Malaysia has seen a large increase in its population in urban areas over the last decade. People move to the city for a number of reasons, but the biggest one of them is to seek better quality-of-life (QoL). In order to understand this shift though, we must first look at the smaller picture.
For starters, let’s take a look at the term, urban population. Urban population, as defined byWHO, refers to the population density concentrated in an area that is considered urban. In simpler terms, we’re looking at the population density in the city, such as Kuala Lumpur and Selangor. We also want to note that the definition varies from country to country, depending on geographical and territorial elements.
The Department of Statistics Malaysia (DOSM) predicted that the urban population in our country would grow to 76.6% by 2020. Meanwhile, a quick searchon the internet shows that Malaysia’s latest urban population currently sits at an urban population of 77.2% in 2021, a 0.6% increase from the previous year.
Rumah Mampu Milik Johor in Johor Bahru
As of 2021, in Kuala Lumpur alone, the population is estimated to be 8,211,000. For Selangor, it is estimated to be above 6,530,000 (figure reported is 2019). This means several things for those moving to urban areas for better QoL. One, they’ll have a harder time keeping up due to the high living costs in urban areas. Two, those looking to settle down in urban areas will face bigger challenges in purchasing a home due to the overwhelming competition within the property market, both from buyers and sellers.
This has caused many to turn to Johor Bahru as an alternative for homebuying purpose instead. With Johor Bahru slowly becoming an up-scale and touristy city in its own right, many have begun considering the notion of moving to Johor Bahru or its neighboring areas instead. With a population density of 1,044,548 only, property prices in Johor are surprisingly lower and much more affordable, despite the property boom of years past. On top of that, as a means to help boost the state’s economy, the Johor government is also offering affordable housing schemes to those looking to purchase a house in the state.
In Johor’s case, this housing scheme goes by the name of Rumah Mampu Milik Johor. Let’s take a look at it.
Rumah Mampu Milik Johor:
Rumah Mampu Milik Johor (RMMJ), or Johor Affordable Housing Scheme is one of the many initiatives out there to assist B40s and M40s in owning a home. However, what makes this scheme particularly different is that it is only exclusive to Johoreans.
Started by the Johor government in 2013, the initiative is expected to run for a duration of 10 years, with the government aiming to build 100,000 affordable homes for Johoreans by 2023.
Although its English title may imply Rumah Mampu Milik Johor is a standalone scheme, it is actually an umbrella term that encapsulates several other housing schemes within it. Depending on your age, income classification status and ethnicity, you may fall into one or the other category.
Rumah Mampu Biayai Johor (RMBJ)
Program Perumahan Rakyat (PPR) or People Housing Program.
Compared to some of the housing schemes we’ve discussed in the past, RMMJ’s housing schemes are relatively straightforward and hassle-free, with no ambiguities involved. Each housing scheme is meant to cater to a specific group of people only, which makes it easier for one to understand them.
Furthermore, individuals will have a myriad of homes to choose from when it comes to property types, though it needs to be stressed that any homes offered in the Rumah Mampu Milik Johor initiative come with these standard features:
Homes to be designed in a modern and family-friendly fashion
The key thing to remember is this is an affordable housing scheme, which means its main catch is affordable pricings, not architectural elements or layouts.
Rumah Mampu Biayai Johor (RMBJ)
We’ll start off with RMBJ as it is the most comprehensive one. Individuals registered under RMBJ are classified into four groups– RMB A, RMB B, RMB C, and RMB D. Each group is defined by an income threshold, followed by the minimum value of the houses that they’re entitled to. To give you an example of what we mean, here’s a table outlining the differences.
Minimum property value entitled
RM250,000 – RM300,000
It’s also important to note that entitlement in this context does not mean backed financing, i.e.: Skim Perumahan Belia BSN.
We would also like to share that there is a fifth group within RMBJ titled Kedai Kos Sederhana, or Medium Cost Shop Lots, which concerns commercial property or retail lots essentially. However, the fifth group only applies to businesses or shop owners, so we’ll be leaving that out.
In order to qualify for RMBJ, applicants must take note of the following terms:
Possess a maximum household income <RM4,000, or RM6,000, or RM8,000, or RM10,000. See the above table for a better illustration of how individuals are grouped
Open to first time singles and married couples alike
Aged 18 and above, and must have resided in Johor for 10 years minimally
Married couples are only entitled to one home
For polygamous applicants, any additional applications will fall under the subsequent spouse’s name instead
I.e., If an individual has two wives, the second RMBJ application will be filed under the second wife’s name instead, making it a single application
Applicants who own a medium-cost home or a high-cost one will be disqualified from the eligibility process, here’swhy
Meanwhile, applicants who are registered under RKR/RKSR/PKJA/PKJB can apply RMBJ, though the second home must fall under RMB C or RMB D
House registration will only be valid for 2 years beginning its registration date
Rumah Mampu Milik Johor: Bumiputera Lot
Bumiputera lots function just like RMBJ, though there is one aspect that fundamentally separates it from its sister schemes. Can you guess what is it?
