🇲🇾 BAHASA MELAYU - Cara Mohon Rumah PR1MA Online (2025)
Program Perumahan Rakyat 1Malaysia (PR1MA) adalah inisiatif kerajaan untuk membantu rakyat Malaysia memiliki rumah mampu milik. Panduan lengkap ini akan tunjukkan cara memohon rumah PR1MA secara online.
Apa Itu PR1MA?
Konsep PR1MA:
Program perumahan kerajaan untuk middle income group
Harga rumah below market value
Quality housing dengan facilities lengkap
Built by private developers under government scheme
Target Group:
Household income: RM2,500 - RM15,000
Malaysian citizens aged 21+
First-time homebuyers (priority)
Married couples atau single parents
Jenis Rumah PR1MA Available
Type & Price Range:
**Studio/1 Bedroom**: RM100,000 - RM200,000
**2 Bedrooms**: RM150,000 - RM300,000
**3 Bedrooms**: RM200,000 - RM400,000
**4+ Bedrooms**: RM350,000 - RM500,000
Locations Available:
**Klang Valley**: Cyberjaya, Serdang, Puchong
**Johor**: Nusajaya, Kluang, Batu Pahat
**Penang**: Bayan Lepas, Seberang Perai
**Other States**: Sabah, Sarawak, Pahang, Perak
Kelayakan & Requirements
Basic Eligibility:
Malaysian citizen aged 21+
Combined household income RM2,500-15,000
First-time homebuyer (atau tak ada property)
Not blacklisted by any financial institution
Sanggup tinggal di property untuk minimum 10 tahun
Required Documents:
MyKad (pemohon & spouse)
Latest 3 months payslip
EPF statement
Bank statements (6 months)
Marriage certificate (if married)
Loan pre-approval letter
Langkah 1: Research Available Projects
Official Website:
1. Visit www.pr1ma.my
2. Click "Available Projects"
3. Filter by state/location
4. Check project details dan prices
5. Review floor plans dan facilities
Project Information:
**Development timeline**
**Completion date**
**Unit types available**
**Pricing details**
**Facilities & amenities**
💡 Tip: Subscribe for project updates untuk get latest announcements.
Langkah 2: Loan Pre-Approval
Bank Loan Options:
**Bank Islam**: Islamic financing
**Maybank**: Conventional + Islamic
**CIMB**: Competitive rates
**Public Bank**: Good service
**RHB**: First-time buyer packages
Pre-Approval Process:
1. Submit income documents
2. Credit check & assessment
3. Property valuation
4. Loan approval in principle
5. Get pre-approval letter
Loan Details:
**Loan amount**: Up to 90% (first-time buyer)
**Interest rate**: 3.5% - 4.5% (current market)
**Loan tenure**: Up to 35 years
**Monthly commitment**: Max 60% of gross income
Langkah 3: Online Registration
Create Account:
1. Go to www.pr1ma.my
2. Click "Register" at top right
3. Fill personal information
4. Verify email address
5. Login to your account
Complete Profile:
Personal details (follow MyKad)
Contact information
Employment details
Household income information
Family members details
Langkah 4: Submit Application
Application Form:
1. Login to PR1MA portal
2. Select "Apply for Home"
3. Choose preferred project/location
4. Select unit type yang berminat
5. Fill complete application form
Required Information:
**Personal**: Name, IC, address, contact
**Employment**: Company, position, salary
**Financial**: Income, commitments, assets
**Preferences**: Unit type, floor level
**Emergency contact**: Next of kin details
Langkah 5: Document Upload
Upload Requirements:
MyKad (front & back) - clear copy
Latest payslips (3 months)
EPF statement (latest)
Bank statements (6 months)
Marriage certificate (if applicable)
Loan pre-approval letter
File Upload Tips:
📱 Use scanner app untuk clear documents
📄 PDF format preferred
💾 Max file size 2MB each
✅ Ensure all text readable
Langkah 6: Application Review Process
Timeline & Stages:
1. **Document verification** (5-7 working days)
2. **Eligibility assessment** (10-14 working days)
3. **Balloting process** (if oversubscribed)
4. **Unit allocation** (successful applicants)
5. **Offer letter** (within 30 days)
Application Status:
**Received**: Application submitted successfully
**Under Review**: Documents being verified
**Approved**: Eligible for balloting
**Successful**: Unit allocated
**Unsuccessful**: Application rejected
Balloting Process (If Oversubscribed)
Balloting System:
Computer-generated random selection
Public balloting ceremony
Live streaming available
Results announced immediately
