RUMAWIP：您需要知道的所有

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什么是RUMAWIP？

RUMAWIP代表Residensi Wilayah。这是政府于2013年发起的经济适用房计划。该计划旨在帮助中低收入人群成为首次购房者。这也是一项鼓励地方当局与开发商之间合作以为马来西亚公民设计和开发经济适用房的举措。该计划有望在五年内在整个联邦领土-吉隆坡，布城和纳闽开发80,000套住房。

谁可以申请RUMAWIP？

1. 至少21岁的马来西亚公民
2. 在申请过程中在任何联邦领土出生，工作或居住，
3. 优先权给予那些在联邦领土上不拥有任何财产的人
4. 退休人员符合条款和条件
5. 个人申请人的家庭总收入每月不得超过10,000令吉
6. 已婚夫妇每月总收入不得超过15,000令吉

RUMAWIP提供什么样的经济适用房？

Currently, RUMAWIP offers three types of affordable housing, namely studio unit, two-bed unit as well as three-bed unit with strata title ownership. There are three types of properties categorised by its price respectively. The first property is a low-priced house. Low-priced house usually comes with a built-up area of 700 sq ft. The price of a low-priced house usually ranges between RM52,000 to RM63,000 depending on its location.

The second one is a medium low-priced house. It has a built-up area of 800 sq ft and the price ranges from RM63,001 to RM150,000. The third one is a medium-priced house. The built-up area is around 600 sq ft with a price of RM150,000 to RM300,000. A 10-year moratorium will be imposed where the purchased house cannot be transferred or sold to a new owner without the government’s permission. The house can only be transferred to the closest family members or heirs like spouses or children. This move is to prevent the emergence of property speculators and to ensure RUMAWIP can always serve the people who are in need.

RUMAWIP的外观如何？

RUMAWIP units sell below the market price. A parking space, three bedrooms, and two bathrooms are included in the RM300,000 units. Furthermore, common facilities such as swimming pool, gymnasium and playground are provided to the residents. The units are built with reasonable layouts with easy accessibility. It helps the low and middle-income groups of people to adopt a comfortable and relaxed life in the new homes.

所有RUMAWIP属性均带有裸机。换句话说，所有者能够根据他/她的喜好从头开始设计单元。翻新裸机比翻新转售房或更改家具齐全的房屋的设计便宜。拆除和更换东西当然会花费更多。

RUMAWIP地点

位于Setapak，黑风洞，Sentul，Cheras和Kuchai Lama的RUMAWIP是目前正在注册的RUMAWIP项目。此外，在塔曼德萨（Taman Desa）和普都（Pudu）也有RUMAWIP。

What RUMAWIP properties are open for application at the moment?

• Residensi Desa Sentralmas，塔曼·德萨
  Resetnsi Vista Saujana，塞塔帕克
• Residensi Riamas，旧巴生路
• 塞塔帕克Sky Awani V
• 塞塔帕克Pangsapuri Vista Danau Kota
• 普渡阿卡西娅禧年住宅酒店
• 塞塔帕克Sky Awani IV
• Reentnsi Minest，森图尔
• Residensi Laman Sari，黑风洞
• 库里喇嘛利利八打灵公寓
• Resetnsi Inspirasi Setapak，塞塔帕克
• Residensi Akasia Permaisuri，蕉赖
• Residensi Hektar，塞塔帕克

Examples of RUMAWIP properties

塞塔帕克Sky Awani 4，

Sky Awani 4 is one of the RUMAWIP properties located in Setapak, Kuala Lumpur. The price of Sky Awani 4 is pegged at RM300,000. Under a 35-years tenure with 90% loan repayment, the residents only need to pay RM 1,195 per month. Sky Awani 4 is no short of facilities and amenities compared to the other high-end condominiums.

