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INTRODUCTI
ON
political and social well–being aspects.
•The overall volume of housing demand is influenced by
demographic as well as human and industry behaviour such
as urbanization and population structure, household
formation, cost and price of houses, dwelling stock and level of
consumers’ confidence on economy and housing market.
•10MP Focus: ensuring affordability and accessibility to
quality housing amongst the lowest income group
-sectoral approach/industry driven with government
intervention for accessibility, affordability and sustainability.
-Housing programmes/initiative: Housing for the
poorest(PBR), PPR, PPPA1M, MYHome Scheme, PR1MA,
My First Home Scheme, Reviving Abandoned Private Housing
projects.
-Despite achievement in providing various segment of housing
to deserving household, there are still gap in home ownership
& quality living environment, particularly among the lower
income group.
•11MP Focus: promote greater inclusivity in housing sector
and provide
Issues Strategies
1.DD & SS gap – low home
ownership among the poor
and lower middle income
household
Home Ownership 2012 (B40
HH)
Urban areas 60.4%
Rural areas 79.4%
National Overall 74.0%
Home Ownership 2012 (Poor)
Urban areas 44.1%
Rural areas 83.1%
National Overall 66.0%
Lowest home ownership: KL,
Increase accessibility to
affordable houses among
the poor and middle
income household through
a more targeted housing
programmes - segmentation
approach, housing for the
poorest, low cost, low
medium & medium cost
houses (lower & middle
income).
•Poorest – focus in rural areas
(Sabah, Sarawak, Kedah,
Kelantan & Terengganu)
Issues and Strategies
Issues Strategies
1.High and Increasing house
price
In 2011-2013, price increased
by 10% compared to 3.2%
during 2001-2009.
- Attract high end property
development, increased
demand for affordable
housing is not met - many
turned to the secondary
market (80% of the
transactions) - further driving
up house prices.
High Profit Margin.
Provide incentive to private
sector to develop and/or
provide staff houses.
Reform Construction Supply
change to avoid price
manipulation of construction
material & reduce house
price – establish SPV in
construction industry/ GLC’s.
Collaboration in R&D
(innovation in building
technology).
Issues and Strategies
Issues Strategies
3. Unaffordability to own
houses
Khazanah: Housing
affordability index based on
Median Income (Affordable
= price less than 3 X Median
Income):
The World Bank affordability
Index
-all states except Terengganu
and Kelantan are unaffordable
(Price exceed 3X annual
household income in 2012)
-price of terrace house in the
Continue to provide
innovative housing loan and
subsidized house price for the
lower middle income
household to increase their
affordability.- My First Home Scheme- for lower
middle income/young adult earning RM5,000 or less to get 100% financing from banks to purchase first home
- Second/two Generation Home Loan with tenure more than 41-70 years
- Myhome Scheme - private Housing for lower middle income with RM30,000 subsidy)
- Develop more rental housing for low income household – improve targeting/delivery & impose conditional and exit policy to reduce mismatch & rent seeking.
Issues and Strategies
Issues Strategies
4. Lack of integrated
planning & coordination
lead to mistargeting and
mismatch in delivery of
affordable housing
•Many agencies involved in
affordable housing programme.
•Mistargeting with high
inclusion error/sublet/rent
seekers.
•Mismatch supply and demand
in specific location/areas.
•Lack of a consolidated and
reliable database - housing
demand data is fragmented.
Develop a consolidate and integrated data base to strengthen planning capability and targeting of affordable housing (current unmet housing need, current supply & projected future need, target group information – true picture of housing DD/essential for policy formulation &Improve quality data on housing DD).
Strengthen supreme agencies
role in planning, coordination
& managing affordable
housing programme – Role of
JPEN to support National
Housing Council.
Continue to implement quota
system for the affordable
housing based on need of
Issues and Strategies
Issues Strategies
5.Poor management and
maintenance lead to poor
living environment
•Insufficient funding - low and
unpaid rent causes large losses
for local authorities in
maintenance and management
of PPR rentals (building &
facilities).
•Lack of community
involvement and commitment in
maintenance and preventing
vandalism.
Review rental rate to reflect
the cost of standard
maintenance
Adopt innovative rental
collection system
for financial sustainability
Awareness programmes to
increase awareness amongst
tenants and communities on
the needs and responsibility to
pay rental, prevent vandalism
and maintenance for quality
living condition
Partnership in the NGOs and
civil
Issues and Strategies
Issues Strategies
6. Deprived in living standard -
Unmet specific needs of
vulnerable groups and gaps in
access to urban services
•Overcrowded household - average household
size for lower middle income = 4 but about 30%
of them living in 1 to 2 bedroom with
unconducive environment & lacking facilities
(deprived in room density – 24.9%, 14.5% urban,
10.1% rural).
