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Minimum Salary for RUMAWIP?

Answer: For individuals aged 35 and below with a net salary of RM 2600 (after deducting EPF & SOCSO) and no debt or credit card usage, purchasing a RUMAWIP (now known as Residensi Wilayah Keluarga Malaysia) unit is possible if their debt service ratio (DSR) is below 60% (For RHB ONLY 65%). This falls within the DSR requirement of the My First Home Scheme, which offers 110% financing for first-time homebuyers. However, approval is still subject to the bank’s assessment.


This article aims to assist first-time homebuyers in making an informed decision regarding the purchase of a Residensi Wilayah Keluarga Malaysia (RWKM) unit, formerly known as RUMAWIP. Rather than focusing on the minimum salary required to buy a RUMAWIP, it emphasizes the importance of maintaining an acceptable debt service ratio (DSR) to qualify for a RUMAWIP purchase.

Debt Service Ratio (DSR) & My First Home Scheme:

Many RUMAWIP buyers opt for the My First Home Scheme, which provides 110% financing from banks for first-time homebuyers. For example, if Mr. Saiful, aged 35, earns a net income of RM 2,600 and intends to buy a RM 300,000 RWKM unit, his DSR based on a 35-year loan with a 4.55% interest rate would be around 55% (approximately RM 1,429.07 monthly, excluding MRTA/MLTA financing). Given that the maximum DSR limit is typically 60%, Mr. Saiful has a high chance of loan approval. However, after taking possession of the unit, he would have to pay RM 1,429 or more per month, leaving him with RM 1,171 for other expenses (unless his income increases). On average, maintenance fees for a small RUMAWIP unit measuring 800 sqft amount to RM 200. Consequently, Mr. Saiful would have approximately RM 971 left for electricity, water bills, transportation costs, and food expenses. In this scenario, proceeding with the purchase of a RUMAWIP unit may pose financial challenges. Therefore, the question to ask is “Should I buy a RUMAWIP?” rather than “What is the DSR required to buy a RUMAWIP?”.

Mortgage Payment & Renting Out Rooms:

Renting out a RUMAWIP unit is legally permitted, even within the first ten years after the Sales and Purchase Agreement is stamped. If Mr. Saiful is single, he can consider renting out the two rooms to help cover some of his mortgage payments. Similarly, if a female buyer, such as Ms. Lim, earns the same salary as Mr. Saiful, she can also rent out the two rooms to offset some of the mortgage costs. However, finding suitable tenants may be more challenging for female RUMAWIP owners due to factors such as parking availability, gender preferences, race, and location considerations.

RUMAWIP as an Investment: Gender & Rental Market:

Investing in a RUMAWIP unit for rental purposes requires careful consideration. Market dynamics, location, and individual preferences play significant roles in determining rental income potential. Factors such as the number of parking spaces, target tenants (e.g., families with single-car ownership, dating couples, single male or female tenants), proximity to public transportation, and market demand influence the viability of renting out a RUMAWIP unit.


It is crucial to evaluate various factors before deciding to buy a RUMAWIP unit. Factors such as income stability, personal needs, location preferences, and job opportunities should be taken into account. Renting before buying may be a viable option for some individuals. While owning a property may seem advantageous compared to paying rent, it is essential to consider the specific circumstances and conduct a thorough evaluation. It is worth noting that some previously completed RUMAWIP units are available for auction on platforms like iProperty, indicating potential challenges in affordability and loan repayment for certain individuals.


Owning a RUMAWIP unit is generally considered affordable for many Malaysians, especially with the availability of various job opportunities. Individuals engaged in jobs such as food deliveries and Grab driving can often manage their RUMAWIP mortgage payments. However, it is crucial to avoid excessive debt and prioritize financial stability, as sudden income loss can impact the ability to secure housing loans. With RUMAWIP units typically priced at around RM 300,000 and offering comprehensive condo facilities, they present a value deal for those seeking a residence. It is advisable to be cautious when considering cheaper RUMAWIP units priced at RM 230,000, as they may have potential building defects.


