{"id":133620,"date":"2026-09-14T17:14:20","date_gmt":"2026-09-14T09:14:20","guid":{"rendered":"https:\/\/iqiglobal.com\/blog\/?p=133620"},"modified":"2026-09-14T17:28:59","modified_gmt":"2026-09-14T09:28:59","slug":"definisi-rumah-mampu-milik-malaysia","status":"publish","type":"post","link":"https:\/\/iqiglobal.com\/blog\/bm\/definisi-rumah-mampu-milik-malaysia\/","title":{"rendered":"Definisi &#8220;Rumah Mampu Milik&#8221; Berubah Seiring DRN 2026-2035"},"content":{"rendered":"<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>TL;DR<\/strong>: Rumah mampu milik tidak lagi bergantung pada satu harga untuk seluruh Malaysia. <strong>DRN 2026&ndash;2035<\/strong> akan mengambil kira <strong>pendapatan dan keperluan setempat<\/strong>, dengan anggaran kemampuan berbeza mengikut lokasi. Mulai 2027, <strong>analitik data besar<\/strong> akan membantu memadankan bekalan rumah dengan permintaan sebenar.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Selama bertahun-tahun, istilah <strong>rumah mampu milik<\/strong> sering dikaitkan dengan satu perkara mudah: harga rumah yang lebih rendah daripada harga pasaran.<\/p>\n\n\n\n<p>Malah, angka <strong>RM300,000<\/strong> pernah menjadi salah satu penanda aras yang biasa digunakan untuk menggambarkan rumah mampu milik.<\/p>\n\n\n\n<p>Namun, adakah sebuah rumah bernilai RM300,000 <strong>benar-benar mampu dimiliki<\/strong> oleh semua rakyat Malaysia?<\/p>\n\n\n\n<p>&ldquo;Rumah mampu milik&rdquo; <strong>bukan lagi sekadar soal harga<\/strong>. Persoalannya, apa yang sebenarnya berubah pada 2026, dan apa maknanya untuk pembeli rumah?<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Apa Yang Pembeli Rumah Perlu Tahu pada 2026?<\/h2><ul><li><a href=\"#h-1-apa-maksud-rumah-mampu-milik-pada-2026\" data-level=\"2\">1. Apa Maksud Rumah Mampu Milik pada 2026?<\/a><\/li><li><a href=\"#h-2-drn-2026-2035-dasar-perumahan-negara-yang-lebih-berasaskan-data\" data-level=\"2\">2. DRN 2026-2035: Dasar Perumahan Negara yang Lebih Berasaskan Data<\/a><\/li><li><a href=\"#h-3-berapa-harga-rumah-mampu-milik-di-negeri-anda\" data-level=\"2\">3. Berapa Harga &ldquo;Rumah Mampu Milik&rdquo; di Negeri Anda?<\/a><\/li><li><a href=\"#h-4-paradoks-rumah-mampu-milik-kenapa-rumah-rm300-000-masih-tidak-terjual\" data-level=\"2\">4. Paradoks Rumah Mampu Milik: Kenapa Rumah RM300,000 Masih Tidak Terjual?<\/a><\/li><li><a href=\"#h-5-empat-undang-undang-perumahan-baharu-sedang-disediakan\" data-level=\"2\">5. Empat Undang-Undang Perumahan Baharu Sedang Disediakan<\/a><\/li><li><a href=\"#h-6-bagaimana-perubahan-ini-berkait-dengan-skim-rumah-sedia-ada\" data-level=\"2\">6. Bagaimana Perubahan Ini Berkait dengan Skim Rumah Sedia Ada?<\/a><\/li><li><a href=\"#h-7-apa-yang-pembeli-rumah-patut-buat-sekarang\" data-level=\"2\">7. Apa yang Pembeli Rumah Patut Buat Sekarang?<\/a><\/li><li><a href=\"#h-kesimpulan\" data-level=\"2\">Kesimpulan<\/a><\/li><li><a href=\"#h-soalan-lazim-faq\" data-level=\"2\">Soalan Lazim (FAQ)<\/a><\/li><\/ul><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-apa-maksud-rumah-mampu-milik-pada-2026\">1. Apa Maksud Rumah Mampu Milik pada 2026?<\/h2>\n\n\n\n<p>Perubahan ini bermula daripada satu masalah asas, iaitu &ldquo;<strong>harga rumah yang sama<\/strong> tidak membawa maksud <strong>kemampuan yang sama<\/strong> di semua tempat&rdquo;.<\/p>\n\n\n\n<p>Sebelum ini, penggunaan harga siling seperti RM300,000 memudahkan kerajaan, pemaju dan pembeli memahami kategori rumah mampu milik.&nbsp;<\/p>\n\n\n\n<p>Namun, Malaysia perlu menilai semula cara kemampuan perumahan ditentukan.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\" style=\"grid-template-columns:36% auto\"><figure class=\"wp-block-media-text__media\"><img fetchpriority=\"high\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113609\/YB-Tuan-Nga-Kor-Ming.webp\" alt=\"\" class=\"wp-image-133634 size-full\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113609\/YB-Tuan-Nga-Kor-Ming.webp 500w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113609\/YB-Tuan-Nga-Kor-Ming-300x300.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113609\/YB-Tuan-Nga-Kor-Ming-150x150.webp 150w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113609\/YB-Tuan-Nga-Kor-Ming-370x370.webp 370w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113609\/YB-Tuan-Nga-Kor-Ming-120x120.webp 120w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113609\/YB-Tuan-Nga-Kor-Ming-160x160.webp 160w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113609\/YB-Tuan-Nga-Kor-Ming-80x80.webp 80w\" sizes=\"(max-width: 600px) 100vw, 500px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Rumah berharga RM300,000 di Bukit Bintang <strong>tidak boleh dianggap setara<\/strong> dengan rumah RM300,000 di Kuala Krai kerana <strong>realiti ekonomi<\/strong> kedua-dua kawasan adalah <strong>berbeza<\/strong>.<\/p>\n<cite>YB Tuan Nga Kor MIng, Menteri Perumahan dan Kerajaan Tempatan (KPKT)<\/cite><\/blockquote>\n<\/div><\/div>\n\n\n\n<p>Harga tetap tidak semestinya sesuai untuk semua kawasan kerana <strong>keadaan ekonomi<\/strong>, <strong>pendapatan penduduk<\/strong> dan <strong>harga pasaran<\/strong> berbeza mengikut lokasi.&nbsp;<\/p>\n\n\n\n<p>Atas sebab itu, kerajaan kini mahu bergerak daripada pendekatan <strong>&ldquo;one-size-fits-all&rdquo;<\/strong> kepada pendekatan yang lebih setempat. Dalam pendekatan baharu ini, persoalan bukan lagi sekadar:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\"><em>Adakah rumah ini berharga di bawah RM300,000?<\/em><\/mark><\/p>\n<\/blockquote>\n\n\n\n<p>Sebaliknya:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\"><em>Adakah harga rumah ini sepadan dengan kemampuan isi rumah di kawasan tersebut?<\/em><\/mark><\/p>\n<\/blockquote>\n\n\n\n<p>Perubahan ini juga penting untuk menyelesaikan masalah ketidakpadanan antara bekalan dan permintaan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-drn-2026-2035-dasar-perumahan-negara-yang-lebih-berasaskan-data\">2. DRN 2026-2035: Dasar Perumahan Negara yang Lebih Berasaskan Data<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113721\/468.webp\" alt=\"\" class=\"wp-image-133636\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113721\/468.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113721\/468-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113721\/468-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>Perubahan ini bukan sekadar cadangan industri.