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Why migrate to Malaysia?

Malaysia Ranked 5th Among The World’s 10 Best Countries To Retire In 2018

  • International Living, which has been researching and reporting on retirement opportunities overseas for the last 38 years, has named Malaysia as the only Asian country among the world’s 10 best countries to retire in 2018. Taking into consideration criteria such as cost of living, healthcare and climate, International Living has ranked Malaysia 5th among the 10 best places to retire.
    International Living said: “The country’s diverse ethnic mix makes being a stranger here easy. Whether you live in bohemian Penang or Kuala Lumpur, the country’s hip capital, you’ll meet friendly locals who are happy to stop and chat and welcome you into their home.”

Malaysia Ranked 4th Among The World’s 20 Best Countries To Invest In

  • According to a recent news report based on findings provided by the World Bank, a worldwide poll gathering feedback from 6,000 business decision makers were compiled to find out which country they identify as the best to invest in for 2018. The criteria which the respondents were told to evaluate the countries are separated into 8 key areas which are entrepreneurship, economic stability, favorable tax environment, innovation, skilled labor, technological expertise, dynamism, and corruption.
  • In fact, Malaysia made it to the number 4 position for the list of 20 best countries to invest in now, Business Insider reports.

Details Published on Tuesday, 06 March 2018

Malaysia is  one of the world’s most multilingual countries

  • Despite having fewer “official” languages, Malaysia is, in many ways, more multilingual than neighboring Singapore. Everyone can speak the official tongue, Malay. Most people are fluent in English, which is a compulsory subject in school and is widely spoken in cities. A creolized English known as Manglish is used on the streets.

Malaysians whose ancestors came from India can speak their familial language in addition to Malay and English. Chinese Malays learn Mandarin in school, but most also speak other dialects (such as Cantonese, Hokkien and Hakka) at home or on the street. In big cities like Kuala Lumpur, Penang and Johor Bahru and Kuching, it is not uncommon to find Chinese Malaysians who can speak two or three Chinese dialects in addition to Malay and English.

Malaysia is a food haven

  • According to a survey conducted by CNN through an open Facebook poll, Malaysia has been ranked 6th among destinations in the world with the best food.

Malaysia Ranked 6th best nation in Asia to be born in

  • According to World Atlas‘ February 1, 2017 report, Malaysia ranked 6th best nation in Asia to be born in, and 36th worldwide. We have a diverse mix of culture thanks to the many ethnicity that shares this land which we call home. We have an amazing blend of Malay, Chinese, Indian, Kadazan, Iban, Peranakan, and many more to form Malaysia.

5 Reasons why you should live in Malaysia

Video credit to Felicia zoe

SARAWAK

Sarawak is the largest state in Malaysia with her capital city, Kuching, being the largest city in the Island of Borneo.

Sarawak is definitely a place that you will want to discover more!!

Video credit to: Sarawak Tourism Board
SARAWAK, the largest state in Malaysia.
Sarawak’s capital city, KUCHING, the largest city in the Island of Borneo.

Sarawak is strategically located in the heart of Southeast Asia and is the ideal centre for many type of industries. Sarawak is fast emerging as a hugely profitable investment hub.  It is the largest of Malaysia’s 13 states, covering an area of 124,449 sq. km, with vast tracts of land available for development and an abundant supply of natural resources, particularly petroleum and natural gas.

Sarawak is easily accessible from all major cities of the world, businesses and industries can efficiently operate passenger and cargo transport to and from Sarawak. Air travel to the country takes less than three hours from Hong Kong, three and a half hours from Australia, one hour from Indonesia, six hours from Japan, and only 45 minutes from Singapore and Brunei.

Entrenched in Sarawak’s history are the remnants of the reign of the White Rajahs, the Brooke family monarchy that ruled the Kingdom of Sarawak from 1841 to 1946. Traces of the Brookes can be found throughout the state, from physical reminders such as colonial buildings, preserved relics that populate today’s museums, and events such as the Sarawak Regatta, to the more intangible traces within the law and culture of the people.

Sarawak’s ever-expanding world-class museums, authentic hospitality, and a diverse religious and cultural trade, all form part of the cultural attraction.

Useful links:

https://sarawaktourism.com/discover-sarawak-malaysia/

Frequently Asked Questions (FAQ)

FREQUENTLY ASKED QUESTION (FAQ) – SARAWAK/MALAYSIA MY SECOND HOME (S-MM2H) 

(A) SMM2H Visa

Q1: What is S-MM2H Visa?

