No Comments


scammer noun[ C ]   informalUK  /ˈskæm.ər/ US  /ˈskæm.ɚ/  someone who makes money using illegalmethodsespecially by trickingpeople



YB Dato’ Seri Dr. Shahidan bin Kassim, Menteri Wilayah Persekutuan telah menjenamakan semula Residensi Wilayah sebagai Residensi Wilayah Keluarga Malaysia (RWKM) semasa sesi Perbahasan Titah Diraja di Dewan Negara pada 11 Oktober 2021. Keputusan ini selari dengan konsep ‘Keluarga Malaysia’ yang menekankan kepentingan keluarga sebagai institusi terkecil terpenting dalam membina masyarakat. Penjenamaan ini menggambarkan kepentingan pemilikan sebuah kediaman yang selesa dalam pembentukan kesejahteraan sesebuah keluarga &

No Comments

Residensi Wilayah Application Manual

Apply Residensi Wilayah


Residensi Wilayah Portal

User Manual 1

CONTENTS 1. INTRODUCTION ……………………………………….. ………………………………………….. … 2


3. APPLICANT PROFILE / PROFILE UPDATE ……………………………………. ………… 7

3.1. Personal …………………………………………. ………………………………………….. …….. 8

3.2. Occupation …………………………………………. ………………………………………….. … 10

3.3. Couple …………………………………………. ………………………………………….. … 12

3.4. Couples Work ………………………………………… ………………………………. 13

3.5. Children …………………………………………. ………………………………………….. ………… 15

3.6. Property Details ………………………………………… …………………………………………. 17

3.8. Validation …………………………………………. …………………………………………. 18

4. PROJECT APPLICATION ………………………………………. ………………………………. 19

4.1. Project Screening ………………………………………… ………………………………………. 20

4.2. Apply for a Project ………………………………………. .. ………………………………………… 21

5. DOWNLOAD DOCUMENTS ………………………………………. …………………………… 23

1. INTRODUCTION a. Residency Territories are a government entity below Ministry of Federal Territories in charge of provides online services for home applications in the vicinity Federal Territory.

b. The main users of this portal are the general public regulated by Kuala Lumpur City Hall (DBKL) and Ministry of Federal Territories (KWP) for supply works and reporting.

c. The following is an overview of the Residensi Wilayah Portal interface after you are browsing the website


a. Browse the Regional Residence Portal by entering the following URL address in a web browser: b. At the top right of the portal page, click the ‘Register’ button or click thebutton ‘Register Account’ in the middle right of the portal page.

c. After reading the guidelines and eligibility requirements, click the ‘I Am Eligible’ button’

d. On the account registration form page, in the ‘Eligibility’ section, tap on the ‘I have read and agree to the terms’ box mentioned above. I confirm that I meet all Eligibility Requirements set by the Residensi Wilayah ‘.

e. On the account registration form, in box No. Identity Card (New) try enter an identity card number that exceeds 12 characters.

f. On the next page, fill in the required information completely use the example information below and click the Register button.

i. No. Identity Card: 86116XXXXXX

ii. Password: [email protected]

iii. Repeat password: [email protected]

iv. Citizenship: Citizen. v. Email: [email protected]

vi. Marital Status: Married (if any)

vii. Gross Household Income: 20000 viii. Residence Postcode: 09300

ix. Workplace Postcode: 09300

x. Click Subscribe for news related to Regional Residence (if necessary)

g. Once the Register button is pressed, if the registration is successful, you will be taken to a personal profile account.

h. In the user account view, click the icon at the top right of your screen and click Log Out. i. To return to the main page, click the Sign In button at the top right of your screen or click “Sign In” in the center right of the screen.

h. In the user account view, click the icon at the top right of your screen and click Log Out. i. To return to the main page, click the Sign In button at the top right of your screen or click “Sign In” in the center right of the screen.

j. Select Applicant, enter identity card number and password that you use during registration in the box provided. Click Login.


a. Browse the Residensi Wilayah Portal by entering the following URL address in a web browser:

b. Click sign in.

c. On the login page, users are required to enter identity card number and Password that have been set during registration and press login.

d. The User Profile view is displayed.

e. Click on the applicant’s profile in the menu on the right.

3.1. Profile

a. Fill in all the required information. If there is a * symbol on profile filling field, you MUST fill in the information (MANDATORY). However, if the * sign is not displayed, you are allowed to clear that information otherwise concerned.

b. By default information such as Identity Card No., Date of Birth, age and the postcode was filled in automatically through the system. Although however you can still amend the information except No Identification card.

c. Applicants are required to fill in all fields for a residential address. On mailing address field if the same as the residential address, the applicant can click on the ‘Same as residential address’ checkbox and automatically the residential address will be copied to the mailing address.

d. If the applicant presses the YES button in the ‘Are you People with Disabilities (OKU) ‘, the applicant needs to choose the type of disability.

e. Press ‘Save and Continue’ when you have finished filling in the information.

