Mistakes I Made Applying for MM2H Visa – And How to Avoid Them

Mistakes I Made Applying for MM2H Visa – Costly Errors (2026)

After paying RM10,000 in agent fees, my MM2H (Malaysia My Second Home) application was rejected. Why? Because of 3 simple but critical mistakes.

Here’s what went wrong — so you don’t repeat them under the new 2026 MM2H rules.

❌ Mistake #1: Didn’t Meet New Financial Requirements
Under 2026 rules, applicants under 50 must show:
- Liquid assets: RM1.5 million
- Offshore income: RM40,000/month
I had only RM800k + RM25k income → automatic rejection.

Mistake #2: Used Unlicensed Agent

• Agent wasn’t on official MM2H Centre-approved list
• Submitted wrong documents (used old checklist)
• No follow-up with Immigration Department

✅ Fix: Only use agents listed on mm2h.gov.my.

Mistake #3: Ignored Medical Insurance Requirement

• New rule: Must buy Malaysian medical insurance before applying
• I submitted international policy → rejected
• Approved insurers: Allianz, AIA, Tune Protect

💡 Pro Tip: Apply directly via MM2H e-System (self-application allowed since 2024). Save RM8,000+ in agent fees!

Correct Document Checklist (2026)

• Passport bio page + latest entry stamp
• Bank statements (last 3 months, min RM1.5M balance)
• Offshore income proof (payslips, pension letter)
• Medical insurance policy from approved provider
• Statutory Declaration (Form JPN.KP16)

Processing Timeline

• Submission → Acknowledgement: 7 days
• Review → Approval: 4–6 weeks
• Visa issuance: 2 weeks after approval

MM2H is still possible — but only if you follow the new rules exactly. Do your homework, or risk losing time and money.