1. Full Stamp Duty Exemption (Extended to 2027)
This remains the best for first time buyer benefits. Initially set to expire earlier, the government has extended this to December 31, 2027
The Benefit: 100% exemption on the Stamp Duty for both the Memorandum of Transfer (MOT) and Loan Agreement.
The Cap: Applies to residential properties priced up to RM500,000.
Estimated Savings: On a RM500,000 home, you save roughly RM11,500 in upfront cash.
2. SJKP (Housing Credit Guarantee Scheme) – RM20 Billion Boost
In 2026, the SJKP has been doubled to a RM20 billion allocation, specifically targeting the non-traditional worker.
Who it’s for: Gig workers, freelancers, e-hailing drivers, and small business owners without a fixed 3-month payslip.
The 2026 Edge: It now supports financing up to 110% of the property price, allowing you to wrap your legal fees and insurance (MRTA/MLTA) into the loan.
Bumi Potential: Perfect for buying Bumi-quota units in upcoming townships where entry costs are the biggest barrier.
3. LPPSA Youth Financing (For Civil Servants))
If you are a young civil servant, the Lembaga Pembiayaan Perumahan Sektor Awam (LPPSA) has seen a massive upgrade for 2026
Financing Limit: Raised to RM1 million (up from previous limits) to help civil servants afford homes closer to urban centers like Putrajaya or KL.
Interest Rate: Stays locked at a competitive 4%, which is significantly lower than the 2026 commercial bank average of 4.5%–4.8%.
4. Rumah Selangorku 3.0 (2026/2027 Update)
For those looking in the Klang Valley, the Selangorku brand has evolved
The Shift: New Harapan and Idaman categories now offer larger floor plans (up to 1,000 sq. ft.) and include essential appliances like air conditioning and water heaters.
Income Ceiling: The household income eligibility remains at RM15,000, making it accessible to the M40 group, not just the B40.
Zero Deposit: Many 2026 projects under this scheme are now bundled with the SJKP to offer a true zero-deposit entry.
5. PR1MA Komuniti + Initiatives
PR1MA isn’t just about the building anymore; in 2026, it’s about the Digital Ecosystem
Integrated Tech: New PR1MA projects (like the Transit Oriented Developments near ECRL stations) come with high-speed 5G connectivity and Smart Community features built-in.
Rent-to-Own (RTO): The government has encouraged financial institutions to expand RTO options for PR1MA units, allowing you to lease the property for 5–10 years before deciding to buy, with the rent paid counting toward your future down payment.