<\/p>\n\n\n\n<p>Pada 10 Ogos 2026, KPKT melancarkan <strong>Dasar Perumahan Negara (DRN) 2026&ndash;2035 <\/strong>dengan tema Pemerkasaan Kemanusiaan dalam Perumahan <strong>&ldquo;Humanising Housing&rdquo;<\/strong>.<\/p>\n\n\n\n<p>Dasar tersebut mempunyai enam bidang fokus, 17 strategi dan 59 pelan tindakan, dengan sasaran menyediakan <strong>satu juta rumah mampu milik menjelang 2035<\/strong>.<\/p>\n\n\n\n<p>Antara perubahan penting ialah cara kerajaan merancang pembangunan perumahan.<\/p>\n\n\n\n<p>Mulai 2027, pembangunan perumahan akan dirancang berdasarkan <strong>keperluan tempatan, lokasi dan permintaan pasaran<\/strong>. <\/p>\n\n\n\n<p>Sistem analitik data besar akan <strong>menggabungkan data<\/strong> daripada kerajaan negeri, pihak berkuasa tempatan dan KPKT mengikut daerah serta lokaliti. Sistem ini boleh membantu menjawab persoalan seperti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Berapa banyak rumah diperlukan di sesuatu daerah?<\/li>\n\n\n\n<li>Apakah jenis rumah yang diperlukan?<\/li>\n\n\n\n<li>Berapakah harga yang sesuai dengan pendapatan penduduk?<\/li>\n\n\n\n<li>Di manakah permintaan sebenar paling tinggi?<\/li>\n\n\n\n<li>Adakah sesuatu kawasan sudah mengalami lebihan bekalan?<\/li>\n<\/ul>\n\n\n\n<p>Menurut KPKT, sistem tersebut juga akan membantu pemaju menjalankan kajian kebolehlaksanaan sebelum memulakan projek supaya jenis, lokasi dan harga rumah lebih sepadan dengan permintaan pasaran.<\/p>\n\n\n\n<p>Ini merupakan <strong>perubahan besar<\/strong> kerana masalah perumahan Malaysia bukan semata-mata kekurangan rumah.<\/p>\n\n\n\n<p>Masalahnya juga ialah rumah yang dibina tidak semestinya rumah yang diperlukan oleh penduduk di sesuatu kawasan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-berapa-harga-rumah-mampu-milik-di-negeri-anda\">3. Berapa Harga &ldquo;Rumah Mampu Milik&rdquo; di Negeri Anda?<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113727\/470.webp\" alt=\"\" class=\"wp-image-133638\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113727\/470.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113727\/470-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113727\/470-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>Dengan pendekatan baharu, tidak ada satu harga yang boleh digunakan untuk seluruh Malaysia.<\/p>\n\n\n\n<p>Data NAPIC yang dipetik oleh KPKT menunjukkan perbezaan yang ketara. Di <strong>Lembah Klang<\/strong>, anggaran rumah mampu milik adalah sekitar <strong>RM500,000<\/strong>, manakala di <strong>Kelantan sekitar RM300,000<\/strong>.<\/p>\n\n\n\n<p>Ini bukan bermaksud setiap rumah di Lembah Klang pada harga RM500,000 secara automatik dianggap mampu milik. Sebaliknya, ia menggambarkan bagaimana tahap kemampuan boleh berbeza mengikut keadaan ekonomi dan pendapatan setempat.<\/p>\n\n\n\n<p>Anggaran berdasarkan data NAPIC dan kenyataan YB Tuan Nga Kor Ming :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>Lokasi<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Anggaran tahap harga rumah mampu milik<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Nota<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Lembah Klang<\/td><td class=\"has-text-align-center\" data-align=\"center\">Sekitar RM500,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">Dipengaruhi pendapatan, harga tanah dan kos bandar<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Johor<\/td><td class=\"has-text-align-center\" data-align=\"center\">Sekitar RM350,000&ndash;RM450,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">Sangat bergantung kepada lokasi, khususnya Johor Bahru<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Pulau Pinang<\/td><td class=\"has-text-align-center\" data-align=\"center\">Sekitar RM400,000&ndash;RM450,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">Perbezaan ketara antara Pulau dan Seberang Perai<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Kelantan<\/td><td class=\"has-text-align-center\" data-align=\"center\">Sekitar RM300,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">Lebih rendah berbanding Lembah Klang<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Perak<\/td><td class=\"has-text-align-center\" data-align=\"center\">Sekitar RM200,000&ndash;RM300,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">Antara pasaran yang relatif lebih mampu milik<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p style=\"font-size:13px\"><em><strong>Nota:<\/strong> Angka di atas ialah gambaran arah berdasarkan <strong>data NAPIC<\/strong> dan kenyataan berkaitan kemampuan perumahan. <strong>Bukan harga rasmi baharu<\/strong> yang telah ditetapkan KPKT untuk setiap negeri atau lokaliti. Kerajaan masih membangunkan pendekatan yang lebih terperinci berdasarkan data setempat.<\/em><\/p>\n\n\n\n<p>Perkara ini penting kerana pembeli tidak sepatutnya menganggap RM500,000 sebagai &ldquo;harga rumah mampu milik baharu&rdquo; untuk semua orang di Lembah Klang.<\/p>\n\n\n\n<p>Kemampuan sebenar masih bergantung pada <strong>pendapatan dan keadaan kewangan isi rumah<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-paradoks-rumah-mampu-milik-kenapa-rumah-rm300-000-masih-tidak-terjual\">4. Paradoks Rumah Mampu Milik: Kenapa Rumah RM300,000 Masih Tidak Terjual?<\/h2>\n\n\n\n<p>Jika <strong>RM300,000<\/strong> selama ini dianggap sebagai <strong>harga yang mampu milik<\/strong>, mengapa masih terdapat rumah dalam julat tersebut yang<strong> tidak terjual<\/strong>?<\/p>\n\n\n\n<p>Inilah yang menjadikan isu ini semakin kompleks.<\/p>\n\n\n\n<p><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/pasaran-hartanah-malaysia-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">Data NAPIC<\/a> yang dilaporkan pada Mei 2026 menunjukkan sebanyak <strong>14,201 unit kediaman <\/strong>siap bernilai RM2.77 bilion <strong>masih tidak terjual<\/strong>, dengan 43.3% daripada keseluruhan overhang hartanah terdiri daripada unit kediaman siap.<\/p>\n\n\n\n<p>Laporan New Straits Times yang dipetik daripada <a href=\"https:\/\/www.nst.com.my\/property\/2026\/07\/1489088\/malaysias-rm300000-affordable-homes-face-demand-mismatch-m40-struggle\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">data Rehda Institute <\/a>pada Julai menunjukkan bahawa daripada kira-kira 32,800 rumah siap yang masih tidak terjual pada suku pertama 2026, hampir separuh, iaitu sekitar 15,400 unit, berharga RM300,000 dan ke bawah.