Madani Housing Scheme Malaysia 2026

Budget housing incentives, stamp duty exemptions and affordable housing targets under the Madani government.

Last verified: March 2026

What is the Madani Housing Initiative?

The Madani housing initiative is the affordable housing strategy under PM Anwar Ibrahim's government. Rather than a single scheme, it's an umbrella of programs and incentives aimed at making homeownership accessible — from stamp duty exemptions to enhanced financing for first-time buyers. The government has consolidated multiple legacy programs (PR1MA, PPR, PPAM) into a more streamlined framework.

Key Budget Housing Incentives

Stamp Duty Exemption for First-Time Buyers

Property Price	MOT Exemption	Loan Agreement
Up to RM500,000	100% exemption	100% exemption
RM500,001–RM1,000,000	75% exemption	Standard rates
Above RM1,000,000	No exemption	No exemption

Estimated savings: RM5,000–RM20,000 depending on property price. Applies to SPAs executed within qualifying period.

Rumah Madani

Affordable housing units priced RM150,000–RM300,000 for B40 and lower M40 families. Built by government-linked developers.

Step-Up Financing

Lower monthly repayments in early years that gradually increase. For young buyers aged 21–40, properties up to RM500,000.

MyHome Subsidy

RM30,000 government subsidy per unit for developers building homes below RM300,000. Buyer must be first-time, income below RM10,000/month.

EPF Account 2 Withdrawal

First-time buyers can withdraw EPF Account 2 savings for downpayment and purchase costs. Combinable with all other schemes.

How Madani Differs from Previous Governments

•Consolidated multiple legacy housing bodies into fewer, more efficient agencies

•Standing stamp duty exemptions (previously tied to limited-time HOC campaigns)

•Greater emphasis on gig economy workers through enhanced SJKP

•Step-Up Financing concept — new approach to affordability through graduated payments

•Target of 100,000 affordable homes within government term

Who Benefits Most?

First-Time Buyers

Stamp duty savings of RM5,000–RM20,000 + EPF withdrawal access

Gig Workers

SJKP guarantee enables home loan without payslip

Young Professionals

Step-Up Financing lowers initial repayments to match early-career salary

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

Frequently Asked Questions

What is the Madani housing initiative?▼

The Madani housing initiative is the affordable housing strategy under PM Anwar Ibrahim's government. It consolidates multiple legacy programs and introduces new incentives including stamp duty exemptions, Rumah Madani affordable units, and enhanced financing access for first-time buyers.

What stamp duty exemptions are available for first-time buyers?▼

First-time buyers get 100% stamp duty exemption on both the Instrument of Transfer and loan agreement for properties up to RM500,000. For properties RM500,001–RM1,000,000, a 75% exemption on the Instrument of Transfer applies. This can save RM5,000–RM20,000 in upfront costs.

What is the Step-Up Financing Scheme?▼

Step-Up Financing allows young first-time buyers (typically aged 21–40) to start with lower monthly repayments that gradually increase over time, matching expected salary growth. It's available for properties up to RM500,000 through participating banks.

How much did Budget 2025 allocate for affordable housing?▼

Budget 2025 allocated approximately RM2 billion for affordable housing programs across Malaysia, covering PR1MA, PPR, Rumah Mesra Rakyat, MyHome subsidy, and other initiatives under the 12th Malaysia Plan.

Insentif Perumahan Madani 2026

Kerajaan Madani menawarkan pelbagai insentif perumahan termasuk pengecualian 100% duti setem untuk pembeli rumah pertama bagi hartanah berharga sehingga RM500,000. Skim Step-Up Financing membolehkan pembayaran bulanan lebih rendah pada tahun-tahun awal. Subsidi MyHome sehingga RM30,000 bagi rumah berharga bawah RM300,000. Pengeluaran KWSP Akaun 2 dibenarkan untuk pembelian rumah pertama. Semak kelayakan anda dan mohon melalui bank yang menyertai.