theSun Property October 2016

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D] Under the RumahMesra Rak yat
1MalaysiaorRMR1M scheme, the
governmentwill providea subsidyof
betweenRM15,000andRM20,000 for
Malaysiancitizenswhomeet the
criteria forRumahMampuMilik
under thegovernment’sSyarikat
PerumahanNegaraBerhad (SPNB)
development project.
Important terms andconditions:
Malaysiancitizenagedbetween
18and60.
Household incomeof between
RM750andRM3,000amonth.
Alandowner.
Never ownedahouse.
Married or caring for parent/s.
E] An interesting affordable housing
scheme offered by the Penang
government called HijauE-
Komuniti offers affordable and
comfortable homes in strategic
locations in Penang, for Penangites.
Important terms and conditions:
Malaysian citizen born and
working in Penang aged 21
and above.
Registered voter in Penang
or residing in Penang for at
least five years fromdate of
application.
Household income not exceeding
RM2,500 for lowcost; not
exceeding RM3,500
formedium-lowcost; income
not exceeding RM6,000 for
affordable homes priced
RM200,000; income not
exceeding RM8,000 for
affordable homes priced
RM300,000; income not
exceeding RM10,000 for
affordable homes priced
at RM400,000.
Applicant and spousemust not
own any property for low-cost
or low-mediumcost applications.
For more of such housing
schemes and programmes, visit the
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IN theMalaysian residential
property scene, affordable
housing has made headlines in
the property sections of many
newspapers and online real estate
websites. The government’s intent
and plan: to help low- andmiddle-
income earners own a home.
Considering facts like rising
living costs, low income per capita
and escalating house prices, the
government and various
organisations and developers have
collaborated to provide the people
with a wide variety of affordable
housing schemes and programmes
in its “pledge” for every household
to own a home.
According to reports, beginning
2014, developers were instructed to
ensure their housing development
projects included some 20% low-
cost and 20%medium-cost housing
units.
This resulted in the sprouting of
affordable housing launches by
government and private developers,
made available to the people via
schemes like PR1MA, Hijau E-
Komuniti, MyHome, RumahMesra
Rakyat 1Malaysia and others.
Over the next fewweeks, theSun
property teamwill explore
affordable housing covering various
schemes and eligibility
requirements, as well as first-time
buyer assistance programmes for
Gen-Y, along with other options as a
space tomake home of.
SCHEMES AND PROGRAMMES
FOR LOW- ANDMIDDLE-
INCOME HOUSEHOLDS
Some of the government-assisted
housing schemes and programmes
offered tomedium- and low-income
earners include:
A] Perumahan Rakyat 1Malaysia
otherwise known as PR1MA. This
scheme was launched in 2011,
providing affordable homes in
urban areas tomiddle-income
One house per household
> Exploringways andmeans to fulfil the ‘pledge’
households earning between
RM2,500 and RM10,000 per month.
In 2014, a Rent-to-Own and 110%
financing scheme was introduced to
further assist house buyers of
PR1MA projects.
Important terms and conditions:
Must be aMalaysian citizen.
Aged 21 and above, single or
married.
Individual or combined
household income between
RM2,500 and RM10,000.
Owns nomore than one
property between the individual
and spouse.
B] 1Malaysia Civil Servants
Housing (PPA1M) programme
took off in 2013. It was established
to help civil servants own a house,
particularly inmajor cities.
Important terms and conditions:
Applicants earning RM10,000 or
less working in/near the housing
area.
Preference given to individuals
who do not own a property.
Civil servant in the workforce
or retiree with a pension.
Only one application can
bemade.
Applicant is not declared
bankrupt.
A 10-year moratoriumhas to be
upheld on approval.
Must not already be an owner
of government quarters in the
same area.
C] In 2014, SkimPerumahan
MampuMilik Swasta otherwise
known as MyHome, was launched
to assist low-income households
own a house. The scheme saw the
government provide a RM30,000
subsidy to private developers for
every housing unit offered to first-
time buyers earning amonthly
household income of RM3,000
or less.
Important terms and conditions:
Malaysian citizen aged 18 years
and above.
First-time house owner.
Individual or household income
between RM3,000 and RM4,000 for
typeMyHome 1 and between
RM4,000 and RM6,000 for type
MyHome2 (refer to other criteria on
the official website).
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The civil servants PPA1Mscheme.
Penang government’s Hijau E-Komuniti project.
Programmes Housing units
PBR 47,000
PPR 50,000
PR1MA 380,000
PPA1M 88,000
RMR1M 55,000
RUMAWIP 33,000
Total 653,000
Targets for public affordable housing under various schemes
8) developingmaintenance cost
sharing for low-cost housing;
9) enhancing access to financing
schemes;
10) creating a land bank for future
needs; and
11) establishing an integrated
database of all affordable housing
projects for effective planning
and implementation.
While affordable housingmay be
just a small part of the big plan, it
has at least been seen as a
prominent element in the big
picture of things to come and
significantly targets to result in “one
house per household”.
Underlining action-driven
developments that are people-
centric and lead to positive long-
termchanges, the 11thMalaysia
Plan, described as different from
any other, anchors growth on and
for the people.
In addition, with the National
Housing Policy up for reviewnext
year, it will be exciting to see what
other beneficial programmes,
schemes and subsidies will be
offered to the people where home
ownership is concerned.
Followour article next week for
more ideas and options for
Malaysians to own a home.
respective official websites online.
ELEVENTHMALAYSIA PLAN
2016 TO 2020
In the 11thMalaysia Plan 2016 to
2020, affordable housing is included
as a development objective,
complete with a five-year plan.
Among the strategies to attain the
objectives are to increase
affordability and accessibility for
low- andmiddle-income
households, as well as to strengthen
management and delivery of public
housing programmes to promote
more efficient and sustainable
affordable housing for the people.
According to the “plan”, 11 factors
are incorporated in its efforts to
provide quality affordable housing
over the next fewyears. These
include:
1) eliminating housing approvals
that are not based on demands;
2) reducing government
maintenance funding;
3) improving coordination in
planning and implementing
through the National Housing
Council;
4) encouraging residents’
commitment inmaintenance,
cleanliness and prevention
of vandalism;
5) using potential waqf and
baitulmal land for development
of affordable housing;
6) construction of transit housing
for youth;
7) augmenting private sector
participation;
PHOTO: PROPSOCIAL.MY
SkimPerumahanMampuMilikSwasta
Email your feedback and
queries to: propertyqs@
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22 theSun ON FRIDAY | OCTOBER 14, 2016