手持50万，去西马是“炮灰”，来砂拉越是“贵宾”：一张图看懂真相

说句大实话，2026年想办马来西亚第二家园（MM2H），如果你的信息还停留在“全马都一样”的阶段，那你很可能要多花几百万的冤枉钱。

Let me be blunt: if you’re planning to apply for Malaysia My Second Home (MM2H) in 2026, and your understanding is still stuck at the stage of “it’s the same everywhere in Malaysia,” you’re very likely to waste millions due to information gaps.

最近很多朋友来问我：“我想办个二家园，预算50万马币（约85万人民币），能不能去吉隆坡？”看着他们满怀期待的眼神，我只能泼一盆冷水：“现在的西马，50万马币？连入门的资格都没有。”

Recently, many friends have asked me, “I want to apply for MM2H. With a budget of MYR 500,000 (about RMB 850,000), can I go to Kuala Lumpur?” Seeing their hopeful expressions, I can only pour cold water on them: “In today’s West Malaysia, MYR 500,000 doesn’t even get you past the front door.”

别不信。自从西马第二家园改制，全面启用美元定价后，门槛早就“高攀不起”。以前是亲民移居，现在是富豪俱乐部。如果你手里攥着50万马币去敲西马移民局的门，在那边可能连个水漂都打不起来——也就是俗称的“炮灰”。

Don’t take my word lightly. Ever since West Malaysia restructured MM2H and fully switched to USD-based pricing, the entry threshold has become unreachable for ordinary families. What used to be a people-friendly migration option has turned into an exclusive club for the wealthy. If you walk into the West Malaysian immigration system holding MYR 500,000, chances are you won’t even make a ripple — in local slang, you’re just “cannon fodder.”

但是（划重点的来了）——

But here’s the key point — pay close attention.

同样的50万马币，如果你把目光稍微往东挪一点，跨过大海，来到东马的砂拉越（Sarawak），情况会发生180度的大逆转。

With that same MYR 500,000, if you shift your focus slightly eastward, cross the sea, and look at Sarawak in East Malaysia, the situation changes by 180 degrees.

在这里，50万马币不仅达到了定存门槛，甚至你可能还是那个被抢着要的“贵宾”。

In Sarawak, MYR 500,000 not only meets the fixed-deposit requirement — you may actually be treated as a highly desirable applicant, even a “VIP.”

不比不知道，一比吓一跳

You Don’t Realize Until You Compare — Then It’s Shocking

很多中介只告诉你西马很繁华，却不敢给你看这张“资金与隐形成本对比表”。

Many agents only tell you that West Malaysia is modern and prosperous — but they never show you this comparison table of capital requirements and hidden costs.

我们把目前市面上最主流的西马白银版（入门级）和砂拉越版（S-MM2H）放在天平上，结果非常残酷：

We placed the most common West Malaysia MM2H Silver Tier (entry-level) side by side with the Sarawak S-MM2H program. The results are brutal.

看懂了吗？ 去西马，你不仅要多冻结几十万资金，还要面临更严格的居住限制。而在砂拉越，你用更少的钱，换来了几乎同等的“马来西亚居留权”——孩子照样读国际学校，你照样可以全马跑（包括去吉隆坡生活）。

Do you see it now? In West Malaysia, not only do you need to freeze significantly more funds, but you also face stricter residence requirements. In Sarawak, with less money, you gain almost the same Malaysia residency benefits — your children can still attend international schools, and you can still live or travel anywhere in Malaysia, including Kuala Lumpur.

为什么我说砂拉越是“中产家庭的最后避风港”？

Why I Call Sarawak the “Last Safe Haven for the Middle Class”

抛开冷冰冰的数据，我们聊聊真实的“持有体验”。

Let’s put the cold numbers aside and talk about real-life experience.

