Team Leader (Subsales) ∙ United
Stephanie Yap
REN20525
Team Leader (Subsales) ∙ United
Stephanie Yap
REN20525
About Stephanie Yap
Leveraging market knowledge and negotiation skills to deliver exceptional results. Your real estate success is my priority. Ready to make your real estate dreams a reality? Let's chat. Your dream home awaits.
142 properties on sale
109 properties on rent
Contact Stephanie Yap
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Stephanie Yap's Service Locations
Stephanie Yap's Service Locations
My Listings
Bayu Villa Apartment, Bayu Perdana
Jalan Batu Unjur, 41200, Selangor
₦ 86,971,155
Listed on May 20, 2025
Taman Telok
Jalan Dendang
₦ 148,316,158
Listed on February 3, 2026
Villa Sentosa
Jalan Dato Yusuf Shahbudin 3
₦ 337,098 /month
Listed on September 29, 2025
Taman Dato Hormat, Telok Panglima Garang
Jalan Pandan
₦ 75,846,938
Listed on April 28, 2023
ETP @ KIIP
KIIP Jenjarom
₦ 2,393,392,250
Listed on July 7, 2026
Taman Sentosa
Jalan 21
₦ 111,242,175
Listed on July 31, 2025
Taman Menara Maju, Klang
LORONG MANICKAVASAGAM
₦ 154,727,753
Listed on April 15, 2025
TRIO by Setia
Bukit Tinggi Klang
₦ 842,744
Listed on May 21, 2026
Taman Sentosa
Lorong Bendahara 42
₦ 438,227 /month
Listed on July 31, 2025
Bandar Parklands
Lorong Delima 16 Bukit Tinggi 3
₦ 414,629,925
Listed on March 13, 2026
Millenium Place @ Millenium Square
Jalan 14/1, Seksyen 14
₦ 168,542,008
Listed on December 29, 2025
Taman Jaya Utama
Jalan Utama 6
₦ 175,290,700
Listed on November 5, 2025
Taman Sungai Besi Indah
Jalan Sb Indah 1/5
₦ 134,164,805
Listed on June 17, 2025
Avenue Crest
Section 22, Batu Tiga, Shah Alam
₦ 353,952 /month
Listed on April 16, 2026
Avenue Crest
Section 22, Batu Tiga, Shah Alam
₦ 438,227 /month
Listed on January 22, 2026
Bandar Puteri Klang
Lorong Gelang
₦ 198,213,330
Listed on January 8, 2026
Casa Tropicana
Persiaran Tropicana, 47301, Selangor
₦ 741,615 /month
Listed on April 21, 2025
Bayu Villa Apartment, Bayu Perdana
Jalan Batu Unjur
₦ 94,380,558
Listed on March 9, 2026
Avenue Crest
Section 22, Batu Tiga, Shah Alam
₦ 404,180 /month
Listed on October 13, 2025
Menara Geno
Jalan Subang Mas
₦ 74,161,450
Listed on May 23, 2023
Taman Jaya Utama
Jalan Utama
₦ 131,468,025
Listed on April 5, 2026
The Hamstead
Jalan 9/118B, 56000, Kuala Lumpur
₦ 657,340 /month
Listed on March 24, 2025
Gravit8 @ Klang South
Jalan Bayu Laut
₦ 640,485 /month
Listed on April 6, 2026
Nahara @ Bandar Bukit Raja
Jalan Mahligai, Persiaran Astana / KU 2, Bandar Bukit Raja, 41050 Klang
₦ 276,419,950
Listed on January 12, 2026
Bandar Bukit Tinggi
Lorong Batu Nilam 15
₦ 539,356 /month
Listed on April 20, 2026
Taman Palm Grove
Leboh Siput
₦ 208,993,708
Listed on October 30, 2025
Taman Lembah Maju 600 Apartment
Jalan Maju 2/1, Taman Lembah Maju
₦ 99,443,763
Listed on January 13, 2026
La Vista
Jalan Tempua 2, Bandar Puchong Jaya
₦ 151,687,133
Listed on June 24, 2025
Banting Town
Jalan Cemerlang
₦ 1,854,036 /month
Listed on November 10, 2025
Dua Residency
Jalan Tun Razak, 50450, Kuala Lumpur
₦ 2,696,780 /month
Listed on April 15, 2025
Bandar Botanic
Jalan Cassia
₦ 182,032,650
Listed on March 16, 2026
Sunsuria Forum @ 7th Avenue
Setia Alam
₦ 741,615 /month
Listed on July 6, 2026
Koi Kinrara Suites
Jalan Pipit, Bandar Puchong Jaya
₦ 91,016,325
Listed on June 23, 2025
Bandar Puteri Klang
Jalan Sanggul
₦ 219,045,956
Listed on June 23, 2023
Avenue Crest
Section 22, Batu Tiga
₦ 438,227 /month
Listed on April 6, 2026
Bandar Bukit Tinggi
Lorong Batu Nilam 6
₦ 640,485 /month
Listed on April 29, 2026
Trio by Setia
Bukit Tinggi
₦ 1,045,002 /month
Listed on November 17, 2025
i-SOHO @ i-City
Jalan Plumbum 7/102, 40000, Selangor
₦ 404,517 /month
Listed on April 5, 2025
AraTre' Residences
Jalan PJU 1a/4a, Ara Damansara, 47301, Selangor
₦ 262,936,050
Listed on March 24, 2025
Taman Seri Mewah 3
Jalan Meranti Bunga 33
₦ 197,202,038
Listed on June 26, 2026
Bayan Villa
, Taman Bukit Serdang Seksyen 2
₦ 606,776 /month
Listed on May 14, 2026
Sunsuria Forum @ 7th Avenue
Jln Setia Dagang AL U13/AL, Seksyen U13, Setia Alam
₦ 151,693,875
Listed on June 28, 2026
BBK Condominium
Persiaran Bukit Raja 1, Bandar Baru Klang
₦ 84,267,633
Listed on February 23, 2026
Teluk Pulai
Jalan Teluk Pulai
₦ 262,936,050
Listed on June 26, 2025
Bandar Bukit Tinggi
Lorong Batu Nilam 11
₦ 201,584,305
Listed on April 22, 2024
Palm Garden Apartment
Persiaran Bukit Raja
₦ 556,211 /month
Listed on June 10, 2025
Vista Bayu Apartment, Taman Bayu Perdana
Jalan Batu Unjur 9
₦ 438,227 /month
Listed on April 15, 2026
Taman Bayu Perdana
Jalan Batu Unjur 1
₦ 2,696,780 /month
Listed on April 5, 2026
Gravit8 @ Klang South
Jalan Bayu Laut
₦ 471,937 /month
Listed on April 30, 2026
Taman Sri Jaromas
Jalan 3/12
₦ 197,202,038
Listed on January 20, 2024
BSP 21
Bandar Saujana Putra
₦ 539,356 /month
Listed on July 30, 2025
Desa Idaman, Taman Puchong Prima
Taman Puchong Prima Puchong
₦ 151,626,456
Listed on October 13, 2025
Pangsapuri Intan
Jalan Bukit Permai, Taman Bukit Permai
₦ 80,229,205
Listed on June 24, 2025
Taman Perindustrian Pandamaran
Jalan Perusahaan
₦ 5,663,238 /month
Listed on December 20, 2025
Taman Sentosa
Lorong Hulubalang 10
₦ 455,082 /month
Listed on August 4, 2025
Taman Millenium, Sentosa
Jalan Hulubalang 37a
₦ 43,815,933
Listed on December 5, 2025
Kesas 32 Industrial Park
Jalan Sungai Jeluh 32/201
₦ 2,595,651 /month
Listed on April 5, 2026
Taman Mutiara
Jalan Mutiara Cheras
₦ 1,011,293 /month
Listed on February 4, 2026
Impian Sentosa
Jalan Dato Abdul Hamid 6, Taman Sentosa, Klang
₦ 269,678 /month
Listed on December 20, 2025
Ken Rimba
Jalan Lengkuas, Rimba Jaya
₦ 235,968,250
Listed on March 12, 2024
Casa Subang
Jalan Subang 1, Subang Light Industrial Park
₦ 539,356 /month
Listed on June 26, 2025
USJ 6
Jalan USJ 6/1
₦ 741,615 /month
Listed on August 4, 2025
Bandar Parklands
Jalan Delima 13 Bukit Tinggi 3
₦ 285,858,680
Listed on March 13, 2024
Residensi Alami
Jalan Tinju 13/50, 40100, Selangor
₦ 151,693,875
Listed on April 28, 2025
Pangsapuri Kasuarina
Bandar Botanik, Klang
₦ 471,937 /month
Listed on April 23, 2026
Vista Lavender
Persiaran Kinrara Seksyen 3
₦ 60,677,550
Listed on September 23, 2025
Impian Sentosa
Jalan Dato Abdul Hamid 6, Taman Sentosa, Klang
₦ 337,098 /month
Listed on June 24, 2025
Avenue Crest
Section 22, Batu Tiga, Shah Alam
₦ 70,790,475
Listed on March 30, 2026
Saujana Damansara
Desa Riang, 47830, Selangor
₦ 50,564,625
Listed on June 27, 2024
Green Residence
Jalan Sayang 1, Taman Rasa Sayang
₦ 674,195 /month
Listed on April 20, 2026
Kiara East
Jalan 3/18A Taman Mastiara
₦ 161,132,605
Listed on February 27, 2026
Skypod Residences
Persiaran Puchong Jaya Selatan
₦ 606,776 /month
Listed on August 29, 2025
TRIO by Setia
Bukit Tinggi Klang
₦ 809,034 /month
Listed on June 4, 2026
USJ 1
Jalan USJ 1/1, 47500 Subang Jaya, Selangor
₦ 438,227 /month
Listed on April 21, 2025
Bayu Villa Apartment, Bayu Perdana
Jalan Batu Unjur
₦ 94,387,300
Listed on May 13, 2026
Taman Sentosa
Jalan Dato Abdul Hamid 16A
₦ 137,535,780
Listed on September 23, 2024
GEO Bukit Rimau
Jalan Sungai Burung
₦ 842,744 /month
Listed on March 19, 2025
Taman Melawis (Taman Heng Luen)
Jalan Emas; Jalan Besi
₦ 185,403,625
Listed on November 14, 2025
Prima Bayu
Jalan Batu Unjur 9
₦ 114,606,408
Listed on April 22, 2026
Bandar Putera 2, Klang
Jalan Kebun Nenas
₦ 174,616,505
Listed on November 29, 2024
Canary Garden @Bandar Bestari
Jalan Bestari 1
₦ 758,469 /month
Listed on July 7, 2026
Pelangi Damansara
Persiaran Surian, Mutiara Damansara, 47800, Selangor
₦ 151,693,875
Listed on May 20, 2025
Livia @ Bandar Rimbayu
Jalan Fauna 3
₦ 320,242,625
Listed on October 28, 2024
Golden Villa Apartment
Jln Temenggung 37, Taman Sentosa Perdana
₦ 62,363,038
Listed on December 5, 2025
Sunsuria Forum @ 7th Avenue
40170, Selangor
₦ 977,583 /month
Listed on February 24, 2025
BAYU PERDANA
Jalan Batu Unjur 1
₦ 606,776 /month
Listed on April 5, 2026
Jalan Meru
Jalan Muda Meru
₦ 177,987,480
Listed on May 15, 2026
Bandar Botanic
Angsana
₦ 910,163 /month
Listed on July 4, 2026
Bandar Bukit Tinggi
41200 Klang
₦ 505,646 /month
Listed on September 2, 2025
Bandar Parklands
Bukit Tinggi 3 Lorong Delima 4
₦ 229,226,300
Listed on June 24, 2025
Bangsar Hill Park
13, Lorong Maarof 1, Bangsar, 59000 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur
₦ 2,106,859 /month
Listed on September 30, 2025
Teluk Pulai
Jalan Teluk Pulai
₦ 158,429,083
Listed on September 22, 2025
Taman Sentosa
Jalan Temenggung 37
₦ 256,194,100
Listed on November 20, 2024
Apartment Tropika, Bandar Bukit Tinggi
Jalan Batu Nilam 13
₦ 99,443,763
Listed on March 31, 2026
Trefoil
Jalan Setia Dagang AH U13/AH, Setia City
₦ 74,835,645
Listed on April 16, 2026
Canary Garden @Bandar Bestari
KSL Bandar Bestari Klang
₦ 1,112,422 /month
Listed on June 22, 2026
Putra Heights
Jalan Putra Bistari
₦ 262,261,855
Listed on April 24, 2025
AVENUE CREST-SEK 22 SHAH ALAM
9-08, JLN JUBLI PERAK 22/1,AVENUE CREST-SEK 22 SHAH ALAM
₦ 67,419,500
Listed on April 16, 2026
Ken Rimba
Jalan Lengkuas, Rimba Jaya
₦ 219,106,633
Listed on December 14, 2025
The Lead Residences @ Bukit Tinggi 2
Off Jalan Langat, Bandar Bukit Tinggi 2
₦ 943,873 /month
Listed on April 15, 2026
Bandar Parkland
Jalan Jed 3
₦ 1,685,488 /month
Listed on January 12, 2026
Baiduri Courts
Jalan BP 14, Bandar Bukit Puchong
₦ 337,098 /month
Listed on September 8, 2025
Bandar Bukit Tinggi
Lorong Batu Nilam 1A
₦ 144,614,828
Listed on June 6, 2026
Bandar Botanic Klang
Jalan Jasmin 6
₦ 657,340,125
Listed on June 12, 2023
Bandar Bukit Tinggi
Lorong Batu Nilam 14
₦ 201,921,403
Listed on June 4, 2026
Taman Telok
Jalan Dendang
₦ 404,517 /month
Listed on April 4, 2026
Bandar Botanic
Jalan Jenaris
₦ 842,744 /month
Listed on October 14, 2025
Kota Bayuemas
Setia Bayuemas Klang
₦ 279,784,183
Listed on January 31, 2026
Bandar Puteri Klang
Jalan Kerongsang
₦ 195,516,550
Listed on March 30, 2026
Taman Melawis (Taman Heng Luen)
Jalan Loyang; Jalan Emas; Jalan Besi
₦ 168,542,008
Listed on October 29, 2024
Taman Sejati 5
Lorong Bendahara
₦ 166,863,263
Listed on June 10, 2025
Bandar Puteri Klang
Jalan Kerongsang
₦ 163,492,288
Listed on November 13, 2025
Bandar Tasik Puteri
Jalan Tasik Puteri 5/7
₦ 606,776 /month
Listed on May 15, 2026
Bandar Putera
Jalan Kebun Nenas
₦ 286,499,165
Listed on April 16, 2026
Central Residence, Sungai Besi
Jalan Sungai Besi
₦ 131,468,025
Listed on June 19, 2025
Bandar Bukit Tinggi 2
Lorong Batu Nilam 34
₦ 1,179,841 /month
Listed on June 15, 2026
Prima Klang Avenue
Jalan Kota
₦ 67,419,500
Listed on January 5, 2026
Persiaran Anggerik Aranda
Persiaran Anggerik Aranda
₦ 404,517,000
Listed on October 14, 2025
The Maple Residence
Jalan Langat , 42000, Selangor
₦ 556,211 /month
Listed on March 20, 2025
Kota Bayuemas
Bayuemas
₦ 741,615 /month
Listed on July 4, 2026
Parkhill Residence
Jalan Teknologi 1
₦ 182,032,650
Listed on March 30, 2026
Sri Nervillia Apartment (Pangsapuri Sri Nervillia)
Jalan Anggerik Nervillia 31/166, Kota Kemuning
₦ 286,533 /month
Listed on July 22, 2025
Taman Lembah Maju
Jalan Maju 2/7
₦ 97,751,533
Listed on November 21, 2024
AraTre' Residences
Jalan PJU 1a/4a, Ara Damansara, 47301, Selangor
₦ 1,179,841 /month
Listed on April 25, 2025
Asteria Apartment @ Bandar ParkLand
Bandar Parklands Klang
₦ 438,227 /month
Listed on June 15, 2026
Bandar Bukit Tinggi
Lorong Batu Nilam 14
₦ 195,516,550
Listed on February 5, 2026
Taman Mesra Indah, Klang
Lorong Samarinda 26
₦ 640,485 /month
Listed on July 22, 2025
ETP @ KIIP
KllP Jenjarom
₦ 8,764,535 /month
Listed on February 24, 2026
Bandar Puteri Klang
Jalan Sanggul
₦ 640,485
Listed on July 10, 2026
MET 1 Residences @ KL Metropolis
Jalan Sultan Haji Ahmad Shah
₦ 1,011,293 /month
Listed on September 3, 2025
Villa Sentosa
Jalan Dato Yusuf Shahbudin 3
₦ 303,388 /month
Listed on January 6, 2024
Kota Bayuemas
Jalan Bayu Laut 1
₦ 1,112,422
Listed on May 4, 2026
BBK Condominium
Persiaran Bukit Raja 1, Bandar Baru Klang
