Malaysia Government Housing Schemes 2026 — Complete Guide
From PR1MA to Madani Housing — find which government scheme you qualify for and how to apply.
6
Schemes Available
RM500k
Max Price Eligible
RM10k
Income Threshold
Yes
First-Time Buyer
All Schemes at a Glance
| Scheme | Max Price | Income Limit | Status |
|---|---|---|---|
| PR1MA | RM400,000 | RM2,500–RM15,000 | Active — under restructuring |
| SJKP | RM500,000 | Up to RM10,000 | Active — funded annually |
| Madani | RM500,000 | No fixed limit | Active — Budget 2025/2026 |
| MyHome | RM300,000 | Up to RM10,000 | Active |
| RMR | RM130,000 | RM3,000–RM10,000 | Active — SPNB |
| Step-Up | RM500,000 | Varies by bank | Active — Budget 2024/2025 |
Which scheme am I eligible for?
1. What is your monthly household income?
2. Are you a first-time home buyer?
3. What is your target property price?
Accuracy Disclaimer
Scheme details are subject to change. Last verified: March 2026. Verify with official sources before applying: pr1ma.my, srp.com.my, kpkt.gov.my, or your bank.
Frequently Asked Questions
What housing schemes are available in Malaysia 2026?▼
Malaysia offers several government housing schemes including PR1MA (below-market homes), SJKP (home loan guarantee for self-employed), Madani stamp duty exemptions, MyHome subsidy, Rumah Mesra Rakyat, and Step-Up Financing. Each targets different income groups and buyer profiles.
Can I combine multiple housing schemes?▼
Some schemes can be combined. For example, you can use SJKP loan guarantee together with EPF Account 2 withdrawal and stamp duty exemptions. However, you cannot receive both PR1MA pricing and MyHome subsidy on the same property. Check individual scheme terms for stacking eligibility.
Do I need to be Bumiputera for Malaysia housing schemes?▼
No. Most government housing schemes including PR1MA, SJKP, MyHome and stamp duty exemptions are open to all Malaysian citizens regardless of race. They are needs-based, targeting income criteria rather than ethnicity.
What is the income limit for government housing schemes?▼
Income limits vary by scheme. SJKP allows up to RM10,000/month household income. PR1MA covers RM2,500–RM15,000/month. Stamp duty exemptions have no income limit for first-time buyers. MyHome requires household income below RM10,000/month.
Can I use housing scheme + EPF withdrawal together?▼
Yes. EPF Account 2 withdrawal for first home purchase can be combined with most housing schemes. You can use EPF funds for downpayment while benefiting from SJKP guarantee or stamp duty exemptions. This is one of the most common combinations used by Malaysian first-time buyers.
Skim Perumahan Kerajaan Malaysia 2026 — Panduan Lengkap
Malaysia menawarkan pelbagai skim bantuan perumahan kerajaan termasuk PR1MA, SJKP, MyHome dan insentif Madani. Setiap skim mempunyai syarat kelayakan berbeza dari segi had pendapatan, harga hartanah dan status pembeli kali pertama. Gunakan alat semakan kelayakan di atas untuk mengetahui skim yang anda layak. Sentiasa sahkan maklumat terkini dengan laman web rasmi sebelum memohon.