1. 关于“自由”的定义：很多办第二家园的朋友，重心依然在国内。西马新政要求的“90天居住时长”，对于还在打拼的中年人来说，是一道沉重的枷锁。你真的有时间一年在马来西亚耗三个月吗？ 砂拉越的30天要求，简直就是“量身定制”的。 每年带家人去古晋或美里度个假，吃吃海鲜，看看热带雨林，任务就完成了。既享受了身份便利，又不影响国内的主业。

1. What “Freedom” Really Means For many MM2H applicants, their main career and life remain in China. West Malaysia’s new policy requires 90 days of residence per year — a heavy burden for working professionals in their prime years. Ask yourself honestly: can you really afford to spend three months a year in Malaysia? Sarawak’s 30-day requirement feels almost tailor-made. Take your family to Kuching or Miri once a year, enjoy seafood, explore rainforests — and you’re done. You keep the residency benefits without disrupting your main business at home.

2. 关于“被强迫买房” ：西马现在的逻辑是“引资+去库存”，政策里暗戳戳地鼓励甚至强制你买房。但说实话，现在的行情下，现金为王。 砂拉越政策非常“佛系”：不强迫买房。 你想租房？可以。想买房？也可以。这种把选择权交还给申请人的态度，才是真正的“第二家园”，而不是“第二房产接盘侠”。

2. Forced Property Purchases. West Malaysia’s logic now is clear: capital inflow + property inventory clearance. Policies subtly — and sometimes explicitly — push applicants to buy property. But in today’s market, cash is king. Sarawak’s policy is refreshingly hands-off: no mandatory home purchase. You want to rent? Fine. You want to buy? Also fine. This respect for applicant choice is what a true “second home” should be — not turning you into a property bag holder.

3. 隐形的“教育跳板” 很多人担心：去了东马，教育资源是不是不行？ 大错特错。砂拉越的首府古晋（Kuching），拥有多所老牌国际学校（如Tunku Putra-HELP, St. Joseph等），学费却只有吉隆坡的1/2。 拿着砂拉越的身份，孩子既可以在当地享受高性价比的英式教育，未来想转去吉隆坡甚至欧美也毫无障碍。这才是真正的“教育省钱流”打法。

3. The Hidden Education Advantage. Many worry: Isn’t education weaker in East Malaysia? That’s a serious misconception. Sarawak’s capital, Kuching, is home to several well-established international schools (such as Tunku Putra-HELP, St. Joseph, and others). Tuition fees are only half — or even one-third — of Kuala Lumpur’s. With a Sarawak residency status, children can enjoy cost-effective British-style education locally, and later transfer seamlessly to Kuala Lumpur or even Europe and North America. This is the real “education cost-optimization strategy.”

既要安全、身份还要灵活

Identity, Flexibility, and Safety

2026年的大环境，大家都懂。“既要身份备份，又要资金安全，还要居住灵活”，这是几乎所有中产家庭的共同诉求。

In the macro environment of 2026, everyone understands the priorities: a backup identity, capital security, and flexible residence requirements. These are the core needs of middle-class families.

西马虽然繁华，但那高达100万美金（铂金版）或15万美金（白银版）的门槛，注定只属于金字塔尖的少数人。

West Malaysia may be glamorous, but with thresholds of USD 1 million (Platinum) or USD 150,000 (Silver), it is clearly designed for only the top of the wealth pyramid.

而砂拉越（S-MM2H），就像是那个默默无闻但实力深厚的“扫地僧”。它不张扬，但它用50万马币的诚意和30天的自由，给了普通中产家庭一个体面的退路。

Sarawak’s S-MM2H, by contrast, is like a low-profile but formidable hidden master. It doesn’t boast — but with MYR 500,000 and 30 days of residence freedom, it offers ordinary middle-class families a dignified and realistic exit strategy.

最后给个建议： 如果你的预算在100万人民币以内，且不想被房子深度套牢，砂拉越是目前唯一的“版本答案”。政策窗口期向来不等人，别等到砂拉越也涨价了，再来拍大腿。

Final advice: If your budget is under RMB 1 million and you don’t want to be deeply tied to property investments, Sarawak is currently the only correct answer. Policy windows never wait. Don’t wait until Sarawak raises its threshold — and then regret it.

不知道自己是否符合砂拉越申请条件？ 想看具体的国际学校学费清单？ 扫码添加下方微信，备注【砂拉越】，我发给你一份详细的《东马移居避坑指南》。

Not sure whether you qualify for Sarawak? Want a detailed list of international school tuition fees?  Scan the QR code below and add WeChat, note “Sarawak”, and I’ll send you a comprehensive “East Malaysia Relocation Pitfall Guide.”