Rumah Selangorku: An Essential Guide

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What is Rumah Selangorku?

In the year 2014, Rumah Selangorku was introduced by the Selangor State Government led by the state’s very own Lembaga Perumahan dan Hartanah Selangor (LPHS). This was done to deliver affordable houses to qualifying citizens within the state of Selangor, a densely populated area with around 6.57 million inhabitants. With the skyrocketing prices of properties in a popular area as Selangor, owning a house is a huge issue for many especially, those from the average and lower economic spectrum. These groups of underprivileged people would have no choice but to live in rented units with high rental rates. When push comes to shove, they would be forced to evacuate from these rented spaces and find other means of accommodation.

Now, with the Rumah Selangorku scheme, developers of qualifying housing projects are mandated to construct a specific amount of affordable housing units with a specified house type, size, and capped selling price. The location and size of the development are taken into account when determining these aspects. These properties must align with LPHS’ aim to build quality but affordable homes hence, allowing people from underprivileged groups to own a house of their own without much hassle.

Rumah Selangorku was initiated with help from the private sector and with high hopes that it would resolve home-ownership and affordability issues in the state of Selangor — a long, withstanding dilemma. Another issue that Rumah Selangorku aims to resolve is the housing supply and demand mismatch in the market.

 

Construction of the Rumah Selangorku Houses

House Construction Challange

According to the agreement with the property developers involved, the Rumah Selangorku houses should be constructed in the first developmental phase of the housing project or simultaneously with the other residential units. Strict action would be taken against the failure to comply with this agreement. This includes the suspension of the entire development project, the building plan approval and the issuance of the certificate of fitness too. Therefore, there would be no issues such as the developers failing to meet the Rumah Selangorku quotas or the delaying of construction.

Who’s Eligible for the Rumah Selangorku Scheme?

Asian family on vacation

To own a house under the Rumah Selangorku scheme, the following are the conditions that must be met:

  1. Over 18 years of age
  2. A citizen of Malaysia
  3. A resident of Selangor
  4. Must not own property before this
  5. A maximum household income of RM 10,000
  6. Each household should only have 1 application
  7. Single applicants with dependents can apply

How to Apply for the Rumah Selangorku Scheme?

Closeup of hand with fountain pen over blank paper

Applications for the Rumah Selangorku scheme are fully-online. This means that unlike other housing schemes conducted nationally or in other states, one can’t apply through paper documentation or in person. However, these steps are very simple to follow to be on your path to be a proud homeowner.

Here’s a step-by-step guide to applying for the Rumah Selangorku scheme:

Step 1: Create an account by logging into the online portal at http://ehartanah.lphs.gov.my/lphs/www/index.php?id=4&page_id=9

Step 2: Upon signing in, some documents need to be provided to confirm your eligibility for the Rumah Selangorku scheme. These documents include:

  1. Copies of identity cards
  2. Birth certificates of children/dependents (if applicable)
  3. Copy of Marriage Certificate or similar documentation (if applicable)
  4. Confirmation letter from employer or Commissioner of Oaths for single self-employed applicants (if applicable)
  5. Payslips, bank statements, or income verification from Commissioner of Oaths (if applicable)
  6. Statutory declaration from Commission of Oaths of unemployed spouse (if applicable)
  7. EPF statement (if applicable)
  8. Copy of utility bill
  9. Credit reports such as from Central Credit Reference Information System (CCRIS) and/or from Credit Tip-Off Service (CTOS)

Step 3: Submit your application

Successful applicants of the Rumah Selangorku scheme would be contacted via email or letter to confirm their selection for a property. Please do note that the applicants are assessed based on a merit system, by comparing their eligibility criteria and potential merits.

 

Terms and Conditions of the Rumah Selangorku Scheme

The human hand fills the last missing elements of the surface from the jigsaw puzzle

Despite the flexibility that a Rumah Selangorku scheme offers, there are a few important pieces of information that one should note before applying for a house under the Rumah Selangorku scheme. This includes the fact that owners can’t sell the property within 5 years of purchase, and they can’t rent out the properties too. After 5 years, an applicant can sell the house under approval from the State Government. In regards to the applications, one must reapply after 2 years if the application is unsuccessful and applicants who turn down a house offer are deemed as an inactive applicant for 2 years. Prospective applicants are not allowed to choose the house too. This means they’ll be assigned to one by the state government by merit. It should be noted that applicants are not allowed to appeal for the rejection of their application.

 

Cons of Owning a House under the Rumah Selangorku Scheme

Pros and Cons of Franchising (As a Buyer) - Small Business Trends

With the benefits laid out clearly, one should also think of the cons before owning a house under the Rumah Selangorku scheme. This is extremely important to ensure minimal to no obstructions in one’s quest to own a house. These obstructions range from hidden costs and the general public’s perception towards houses under the Rumah Selangorku scheme. Taking into account these factors would shape one’s perspective towards applying for a house under the Rumah Selangorku scheme.