<\/p>\n\n\n\n<p>Lebih menarik, sebahagian besar unit tersebut berada dalam segmen yang selama ini dianggap &ldquo;mampu milik&rdquo;. Ini menunjukkan satu perkara penting: <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Harga murah tidak semestinya bermaksud mampu milik<\/mark><\/strong><\/p>\n<\/blockquote>\n\n\n\n<p>Bayangkan sebuah rumah dijual pada harga RM280,000. Pembeli masih perlu memikirkan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Deposit<\/li>\n\n\n\n<li>Bayaran guaman<\/li>\n\n\n\n<li>Kos pinjaman<\/li>\n\n\n\n<li>Renovasi<\/li>\n\n\n\n<li>Perabot<\/li>\n\n\n\n<li>Yuran penyelenggaraan<\/li>\n\n\n\n<li>Sinking fund<\/li>\n\n\n\n<li>Parkir<\/li>\n\n\n\n<li>Pengangkutan ke tempat kerja<\/li>\n\n\n\n<li>Tol dan petrol<\/li>\n\n\n\n<li>Kos sara hidup<\/li>\n<\/ul>\n\n\n\n<p>Jika rumah tersebut berada jauh dari pusat pekerjaan, kos perjalanan setiap bulan mungkin menyebabkan <strong>jumlah perbelanjaan meningkat<\/strong>.<\/p>\n\n\n\n<p>Ini membawa kepada apa yang disebut <strong>&ldquo;affordable housing paradox&rdquo;<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Rumah yang dikategorikan mampu milik masih boleh tidak terjual kerana lokasi, akses pembiayaan, kemudahan, kualiti dan kos pemilikan keseluruhan yang tidak semestinya memenuhi keperluan pembeli.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.nst.com.my\/property\/2026\/05\/1440672\/rm300000-homes-pile-unsold-malaysia-faces-affordable-housing-paradox-watch\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">NST turut melaporkan <\/a>bahawa sesetengah pembeli memilih untuk <strong>menyewa lebih dekat<\/strong> dengan tempat kerja berbanding membeli rumah yang lebih murah tetapi terletak jauh dan memerlukan kos perjalanan yang tinggi.<\/p>\n\n\n\n<p>Jadi, <strong>lokasi ialah sebahagian daripada kemampuan<\/strong>.<\/p>\n\n\n\n<p>Rumah yang <strong>murah tetapi tidak praktikal<\/strong> mungkin bukan pilihan yang benar-benar mampu milik.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-empat-undang-undang-perumahan-baharu-sedang-disediakan\">5. Empat Undang-Undang Perumahan Baharu Sedang Disediakan<\/h2>\n\n\n\n<p>Perubahan di bawah DRN 2026-2035 juga tidak terhad kepada penetapan harga rumah. KPKT merancang untuk menggubal atau meminda <strong>empat undang-undang berkaitan perumahan<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-1-akta-pembangunan-hartanah\"><strong>1. Akta Pembangunan Hartanah<\/strong><\/h4>\n\n\n\n<p>Akta baharu ini sedang berada pada peringkat akhir semakan. Skopnya dicadangkan lebih luas berbanding peraturan sedia ada dengan merangkumi pembangunan hartanah komersial seperti lot kedai selain projek perumahan.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-2-akta-pengurus-bangunan\"><strong>2. Akta Pengurus Bangunan<\/strong><\/h4>\n\n\n\n<p>Undang-undang ini bertujuan memperkukuh pengurusan bangunan, khususnya apabila Malaysia mempunyai hampir <strong>tiga juta unit hartanah strata <\/strong>merentasi lebih daripada<strong> 27,000 skim<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-3-akta-penyewaan-kediaman\"><strong>3. Akta Penyewaan Kediaman<\/strong><\/h4>\n\n\n\n<p>Akta ini dicadangkan untuk mewujudkan rangka kerja yang lebih jelas bagi melindungi <a href=\"https:\/\/iqiglobal.com\/blog\/bm\/tanggungjawab-dan-realiti-sewa\/\" target=\"_blank\" rel=\"noreferrer noopener\">kepentingan tuan rumah dan penyewa <\/a>serta mewujudkan pasaran sewaan yang lebih telus dan seimbang.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-4-pindaan-akta-pengurusan-strata-2013\"><strong>4. Pindaan Akta Pengurusan Strata 2013<\/strong><\/h4>\n\n\n\n<p>Pindaan ini bertujuan untuk menyesuaikan peraturan pengurusan strata dengan keperluan semasa dan memperkukuh tadbir urus badan seperti JMB, MC dan Commissioner of Buildings.<\/p>\n\n\n\n<p>Kesemua perubahan ini penting kerana rumah mampu milik bukan sekadar tentang membeli rumah.<\/p>\n\n\n\n<p>Tetapi juga tentang memastikan rumah tersebut selamat, terurus, sesuai didiami dan mempunyai kos pemilikan yang munasabah.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-bagaimana-perubahan-ini-berkait-dengan-skim-rumah-sedia-ada\">6. Bagaimana Perubahan Ini Berkait dengan Skim Rumah Sedia Ada?<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113719\/467.webp\" alt=\"\" class=\"wp-image-133635\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113719\/467.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113719\/467-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14113719\/467-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>Semua skim perumahan kerajaan tidak semestinya diselaraskan secara automatik dengan definisi baharu.<\/p>\n\n\n\n<p>Skim sedia ada seperti <strong>PRIMA<\/strong>, <strong>Rumah Selangorku, <\/strong><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/skjp-loan-cara-memohon-untuk-skim-jaminan-kredit-perumahan\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>SJKP MADANI<\/strong><\/a><strong> dan <\/strong><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/perumahan-kasih-johor\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Rumah Mampu Milik Johor (RMMJ)<\/strong><\/a> mempunyai syarat serta had harga tersendiri.<\/p>\n\n\n\n<p>Oleh itu, pembeli perlu menyemak syarat skim yang ingin dipohon kerana perubahan di bawah DRN 2026-2035 tidak bermaksud semua had harga skim sedia ada telah diubah.<\/p>\n\n\n\n<p>Pada masa yang sama, DRN 2026&ndash;2035 turut menekankan kepelbagaian mekanisme pemilikan seperti:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Rent-to-Own (RTO)<\/strong><\/li>\n\n\n\n<li><strong>Shared Ownership<\/strong><\/li>\n\n\n\n<li><strong>Fixed Rate Mortgage (FRM)<\/strong><\/li>\n\n\n\n<li><strong>SJKP<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Kerajaan juga mahu memperluas akses kepada pembiayaan, khususnya bagi golongan yang mempunyai corak pekerjaan dan pendapatan yang semakin pelbagai.<\/p>\n\n\n\n<p>Ini termasuk golongan ekonomi gig, usahawan, pekerja fleksibel dan individu yang memperoleh pendapatan daripada perniagaan digital.<\/p>\n\n\n\n<p><strong>Untuk pembeli rumah pertama,<\/strong> anda juga boleh meneroka pilihan pembiayaan yang tersedia sebelum membuat keputusan.