1. Skim Perumahan Mampu Milik Swasta (MyHome)
| Project Name | MyHome |
|---|---|
| Objective | This scheme is one of the government's steps to encourage the private sector to build more affordable homes. The MyHome scheme offers incentives up to RM30,000 per unit that benefits both home buyers and private developers. |
| Target Applicants | ALL Malaysians |
| Price Range | MyHome 1 RM80,000 - RM150,000 MyHome 2 RM120,001 - RM300,000 |
| Selection Method | Screening |
| Eligibility Criteria | 1) Malaysian citizen 2) 21 years old and above 3) Buying your first home 4) Application for one unit to each household member 5) The income of household members must follow the requirements for MyHome1 and MyHome 2. |
| Documents Required | 1) Copy of the applicant's identity card 2) Copy of marriage certificate 3) Copy of OKU card / OKU confirmation letter (if applicable) 4) Copy of self-employed sworn letter 5) Copy of employer's confirmation letter 6) Copy of latest paycheck 7) Copy of EPF statement or income tax return 8) Copy of pension letter (if applicable) 9) Photocopy of identity card / MyKid / birth certificate 10) Copy of the Central Credit Reference Information System (CCRIS) applicant and spouse. |
| Constraint(s) | Resale is forbidden within 10 years. |
| Agency | Ministry of Urban Wellbeing, Housing and Local Government (KPKT) |
| Website | https://sprn.kpkt.gov.my/info/myhome |
2. Perumahan Penjawat Awam Malaysia (PPAM)
| Project Name | PPAM |
|---|---|
| Objective | Aims to provide quality and affordable homes to the government servants. |
| Target Applicants | Government servants |
| Price Range | Below RM300,000 |
| Selection Method | Ballot |
| Eligibility Criteria | 1) Malaysian citizen 2) Must be Government servants (from any job grades)/pensioners |
| Documents Required | 1) Copy of the applicant and spouse's identity card 2) Completed PPA1M form 3) Copy of the latest paycheck 4) Statutory declaration 5) Employment details from the employer 8) Copy of pension letter (if applicable) |
| Constraint(s) | Resale is forbidden within 10 years |
| Agency | Jabatan Perumahan Malaysia |
| Website | http://www.ppam.gov.my/application/condition |
3. Program Perumahan Rakyat (PPR)
| Project Name | PPR |
|---|---|
| Objective | People's Housing Program is a government program to provide decent houses for low-income earners. |
| Target Applicants | ALL Malaysians |
| Price Range | Peninsular Malaysia RM 35,000 Sabah & Sarawak RM48,000 |
| Selection Method | Screening |
| Eligibility Criteria | 1) Malaysian Citizen 2) Aged 18 years old and above 3) Household income below RM 3,000 per month 4) The petitioner has no home yet 5) Follow additional terms set by the states |
| Documents Required | 1) Copy of the applicant's identity card 2) Copy of latest paycheck 3) Completed application form |
| Constraint(s) | Resale is forbidden within 10 years |
| Agency | Ministry of Urban Wellbeing, Housing and Local Government (KPKT) |
| Website | http://ehome.kpkt.gov.my/index.php/pages/view/133 |
4. Rumah Mesra Rakyat (RMR)
| Project Name | Rumah Mesra Rakyat |
|---|---|
| Objective | This program is designed to help low-income groups such as fishermen, farmers and poor families who do not have homes or live in obsolete homes but have land to build their own perfect and comfortable homes. |
| Target Applicants | ALL Malaysians |
| Price Range | RM65,000 |
| Selection Method | Screening |
| Eligibility Criteria | 1) Malaysian 2) Aged 18 years old and above 3) Have your own land or is one of the owners, or have the written permission of the landlord 4) The minimum land area is 2,800 kps 5) Household income between RM750 and RM3,000 |
| Documents Required | 1) Copy of the applicant's identity card 2) Copy of latest paycheck 3) Completed application form 4) Copy of the Certificate of Land Office |
| Constraint(s) | - |
| Agency | Syarikat Perumahan Negara Berhad (SPNB) |
| Website | http://www.spnbmesra.com.my/#rmr1m |
5. Rumah Mampu Milik Wilayah Persekutuan (RUMAWIP)
| Project Name | Rumah Mampu Milik Wilayah Persekutuan (RUMAWIP) |
|---|---|
| Objective | To affordable homes for middle-income Malaysians who stay and work in Wilayah Persekutuan. |
| Target Applicants | Wilayah Persekutuan citizens |
| Price Range | Below RM300,000 |
| Selection Method | Screening |
| Eligibility Criteria | 1) Malaysian citizen 2) Aged 18 years old and above 3) Work or stay in Wilayah Persekutuan 4) Monthly gross income is below RM10,000.00 (Single) and RM15,000.00 (Married) |
| Documents Required | 1) Copy of the applicant's identity card 2) Copy of latest paycheck 3) Copy of EPF statement 4) Completed application form 5 Statutory declaration |
| Constraint(s) | Not allowed to rent out |
| Agency | Ministry of Federal Territories (KWP) |
| Website | https://rumawip.kwp.gov.my/ |
6. Rumah Selangorku
| Project Name | Rumah Selangorku |
|---|---|
| Objective | To affordable homes for the middle-income group within the vicinity of Selangor region. |
| Target Applicants | All Malaysians |
| Price Range | RM42,000 - RM250,000 |
| Selection Method | Screening |
| Eligibility Criteria | 1) Malaysian citizen 2) Aged 18 years old and above 3) Residing in Selangor 4) Household income is between RM3,000 and RM10,000 5) Doesn't own property in Selangor |
| Documents Required | 1) Copy of the applicant's identity card 2) Copy of latest paycheck/ income verification from Commissioner of Oaths 3) Copy of EPF statement 4) Statutory declaration 5) Copy of utility bills |
| Constraint(s) | 1) Resale is forbidden within 5 years 2) Not allowed to rent out |
| Agency | Lembaga Perumahan dan Hartanah Selangor (LPHS) |
| Website | http://lphs.selangor.gov.my/55.html |
7. Rumah Idaman Rakyat (RIR)
| Project Name | Rumah Idaman Rakyat (RIR) |
|---|---|
| Objective | To provide affordable homes for the middle-income group. |
| Target Applicants | All Malaysians |
| Price Range | Below RM350,000 |
| Selection Method | Screening |
| Eligibility Criteria | 1) Malaysian citizen 2) Aged 21 years old and above 3) Priority will be given to first-time buyers, disabled people (OKU) and single mothers |
| Documents Required | 1) Copy of the applicant and spouse's identity card 2) Copy of marriage certificate (if any) 2) Copy of latest paycheck/ income verification from Commissioner of Oaths 3) Copy of EPF statement 4) Statutory declaration 5) Copy of utility bills |
| Constraint(s) | 1) Resale is forbidden within 5 years 2) Not allowed to rent out |
| Agency | Syarikat Perumahan Negara Berhad (SPNB) |
| Website | https://www.spnbidaman.com.my/en/ |
Having implemented so many affordable housing programs, our government has shown incredible effort to tackle the affordability problem in Malaysia. But did you know that the onus is still on you to secure a housing loan from banks even if you successfully balloted for one of these programs?
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