Here are the disadvantages of applying for a house under the Rumah Selangorku scheme:

 

The hidden costs of owning a Rumah Selangorku house

house model with hourglass, calculator, money and keys, real estate concept

As far as cheap house ownership programs go, it doesn’t cover the extra effort (and extra costs) from the applicant’s end. It looks good from the outside because the houses under this scheme are cheap but what about the additional costs incurred? This includes miscellaneous costs such as stamp duty for the transfer of ownership title, sale and purchase agreement (SPA) legal fees, stamping for SPA and loan agreement, SPA legal disbursement fee, loan agreement legal fee, the fee for the transfer of ownership title, government tax on legal agreements and bank processing fee for loans. The non-disclosure of additional costs as such would definitely be a huge let-down for buyers of the houses from the Rumah Selangorku scheme who might be enthralled by the pricing of the houses but eventually fail to notice these additional costs. They might as well be buying a regular house with more benefits at hand. Apart from that, successful applicants for the Rumah Selangorku scheme are no different from regular buyers. A 10% down payment of the house price is required in addition to the miscellaneous charges aforementioned. A major downside faced by buyers of this scheme would be the fact that they could not benefit from various property deals and purchase exemptions such as the stamp duty exemption. This is because the houses purchased are below RM 300,000 and this stamp exemption applies for houses within the range of RM 300,000 to RM 1,000,000.

In the long run, transportation and nearby facilities are undeniably important, especially for working individuals and families. In general, housing projects under the Rumah Selangorku scheme are placed in areas with low connectivity to major highways and public transportation. This would eventually increase the daily cost of transportation. Practically, if a successful applicant is to sell his or her house after 5 years, there is a high chance that the house might not get sold due to its location and lack of ease of access to entertainment outlets and amenities.

 

Perception of the General Public

Question mark

Although the outlook of properties under the Rumah Selangorku scheme might seem appealing to some people, many still beg to differ. The mere sound of a low-cost housing area incites various bad remarks among the general public. This includes discriminating those from low-cost houses due to its association with lack of cleanliness, people with lower education levels and people from the lower economic spectrum. Despite Rumah Selangorku houses straying far away from the narrative of low-cost houses, the public’s perception remains. Buyers of Rumah Selangorku houses would be highly attracted to the low price offered but in the long run, they might be disappointed with the fact that the house owned might not have much land value. This factor is heavily linked to the public’s perception of Rumah Selangorku houses nevertheless. The worst-case scenario would be the inability for the owners to sell the house after more than 5 years. Economically, this would stunt the financial growth of house owners under this scheme as they might not be able to own a house that’s in line with their needs.

 

Limited, Eligible Pool of Buyers

African Children's Feet

Although one of the aims of the Selangor state government is to resolve the housing supply and demand mismatch in the market, this might not come to fruition. This is because of the difficulty in obtaining buyers from the desired pool of people. Besides that, the application and sales process is extremely tedious and selective. Added on with the factor that buyers can’t choose their desired houses, a lack of interested people from the desired pool of people would be an issue. With a large number of targeted people coming from lower economic backgrounds, internet literacy might be low among them. These people might be uninterested in applying because application to this scheme is only done online unlike other schemes nationwide which prioritize both online and in-person applications. This is heavily amplified with low internet connectivity in their existing homes. As a result, many houses from this scheme are left empty years after launching them.

 

List of Properties under the Rumah Selangorku Scheme

Real estate agent giving house keys

Petaling

wdt_ID Project Name Developer Location Expected Completion Date Price (RM)
1 Affiniti Apartment Viva Paradise Sdn. Bhd. Petaling 2022 250,000
2 De Cemara Apartment @ Setia Alam Bandar Setia Alam Sdn. Bhd. Bukit Raja 2022 100,000
3 Embayu Apartment @ Damansara West Premier Baycity Sdn. Bhd. Sungai Buloh 2022 192,000 – 232,000
4 Aurora Apartment Johawaki Development Sdn. Bhd. Sungai Buloh 2021 185,000
5 Harmoni 1 Apartment @ Elmina West Sime Darby Development Sdn. Bhd. Sungai Buloh 2023 200,000 – 240,000
6 Townhouses @ Aman Putri Glomac Sdn. Bhd. Sungai Buloh 2022 150,000
7 Taman Puchong Utama Apartment Hillcrest Gardens Sdn. Bhd. Petaling 2019 195,000 – 220,000

Sepang

wdt_ID Project Name Developer Location Expected Completion Date Price (RM)
1 Idaman Residency Apartment Perbadanan Kemajuan Negeri Selangor (PKNS) Dengkil 2021 232,000
2 Rafflesia Apartment Eco Green City Sdn. Bhd. Dengkil 2021 250,000
3 Sri Suria Apartment Hectare Heights Development Sdn. Bhd. Dengkil 2021 232,000
4 Sekata Apartment Mainstay Development Sdn. Bhd. Dengkil 2019 190,000