•Most of the poor, low and lower middle income
houses located in the suburbs - lack of
convenient and reliable public transportation.
•Inaccessible to Health services (Deprivation-
overall 25.5%, urban 14.5%, rural 12.3%) social
services for the elderly and disabled and school
children. (Deprivation garbage collection-urban
7.1%).
•Security issues.
Provide adequate and quality
housing with comprehensive
facilities and condusive
environment to cater specific
needs of vulnerable groups in
specific housing location
•Enforcement of housing quality
standard for future development of
affordable housing.
•Provide more transit house for the
youth from overcrowded
household/young working adult.
•Provide more 1Malaysia Clinic to
increase accessibility of affordable
housing communities.
Greater coordination to provide
Issues and Strategies
Issues Strategies
7. Lack of strategic and
suitable land in appropriate
location for affordable
housing projects
•Most houses located in the
suburbs incur high
transportation costs
(approximately 15% of the total
expenditure), affect travel time
and productivity.
•High land price - unhealthy
competition between public and
private housing programme (low
cost and high end housing
Establish land bank for future
needs of the affordable houses
in
strategic location, particularly
in
urban areas
Improve coordination to
develop infrastructure and
facilities in affordable housing
areas - public transportation
network along with other public
amenities.
Issues and Strategies
Taburan Isi Rumah B40 Mengikut Jenis Pemilikan Rumah di Malaysia, 2012
Strategi:
Menyediakan perumahan
mampu milik yang mencukupi dan
berkualiti
Mencapai
akses sejagat
kepada
penjagaan
kesihatan
berkualiti
Mewujudkan
persekitaran
hidup lebih
selamat untuk
masyarakat yang
berdaya maju
dan sejahtera
Meningkatkan
keselamatan
jalan raya dan
perkhidmatan
kecemasan
untuk
mengurangkan
fataliti
Menggiatkan
sukan untuk
kehidupan
yang sihat
dan
memupuk
perpaduan
Membudayakan
semangat
1Malaysia untuk
memperkukuh
kesepaduan
sosial dan
perpaduan
nasional
Teras Strategik 2
Meningkatkan kesejahteraan rakyat
12
2.3 katil hospital bagi setiap 1,000
penduduk
Meningkatkan nisbah doktor
kepada penduduk
2.3
1:400
60%
Peratus peningkatanpersepsi rasa
selamat
Mengurangkan indeks jenayah
setiap tahun
5%
Menambah baikmasa responskecemasan
2.0
Indeks fataliti kemalangan jalan raya
bagi setiap 10,000 kenderaan berdaftar
8minit
6,800
Jumlah sekolahmenubuhkan Kelab
Rukun Negara
Peratusan minima rakyat Malaysia membudayakan
sukan
50%
Strategi utama dan outcome
terpilih
Menyediakan
perumahan mampu
milik yang mencukupi
dan berkualiti kepada
isi rumah miskin,
berpendapatan rendah
dan sederhana
Membina/membaikirumah untuk isi rumah
miskin
Membina rumah untuk isi rumah berpendapatan
rendah dan sederhana
47,000
606,000
3. Teras Strategik
STRATEGI PERUMAHANBidang Fokus B: Menyediakan perumahan mampu milik yang
mencukupi dan berkualiti
13
Program perumahan mampu milik awam yang telah dibina dalam tempoh RMKe-10
ProgramPendapatan Isi
Rumah (RM)
Kementerian/
Agensi
Unit Rumah
SiapDalam
PembinaanJumlah
12,025 27,087
18,400
Nota: PR1MA, PPA1M dan RUMAWIP dimulakan pada tahun 2013; data sehingga Mac 2015
* PGK merupakan tahap pendapatan yang digunakan untuk mengukur kemiskinan mutlak berasaskan kepada keperluan minimum makanan dan bukan
makanan yang diperlukan oleh ahli isi rumah untuk kehidupan sihat dan aktif. Purata PGK bulanan bagi tahun 2014 ialah RM930 bagi Semenanjung
Malaysia, RM1,170 bagi Sabah dab RM990 bagi Sarawak. 14
Program Unit Rumah
Program Perumahan Rakyat (PPR) 50,000
Perumahan Rakyat 1Malaysia
(PR1MA)
380,000
Perumahan Penjawat Awam 1Malaysia
(PPA1M)
88,000
Rumah Mesra Rakyat 1Malaysia
(RMR1M)
55,000
Rumah Wilayah Persekutuan
(RUMAWIP)
33,000
JUMLAH** 606,000
Sasaran Perumahan Mampu Milik Awam
dalam Tempoh RMKe-11
Nota: ** Tidak termasuk 47,000 unit di bawah Program
Bantuan Rumah
Unit Perancang EkonomiJabatan Perdana Menteriwww.epu.gov.my
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