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 泰德 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.
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:
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.
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).
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
Terms and Conditions to Apply:
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:
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.
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:
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:
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.
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:
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
Here are the supporting documents needed for the MyHome Scheme:
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.