Version: BM
Where there’s a will, there’s a way. And being disabled should never be a reason to hold back from striving for the best.
Take, for example, the inspiring story of Lee Thiam Wah, founder of 99 Speedmart.
Despite facing physical disabilities, he built a successful business empire and became a property owner, proving that homeownership is within reach for anyone with determination.
In Malaysia, the government has introduced several initiatives to support Persons with Disabilities (PWDs) or OKU in purchasing homes.
This guide explores the steps, schemes, and resources available to help OKUs navigate the home-buying process confidently.
Housing Assistance and Incentives for OKU in Malaysia:
Register as an OKU with the Department of Social Welfare (JKM)
The first and most important step is to officially register as an Orang Kurang Upaya (OKU) with the Jabatan Kebajikan Masyarakat (JKM).
This registration is essential because all government assistance, discounts, and special housing allocations are only available to those who have been formally recognized as OKU.
To register:
1. Visit the nearest JKM office with supporting medical documents.
2. Once approved, you’ll receive an OKU card, which serves as proof of your disability status.
3. The registration can also be initiated through the eDaftar OKU portal (online registration).
4. Having an OKU card not only makes you eligible for special housing schemes but also offer other benefits like tax exemptions, discounts on public transport, and welfare aid.
Housing Schemes Available for OKU
Over the years, the Malaysian government has created several affordable housing programs specifically designed to assist low-to middle-income citizens including those with disabilities.
These schemes ensure that homes are not only affordable but also accessible.
1. Program Perumahan Rakyat (PPR)
PPR is a low-cost housing scheme under the Ministry of Local Government Development (KPKT). It is aimed at the B40 group, which includes many OKU individuals.
Key benefits:
- A portion of PPR units is allocated exclusively for OKU applicants.
- OKU applicants are usually given priority for ground-floor units or units equipped with accessible features like ramps and elevators.
- Units are either available for rent (PPR Disewa) or purchase (PPR Dimiliki).
2. Rumah Mesra Rakyat (RMR) by SPNB
This scheme helps Malaysians who do not have fixed income such as small business owners or gig workers build or purchase their own homes.
It is especially useful for OKU who may not meet traditional bank financing criteria.
Highlights:
1. The houses are customizable to include ramps, wider doors, and other accessibility needs.
2. The government subsidizes up to RM20,000 of the construction cost.
3. Applicants must have land or the right to build on a family member’s land.
3. Residensi Wilayah & Rumah Selangorku
These are state-level affordable housing projects targeted at residents in Wilayah Persekutuan and Selangor.
While not exclusively for OKU, these programs often prioritize OKU applicants, especially when supported by a valid OKU card.
Projects under these initiatives include high-rise apartments, townhouses, and single-storey homes, many of which can be adapted for OKU needs.
Financial Assistance and Loans for OKU
Buying a home is a major financial commitment, and the government acknowledges that OKU individuals may face unique economic challenges.
Here are some financial aids and incentives tailored to support OKU buyers:
1. Skim Jaminan Kredit Perumahan (SJKP)
The Skim Jaminan Kredit Perumahan (SJKP) scheme is specifically designed for individuals without a fixed monthly income, which includes many OKU individuals.
To make it better, this scheme is backed by the Ministry of Finance and allows for:
- 100% financing. No down payment required.
- Acceptance of non-traditional income sources (e.g., selling handmade goods, home-based services).
- Flexible repayment options.
- To apply, you can visit participating banks such as Bank Rakyat, BSN, or Maybank and request a housing loan under SJKP.
2. BSN MyHome and BSN Micro-i Kredit OKU
Bank Simpanan Nasional (BSN) offers special products for OKU, including:
BSN MyHome OKU: For first-time buyers with up to 100% financing.
BSN Micro-i Kredit OKU: Small loans for home repairs or renovations to make properties more accessible.
3. Stamp Duty Exemptions under i-MILIKI
The government offers stamp duty exemptions on Memorandum of Transfer (MOT) and loan agreements for first-time homebuyers under the i-MILIKI initiative.
OKU applicants, especially those under the B40 group, may benefit greatly from these exemptions, helping reduce initial purchase costs.
| Program/Privilege | Description |
|---|---|
| SPNB Home Purchase Discount | Syarikat Perumahan Negara Berhad (SPNB) offers significant discounts for OKU buyers who choose their housing projects. The discount can go up to 20%, making homes more affordable. Check with SPNB for eligible projects and terms. |
| People’s Housing Program (PPR) | This program provides low-cost housing at subsidized prices. While not all PPR projects are designed specifically for OKU, it is important to inquire about units with basic accessibility features. |
| Housing Credit Guarantee Scheme (SJKP) | A scheme that acts as a guarantor for OKU who may face difficulties obtaining financing. It allows OKU with limited credit history or without a large deposit to secure home loans. |
| RM20,000 Price Reduction for Rumah Mesra Rakyat (RMR) | The RMR program by SPNB offers a RM20,000 discount for OKU purchasing their first home under this scheme. RMR homes are designed with appropriate accessibility features for OKU. |
| Loan Facilities from Local Banks | Banks such as BSN and Bank Rakyat offer lower interest rates or more flexible loan terms for OKU. These banks provide greater leniency in the loan application process. |
| Potential Collaboration with Government Agencies and NGOs | Don’t hesitate to contact agencies like JKM or NGOs focused on disability and housing. They may offer additional financial aid programs or information on grants and subsidies. |
Choose a Home That Suits Your Accessibility Needs
Not all homes are built with accessibility in mind.
As an OKU buyer, it is crucial to ensure the property you’re considering can support your mobility and lifestyle.
When house hunting, look for:
- Wide doorways (at least 32 inches) and hallways
- No-step entrances or ramp access
- Bathrooms with grab bars, roll-in showers, and space for manoeuvring a wheelchair
- Elevators or ground-floor units for high-rise buildings
- Kitchen counters and shelves at appropriate heights
- If the home needs modification, some loan packages (like BSN Micro-i) can be used for renovations to meet these requirements.
Get Help from Real Estate Professionals or NGOs
Navigating the property market can be daunting, especially for first-time buyers. OKU buyers are encouraged to seek help from:
- Registered property agents who are familiar with government housing schemes.
- Lawyers or housing consultants who can help with legal paperwork, especially for government schemes.
- Non-profit organizations such as OKU associations or housing NGOs, many of which provide free advisory services and financial counselling.
Conclusion
Owning a home as a person with a disability may seem challenging, but it is not impossible.
Just like the 99 Speedmart founder, many others have proven that with grit, smart planning, and the right support, OKU individuals can achieve financial independence and secure a place to call home.
The Malaysian government is making real strides in making homeownership more inclusive and you can take advantage of these programs today.
If you’re ready to take the first step, start by registering with JKM, gather your financial documents, and speak to an agent or NGO that can walk you through the rest.
You’re not alone, and your dream home might be closer than you think!
Frequently Asked Questions (FAQ’s)
1. How do I register as an OKU to qualify for housing assistance?
Register with JKM using medical documents to get an OKU card, which grants access to housing benefits.
2. What housing schemes are available for OKU in Malaysia?
OKU can apply for affordable housing like PPR, RMR, and state-level programs that prioritize accessibility.
3. Can OKU individuals get housing loans without a fixed income?
Yes, schemes like SJKP allow OKU to get 100% financing even without stable monthly income.
4. What should I consider when choosing a home as an OKU?
Look for features like ramps, wide doors, grab bars, and elevator access for better mobility.
If you need any assistance with the home-buying or renting process, our IQI agents are here to help in every possible way. Just drop us a message below, and we’ll get back to you shortly.
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