A1: S-MM2H Visa is a ten (10) years Social Visit Pass with Multiple Entry Visa. Successful applicants will be issued MM2H visa as long as the holders do not violate the rules and regulations of the Sarawak Immigration Department. The S-MM2H visa is renewable / extendable at the end of the 10 years period provided if you fulfill all criteria set by the Sarawak Immigration Department.

Q2: If my passport is valid for the next three (3) years, will I receive the full ten (10) years visa endorsement? 

A2: The S-MM2H visa endorsement will be given based on the validity of your passport. You will be entitled to receive up to ten (10) years visa if your passport is valid for the next ten years. If your passport is only valid for 3 years, you will only be given a 3-year visa. You may receive the balance of the ten-year visa upon renewal of your passport.

Q3: What is the minimum day to stay in Sarawak per year after obtaining the S-MM2H visa endorsement? 

A3:

S-MM2H pass holder must stay in Sarawak for a minimum of 30 days a year.  If the pass holder fail to fulfill this requirement, his/her S-MM2H pass will be terminated.

S-MM2H pass holders may visit and leave as you wish with no restrictions after you obtained the S-MM2H visa endorsement.

Q4: Who grant the approval of S-MM2H application?

A4: The Immigration Department of Sarawak.

Q5: Who can apply for S-MM2H?

A5: S-MM2H Programme is open to citizens of all countries that have diplomatic relation with Malaysia (except Israel & North Korea) which is in line with Federal Government’s policy on foreign diplomatic relations.

Q6: What is the age eligibility?

A6: 30 years old and above.

Q7: What are the financial requirements of the applicants?

A7: Applicants are expected to be financially capable of supporting themselves during the participation in the programme. Main applicants are required to show proof of financial capability by:

(A)   Opening a fixed deposit account with panel bank in Sarawak with a deposit amount of at least RM500,000;

Applicants are required to maintain a minimum balance of RM250,000 in their fixed deposit account during their participation in the programme.

AND

(B) (i)  Showing proof of government approved monthly pension fund of at least RM15,000 (dependent) and RM10,000 (individual). (for applicants who are 50 years old and above);

or

(B) (ii)  Showing proof of monthly off-shore income fund of RM15,000 (dependent) and RM10,000 (individual). (for applicants who are 30 years old and above);

or

(B) (iii) Showing proof of a saving account statement worths RM200,000 (dependent) and RM100,000 (for individual).

** Certified copy of bank statements as proof of savings fund for the last 3 months financial statement.

Q8: What do you recommend to improve my chances of approval?

A8: While you are required to place a fixed deposit and/or show proof of income, these are only the minimum requirements. In order to receive approval, you must show that you have a strong financial background. (Extra documents, not compulsory.)

Q9: What are other conditions for submission of application?

A9: 

(i) All applicants and their spouse and dependents (if any) are required to submit their medical report to show their state of health conditions during the application for review and approval.

(ii) the Main applicant must submit a Resume and both the main applicant and the spouse must submit their Letter of Good Conduct from their origin country.

(iii) Applicants are strictly forbidden from participating in activities sensitive to local people, politics, missionary and activities that are provocative, instigative in nature and sensitive that could threaten the security of the country.

(iv) Applicants are required to purchase medical insurance for themselves and dependents. (Only for applicants below 60 years old.)

Q10: Do I need to be in Sarawak when applying for a renewal?

A10: Yes, all participants MUST be present in person with their passport in Sarawak to receive the S-MM2H visa endorsements from the Immigration of Malaysia. All renewals must be done one (1) month prior to the expiry date.

All applicants need to stay a minimum of 30 days per year in Sarawak to qualify them for a renewal of S-MM2H visa.

Q11: Do I have to stay in Sarawak after joining this program?

A11: After completing your landing visit to Sarawak, you are free to enter and leave the country without any restrictions.

Q12: Can the Social Visit Pass be extended after 10 years?

A12: Yes. All applicants who wish to continue the programmer for the second 10 year should submit their application to the Immigration Department of Malaysia, Sarawak as a NEW APPLICATION. New application should be submitted 6 months before the pass expiry.

Q13: After joining this program, can I apply for Permanent Residency?

A13: No. Under this programme participant is not allow to apply for Permanent Residency.

Q14: Can I use my existing non-cash assets in Sarawak to fulfill the S-MM2H condition?