₦ 337,098 /month
Listed on February 23, 2026
Waltz Residences @ Paradigm Garden City
Jalan Awan Besar
₦ 266,307,025
Listed on November 27, 2025
Taman Sentosa
Jalan Dato Yusof Shahbudin 1
₦ 157,761,630
Listed on December 6, 2024
Bandar Puteri Klang
Jalan Pending
₦ 168,542,008
Listed on January 19, 2026
Bayuemas
Jalan Pendamaran
₦ 741,615 /month
Listed on June 19, 2025
Kota Bayuemas
Bayuemas Bandar Parklands
₦ 242,710,200
Listed on July 4, 2026
Taman Desawan, Klang
Jalan Gambus
₦ 177,987,480
Listed on June 30, 2026
Kota Bayuemas
Jalan Bayu Impian 15
₦ 707,567,653
Listed on January 24, 2024
Avenue Crest
Section 22, Batu Tiga, Shah Alam
₦ 404,517 /month
Listed on December 10, 2025
Golden Villa Apartment
Jln Temenggung 37, Taman Sentosa Perdana
₦ 77,532,425
Listed on April 16, 2024
Rhythm Avenue
USJ 19
₦ 505,646 /month
Listed on January 8, 2026
Merak Kayangan Court
Jalan Kapas
₦ 2,528,231 /month
Listed on September 17, 2025
Perdana Villa @ Taman Sentosa Perdana
Jalan Temenggung 37
₦ 66,071,110
Listed on March 11, 2026
Skyvilla, D Island Residence
Persiaran Utara
₦ 488,791 /month
Listed on April 16, 2026
Golden Villa Apartment
Jln Temenggung 37, Taman Sentosa Perdana
₦ 269,678 /month
Listed on December 17, 2025
Taman Sri Andalas
Jalan Sri Damak
₦ 606,776 /month
Listed on March 25, 2024
Avenue Crest
Section 22, Batu Tiga, Shah Alam
₦ 404,517 /month
Listed on December 2, 2025
Bandar Botanic
Bungor
₦ 842,744 /month
Listed on July 7, 2026
Pangsapuri Akasia, Bandar Botanic
Persiaran Kasuarina
₦ 77,532,425
Listed on March 12, 2026
Bandar Puteri Klang
Jalan Sanggul
₦ 195,516,550
Listed on May 23, 2024
BANDAR PARKLANDS
Jalan Jed 4
₦ 1,516,939 /month
Listed on March 10, 2026
TRIO by Setia
Bukit Tinggi Klang
₦ 556,211 /month
Listed on July 2, 2026
Taman Sutera
43000 Kajang
₦ 1,854,036 /month
Listed on September 22, 2025
Trifolis Apartment
Jalan Batu Nilam 36/KS6, 41200, Selangor
₦ 112,927,663
Listed on April 15, 2025
Trifolis Apartment
Jalan Batu Nilam 36/KS6
₦ 421,372 /month
Listed on February 27, 2026
Bandar Saujana Putra
Bandar Saujana Putra
₦ 404,517 /month
Listed on July 4, 2025
BAYU PERDANA
Jalan Batu Unjur 1
₦ 269,678 /month
Listed on April 5, 2026
Bayu Villa Apartment, Bayu Perdana
Jalan Batu Unjur
₦ 157,761,630
Listed on November 16, 2025
Setia City Residences @ Setia City
Jalan Setia Dagang AH U13/AH
₦ 252,822,451
Listed on December 2, 2025
Taman Bayu Perdana
Jalan Batu Unjur
₦ 539,356 /month
Listed on July 1, 2025
Pangsapuri Palma
Jalan Palma Raja 3/KS6, Bandar Botanic, Klang, 41200, Selangor
₦ 52,250,113
Listed on August 29, 2024
Bandar Bestari
Klang, Selangor
₦ 606,776 /month
Listed on May 23, 2024
Seri Jati & Baiduri
Jalan Setia Gemilang U13/45B
₦ 438,227 /month
Listed on July 29, 2025
Bandar Botanic
Jalan Jenaris
₦ 397,775,050
Listed on March 12, 2026
Impian Sentosa
Jalan Dato Abdul Hamid 6, Taman Sentosa
₦ 303,388 /month
Listed on October 2, 2023
Vista Bayu Apartment, Taman Bayu Perdana
Jalan Batu Unjur 9
₦ 589,921 /month
Listed on December 5, 2025
Perdana Villa
Jalan Temenggung 37, Taman Sentosa Perdana
₦ 303,388 /month
Listed on August 16, 2023
The Havre
Lebuhraya Bukit Jalil
₦ 168,542,008
Listed on August 29, 2025
Gravit8 @ Klang South
Kota Bayuemas
₦ 539,356 /month
Listed on May 5, 2026
Vista Indah Putra
Jalan Batu Unjur 8, 42000, Selangor
₦ 91,016,325
Listed on November 20, 2024
Bandar Puteri Klang
Jalan Pending
₦ 219,106,633
Listed on November 22, 2024
Pangsapuri Seroja
U13/50, Seksyen U13
₦ 269,678 /month
Listed on September 30, 2025
Akasia Apartment, Pusat Bandar Puchong
Jalan Wawasan 2/3
₦ 539,356 /month
Listed on July 19, 2025
Taman Jaya Utama
Jalan Sepukal
₦ 337,098 /month
Listed on July 6, 2026
Jalan Setia Utama U13/37M
Jalan Setia Utama U13/37M
₦ 404,517,000
Listed on April 8, 2025
Bandar Puteri Klang
Jalan Sanggul
₦ 225,855,325
Listed on May 8, 2023
Bandar Bukit Tinggi 1 Apartment
Jalan Batu Nilam 15
₦ 67,412,758
Listed on April 21, 2026
Menara U2
Jalan Boling Padang 13/62, Section 13,
₦ 640,485 /month
Listed on June 30, 2026
BSP21, Bandar Saujana Putra
Jalan Saujana Putra
₦ 539,356 /month
Listed on March 21, 2025
Teluk Pulai
Jalan Teluk Pulai
₦ 281,476,413
Listed on April 8, 2025
SS 17
Jalan SS 17/3
₦ 310,129,700
Listed on January 5, 2026
Bayu Villa Apartment, Bayu Perdana
Jalan Batu Unjur, 41200, Selangor
₦ 101,122,508
Listed on February 24, 2025
Apartment Hijau Ria
Jalan 2/1, Taman Kepong Indah
₦ 97,084,080
Listed on February 25, 2025
Bandar Puteri Klang
Jalan Pending 2
₦ 201,921,403
Listed on March 25, 2025
Taman Bayu Perdana
Jalan Batu Unjur
₦ 168,211,653
Listed on February 25, 2025
Taman Sentosa
Jalan Dato Abdul Hamid 16
₦ 180,347,163
Listed on February 15, 2025
Eco Majestic
Lingkaran Eco Majestic
₦ 404,517,000
Listed on June 4, 2025
Taman Desawan, Klang
Jalan Gambus
₦ 112,253,468
Listed on March 12, 2024
Bandar Botanic
Akasia
₦ 1,011,293 /month
Listed on July 3, 2026
Dynasty Condominium
Jalan Batu Tiga Lama
₦ 128,090,308
Listed on July 30, 2025
Endah Villa Condominium
Jalan 2/149B, Taman Sri Endah
₦ 522,501 /month
Listed on July 19, 2025
Bandar Botanic
Jalan Kiara
₦ 228,889,203
Listed on January 9, 2026
Vista Bayu Apartment, Taman Bayu Perdana
Jalan Batu Unjur 9
₦ 99,443,763
Listed on January 16, 2026
Gravit8 @ Klang South
Jalan Bayu Laut
₦ 471,937 /month
Listed on September 3, 2025
Bandar Puteri Klang
Jalan Kerongsang
₦ 144,951,925
Listed on July 7, 2026
Bandar Botanic
Angsana
₦ 337,097,500
Listed on July 4, 2026
Taman Desa Permai
Jalan Meranti Putih
₦ 123,040,588
Listed on July 1, 2025
Meru
Jalan Haji Abdul Manan
₦ 5,056,463 /month
Listed on May 8, 2026
AraTre' Residences
Jalan PJU 1a/4a, Ara Damansara, 47301, Selangor
₦ 261,250,563
Listed on March 4, 2025
Kekwa Apartment @ Putra Perdana
Bulatan Putra Perdana, Taman Putra Perdana, 47100, Selangor
₦ 53,935,600
Listed on March 6, 2025
Bandar Puteri Klang
Jalan Pending
₦ 214,056,913
Listed on October 19, 2025
Pangsapuri Vista Danau Kota
33914, Jalan Danau Saujana 1, Taman Danau Kota, 53000 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur
₦ 573,066 /month
Listed on July 21, 2025
Taman Batu Belah
Jalan Sungai Agas 7
₦ 235,968,250
Listed on May 12, 2023
Pandan Indah
Jalan Perubatan 3
₦ 606,776 /month
Listed on April 4, 2025
Bandar Puteri Klang
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Malaysia's real estate scene never sits still. From 1 June 2026, a new PERKESO scheme called Skim Kemalangan Bukan Bencana Kerja (SKBBK), branded LINDUNG 24 JAM, reshapes how accident protection works for millions of workers. For agents, it raises a fair question: what does SKBBK mean for my career? Understanding it is not just about compliance. It is about knowing whether you are protected, and building a livelihood on solid ground. Here is the part that surprises many people. SKBBK protects employees, but it does not automatically cover the self-employed. In real estate, where most negotiators work on commission, that single line decides who is covered and who is exposed. This guide breaks down what SKBBK is, who is affected, who slips through the gap, and how the right agency support helps agents navigate the change with confidence. TL;DRSKBBK 2026 gives eligible employees 24-hour accident protection, but it does not automatically cover self-employed RENs. For property agents, the key is simple: check whether you are covered, understand your protection gap, and arrange separate coverage if needed. Table of contentsWhat is SKBBK 2026 (LINDUNG 24 JAM)?Who is affected by SKBBK, and who is left out?How much is the SKBBK deduction, and what do agents get?How does IQI help agents handle the change?The Numbers Behind SKBBK, and How Agents CompareFAQs What is SKBBK 2026 (LINDUNG 24 JAM)? SKBBK stands for Skim Kemalangan Bukan Bencana Kerja, or the Non-Employment Injury Scheme. Run by PERKESO (SOCSO), it covers accidents that do not arise from your job. It was created under the Employees' Social Security (Amendment) Act 2026 (Act A1788). The Act received Royal Assent on 23 February 2026, was gazetted on 5 March 2026, and took effect on 1 June 2026. Before SKBBK, PERKESO mainly covered accidents at work or while commuting for work. An injury at home, on a weekend drive, or during a hobby usually fell outside the net. SKBBK closes that gap. It extends protection to 24 hours a day, as long as the accident happens within Malaysia. SituationBefore SKBBKWith SKBBK (LINDUNG 24 JAM)Accident at workCoveredCoveredCommuting for workCoveredCoveredAccident at homeNot coveredCoveredWeekend or personal travelNot coveredCoveredRecreational activityNot coveredCovered Cover applies to accidents within Malaysia only. Every claim is subject to PERKESO's assessment. Why does this matter so much for real estate professionals? Because real estate is a mobile and flexible career. Agents are often on the road, travelling to viewings, meeting clients after office hours, and working on weekends. This means they are exposed to everyday risks more often than many office-based workers. The issue is that many property agents are self-employed, and SKBBK does not automatically cover this group. For agents, this distinction is important because it can determine whether they have accident protection or need to arrange their own coverage. Who is affected by SKBBK, and who is left out? Let us be precise, because this is where it gets nuanced for our industry. You are covered under SKBBK if you are an employee registered under the Employees’ Social Security Act 1969 (Act 4). This includes both local and foreign employees, regardless of age, as long as your employer deducts and remits SOCSO contributions on your behalf. However, you are not covered under SKBBK if you are self-employed and registered under the Self-Employment Social Security Act 2017 (Act 789). Self-employed individuals fall under a separate framework, with their own voluntary protection scheme. So where do real estate negotiators sit? It depends on your arrangement. Salaried or employee-status agents (formal Act 4 contract, SOCSO deducted): covered. You will simply see the new deduction from June 2026 payroll. Independent RENs who work on commission as contractors, which is most of the industry: not automatically covered. SKBBK's 24-hour protection does not reach you by default. That gap matters. A commission-based agent hurt during personal time, the exact situation SKBBK was built for, may find they were never enrolled at all, unless they took separate steps like private insurance or voluntary self-employed SOCSO. Curious how far the REN route can actually go? See how much property agents really earn in Malaysia. How much is the SKBBK deduction, and what do agents get? For agents who are covered as employees, the numbers are modest. Rate: 0.75% of monthly wages in Phase 1. Wage ceiling: RM6,000, so the most you pay is RM45 a month. Who pays: the employee, in full. Employers only deduct and remit. Later phases: the rate rises in stages toward 1.25%. .iqi-calc{border:1px solid #ececec;border-top:4px solid #FF6B35;border-radius:12px;padding:22px;margin:22px 0;background:#fafafa;} .iqi-calc *{box-sizing:border-box;} .iqi-calc h4{margin:0 0 4px;font-size:18px;color:#1a1a1a;font-weight:800;} .iqi-calc .sub{margin:0 0 16px;font-size:13px;color:#777;} .iqi-calc label{display:block;font-size:13px;font-weight:700;color:#1a1a1a;margin-bottom:6px;} .iqi-calc .row{display:flex;align-items:center;gap:8px;background:#fff;border:1px solid #ddd;border-radius:8px;padding:10px 12px;} .iqi-calc .row .cur{color:#777;font-weight:700;} .iqi-calc input[type=number]{border:0;outline:0;font-size:16px;width:100%;color:#1a1a1a;background:transparent;} .iqi-calc input[type=range]{width:100%;margin-top:14px;accent-color:#FF6B35;} .iqi-calc .out{display:flex;flex-wrap:wrap;gap:12px;margin-top:16px;} .iqi-calc .card{flex:1 1 