<\/p>\n\n\n\n<p>Ketahui lebih lanjut tentang panduan memiliki rumah di laman blog kami.&nbsp;<\/p>\n\n\n \n<div data-block=\"gutenkit\/button\" data-post-id=\"133620\" id=\"block-bcc4714a-acf7-420f-abf4-ae70f1a96418\" class=\"wp-block-gutenkit-button gkita96418 gutenkit-block\"><div class=\"gkit-btn-wraper\"><a class=\"gkit-btn\" href=\"https:\/\/iqiglobal.com\/blog\/bm\/category\/jangkauan-pasaran\" target=\"_blank\" rel=\"noopener\">Laman Blog<\/a><\/div><\/div>\n \n\n\n<h2 class=\"wp-block-heading\" id=\"h-7-apa-yang-pembeli-rumah-patut-buat-sekarang\">7. Apa yang Pembeli Rumah Patut Buat Sekarang?<\/h2>\n\n\n\n<p>Perubahan definisi ini tidak bermakna pembeli perlu menunggu sehingga kerajaan mengumumkan harga rasmi bagi setiap lokaliti.<\/p>\n\n\n\n<p>Sebaliknya, anda boleh mula menilai kemampuan sendiri.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-1-jangan-lihat-harga-rumah-sahaja\"><strong>1. Jangan lihat harga rumah sahaja<\/strong><\/h4>\n\n\n\n<p>Mulakan dengan mengira jumlah kos pemilikan. Harga rumah RM300,000 tidak bermakna komitmen anda hanya RM300,000.<\/p>\n\n\n\n<p>Ambil kira deposit, kos transaksi, pembiayaan, penyelenggaraan dan pengangkutan.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-2-gunakan-pendapatan-isi-rumah-sebagai-panduan\"><strong>2. Gunakan pendapatan isi rumah sebagai panduan<\/strong><\/h4>\n\n\n\n<p>Salah satu kaedah mudah yang boleh digunakan ialah <strong>Median Multiple<\/strong>, iaitu membandingkan harga rumah dengan pendapatan tahunan isi rumah.<\/p>\n\n\n\n<p>Sebagai panduan kasar, nisbah sekitar <strong>4 hingga 5 kali pendapatan tahunan isi rumah<\/strong> boleh digunakan untuk membuat penilaian awal, tetapi bukan formula rasmi kelayakan pinjaman atau definisi KPKT.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Contoh:<br><br>Jika pendapatan isi rumah anda ialah: <strong>RM5,000 sebulan<\/strong><br>Pendapatan setahun: <strong>RM5,000 &times; 12 = RM60,000<\/strong><br><br>Jika menggunakan julat 4 hingga 5 kali pendapatan tahunan:<br><strong>RM60,000 &times; 4 = RM240,000<\/strong><br>hingga<br><strong>RM60,000 &times; 5 = RM300,000<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Maka, sekitar <strong>RM240,000 hingga RM300,000<\/strong> boleh dijadikan titik permulaan untuk menilai kemampuan.<\/p>\n\n\n\n<p>Namun, ini hanyalah anggaran awal. Komitmen hutang sedia ada, kadar pembiayaan, deposit dan perbelanjaan isi rumah tetap perlu diambil kira sebelum membuat keputusan.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-3-bandingkan-lokasi-bukan-rumah-sahaja\"><strong>3. Bandingkan lokasi, bukan rumah sahaja<\/strong><\/h4>\n\n\n\n<p>Sebelum membeli, tanyakan:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Berapa jauh rumah ini dari tempat kerja?<\/li>\n\n\n\n<li>Berapa kos petrol atau pengangkutan awam setiap bulan?<\/li>\n\n\n\n<li>Adakah sekolah dan kemudahan kesihatan mudah diakses?<\/li>\n\n\n\n<li>Adakah kawasan ini mempunyai infrastruktur yang mencukupi?<\/li>\n<\/ol>\n\n\n\n<p>Rumah yang sedikit lebih mahal tetapi menjimatkan kos pengangkutan mungkin lebih sesuai untuk kewangan jangka panjang.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-4-semak-skim-dan-insentif-yang-anda-layak\"><strong>4. Semak skim dan insentif yang anda layak<\/strong><\/h4>\n\n\n\n<p>Jika anda pembeli rumah pertama, semak pilihan pembiayaan dan insentif yang tersedia sebelum membuat keputusan.<\/p>\n\n\n\n<p>Jangan hanya mencari rumah yang paling murah. Cari rumah yang <strong>paling sesuai <\/strong>dengan kemampuan kewangan dan keperluan hidup anda.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-5-gunakan-data-semasa\"><strong>5. Gunakan data semasa<\/strong><\/h4>\n\n\n\n<p>Pembeli juga boleh merujuk data NAPIC dan membandingkan harga rumah di lokaliti yang diminati.<\/p>\n\n\n\n<p>Ini membantu anda membezakan antara harga yang benar-benar kompetitif dengan harga yang kelihatan murah tetapi mungkin mempunyai faktor lain yang perlu dipertimbangkan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-kesimpulan\">Kesimpulan<\/h2>\n\n\n\n<p>Rumah mampu milik <strong>bukan sekadar soal harga<\/strong>.<\/p>\n\n\n\n<p>Harga RM300,000 tidak lagi cukup untuk menentukan sama ada sesebuah rumah benar-benar mampu dimiliki. Melalui <strong>DRN 2026&ndash;2035<\/strong>, kerajaan mahu perancangan perumahan lebih berasaskan data, lokasi dan keperluan sebenar penduduk.<\/p>\n\n\n\n<p>Mulai 2027, pendekatan <em>big data<\/em> dijangka membantu menentukan rumah yang lebih sesuai dari segi <strong>jenis, jumlah, lokasi dan harga<\/strong>.<\/p>\n\n\n\n<p>Kerana rumah yang mampu milik bukan hanya murah untuk dibeli, tetapi <strong>mampu dibiayai dan didiami<\/strong> untuk jangka panjang.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Rumah idaman menanti! Dengan bimbingan perunding hartanah kami, perjalanan membeli rumah menjadi lebih mudah. Sertakan butiran anda di bawah dan terus berhubung dengan kami!<\/mark><\/strong><\/p>\n\n\n<!--  \t\t<form id=\"custom-lead-form\" action=\"https:\/\/iqiglobal.com\/blog\/wp-admin\/admin-post.php\" method=\"post\"> -->\n\t<form id=\"custom-lead-form\" action=\"https:\/\/iqiglobal.com\/leads\/blog\/invest\" method=\"post\">\n\t\t<input type=\"hidden\" name=\"previous_url\" value=\"\">\n        <input type=\"hidden\" name=\"action\" value=\"custom_blog_form\">\n\t\t<input type=\"hidden\" name=\"consent_agreement\" value=\"0\">\n\t\t<input type=\"hidden\" name=\"current_url\" value=\"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/133620\">\n\n        <input type=\"hidden\" id=\"_wpnonce\" name=\"_wpnonce\" value=\"f49c9f3147\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/blog\/wp-json\/wp\/v2\/posts\/133620\" \/>\n        <div class=\"custom-lead-form-div\">\n            <label class=\"custom-lead-form-label\" for=\"full_name\">Full Name:<\/label><br>\n           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value=\"Monaco\">Monaco<\/option><option value=\"Mongolia\">Mongolia<\/option><option value=\"Montenegro\">Montenegro<\/option><option value=\"Montserrat\">Montserrat<\/option><option value=\"Morocco\">Morocco<\/option><option value=\"Mozambique\">Mozambique<\/option><option value=\"Myanmar\">Myanmar<\/option><option value=\"Namibia\">Namibia<\/option><option value=\"Nauru\">Nauru<\/option><option