Civil servant (LPPSA)
Public-sector staff
RM646,028
Fixed for the full term · 100%, no deposit
On RM4,500 a month — do you fit Rumah MutiaraKu (Penang)?
Rumah MutiaraKu (Penang) measures HOUSEHOLD income (stated ceiling ~RM12,000), not one salary. Your salary is RM4,500 — but your household total could be higher, so we can't check this from one figure. Confirm your household total with Penang housing authority.
See the homes that fitYour financing paths
Self-employed / gig (SJKP)
No fixed payslip — freelance, own business
RM325,417
Govt-guaranteed loan · no deposit
First-time buyer (SRP)
Buying your first home, salaried (household ≤ RM10k)
RM325,417
100–110% · covers deposit + fees
◆ First home ≤ RM500,000: stamp duty fully waived (SPA before 31 Dec 2027).
Figures are estimates by salary, age 30, 100% margin. Actual eligibility is decided by the bank or agency.
What is Rumah MutiaraKu (Penang)?
Penang's affordable-home scheme.
Penang voters or residents aged 21+ with a state nexus; household income typically up to ~RM12,000 (open tier up to ~RM20,000). Confirm with the Penang housing authority.
Homes within your budget
Frequently asked
What is LPPSA?
The public-sector housing financing board — home financing for civil servants, fixed for the full term, up to 100% with no deposit.
What's the minimum salary to qualify?
There's no fixed minimum — the amount depends on basic salary, fixed allowance and the debt-service ratio (DSR).
Do I need a deposit?
No. LPPSA finances up to 100% of the price for eligible civil servants.