A14: No, they cannot be considered equivalent to the fixed deposit requirement. However, we strongly advise you to include whatever assets you have in Sarawak or elsewhere as your supporting financial documents when you make your S-MM2H application.

Q15: Who qualifies as dependents?

A15: Applicants may apply their spouse, unmarried children below the age of 21 and not married and parents.

Applicants are required to purchase medical insurance for themselves and dependents.

Q16: How long does the approval process take for my application?

A16: Under normal circumstances, the applications will either be approved or rejected within 3 – 6 months from the submission of application.

Q17: What were the main reasons applications were being rejected?

A17: Most rejected cases were due to the failure in showing proof of strong financial status and unsatisfactory background checks. As mentioned above, applicants with just enough cash available for the required fixed deposit and meeting the minimum requirement for monthly income may not be approved.

Q18: If I have been staying in Malaysia for years, can I apply for S-MM2H?

A18: Yes, but you cannot have any pass/visa issued by Malaysia before submitting your application.

Q19: Can S-MM2H participants work in Malaysia?

A19: All participants are not allowed to work.

  • S-MM2H participants are not eligible to work full time.
  • S-MM2H participants are only eligible to work part time in professional jobs in sectors approved by the ILMU thru MTCP.
  • Total working hours must not exceed 20 working hours per week.
  • S-MM2H participants are allowed to be ‘sleeping partner’ in Joint-venture (JV) business with local partner in sectors approved by ILMU. S-MM2H participants must own minimum 49% of the total paid-up capital of RM250,000 (minimum).
  • All applications to work under S-MM2H programme must be made to the State Authority.

Professional sector: Education, Banking / Securities, Manufacturing and Medical.

Q20: Do I need a sponsor for my application?

A20: Yes, all applications must be bonded by a sponsor who originated from and currently staying in Sarawak OR by a SMM2H licensed agent that is registered in Sarawak only.

(B) Fixed Deposits: 

Q1: Which banks am I required to place my fixed deposit?

A1: Affin Bank Berhad, Malayan Banking Berhad (Maybank), Alliance Bank Malaysia Berhad (Alliance Bank), Hong Leong Bank Berhad, HSBC Bank Malaysia Berhad & United Overseas Bank (Malaysia) Berhad @ UOB Bank, Public Bank, RHB Bank, ICBC Bank, Bank of China, Standard Chartered Bank, OCBC Bank, CIMB Bank.

Q2: Can my fixed deposit at the Malaysia bank be made in foreign currency?

A2: The fixed deposit for this programme MUST be made in Malaysian Ringgits; any amount beyond the stated requirement can be made in most foreign currency.

Q3: Can I open a current account with the banks in Malaysia?

A3: By presenting the original S-MM2H Conditional Approval Letter and your passport, you may open a personal saving and current accounts in Malaysia.

Q4: Can I withdraw my fixed deposit any time during my stay in Malaysia?

A4: Participant under S-MM2H can withdraw after one (1) year for  purchase of house, car, children education or medical purpose. Participants must maintain a minimum balance of Fixed Deposit amounted to RM250,000.00 from second year onward for the whole duration of stay under S-MM2H.

Q5: Can I place the fixed deposit in a Malaysia bank located in my country?

A5: No. Participants have to open a fixed deposit account in bank selected at A1.

Q6: Am I allowed to withdraw my fixed deposit for a few months and then top it back later?

A6: No. Participants are not allowed to do this.

Q7: When can I withdraw my fixed deposit?

A7: After a period of one year, the participant may withdraw his/her fixed deposit for approved expenses relating to house purchase, education for children in Sarawak and medical purposes OR when he/she decides to terminate his/her stay in Sarawak by first informing the Ministry of Tourism of his/her intention at Malaysia My Second Home Centre. Participants can apply to withdraw part of their fixed deposit for emergency cases such as medical purposes, etc. with prior approval of the Ministry of Tourism.

(C) Medical Treatment: 

Q1: Can I receive medical treatment in Malaysia?

A1: Yes you can receive medical treatment from any clinics, medical centres, hospitals throughout Malaysia.

(D) Education: 

Q1: Should I apply S-MM2H for my children who are / will be attending school in Sarawak?

A1: 7 years old and above no need, they can only get student pass. Below 7 years old will get Social Visit Pass.

Q2: Do kindergarten level children need Student Visas to attend kindergarden here?

A2: Children below the school going age (7 years old) are not required to apply for Student Visas. They need only apply for a Social Visit Visa.

Q3: If my children are already married and want to study in Sarawak with their husbands, do they need to pay the fixed deposit? 