3.2. Occupation

a. The job information display is displayed. If the applicant chooses a job:

i. Government

ii. Private

iii. Statutory body

iv. Self-employed

b. Applicants MUST fill in all fields displayed. The display can be referenced as below:

c. If the applicant chooses Employment as a Retiree, the applicant only required to fill in the fields:

i. Total gross income (Monthly)

ii. Period of work / study / residency in the Federal Territory

d. Refer to the picture below:

e. If the applicant chooses a job as a student, the applicant REQUIRED to fill in details such as:

i. The name of the place of study

ii. The address of the place of study

iii. Period of work / study / residency in the Federal Territory

f. Refer to the picture below:

g. If the applicant chooses the job as not working, the applicant no need to fill in job -related information.

h. Refer to the picture below:

i. Click ‘Save and Continue’ when you have completed the job information.

3.3. Couple

a. If the applicant fills in the marital status in personal details, the wedding tab will be displayed and the applicant MUST fill in the information couple.

b. Reminder if there is a * symbol in the profile field, you MUST fill in the information (MANDATORY). Although however, if the * sign is not displayed, you are allowed to clear that information if not applicable.

c. Refer to the picture below:

d. If the applicant chooses citizenship for the spouse is Citizens, a spouse’s identity card field will be displayed to be filled. However, if the applicant chooses not citizen, passport field will be displayed.

e. In the Current Residential Address section, if the spouse lives together, the applicant can directly click the ‘Address same as address’ checkbox applicants’ and the system will copy the address as filled in by previous applicant.

f. However, if the address is different, the applicant MUST fill in the address couple as requested.

3.4. Couples Work a. The job information display is displayed. If the Spouse chooses occupation:

i. Government

ii. Private

iii. Statutory body

iv. Self-employed

b. Applicants MUST fill in all fields displayed. Display can be referred to as below:

c. If the applicant chooses Spouse Employment as a Retiree, applicants are only required to fill in the fields:

i. Total gross income (Monthly)

ii. Period of work / study / residency in the Federal Territory

d. Refer to the picture below:

e. If the applicant chooses a spouse’s job as a student, the applicant is REQUIRED to fill in details such as:

i. The name of the place of study

ii. The address of the place of study

iii. Period of work / study / residency in the Federal Territory

f. Refer to the picture below:

g. If the applicant chooses the spouse’s job as unemployed, the applicant does not need to fill in job -related information. h. Refer to the picture below:

i. Click ‘Save and Continue’ when you have completed the job information couple.

3.5. Son

a. Applicants MUST fill in all fields for child information if choosing to have children on the personal application form.

b. Date of birth and age information will be generated automatically based on MYKID information.

c. If the applicant’s child is less than a year old, the system will display information LESS THAN 1 YEAR. But if more from a year, the system will display the age by year.

d. Refer to the picture below:

e. If the applicant has more than one child, the applicant can add child information by pressing the Add Child button in the upper right.

f. Refer to the picture below:

j. Fill in the information for the second child as applied to the child first. If the depressed applicant accidentally adds a child, the applicant can delete by pressing the delete button as is shown in the image below.

k. Repeat this step if the child is more than one. After done, press the ‘Save and Continue’ button.

3.6. Property Details

a. The applicant MUST confirm the details of the property. If the applicant choose no, no property detail information is displayed and the applicant can press the ‘Save and Continue’ button to continue the application.

b. Refer to the picture below.

c. However if the applicant selects YES in the property details, the applicant must select the type of residence and residential address. Refer to the picture below.

d. If the applicant has more than one residence, the applicant can press the Add button as pictured below.

e. If the applicant mistakenly presses the Add button, the applicant can delete the relevant information as shown in the picture in down. Upon completion, the applicant needs to press the ‘Save and’ button Proceed ‘.

3.7. Other information

a. Applicants are REQUIRED to fill in the status of occupied residence now as well as rental rates if renting/quarters.

b. If the applicant does not pay the rental rate, the applicant must enter a value of 0.00 or ignore the ‘If renting/quarters’ field state the monthly rent (RM) ‘.

c. Upon completion, the applicant will need to press the ‘Save and Continue’ button.

3.8. Validation

a. Once the applicant fills in all the required information, the display application confirmation will be displayed.

b. Applicants MUST read all the information filled. If no problem, the applicant needs to press the confirm checkbox the request made is correct.

c. Applicants will need to press the ‘Confirm’ button to complete the update profile.


a. Browse the Regional Residence Portal by entering the following URL address at web browser:

b. Click Login.

c. On the login page, users are required to enter the Identity Card number and Password that have been set during registration.

d. The user profile will be displayed. Click on the project menu or information has green text marked in red.

4.1. Project Filtering

a. Applicants can filter projects by entering a project name search, residency location and project status.

b. Applicants should press for any project of interest. Only ONE only applications can be made in each application.