Gombak

wdt_ID Project Name Developer Location Expected Completion Date Price (RM)
1 Seri Temenggung Apartment (Malay reserved land) Rexpoint Resources Sdn. Bhd. Gombak 2021 100,000 – 220,000

Kuala Langat

wdt_ID Project Name Developer Location Expected Completion Date Price (RM)
1 Halaman 11 Apartment Bandar Rimbayu Sdn. Bhd. Kota Kemuning In the process of APDL 42,000 – 100,000
2 Terrace homes @ Taman Langat Utama 3 SP Bahau Development Sdn. Bhd. Tanjung Dua Belas 2019 250,000

Klang

wdt_ID Project Name Developer Location Expected Completion Date Price (RM)
1 Aranda Apartment Hicom Gamuda Development Sdn. Bhd. Klang 2021 42,000 – 232,000
2 Aronia Apartment @ Bandar Parklands Gabungan Efektif Sdn. Bhd. Klang 2022 250,000
3 Kemuning Idaman Apartment Paramount Property Development Sdn. Bhd. Klang 2020 100,000 – 192,000
4 Karya Apartment Selaman Sejati Sdn. Bhd. Klang 2020 185,000

Kuala Selangor

wdt_ID Project Name Developer Location Expected Completion Date Price (RM)
1 Seri Seraya Apartment Worldwide Holdings Bhd. Ijok 2020 205,000
2 Terrace homes @ Taman Laman Permai Sejati Inti Sdn. Bhd. Hujung Permatang 2021 250,000
3 Harmony Villa terrace homes Semarak Cergas Sdn. Bhd. Kuala Selangor 2020 42,000 – 250,000
4 Terrace homes @ Taman Sungai Yu Indah Serambi Padu Sdn. Bhd. Hujung Permatang 2020 42,000 – 239,000
5 Terrace homes @ Taman Alam Suria Shah Alam 2 Sdn. Bhd. Jeram 2020 250,000
6 Townhouses @ Saujana Perdana Kelana Kualiti Sdn. Bhd. Ijok 2021 180,000

Sabak Bernam

wdt_ID Project Name Developer Location Expected Completion Date Price (RM)
1 Terrace homes @ Taman Emas Lian Soon Tiam Sdn. Bhd. Pancang Bedena 2019 220,000 – 250,000

Hulu Langat

wdt_ID Project Name Developer Location Expected Completion Date Price (RM)
1 Townhouses @ Taman Sri Tanjung 4 Fairview Development Sdn. Bhd. Semenyih 2021 180,000.00
2 Baiduri Jaya Apartment Segaman Sdn. Bhd. Semenyih 2021 195,000.00
3 Desa Budiman Apartment (Malay reserved land) Pujangga Development Sdn. Bhd. Hulu Semenyih 2024 180,000.00
4 Tiara South Apartment Kueen Lai Properties Sdn. Bhd. Semenyih 2021 180,000.00
5 Zamrud Residency Apartment Cheras Hong Soon Development Sdn. Bhd. Kajang 0 150,000.00
6 Camelia Residency Apartment Wira Cheras Development Sdn. Bhd. Cheras 0 192,000.00
7 Acacia Apartment Mayland Venue Sdn. Bhd. Semenyih 2021 220,000.00

Hulu Selangor

wdt_ID Project Name Developer Location Expected Completion Date Price (RM)
1 Iris (2-storey terrace homes) Medan Prestasi Sdn. Bhd. Serendah 2021 250,000.00
2 Terrace homes @ Taman Keruing Rasa Perbadanan Kemajuan Negeri Selangor (PKNS) Batang Kali 2019 200,000.00

Important Note: Successful applicants under this scheme would not be able to choose their desired houses.

 

FAQ

Tired of reading through long write-ups? Well, here are some helpful points in the form of frequently asked questions that might save you time.

Can I opt for a mail-based or in-person application?

No. Application for the Rumah Selangorku scheme could only be done online via the Rumah Selangorku portal.

My monthly salary is RM 1,000. Am I eligible to apply?

Yes. To apply, you’d need a maximum household income of RM 10,000.

Can my wife and I make 2 separate applications to increase our chances of getting selected for the Rumah Selangorku scheme?

Unfortunately, no. Only 1 application per household could be made. Don’t worry, though! As long as you’ve satisfied all the requirements, you’ll be in the running for a successful application.

How long would I have to wait before selling the house bought under the Rumah Selangorku scheme?

You could only sell the property within 5 years of purchase and additionally, no renting is allowed.

Can I choose the house of my choice?

No. The houses will be assigned to you by the state government by merit.

 

Conclusion

In general, the Rumah Selangorku scheme is indeed a great initiative by the Selangor state government. Hopefully, the financial gap between the poor and rich could be decreased via this scheme. It would be great to finally see the underprivileged owning a house for the betterment of their future generation. However, the Rumah Selangorku scheme still has its shortcomings that manage to deter people from buying properties under it. Addressing these issues is crucial to ensure everyone owns a place that they can call home.

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