value=\"Navassa Island\">Navassa Island<\/option><option value=\"Nepal\">Nepal<\/option><option value=\"Netherlands\">Netherlands<\/option><option value=\"Netherlands Antilles\">Netherlands Antilles<\/option><option value=\"New Caledonia\">New Caledonia<\/option><option value=\"New Zealand\">New Zealand<\/option><option value=\"Nicaragua\">Nicaragua<\/option><option value=\"Niger\">Niger<\/option><option value=\"Nigeria\">Nigeria<\/option><option value=\"Niue\">Niue<\/option><option value=\"Norfolk Island\">Norfolk Island<\/option><option value=\"North Korea\">North Korea<\/option><option value=\"North Macedonia\">North Macedonia<\/option><option value=\"Northern Mariana Islands\">Northern Mariana Islands<\/option><option value=\"Norway\">Norway<\/option><option value=\"Oman\">Oman<\/option><option value=\"Pakistan\">Pakistan<\/option><option value=\"Palau\">Palau<\/option><option value=\"Palestine\">Palestine<\/option><option value=\"Occupied\">Occupied<\/option><option value=\"Palmyra Atoll\">Palmyra Atoll<\/option><option value=\"Panama\">Panama<\/option><option value=\"Papua New Guinea\">Papua New Guinea<\/option><option value=\"Paraguay\">Paraguay<\/option><option value=\"Peru\">Peru<\/option><option value=\"Philippines\">Philippines<\/option><option value=\"Pitcairn Islands\">Pitcairn Islands<\/option><option value=\"Poland\">Poland<\/option><option value=\"Portugal\">Portugal<\/option><option value=\"Puerto Rico\">Puerto Rico<\/option><option value=\"Qatar\">Qatar<\/option><option value=\"R\u00e9union\">R\u00e9union<\/option><option value=\"Romania\">Romania<\/option><option value=\"Russia\">Russia<\/option><option value=\"Rwanda\">Rwanda<\/option><option value=\"Saint Barth\u00e9lemy\">Saint Barth\u00e9lemy<\/option><option value=\"Saint Helena\">Saint Helena<\/option><option value=\"Saint Kitts and Nevis\">Saint Kitts and Nevis<\/option><option value=\"Saint Lucia\">Saint Lucia<\/option><option value=\"Saint Martin (French part)\">Saint Martin (French part)<\/option><option value=\"Saint Pierre and Miquelon\">Saint Pierre and Miquelon<\/option><option value=\"Saint Vincent and the Grenadines\">Saint Vincent and the Grenadines<\/option><option value=\"San Marino\">San Marino<\/option><option value=\"S\u00e3o Tom\u00e9 and Pr\u00edncipe\">S\u00e3o Tom\u00e9 and Pr\u00edncipe<\/option><option value=\"Saudi Arabia\">Saudi Arabia<\/option><option value=\"Senegal\">Senegal<\/option><option value=\"Serbia\">Serbia<\/option><option value=\"Serbia and Montenegro\">Serbia and Montenegro<\/option><option value=\"Seychelles\">Seychelles<\/option><option value=\"Sierra Leone\">Sierra Leone<\/option><option value=\"Singapore\">Singapore<\/option><option value=\"Sint Maarten\">Sint Maarten<\/option><option value=\"Slovakia\">Slovakia<\/option><option value=\"Slovenia\">Slovenia<\/option><option value=\"Solomon Islands\">Solomon Islands<\/option><option value=\"Somalia\">Somalia<\/option><option value=\"South Africa\">South Africa<\/option><option value=\"South Georgia and the South Sandwich Islands\">South Georgia and the South Sandwich Islands<\/option><option value=\"South Korea\">South Korea<\/option><option value=\"South Sudan\">South Sudan<\/option><option value=\"Spain\">Spain<\/option><option value=\"Spratly Islands\">Spratly Islands<\/option><option value=\"Sri Lanka\">Sri Lanka<\/option><option value=\"Sudan\">Sudan<\/option><option value=\"Suriname\">Suriname<\/option><option value=\"Svalbard and Jan Mayen\">Svalbard and Jan Mayen<\/option><option value=\"Swaziland\">Swaziland<\/option><option value=\"Sweden\">Sweden<\/option><option value=\"Switzerland\">Switzerland<\/option><option value=\"Syria\">Syria<\/option><option value=\"Taiwan\">Taiwan<\/option><option value=\" China\"> China<\/option><option value=\"Tajikistan\">Tajikistan<\/option><option value=\"Tanzania\">Tanzania<\/option><option value=\"Thailand\">Thailand<\/option><option value=\"The Bahamas\">The Bahamas<\/option><option value=\"The Gambia\">The Gambia<\/option><option value=\"Togo\">Togo<\/option><option value=\"Tokelau\">Tokelau<\/option><option value=\"Tonga\">Tonga<\/option><option value=\"Trinidad and Tobago\">Trinidad and Tobago<\/option><option value=\"Tromelin Island\">Tromelin Island<\/option><option value=\"Tunisia\">Tunisia<\/option><option value=\"Turkey\">Turkey<\/option><option value=\"Turkmenistan\">Turkmenistan<\/option><option value=\"Turks and Caicos Islands\">Turks and Caicos Islands<\/option><option value=\"Tuvalu\">Tuvalu<\/option><option value=\"Uganda\">Uganda<\/option><option value=\"Ukraine\">Ukraine<\/option><option value=\"United Arab Emirates\">United Arab Emirates<\/option><option value=\"United Kingdom\">United Kingdom<\/option><option value=\"United States\">United States<\/option><option value=\"United States Minor Outlying Islands\">United States Minor Outlying Islands<\/option><option value=\"Uruguay\">Uruguay<\/option><option value=\"Uzbekistan\">Uzbekistan<\/option><option value=\"Vanuatu\">Vanuatu<\/option><option value=\"Venezuela\">Venezuela<\/option><option value=\"Vietnam\">Vietnam<\/option><option value=\"Virgin Islands (US)\">Virgin Islands (US)<\/option><option value=\"Wake Island\">Wake Island<\/option><option value=\"Wallis and Futuna\">Wallis and Futuna<\/option><option value=\"West Bank\">West Bank<\/option><option value=\"Western Sahara\">Western Sahara<\/option><option value=\"Western Samoa\">Western Samoa<\/option><option value=\"World\">World<\/option><option value=\"Yemen\">Yemen<\/option><option value=\"Yugoslavia\">Yugoslavia<\/option><option value=\"Zaire\">Zaire<\/option><option value=\"Zambia\">Zambia<\/option><option value=\"Zimbabwe\">Zimbabwe<\/option>\t\t\t\t\t<\/optgroup>\n            <\/select>\n        <\/div>\n\n        <div class=\"custom-lead-form-div\" style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 20px;\">\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"your_email\">Email:<\/label><br>\n\t\t\t\t<input type=\"email\" name=\"email\" class=\"full-width-input custom-lead-form-input\" required>\n\t\t\t<\/div>\n\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"phone_number\">Phone Number:<\/label><br>\n\t\t\t\t<div class=\"phone-input-wrapper\">\n\t\t\t\t\t<span id=\"country-code-display\">+60<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"phone_number_input\" placeholder=\"123456789\" required>\n\t\t\t\t\t<input type=\"hidden\" name=\"phone_number\" id=\"final_phone_number\">\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n    \t<\/div>\n\n\t\t<div id=\"interest-error\" style=\"color: red; display: none;\">\n\t\t\tPlease select at least one interest.