Sky Awani 4 is equipped with a BBQ area, swimming pool, leisure lounge, sunken tree lounge, chit-chat lounge, fern garden, meditation deck, jogging path and etc. The residents are able to recharge themselves under a pleasant and comfy environment. Furthermore, the location of Sky Awani 4 is very strategic. AEON Mall and Giant Supermarket are within walking distance. TAR University College is only 3.7 km away. Wangsa Maju LRT Station and Sri Rampai LRT station are approximately 3.5 km away from Sky Awani 4.

Residensi Akasia Permaisuri，蕉赖

Located in Cheras’ Bandar Sri Permaisuri, Akasis Permaisuri is a residence built in the early 1980s. Residensi Akasia Permaisuri consists of one tower with a total of 200 units. Each unit comes with one carpark and is priced at RM300,000 with a built-up of 807 sq ft accommodating three rooms and two bathrooms.

With views of both the city and the lake, the residents can wake up in the morning to the sights and sounds of the city and nature right outside the windows. In addition to UKM Hospital and Taman Tasik Permaisuri, this low-density residence is nearby clinics, banks, commercial centers, and restaurants.There are many shopping malls nearby, such as AEON Maluri (3km), Sunway Velocity (4km) and Leisure Mall (7km). Most importantly, the residence is within walking distance to Cheras LRT station (300m) and Salak Selatan LRT station (1km).

普渡阿卡西娅禧年住宅酒店

Residensi Akasia Jubilee sits strategically within Pudu of Kuala Lumpur, with easy access to surrounding commercial development such as Fraser Business Park, IKEA and MyTown Cheras. Sitting on 4.9 acres of land, Residensi Akasia Jubilee consists of 494 units of affordable homes. Each unit is priced at RM300,000 with a built-up of 841 sq ft. The project is due for completion in 2024.

Residensi Akasia Jubilee is developed by UDA Holdings Berhad, one of the top ten property developers in Malaysia. Residensi Akasia Jubilee is equipped with a playground, futsal court, multipurpose area and urban farming area. Designed to accommodate urban living, Residensi Akasia Jubilee offers many options for residents to travel around. The residence is located 800m away from Chan Sow Lin LRT station and 1.2km from Hang Tuah LRT station. The convenience of public transportation helps residents to save a lot of time and commuting costs. Furthermore, the residence is 700m to SJC( C ) Sam Yoke and HELP College. Tsun Jin High School is located 1km away as well. Despite the lower prices, most of the RUMAWIP properties are located strategically in the city.

申请流程

可以在以下位置在线申请 www.residensiwilayah.kwp.gov.my/。首先，申请人应在RUMAWIP在线门户上注册个人资料并申请该计划。该门户是查找RUMAWIP主页的网关。申请人应确保正确，正确地填写电子邮件地址，因为所有申请通知都将通过电子邮件发送。成功设置配置文件后，申请人可以按项目名称，项目位置和状态搜索RUMAWIP属性。如果申请人有兴趣申请该项目，请单击“ Mohon Projek Ini”（“申请该项目”）按钮。之后，申请人必须从在线门户网站下载“ Surat Akuan Sumpah”，然后在宣誓的法官/地方法官或专员的面前签名。该认证的誓言将需要通过RUMAWIP门户与支持文件一起提交。需要准备一些文件以证明有资格申请RUMAWIP项目。所需文件如下：

1. 申请表格
2. 宣誓书
3. 申请人身份证证明
4. KWSP对帐单或所得税对帐单
5. 雇佣证明书
6. 结婚证书（如适用）
7. 银行对帐单或工资单
8. 水电费账单（地址证明）
9. 儿童出生证明（如果适用）
10. 现有财产的买卖协议副本（如果有）

提交证明文件的唯一方法是通过在线提交到RUMAWIP门户。支持文档的数字副本需要进行扫描并上传到RUMAWIP门户。保留提交的文档的纸质副本以供将来参考是一种很好的做法。

提交所有必要文件后，最后一步是彻底浏览所有个人信息。最后，可以通过单击“ Sahkan”（“验证”）按钮来验证提交。可以通过登录Residensi Wilayah Portal来检查应用程序状态。属性的分配将在特定的投票日完成。投票日必须由申请人或指定的代理人（“ wakil”）亲自出席，并应事先准备好有效的委托书。在需求量很大的开发中，申请人将随机抽取一个指定的单位编号。在需求较低的物业中，申请人可能有机会选择特定的单位。成功选拔的申请者将需要支付10%的押金。

