Malaysia Housing Schemes Comparison 2026

PR1MA vs MyHome vs SJKP vs Madani — side-by-side comparison of all government housing assistance programs.

Last verified: March 2026

Side-by-Side Comparison

Criteria	PR1MA	SJKP	MyHome	RMR	Step-Up	Stamp Duty
Income Limit	RM2,500–RM15,000	Up to RM10,000	Up to RM10,000	RM3,000–RM10,000	Varies	No limit
Max Property Price	RM400,000	RM500,000	RM300,000	RM130,000	RM500,000	RM500,000 (100%)
First-Time Buyer Only	Yes	Yes	Yes	Yes	Yes	Yes
Bumiputera Only	No	No	No	No	No	No
Application Channel	pr1ma.my	Participating banks	Developer applies	spnb.com.my	Participating banks	Automatic at SPA
Processing Time	3–6 months	1–3 months	Via developer	6–12 months	1–2 months	Immediate
Key Benefit	20% below market price	No payslip needed	RM30k gov subsidy per unit	Build on own land, RM20k subsidy	Lower early repayments	Save RM5k–RM20k upfront
Best For	M40 households	Gig workers, self-employed	Low-income families	Rural landowners	Young buyers 21–40	All first-time buyers

Which Scheme is Right for Me?

Are you a first-time buyer?

YES

Continue below

Limited schemes available. Check RPGT exemptions only.

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Do you have a formal payslip?

YES — Formal Employment

PR1MA (income RM2.5k–RM15k) + Stamp Duty Exemption + Step-Up Financing

NO — Self-Employed / Gig

SJKP (key scheme) + Stamp Duty Exemption + EPF Withdrawal

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What is your property budget?

Below RM300k

+ MyHome subsidy (RM30k)

RM300k–RM500k

Full stamp duty exemption

RM500k–RM1M

75% stamp duty exemption

Can I Combine These Schemes?

Combination	Allowed?	Notes
SJKP + EPF withdrawal	✅ Yes	Most common combo. Use EPF for downpayment, SJKP for loan guarantee.
Stamp duty exemption + SJKP	✅ Yes	Both apply automatically — save on stamp duty while using SJKP guarantee.
Stamp duty exemption + Step-Up	✅ Yes	Combine lower upfront costs with lower early repayments.
MyHome + EPF withdrawal	✅ Yes	Developer gets MyHome subsidy, you use EPF for your portion.
PR1MA + MyHome subsidy	❌ No	Cannot receive both PR1MA pricing and MyHome subsidy on same property.
PR1MA + SJKP	❌ No	PR1MA has its own financing pathway — not combinable with SJKP guarantee.
Two PR1MA units	❌ No	One PR1MA unit per household. Cannot purchase second unit.

Scheme details subject to change. Verify with official sources: pr1ma.my, srp.com.my, kpkt.gov.my, or your bank before applying.

Frequently Asked Questions

Which Malaysian housing scheme is best for me?▼

It depends on your income, employment type, and budget. If you're self-employed, SJKP is ideal. If you're M40 with stable income, check PR1MA. All first-time buyers should claim stamp duty exemptions. Use the comparison table and decision tree above to find your match.

Can I apply for multiple housing schemes at once?▼

Some schemes can be combined (e.g., SJKP + EPF withdrawal + stamp duty exemption). However, you typically cannot benefit from multiple property-specific schemes (e.g., PR1MA + MyHome) on the same property. Check the combinations table above.

What if I earn above RM15,000/month?▼

You won't qualify for PR1MA or SJKP, but you can still benefit from stamp duty exemptions (first-time buyers up to RM500k get 100% exemption) and EPF Account 2 withdrawal. The Step-Up Financing scheme may also be available through participating banks.

How long does it take to get approved?▼

Processing times vary: Stamp duty exemption is immediate at SPA signing. SJKP and Step-Up take 1–3 months through banks. PR1MA involves balloting (3–6 months). Rumah Mesra Rakyat can take 6–12 months due to construction timelines.

Are housing schemes available in all states?▼

Stamp duty exemptions, SJKP, and Step-Up Financing are available nationwide. PR1MA projects are location-specific. MyHome depends on developer participation. Rumah Mesra Rakyat is primarily in rural areas. Check individual scheme pages for state-specific availability.

Perbandingan Skim Perumahan Malaysia 2026

Bandingkan semua skim bantuan perumahan kerajaan Malaysia secara sebelah-menyebelah. PR1MA menawarkan harga 20% bawah pasaran. SJKP membenarkan pinjaman tanpa slip gaji. MyHome memberikan subsidi RM30,000. Pengecualian duti setem 100% untuk pembeli rumah pertama bagi hartanah sehingga RM500,000. Semak jadual di atas untuk perbandingan lengkap dan ketahui skim mana yang paling sesuai untuk anda.