\n\t\t<\/div>\n\n\t\t<div id=\"interest-group\" class=\"custom-lead-form-div\">\n\t\t\t<p>\n\t\t\t\t<label class=\"custom-checkbox-label\">I want to (Investor)<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"invest\"> Invest<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"buy\"> Buy<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"sell\"> Sell<\/label><br>\n\t\t\t<\/p>\n\t\t<\/div>\n\n\t\t<div class=\"custom-lead-form-div\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"consent_agreement\" value=\"1\" required> I give my consent to share my information to submit this form. For more details on our data practices, please refer to our <a href=\"https:\/\/www.iqiglobal.com\/privacy-policy\">Privacy Policy.<\/a><\/label><br>\n\t\t\t<input type=\"hidden\" name=\"newsletter\" value=\"0\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"newsletter\" value=\"1\"> I want the latest property updates, marketing emails, and newsletters from IQI Global by subscribing to IQI Global mailing list<\/label><br>\n\t\t<\/div>\n\n\t\t<input type=\"hidden\" name=\"g-recaptcha-response\" id=\"g-recaptcha-response\">\n\n\n        <p>\n            <button type=\"submit\">Submit<\/button>\n        <\/p>\n    <\/form>\n\n\t<style>\n        .full-width-input {\n            width: 100%;\n            padding: 8px;\n            box-sizing: border-box;\n        }\n\t\t.custom-lead-form-div {\n\t\t\tmargin-bottom: 20px;\n\t\t}\n\t\t.custom-lead-form-input {\n\t\t\tpadding: 8px 12px !important;\n\t\t\tborder-color: var(--theme-color-input_bd_color) !important;\n\t\t}\n\t\t.custom-lead-form-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 500 !important;\n\t\t}\n\n\t\t.custom-checkbox-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 400 !important;\n\t\t}\n\n\t\t.phone-input-wrapper {\n\t\t\tdisplay: flex;\n\t\t\talign-items: center;\n\t\t\tborder: 1px solid #ffb199; \/* soft orange border *\/\n\t\t\tborder-radius: 30px;\n\t\t\toverflow: hidden;\n\t\t\tbackground-color: #fff9f8;\n\t\t\tmax-width: 100%;\n\t\t}\n\n\t\t#country-code-display {\n\t\t\tpadding: 10px 14px;\n\t\t\tbackground-color: #f3f3f3;\n\t\t\tborder-right: 1px solid #ffb199;\n\t\t\tfont-size: 16px;\n\t\t\tcolor: #333;\n\t\t\twhite-space: nowrap;\n\t\t}\n\n\t\t#phone_number_input {\n\t\t\tflex: 1;\n\t\t\tborder: none;\n\t\t\tpadding: 10px 14px;\n\t\t\tfont-size: 16px;\n\t\t\tbackground-color: transparent;\n\t\t\toutline: none;\n\t\t}\n    <\/style>\n    <script src=\"https:\/\/www.google.com\/recaptcha\/api.js?render=6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC\"><\/script>\n\t<script>\n\t\tconst malaysianStates = [\"Johor\",\"Kedah\",\"Kuala Lumpur\",\"Melaka\",\"Negeri Sembilan\",\"Pahang\",\"Penang\",\"Perak\",\"Perlis\",\"Sabah\",\"Sarawak\",\"Selangor\",\"Terengganu\"];\n\n\t\tdocument.addEventListener('DOMContentLoaded', function () {\n\t\t\tconst locationSelect = document.querySelector('select[name=\"location\"]');\n\t\t\tconst countryCodeDisplay = document.getElementById('country-code-display');\n\t\t\tconst phoneInput = document.getElementById('phone_number_input');\n\t\t\tconst finalPhoneInput = document.getElementById('final_phone_number');\n\t\t\tconst form = document.getElementById('custom-lead-form');\n\t\t\tconst error = document.getElementById('interest-error');\n\n\t\t\tfunction updateFinalPhoneNumber() {\n\t\t\t\tconst code = countryCodeDisplay.textContent || '';\n\t\t\t\tconst number = phoneInput.value.trim();\n\t\t\t\tfinalPhoneInput.value = code + number;\n\t\t\t}\n\n\t\t\tlocationSelect.addEventListener('change', function () {\n\t\t\t\tconst selectedState = this.value;\n\n\t\t\t\t\/\/ If not Malaysian state\n\t\t\t\tif (!malaysianStates.includes(selectedState)) {\n\t\t\t\t\tcountryCodeDisplay.style.display = 'none';\n\t\t\t\t\tcountryCodeDisplay.textContent = '';\n\t\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t\t\treturn;\n\t\t\t\t}\n\n\t\t\t\t\/\/ Malaysian state \u2014 show +60\n\t\t\t\tcountryCodeDisplay.style.display = 'block';\n\t\t\t\tcountryCodeDisplay.textContent = '+60';\n\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t});\n\n\t\t\tphoneInput.addEventListener('input', updateFinalPhoneNumber);\n\n\t\t\tform.addEventListener('submit', function (e) {\n\t\t\t\te.preventDefault(); \/\/ \u2705 Prevent default submission first\n\n\t\t\t\tconst checkboxes = form.querySelectorAll('input[name=\"lead_type[]\"]');\n\t\t\t\tconst isChecked = Array.from(checkboxes).some(checkbox => checkbox.checked);\n\n\t\t\t\tif (!isChecked) {\n\t\t\t\t\terror.style.display = 'block';\n\t\t\t\t\treturn; \/\/ stop here if validation fails\n\t\t\t\t} else {\n\t\t\t\t\terror.style.display = 'none';\n\t\t\t\t}\n\n\t\t\t\t\/\/ \u2705 Now run reCAPTCHA v3\n\t\t\t\tgrecaptcha.ready(function () {\n\t\t\t\t\tgrecaptcha.execute('6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC', { action: 'submit' })\n\t\t\t\t\t\t.then(function (token) {\n\t\t\t\t\t\t\tdocument.getElementById('g-recaptcha-response').value = token;\n\t\t\t\t\t\t\tform.submit(); \/\/ \u2705 Safe manual submission\n\t\t\t\t\t\t});\n\t\t\t\t});\n\t\t\t});\n\t\t});\n\t<\/script>\n\n    \n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-soalan-lazim-faq\">Soalan Lazim (FAQ)<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1789357149124\"><strong class=\"schema-faq-question\"><strong>1. Mengapa Harga Rumah Sahaja Tidak Lagi Menentukan Kemampuan?<\/strong><\/strong> <p class=\"schema-faq-answer\">Harga rumah bukan satu-satunya faktor yang menentukan kemampuan. Pembeli juga perlu mengambil kira deposit, kos guaman, pinjaman, renovasi, penyelenggaraan, pengangkutan, tol, petrol dan kos sara hidup.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1789357166439\"><strong class=\"schema-faq-question\"><strong>2. Siapa yang Memerlukan Rumah Mampu Milik?<\/strong><\/strong> <p class=\"schema-faq-answer\">Rumah mampu milik bukan hanya untuk golongan berpendapatan rendah. Pembeli rumah pertama, golongan muda, keluarga baharu, golongan M40 serta pekerja dengan pendapatan tidak tetap turut menghadapi cabaran untuk memiliki rumah.