Am I eligible for Rumah Selangorku (RSKU)? How do I apply for the scheme?

Rumah Selangorku is a people-centric housing scheme to assist middle-income groups in purchasing affordable houses in key urban centres within the state of Selangor.

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Selangor is one of Malaysia’s most populated states and many properties in this area are selling at skyrocketing prices. Many families, youth and first-time homebuyers are having a hard time finding the ‘perfect home’ that fits all of these criteria – affordable, spacious and based at a strategic location. With Rumah Selangorku, the dream of owning your first home sweet home will finally be closer to reality.

First introduced in 2014, Rumah Selangorku is designed to encourage and support developers in producing affordable houses. Rumah Selangorku strives to make it imperative for developers to construct a certain amount of reasonably-priced housing units as part of their overall project. The initiative is spearheaded by Lembaga Perumahan dan Hartanah Selangor (LPHS), in line with the Ministry of Housing and Local Government’s (KPKT) policy of achieving one million affordable homes by 2028.

Are you interested? Let’s start by checking out these key facts about Rumah Selangorku and the applicants’ criteria before you apply:

1. What makes Rumah Selangorku different from other affordable housing schemes?

Rumah Selangorku is an entirely different scheme compared to previous ones offered by the state government. It is compulsory statutory housing for developers, depending on the project’s district (mukim) and sub-district (daerah). If, for example, a developer has developed more than 10 acres of a project in a local government or Pihak Berkuasa Tempatan (PBT) area, it would have to dedicate a certain percentage of the development to build ‘Rumah Selangorku’ units.

2. Who can apply for Rumah Selangorku?

As Rumah Selangorku is a housing scheme focused on supporting low-income and middle-income citizens of Selangor, certain criteria have to be met, which are as follows:

  • Applicants must be at least 18 years old
  • He or she must be a Malaysian citizen and a resident of Selangor
  • Rumah Selangorku is for first-time homebuyers only
  • The maximum household income (married couple) must not exceed RM 10,000
  • The husband or wife may apply for Rumah Selangorku. However, only one offer will be given to each household.
  • For a single individual, the household income must not exceed RM 3,000 per month

3. Which property is eligible for me?

Rumah Selangorku provides a variety of unit types catered specifically to the applicants’ preferences and income levels. Under Rumah Selangorku scheme, the houses are categorised into five types A, B, C, D, and E with different eligibility criteria depending on the applicant’s monthly household income. Applicants are allowed to choose only one type of house:

  • Type A

Maximum RM 3,000/month (household income)

  • Type B, C, D, E

Maximum RM 3,001 – RM 10,000/month (household income)

Type A houses are selling at RM 42,000 while Type B, C, D, and E are selling from RM 100,000 to RM 250,000 (Pricing is subject to approval by Majlis Mesyuarat Kerajaan Negeri Selangor (MMKN)).

4. What type of properties are offered under the Rumah Selangorku scheme?

There are two types of properties available, according to info obtained from REHDA Selangor:

Highrise (apartment)

  • Type A
    • Built-up: 700 sq ft
    • Price: RM 42,000
  • Type B
    • Built-up: 750 sq ft
    • Price: RM 100,000
  • Type C
    • Built-up: 800 sq ft
    • Price: RM 150,000
  • Type D
    • Built-up: 900 sf
    • Price: RM 200,000
  • Type E
    • Built-up: 900 sq ft
    • Price: RM 250,000

Landed (townhouse and terrace)

  • Type A
    • Built-up: 700 sq ft (townhouse)
    • Price: RM 42,000
  • Type B
    • Built-up: 750 sf (townhouse)
    • Price: RM 100,000
  • Type C
    • Built-up: 1,000 sf (townhouse)
    • Price: RM 200,000
  • Type D
    • Built-up: 900 sf (terrace 20’x60’)
    • Price: RM 250,000

5. How do I apply for Rumah Selangorku?

Rumah Selangorku application is free and must be made only online at Sistem Pendaftaran Permohonan Hartanah Negeri Selangor website. You need to set up an account on the website and then you are required to provide documentation to confirm your eligibility. The LPHS never appointed a third party (an individual, organisation, association, or a company) as an agent for Rumah Selangorku application. Action will be taken by LPHS by not granting strata title on homes found to be owned or purchased without their approval.

The compulsory documents are as follows:

  • Copies of the applicants’ NRIC
  • Birth certificates of children/dependents (if applicable)
  • Copy of marriage certificate or similar documentation (if applicable)
  • Confirmation letter from employer or Commissioner of Oaths for single, self-employed applicants (if applicable)
  • Payslips, bank statements, or income verification from Commissioner of Oaths (if applicable)
  • Statutory declaration from Commissioner of Oaths of an unemployed spouse (if applicable)
  • EPF statement (if applicable)
  • Copy of utility bill
  • Credit reports from the Central Credit Reference Information System (CCRIS) and/or from the Credit Tip-Off Service (CTOS)
  • Applicants for Rumah Selangorku are assessed based on a merit system, comparing their eligibility criteria and potential merits.

After you’ve submitted all the necessary documents, you have to be a teensy-weensy bit patient and wait for the confirmation. However, only successful applicants will be contacted by letter or email to confirm that they have been selected.

6.  What are the ground rules that I need to adhere to? 

As the housing scheme is designed for the lower and middle-income (B40s) in Selangor, there are some ground rules that potential buyers need to adhere to:

  • The property cannot be sold within 5 years of purchase
  • The owners are not allowed to rent out the property
  • Applications are active for two years
  • After two years, if not successful, applicants may apply again

7. What happens if I turn down a successful Rumah Selangorku application? 

Applicants who rejected a successful application will be made INACTIVE for two years. A new application can be made after that period ended.

8. What are Rumah Selangorku restrictions?

Buyers will have to adhere to a moratorium period of 5 years. This means that you can’t sell the property until after the 5 years have passed. The terms of the moratorium are included in the offer letter to the buyer, Sale and Purchase Agreement and land title document (subject to restrictions of interest). The moratorium period is effective from the point (date) that the Sale and Purchase Agreement is signed. The guideline also states that after the moratorium period has ended, you may sell your property but with required approval from the state government.

ALSO READ: PKNS committed to building affordable homes

What are you waiting for? If you are eligible, don’t miss out on this prime opportunity to own your very first home under the Rumah Selangorku 2.0 scheme. Also, you may check RUMAWIP, MyHome and BSN MyHome (Youth Housing Scheme) for more first home options. On top of that, don’t forget to check your DSR and use LoanCare to increase your chances of getting a home loan approval from up to 17 banks. Good luck!

Edited by Rebecca Hani Romeli