140px;background:#1a1a1a;border-radius:10px;padding:16px;text-align:center;} .iqi-calc .card .n{font-size:26px;font-weight:800;color:#FF6B35;line-height:1;} .iqi-calc .card .l{margin-top:6px;font-size:12px;color:#e6e6e6;} .iqi-calc .note{margin:14px 0 0;font-size:12px;color:#777;line-height:1.5;} SKBBK deduction calculator See what SKBBK takes from your pay each month (Phase 1, 0.75%). Your monthly wage (RM) RM RM30.00per month RM360.00per year Based on 0.75% of wages, capped at the RM6,000 ceiling, so RM45 a month maximum. For employees under Act 4. Estimate for guidance only. (function(){ var s=document.getElementById('iqiSkbbkSalary'); var r=document.getElementById('iqiSkbbkRange'); var m=document.getElementById('iqiSkbbkMonth'); var y=document.getElementById('iqiSkbbkYear'); var note=document.getElementById('iqiSkbbkNote'); if(!s||!r||!m||!y){return;} var base_note='Based on 0.75% of wages, capped at the RM6,000 ceiling, so RM45 a month maximum. For employees under Act 4. Estimate for guidance only.'; var cap_note='Your wage is above the RM6,000 ceiling, so SKBBK is capped at RM45 a month. Based on 0.75%, for employees under Act 4. Estimate for guidance only.'; function fmt(v){return 'RM'+v.toFixed(2);} function calc(val){ var w=parseFloat(val); if(isNaN(w)||w6000)?cap_note:base_note; } s.addEventListener('input',function(){r.value=Math.min(parseFloat(s.value)||0,10000);calc(s.value);}); r.addEventListener('input',function(){s.value=r.value;calc(r.value);}); calc(s.value); })(); A six-month grace period begins from 1 June 2026. During this period, PERKESO may waive penalties for SKBBK non-compliance, although the required contributions still need to be paid. So, what does the coverage include? SKBBK provides protection for non-work-related accidents within Malaysia, whether they happen at home, during personal travel, or while taking part in recreational activities. Depending on PERKESO’s assessment, the benefits may include medical treatment, disablement support and rehabilitation. For independent RENs, the main concern is not the salary deduction. It is the protection gap. Treat SKBBK as a reminder to check whether you are properly covered. If you are not, consider closing the gap through voluntary protection under Act 789 or a private personal accident policy. How does IQI help agents handle the change? This is where agency support stops being a slogan and becomes real value. For employee-status agents, IQI’s back office helps ensure deductions and remittances are handled correctly. That means one less administrative concern for agents to manage on their own. For independent RENs, who may not be automatically covered under SKBBK, the value of having the right agency support becomes even more important. Clear guidance on your real coverage status, so you know whether you are protected or need your own safety net. A support network of team leaders and admin staff who point you to the right protection before you need it. Training, in-house tech like IQPilot and IQI Atlas, and mentorship, so you build a stable career instead of navigating rules alone. Agents from all walks have built serious careers this way, from a banker who now leads 1,000+ agents to a hawker who crossed RM10 million in sales. Exploring a flexible career in real estate? IQI gives new and experienced agents training, technology, and a global support network to grow with more confidence. Learn About Joining IQI The Numbers Behind SKBBK, and How Agents Compare The scale of SKBBK is huge. Human Resources Minister Datuk Seri R. Ramanan said more than 9 million contributors under Act 4 are now covered under LINDUNG 24 JAM, with automatic enrolment for existing formal workers (The Star, 1 June 2026). The gap it targets is real. Only about 42% of Malaysian workers held any personal accident insurance before this, so most had no cover when accidents happened outside work (DataOn, 2026). For a mobile career like real estate, that risk can be even higher. Agents are constantly travelling, meeting clients and attending viewings, often beyond normal office hours. The lesson is simple: do not assume you are covered. Check your status and make sure you have the right protection in place. PointIndependent REN (self-employed)IQI-supported agentSKBBK coverageNot automatic, must self-arrangeGuided on status and optionsKnowing your gapOften unaware until it is too lateClear guidance up frontSupport systemPersonal network onlyTeam leaders and admin supportProtection planningSolo researchPointed to the right optionsCareer stabilityNavigates rules aloneBacked by brand, network, resources Local expert insight The agents who thrive through changes like SKBBK are the ones who do not face them alone. A lot of independent negotiators assume they are covered because they hear that everyone is covered now. If you are self-employed, that is simply not true. Knowing exactly where you stand on protection is part of running your business like a professional, not a hobby. IQI property consultant For anyone considering real estate as a career, SKBBK also highlights a bigger lesson: this industry rewards independence, but independence should not mean doing everything alone. A strong agency gives agents more than listings. It gives them structure, guidance, technology, training and people who can help them understand the practical side of building a long-term career. FAQs Does SKBBK 2026 cover real estate agents? It depends on employment status. Agents employed under a formal Act 4 contract with SOCSO deducted are covered. Independent, commission-only RENs classified as self-employed are not automatically covered, since SKBBK excludes self-employed persons. What does SKBBK protect against? LINDUNG 24 JAM covers non-work-related accidents within Malaysia, at home, during personal travel, or in recreation. Benefits may include medical treatment, disablement support, and rehabilitation, subject to PERKESO's assessment. How much is the SKBBK deduction? It is 0.75% of monthly wages in Phase 1, capped at a RM6,000 wage ceiling, so up to RM45 a month, and it is fully borne by the employee. Do employers pay towards SKBBK? No. The contribution is entirely employee-borne. Employers only deduct and remit it alongside normal SOCSO payments. I am a self-employed agent, what should I do? Since SKBBK will not cover you automatically, consider voluntary self-employed SOCSO coverage under Act 789 or a private personal-accident policy. A supportive agency can help you understand your options. When did SKBBK take effect? On 1 June 2026, with a six-month grace period during which PERKESO may waive penalties specifically for SKBBK non-compliance, though contributions remain due. Ready to build a real estate career that has your back? Real estate is one of the few careers in Malaysia with no salary ceiling. IQI agents earn uncapped commission, get paid in just 5 days, and get full training and mentorship to close their first deal, without navigating changes like SKBBK alone. [custom_blog_recruit_form] Continue Reading: How to Become a Real Estate Agent in Malaysia How Much Do Property Agents Really Earn in Malaysia? Become a Property Agent in Just 5 Steps Real Estate Agent Commission Structure in Malaysia Top 6 Questions About a Real Estate Negotiator's Salary Sources PERKESO. Skim Kemalangan Bukan Bencana Kerja (LINDUNG 24 JAM). https://www.perkeso.gov.my/en/skim-kemalangan-bukan-bencana-kerja-lindung-24-jam.html Employees' Social Security (Amendment) Act 2026 (Act A1788) — Royal Assent 23 February 2026, gazetted 5 March 2026. HavaHR. (1 June 2026). SOCSO 2026 Policy Update: Lindung 24 Jam (SKBBK) Employer Guide. https://www.havahr.com/blog/socso-2026-policy-update-lindung-24-jam Bispoint Group. (2026). SOCSO Lindung 24 Jam (SKBBK) Employee Guide 2026. https://bispointgroup.com/blogs/socso-lindung-24-jam-skbbk-employee-guide-2026 CentralHR. (13 May 2026). PERKESO SKBBK / "LINDUNG 24 JAM" — What Employers and Employees Need to Know. https://www.centralhr.my/perkeso-skbbk-lindung-24-jam-what-employers-and-employees-need-to-know-2026/ Pandahrms. (4 June 2026). SOCSO Contribution Table 2026: New Lindung 24 Jam (SKBBK) Rates Effective 1 June 2026. https://pandahrms.com/socso-contribution-table-2026-new-lindung-24-jam-skbbk-rates-effective-1-june-2026/ DataOn / SunFish Malaysia. (26 May 2026). LINDUNG 24 JAM (SKBBK) by SOCSO: What Employees and Employers Need to Know. https://dataon.com/en-my/blog/lindung-24-jam-skbbk-socso/ AJobThing. (2026). SOCSO "Lindung 24 Jam": New Employee Contribution Scheme Effective 1 June 2026. https://www.ajobthing.com/resources/blog/socso-lindung-24-jam-new-employee-contribution-scheme-effective-1-june-2026 Financio. (2026). Release Note v2.11.8 — SOCSO Compliance Update Effective 1 June 2026. https://support.financio.co/hc/en-us/articles/57866086491929-Release-Note-version-2-11-8 Ravi, D. T. (2026, June 1). Enhanced PERKESO protection kicks in, eligible workers automatically enrolled. The Star. https://www.thestar.com.my/news/nation/2026/06/01/enhanced-perkeso-protection-kicks-in-eligible-workers-automatically-enrolled
You earn a steady salary. You can handle the monthly loan payments. But one wall stands in your way: the down payment. For most first homes, the bank asks you to pay 10% of the price in cash, upfront. On a RM400,000 house, that is RM40,000. Add legal fees and other costs, and you may need RM50,000 or more before you even hold the keys. Saving that much cash, while you pay rent and face rising prices, can feel impossible. This is the number one reason many Malaysians who can afford a home still cannot buy one. Here is the good news. There is now a government-backed way to buy your first home with almost zero cash upfront. It is called the First Home Mortgage Guarantee Programme, or First Home MGP for short. This guide explains how it works, in plain language. TL;DR First Home MGP helps eligible B40 and M40 buyers get up to 110% home financing, so you can buy with little or no down payment It is run by Cagamas SRP Berhad, a government-linked company, and it charges you no fee The 110% covers the full house price (for homes up to RM1 million), plus the extra costs like legal fees and insurance (for homes under RM500,000) Your household income must be within the limit (up to RM15,000 a month), and it must be your first home The bank still checks that you can afford the monthly payments. This is easier access to a loan, not free money A Comprehensive Guide On Buying Your First Home with Zero DepositTL;DRFirst, a Quick Word GuideWhat Is the First Home MGP?The "110% Financing" MagicAre You Eligible? The Simple ChecklistWhat Homes Can You Buy?Bonus: You Could Win RM5,000 Right Now [Limited time]3 Pro-Tips to Save Even MoreHow to Apply, Step by StepFrequently Asked QuestionsYour First Home Is Closer Than You Think First, a Quick Word Guide This topic comes with a few big words. Here is what they mean, in simple terms. Keep this handy as you read. B40 and M40: income groups. B40 is the bottom 40% of earners, M40 is the middle 40%. Together, most Malaysian families. Down payment: the cash you pay upfront when you buy a home, usually 10% of the price. The bank lends you the rest. Financing (or loan margin): how much the bank lends you compared to the price. "110% financing" means the bank lends you the full price and a bit more for costs. Guarantor: someone who promises the bank, "if this person cannot pay, I will help cover the loss." A bit like a parent backing a child's rental. DSR (Debt Service Ratio): how much of your monthly income already goes to paying debts. Banks check this to see if you can afford a new loan. Stamp duty: a government tax you pay on legal documents when you buy property. Sub-sale: a home someone already owns and is reselling. Not brand new from a developer. What Is the First Home MGP? Here is the most important thing to understand. First Home MGP is a guarantee, not a loan. Cagamas does not give you the money. Your bank still gives you the home loan, just like normal. What Cagamas does is act as your guarantor. Remember the word guide: a guarantor promises the bank that if you cannot pay, they will help cover part of the loss. So Cagamas stands behind you. Why does this matter? Because when a bank sees less risk, it is willing to lend you the full price of the house, without asking for a big down payment first. The guarantee is what unlocks the door. And the best part: Cagamas does not charge you any fee for this guarantee. It costs you nothing to be covered. One honest point to knowEven though Cagamas backs the loan, you are still fully responsible for paying back the whole amount. The guarantee protects the bank, not your monthly duty. So borrow only what you can comfortably repay. The "110% Financing" Magic This is where zero down payment becomes real. Under First Home MGP, the bank can lend you up to 110% of your home's price. Here is how that splits. 