群： 退休人士、远程工作者、希望以被动收入定居的外籍人士。
类别划分： 银卡、金卡、铂金卡，另有特别经济区版本。
主要优势： 家庭成员可随行，长期可续签，离岸收入免税，购房投资。
示例要求：
银卡：6.5万美元固定存款，购房60万马币以上，5年居留。
铂金卡：100万美元存款，购房200万马币以上，20年居留，允许工作投资。
工作权利： 普遍不允许，铂金卡除外。
其他提醒： 每年至少停留90天；可享受医疗服务；可带家属。
S-MM2H（特别经济区计划）
适合人群： 专为柔佛及特定经济走廊设计，适合新加坡人及需要靠近新加坡的外籍人士。
优势与要求：
固定存款较低：50岁以上3.2万美元，以下6.5万美元。
购房限制在指定的特别经济区和自由贸易区。
有效期5年或10年，可续签。
工作权利： 无。
适合对象： 寻找在特定区域成本较低居留身份者。
PVIP（尊贵签证计划）
适合人群： 高净值投资者、创业者、商务人士。
主要优势： 最长期限（20年），完全工作权利，经营企业或投资无限制，无年龄及最低居留限制。
申请条件：
固定存款100万马币（约21万美元）
申请费20万马币
每月证明离岸收入4万马币（约9000美元）。
工作权利： 完全开放，配偶及成年子女亦可工作。
家庭成员： 配偶、子女、父母。
购房要求： 无购房要求，但可投资。
适合对象： 需要业务自由度及长期安全，高财务能力人士。
主要区别和建议
PVIP适合希望自由工作、经商投资且财务实力雄厚的人士。
MM2H（银卡、特别经济区版本）适合退休、数字游民及有家庭需求但不需工作权利的人士。
S-MM2H则是针对柔佛和相邻地区，成本较低的经济区居留方案。
总结建议
若需经商、就业自由且具备较高经济能力，选择PVIP。
若希望以较低门槛获得家庭居留权，且无工作需求，选择MM2H（银卡/特别经济区）。
若定位在柔佛及附近经济区，且预算有限，选择S-MM2H。
Malaysia offers several long-term residency options for foreigners: the standard Malaysia My Second Home (MM2H), the Sultan Iskandar Malaysia My Second Home (S-MM2H, tied to Johor/Special Economic Zones), and the Premium Visa Programme (PVIP). These three schemes differ significantly in their eligibility criteria, financial commitments, permitted activities, and ideal applicant profiles.
| Visa Program | Financial Requirements | Duration & Renewal | Work Rights | Family Inclusion | Property Requirement | Other Notable Features |
|---|---|---|---|---|---|---|
| MM2H (Silver/Gold/Platinum) | Fixed deposit USD 65K–1M+ (varies by tier), property purchase RM 600k–2M+ | 5–20 years, usually renewable | No (work only for Platinum) | Spouse, children, parents | Yes (property purchase required) | Min 90 days/year stay, tax-free offshore income |
| S-MM2H (Special Economic Zone) | Fixed deposit USD 32K–65K, property purchase restricted to SEZ/SFZ zones | 5 or 10 years, renewable | No | Spouse, children, parents | Required in SEZ/SFZ zone | Lower entry bar, designed for SEZ/neighboring Singapore |
| PVIP | RM 1M fixed deposit, RM 200K fee, RM 40K monthly income | 20 years, renewable | Yes (unrestricted) | Spouse, children, parents | Not required | No age limit, no min stay, business/investment allowed |
MM2H (Malaysia My Second Home)
Target Group: Retirees, remote workers, expats seeking residency with passive income.
Tiers: Silver, Gold, Platinum, SEZ (Special Economic Zone).
Key Benefits: Family inclusion, long-term renewable stay, offshore income tax exemption, property investment.
Requirements (examples):
Silver: USD 65K fixed deposit, property RM 600K+, 5-year stay.
Platinum: USD 1M fixed deposit, property RM 2M+, 20-year stay plus right to work/invest.
Work Rights: Mostly not allowed, except for Platinum tier.
Other Notes: Must stay a minimum of 90 days/year; dependents covered; accessible healthcare.
S-MM2H (Special Economic Zone MM2H)
Target Group: Specifically designed for Johor and certain Malaysian economic corridors, attractive to Singaporeans and expats wanting quick cross-border access.
Benefits/Requirements:
Lower fixed deposit: from USD 32K (over 50) or USD 65K (under 50).
Property must be in approved SEZ/SFZ zones.
Duration: 5 or 10 years, renewable.
Work Rights: None allowed.
Best For: Those looking for affordable residency tailored to special regions of Malaysia.
PVIP (Premium Visa Programme)
Target Group: Affluent investors, entrepreneurs, business professionals.
Key Benefits: Longest stay (20 years), full right to work, run a business, or invest, no minimum age or stay.
Requirements:
RM 1 million fixed deposit (approx. USD 210K)
RM 200,000 participation fee
Proven offshore income of RM 40,000/month (~USD 9,000).
Work Rights: Yes, in any sector; spouses and adult children may also work.
Family Inclusion: Spouse, children, parents.
Property Requirements: None, but investments are permitted.
Ideal For: High-net-worth individuals needing business/investment/work flexibility.
Key Differences and Considerations
PVIP is best for those who desire the right to work, run a business, or invest with long-term security and can meet the highest financial criteria, including high income and deposit.
MM2H tiers (especially Silver or SEZ) suit retirees, digital nomads, and families with more modest means interested in long-term living, tax perks, and bringing dependents, but generally without work rights.
S-MM2H offers a cost-effective option for Malaysia-Singapore border zone residency, making it unique among options for those already connected to SEZ regions.
All schemes allow family inclusion and offer some level of property investment, but the minimums and type of property required vary significantly.
Final Thoughts
Choose PVIP if you are a business owner, require employment flexibility, and can meet higher financial thresholds.
Choose MM2H (Platinum/Silver/SEZ) if you are retiring or want residency with lower financial barriers and can forego the right to work.
Choose S-MM2H if you need the lowest-cost entry specifically in Special Economic Zones near Singapore or other border corridors.
Each program is tailored to a different applicant profile—select based on your financial situation, purpose of stay, and desired level of engagement in Malaysia's economic and social life.