4.2. Apply for a Project

a. Detailed information for the selected project will be displayed. Applicants need to read all the information related to the project before pressing project request button.

b. Applicants can also download the brochure by pressing the download button download the brochure as shown in the picture above.

c. If the applicant is really interested, then he can apply for the project by pressing the Apply This Project button.

d. Applicants can select the desired type of residential category. As for example, select Type B.

e. After pressing the residence option, the selection display will change to color green and only then can the applicant press the Apply For This Residence button.

f. Once the application is made, the status of the project applied for will change to incomplete and applicants need to upload documents prior to the process the application becomes complete.


a. Browse the Regional Residence Portal by entering the following URL address at web browser:

b. Click Login.

c. On the login page, users are required to enter the Card No. Identification and Password that have been set during registration.

d. On the Applicant Dashboard page, applicants can view projects that have been applied with an ‘Incomplete Application Status’ warning.

e. Under the application status, click the ‘Click here to upload’ link document. ‘You can also click on the’ Upload Document ‘link in the side menu.

f. Press ‘Choose File’ for any document in the list.

g. Select any file in a format other than jpeg, png, or pdf (example: file formatted .docx). Then, click the Save button.

h. On any document, click the ‘Show’ button.

i. On any document, click the ‘Download’ button if you want to download document or delete to delete it.

j. Re -upload the deleted file in step

4.7. Then, click on box ‘I confirm all documents uploaded are correct. I can be prosecuted and fined if the information provided is fake. And all my applications can be withdrawn or canceled. ‘ Next, click the Confirm button.

No Comments

10 Pros & Cons in Buying a RUMAWIP / Residensi Wilayah


1) Low Upfront

  • Most of the RUMAWIP / Residensi Wilayah buyers are first time house buyer which is eligible to apply for My First Home Scheme which is 110% financing for the first home provided applicant salary is RM 5,000 and below, which the regulation Bank Islam and MBSB can DISREGARD (if they were in the panel for the project). The Full Stamp Duty Exemption will last until 31 December 2025, so the question is will you need to pay for the S&P Agreement & the loan disbursement charges to the lawyer? If it is free, you are basically paying nothing upfront to get your first house!

2) Low Monthly Payment

  • The monthly payment of the RM 300,000 for 35 years based on the interest rates of 3.05% is RM 1162.94. When you include the MRTA or MLTA, it add up to RM 1200-1300. The average maintenance fee will be RM 250. We are talking about the average of RM 1550 monthly to own a brand new house which renting a 3 bedroom 2 bathrom condominium will easily cost as much as this!

3) Demographic

  • Many dream to have their landed dream home, prime location, gated and guarded but reality is few can afford one. The next best thing is to have a minimum 2 to 3 tier security in a condominium with like minded people. RUMAWIP or Residensi Wilayah occupants are all Malaysians, at least for the first 7 years after hand over.

4) Urban Area

  • Compared to many Government Initiative, RUMAWIP or Residensi Wilayah is always located in the urban area, Wilayah Persekutuan. It is never situated in Bangi, Serdang or Kajang which is truly far away from where the job opportunities are.

5) Basic Condo Facilities

  • One of the requirement for RUMAWIP or Residensi Wilayah is to have basic condominium facilities but is is NOT compulsory to have a gym or a swimming pool. The fact is due to the fierce competition between property developers, MOST RMP OR RW usually have either a swimming pool or a gym and often include both.

6) Recession & Capital Appreciation

Due to the Covid-19 pandemic, the typical Malaysian investing mindset of buying a nice mid range property and flip in after 10 years to earn from the capital appreciation is really risky. Renting is actually a good option but was never an asian way to start a family. So buying this RM 300,000 project can be the next best thing because if you are not staying in it, you can rent it out legally (to Malaysians within 10 years after S&P stamped) to cover your monthly payment or partially wouldn’t be too bad.

7) Rental Income as Backup Plan

  • An experience investor once taught, to buy where you want to invest but rent where you want to stay! There is wisdom in this saying but sadly not many understand the logic of it. The reason for this saying is , you may not want to stay where you buy in the future due to change of jobs, spouse preference, children’s school location and etc. As for owning a RMW / RW, you may even earn a profit from your rental income if the location of your property’s demand is high, just in case you regret your purchase.

8) Relax Regulations

  • One must not own a property in Wilayah Persekutuan in order to purchase a RMW / RW! But do you know if you inherited a property in Wilayah Persekutuan from your parents, YOU’RE ELIGIBLE TO APPLY FOR A RUMAWIP / RESIDENSI WILAYAH PROJECT LEGALLY!


  • After the rebranding to Residensi Wilayah, Quality Assessment System for Building Construction Works or QLASSIC by CIDB (Construction Industry Development Board) is compulsory for all RUMAWIP / Residensi Wilayah Project. This put a limit on many cost cutting action the property developer can take and guarantee an acceptable standard on the project itself.

10) Only for Government Servant (LPPSA & Bank Islam)

  • Many government servant opt to purchase a RMW/RW due to the attractiveness of the package; by using LPPSA (Lembaga Pembiayaan Perumahan Sektor Awam). Due to the nature of the pricing of this government initiative, RM 300,000 or below ; public servant on the lower side of income can easily get the approval for the housing loan and plus Bank Islam is able to top up the remaining sum if the LPPSA fail to grant the full amount (subject to T&C).


1) Bare Unit

  • The RUMAWIP / Residensi Wilayah unit need a lot of renovation. Firstly you are provided two A/C supply (Master Bedroom & Living Hall), there you need to add two more into Bedroom 2 & 3. After you have to purchase 4 Air Conditioner. The kitchen sink provided it the basic metal type which most Malaysian would love to replace accompanied with a kitchen cabinet. As for the two toilet, you are provided with one power supply for the water heater which means you need to add on another for the second toilet unless your kids don’t mind to take a cold shower all the time. After this, you will have to purchase two water heater preferably with a pump to make guarantee good water pressure. When all the electrical done, you will need to install a plaster ceiling to cover up all the wiring works. Then we move to purchasing the down lights, furniture and etc. Your move in cost is at least RM 10,000 minimum.