Appeal process available
Priority Categories:
1. **Local residents** (area preference)
2. **Government servants**
3. **First-time homebuyers**
4. **Young families**
5. **General public**
Langkah 7: Unit Selection & Booking
If Successful in Balloting:
1. Receive offer letter via email/post
2. Review unit details & location
3. Decide within 14 days
4. Pay booking fee (usually RM1,000)
5. Receive booking receipt
Unit Selection Criteria:
Floor level preference
Unit facing (view)
Accessibility needs
Parking allocation
Size requirements
Payment Schedule & Process
Typical Payment Structure:
**Booking fee**: RM1,000 (upon selection)
**Down payment**: 10% (signing SPA)
**Progress payments**: Based on construction progress
**Final payment**: Upon completion/handover
Progressive Payment Example (RM300,000 unit):
Booking: RM1,000
Down payment: RM30,000
Foundation: 10% (RM30,000)
Superstructure: 15% (RM45,000)
Roofing: 20% (RM60,000)
Windows/doors: 15% (RM45,000)
Final: 30% (RM89,000) + remaining
Legal Process & Documentation
Sale & Purchase Agreement (SPA):
1. Review SPA terms carefully
2. Engage lawyer (if needed)
3. Sign SPA within 3 months
4. Pay stamp duty & legal fees
5. Submit signed SPA to developer
Legal Fees & Charges:
**Lawyer fees**: RM2,000 - RM5,000
**Stamp duty**: 1%-3% of property value
**Legal search**: RM200 - RM500
**Documentation**: RM300 - RM800
Construction & Progress Updates
Monitoring Progress:
Regular site visits allowed
Progress updates via SMS/email
PR1MA portal progress tracker
Developer's social media updates
Quarterly progress reports
Quality Control:
Government monitoring & inspection
Developer's quality assurance
Independent surveyor reports
Defect liability period (24 months)
Key Collection & Handover
Pre-Handover Inspection:
1. Schedule inspection appointment
2. Check for defects/issues
3. Test all fittings & fixtures
4. Report any problems
5. Get defect list untuk rectification
Handover Process:
Collect keys & access cards
Receive handover documents
Setup utilities (water, electricity)
Register with management office
Move-in preparation
After Purchase Responsibilities
10-Year Stay Requirement:
Must occupy as primary residence
Cannot sell within first 5 years
Can rent out after 3 years (with approval)
Transfer restrictions untuk family only
Penalty untuk breach of conditions
Maintenance & Management:
Monthly maintenance fees
Sinking fund contributions
Joint management body participation
Property insurance requirements
Council rates & assessments
Common Issues & Solutions
Application Rejected:
Check eligibility criteria again
Update income/employment documents
Appeal within 30 days
Reapply untuk future projects
Seek advice from PR1MA service center
Delays in Construction:
Normal delays: 6-12 months acceptable
Monitor progress through official channels
Liquidated damages untuk excessive delays
Legal action as last resort
Join homebuyer association untuk collective action
Tips Untuk Successful Application
Before Applying:
✅ Get loan pre-approval first
✅ Save untuk down payment + fees
✅ Research location thoroughly
✅ Understand all terms & conditions
✅ Prepare all documents in advance
During Application:
✅ Fill forms accurately & completely
✅ Upload clear, readable documents
✅ Respond quickly to any queries
✅ Monitor application status regularly
✅ Keep all communication records
Alternative Affordable Housing Programs
Government Programs:
**Rumah Selangorku** (Selangor state)
**Rumah Wilayah** (Federal Territory)
**Rumah Mesra Rakyat** (Various states)
**MyFirst Home Scheme** (Bank Negara)
**Youth Housing Scheme** (Under 35 years)
Private Sector:
**Rent-to-Own** schemes
**Affordable housing** by private developers
**Employee housing** programs
**Cooperative housing** projects
Conclusion
Memohon rumah PR1MA memerlukan persediaan yang teliti dan kesabaran. Kunci kejayaan adalah memahami process, prepare documents dengan lengkap, dan monitor application status secara berkala.
Ingat, PR1MA bukan just about getting cheap house - ia adalah peluang untuk memiliki quality home dalam community yang well-planned. Take advantage of this government initiative untuk achieve your homeownership dreams!
Good luck dengan PR1MA application anda! 🏠✨