A3: Not necessary. They can apply for a Student Visa once they have obtained places of study in Sarawak.

Q4: Can the children of successful applicants attend school in Sarawak?

A4: Yes, they may do so by having Student Pass and they should be insured throughout their stay in Sarawak.

(E) House Purchase: 

Q1: Are the participants entitled to any special entitlements?

A1: All participants are allowed to purchase residential properties at the minimum purchase price for foreigners established by the respective the state government. The current minimum price is RM600,000 per unit in Sarawak.

Q2: Can I purchase a house for residential purpose and a shop lot to be rented out?

A2: No, you are only allowed to purchase residential properties.

Q3: Do I have to pay the yearly assessment and quit rent for my houses like the locals?

A3: Yes.

Q4: In the event of unforeseen death can the participants Sarawak assets be handed over smoothly to any of his beneficiaries. Does the Government have any restriction on this matter? 

A4: No. Participants may transfer their property to their next-of-kin provided they have made a will to this effect.

Q5: Must foreigners buy new Sarawak property only, such as from developers, or can they purchase any property, such as from individual owners (second hand or third hand property)? 

A5: Participants can purchase any type of housing properties provided that it has been issued with OP (Occupation Permit).

Q6: Can I apply for local financing from a local bank to purchase a house in Sarawak?

A6: Yes, you may apply for the loan in Sarawak subject to the terms and conditions of respective banks or financial institutions

About Us

APPLE (SMM2H) SDN. BHD.  (Reg no.: 201701018650 (1232815-D) is licensed under the Tourism Industry Act 1992 of Malaysia as an approved agent for Sarawak-Malaysia My Second Home (S-MM2H) program. (Licence no.: MTCP/SMM2H-001).

We are based in Kuching, the capital city of Sarawak, the largest Malaysian state on the Borneo Island.

We provide consultancy and other related services to foreigners in their application for residency visa under the “Sarawak-Malaysia My Second Home (S-MM2H)” programme.

We strive to assist new-comers to Sarawak, Malaysia by providing a comprehensive one-stop platform via collaboration with local and foreign partners, such as lawyers, accountants, real estate agents, valuers, travel agents, etc to provide solutions that new-comer to Sarawak, Malaysia may require.

Our office in Kuching, Sarawak

Our office location map

Let us facilitate
your S-MM2H visa application process!

