对比西马后，为什么越来越多人选择砂拉越第二家园？条件、资金、流程一次讲清

过去几年，提到马来西亚第二家园，很多人的第一反应都是西马。教育资源集中、城市成熟、航班多，看起来选择空间更大。但随着政策调整，西马第二家园的门槛不断抬高，资金要求、居住时间、配套房产条件都变得更严，对不少本来只想要一个长期居留身份的人来说，成本开始明显失衡。

Over the past few years, when people mentioned Malaysia My Second Home, the first place that often came to mind was Peninsular Malaysia. With its concentrated education resources, well-developed cities, and abundant international flights, it seemed to offer more options. However, as policies have been adjusted, the entry threshold for the Peninsular Malaysia MM2H program has continued to rise. Financial requirements, minimum stay obligations, and supporting conditions have all become stricter. For many applicants who simply want a long-term residency status, the cost-benefit balance has become increasingly unfavorable.

也正是在这种背景下，越来越多申请人开始重新评估方案，把注意力转向了东马的砂拉越。不是因为砂拉越“更好看”，而是因为在真实对比条件、资金压力和居住自由度之后，它更接近很多人对第二家园的原始需求。

Against this backdrop, more and more applicants have begun to reassess their options and shift their attention to Sarawak in East Malaysia. This is not because Sarawak is “more attractive” on the surface, but because when conditions, financial pressure, and residency flexibility are compared realistically, Sarawak is closer to what many people originally wanted from a second home program.

砂拉越第二家园到底是什么项目

What Exactly Is the S-MM2H ?

砂拉越第二家园，全称是砂拉越我的第二家园计划（S-MM2H），它并不是联邦层面的统一项目，而是由砂拉越州政府主导、州移民局实际执行的长期居留计划。这一点本身就决定了它和西马版本在逻辑上的差异：政策更偏向“州内吸引长期居住者”，而不是全国统一的高门槛筛选。

The Sarawak My Second Home program, officially known as S-MM2H, is not a federal-level unified scheme. Instead, it is a long-term residency program led by the Sarawak state government and implemented by the state immigration authorities. This fundamental difference determines how it diverges from the Peninsular Malaysia version: its policy logic focuses more on attracting long-term residents to the state, rather than enforcing a nationally uniform high-threshold screening mechanism.

通过这个项目获批后，申请人可以获得有效期为 5 年的长期居留签证，期满后满足条件即可续签，再延长 5 年，总体可覆盖 10 年时间，期间可以多次自由进出马来西亚，但不能在当地受雇工作。

Once approved, applicants receive a long-term residency visa valid for five years. Upon expiry, and provided the requirements are met, the visa can be renewed for another five years, covering up to ten years in total. During this period, holders may enter and exit Malaysia multiple times freely, but they are not permitted to take up employment locally.

谁可以申请砂拉越第二家园

Who Can Apply for S-MM2H ?

从申请人结构来看，砂拉越第二家园的设定非常清晰，核心是面向已经具备一定经济基础、但不打算在当地就业的人群。主申请人年龄需满 30 岁以上，可以单人申请，也可以以家庭为单位一起办理。

From the applicant profile perspective, the Sarawak MM2H program is clearly designed for individuals who already have a certain financial foundation but do not intend to work locally. The principal applicant must be at least 30 years old and may apply either individually or as a family.

获批后，配偶可以作为附属申请人一同获得居留身份，主申请人的父母同样可以随行，年龄不设上限；子女则要求 21 岁以下、未婚，且不能在马来西亚工作。整体逻辑并不是筛选“高收入人群”，而是确认申请人具备长期自给自足的能力，不会对当地公共资源造成负担。

After approval, the spouse can be included as a dependent applicant. The principal applicant’s parents may also accompany them, with no age limit. Children must be under 21 years old, unmarried, and are not allowed to work in Malaysia. Overall, the program does not aim to select “high-income elites,” but rather to ensure that applicants are financially self-sufficient and will not place a burden on local public resources.

申请条件高不高？

Are the Requirements High?

真正让砂拉越第二家园被频繁拿来和西马对比的，核心就在资金要求上。按照现行政策，所有申请人都需要在砂拉越本地指定银行存入 50 万马币的定期存款，这笔钱并不是费用，而是个人资产的一部分。

What truly makes Sarawak MM2H frequently compared with the Peninsular Malaysia version lies in its financial requirements. Under current policy, all applicants must place a fixed deposit of MYR 500,000 in a designated bank in Sarawak. This amount is not a fee, but part of the applicant’s personal assets.

除此之外，官方还会要求申请人证明自身在原居住国具备稳定的经济基础：如果是单人申请，通常需要提供不少于 10 万马币等值的定期存款证明，或每月约 1 万马币的银行流水；家庭申请的对应标准则略高一些。整体审核逻辑并不复杂，重点在于资金来源清晰、真实可核查，而不是单纯追求“数额越高越好”。

In addition, applicants must demonstrate a stable financial base in their country of residence. For single applicants, this typically means providing proof of fixed deposits equivalent to at least MYR 100,000, or bank statements showing a monthly income of around MYR 10,000. For family applications, the corresponding standards are slightly higher. Overall, the review logic is straightforward: the authorities focus on clear, legitimate, and verifiable sources of funds, rather than simply favoring higher amounts.

50 万马币怎么存？存进去还能不能用

How Is the MYR 500,000 Deposit Placed, and Can It Be Used Later?

这 50 万马币并不是一次性上交给政府的费用，而是要求申请人在砂拉越当地指定银行开立个人账户后存入的定期存款。定存需要完整存满 12 个月，在这一年内资金保持冻结状态，主要用途是作为长期居留期间的经济担保。

The MYR 500,000 is not paid to the government. Instead, applicants are required to open a personal account with a designated bank in Sarawak and place the funds in a fixed deposit. The deposit must be maintained for a full 12 months, during which the funds remain frozen. Its primary purpose is to serve as financial security during the long-term stay.

