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Top 10 properties available for B40 in Malaysia


The B40 group should not be left out when it comes to owning property. If you belong in this group, here are the top properties in Malaysia that you should check out.

top 10 properties for B40
© Abdul Razak Latif / 123RF

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Owning a home is a basic need. However, with the skyrocketing property prices especially in major cities, owning a home remains a distant dream for a lot of people especially the B40 group. Not just that, issues on affordable housing have been hot potatoes for many countries from around the globe as units for government-subsidised projects are limited while some units are still not as affordable when compared to the average national income. However, there are still affordable housing units out there for you to get a foothold based on several basic estimates.

What is the B40 category in Malaysia

Malaysians are classified into three groups according to their household income. That means, if both husband and wife are working, their incomes need to be totalled together. Based on the Department of Statistics Malaysia (DOSM) 2020, the three groups are as the following:

Income classificationDefinitionDetails
 B40 Bottom 40%
  • Lower-income group
  • Household income is below RM4,850 per month
 M40 Middle 40%
  • Middle-income group
  • Household income between RM4,851 per to RM10,970 per month
 T20 Top 20%
  • Upper class
  • Household income exceeds RM10,971 a month

Source: Department of Statistics Malaysia (DOSM), 2020.

In Malaysia, the B40 group refers to the bottom 40% of the Malaysian household income. They are eligible for government aid such as the Bantuan Sara Hidup (BSH) or Bantuan Prihatin Rakyat (BPR), Program Perumahan Rakyat (PPR) and Program Perumahan Rakyat Termiskin (PPRT) for the hardcore poor and Skim Peduli Kesihatan PeKa B40. According to the Household Income and Basic Survey Amenities Report 2019, the B40 group comprises 2.91 million households in Malaysia. In terms of the income distribution, the B40 constituted only 16% of total household income. Here is the breakdown of the B40 income tier:

 GroupMedian Household Income (RM)Average Household Income (RM)Income Threshold (RM)
B40B11,9291,849Less than 2,500
B22,7862,8032,501 – 3,170
B33,5663,5613,171 – 3,970
B44,3874,3953,970 – 4,850

Source: Department of Statistics Malaysia (DOSM), 2020.

READ: The Homebuyer’s Tribunal: Why it’s not as affordable and easy as it seems to make a claim

11 affordable housing schemes for B40 in Malaysia 

There are a few housing schemes that are meant to assist both the B40 and M40 groups in owning homes. They include:

1. Better Malaysia Foundation (BMF)

A proposal made recently includes recommendations for the government to guarantee loans (for the B40 to own houses), 100% financing as well as two-generation home loans of between 40 and 60 years duration so that loan repayments will be more affordable.

2. BSN MyHome (Program Perumahan Rakyat) 2021

BSN MyHome (Program Perumahan Rakyat) 2021  is a housing loan offered by Bank Simpanan Nasional Malaysia (BSN) for people who are self-employed or with irregular income.

3. Perumahan Rakyat 1 Malaysia (PR1MA)

Earmarked for development in key strategic urban areas nationwide and the homes come in various types and sizes.

4. Program Perumahan Rakyat (PPR)

PPR or Rumah PPR is one of the government’s efforts for squatter resettlement and to meet the housing needs of the low-income group, B40. The main implementing agencies for PPR projects throughout Malaysia consist of the National Housing Department (JPN), the Ministry of Housing and Local Government (KPKT) and local government.

5. Rent-to-Own-Scheme (RTO)

It caters to aspiring homeowners who find it difficult to come up with the initial 10% downpayment. In short, the RTO scheme allows you can own one property unit after renting it first. Hence the name, Rent-to-Own.

6. Residensi Wilayah (RUMAWIP)

Applicants are required to be born, work, or live in any of the Federal Territories upon application. RUMAWIP units are sold below market price and are available in studio/one room, two rooms, and three rooms with strata title ownership.

7. Rumah Selangorku (RSKU)

Properties under Rumah Selangorku (RSKU) include highrise apartments and landed houses. The prices depend on the type of property and range from RM42,000 to RM250,000.