100% for the house You can borrow the full purchase price of the property. That already removes the 10% down payment wall. An extra 10% for your costs If your home costs below RM500,000, you can borrow an extra 10% on top. This extra amount covers your Financing Entry Costs, or FEC. These are the fees you must pay to complete a purchase, such as: Legal fees for the loan documents Valuation fees (the bank checking the home's worth) Mortgage insurance (MRTA or MRTT). This is insurance that pays off your loan if you pass away or become permanently disabled, so your family is not left with the debt. The result You can move into your new home with almost no cash upfront. The house is financed, and your entry costs are financed too. For homes priced RM500,000 up to RM1 million, the bank can still lend you 100% of the price. You would then cover your own entry costs. Either way, the big down payment barrier is gone. Are You Eligible? The Simple Checklist First Home MGP is built for everyday Malaysians. Here is who qualifies. You are a Malaysian citizen. It is your first home. (There is one exception: buyers of PR1MA homes may qualify for a second home, but only if their first loan has been active for at least 5 years.) Your household income is up to RM15,000 a month. This is the cap for the B40 and M40 groups. You are salaried or self-employed. Both are welcome. You can also apply jointly with your spouse, as long as you are both first-time buyers. Good to know: each bank can set its own income rules under the scheme. Some may use a lower limit, for example RM5,000 for a single applicant or RM10,000 for a joint application. Always confirm the exact limit with the bank you choos See how much you might borrow Before you shop, it helps to know your rough loan size. This free calculator gives you an estimate based on your income. This is an estimate only. The final amount depends on the bank's own checks and your full financial record. What Homes Can You Buy? The scheme has a few simple rules on the property itself. Price cap: up to RM1 million for 100% financing, or up to RM500,000 for the full 110% financing. For your own stay only. This is meant for a home you will live in, not a home you plan to rent out. New or sub-sale, both are fine. You can buy a new project from a developer (primary market) or a home someone already owns (sub-sale, or secondary market). Conventional or Islamic. There is a conventional version (First Home MGP) and an Islamic version (First Home MGP-i) that follows Shariah principles. Not sure what your budget can buy? Read our guide to how much home loan you can get for your salary. Bonus: You Could Win RM5,000 Right Now [Limited time] Here is a reason to act sooner rather than later. Cagamas is running a First Home Campaign from 8 June to 31 August 2026. Forty winners will each receive RM5,000 cash. To join, you simply need to: Take a home loan with a Cagamas SRP guarantee (First Home MGP or the Islamic First Home MGP-i) through a participating bank Buy a completed home valued at RM400,000 or more Accept and sign your Letter of Offer within the campaign period The cash is a bonus gift, and it is not linked to whether your loan is approved. Because campaign details can change, check the latest terms on the Cagamas SRP website before you rely on it. 3 Pro-Tips to Save Even More 1. Stack your benefits with the stamp duty exemption Remember, stamp duty is the government tax on your legal documents when you buy a home. Right now, first-time buyers of homes priced up to RM500,000 get a 100% stamp duty exemption on two documents: the transfer document (called the MOT, or Memorandum of Transfer, which is the paper that puts the house in your name) and the loan agreement. This exemption runs until 31 December 2027. When you combine it with First Home MGP, your upfront cost can drop to almost nothing. That is the dream combination for a first-time buyer. 2. Watch your DSR Even with the MGP guarantee, the bank will still check your Debt Service Ratio. As a reminder, DSR is how much of your monthly income already goes to paying debts, like a car loan, PTPTN, or credit cards. If too much of your income is already committed, the bank may say no, because it needs to be sure you can afford the home loan on top. As a rough guide, banks like to keep your total debt payments within about 60% of your income. Check yours before you apply. This is an estimate only. Your bank makes the final decision based on its own rules. 3. MGP vs SJKP: pick the right one for you If you are a gig worker or self-employed without regular payslips, another scheme called SJKP may suit you better. SJKP (Syarikat Jaminan Kredit Perumahan) is a similar government guarantee. It also offers up to 100% financing, and it judges you mainly on your DSR and income record, rather than fixed payslips. Here is a simple comparison of the main zero or low down payment options. SchemeBest forMax home priceDown paymentMain benefitFirst Home MGPB40 and M40 first-time buyersRM1,000,0000%Up to 110% financingSJKPSalaried, gig, and informal workersRM500,0000%Up to 100% financing, judged on DSRPR1MAMiddle-income buyersRM400,000Project depositHomes sold below market price Want the full list of help available? See our guide to first home loan schemes in Malaysia and the government housing schemes for B40 and M40. How to Apply, Step by Step Good news: applying is simpler than most people expect. You do not apply to Cagamas. You apply for a normal home loan at a bank, and ask for the First Home MGP guarantee. The bank arranges the guarantee for you automatically. Here is the simple path: Check your numbers. Confirm your income fits the limit, and check your DSR using the calculator above. Get your documents ready. Usually your IC, payslips or proof of income, and recent bank statements. Apply at a participating bank and tell them you want the First Home MGP. Banks that take part include Maybank, CIMB, Public Bank, RHB, BSN, and Bank Muamalat, among others. The bank does the rest. It processes your loan and the MGP guarantee together. New to the whole process? Follow our step-by-step guide to buying a house in Malaysia, and learn about the hidden fees first-time buyers often miss. Frequently Asked Questions Can I really buy a house with no down payment in Malaysia? Yes, if you qualify. The First Home MGP lets eligible B40 and M40 first-time buyers get up to 110% financing, which can cover the full price and your entry costs. You still need to afford the monthly repayments. What is the income limit for First Home MGP? The scheme targets households earning up to RM15,000 a month. Some banks apply their own limits, such as RM5,000 for a single applicant or RM10,000 for a joint application, so confirm with your chosen bank. Does First Home MGP cost anything? Cagamas does not charge you a fee for the guarantee. You still pay your normal home loan costs, such as interest, legal fees, and insurance, though the 110% option can help finance some of these for homes under RM500,000. What is the difference between MGP and SJKP? Both are government guarantees that reduce or remove the down payment. First Home MGP allows up to 110% financing for homes up to RM1 million. SJKP offers up to 100% financing for homes up to RM500,000 and is often a better fit for gig or self-employed workers, since it judges you mainly on your DSR. Can self-employed or gig workers apply? Yes. First Home MGP is open to both salaried and self-employed applicants. If you do not have regular payslips, SJKP may be easier, as it focuses on your DSR and income record. Can I use First Home MGP for a sub-sale (secondhand) home? Yes. The scheme covers both new projects from developers and sub-sale homes bought from a previous owner, as long as the home is for your own stay and within the price cap. Which banks offer First Home MGP? Participating banks include Maybank, CIMB, Public Bank, RHB, BSN, and Bank Muamalat, among others. You apply for a home loan at the bank and ask for the First Home MGP guarantee. Your First Home Is Closer Than You Think For years, the down payment felt like a wall with no door. Now there is a door. With the First Home MGP, the stamp duty exemption, and schemes like SJKP, buying your first home is genuinely within reach for B40 and M40 Malaysians. The best next step is to talk to someone who does this every day, someone who can match you to a home you can afford and walk you through the paperwork. Ready to find a home you can actually afford? An IQI agent can help you check which scheme fits you, find homes within your budget, and guide you from loan to keys. Friendly help, no pressure. Talk to a local IQI agent and start your journey today. [custom_blog_form] Or start browsing now: homes for sale and new launches. This article is for general information only and reflects IQI's own views. It is not financial, legal, or tax advice. Scheme rules, income limits, and campaign details were accurate to the best of our knowledge at the time of writing (July 2026) and can change. Please confirm the latest terms with Cagamas SRP, your bank, or a licensed adviser before making any decision. Continue reading: Top 7 Most Expensive Celebrity Houses in the World (That Will Make Your Jaw Drop) The Beginner’s Guide to Property Investment in Malaysia Ringgit Strong in 2026: Why Cost of Living and Property Still Feel Expensive in Malaysia 7 Reasons Why You Should Study in Dubai! What is Debt-To-Service Ratio (DSR) in Malaysia & How It Affects Your Home Loan Sources: Cagamas SRP: csrp.cagamas.com.my Housing Australia: www.housingaustralia.gov.au SJKP Malaysia: www.sjkp.com.my PR1MA Malaysia: www.pr1ma.my Residensi Wilayah: residensiwilayah.jwp.gov.my EPF Housing Withdrawal: www.kwsp.gov.my/en/w/article/epf-housing-withdrawal Public Bank Gateway: apply.pbebank.com/homeloan Hunter Galloway Assessment: www.huntergalloway.com.au/contact/
