Malaysia My Second Home (MM2H)马来西亚第二家园计划（MM2H）

Yes, once your MM2H pass is issued and remains valid. You do not need to leave just to restart a tourist stay. You can also travel overseas and return with valid documents.可以，只要您的 MM2H 准证已签发且仍然有效。您不需要为了重新计算旅游停留期而离境。您也可以出国旅行，并凭有效证件返回。

Example: If your pass allows you to stay for five years, you can live here throughout that period while meeting the programme conditions.例子：如果您的准证允许您居留五年，只要符合计划条件，您在这段期间都可以在此生活。

You apply to renew for another five years. Renewal needs approval and updated documents. It does not happen automatically. If your passport expires sooner, you must update your MM2H pass earlier.您需要申请再续五年。续期须获批准并提交更新的文件，不会自动续期。如果您的护照更早到期，您必须更早更新 MM2H 准证。

No. Under the published rules, participants below 50 must meet a 90-day stay requirement each year. Those aged 50 and above have no minimum annual stay requirement.不必。根据已公布的规定，50 岁以下的参与者每年须满足 90 天的居留要求；50 岁及以上者没有最低年度居留要求。

“90 days” means added together: You do not have to stay for 90 days in one trip. Ask how eligible family members can help fulfil the requirement for your category.“90 天”是累计计算：您不必在一次行程中连续停留 90 天。请咨询您所属类别下，符合资格的家人如何协助达成这项要求。

Do not continue staying without valid permission. That can become an overstay and lead to penalties or restrictions on returning. Contact Immigration and your licensed MM2H operator immediately. Do not assume there is a grace period.请勿在没有有效许可的情况下继续停留。这可能构成逾期居留，并导致罚款或日后入境受限。请立即联系移民局及您的持牌 MM2H 代理。请勿假设设有宽限期。

Yes, eligible relatives can apply under you as family dependants. These include your spouse, eligible children, parents and parents-in-law. Each person needs approval and their own pass.可以，符合资格的亲属可在您名下申请成为家庭受养人。包括您的配偶、符合资格的子女、父母及岳父母/公婆。每个人都须获得批准，并持有各自的准证。

For children: Those aged 21–34 must be single and unemployed while in Malaysia. Children under 21 are eligible; medically certified children with disabilities have no age limit.关于子女：21 至 34 岁者在马来西亚期间必须保持单身且无业。21 岁以下子女符合资格；经医疗证明的残障子女不设年龄限制。

The published guidelines do not state a maximum number. Every person still needs to be an eligible dependant and receive approval. Ask the licensed operator to confirm your proposed family group before you apply.已公布的指南没有注明人数上限。但每位家人仍须是符合资格的受养人并获得批准。申请前，请让持牌代理确认您拟带的家庭成员组合。

No. For Silver, USD150,000 is the main applicant’s required fixed deposit. It is not multiplied by the number of approved family dependants. Extra application and individual costs still apply.不需要。对 Silver 而言，USD150,000 是主申请人所需的定期存款。它不会按获批的家庭受养人数目倍增。额外的申请费用及个人费用仍然适用。

Example: You, your wife and two eligible children means one main applicant and three dependants—not four separate USD150,000 deposits.例子：您、太太和两名符合资格的子女，即一位主申请人加三位受养人——并非四份各自 USD150,000 的存款。

Yes—both are required. Silver requires a USD150,000 fixed deposit and a qualifying residence worth at least RM600,000. Property purchases must also meet the relevant state rules. These amounts do not include your application fees.是的——两者都是必需的。Silver 要求 USD150,000 的定期存款，以及价值至少 RM600,000 的合资格住宅。购置房产还须符合相关州属规定。这些金额不包括您的申请费用。

You may apply to withdraw up to 50% for permitted expenses. Property purchase is one permitted purpose, alongside education, medical and tourism expenses in Malaysia. Withdrawal requires approval and supporting documents.您可以申请提取最多 50%，用于获准的开销。购置房产是获准用途之一，其他还包括在马来西亚的教育、医疗和旅游开销。提取须获批准并提交证明文件。

Silver example: 50% of USD150,000 is USD75,000. That is the maximum permitted portion, not an automatic cash release.Silver 例子：USD150,000 的 50% 是 USD75,000。这是允许提取的最高比例，并不是自动发放的现金。

No. MM2H approval does not guarantee a loan. The bank separately checks your finances and the property before deciding whether to lend and how much.不会。MM2H 获批并不保证能获得贷款。银行会另行审核您的财务状况和房产，再决定是否贷款及贷款额度。

Yes. MOTAC’s published processing fee is RM5,000 for the main applicant and RM2,500 for each dependant. Participation fees, medical checks, insurance, pass charges and operator services are separate.会。MOTAC 公布的处理费为主申请人 RM5,000、每位受养人 RM2,500。参与费、体检、保险、准证费用及代理服务费另计。

Example: You + your wife + two children = RM12,500 in processing fees alone, before other charges.例子：您 + 太太 + 两名子女 = 仅处理费就是 RM12,500，尚未计入其他费用。

Do not assume you will receive a refund. Ask for written refund terms for the government processing fees and the operator’s service fees before paying. We have not confirmed an official refund rule for the published processing fees.请勿假设一定能退款。付款前，请要求提供政府处理费及代理服务费的书面退款条款。我们尚未确认已公布的处理费是否设有官方退款规则。

Generally, no. The current rule requires you to keep the qualifying residence for ten years, with an exception to upgrade to a higher-value residence. Silver’s five-year term does not shorten this property condition.一般不可以。现行规定要求您持有合资格住宅十年，但可换购价值更高的住宅。Silver 的五年计划年期并不会缩短这项房产持有条件。

Silver and Gold do not permit employment under their published terms. Platinum has different permissions. Discuss your intended work with the licensed operator before choosing a programme.按已公布的条款，Silver 和 Gold 不允许就业。Platinum 的许可有所不同。选择计划前，请与持牌代理讨论您打算从事的工作。