If you answered bumiputera, then you’re absolutely right. Though what exactly is bumiputera? And how does the government define the word? Contrary to popular beliefs, bumiputera not only refers to our Malay brethren. As a matter of fact, the term consists of a few more ethnic groups, mostly the indigenous tribes in Malaysia, namely:
Orang asli or natives from Peninsular Malaysia,
The bumiputera lot exists for a simple reason –To fulfill RMBJ’s bumiputera quota, which technically falls under the Johor government’s promise to create affordable housings for the needy, specifically,40% of housings developed in Johor must be made available for the purpose of Rumah Mampu Milik Johor. Again, that includes RMBJ, Bumiputera Lot and PPR, which we will get into after the following section.
Bumiputera Lot Eligibility
As its name suggests, all applicants must be of Bumiputera descent. Non-bumiputera applicants will be denied approval for the scheme.
Program Perumahan Rakyat (PPR)
While all housing schemes under Rumah Mampu Milik Johor cater to Johoreans only, PPR is not a program exclusive to Johoreans only. In fact, it is a nationwide initiative started by the Malaysian government to provide affordable housing to all low-income earning Malaysians. That said, the PPR conditions do vary from state to state.
Unlike Bumiputera Lot which requires applicants to be of bumiputera descent, PPR is open to all applicants much like RMBJ, with a couple of jarring differences. Also, unlike RMBJ which caters to B40s and M40s, PPR only focuses solely on B40s.
PPR has some pretty standard criteria that are found in other housing schemes, though it has its own set of conditions to be met, which includes:
Aged 18 and above
Applicants must be married
Subsequent wives in polygamous marriage are not eligible for the program
Widowed applicants are eligible for the program, this is perhaps the biggest grace not that set RMBJ and PPR apart
Singles aged 50 and above, who are caretakers without any next-of-kin are also eligible for the scheme
Applicants’ household income <RM4,000
Neither applicants, single or married own any properties
Neither applicants, single or married reside in government quarters
All involved applicants must not possess a criminal record
Documents and application process
Unfortunately, Sistem Perumahan Johor does not specify the documents needed to apply for Rumah Mampu Milik Johor. Though if we had to take a guess, most applicants should come prepared with the following documents on hand,
A copy of one’s NRIC
A copy of spouse’s NRIC, if applicable
Income statement dated to latest 3 months, applies to spouse if applicable
Bank statement dated to latest 3 months, also applies to spouse if applicable
Latest EPF statement
Letter of employment
J Form/Latest Tax declaration form
Letter of Oath to name a few
To err on the side of caution, we recommend interested applicants to contact Sistem Perumahan Johor to thoroughly ensure they have all the necessary documents on hand to apply for any schemes. Next, let’s take a look at the application process.
The application process for Rumah Mampu Milik Johor is relatively simple, and it only involves the following steps.
Login to your newly registered account and fill in your particulars,
Choose your desired housing schemes,
Applicants applying for RMBJ must submit their documents to the officer in charge within its promotional period. Upon successful enrolment into the schemes, applicants will be asked to vote for their desired home.
PPR applicants will be required to attend a review process instead,
Meanwhile, officers will contact those registered under Bumiputera Lots in the subsequent process.
Rumah Mampu Milik Johor – The miscellaneous
Before we go, we thought it would be fun to show you how your likely house in RMMJ would look like.
Lastly, Sistem Perumahan Johor typically publishes the places in which Rumah Mampu Milik Johor houses are built, segregated based on their respective schemes. If you would like to find out where your future houses are most likely situated, you may refer to thislink.
Rumah Mampu Milik Johor is an initiative established by the Johor government to create affordable housings for fellow Johoreans. Depending on one’s personal preference and circumstances, the initiative offers three schemes to cater for each and every individual’s unique situation to the best of its ability. As such, interested parties will find themselves spoilt with options as far as affordable housing in Johor goes. Though like with all other housing schemes, we advise applicants to do their due diligence before settling for any schemes.
I’m interested in signing up for Rumah Mampu Milik Johor, but I do not know which housing scheme suits me, where can I look up on each scheme?
Rumah Mampu Milik Johor houses three distinctive schemes under its belt – Rumah Mampu Biayai Johor (RMBJ), Bumiputera Lot and Program Perumahan Rakyat (PPR). Each scheme comes with their own criteria and conditions.
What are some of the houses offered under Rumah Mampu Milik Johor?
Applicants will have a suite of property types to choose from the initiative that they can refer to here. However, it’s important to note that regardless of property types, all houses come with the standard amenities – 3 bedrooms and 2 bathrooms.
Who is eligible for Rumah Mampu Milik Johor?
Individuals aged 18 and above, with a monthly household income <RM2,500 – RM4,000 who have lived in Johor for more than 10 years are eligible for the initiative.
I am not a Johorean, but I wish to settle down in Johor, can I still qualify for Rumah Mampu Milik Johor?
You certainly can. Though you must have resided in Johor for 10 years minimally and meet the age and household income criteria to qualify for the initiative all the same.
Where do I submit all the necessary documents for Rumah Mampu Milik Johor?
All required documents are to be submitted to the officers in charge at SUKJ.
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