“According to Bank Negara Malaysia, the benchmark price for an affordable home in Malaysia is around RM282,000 based on average household income.” Amelia is 30, works in store manager in Kota Damansara, and has been renting for years.With living costs rising and property prices creeping up, she keeps asking the same question as many Malaysians: Is there any realistic way I can own a home without drowning in debt? The good news is, yes, but only if you know how to use the right government schemes and financing programmes that are still active and relevant in 2026. This guide puts everything in one place, in simple language, so you do not have to open 10 different websites. 2026 snapshot – what has changed? Compared to 2024 and 2025, a few big things have shifted: New focus on affordable units under RM300k – RM400k through Program Residensi Rakyat (PRR), PPR and Rumah Mesra Rakyat (RMR), with hundreds of new projects funded under Budget 2025 and Budget 2026. Stronger financing support for buyers without payslips through Skim Jaminan Kredit Perumahan (SJKP) and the i-Biaya umbrella, especially for gig workers, self employed and B40 M40 families. Stamp duty waivers for first home buyers are extended until 2027, which reduces upfront cost for homes up to RM1 million. Under the 13th Malaysia Plan (2026 to 2035), the government targets one million affordable homes, with hundreds of thousands already completed or under construction by 2025. In short, there is more help than ever, but the schemes are confusing. So let us break them down properly. How to use this guide This list focuses on nationwide programmes plus a few important state or city schemes that most buyers actually ask about. Quick overview: ProgrammeBest forTypical price range*PR1MA Homes & RTOM40, some B40, own stay± RM100k – RM400k (iMoney)Residensi Wilayah & Residensi MADANIKL & Federal Territories residents± RM63k – RM300k+ (residensiwilayah.jwp.gov.my)PPR & PRRB40 renters who want low cost homes± RM30k – RM42k sale, RM124 rent (kpkt.gov.my)Rumah Mesra Rakyat (RMR SPNB)Lower income with own landFrom ± RM75k after subsidy (spnb.com.my)Skim Rumah Pertamaku (SRP)First home buyers needing up to 100–110% financingHomes up to RM500k (PropertyGuru Malaysia)Skim Jaminan Kredit Perumahan (SJKP)Buyers without payslips or fixed incomeHomes up to RM500k (PEPS Ventures Learning Resources)BSN MyHome / MyHome i (linked to SJKP)BSN customers who want 100% type financingRM100k – RM500k typical (BSN Malaysia)Rumah SelangorkuSelangor residents± RM42k – RM250k (iMoney)E-Perumahan DBKLLow to medium income families in KLLow and medium low cost units (IQI Global)PPAM (Perumahan Penjawat Awam Malaysia)Government servants nationwide± RM90k – RM300k (iMoney) *Price ranges are indicative and can vary by location and project. Always confirm on the official portal or with the bank before you decide. All About Affordable Housing Programmes in Malaysia2026 snapshot – what has changed?How to use this guide1. PR1MA Homes and PR1MA Rent-To-Own (RTO)2. Residensi Wilayah & Residensi MADANI (Federal Territories)3. Program Perumahan Rakyat (PPR) & Program Residensi Rakyat (PRR)4. Rumah Mesra Rakyat (RMR) by SPNB5. Skim Rumah Pertamaku (SRP) under i-Biaya6. Skim Jaminan Kredit Perumahan (SJKP)7. BSN MyHome and MyHome-i (linked to SJKP)8. Rumah Selangorku (State Affordable Housing)9. E-Perumahan DBKL (Public Housing under DBKL)10. Perumahan Penjawat Awam Malaysia (PPAM)Other schemes and incentives you should not ignoreWhere to Find Affordable Housing in MalaysiaSo which scheme should you apply for?Final check before you applyFAQ: Affordable Housing Programmes in Malaysia 1. PR1MA Homes and PR1MA Rent-To-Own (RTO) What it offers PR1MA is one of the best known federal affordable housing programmes. It provides apartments and landed homes at below market price, mainly for middle income Malaysians (M40) with some coverage for upper B40. In recent years PR1MA also focuses on Rent-To-Own (RTO) in collaboration with i-Biaya, where you rent first, then buy later at a pre agreed price after a fixed period. Who is it for Malaysian citizen, age 21 and above Single or married Individual or combined household income roughly RM2,500 to RM15,000 First or second home only Property type and price Apartments and landed homes, often in growing townships Commonly RM100k to RM400k, sometimes slightly higher for larger units in good locations Why buyers like it Prices lower than similar private projects nearby Some projects near public transport and mature townships Ability to combine with SJKP or SRP financing under i-Biaya for higher margin of finance Things to watch out for 10 year moratorium on sub sale in many projects, so it really suits own stay buyers, not short term flippers Popular projects can be oversubscribed, balloting is competitive Where to check Official PR1MA portal for latest projects, pricing and campaigns 2. Residensi Wilayah & Residensi MADANI (Federal Territories) Previously known as RUMAWIP, this programme has been rebranded as Residensi Wilayah and complemented by Residensi MADANI. Both focus on Federal Territories (Kuala Lumpur, Putrajaya and Labuan). What it offers Stratified apartments, usually with 3 bedrooms and 2 bathrooms Built ups around 800 square feet and above Units are priced below market, targeted at residents and workers in Federal Territories Who is it for General Residensi Wilayah criteria: Malaysian citizen Age 21 and above Born, living or working in Federal Territories Household income not more than RM10,000 (single) or RM15,000 (married) Usually must not own more than one property in KL Residensi MADANI targets similar income groups but may have slightly different income limits and age floor at 18 years, check the official site for each project. Property price Older RUMAWIP units used to start from around RM63k, up to RM300k Newer Residensi Wilayah projects in prime areas can be higher but still below surrounding market price Pros Good for own stay buyers who work in KL, but cannot afford normal condo prices Locations often close to LRT MRT or established neighbourhoods Cons Usually must be owner occupied, renting out is restricted for a number of years Strong competition for popular projects, you may need to try several rounds 3. Program Perumahan Rakyat (PPR) & Program Residensi Rakyat (PRR) These are the core low cost programmes under KPKT for B40 families. What they offer PPR has two main formats: PPR Disewa – rent a flat at a highly subsidised rate PPR Dimiliki – buy the unit at a controlled low price PRR is a newer programme that upgrades the concept with better design and facilities while keeping prices low Typical features of PPR units: Around 700 sq ft, 3 bedrooms, 2 bathrooms, living and kitchen Flats usually 5 to 25 storeys in urban areas, or landed terraces in some semi urban locations Price and rental PPR sale units often around RM30k – RM42k depending on region PPR rental around RM124 per month (excluding maintenance) Who is it for B40 households in squatter areas or overcrowded housing Low income families usually earning below RM1,500 – RM2,500 monthly, criteria differ by state and project Pros One of the cheapest paths to home ownership in Malaysia Ideal for families who simply want a safe, basic home Cons Strict eligibility and priority selection Locations can be far from your workplace or less connected Facilities and maintenance standards can vary 4. Rumah Mesra Rakyat (RMR) by SPNB RMR is ideal for families who have land but no proper house, especially in semi urban or rural areas. What it offers A single storey detached house (typically 3 rooms, 2 bathrooms) built on your own or family land SPNB manages the design and construction Government subsidises part of the construction cost, reducing your loan amount Who is it for Typical criteria: Malaysian citizen, usually 18 years and above Household income around RM750 to RM5,000 Do not own a house, or current house is dilapidated Own suitable land, free from heavy encumbrances Land size commonly 3,000 sq ft or more Price House cost roughly from RM75,000 upward, with government subsidy around RM20,000 in many batches You repay the balance through long term instalments Pros Lets rural and small town families upgrade from wooden or unsafe homes into proper brick houses Monthly instalments usually comparable to renting a basic house Cons You must already have land or access to land Approval depends on budget allocations and yearly quotas 5. Skim Rumah Pertamaku (SRP) under i-Biaya SRP, also called My First Home Scheme, is a financing programme that helps first time buyers get up to 100 percent or 110 percent financing, so you do not need a big 10 percent deposit. What it offers Up to 100 – 110 percent home loan from participating banks Can cover property price plus entry costs like legal fees and insurance, subject to bank policy Works with both completed and under construction homes, including some affordable housing projects Who is it for General criteria: Malaysian citizen First home buyer Salaried or self employed Individual or joint application Combined gross monthly income generally up to RM5,000 (individual) or RM10,000 (joint) Property price usually up to RM500,000 Pros Main benefit is no need for 10 percent downpayment Good for young families with stable income but low savings Cons Higher loan amount means higher monthly instalment and interest over time You still need to pass the bank’s credit scoring and debt service ratio 6. Skim Jaminan Kredit Perumahan (SJKP) SJKP is a government guarantee scheme that makes it easier for people without regular payslips to get a home loan, for example gig workers, small business owners and self employed. What it offers A government guarantee that covers part of your housing loan Financing up to RM500,000 with tenure up to 35 years, sometimes with two generation loans allowed Supports several banks and Islamic financial institutions Who is it for From MOF and SJKP guidelines: Malaysian citizen, 18 years and above First residential home to live in, new or subsale or auction For both fixed income and non fixed income earners (including self employed, gig work, small business) Main applicant income ceiling typically around RM11,000 per month No serious negative CCRIS or CTOS record Pros One of the most important schemes in 2026 for Malaysians who cannot show formal payslips Can be combined with PR1MA units or other affordable projects Cons Not automatic approval, the bank still checks your cash flow and commitments Some banks may ask for extra documents, such as bank statements or business proofs 7. BSN MyHome and MyHome-i (linked to SJKP) Bank Simpanan Nasional (BSN) offers several MyHome and MyHome-i packages, some of which are linked to SJKP and target first time or lower income buyers, including those under Program Perumahan Rakyat. What they offer BSN MyHome (Hartanah Kediaman) and MyHome-i (Islamic) for residential properties Financing margin up to about 95 – 100 percent plus possible coverage for MRTA MRTT and legal fees, subject to package Special versions for PPR buyers and SJKP MADANI linked financing for irregular income earners Who is it for Malaysian citizen, age 21 and above, not exceeding 70 at end of tenure Regular or irregular income earners, depending on scheme Some packages are specific for first home, others allow refinancing Pros BSN is one of the main partner banks for government housing schemes You can sometimes get up to 100 percent style financing plus support from SJKP or SRP Cons Terms differ by package, you really need to speak to BSN or an agent who understands the details Youth only schemes have changed over the years, so do not rely on outdated info from 2016–2020 articles 8. Rumah Selangorku (State Affordable Housing) If you work or live in Selangor, Rumah Selangorku is still one of the most important state programmes. What it offers Several categories of low and medium cost apartments and houses Different unit types and sizes, usually priced between RM42,000 and RM250,000 for eligible categories Who is it for Common criteria: Malaysian citizens who are residents or workers in Selangor Household income typically RM3,000 – RM10,000, depending on house category Must not already own property in Selangor Selection often based on a merit system, and cancellations can get you blacklisted for a period Pros Very attractive for young families working in Klang Valley but priced out of normal market projects Many projects are in growing townships Cons Restrictions on resale and renting out for the first few years Application can be competitive and waiting time may be long 9. E-Perumahan DBKL (Public Housing