TEDUH: One-Stop Centre for Housing Schemes

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See also: Rumah PPR and PPRT: A Beginner’s Guide

An Introduction to TEDUH

With the ever-growing property scene in Malaysia, finding a property and the details about those properties could be a daunting task to many prospective home buyers out there. The pricing, location and developers could be easy details to search for online. But how about the application process for various housing schemes offered by the government? Isn’t there a separate agency to deal with this?

Well, this is where TEDUH comes in. TEDUH is a portal that features information and functions regarding private and public housing programs as well as housing programs pertaining to these housing projects. The National Housing Management System or better known as SPRN is a module in TEDUH which functions as a one-stop centre for individuals who desire to apply for a housing program under the purview of The Ministry of Housing and Local Government (KPKT).

In short, TEDUH is a government initiative under the National Housing Department and The Ministry of Housing and Local Government to provide an official channel in giving housing information to the citizens, governmental organizations, specialized bodies and private land developers. 

 

Roles of TEDUH

Delving deeper into the roles of TEDUH’s website, it’s actually a portal that features information about the projects and public and private housing programs in Malaysia. TEDUH brings together 3 of its main roles into the convenience of a singular website. These 3 roles are:

 

1. the percentage of construction progress, updated by the developers
2. a one-stop centre for finding public housing projects
3. a site for finding private housing developers

 

These roles are essential and extremely fundamental for the purview of buyers to prevent themselves from being tricked into any fraudulent scams, or simply, to give an insight into the property development scene in Malaysia. Since this website functions as the ultimate guide to know the construction progress of a housing project, this would enable prospective buyers to plan out their finances and personal timeline in buying a property especially, after knowing the percentage of construction progress.

The credibility of the housing developers would also be assured especially, once those developers are listed on the TEDUH website. Since this website is handled by the National Housing Department, each housing project under their purview would meet the requirements of the department itself. 

 

Roles of the National Housing Department (JPN)

Apart from the roles of TEDUH, it is definitely important to know the roles of the National Housing Department. This is essential to ensure that a prospective buyer is well-informed of the roles of the department itself to deal with any form of problems arising from the properties listed on the TEDUH website.

For starters, the National Housing Department (JPN) is a department under The Ministry of Housing and Local Government (KPKT). This department plays an important role in ensuring the development of houses are of quality and perfectly planned — ensuring the houses could be enjoyed by people from different walks of life.

JPN also acts as a regulatory board by monitoring and making sure that private development projects adhere to the Akta Pemajuan Perumahan (Kawalan dan Perlesenan) 1966 [Akta 118]. They are also in charge of processing and approving the Lesen Pemajuan Perumahan & Permit Iklan dan Jualan (APDL) to the private housing developers as well as observing all the licensed private housing projects right until the project has been completed and handed over to the buyers according to the duration stipulated in the Sales and Purchase Agreement (SPA). 

JPN also offers housing schemes and these are the Program Perumahan Rakyat Disewa (PPR Disewa), Program Perumahan Rakyat Dimiliki (PPR Dimiliki), Skim Perumahan Pinjaman (SPP) and the Rumah Transit (RT).

 

A Brief Guide on the National Housing Department’s (JPN) Schemes

 

1. Program Perumahan Rakyat Disewa (PPR Disewa and PPR Dimiliki)

Picture courtesy of Malaysiakini

This programme is an initiative by the government to relocate the citizens living in squatters to better housing projects and to fulfil the housing needs of people from the lower-income spectrum. Both the rented PPR projects and owned PPR projects nationwide are under the purview of the National Housing Department (JPN).

Alongside The Ministry of Housing and Local Government, these 2 agencies execute the PPR projects throughout the nation. Each house built under both the rented and owned PPR programmes would use a set of specifications, for the planning and design of the low-cost homes.

These specifications are standardized and set in the National Housing Standards For Low Cost Housing Flats (CIS2) (Standard Perumahan Kebangsaan Bagi Perumahan Kos Rendah Rumah Pangsa (CIS2)). 

The rented PPR project was introduced in February 2002 to rent houses to a specific target group (low-income groups and squatters) at a rate of RM 124.00 per month. Apart from that, the owned PPR projects were established to enable people from lower-income groups to own their own house.

The owned PPR houses are priced at RM 35,000 per unit for houses located in Peninsular Malaysia whereas the houses in Sabah and Sarawak are priced at RM 42,000 each. 

 

The Specifications of the Rented and Owned PPR Projects

 

• Urban cities: Apartments ranging from 5 to 18 floors
• Suburban Areas: Terrace houses
• Area of the house: Not less than 700 square feet
• Structure: 3 bedrooms, 1 living room, 1 kitchen, 2 bathrooms
• Basic Facilities: Community hall, surau, stalls, kindergarten, facilities for OKU, playground, garbage house

 

Terms and Conditions to Apply: 

• Must be a Malaysian citizen
• Must be aged 18 years old and above 
• Have a total household income of RM 3000 per month. 
• Both the applicant and the spouse should not own a house
• Must adhere to the additional rules set by the State Government

 

2. Skim Pinjaman Perumahan (SPP)

The Skim Pinjaman Perumahan (SPP) is handled via a trust fund known as the Kumpulan Wang Amanah Pinjaman Perumahan Bagi Golongan Berpendapatan Rendah. This was approved on the 17th of December 1975 under the Akta Acara Kewangan 1957 (pindaan 1972) and was implemented in 1976.

