On a smaller screen, scroll the table sideways to compare all four options.

Headline comparison
What to compareSilverGoldPlatinumSEZ / SFZ
Minimum principal age25 years25 years25 years21 years
Fixed depositUSD150,000USD500,000USD1,000,000USD65,000 (ages 21–49)USD32,000 (ages 50+)
Published programme term5 years15 years20 years10 years
Residential purchase minimumRM600,000RM1,000,000RM2,000,000Applicable state / zone property threshold
One-off participation feeRM1,000RM3,000RM200,000RM1,000
Explore the detailsRead guide Read guide Read guide Read guide

Put the figures in context.

  • Renewable under the applicable conditions; pass and endorsement validity depend on approval and passport validity.
  • A residential purchase is required. Confirm eligible property, timing, retention conditions and any applicable state rules.
  • Principal applicant. This is not the total application cost; processing charges, pass fees, professional fees and other expenses may be separate.
  • SEZ/SFZ has special zone and developer-purchase conditions. Confirm that a specific property qualifies before committing.

Before choosing a route.

Check the current annual-stay, dependant, deposit-withdrawal, permitted-activity, medical and renewal conditions. Some details differ between the official overview and the longer terms, so they are not presented here as settled comparison figures.

This is a selected comparison, not an eligibility assessment or a complete cost estimate. Confirm the applicable terms and any later announcements with MOTAC or an appropriately licensed operator.

Use the research checklist

Official sources

Check current MOTAC announcements (opens in new tab) (external website)