Rumah Selangorku：基本指南

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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 affordable homes construction 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.

什么是Rumah Selangorku？

现在，通过Rumah Selangorku计划，合格住房项目的开发商被要求建造具有指定房屋类型，大小和最高售价的特定数量的经济适用住房。确定这些方面时，应考虑开发的位置和大小。这些属性必须与LPHS的目标相一致，即建设优质但价格可承受的房屋，从而使贫困群体的人们可以毫不费力地拥有自己的房屋。

Rumah Selangorku是在私营部门的帮助下发起的，并寄予厚望，希望能够解决Selangor州的房屋所有权和负担能力问题，这是一个长期而持久的难题。 Rumah Selangorku旨在解决的另一个问题是市场中的住房供需不匹配。

Construction of Rumah Selangorku Houses

根据与相关房地产开发商的协议，Rumah Selangorku房屋应在房屋项目的第一个开发阶段或与其他住宅单元同时建造。对于未能遵守本协议的行为，将采取严格的措施。这包括暂停整个开发项目，批准建筑计划以及颁发适用性证书。因此，不会出现诸如开发商未能达到Rumah Selangorku配额或延迟建设等问题。

Rumah Selangorku eligibility

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

• 超过18岁
• A citizen of Malaysia (Malaysian citizens)
• 雪兰莪州的居民
• Must not own property before this (first-time home buyers)
• Income status: A maximum household income of RM 10,000
• 每个家庭只能有1个申请
• 有受抚养人的单身申请人可以申请

Rumah Selangorku application

Rumah Selangorku计划的应用程序是完全在线的。这意味着与在国家或其他州实施的其他住房计划不同，它不能通过书面文件或亲自申请。但是，要成为自豪的房主，要遵循这些步骤非常简单。

这是申请Rumah Selangorku计划的分步指南：

步骤1：通过登录在线门户来创建一个帐户，网址为 http://ehartanah.lphs.gov.my/lphs/www/index.php?id=4&page_id=9

第2步： 登录后，需要提供一些文件以确认您是否有资格加入Rumah Selangorku计划。这些文件包括：

1. 身份证复印件
2. 儿童/家属的出生证明（如果有）
3. 结婚证书或类似文件的复印件（如果适用）
4. 雇主或誓言专员对单身自雇申请人的确认信（如果适用）
5. 誓言专员的工资单，银行对帐单或收入证明（如果适用）
6. 失业配偶宣誓委员会的法定声明（如果适用）
7. EPF声明（如果适用）
8. 水电费账单复印件
9. 信用报告，例如来自中央信用参考信息系统（CCRIS）和/或信用提示服务（CTOS）的信用报告

第三步： 提交你的申请

将通过电子邮件或信件与Rumah Selangorku计划的成功申请人联系，以确认他们选择的房产。请注意，通过比较优胜者资格标准和潜在优势，对他们进行择优评估。

Terms & Conditions for Rumah Selangorku

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 Rumah Selangorku Scheme

有了明确的好处，在根据Rumah Selangorku计划拥有房屋之前，也应该考虑缺点。这对于确保自己拥有房屋的过程中的障碍物最小或无障碍是非常重要的。这些障碍包括隐性成本和公众对Rumah Selangorku计划下房屋的认知。考虑到这些因素，将会影响人们对根据Rumah Selangorku计划申请房屋的看法。

以下是根据Rumah Selangorku计划申请房屋的不利条件：

Hidden Costs

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.

Transportation Cost

从长远来看，交通和附近的设施无疑是至关重要的，特别是对于工作的个人和家庭。通常，根据Rumah Selangorku计划进行的住房项目被放置在与主要高速公路和公共交通的连通性较低的地区。这最终将增加每日的运输成本。实际上，如果成功的申请人要在5年后出售自己的房屋，则由于房屋的位置以及难以获得娱乐场所和便利设施的缘故，房屋很有可能不会被出售。

公众的看法

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 Buyers

尽管雪兰莪州政府的目标之一是解决市场上的住房供需不匹配问题，但这可能无法实现。这是因为难以从所需的人员群中获得购买者。除此之外，申请和销售过程非常繁琐和选择性。加上购房者无法选择所需房屋的因素，所需人口中缺乏感兴趣的人将是一个问题。由于大量的目标人群来自较低的经济背景，因此他们的互联网素养可能较低。这些人可能对申请没有兴趣，因为与全国范围内优先考虑在线和面对面申请的其他计划不同，此计划的申请仅在线进行。他们现有房屋中的互联网连接不足，严重加剧了这种情况。结果，该计划中的许多房屋在推出后几年就被空置了。

List of Properties for Rumah Selangorku Scheme

八打灵

雪邦

鹅唛

瓜拉兰加特

巴生

瓜拉雪兰莪

萨巴克·伯南（Sabak Bernam）

胡鲁兰加特

葫芦雪兰莪

重要说明：根据此计划，成功的申请人将无法选择所需的房屋。

Other location of Rumah Selangorku are located in strategic location such as Bandar Puncak Alam, Bandar Saujana Putra, Alam Perdana and Tamara Residence.  There is also bigger projects like Idaman Cahaya, Idaman Sari, Idaman KITA, and Idaman Melur. More future property are coming with affordable selling price suitable for household income range.

常问问题

厌倦了长时间阅读文章？好吧，这里有一些有用的问题，这些问题以常见问题的形式出现，可以节省您的时间。

我可以选择基于邮件的应用程序还是面对面的应用程序？

不能。只能通过Rumah Selangorku门户网站在线完成Rumah Selangorku计划的申请。

我的月薪是RM 1,000。我有资格申请吗？

是的。要申请，您的最大家庭收入为RM 10,000。

我和我的妻子可以分别提出两个申请，以增加我们被选入Rumah Selangorku计划的机会吗？

抱歉不行。每个家庭只能提出1份申请。不过不要担心！只要您满足所有要求，就可以成功运行一个应用程序。

我要等多久才能卖出根据Rumah Selangorku计划购买的房屋？

您只能在购买后的5年内出售该物业，此外，不允许出租。

我可以选择自己的房子吗？

不会。州政府将按功绩将房屋分配给您。

结论

In general, the Rumah Selangorku scheme is indeed a great initiative by the 雪兰莪 州政府。希望通过该计划可以减少贫富之间的财政差距。终于看到弱势群体拥有一所房子，以改善他们的后代，这将是非常高兴的。但是，Rumah Selangorku计划仍然有其缺点，可以阻止人们购买该计划下的房地产。解决这些问题对于确保每个人都拥有一个可以打电话回家的地方至关重要。