under DBKL) E-Perumahan DBKL covers public housing managed by Kuala Lumpur City Hall, including both rental and ownership options for low and medium low income households in KL. What it offers Public housing flats with 1 to 3 bedroom layouts Rental units for very low income families Options to purchase selected units later at controlled prices Some medium low cost projects in areas like Gombak 2, Seri Tioman and others Who is it for From DBKL information: Malaysian citizens who live or work in Kuala Lumpur Priority for low income married couples For low cost homes, household income ceiling often around RM3,000 For medium low cost homes, income ceiling around RM4,000 Pros Good stepping stone if you want to stay within city limits but cannot afford private housing Option to convert from tenant to owner in some projects Cons Unit sizes are basic, usually smaller than many newer condos Supply is limited compared to demand, and location choices may not suit everyone 10. Perumahan Penjawat Awam Malaysia (PPAM) If you are a civil servant, PPAM is a key affordable housing option that many people still overlook. What it offers Apartments or landed homes at below market prices, often with decent sizes and facilities Prices typically around RM90,000 to RM300,000 depending on project and location Who is it for Malaysian citizens who are federal or state civil servants, local authority staff or employees of statutory bodies Monthly income usually below RM10,000, with some flexibility depending on project Pros Tailored for government staff who want to own a home near their posting Usually more comfortable than typical low cost housing Cons Only for civil servants, not the general public Project locations may be limited, depending on where you are posted Other schemes and incentives you should not ignore Even if you do not qualify for the schemes above, 2025 and 2026 still offer strong support for first time buyers: Stamp duty exemptions (i-Miliki and related incentives) 100 percent exemption on MOT and loan agreements for first homes up to RM500,000 75 percent exemption for homes RM500,001 to RM1 million Extended until end 2027 under Budget 2026 Personal income tax relief on housing loan interest Relief up to RM7,000 per year for homes priced RM500,000 and below, RM5,000 for homes between RM500,001 and RM750,000, from YA 2025 to 2027 State affordable housing Many states, such as Johor, Penang and Perak, run their own Rumah Mampu Milik programmes with specific rules on residency and income. Where to Find Affordable Housing in Malaysia Knowing the right programme is only the first step you also need to know where to search and apply. Start with the official TEDUH portal by KPKT, which serves as a central platform to browse housing projects by location, type and price, along with project status and application guidelines. For federal affordable homes, visit the PR1MA portal, which lists available projects and eligibility details for Malaysians aged 21 and above with incomes typically between RM2,500 and RM15,000. If you are looking in Kuala Lumpur, Putrajaya or Labuan, the Residensi Wilayah portal provides information on active projects, pricing, unit sizes and application access. Low-income households seeking PPR units can refer to the TEDUH portal and KPKT channels. PPR remains one of the most affordable options, with rentals from RM124 per month and ownership units generally priced between RM35,000 and RM42,000. If you own land but cannot afford to build, consider Rumah Mesra Rakyat (RMR) under SPNB, which supports lower-income households in constructing homes on their own land. For Selangor residents, the Rumah Selangorku portal under LPHS is the main platform for applications, project listings and status tracking. In Kuala Lumpur, e-Perumahan DBKL manages applications for public housing, including PA and PPR rental units. Civil servants can apply through the PPAM portal, which is specifically designed for public-sector housing. For financing support, check SJKP and First Home MGP via participating banks. These schemes help eligible buyers, including first-time and self-employed applicants, secure higher-margin financing. Before applying, always confirm that the portal is official, the project is still open, and your eligibility matches the latest requirements. So which scheme should you apply for? If you think like a normal Malaysian buyer in 2026, these are the usual paths: Fresh grad or young couple in Klang Valley, no savings for depositLook at PR1MA, Residensi Wilayah, and SRP or SJKP financing. Gig worker or business owner without payslipFocus on SJKP-backed loans and banks like BSN MyHome-i (SJKP MADANI). Family with own kampung land but old wooden houseConsider Rumah Mesra Rakyat (RMR) by SPNB. Civil servantShortlist PPAM first, then combine with SRP or SJKP if needed. Very low income family renting in cityPPR Disewa or PPR Dimiliki are still the main starting points. Final check before you apply Before you submit any application in 2026, do two things: Confirm the latest criteria on the official portalRules like income ceiling, age limit and property price cap can change slightly every year or every budget cycle. Talk to a professional real estate negotiator or mortgage advisorMany buyers actually qualify for more than one scheme. Choosing the right combination of property type, location and financing is what really determines whether you can hold the property comfortably for 10 to 20 years. If you want someone to help you compare these programmes based on your income, debts and target area, you can always speak to an IQI agent. They can: Check your loan eligibility with different banks Match you with PR1MA, Residensi Wilayah, PPAM or private projects that fit your budget Guide you step by step from booking until key collection Owning a home in Malaysia is still possible in 2026. The key is not to chase every scheme, but to pick one or two programmes that truly match your income, lifestyle and long term plan. FAQ: Affordable Housing Programmes in Malaysia What is affordable housing in Malaysia? Affordable housing in Malaysia refers to homes priced below normal market prices and designed for eligible Malaysians, especially first-time buyers, B40 households, M40 households, civil servants and lower-income families.These homes are usually offered through federal, state or agency-led programmes such as PR1MA, PPR, Rumah Selangorku, Residensi Wilayah, PPAM and Rumah Mesra Rakyat. Who can apply for affordable housing in Malaysia? Eligibility depends on the programme. In general, applicants must be Malaysian citizens, meet the minimum age requirement, fall within the income limit, and not already own a home or not own more than the allowed number of properties.Some schemes are for first-time buyers, while others are designed for specific groups such as low-income households, Selangor residents or civil servants. Where can I apply for affordable housing in Malaysia? You can apply through official government or agency portals such as TEDUH, PR1MA, Residensi Wilayah, Rumah Selangorku, e-Perumahan DBKL, PPAM and SPNB.Before submitting any application, make sure the portal is official, the project is still open, and the eligibility requirements match your income, location and home ownership status. What is the best affordable housing programme for first-time buyers? For first-time buyers, PR1MA, Residensi Wilayah, Rumah Selangorku and selected state affordable housing schemes are usually good starting points.If the main challenge is financing rather than finding a house, buyers can also check SJKP or First Home MGP through participating banks. Can I choose any location when applying for affordable housing? Not always. Some programmes may require applicants to live, work or have a connection to the state or area where the housing project is located.For example, state-based programmes such as Rumah Selangorku usually prioritise eligible applicants who meet the state’s specific requirements. Why was my affordable housing application rejected? Common reasons include not meeting the income requirement, already owning a property, incomplete documents, applying for the wrong scheme, poor credit profile, or the project being fully subscribed.If your application is rejected, review the eligibility criteria carefully and check whether another programme is more suitable for your income level and location. Too many to choose from in finding the home of your dreams? Seek us out to assist you in the perfect affordable housing meant just for you. Our professional team will help you make the right choice, so leave your details below, and we will contact you soon! [custom_blog_form] Continue reading: PPR & PPRT Malaysia 2026: Affordable Housing That Builds Hope and Dignity 4 Essential Agent Fees When Selling a House in Malaysia 2026 The Beginner’s Guide to Property Investment in Malaysia
TL;DRBuying a house in Malaysia without a down payment is entirely possible for eligible buyers through initiatives like the Skim Jaminan Kredit Perumahan (SJKP), PR1MA financing, Maybank HouzKEY, rent-to-own schemes, or specific developer packages. However, securing a 100% home loan doesn't mean "zero cost"; buyers must still budget for upfront expenses such as booking fees, legal fees, stamp duty, valuation charges, and MRTA/MRTT insurance. First-time buyers have the highest chance of approval by maintaining a healthy debt service ratio (DSR), a clean CCRIS and CTOS credit record, and ensuring the property aligns with the chosen scheme's guidelines. Saving for a house deposit can feel like fighting the final boss before the game even starts. One minute you are browsing nice kitchens, the next you see the 10% down payment and quietly close the tab. The good news is that buying with little or no upfront deposit is possible in Malaysia, but only if you choose the right scheme and understand the costs hidden behind the term “full loan”. Key Takeaways No-down-payment housing in Malaysia is real, but it usually applies only to selected schemes, specific properties, and buyers who pass bank approval. SJKP Malaysia can help first-time Malaysian home buyers, including those with fixed or non-fixed incomes, the self-employed, and gig workers, access home financing with government-backed support. A fully financed house in Malaysia still comes with costs such as SPA legal fees, loan agreement fees, stamp duty, valuation fees, MRTA/MRTT, fire insurance or takaful, and monthly installments. Rent-to-own in Malaysia can help buyers who cannot yet qualify for a mortgage, but it may cost more than a standard housing loan if they already qualify. Home loan eligibility depends heavily on repayment ability, debt service ratio, CCRIS report, CTOS score, income documents, and the property’s value. House Without Down Payment is not What You Think!1. Can I Buy a House in Malaysia Without a Down Payment?2. How Much Down Payment Is Normally Needed to Buy a House in Malaysia?3. What Is SJKP Malaysia and How Does It Help First-Time Buyers?4. Which Other Ways Can Help You Buy a House With No or Low Deposit?5. How Do Banks Decide Whether to Approve a 100% Home Loan?6. Is Buying a Zero Down Payment House in Malaysia Safe?7. What Is the Best Way to Buy Your First House in Malaysia With Low Savings?8. Frequently Asked Questions (FAQs) Estimated reading time: 18 minutes 1. Can I Buy a House in Malaysia Without a Down Payment? The practical answer is: some buyers can, but not with every property or every bank. The main routes are SJKP, SJKP MADANI, PR1MA-related financing, Maybank HouzKEY, rent-to-own, and selected developer packages. a. What does “no down payment” actually mean? In a typical purchase, the buyer usually makes a down payment of at least 10% of the property's price. If a house costs RM400,000, a