2) Parking Lot

  • You are given one parking lot. You may have two cars and to purchase the second parking lot is subject to availability of the particular RMW/RW project. As most of the project is RM 300,000, and the policy states that this is the ceiling price; you can’t finance this into the housing loan which leave you with two choice. Your own cash reserve or withdraw from EPF account 2 if you have it. The average price is from RM 15,000 to RM 18,000.

3) Road Congestion

  • Most RMW/RW buyer will only have one parking lot. Do imagine the road outside your future residence!

4) Room Rental (Future)

  • Due to the pandemic which will result in probably the biggest recession the world have seen, room rental maybe a popular choice for many due to the financial restrain. If you opt to rent out your unit, firstly you most probably can market to bikers due to the lack of parking space and you are NOT allow to rent out to foreigners.

5) Slow Moving

  • Due to the nature of higher density compared to a normal residential project, when you opt to rent it out; generally it will take a longer time. Especially if the project is a mix development with another higher range condominium which is common. That is one way how the developer gets the land by offering to build an affordable housing project like RUMAWIP / Residensi Wilayah.

6) Size

  • The new regulation states that the size should be 900 sqft to 1000 sqft. Most project available till now was probably approve before this new policy kicks in. The average size for all RMW/RW is 850 sqft which is consider really small.

7) House Flipping

  • You can only sell the property 10 years after your S&P is stamped.

8) Progressive Payment

  • You start paying within months after your purchase. The amount will gradually go up when the construction progress, it may be low but it is still something you have to consider. There is NO DISCOUNT for RUMAWIP / Residensi Wilayah projects as it is always sold below market value.

9) Recession & Divorce

  • This recession will result in rise in divorce cases. If this happen in first ten years after signing S&P, your only option is to rent it out. It will be a real unpleasant experience when you are not able to just sell off the property.


  • The prime location for RUMAWIP / Residensi Wilayah project is like a MEGA SALE. Certain location like Bangsar South, Bukit Jalil, Jalan Kelang Lama, Cheras or Kepong can be sold out within weeks, you don’t have the luxury to take your time to think about it. By subscribing to the update HERE you have a better chance to stay ahead. (if there is no pop up to enter your email or contact number, turn on incognito mode)


Due to the pandemic, the margin of profit for a project is reduce significantly. A residential project profit margin is average at 30% and taking in consideration at in 2020 there is only 4.1% our of all new residential property is QLASSIC certified, we can conclude that a RUMAWIP or Residensi Wilayah project will be the best deal in the market as developer WILL NOT HESITATE to cut the cost of construction on all projects mainly on those projects which did not apply for the Quality Assessment System for Building Construction Works or QLASSIC by CIDB (Construction Industry Development Board). The compulsion for all RUMAWIP or Residensi Wilayah to obtain QLASSIC Certification should be the deciding factor over choosing property that is RM 400,000 – RM 500,000 (may not be QLASSIC Certified) which may not guarantee the bang for the bucks! No RUMAWIP / Residensi Wilayah developer would want to have a project scoring low in QLASSIC in their track record.

No Comments

Residensi Wilayah

Residensi Wilayah

MESSAGE YB TUAN HAJI KHALID BIN ABD. SAMAD MINISTER OF FEDERAL TERRITORIES Ministry of Federal Territories (KWP) is very concerned about preparation a more comfortable affordable home to the citizens of the Federal Territory. The Ministry is committed towards building as many as 80,000 units of affordable housing in the Federal Territory to support Government intention in building as much one (1) million affordable homes within a period of 10 years from 2018 to 2028. The implementation of affordable housing belongs to the Wilayah Persekutuan has improved and rebranded as (Regional Residence/Residensi Wilayah) (RW). Provision of Regional Residency Policy provided for realisation National Housing Policy (DRN) for provide an affordable home that belongs adequate and affordable by citizens of the Federal Territory. This policy outlines general guidelines with some improvements for housing development planning affordable in the Federal Territory. Between improvements found in The Residensi Wilayah Policy of this Territory is expansive the minimum home is 900 square feet compared to 800 square feet previously and the determination of the density that can provide comfort to the residents with a maximum density of up to 1,000 people per acre. In addition, to guarantee the quality of construction of the Residensi Wilayah, the developer also need to get recognition QLASSIC. This policy can also resolve issues and challenges associated with aspects of construction, housing quality as well the challenge of providing affordable housing enough. Also, among the challenges another is the issue of deep developer attraction construction of affordable housing belonging to the Wilayah Persekutuan. To overcome challenges such, various incentives are offered to the developer to build a house affordable in the Federal Territory with attractive incentive offers without involving Government funds. Therefore, it is expected that the Policy This Regional Residence can provide clear direction to the agency executor under the Ministry, Department and support agencies as well as industry developers housing in housing development affordable in the Federal Territory. I hope through the Residency Policy This region, the Ministry intends to meet the current needs of the people in providing affordable housing which is comfortable, conducive and affordable can be realised in line with the motto “Wilayah Peduli, Harapan Dipenuhi" The State Cares, Hope Fulfilled.