8. Rumah Mesra Rakyat (RMR) SPNB

A programme is created to help lower-income earners like fishermen, farmers, and poor families without abodes, or dilapidated homes with access to land, to build and own more comfortable, affordable homes.

9. Rumah Perakku

A programme by the Perak State Government to help residents in the B40 category to own their first home. The price of the units is under RM250,000.

10. Rumah Mampu Milik Johor (RMMJ)

Rumah Mampu Milik Johor (RMMJ) or Rumah Mampu Biaya Johor (RMB) is an initiative by the Johor state government, it offers homes to those in the B40 and M40 categories. The projects are Bumiputera Lots and also Program Perumahan Rakyat (PPR). Applications can be made at the eRumah Johor website.

11. Youth Transit Housing

Instead of purchasing a house, the properties under the Youth Transit Housing are only for rental. However, its rates are promised to be 30% lower than the market rate.

Top 10 properties for B40 in Malaysia 

We have compiled the list of top 10 properties for B40 in Malaysia using data and information from the Valuation and Property Services department (JPPH) that has been compiled by Brickz. This is based on a review period from January 2020 to December 2020. The properties are ranked in ascending order, based on the number of transactions.

We have also selected the properties based on several basic estimates. A good rule of thumb is that housing expenses must not exceed 30% of your household income. Hence, if your monthly instalment is RM949, your total household income must not be less than RM3,166. Not just that, you also need to consider other home-related expenditures such as WiFi and entertainment subscriptions. 

  • B40’s median monthly income: RM3,166 
  • A monthly instalment not exceeding RM949
  • Median price (house): RM250,000
  • 10% deposit, 35 years loan tenure, 3.6% interest rate

10. Taman Marida II – Ampangan, Negeri Sembilan

Taman Marida II is only a walking distance away from Sekolah Menengah Kebangsaan (SMK) Senawang, Giant Hypermarket, Mydin Mart, and various other shops and restaurants. It is only around 5 minutes away from the nearby PLUS Highway.

  • Median price: RM250,000
  • Monthly instalment: RM943
  • Type: Terrace house
  • Built-up size: 1,755 sq ft

Google MapsWaze

9. Taman Sejati Indah 3(B) 1 -Sungai Petani, Kedah 

Taman Sejati Indah is located in an established and crowded area, with many amenities within its vicinity.  It is only 5 minutes away from toll Selatan Sungai Petani, Park Avenue Hotel, Emerald Hotel, Caltex, various restaurants, banks, offices, and convenience shops. It is also only 10 minutes away from hypermarkets such as Lotus and Giant, a school, and other housing areas.

  • Median price: RM165,000
  • Monthly instalment: RM622
  • Type: Terrace house
  • Built-up size: 1,300 sq ft

Check out the residential properties for sale at Taman Sejati Indah, Sungai Petani on

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8. Taman Mutiara 1 – Hujung Permatang, Selangor

Taman Mutiara 1, located in Hujung Permatang, Kuala Selangor consists of single-storey and double-storey houses on a Malay Reserve Land (MRL). There is a centralised facility system with a landscaped garden which includes a multipurpose court and a playground.

  • Median price: RM250,000
  • Monthly instalment: RM943
  • Type: Terrace house
  • Built-up size: 1,259 sq ft

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7. Taman Rapat Setia Baru – Ipoh, Perak 

One of the advantages of living in Ipoh is its accessibility to nature and culture. Taman Rapat Setia Baru is only a 4-minute drive to the popular tourist attraction, Kek Lok Tong limestone cave temple. It is also only a 9-minute drive to the Sultan Azlan Shah Airport.

  • Median price: RM250,000
  • Monthly instalment: RM943
  • Type: Terrace house
  • Built-up size: 2,250 sq ft

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6. Taman Mantau Indah 2 – Seremban 2, Negeri Sembilan

The residential properties for sale at Taman Mantua Indah 2 are mostly freehold single-storey terrace houses. They are equipped with 3 bedrooms and 2 bathrooms. In terms of amenities, it is located 4km from a primary and secondary school, 5.5km from AEON MALL Seremban, 5km from Tesco Xtra, and 5km from KPJ Hospital.