buyer would usually need RM40,000 upfront, with the remaining 90% covered by a home loan. A 100% home loan in Malaysia means the bank may finance the full property price. In some schemes, financing can exceed 100% to cover selected related costs, but that does not mean all costs disappear. The terms loan margin, margin of finance, and loan-to-value ratio all refer to the same big idea: how much the bank is willing to lend relative to the property's value. A 90% loan-to-value ratio means the bank lends 90%, and the buyer prepares 10%; a 100% structure means the bank may finance the full property value, subject to approval. b. Who has the best chance of buying with little upfront cash? The strongest candidates for the first house under Malaysia's low-deposit routes are Malaysian first-time buyers who can demonstrate repayment capacity. SJKP may consider fixed- and non-fixed-income earners, including salaried workers, self-employed applicants, and gig workers, subject to bank assessment. For overseas readers, SJKP Malaysia is not a general scheme for foreign buyers. Foreigners cannot access SJKP, as it is for Malaysian citizens; however, foreign buyers may explore other property investment routes. IQI Global can help buyers to identify suitable new launches and subsale properties before they commit in Malaysia. Approach us for more information! Approach IQI Now! 2. How Much Down Payment Is Normally Needed to Buy a House in Malaysia? The standard house down payment in Malaysia is usually 10% of the purchase price. That is why a RM300,000 house often starts with a RM30,000 deposit discussion, and a RM500,000 house can quickly become a RM50,000 savings challenge before other costs are added. a. What is the difference between booking fee, deposit, and down payment? A booking fee or earnest deposit is normally the first part of the down payment. The earnest deposit is often 2% and is commonly paid when the buyer signs a Letter of Offer or Offer to Purchase. The remaining property deposit in Malaysia is usually paid when signing the Sales and Purchase Agreement. For example, if a buyer has paid a 2% earnest deposit, the remaining 8% is usually due at SPA signing to complete the 10% down payment. A buyer should never treat signing the Sales and Purchase Agreement as a mere formality. Payments should go through a reputable real estate agency or neutral third party, not directly to an individual. b. What upfront costs should buyers prepare besides the deposit? A first-home buyer should budget for more than just the deposit. Common costs include SPA legal fees, loan agreement legal fees, stamp duty, valuation fees, MRTA or MRTT, fire insurance or takaful, bank processing charges, disbursement fees, maintenance fees, and sinking fund for strata properties. For a full-loan route, legal fees and Malaysian property costs may still appear unless the scheme or developer package clearly covers them. SJKP and SJKP MADANI may include selected related expenses within their financing limits, but the exact coverage depends on the scheme and bank approval. Cost itemNormal 90% loan purchase100% or higher financing scenarioWhat buyers should check10% down paymentUsually paid by the buyerMay be covered under eligible schemesConfirm the exact margin of financeBooking fee or earnest depositOften paid upfrontMay still be required firstAsk if it is refundable or offsetSPA legal feeUsually paid by the buyerMay be covered by selected packagesCheck if the developer or financing covers itLoan agreement feeUsually paid by the buyerMay be financed in some schemesAsk the bank for a written breakdownStamp dutyUsually paid by the buyerMay be exempted or financed depending on the schemeConfirm current exemption and eligibilityValuation feeUsually paid by the buyerMay be financed under selected schemesRequired more often for completed or subsale homesMRTA/MRTTPaid upfront or financedMay be included in financingConfirm whether it increases the monthly installmentFire insurance/takafulUsually requiredStill usually requiredAsk whether it is billed separatelyMonthly instalmentStarts after the loan drawdown or the scheduleStill payable even without a depositCheck affordability and DSR The table reflects cost categories highlighted across buyer guides and bank scheme pages, including deposit, legal fees, stamp duty, valuation fee, mortgage protection, fire coverage, and monthly repayment obligations. 3. What Is SJKP Malaysia and How Does It Help First-Time Buyers? SJKP Malaysia is a government-backed housing credit guarantee scheme that helps eligible first-time homebuyers obtain home financing when they may struggle to meet standard bank requirements. It is especially useful for buyers with non-fixed income, irregular income, or limited traditional income documents. a. What is SJKP home loan eligibility in Malaysia? For SJKP home loan eligibility in Malaysia, Maybank states that applicants must be Malaysian citizens aged 18 and above, and all named parties to the SPA must be first-time home buyers. Maybank also states that all named SPA parties must have a maximum monthly income of RM11,000 per person. Alliance Bank lists SJKP eligibility as Malaysian citizens only, first-time home buyers only, individuals aged 18 years and above, salaried or self-employed workers, and gross monthly income not more than RM11,000. The bank loan approval still depends on repayment capacity, an acceptable CCRIS record, and the bank's assessment. In simple words, SJKP helps open the door, but the bank still checks whether the buyer can carry the monthly installment. b. How does the SJKP MADANI home loan 2026 work? SJKP Madani home loan is an enhanced version with different limits. Maybank states that SJKP MADANI offers financing up to 120% of the property value or RM360,000, whichever is lower, and may cover the principal financing amount, MRTA/MRTT, CLTA/CLTT, related expenses, and renovation or furnishing costs. By comparison, standard SJKP at Maybank provides financing up to 110% of the property value or RM500,000, whichever is lower. The additional 10% can cover related expenses such as mortgage protection, stamp duty, legal fees, and valuation fees. FeatureStandard home loanSJKPSJKP MADANITypical depositUsually 10%May require no down paymentMay require no down paymentFinancing marginCommonly up to 90%May go up to 110%May go up to 120%Property or financing capDepends on the bank and the propertyUp to RM500,000 financing or property cap stated by the bankUp to RM360,000 financing and a lower property cap stated by the bankBuyer typeBroad borrower groupFirst-time Malaysian home buyersTargeted first-time Malaysian home buyersIncome typeUsually, fixed income preferredFixed and non-fixed income acceptedFixed and non-fixed income acceptedRelated costsOften paid separatelySelected costs may be financedSelected costs and renovation/furnishing may be financedTenureVaries by bankUp to 35 years or age 70 at MaybankUp to 35 years or age 70 at Maybank This comparison is based on Maybank’s SJKP and SJKP MADANI details, Alliance Bank’s SJKP feature page, and general home loan explanations from RinggitPlus. c. Can gig workers buy a house without a payslip? Yes, gig workers can apply under SJKP if they meet the scheme and bank requirements. Workforce such as Gig workers, freelancers, independent contractors, small business owners, hawkers, traders, farmers, fishermen, and commission-based workers may benefit from SJKP. For applicants without payslips, home loan eligibility is proven through other documents. Maybank asks self-employed applicants for items such as tax forms, current account statements from the company or firm, commission statements, EPF statements, financial accounts, or bank statements, depending on the applicant's profile. 4. Which Other Ways Can Help You Buy a House With No or Low Deposit? Besides SJKP, buyers may consider PR1MA financing, Maybank HouzKEY, rent-to-own, selected developer packages, and possibly EPF-related support. Each route reduces upfront pressure in a different way, so the best choice depends on buyer profile, property type, and approval readiness. a. Can PR1MA financing help first-time buyers? PR1MA financing can help eligible buyers of PR1MA properties reduce upfront cash pressure. CIMB states that its PR1MA Home Financing Package allows homebuyers to obtain up to 100% plus 5% financing for GMTA/GMTT, legal fees, and valuation fees for PR1MA property. CIMB also states that PR1MA home financing is available to Malaysian citizens aged 21 and above, with a financing tenure of 5 to 35 years, or up to age 70, whichever is earlier. b. Is rent-to-own Malaysia better than a housing loan? Rent-to-own in Malaysia is useful when a buyer cannot yet qualify for a mortgage but expects to qualify later. In simple terms, rent-to-own is an arrangement in which the buyer rents first, accumulates credits, and later has the option to buy at an agreed-upon price. It is not automatically cheaper. Rent-to-own is “not a discount mechanism” and notes that if a buyer is already approved for a mortgage, rent-to-own is almost always more expensive than buying conventionally. A rent-to-own house in Malaysia with no deposit arrangement may sound attractive because the upfront cash can be lower than a normal purchase. The trade-off is that rent can be above market rate, credits may be forfeited if the buyer does not buy, and the buyer still needs loan approval later. c. Can Maybank HouzKEY help buyers avoid a down payment? Maybank HouzKEY is a Shariah-compliant homeownership financing solution based on a lease structure that ends with ownership. The HouzKEY offers homebuyers 100% financing, no down payment, no payments during construction, and lower monthly payments during the initial tenure. HouzKEY is not the same as a normal mortgage loan in Malaysia. It is a leasing facility based on Islamic principles, and homebuyers begin with a 5-year initial tenure, with the option to continue for up to an additional 30 years, subject to assessment and terms. 5. How Do Banks Decide Whether to Approve a 100% Home Loan? Banks approve 100% home loans in Malaysia based on repayment capacity, not just the scheme name. Your debt service ratio, income documents, CCRIS report, CTOS score, property value, and scheme eligibility all matter. a. What is the debt service ratio, and why does it matter? The debt service ratio compares your monthly debt commitments against your income. Banks use DSR to assess whether borrowers can manage home loan repayments, and many Malaysian banks set a DSR limit of around 60% for regular borrowers, with some allowing up to 70% for stronger profiles. DSR is also a key factor in the home loan approval process, alongside CCRIS, CTOS, income stability, and property value. If DSR is too high, the bank may reduce the eligible loan amount or reject the application. b. Why do CCRIS reports and CTOS scores matter? A CCRIS report shows recent repayment behavior, including loan records and payment history. The CCRIS is managed by Bank Negara Malaysia and is used by banks to understand a borrower’s creditworthiness. A CTOS score gives banks a broader credit profile. CTOS provides a credit score from 300 to 850, and banks use CTOS reports to review credit behavior, legal issues, defaults, and bankruptcies. For first-time buyers, CTOS score issues such as late payments, legal actions, high debt, or frequent loan applications can make approval harder. It is advisable for buyers to check CCRIS and CTOS before applying, so that errors or negative marks can be addressed early. c. What documents are usually needed for an SJKP or home loan application? To apply for the SJKP home loan Malaysia, Maybank lists documents such as NRIC, property financing application form, business registration documents if applicable, copy of SPA, booking fee receipt, developer letter of offer, valuation report for completed property, income proof, salary slips, EPF statement, bank statements, tax forms, and financial records, depending on employment type. This closely aligns with what other providers listed. d. Checklist before applying for a 100% home loan Home loan eligibility: Check whether you are a first-time buyer, a Malaysian citizen, and within the scheme’s property and income limits. Debt service ratio: Calculate your DSR before applying, so the monthly installment does not crush your monthly cash flow. CCRIS report: Review repayment history early and fix overdue payments before submitting a housing loan application. CTOS score: Check your credit profile and avoid unnecessary loan applications before applying. Sales and Purchase Agreement: Confirm whether the property, SPA, and buyer names match the scheme requirements. Legal fees Malaysia property: Ask which fees are financed, waived, absorbed, or still paid in cash. MRTA MRTT: Check whether mortgage protection is compulsory, optional, financed, or paid separately. Monthly installment: Prepare for the real monthly payment, not just the nice “zero deposit” headline. This checklist follows the financing, credit, and documentation concerns raised across various financial providers. 