Reviews

Google Reviews

Posted on Google Google
최수행 profile picture
최수행
27 July 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Outstanding Service and Seamless Process! Applying for the Sarawak MM2H visa felt overwhelming at first, but working with this wonderful team made all the difference. Every single member was extremely knowledgeable, professional, and attentive to every detail. They handled every step of the application efficiently, and communication was always fast and clear. A huge thank you to the whole team for all their hard work and support. If you’re looking for a trustworthy agent for SMM2H, look no further. Highly recommended!
Posted on Google Google
Dave profile picture
Dave
17 March 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
I sincerely appreciate the exceptional support from APPLE SMM2H for guiding me seamlessly through every step of the process. Their clear communication and the warm welcome I received upon arriving in Sarawak to finalize my documentation made the entire experience smooth and reassuring. A special thank you to Ms. Chung and Jess for their dedication and support. I wholeheartedly recommend working with APPLE SMM2H to anyone considering this journey.
Posted on Google Google
May Li profile picture
May Li
31 January 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
All of the staff at Apple were absolutely spectacular. Professional, thorough, courteous, and competent. They guided me through the entire process from start to finish with a level of expertise that I could not have done without. I chose to work with them based on my initial interactions with Ms. Chung who put me at ease from the start. Her thoroughness in assisting me with preparing my application and ensuring that everything was sorted out correctly was invaluable. Once we were in Kuching Ms. Kho took me took me to all of my various appointments and made certain that I was able to complete everything on time. She was gracious, kind, and extremely helpful along the way. I highly recommend Apple SMM2H. I'm not sure what I would have done without them. Thanks again Ms. Chung and Ms. Kho!!!
Posted on Google Google
Qiang Fu profile picture
Qiang Fu
30 April 2025
Google star 1Google star 2Google star 3Google star 4Google star 5
诚实守信,服务周到,办理过程让人安心,感谢你们的服务
Posted on Google Google
assemble sam profile picture
assemble sam
24 April 2025
Google star 1Google star 2Google star 3Google star 4Google star 5
申請SMM2H非常好!
Posted on Google Google
Youngil Hwang profile picture
Youngil Hwang
10 October 2024
Google star 1Google star 2Google star 3Google star 4Google star 5
한국에서 S-MM2H 취득을 위해 연락하였고 매우 친절하게 설 을 받았습니다. 사전준비하는 기간동안 적극적인 지원을 받아 모든 서류를 착오없이 잘 준비할수 있었습니다. 이번에 2024 10월 VISA 발급을 위해 방문한 기간동안에도 잘 준비해준 일정으로 무사히 취득까지 마무리 하였습니다. 강력 추천합니다.
Posted on Google Google
Aung profile picture
Aung
10 October 2024
Google star 1Google star 2Google star 3Google star 4Google star 5
I am very satisfied with the service provided .The guidance and instructions are very clear from the beginning to the end .The communication is very good and the agent is very responsive.Very efficient 5 stars agent which helped me attain S- MM2H visa very smoothly and timely period . In addition to efficient smart service provided, it is worth for money with very reasonable agent fee ! I recommend to everyone ! ! ! From Dr Aung ( Myanmar citizen)
Posted on Google Google
Nirav S profile picture
Nirav S
28 September 2024
Google star 1Google star 2Google star 3Google star 4Google star 5
Apple MM2H is very professionally run. they are specialized in MM2H process. I have applied thru them in FEB24 and able to receive approval in Aug 24. About 5 and half month time. I have never met Ms chung and Ms Koh in person until when we went Kuching to endorse our MM2H visa. Ms chung and Ms koh is particular person. They know exact what is requirement for the process. They might demand little too particular of documents but its ultimate good for the process of MM2H visa. There is no doubt to recommend APPLE MM2H SDN BHD for MM2H application who is looking for the process. They did help us taking around to medical and banks and insurance matter. So there is nothing that one can feel uneasy in the process. I fully recommend them for MM2H.
Posted on Google Google
铁哥 profile picture
铁哥
18 September 2024
Google star 1Google star 2Google star 3Google star 4Google star 5
很偶然的机会联系到了Apple (MM2H)SDN BHN整个申请过程非常顺利,丽诗的指导非常专业和 面,细节都考虑到很周到。等 过后是惊喜,最后到古晋的十天顺利拿到帖签,并度过了一个美好的假期(独立日和中秋),这期间银行、保险、体检等各项事宜许小姐都安排的井井有条,出行接送细心周到,完 是一种回家的体验,非常感谢!至此告别依依不舍,期 下次古晋重逢!再次感谢
Posted on Google Google
Madowi profile picture
Madowi
17 June 2024
Google star 1Google star 2Google star 3Google star 4Google star 5
My name is Matt, and after doing quite some research on the S-MM2H agents available in Sarawak, I had chosen Apple (MM2H) Sdn Bhd in the end. This was because of their great customer service with detailed info on the application process already beforehand and also their competitive fees in the market. And it turned out that I made the right choice since Ms Chung and Ms Kho did a wonderful job in organizing and supporting my application process from start to finish: filling in of application forms, pick-up from and drop-off at the airport, ride to and from every appointment for medical check-up, opening of bank account and FD, collection of visa sticker at immigration and also several lunch occasions. So a big thank you goes to the whole team of Apple (MM2H) Sdn Bhd and I will definitely recommend their services without any reservation.
Posted on Google Google
Jammy Chung profile picture
Jammy Chung
11 June 2024
Google star 1Google star 2Google star 3Google star 4Google star 5
We applied for our MM2H through Jaunt Asia (MM2H) Sdn Bhd [Now Apple (MM2H) Sdn Bhd]. The whole process was a breeze, and every step of the way was well prepared ahead of time. We were picked up for every appointment which included our arrival, opening of bank account, medical check-up, meals, and returned to our hotel, rain or shine. The hospitality was superb and the whole process was a breeze. Miss Chung and her assistant, Ruifen did a lot of leg work ahead of time and everything was so hassle-free that we get to enjoy the trip as a wonderful holiday. We will highly recommend Apple (MM2H) Sdn Bhd for their “Thumbs Up” excellent service.
Posted on Google Google
Ima Zainal-Bentley profile picture
Ima Zainal-Bentley
20 May 2024
Google star 1Google star 2Google star 3Google star 4Google star 5
We had a pleasant experience with Apple (MM2H) Sdn Bhd. Smooth transactions from beginning to end. Both Ms Chung and Ms Ho were very thorough and helpful in handling our application and went through the details and documents needed. We highly recommend their services.

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