In conclusion, buying a RUMAWIP unit should be a well-researched decision that takes into account various factors. Potential buyers must conduct thorough research, considering their income, job stability, personal needs, location preferences, interior design requirements, backup plans, and the availability of parking spaces. It is recommended to consult with experienced agents from rumawip.com.my and stay updated on the latest RUMAWIP projects through channels like the RUMAWIP UPDATE telegram channel. Ultimately, the decision to purchase a RUMAWIP unit should not solely revolve around the minimum salary requirement, but rather the individual’s specific circumstances and overall suitability for Residensi Wilayah ownership.


How to buy a RUMAWIP or Residensi Wilayah?

There is various ways to owning these value buy property. One usually goes to Residensi Wilayah website and apply for one. That is usually the way but if you have tried, you may know understand that you are usually having issues submitting all the right documents, always a few step behind in getting the right unit, don’t even understand how to apply at all and totally miss the launch!

The question now is how to obtain the unit you desire and not miss out? Here are 5 steps to owning your desired RUMAWIP or known now to be Residensi Wilayah.

Steps to look out for on buying your RUMAWIP

1) CCRIS – CCRIS stands for Central Credit Reference Information System. It is a system created by Bank Negara Malaysia (BNM) which synthesizes credit information about a borrower or potential borrowers into standardized credit reports.

Rule number 1 – Pay your bills and pay it ON TIME! From the car loan to your telco bills, pay on time! To those who lend your name to others as guarantor, make sure they pay their bills! 90% applicant of RUMAWIP projects will be rejected by sales representative due to CCRIS or DSR issues.

2) Google

Always google around for the latest launches for RUMAWIP/Residensi Wilayah whether from official website from the government (usually it’s slower) or from any other source. Advertisement will start to appear in Facebook or Instagram, engage the sales person. Always ask them to send you the information on the project so that you can compare and know the relevant questions to ask! Sometimes you have to meet them, as they can only send you the information after Developers Licence and the Sales & Advertising Permit, or APDL is out. Meeting them, you stay ahead from the crowd who will rush in when the property is launch. This is very IMPORTANT for project that is First Book, First Select Basis.

3) Trust the Sales Person

He or she is the one making the commission from your purchase. Work with them, they usually ask you lots of questions as they need to know are you eligible to buy this government initiated affordable housing project? Will your loan be approved? It is their job to study all these related factors and assist you to own this property. It’s too hard for you to do it as you may not have time to do your on submission to Kementerian Wilayah Persekutuan or study every bank loan in the market as each bank have different appetite for borrowers. My First Home Scheme usually requires one DSR (Debt Service Ratio) below 60% but each bank have their own way to recognize ones income. Do not argue with the Sales Person when he/she keep asking you questions, as it actually save you time or even prepare you to own the unit now or the future. A pro sales person should handle all paper work for you! Even though you may have studied on the DSR calculation, have faith in the sales person more than your own research because they are the ones consistently dealing with the mortgage personnel, they may not know everything but definitely in a better position to advise you on the loan. They will be updated on any changes on net income recognition where you won’t be. Bank scorecard is something very secretive too, that will definitely affect the approval for the housing loan. It takes lots of experience to know which bank to apply for the housing loan to have the highest chance of approval and to obtain the lowest rate. If you are not aware of all these variables, you may write off the sales person opinion and he or she will not confront you as they will be afraid to offend you. Conclusion : Have faith with the person you are dealing with! (If one can’t simply answer most of your questions, then you may seek another person to serve you & if he or she simply ask you to do everything yourself RUN away as you may lose your booking fee when you fail to get all the paper work done on time!)

4) Pay Safe

Every project has different approach in the booking procedure. On paying the booking fee is the most sought after question with buyers. Well on this matter, GOOGLE the developer name when you are presented the HDA bank account for booking fee (not easy to duplicate) and call the office to double verify if you are really worried. Pay as soon as you are sure, especially when the project allow you to select the unit you desire! For balloting, you probably have more time to check before placing booking. Never bank into an individual name for booking fee! On project that does not need booking fee, you probably need to submit your personal documents to the sales person. Cross it the documents WITHOUT blocking the information, with Project Name for eg. Sky Awani V Application Only, to prevent scammers from using your documents for fraudulent purposes.