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1789357185838\"><strong class=\"schema-faq-question\"><strong>3. Adakah Rumah RM300,000 Masih Dikira Rumah Mampu Milik?<\/strong><\/strong> <p class=\"schema-faq-answer\">RM300,000 tidak lagi boleh dianggap sebagai ukuran mutlak untuk menentukan rumah mampu milik di seluruh Malaysia. Pendekatan baharu melihat faktor seperti lokasi, pendapatan isi rumah dan keadaan pasaran setempat. Oleh itu, rumah RM300,000 mungkin lebih mampu dimiliki di sesetengah kawasan berbanding kawasan lain.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1789357198436\"><strong class=\"schema-faq-question\"><strong>4. Adakah Harga Rumah Akan Turun Dengan Definisi Baharu Ini?<\/strong><\/strong> <p class=\"schema-faq-answer\">Tidak semestinya. Perubahan definisi rumah mampu milik bukan bermaksud kerajaan menetapkan semua harga rumah supaya lebih murah. Sebaliknya, pendekatan baharu bertujuan memastikan pembangunan rumah lebih sepadan dengan pendapatan, permintaan dan keperluan penduduk di sesuatu kawasan.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1789357216512\"><strong class=\"schema-faq-question\"><strong>5. Bilakah Definisi Baharu Rumah Mampu Milik Akan Digunakan?<\/strong><\/strong> <p class=\"schema-faq-answer\">Kerajaan merancang menggunakan analitik data besar mulai 2027 untuk membantu menentukan jenis, jumlah, lokasi dan harga rumah berdasarkan keperluan setempat. Namun, angka dalam artikel seperti RM500,000 di Lembah Klang dan RM300,000 di Kelantan <strong>bukan harga rasmi baharu yang telah ditetapkan KPKT<\/strong>.<\/p> <\/div> <\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p class=\"has-text-align-center\"><strong>Baca Selanjutnya:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/pinjaman-rumah-40-tahun-berbaloi\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Pinjaman Rumah 40 Tahun: Berbaloi atau Beban? (2026)<\/mark><\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/pinjaman-perumahan-lppsa\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">LPPSA Malaysia: Kelebihan &amp; Syarat Untuk Penjawat Awam 2026<\/mark><\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/punca-loan-rumah-kena-reject\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Loan Rumah Kena Reject? 7 Punca Utama Yang Ramai Tak Sedar<\/mark><\/strong><\/a><\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p class=\"has-text-align-center\"><strong>Rujukan:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list has-small-font-size\">\n<li>Sharen Kaur. (2026, 16 Mei). <em>RM300,000 homes pile unsold: Malaysia faces affordable housing paradox <\/em>[Video]. New Straits Times. <a href=\"https:\/\/www.nst.com.my\/property\/2026\/05\/1440672\/rm300000-homes-pile-unsold-malaysia-faces-affordable-housing-paradox-watch\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">&nbsp;&nbsp;https:\/\/www.nst.com.my\/property\/2026\/05\/1440672\/rm300000-homes-pile-unsold-malaysia-faces-affordable-housing-paradox-watc<\/a>h<\/li>\n\n\n\n<li><em>Nga: Time to rethink what makes a home &lsquo;affordable&rsquo;<\/em>. (2026, 1 September).&nbsp; The Star.<a href=\"https:\/\/www.thestar.com.my\/news\/nation\/2026\/09\/01\/nga-time-to-rethink-what-makes-a-home-039affordable039\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"> https:\/\/www.thestar.com.my\/news\/nation\/2026\/09\/01\/nga-time-to-rethink-what-makes-a-home-039affordable039<\/a><\/li>\n\n\n\n<li><em>Housing Ministry to draft, amend four housing laws under National Housing Policy 2026-2035.<\/em> (2026, 10 Ogos). The Edge Malaysia. <a href=\"https:\/\/theedgemalaysia.com\/node\/813928\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">https:\/\/theedgemalaysia.com\/node\/813928<\/a><\/li>\n\n\n\n<li>Soo Wern Jun. (2026, 10 Ogos). Govt unveils housing policy shift: Big data to cut oversupply and drive affordable homes. <em>Malay Mail.<\/em><a href=\"https:\/\/www.malaymail.com\/news\/malaysia\/2026\/08\/10\/govt-unveils-housing-policy-shift-big-data-to-cut-oversupply-and-drive-affordable-homes\/230812\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><em> <\/em>https:\/\/www.malaymail.com\/news\/malaysia\/2026\/08\/10\/govt-unveils-housing-policy-shift-big-data-to-cut-oversupply-and-drive-affordable-homes\/230812<\/a><\/li>\n\n\n\n<li><em>AI and big data to shape affordable housing needs. <\/em>(2026, Ogos). Penang Property Talk.<a href=\"https:\/\/www.penangpropertytalk.com\/2026\/08\/ai-and-big-data-to-shape-affordable-housing-needs\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"> https:\/\/www.penangpropertytalk.com\/2026\/08\/ai-and-big-data-to-shape-affordable-housing-needs\/<\/a><\/li>\n\n\n\n<li><em>Three new housing laws planned as govt reviews Strata Management Act, says Nga Kor Ming. <\/em>(2026, 10 Ogos). Malay Mail.<a href=\"https:\/\/www.malaymail.com\/news\/malaysia\/2026\/08\/10\/three-new-housing-laws-planned-as-govt-reviews-strata-management-act-says-nga-kor-ming\/230840\"> <\/a><a href=\"https:\/\/www.malaymail.com\/news\/malaysia\/2026\/08\/10\/three-new-housing-laws-planned-as-govt-reviews-strata-management-act-says-nga-kor-ming\/230840\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">https:\/\/www.malaymail.com\/news\/malaysia\/2026\/08\/10\/three-new-housing-laws-planned-as-govt-reviews-strata-management-act-says-nga-kor-ming\/230840<\/a><\/li>\n<\/ol>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p>TL;DR: Rumah mampu milik tidak lagi bergantung pada satu harga untuk seluruh Malaysia. DRN 2026&ndash;2035 akan mengambil kira pendapatan dan keperluan setempat, dengan anggaran kemampuan berbeza mengikut lokasi. Mulai 2027, analitik data besar akan membantu memadankan bekalan rumah dengan permintaan sebenar. Selama bertahun-tahun, istilah rumah mampu milik sering dikaitkan dengan satu perkara mudah: harga rumah&hellip;<\/p>\n","protected":false},"author":92,"featured_media":133674,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[13602],"tags":[15577,13910,6438,13368,12099,15579],"class_list":["post-133620","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jangkaun-pasaran-bm","tag-drn-2026-2035","tag-harga-rumah-malaysia","tag-hartanah-malaysia-ms","tag-kpkt-bm","tag-rumah-mampu-milik","tag-rumah-pertama-pembeli-rumah-pertama"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.1 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Definisi &quot;Rumah Mampu Milik&quot; Berubah Seiring DRN 2026-2035<\/title>\n<meta name=\"description\" content=\"Definisi rumah mampu milik telah berubah pada 2026. Anda ingin tahu harga, lokasi, pendapatan dan kos sebenar pembelian rumah? Jom baca!