Skim Rumah Pertama refers to Malaysia's suite of first-home schemes that help citizens buy their first property — through higher financing (up to or beyond the usual 90%), government loan guarantees, deposit assistance, and stamp duty exemptions. The specific programmes and their limits change with each Budget, so check the current year's offering.
First-Home Help Available
- Stamp duty exemption — first-time Malaysian buyers get a full waiver of MOT + loan stamp duty on homes up to RM500,000 (for SPAs signed to 31 December 2027, Budget 2026)
- Higher financing / loan guarantee — schemes like the government housing credit guarantee (e.g. SJKP) help buyers without a strong income document or with limited deposit obtain higher financing
- Deposit assistance — periodic programmes (MyDeposit-style) contribute toward the down payment for eligible first-home buyers
- Youth / first-home financing — bank and government-linked schemes offering up to 100%-style financing on eligible properties
Who Qualifies (Typical Conditions)
- Malaysian citizen, first property (no property owned before)
- Within the scheme's income and property-price limits (vary by programme and Budget year)
- Owner-occupation intent (not for investment)
> Programme names, caps and availability change each Budget — confirm the current schemes and limits before applying.
How to Use It
1. Check which schemes you qualify for with the home scheme eligibility guide
2. Confirm the salary your target price needs — see how much salary to buy a house
3. Estimate your instalment and deposit with the home loan calculator and how much deposit you need
4. Browse eligible new launches — many below RM500k qualify for the stamp duty waiver
Ready to Start?
Read the first-time buyer guide for the full step-by-step, or if you're in Selangor, see Rumah Selangorku.
Frequently Asked Questions
What is Skim Rumah Pertama?
It refers to Malaysia's first-home schemes that help citizens buy their first property — through stamp duty exemptions (full MOT and loan stamp duty waiver on homes up to RM500,000 to 31 December 2027), higher financing and government loan guarantees (such as SJKP), and periodic deposit-assistance programmes. The exact programmes and limits change with each Budget.
Do first-time home buyers get stamp duty exemption in Malaysia?
Yes. First-time Malaysian buyers receive a full exemption on MOT stamp duty and loan agreement stamp duty for homes priced up to RM500,000, for sale and purchase agreements signed until 31 December 2027 under Budget 2026. Above that price cap, standard tiered stamp duty applies.
Can first-time buyers get 100% financing in Malaysia?
Some first-home and government-guarantee schemes offer higher-than-standard financing (up to or beyond the usual 90% margin) on eligible properties, effectively reducing the deposit needed. Availability depends on the current programmes, your credit profile and the property price. Check your eligibility across schemes before assuming you qualify.