  • Median price: RM230,000
  • Monthly instalment: RM868
  • Type: Terrace house
  • Built-up size: 1,400 sq ft

Check out the residential properties for sale at Taman Mantau Indah 2 today!

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5. Taman Desa Pinggiran Bayu – Mantin, Negeri Sembilan 

Taman Desa Pinggiran Bayu comprises 135 units of double-storey terrace houses. Facilities include a children’s playground, jogging track, landscaped garden, surau, swimming pool, and 24-hour security. The project is situated within the vicinity of Bayu Lakehomes, Tuanku Jaafar College, and Kolej Lagenda. It can be accessed via the Lebuhraya Utara Selatan Plus (North-South Expressway) and the Federal Route 1, thus the accessibility is top-notch to access what nearby maturing communities of Mantin, Nilai, Seremban, Seremban 2, and Bandar Seri Putra.

  • Median price: RM250,000
  • Monthly instalment: RM943
  • Type: Terrace house
  • Built-up size:  1,798 sq ft

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4. Desa Indah 2 – Bandar Baru Permyjaya, Sarawak

The residential units in Desa Indah 2 are leasehold terrace houses. It is located near Merbau National Secondary School while Curtin University Malaysia is only a 13-minute drive away. There are also plenty of amenities in the areas such as shops, restaurants, and places of worship.

  • Median price: RM242,500
  • Monthly instalment: RM915
  • Type: Terrace house
  • Built-up size: 1,814 sq ft

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3. Vista Minintod – Penampang, Sabah

Vista Minintod is a leasehold apartment located in Penampang, Sabah. It is located near multiple medical facilities such as Klinik Desa Nosoob, Kota Kinabalu Specialist Centre, Damai Specialist Hospital, and Hospital Queen Elizabeth.

Each unit has 3 bedrooms and 2 bathrooms. Residents have access to ample parking spaces for their cars in the apartment’s open parking lot. Other facilities provided by the apartment include a cafeteria, children’s playground, mini-market, jogging track, and 24-hour security.

  • Median price: RM230,000
  • Monthly instalment: RM868
  • Type: Apartment
  • Built-up size: 750 sq ft

Check out the residential properties for sale at Vista Minintod, Penampang today!

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2. Vista Perdana – Kuala Baram Sarawak

The residential units in Vista Perdana are single-storey terrace houses with 3 bedrooms and 2 bathrooms. The area is located only 2.5km from Permy Mall and 6.8km from Boulevard Shopping Complex.

  • Median price: RM250,000
  • Monthly instalment: RM943
  • Type: Terrace house
  • Built-up size:  1,000 sq ft

Check out the residential properties for sale at Vista Perdana, Kuala Baram on

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1. Pangsapuri Taming Mutiara – Bandar Sungai Long, Kajang 

Pangsapuri Taming Mutiara (also known as Taming Mutiara Apartment) is a freehold low-cost flat located in Taming Mutiara, Bandar Sungai Long. It is available under the Rumah Selangorku (RSKU) housing scheme and there are 173 units available at this project.

It is nearby to several MRT stations such as Bandar Tun Hussein Onn , Sri Raya , Batu Sebelas Cheras, and Taman Suntex. Some of the schools here are Bandar Baru Sungai Long Secondary School and SJK (C) Bandar Sungai Long.

  • Median price: RM250,000
  • Monthly instalment: RM943
  • Type: Apartment
  • Built-up size: 1,000 sq ft

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Note: Analytics is based on the data available at the date of publication and may be subject to revision as and when more current data becomes available.

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Edited by Rebecca Hani Romeli

Disclaimer: The information is provided for general information only. Malaysia Sdn Bhd makes no representations or warranties in relation to the information, including but not limited to any representation or warranty as to the fitness for any particular purpose of the information to the fullest extent permitted by law. While every effort has been made to ensure that the information provided in this article is accurate, reliable, and complete as of the time of writing, the information provided in this article should not be relied upon to make any financial, investment, real estate or legal decisions. Additionally, the information should not substitute advice from a trained professional who can take into account your personal facts and circumstances, and we accept no liability if you use the information to form decisions.

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