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/iqiglobal.com\/blog\/bm\/definisi-rumah-mampu-milik-malaysia\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Definisi &#8220;Rumah Mampu Milik&#8221; Berubah Seiring DRN 2026-2035\" \/>\n<meta property=\"og:description\" content=\"Definisi rumah mampu milik telah berubah pada 2026. Anda ingin tahu harga, lokasi, pendapatan dan kos sebenar pembelian rumah? 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Mengapa Harga Rumah Sahaja Tidak Lagi Menentukan Kemampuan?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Harga rumah bukan satu-satunya faktor yang menentukan kemampuan. Pembeli juga perlu mengambil kira deposit, kos guaman, pinjaman, renovasi, penyelenggaraan, pengangkutan, tol, petrol dan kos sara hidup.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/iqiglobal.com\\\/blog\\\/bm\\\/definisi-rumah-mampu-milik-malaysia\\\/#faq-question-1789357166439\",\"position\":2,\"url\":\"https:\\\/\\\/iqiglobal.com\\\/blog\\\/bm\\\/definisi-rumah-mampu-milik-malaysia\\\/#faq-question-1789357166439\",\"name\":\"2. Siapa yang Memerlukan Rumah Mampu Milik?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Rumah mampu milik bukan hanya untuk golongan berpendapatan rendah. Pembeli rumah pertama, golongan muda, keluarga baharu, golongan M40 serta pekerja dengan pendapatan tidak tetap turut menghadapi cabaran untuk memiliki rumah.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/iqiglobal.com\\\/blog\\\/bm\\\/definisi-rumah-mampu-milik-malaysia\\\/#faq-question-1789357185838\",\"position\":3,\"url\":\"https:\\\/\\\/iqiglobal.com\\\/blog\\\/bm\\\/definisi-rumah-mampu-milik-malaysia\\\/#faq-question-1789357185838\",\"name\":\"3. Adakah Rumah RM300,000 Masih Dikira Rumah Mampu Milik?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"RM300,000 tidak lagi boleh dianggap sebagai ukuran mutlak untuk menentukan rumah mampu milik di seluruh Malaysia. Pendekatan baharu melihat faktor seperti lokasi, pendapatan isi rumah dan keadaan pasaran setempat. 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Mengapa Harga Rumah Sahaja Tidak Lagi Menentukan Kemampuan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Harga rumah bukan satu-satunya faktor yang menentukan kemampuan. Pembeli juga perlu mengambil kira deposit, kos guaman, pinjaman, renovasi, penyelenggaraan, pengangkutan, tol, petrol dan kos sara hidup.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/iqiglobal.com\/blog\/bm\/definisi-rumah-mampu-milik-malaysia\/#faq-question-1789357166439","position":2,"url":"https:\/\/iqiglobal.com\/blog\/bm\/definisi-rumah-mampu-milik-malaysia\/#faq-question-1789357166439","name":"2. Siapa yang Memerlukan Rumah Mampu Milik?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Rumah mampu milik bukan hanya untuk golongan berpendapatan rendah. Pembeli rumah pertama, golongan muda, keluarga baharu, golongan M40 serta pekerja dengan pendapatan tidak tetap turut menghadapi cabaran untuk memiliki rumah.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/iqiglobal.com\/blog\/bm\/definisi-rumah-mampu-milik-malaysia\/#faq-question-1789357185838","position":3,"url":"https:\/\/iqiglobal.com\/blog\/bm\/definisi-rumah-mampu-milik-malaysia\/#faq-question-1789357185838","name":"3. Adakah Rumah RM300,000 Masih Dikira Rumah Mampu Milik?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"RM300,000 tidak lagi boleh dianggap sebagai ukuran mutlak untuk menentukan rumah mampu milik di seluruh Malaysia. Pendekatan baharu melihat faktor seperti lokasi, pendapatan isi rumah dan keadaan pasaran setempat. Oleh itu, rumah RM300,000 mungkin lebih mampu dimiliki di sesetengah kawasan berbanding kawasan lain.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/iqiglobal.com\/blog\/bm\/definisi-rumah-mampu-milik-malaysia\/#faq-question-1789357198436","position":4,"url":"https:\/\/iqiglobal.com\/blog\/bm\/definisi-rumah-mampu-milik-malaysia\/#faq-question-1789357198436","name":"4. Adakah Harga Rumah Akan Turun Dengan Definisi Baharu Ini?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Tidak semestinya. Perubahan definisi rumah mampu milik bukan bermaksud kerajaan menetapkan semua harga rumah supaya lebih murah. Sebaliknya, pendekatan baharu bertujuan memastikan pembangunan rumah lebih sepadan dengan pendapatan, permintaan dan keperluan penduduk di sesuatu kawasan.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/iqiglobal.com\/blog\/bm\/definisi-rumah-mampu-milik-malaysia\/#faq-question-1789357216512","position":5,"url":"https:\/\/iqiglobal.com\/blog\/bm\/definisi-rumah-mampu-milik-malaysia\/#faq-question-1789357216512","name":"5. Bilakah Definisi Baharu Rumah Mampu Milik Akan Digunakan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Kerajaan merancang menggunakan analitik data besar mulai 2027 untuk membantu menentukan jenis, jumlah, lokasi dan harga rumah berdasarkan keperluan setempat. Namun, angka dalam artikel seperti RM500,000 di Lembah Klang dan RM300,000 di Kelantan <strong>bukan harga rasmi baharu yang telah ditetapkan KPKT<\/strong>.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"featured_image_url":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/09\/14163145\/Feature-image.jpg","_links":{"self":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/133620","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/users\/92"}],"replies":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/comments?post=133620"}],"version-history":[{"count":16,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/133620\/revisions"}],"predecessor-version":[{"id":133687,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/133620\/revisions\/133687"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media\/133674"}],"wp:attachment":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media?parent=133620"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/categories?post=133620"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/tags?post=133620"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}