5) Be Fast

There is a timeframe for every project on reserving a unit. Do not delay in providing your documents for the sales person if he or she is assisting you to apply for approval from Kementerian Wilayah Persekutuan or to the banker preparing your housing loan. The government can take 2-4 weeks for approval, and may request for more supporting documents so is the bank too. These may delay you and may cause your booking to be cancel by developer.


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10 Reasons First Time House Buyer Choose RUMAWIP

1) MUST BE 1ST TIME HOUSE BUYER – Unlike PR1MA condition, applicant or his/her spouse is allow to apply this as a second home, in other words it is wiser to choose a RUMAWIP over a PR1MA property given the choice when you purchase your first house. One can’t purchase a RUMAWIP when applicant or spouse own a property.

2) All RUMAWIP property are usually comes a bare unit. That enable the you to be able to design the unit almost from scratch. One can decide on the kitchen design on whether to add on an oven (you need 4 mm wiring and to conceal this in a bare unit is achievable) to the type of wardrobe whether build in or plug n play; one can choose. In Malaysia, we all need air conditioner 24/7 and choosing an inverter AC is going to save you money. Inverter air conditioner, the speed of the compressor varies to ensure energy efficient operations and precise cooling or heating as required which save 30-50% electricity consumption. Not only that, when an AC compressor is able to adjust itself according to the need of the room temperature it prolongs its lifespan (efficient) just like if your smartphone is always heating up like my Nexus 6P; it burnout faster.

3) Buying a RUMAWIP which is an affordable housing for moderate and low income earners who live and work at Wilayah Persekutuan, cost will always be in consideration before making any decision. Renovating a bare unit is far more cheaper than renovating a sub sale house or changing the design a fully furnish new property as removing things and replacing it definitely cost more. One can take up this opportunity in Hong Leong Bank with a 6% flat interest rate to renovate your home (lowest in the market) as OCBC no longer offer Renovation & Refurbishment Loan as far as I know. With a mortgage payment that is cheaper than the rental in the same area; additional monthly repayment for a renovation loan is obviously more preferable compare to paying rental which in in end you are just paying for someone else property.

4) You get to choose and make sure you are buying a RUMAWIP that is of a residential title (50% cheaper utilities bills) ! With a low mortgage payment and cheaper utilities bill, renovating your first house into your dream home is easily achievable! In my opinion Skyworld Sky Awani 3 is one of the best choice one can make.

5) Have you went for Adrian Wee Real Estate Course? One thing he teaches is property doubles its value every ten years. For Eg, you bought Sky Awani 3 for 300k and monthy repayment is of RM 1,500 average. 10 years down the road; it’s value usually rise to 600k. What if Adrian is wrong? It went only to 450k! You can refinance it for say 70% and that is 315k! Whether it’s for the kids college fund or another investment; it’s up to you! Or do you choose to save that money using your monthly salary?

6) Rental income? Yes if only you are moving away from the city to work or your business is relocating. The beautiful thing about this is, it only can be rented by Malaysians. Therefore we can conclude that a RUMAWIP will never be a run down residential filled with drug dealings or any kind of vice activities.

7) Balloting? Nope not all are through balloting, Skyworld Sky Awani Series is through selection. Whether is at the top floor or the bottom, facing east or west is totally up to you!

8) Low class? Nope! Skyworld Sky Awani 3 won 3 Award, it is even equip with a roof garden which most RUMAWIP or PR1MA won’t come close to having one. Sky Awani 4 is with a viewing deck.

9) Lack money for deposit? RUMAWIP pricing is cap at RM300,000 which qualify you for My First Home Scheme in other words 100% financing from bank.

10) Loan approval concern? Property like Sky Awani 3, with two loan rejection letter or rejection from the RUMAWIP authority; you will get a full refund for your deposit!

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