Affordable Housing Policy Federal (Regional Residence/Residensi Wilayah) created as a direction as well as being basic guidance to all agencies Government and stakeholders in planning and developing affordable housing in the Federal Territory. The basic purpose of this is realized is to ensure the development aspect affordable housing housing belongs in The Federal Territory is uniform with standard set and specification so that housing price is affordable. This policy replacing the Rumah Mampu Milik Wilayah Persekutuan (RUMAWIP) NOT spell (RUMAHWIP or RUMAH WIP) which has enacted in 2013. The new policy of this Residensi Wilayah improved to ensure issues and challenges faced by developers local housing industry in implementation of home development affordable in the Federal Territory can be resolved. In addition, he can promote housing development affordable in the Federal Territory because the Residensi Wilayah is one housing programs in collaboration developers who do not involve any allocations or subsidies from the Government. Through this policy as well, planning and affordable housing construction mechanisms belonging can be exercised with more systematic with close cooperation between implementing agencies and industry players housing. This is to fulfill people's expectations to own a home affordable with that environment safe, healthy and comfortable.

Rumah Mampu Milik Wilayah Persekutuan (RUMAWIP) has been launched by the Ministry of Federal Territories (KWP) on April 8, 2013. Although however starting February 1, 2019, RUMAWIP has been rebranded as a Residensi Wilayah (RW) in accordance with the Government’s aspiration to provide and popularize affordable housing belonging to the citizens Federal Territory. Rechecking this policy is implemented following the Presentation of Improvement Resolutions RW program to the Honorable Minister of Region Federation which was held on March 11, 2019. In this regard, the Ministry Housing and Local Government (KPKT) as the leading housing agency the country has set targets Government to realize construction as many as one million affordable homes in nationwide within 10 years from July 2018 to 2028. Accordingly that is, this RW Policy will outline the direction direction as well as be the basis of guidance to all Government agencies and parties that interested in planning as well develop affordable housing in Federal Territory.

Rumah Mampu Milik Wilayah Persekutuan Policy Review in the Federal Territory is made for ensure issues and challenges within implementation of House development Affordable Ownership in the Federal Territory can identified and dismantled to meet buyer expectations among the citizens of the Wilayah Persekutuan. Some comparative studies has been implemented by the Ministry of Regions Federation to address a number of issues critical identified in development and the implementation of Affordable Housing in Federal Territory, which is the result of the study has been utilised for the purpose improvements in this policy review. Among the things that became the focus in this review is an improvement to the extent, species and characteristics house, construction quality, density rate population and sale price to ensure Residensi Wilayah meets that goal intended by the Government through the Policy National Housing (2018-2025) to generate sustainable, livable, quality habitat and inclusive and affordable by the people.

Definition of Residensi Wilayah
Residensi Wilayah refers to the (RUMAWIP) Rumah Mampu Milik Wilayah Persekutuan with the selling price does not exceed RM300,000 per unit and the size of the house is not less than 900 feet square with the tagline “Residensi Wilayah Residensiku”

Residensi Wilayah Specifications 
In general, the comfort of life in the house is important for every occupant house. RW characteristics are required so that each the house must contain at least 3 (three) bedrooms, 2 (two) bathrooms, kitchen, living room, dining room, yard for laundry use and 1 (one) parking space covered car. Even so, the developers encouraged to provide specification which is better for the comfort of the RW owner.

RW needs to be provided with complete public facilities and social needs for creating a conducive livable environment. Public facilities as a condition provision to developers subject to the consideration of the One Stop Service Center (OSC) is as follows: 
Table 1: List of Public Facilities 
Facilities that MUST be provided: 
1. Surau / prayer room 
2. Multipurpose hall / meeting room 
3. Management office 
4. Taska 
5. Kindergarten 
6. Community shops / stalls 
7. Islamic mortuary management room 
8. Dobi 
9. Library / reading room 
10. Computer room / indoor games room 
11. JMB/MC Management Room 

Additional basic facilities that are recommended are provided: 
12. Swimming pool 
13. Gymnasium *Size and area are subject to the discretion of the OSC and the facilities provided should be handed over to Joint Management Body (JMB) to generate additional sources of income.

Table 2: List of Specifications

Frame - Concrete 
Walls - Concrete Bricks (clay, sand & concrete)
Floor - Reinforced Concrete 
Roof Frame - Steel Reinforced Concrete
Roofing - Concrete Flat Roof Concrete Tiles Steel Deck

Aesthetics Element 
Window Projection (Facade) - (minimum 300mm above window)
A/C Ledge - Need to be prepared & MUST NOT be in the built up area of ​​the RW unit

Floor Package
Lift Lobby - Homogeneous Tiles
Living Room - Ceramic Tiles
Dining Area - Ceramic Tiles
Hallway - Ceramic Tiles
Bedroom - Ceramic Tiles
Balcony - Ceramic Tiles
Corridor (outside) - Ceramic Tiles
Yard - Non Slip Ceramic Tiles
Kitchen - Non Slip Ceramic Tiles
Bathroom / Toilet - Non Slip Ceramic Tiles
Stairs - Cement
Parking Lot - Cement

Other Package
Window - Aluminium Casement
Main Entrance - Solid Wood Door
Room -  Flat Plywood Door
Bathroom - Waterproof Door
Balcony - Aluminium Sliding Doors
Door Frame - Steel
Ceiling - Cement and Skim Coat & Asbestos Ceiling Tiles (Top floor / room shower / toilet)

Bathroom/Toilet - Ceramic tile as high as 2.1m up to the ceiling
Kitchen - Ceramic tiles as high as 1.5m  (remaining part plastered and painted)
Outer Wall - Cement and Painted (weatherproof paint)
* Use of building materials other than those specified for the purpose of the ‘feature wall’ needs to be approved by the local authority.