6. Is Buying a Zero Down Payment House in Malaysia Safe? A zero-down-payment house in Malaysia can be safe when the buyer understands the full cost, has stable repayment ability, and chooses a suitable property. It becomes risky when the buyer only sees “no deposit” and forgets that monthly installments still arrive with gym-level consistency. a. What are the main risks of zero down payment property in Malaysia? The biggest risk of a no-down-payment house in Malaysia is a higher monthly commitment. If the bank finances more of the purchase price, the loan amount is larger, and the monthly installment can be higher than a buyer expects. Another risk of a zero-down-payment property in Malaysia is a weaker cash buffer. Buyers who use all savings for moving, furniture, and fees may struggle when repairs, assessment tax, maintenance fees, or life surprises show up together like they planned a reunion. For rent-to-own, the key risk is forfeiture. If the buyer chooses not to purchase, accumulated credits and premium rent may be forfeited. For HouzKEY, buyers must understand that it is a leasing facility, not a traditional mortgage. Missed payment can trigger default, late payment charges, legal action, and termination-related consequences. b. When is zero down payment a smart move? A full-loan house Malaysia route makes sense when the buyer has a stable income, a clean repayment history, a manageable DSR, a realistic property choice, and sufficient emergency savings after moving in. The buyer should treat the missing 10% deposit as breathing room, not shopping money. It can also work for first-time home-buyer applicants in Malaysia who are owner-occupiers rather than short-term speculators. SJKP and SJKP MADANI are designed for residential properties intended for own stay, and SJKP is strictly tied to first-time homebuyer status. c. When should buyers avoid it? Avoid buying a house without a down payment in Malaysia when income is unstable, DSR is already high, CCRIS or CTOS has serious issues, or the buyer does not understand what the bank is financing. A full loan with weak cash flow is not a shortcut; it is a bigger monthly promise. Buyers should also be careful with new-launch property zero-down-payment promotions in Malaysia if the rebates, legal fees, valuation fees, or loan agreement terms are unclear. Hong Leong Bank notes that many developers offer early-bird or easy-entry packages with rebates, but buyers still need to check the actual terms carefully. IQI Global can help buyers compare new-launch properties in Malaysia with normal subsale alternatives, so the decision is based on affordability and suitability, not just marketing headlines. Approach us for more! Approach IQI Now! 7. What Is the Best Way to Buy Your First House in Malaysia With Low Savings? The best first-time home buyer route in Malaysia depends on your buyer profile. SJKP is for eligible first-time Malaysian buyers; PR1MA financing is for selected PR1MA property buyers; rent-to-own is for buyers who need time to qualify; and a normal home loan is usually better for buyers who already qualify. Buyer profileBest option to exploreWhy it fitsMain cautionFirst-time Malaysian buyer with low savingsSJKP or SJKP MADANIMay reduce or remove the 10% deposit barrierMust pass the bank assessment and scheme rulesGig worker or self-employed buyerSJKPAccepts non-fixed income profilesNeeds strong proof of repayment abilityBuyer interested in PR1MA propertyPR1MA financingCIMB offers up to 100% + 5% financing for PR1MA propertyApplies only to PR1MA property and eligible buyersBuyer not ready for mortgage approvalRent-to-ownGives time to build a credit and income profileCan cost more, and credits may be forfeitedBuyer exploring lease-to-ownMaybank HouzKEYOffers 100% financing under a Shariah-compliant lease structureIt is not a normal mortgage productBuyer is already eligible for a standard mortgageNormal home loanUsually clearer and may be cheaper than RTOStill needs a deposit and upfront costs a. What questions should you ask the bank before taking a full loan? Before signing a loan agreement, ask the bank these questions in writing: 100% home loan Malaysia: Is the financing 100%, 105%, 110%, or 120%? Margin of finance: What exactly is included in the financing amount? Monthly installment: What is my actual monthly payment after all financed costs? MRTA MRTT: Is mortgage protection compulsory, and is it financed or paid separately? Stamp duty Malaysia property: Which stamp duties are exempted, financed, waived, or paid in cash? Valuation fee: Is the valuation fee required for this property, and who pays it? Subsale house without down payment Malaysia: Does the scheme apply to subsale, new launch, completed, or under-construction properties? Bank loan approval: What DSR, CCRIS, CTOS, and income documents will the bank use to assess me? IQI Global can connect buyers with local real estate professionals who understand buy-first-home options in Malaysia, so buyers can compare property choices before committing to a financing path. Approach IQI Now! Buying a house without a down payment in Malaysia is possible, but the smarter question is whether the full purchase is affordable after approval. Compare SJKP, PR1MA, HouzKEY, rent-to-own, and normal home loans. Check DSR, CCRIS, CTOS, legal costs, and the monthly installment first. A low-deposit home is helpful only when it protects your cash flow, not when it quietly turns your dream home into a monthly headache. 8. Frequently Asked Questions (FAQs) a. Can I buy a house in Malaysia without a down payment? Yes, can I buy a house in Malaysia without a down payment is possible through selected options such as SJKP, SJKP MADANI, PR1MA financing, Maybank HouzKEY, rent-to-own, or certain developer packages, subject to eligibility and bank approval. b. What is the minimum down payment for a house in Malaysia? The usual minimum down payment is 10% of the purchase price. For an RM400,000 property, that means RM40,000 unless the buyer qualifies for a full-financing scheme or a special package. c. What is a 100% home loan in Malaysia? A 100% home loan in Malaysia means the bank finances the full property price. Some schemes may exceed 100% to include selected costs, such as mortgage protection, legal fees, or valuation fees, subject to scheme limits and approval. d. Who is eligible for SJKP Malaysia? SJKP Malaysia is generally for Malaysian first-time home buyers aged 18 and above who meet income, property, repayment, and bank approval requirements. Both fixed- and non-fixed-income earners may apply. e. Can gig workers buy a house in Malaysia without a payslip? Yes, gig workers may apply under SJKP if they can prove repayment ability through documents such as bank statements, income records, business documents, or other supporting evidence required by the bank. f. Is rent-to-own better than a normal housing loan? Usually, rent-to-own in Malaysia is not a better option if you already qualify for a normal mortgage, because it can be more expensive. It is mainly useful for buyers who need time to improve their credit, DSR, or loan eligibility. g. What costs should I prepare if I get a full home loan? Even with a fully financed house in Malaysia, prepare for the booking fee, SPA legal fee, loan agreement fee, stamp duty, valuation fee, MRTA/MRTT, fire insurance or takaful, maintenance fee, sinking fund, and monthly installment. Explore properties in Malaysia with IQI Global and speak to a local real estate professional before choosing your first-home financing route. [custom_blog_form] Continue Reading Is It Really Possible to Buy a House Under RM300K in KL? A Realistic Guide for Malaysian First-Time Buyers Are You Eligible for Rumah Mampu Milik Johor? Minimum Wage Raised to RM1.7k. But Is It Really Enough to Buy a House in KL? Sources and References AJobThing. (2026, January 28). Skim Jaminan Kredit Perumahan (SJKP): How Malaysians can buy a home without a payslip. Retrieved from https://www.ajobthing.com/resources/blog/skim-jaminan-kredit-perumahan-sjkp-how-malaysians-can-buy-a-home-without-a-slip Alliance Bank Malaysia. (n.d.). Skim Jaminan Kredit Perumahan (SJKP) | First time home buyer | Alliance Bank Malaysia. Retrieved from https://www.alliancebank.com.my/personal/Financing/personal-mortgage/skim-jaminan-kredit-perumahan Allianz Malaysia. (2022, April 4). What you need to know buying your first home - Allianz Malaysia. Retrieved from https://www.allianz.com.my/personal/help-and-services/a-z-reads/home/what-you-need-to-know-buying-your-first-home.html Chandra, C. (2026, April 17). Your first home loan: A step-by-step guide for new homebuyers. Ringgitplus. Retrieved from https://ringgitplus.com/en/blog/home-loans/your-first-home-loan-a-step-by-step-guide-for-new-homebuyers.html CIMB. (n.d.). Pr1ma Home Financing Package | CIMB. Retrieved fromhttps://www.cimb.com.my/en/personal/day-to-day-banking/financing/packages/pr1ma-home-financing.html FAR Capital. (2026, April 2). How to buy zero down payment property Malaysia in 2026? Retrieved fromhttps://farcapital.com.my/zero-down-payment-property-malaysia-2026/ Hong Leong Bank. (2026, July 2). Buy A House Part 2. Retrieved fromhttps://www.hlb.com.my/en/personal-banking/campaigns/duitsmart/buy-a-house-part-2.html Maybank Malaysia. (n.d.). Skim Jaminan Kredit Perumahan (SJKP) Loan | Maybank Malaysia. Retrieved from https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/loans/home/skim-jaminan-kredit-perumahan.page maybank2own.com. (n.d.). m2own. Retrieved fromhttps://www.maybank2own.com/portal/how-it-works Poptani, A. P. (2026, February 20). First Time Home Buyer Guide: CCRIS, CTOS & Budget 2026 Schemes Explained - iproperty. Retrieved from https://www.iproperty.com.my/guides/housing-loan-how-to-apply-as-a-first-time-homebuyer-in-malaysia-56409#government-schemes-2026 PropertyGuru Editorial Team. (2023, September 21). Making A Down Payment In Malaysia: Here Are 6 Things To Expect. Retrieved from https://www.propertyguru.com.my/property-guides/what-is-downpayment-house-malaysia-11913 PropCashflow. (2026, March 29). Rent-to-Own Property Malaysia 2026: How It Works. Retrieved fromhttps://propcashflow.my/blog/rent-to-own-property-malaysia/ StashAway Malaysia. (2026, February 28). Complete Guide For First Time Home Buyer to Buying a House in Malaysia. Retrieved from http://stashaway.my/r/complete-guide-first-time-home-buyer-buying-house-in-malaysia
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