MyBenefits: Basic Living Essentials

Basic Essential of Housing: Affordable Home Financing

Government Housing Subsidies, Guarantees and Easy Home Loans 

Subsidy to Repair, Rebuild and Maintenance

Program Bantuan Rumah (PBR)
Fully subsidised cost of repair/rebuild

Income Group Hardcore poor

Property Price RM21,000 to RM50,000

 

Project Perumahan Rakyat Termiskin (PPRT)
Fully subsidised cost of repair/rebuild

Income Group Hardcore poor

Property Price RM21,000 to RM50,000

 

Rumah Bina Negara (RBN) FELCRA  

(to be published soon)
Supply of partially subsidised home and cheap housing loan package
Income Group < RM4,000                             

Property Price RM65,000

 

Rumah Bina Negara (RBN) RISDA  

(to be published soon)
Supply of partially subsidised home and cheap housing loan package
Income Group < RM4,000                             

Property Price RM65,000

Rent-to-Own Programmes (RTO)

People's Housing Program Rent-to-Own (PPR RTO)  

(to be published soon)

If you are unable to afford or get financing, rent first

Income Group < RM2,500                              

Property Price RM30,000 - RM42,000

 

PR1MA Basic Rent-to-Own (RTO) Programme  

(to be published soon)

If you are can’t get financing, rent first and save to buy later

Income Group RM2,500 to RM15,000         

Property Price RM100,000 to RM400,000

 

PR1MA Zero Rent-to-Own (RTO) Programme  

(to be published soon)

If you are can’t get financing, rent first and buy later

Income Group RM2,500 to RM15,000          

Property Price RM100,000 to RM400,000

Home Loans with Subsidies and Guarantees

Youth Housing Scheme Skim Perumahan Belia (SPB)
100% home loan and subsidy for repayment  
Income Group < RM10,000                           

Property Price up to RM500,000

 

Skim Jaminan Kredit Perumahan (SJKP)
Housing loan guarantee for self-employed from the low-income group        
Income Group > RM1,000                              

Property Price  up to RM300,000

 

MyDeposit Scheme
One-off grant to pay 10% down payment for the first home purchase
Income Group RM3,000 to RM10,000       

Property Price RM80,000 to RM500,000 

 

My First Home Scheme (Skim Rumah Pertamaku)
100% Home loan for employed middle-income Malaysians    
Income Group < RM5,000                             

Property Price RM100,000 to RM540,000

 

SPNB Dana Home Loans (to be published soon)

Provide financing to home buyers of RMR1M Scheme and those who
Income Group RM750 to RM3,000             

Property Price  RM45,000 to RM65,000    

Easy Home Financing Packages

 

The Bank Negara Fund for Affordable Homes
Affordable and Accessible Home Loans 

Government Housing Loan Skim Pinjaman Perumahan (SPP)
Housing loan for low-income non-civil service Malaysians

Income Group RM750 to RM2,500             

Property Price < RM45,000

 

PR1MA Conventional Home End-financing Scheme
Up to 100% home financing for PR1MA Homes buyers
Income Group RM2,500 to RM15,000         

Property Price RM100,000 to RM400,000

 

PR1MA Skim Pembiayaan Fleksibel (SPEF)
Higher loan amount and lower monthly instalments for PR1MA Homes financing
Income Group RM2,500 to RM15,000         

Property Price RM100,000 to RM400,000

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