The SPP was established to provide loan services to people from the lower-income spectrum that has yet to own their own house. Through this scheme, the government could provide help to these vulnerable groups in enabling them to own a house of their own. This would effectively improve the standard of living of this particular group. 

 

Terms and Conditions of the SPP:

• The applicant and spouse should be Malaysian
• The applicant should between 21 to 70 years old
• Must be employed and have an income
• Not a government worker or retired (including the spouse)
• The applicant and the spouse should not own a house yet
• The total gross income of the household should be between RM 1,000 till RM 3,000 per month
• The applicant should own land or inherit a land of an immediate family member
• The maximum loan amount is RM 60,000.00 (not including insurance coverage)
• There would be a service charge of 2% towards the loan
• The applicant should take the insurance coverage provided by the Insurance Panel, under the National Housing Department.

 

Terms of the 2nd Generation Loan

This is applicable for applicants aged between 45 and 70 years old with the condition that the nominee should be aged between 21 and 35 years old, with a minimum salary of RM 1000 and not a government worker. The insurance coverage would only be applicable for the second generation only. The second generation should consist of the biological child of the applicant. 

 

Land Collateral Requirements

This is done to secure the land belonging to the borrower or land belonging to an immediate family member with the written permission of the landowner.

1. The land value (based on the evaluation done by the Valuation & Property Services Department) is secured not less than the loan amount.
2. For the leasehold lands, the remaining lease tenure would have to be at least 40 years and the applicant should obtain permission to secure the land from the State Authority

 

The Requirements to Build a House

For a low-cost house, the built-up size should be at least 700 square feet and at most 1000 square feet. Besides that, it should comprise at least 3 bedrooms, 2 bathrooms, 1 living room and a kitchen. 

Below are the requirements:

1. The applicant is only required to choose from the house plans provided by the National Housing Department (JPN)
2. The applicant should not use a self-made housing plan
3. The applicant must get the approval of the house plan from the Local Authority (PBT) if applicable. 
4. The appointment of a contractor would be handled by the borrower and the contractor should be a local contractor according to the DUN area, should have a valid company registration or a CIDB registration certificate, should have an adequate source of income with a minimum amount of RM 5,000 and the contractor should also be specialized in the construction field. 

 

3. Rumah Transit (RT)

The Rumah Transit (RT) or Transit Homes program serves as temporary accommodation for the usage of Federal and State Civil Servants. These are the requirements to obtain a Transit Home:

 

1. Could be used by newly appointed officers to the civil service while waiting for their official placement
2. Could be used by civil servants who are recently promoted or transferred while waiting to get approval for government quarters or a rental place
3. Could be used by  civil servants during official outstation trips
4. Could be used as accommodation for participants in an official programme organized by Ministries/Departments/Government Agencies 
5. Could be used as an accommodation for the visiting families of the civil servants who are working in Putrajaya
6. Could be used as temporary accommodation for the government quarters occupants who can’t stay in their quarters due to massive repair work or disasters such as floods or fires. 

 

This program would only be applicable for couples, meeting the above requirements and are aged between 18 and 30 years old. This program is concentrated in big cities to reduce the burden of these young couples that are from a low-income group. The houses are rented out at a rate of RM 250.00 per month for 2 years. The tenants would be given a notice 6 months prior to the end of the contract to move out from the house. 

 

4. MyHome Scheme

The MyHome scheme offers an incentive up to a value of RM 30,000 per unit. This gives benefits to the house buyers and the developers of private housing projects. 

Below are the requirements of applying for the MyHome Scheme:

 

1. Must be a Malaysian citizen
2. Must be aged 21 years old and above
3. Must not have owned a house prior to this. This applies to both the applicant and the spouse.
4. Total household income should be less than RM 10,000. 

 

Guidelines to Apply to the National Housing Department’s (JPN) Schemes via TEDUH

Applying to the schemes offered under the National Housing Department’s (JPN) schemes could be a tad bit stressful. However, with the TEDUH website, the application process would be much easier — with 7 simple steps. It should be noted that manual applications are not allowed. Instead, the applications would be done online via the TEDUH website

 

1. Register for an SPRN account
2. Log into the SPRN account
3. Choose the desired scheme according to the eligibility
4. Complete the applicant’s information page
5. Choose the project
6. Upload the supporting documents
7. Send your Application

 

Here are the supporting documents needed for the MyHome Scheme:

 

1. A copy of the applicant’s and the spouse’s identification card 
2. A copy of the marriage certificate (if applicable)
3. A copy of the applicant’s OKU card (if applicable)
4. A copy of the applicant’s self-employed affidavit 
5. A copy of the applicant’s employer confirmation letter
6. A copy of the applicant’s latest payslip
7. A copy of the applicant’s KWSP slip or the income tax slip
8. A copy of the applicant’s retirement letter (if applicable)
9. A copy of the applicant’s and the spouse’s Central Credit Reference Information System 

 

Frequently Asked Questions (FAQ)

What is TEDUH? 

TEDUH is the main portal that features information about public and private housing projects and programs nationwide. 

What are the schemes offered by SPRN?

The schemes offered are MyHome, PPR (Owned and rented), Transit Houses (Rumah Transit) and the SPP schemes. 

What is the rental rate of the PPR houses?

The rental rate of the PPR houses are RM 124.00 per month

What is the rental rate of the Transit Houses (Rumah Transit)?

The rental rate of the Transit Houses (Rumah Transit) is RM 250.00 per month. 

What is the loan limit for the SPP scheme?

The loan limit for the SPP scheme is RM 60,000 with a total payment tenure of up to 35 years.