居住要求严不严？

Is the Residency Requirement Strict? 

在居住要求上，砂拉越第二家园也是明显区别于西马版本的地方。按照目前的规定，主申请人每个自然年只需要在砂拉越累计居住不少于 30 天即可，不要求连续居住，也不强制家属必须满足同样的天数。

In terms of residency requirements, Sarawak MM2H stands out clearly from its Peninsular Malaysia counterpart. Under current rules, the principal applicant is only required to stay in Sarawak for at least 30 days per calendar year. The stay does not need to be continuous, and dependents are not required to meet the same minimum number of days.

这意味着，即使一年只安排一到两次短期停留，也能满足身份维持条件，对于仍需要在国内工作、经商，或者习惯两地往返生活的人来说，灵活度非常高。签证本身为 5 年有效期，期满后只要继续满足定存和居住等基本条件，就可以再续 5 年，总体形成 5+5 的长期居留结构。

This means that even one or two short visits per year are sufficient to maintain the status. For those who still need to work or run businesses in their home country, or who are accustomed to living between two places, this level of flexibility is highly attractive. The visa is valid for five years, and as long as the fixed deposit and residency requirements continue to be met, it can be renewed for another five years, forming a 5+5 long-term residency structure.

从准备材料到贴签，完整办理流程怎么走

From Document Preparation to Visa Endorsement:
The Full Application Process

砂拉越第二家园的整体流程并不复杂，但节奏相对明确，通常分为“国内准备”和“登陆砂拉越”两大阶段。

The overall process for Sarawak MM2H is not complicated, but it follows a clear timeline. It is generally divided into two stages: “preparation in the home country” and “arrival in Sarawak.”

前期主要是整理个人材料，包括护照、无犯罪记录、公证过的银行流水或存款证明等，由代理公司递交州政府及相关部门进行审核。材料获初步通过后，申请人需要按要求首次登陆砂拉越，在当地完成开户、体检、购买医疗保险等必要步骤。

The initial stage involves organizing personal documents, including passports, police clearance certificates, and notarized bank statements or deposit proofs. These materials are submitted by an authorized agent to the state government and relevant departments for review. Once the documents receive preliminary approval, the applicant must travel to Sarawak to complete required steps such as opening a bank account, undergoing a medical examination, and purchasing medical insurance.

随后进入批文等待阶段，拿到正式批准函后，再由砂拉越移民局完成签证贴签，最终获得 5 年期的多次入境居留签证。整个流程以材料合规为核心，只要前期准备到位，实际操作并不繁琐。

After that, the application enters the final approval stage. Once the official approval letter is issued, the Sarawak Immigration Department proceeds with visa endorsement, and the applicant ultimately receives a five-year multiple-entry residency visa. As long as the documentation is compliant from the outset, the actual process is relatively straightforward.

费用都花在哪？

Where Do the Costs Go?

在实际办理过程中，砂拉越第二家园的费用结构相对透明，主要分为政府费用、代办服务费以及必要的配套支出三部分。以单人申请为例，代办服务费通常为 12000 马币，每增加一名附属申请人会相应增加费用；

In practice, the cost structure of Sarawak MM2H is relatively transparent. It mainly consists of government fees, agent service fees, and necessary supporting expenses. For a single applicant, the agent service fee is typically around MYR 12,000, with additional charges for each dependent applicant.

政府端还会涉及旅游部参与费、移民局保证金、签证费以及相关税费，这些费用在递交或贴签阶段一次性缴纳。除此之外，还需要预留体检、医疗保险、公证和双认证等支出，这些属于办理过程中的刚性成本。

On the government side, there are participation fees involving the tourism authority, immigration security deposits, visa fees, and related taxes, which are usually paid in a lump sum during submission or visa endorsement. In addition, applicants should budget for medical examinations, health insurance, notarization, and document authentication, all of which are unavoidable procedural costs.

需要特别注意的是，部分政府费用在申请递交后即产生，即便未获批也不予退还，因此在提交材料前，确认自身条件是否匹配非常关键。

It is important to note that some government fees are incurred once the application is submitted and are non-refundable even if the application is not approved. Therefore, confirming that one’s personal circumstances align with the program requirements before submission is crucial.

砂拉越第二家园适合哪些人？

Who Is S-MM2H Suitable For

从整体条件和实际使用场景来看，砂拉越第二家园更适合那些希望用相对可控的成本，换取一个长期、稳定海外居留身份的人群，比如计划逐步退休、提前布局养老生活的人，或者仍以国内事业为主、只需要一个灵活往返身份的自由职业者和生意人家庭。

From an overall perspective, Sarawak MM2H is more suitable for individuals who want to obtain a stable, long-term overseas residency status at a relatively controllable cost. This includes people planning for gradual retirement or early retirement, as well as families of freelancers or business owners who primarily maintain their careers in their home country and only need a flexible residency status.

同时，它也适合不急于在海外置业、更看重身份本身而非资产配置的人。相对来说，如果非常依赖大城市资源、必须长期在马来西亚工作，或对国际航班便利性要求极高，那么砂拉越可能并不是最优解。理解这一点，有助于在众多第二家园方案中，做出更贴合自身实际需求的选择。

It is also suitable for those who do not urgently need to purchase overseas property and value the residency status itself more than asset allocation. On the other hand, if one heavily relies on large-city resources, needs to work long-term in Malaysia, or has very high demands for international flight connectivity, Sarawak may not be the optimal choice. Understanding this distinction helps applicants make decisions that better align with their actual needs among various second home programs.