开发商很可能会在预订单位后帮助申请人在Kementerian Wilayah Persekutuan（KWP）中进行申请。但是，这取决于申请人要申请的财产。批准申请需要两到四周的时间。在此过程中，财政部和银行可能会要求提供其他文件。因此，至关重要的是在适当的时候将文件提交给负责人。这是为了避免开发人员取消预订。申请者一次只能申请一个项目。与PR1MA的条件不同，允许申请人或其配偶将其财产作为第二套房，而在申请人或其配偶已经拥有财产的条件下，不得申请RUMAWIP。

另外，重要的是，申请人必须始终按时支付账单（汽车贷款，电话账单等）。值得注意的是，由于中央信用参考信息系统（CCRIS）或债务偿还率（DSR）的问题，RUMAWIP申请人的90%被销售代表拒绝。 CCRIS是由Negara银行创建的系统，用于将有关借款人或潜在借款人的信用信息创建到标准化的信用报告中。它根据金融机构生成的月度报告，跟踪过去12个月中借款人的贷款还款行为。 DSR是一个人的总债务与其家庭收入之比。它评估一个人处理其债务义务的能力。 DSR是银行用来确定申请人借贷能力的关键因素之一。申请人的DSR通常不应超过70%以便成功从银行借入住房贷款。

如果申请人在中途放弃该计划的任何申请，则将不再符合RUMAWIP的资格。这是因为该应用程序基于“一次性关闭”。撤回申请将导致以后不再提交。成功申请RUMAWIP单元的申请人必须向开发者支付总单价的10%保证金。该程序不提供任何资助。因此，申请人可以自由选择自己喜欢的融资方式。

马来西亚还有哪些其他负担得起的住房计划？

除了RUMAWIP，马来西亚还有几种经济适用房计划。其中包括马来西亚佩鲁马汉·彭雅瓦特·阿瓦姆（PPAM），PR1MA，我的首次置业计划（MFHS），MyHome和 我的雪兰莪之家。有关更多信息，请访问： https://www.malaysia.gov.my/portal/content/30704/.

常见问题

RUMAWIP的收入资格是什么？

个人申请人的家庭总收入每月不得超过10,000令吉。另一方面，已婚夫妇的每月总收入必须不超过15,000令吉。值得注意的是，每个家庭只会收到一份报价。

RUMAWIP申请人的其他标准是什么？

1. 至少21岁的马来西亚公民
2. 在申请过程中在任何联邦领土出生，工作或居住，
3. 优先权给予那些在联邦领土上不拥有任何财产的人
4. 退休人员符合条款和条件

我可以租用RUMAWIP单元吗？

是的。但是，该单位只能租给本地租户，而不能租给外国工人。

在RUMAWIP下我还能获得其他折扣吗？

是的。根据RUMAWIP，居民有权享受50%的水电费折扣。

我需要准备好存款吗？

成功获得RUMAWIP装置的申请人需要支付10%的押金。该程序不提供任何资助。因此，申请人可以自由选择他们偏爱的住房融资方案。

我无法获得RUMAWIP的适当资金。我在哪里可以获得购房融资？

RUMAWIP的定价上限为300,000令吉，这使买家有资格获得My First Home Scheme（SRP）。该计划允许首次购房者从参与银行获得多达110%的融资，从而无需支付首付款即可拥有房屋。

如果我被银行拒绝批准贷款，我可以退还押金吗？

是的。有了银行的贷款拒绝书和RUMAWIP的拒绝书，您将能够全额退还您的存款。

总结

RUMAWIP将成为马来西亚公民的福音。计划完善的社区有望在不久的将来成为年轻购房者的财富。 RUMAWIP的战略位置和良好的设施为其提供了更高的性价比。