Affordable Home in Penang

Penang Affordable Housing Scheme (PMM) is an effort of Penang State Government to provide quality housing with affordable prices for Penang sites. The State Government aims to provide a range of affordable homes in various strategic locations across Penang.

Eligibility

  1. All parts of the forum must be filled clearly and information provided must be truthful. Court action may be taken against applicants if information provided is proven false.
  2. This form is given free of charge.
  3. Only one application form will be accepted per individual/married couple.
  4. Only eligible applicants will be registered. Eligibility requirements are as follow:-
  1. Malaysian citizen.
  2. Penang-born and working in Penang and a registered voter in Penang or; Residing in Penang for at least 5 years from the date of application and a registered voter in Penang.
  3. Aged 21 years and above as at the date of application.
  4. Income not exceeding RM 2,500 for Low Cost (husband and wife).
  5. Income not exceeding RM 3,500 for Low Medium Cost (husband and wife).
  6. Income not exceeding RM 6,000 for Affordable Home priced at RM 200,000 (husband and wife).
  7. Income not exceeding RM 8,000 for Affordable Home priced at RM 300,000 (husband and wife).
  8. Income not exceeding RM 10,000 for Affordable Home priced at RM 400,000 (husband and wife).
  9. For Low Cost/Low Medium Cost applications, the applicant and spouse must not own any property in any state in Malaysia; For Affordable Housing applications, the applicant and spouse must not own any property in any state in Malaysia except for Low Cost Home/Low Medium Cost Home.
  1. Completed application forms must be returned to Kaunter Perumahan, Level 3, KOMTAR along with the following documents:-
  1. Copy of Identification Card (applicant and spouse)
  2. Copy of the applicant’s Marriage Certificate/Letter of Marriage Solemnisation.
  3. For widows/widowers/divorcees, please attach a copy of Death Certificate or Divorce Certificate accordingly.
  4. Copy of Identification Card and Birth Certificate of applicant’s children/dependents.
  5. For government/private employees please attach the following documents:-
  • Latest verification letter from employer/copy of statement of income including fixed monthly allowances (applicant and spouse).
  • Copy of latest EPF (KWSP) statement (applicant and spouse).
  • Confirmation from EPF Office if not contributing.
  1. For business owners, please attach the following documents:-
  • Sworn statement of latest income (applicant and spouse).
  • Copy of business registration certificate/business license.
  • Confirmation from EPF Office including for non-contributors.
  • Income Tax Form B (where applicable).
  1. For self-employed applicants, please attach the following documents:-
  • Sworn statement of latest income (applicant and spouse).
  • Confirmation from EPF Office including for non-contributors.
  • Income Tax Form B (where applicable).
  1. For unemployed applicants, please attach the following documents:-
  • Sworn statement of latest income (applicant and spouse).
  • Confirmation from EPF Office including for non-contributors.
  1. Copy of OKU Identification Card [Identity Card for Persons with Disabilities] (husband/wife and dependents if applicable).
  2. For residents of at least 5 years in Penang, please attach a verification letter from employer as evidence.
  1. In the event of a change in mailing address, this administration must be informed accordingly by filling in the address change form.
  2. Sworn Statements must be done at Government-gazetted Commissioners of Oath.

Procedure

  1. Check Eligibility

You can check your eligibility by visit the link erumah.penang.gov.my. Then, you need to print and fill up the form and submit to Komtar, Penang. Once your application has been accepted, we will contact you.

  1. Make Decision on Budget You Want

You need to make a consideration on your allocated budget. Make sure there is enough for down payment and other costs that will be incurred later such as mortgage application, moving and renovation.

  1. Housing Loan Application

Our Executives will be more than glad to assist you in selecting the best home loan from our panel banks. Upon approval of your home loan application, the issuing bank will release a Letter of Offer, which should be accepted and acknowledged by you within 14 days from the date of issue.

  1. Execution of Sales and Purchase Agreement

When you sign the Sales and Purchase Agreement and you need to pay for the balance of down payment.

  1. Inspect Your Property

Upon hand-over of Vacant Possession, proceed with on-site inspection. After the initial inspection, you have 24 months of Defect Liability Period where you can submit any defects found in writing to the developer, which will be at the developer’s own cost.

For more details and information, you may visit the link www.pmm.gov.my.