Sanitary Equipment 
Main and Second Bathroom - Toilet bowl (sitting type), Basins and Faucets, Shower Head Pipe(bid tap)
Kitchen - Bid Tap & Kitchen Sink
Yard - Bid Tap

Electric Power Source
13 Lighting Point
20 13A Switch Socket Outlet
2 15A Switch Socket Outlet
4 Fan Point
1 Water Heater Point
2 A/C Point
1 SMATV Point
1 Telephone Point
1 Door Bell Point
* The actual amount of power source depends on the design of the home unit. 
* The location of the power source should be in accordance with the proposed arrangement of furniture. 
*This type of wiring is single phase electrical wiring.

In order to comply with the quality of construction building, all RW Projects are mandatory obtained QLASSIC recognition (CIS 7: 2006/ updated version) as well as the Certificate Standard Compliance (Building Materials) from CIDB Malaysia.

Application Eligibility Requirements for Residensi Wilayah Application is as follows: 
• Applicants must be Malaysian citizens be at least 21 years old when the application is made; 
• Gross household income (includes allowances and commissions) RM10,000 and below per month for individual applicants (single/ unmarried) while for family applicant (husband and wife) RM15,000 or less per month; 
• Only one application is allowed for one household family (husband and wife); 
• Priority is given to the applicant who was born or worked or resident in the Federal Territory when the application is made; 
• The household applicant does not own any residence in the Federal Territory however so, the applicant (husband/wife) who has have a home in the Federal Territory through inheritance/will or grant allowed to apply; 
• Applicant (husband/wife) who already owns low cost house for ten (10) years and above can apply with conditions of submitting proof to sell existing low -cost homes; 
• Residensi Wilayah purchased by the applicant cannot sold within 10 years from the date purchase except to the next of kin (spouse or children) refers to the Moratorium Guidelines; 
• Buyers are not allowed to rent home to non-citizens Malaysia; 
• The applicant is not declared bankrupt; 
• Register and apply through the Residensi Wilayah Portal, 
• Offer will be canceled if available the applicant submits the documents fake. Applicants are allowed to place second nominee in the Sale and Purchase Agreement and Housing Loan Agreements. Nominee the second is limited to spouses (husband/wife) or related family members blood (womb) only refers to mother/father/siblings/children and Malaysian citizen status. Combination income of the applicant and the second nominee shall not exceed RM15,000 per month. The second nominee must also not already have residence of Residensi Wilayah
* Minimum of 50% of Bumiputera Quota
* Minimum of 1% reservation for OKU

Stakeholder Rights Auction case by a Financial Institution in the moratorium period is as follows: The Residensi Wilayah policy does not restrict any rights financial institutions to enforce sale of RW auction units to buyers new; and new buyers must adhere to the balance moratorium period of 10 years from the date The first Sale and Purchase Agreement is signed between buyer and developer. The developer must be responsible to ensure that there is no form collection of money received from the applicant including the collection of commitment fees before signing the sale agreement buy and have to comply with the Rules Housing Development (Control And Licensing) 1989 and regulations under the Act 118, Housing Development Act (Control And Licensing) 1966. Collection of deposits by the developer for the purpose renovation after handing over of keys shall not exceeding RM1,500 and charged to homeowners only. Deposit must be refunded in full in the absence of any violation agreed terms.

The implementation of this program will not give any financial implications to Government because all costs are borne entirely by housing developers through cross -subsidy method.


No Comments

The 3 Types of Affordable Housing Program in Malaysia

1) Residensi Prihatin – Apartment that cost RM 200,000.


  • Mortgage payment – Average RM 775 for 100% financing, 35 years
  • Controlled Pricing for Additional Parking Lot – RM 15,000 for tandem parking lot & RM 18,000 for side-by-side parking lot. (Maybe able to be included in loan)
  • Controlled Pricing for Maintenance Fee – 12 Cent per SQFT (Very cheap)
  • Booking fee cap at RM 1,000 & must be FULLY REFUND if transaction fail with or without valid reason.
  • Age 18 & Above eligible to purchase.


  • 750 SQFT (Small)
  • Quality – QLASSIC Score (Residensi Wilayah Sky Awani achieve 79% QLASSIC Scoring). Apartment costing RM 200,000 will be impossible to build with such quality as MOST if not all Residensi Wilayah costing RM 230,000 have bad reviews online. BUT it is clearly written that it is compulsory be at least 70% in QLASSIC scoring without mentioning any penalty if developer fail to do so.
  • Limited choice in location (Currently 2 project, all in Putrajaya)
  • 20,000 out of the 40,000 units built in the beginning will be reserve for MAF (Malaysian Armed Forces), you have to be quick to apply.
  • Lower chance in Capital Gain, there is tremendous amout of land in Putrajaya.
  • Not allow to be sold within 10 years after S&P signed. (EXCEPT TO SPOUSE OR CHILDREN)
  • Gross income of individual/with family inclusive of allowances MUST NOT EXCEED RM 5,000 (Only cater to low income group)
  • NOT CLEARLY WRITTEN in Dasar Residensi Prihatin whether is it allow to be rent out
  • As for self employed, company gross income above RM 5,000 for any month out of the latest 3 months bank statement submitted will be rejected. Calculation of income not based on the average income for the last three months or taking in consideration of the cost of running the business. (based on previous application for Residensi Wilayah result)
  • Normal unit will only include one parking lot
  • Bare unit, owner must spend a substantial amount of money for renovation.

For more information, please visit

(As of 29 March 2021, there is not one project that have launch)

2) RUMAWIP (Rumah Mampu Milik Wilayah Persekutuan) or now known as Residensi Wilayah – RM 300,000 and below


  • Mortgage payment still consider relatively low. Average RM 1,200 for 35 years loan.
  • Second homebuyer allowed as long as self or spouse do not own any property in Wilayah Persekutuan.
  • Variety of choice in terms of location.
  • Some projects are walking distance to train station.
  • Clearly written in Dasar Residensi Wilayah that it is illegal to be rent out to foreigners within 10 years after signing SNP, which means it is legal to be rent out to Malaysians. It can turn out to be a good investment!
  • Size is from 800-900 SQFT, it is possible to get a decent size.
  • Individual gross income of RM10,000 and below & household gross income of RM 15,000 is eligible to apply.
  • Some of the project facilities are really impressive for the price paid.
  • Extra 2 13A Switch Socket Outlet compared to Residensi Prihatin (Maybe useful)


  • Not allow to be sold within 10 years after S&P signed. (EXCEPT TO SPOUSE OR CHILDREN)
  • Most of the project won’t be 900 SQFT
  • Income of RM10,000 and above for any month out of the latest 3 months salary slip submitted to KWP will be rejected. Calculation of income not based on the average income of three months.
  • As for self employed, company gross income above RM10,000 for any  month out of the latest 3 months bank statement submitted will be rejected. Calculation of income not based on the average income for the last three months or taking in consideration of the cost of running the business.
  • Normal unit will only include one parking lot.
  • Need to self-study on the developer background as project qualities can be bad or really good.
  • Bare unit, owner needs to spend substantial amount of money for renovation.

Both RUMAWIP (known as Residensi Wilayah) or Residensi Wilayah did not clearly make it a requirement for certain material brand to be use, for example the wiring should be using Mega Cable or at least must be SIRIM approved and the tap by DOE. Buyer best chance is to research on developer track record in order to get the best bargain. The pandemic definitely have cause most if not all developers to cut cost of materials used sacrificing the quality.

3) Maybank Houzekey Project

This is NOT a government effort. Package can be change more frequently.


  • Bigger size unit and many options
  • Better facilities
  • Higher quality
  • Plenty of projects to choose from
  • No salary cap to go for this
  • More likely a long term house (bigger space, more parking space)
  • Parking can be single, double or more (Can be included in loan)
  • Can let go of it after five years if you wish not to purchase it
  • Can purchase it after one year of vacant possession.
  • Low upfront cost
  • No need of progressive payment during construction
  • Monthly payment is only after vacant possession, based on 60% of property price for the first 5 years
  • Can sell off after you purchase it without any form of restriction


  • Higher installment compared to the government initiative such as RUMAWIP or Residensi Prihatin.
  • After five years installment can be double (First five years is similar to renting a house from Maybank which you will own in the future, so instead of paying rent to someone else; you reserve your dream house with renting from a bank)

If you are interested to know more, please click here to inquire.

No Comments

Information on Self Employed Malaysians to Purchase a RUMAWIP

RUMAWIP or Residensi Wilayah Purchasing

Moving forward, due to the pandemic that will definitely decrease the jobs available in the market, we will see the increase of freelancers like Influencers, YouTubers, Online Businesses, Entrepreneurs or any work that is self created in Malaysia. The demographic of this group of people will largely consist of millennials that would not bow down in defeat towards the coming recession.  

Register a Business 

Firstly you will need to register a business either sole proprietorship, business wholly owned by a single individual using personal name as per identity card or trade name or partnership (Sdn Bhd) Business owned by two or more individuals but not exceeding 20 persons. Identity card name can’t be used as business name. The reason being,  it is necessary to register the business for more than 2 years in order to secure a housing loan.  If buying with cash; please ensure that your income tax Is declared accordingly as the tax officers may pay you a visit anytime! The cost to register a trade name is RM 60, personal name is RM 30 and an additional service fee for the registration in the SSM branch is RM 5. Click HERE to go to Suruhanjaya Syarikat Malaysia (SSM) for further information. When you are setting up a Sdn Bhd (unless you’re  SoImJenn level, please don’t), the rough cost yearly is between RM 2000 to RM 3000. If you wish to know more, click HERE for a quote from Indah Secretarial KL Sdn Bhd. 

Keep all Financial Records for Income Tax

As a beginner in planning your first house purchase as a self employed, declaration of your income tax is a must whether you are planning to buy it with a mortgage or cash. For normal earners (yearly income below RM 120,000) we don’t have to go for partnership; registering a sole proprietorship will do. Please click HERE to read RinggitPlus on what you can save for your personal income tax. In most cases, receipts you keep will fade off, so it is to your best interest to photostat/scan every single one of them and keep it in a file and always send a digital copy to yourself through email . If you are earning more than RM 120,000 , you are not eligible to buy a Residensi Wilayah (unless you are married with less than RM 180,000 yearly household income). For your information, when submitting the required 3 months bank payslips, if your statement shows that the credit in any of the months submitted is more than RM 10,000 (not the average of 3 months), your success rate in getting the approval for a RUMAWIP project is little to none. 

Researching on the Project

It is often too late if you discover your desired project when it is already out in the market. Developers need to have the APDL, both a sales permit and housing development license, as prescribed in the Housing Development (Control and Licensing) Act 1966 (Act 118) before advertising the project. Is good to do a  Google research in order to  get to know all real estate agents who specialize in these types of housing segments or maybe just click HERE to be inform via WhatsApp over any future launch of your desire location, in order to stay ahead.

Researching on the Project

The demand for RUMAWIP is always high; at times the booking fee can be a little demanding like RM 15,000 but not all the time. You probably need to prepare for that or more in case you need to pay for the lawyer fees and etc. Secondly CCRIS, it is best keep good (payment made on time for existing loan), with an existing borrowing such as a credit card (PTPTN best not included in this) is definitely a plus. The Central Credit Reference Information System (CCRIS) is a system created by Bank Negara Malaysia’s (BNM) Credit Bureau to provide standardised credit reports on a potential borrower

This is important especially in cases where the Developer may require a CCRIS check before accepting the booking, or to secure a housing loan. If you are using LPPSA, EPF staff loan, bank staff loan or etc, CCRIS record is not important. 

My First Home Scheme

There are several criteria that applicants must meet to be eligible for the My First Home Scheme:

  • Must be a first-time buyer
  • Must be a Malaysian citizen
  • Available for salaried worker or self-employed individuals
  • Allows single or joint applicants
  • Joint applicants must be immediate family members
  • Gross monthly income:
    • Up to RM5,000 – Single/joint applicant(s)
    • More than RM5,000 and not more than RM10,000 – Joint applicants (subject to maximum gross monthly income of RM5,000 per applicant)
  • No record of impaired financing (i.e. failure to repay loans) within the past 12 months

(This is is also subject to Bank approval, if your salary is above RM 5,000 please advise to inform your real estate agent for his advise (only experience agents qualify to advise) in order to secure 110% loan amount)

By failing to prepare, you are preparing to fail.

Benjamin Franklin

No Comments

Setting Up a Partnership Cost (Sdn Bhd) 5th November 2020

Covid-19 Stimulus Incorporation Package at RM2,599 (Worth RM6,200).

The economy has slowed down after the pandemic, and to revitalise the economy, our government has come out with a policy to encourage incorporation. New incorporation now gets to enjoy RM20,000 tax rebate annually for a consecutive of 3 years. And, to support the plan, Cheng & Co has designed a package particularly for those who have been thinking to establish a private limited company (Sdn. Bhd.).

The first 200 clients get to enjoy more than 50% discount off of services worth RM6,200 at RM2,599. Our incorporation package aims more than just setting up a company for our client, but we try to provide services that go extra miles for our client:-

  1. Incorporation
  2. 12 months retainer fee
  3. Free 2 bank account opening resolution within 3 months
  4. Domain and email package
  5. Jobsocieties posting
  6. Free 1 to 3 months trial of selected cloud accounting software
  7. Free 1 to 2 months trial of selected cloud payroll software
  8. Free update of the latest tax and statutory development by WhatsApp and email

Please find attached herewith our quotation and checklist for incorporation of a Malaysian company for your perusal. If our quotation is in favour to you, kindly complete Appendix I and return a copy to us together with the passport copy of the director(s) and shareholder(s). If the shareholder is a body corporate, kindly provide its certificate of incorporation and the details of the corporate representative.

Requirement of Incorporation

Director – At least one (1) director who is ordinary reside in Malaysia by having principal place of residence

Shareholder – At least one (1) shareholder, can be individual or company. (can be 100% owned by foreigner)

Paid up Capital – minimum RM1.00


a) Name reservation (1 – 2 working days)

b) Once name search approved, we will prepare the incorporation documents for your arrangement on director and shareholder signature.

c) Once signed, please scan us a copy of the signed documents together with the payment via email and we will proceed to the incorporation. The original copies  shall return to us later. 

Should you require any clarifications, please do not hesitate to contact Pearly (Person in Charge)

Indah Secretarial (KL) Sdn. Bhd.

18-2, Jalan 2/114,

Kuchai Business Centre,

Off Jalan Klang Lama,

58200 Kuala Lumpur.

Tel : 03-7984 2018 / DID: 03-7985 9897

Fax: 03-7984 9872

error: Content is protected !!
Open chat
WhatsApp me!