No payslip, no problem? New housing policy targets gig workers

The National Housing Policy (DRN) 2026-2035, launched by the Malaysian government, focuses on enhancing access to affordable housing, particularly for youths and gig workers.

A key component is the Housing Credit Guarantee Scheme, which aids first-time buyers without regular incomes by enabling government-backed loans.

The policy includes proposed amendments to the Strata Management Act and the introduction of new legislation to improve tenant and property owner protections.

Additionally, affordable housing guidelines are being refined, considering regional price variations and market conditions.

KUALA LUMPUR, Sept 11 — Providing homeownership assistance, particularly for youths and gig workers, is among the key priorities of the National Housing Policy (DRN) 2026-2035, ensuring greater access to affordable housing.

Ministry of Housing and Local Government (known by its Malay initials KPKT) Deputy Secretary-General (Housing and Urban Wellbeing) Zulkeflee Sulaiman said the Housing Credit Guarantee Scheme (SJKP) was among the mechanisms available to help first-time homebuyers without a fixed income or payslips.

“SJKP can help first-time homebuyers, particularly gig workers who do not have payslips, to secure housing loans, with the Government acting as a guarantor through participating banks.

“The Government wants to make sure young people who want to own their first home are not left behind,” he said when appearing as a guest on Bernama TV’s Ruang Bicara programme here yesterday.

Launched by Housing and Local Government Minister Nga Kor Ming on Aug 10, the DRN 2026-2035 sets the direction for the national housing sector over the next decade, covering six focus areas, 17 strategies and 59 action plans.

Zulkeflee said the policy also includes measures to address strata management issues, with amendments to the Strata Management Act 2013 expected to be brought to the Government next year before being tabled in Parliament.

Meanwhile, KPKT Housing Planning Division undersecretary J. Murali said the ministry was refining the national affordable housing guidelines, with location being among the factors considered in determining prices.

He said setting RM300,000 as a nationwide benchmark might not be suitable, as affordability and market conditions varied between Kuala Lumpur and states such as Perlis, Sabah and Sarawak.

“We already have the framework and are now refining it. We will come up with national affordable housing guidelines which will be launched later,” he said.

Murali said that, apart from pricing, the ministry was also taking into account tenant welfare, despite the country’s 76 per cent homeownership rate.

As such, he said a Residential Tenancy Act would be introduced to provide clearer protection for tenants while also safeguarding property owners’ interests.

Murali said the DRN 2026-2035 would involve the drafting of three new pieces of legislation, namely the Property Development Act, Building Managers Act and Residential Tenancy Act, as well as amendments to the Strata Management Act 2013. — Bernama

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马来西亚政府推出的《2026-2035 年国家住房政策》重点在于提高民众获得经济适用房的机会，特别是为青年人和零工人员提供经济适用房。

住房信贷担保计划是其中的关键组成部分，该计划通过提供政府担保贷款来帮助没有固定收入的首次购房者。

该政策包括对《分契式物业管理法》的拟议修订，以及为加强对租户和业主保护而引入的新立法。

此外，考虑到地区价格差异和市场状况，经济适用房指导方针也在不断完善。

吉隆坡，9 月 11 日讯——为购房者提供援助，特别是为青年人和零工人员提供援助，是 2026-2035 年国家住房政策 (DRN) 的重点优先事项之一，旨在确保更多人能够获得负担得起的住房。

住房和地方政府部（马来语缩写为KPKT）副秘书长（住房和城市福祉）祖尔克弗利·苏莱曼表示，住房信贷担保计划（SJKP）是帮助没有固定收入或工资单的首次购房者可用的机制之一。

“SJKP可以帮助首次购房者，特别是那些没有工资单的零工人员，获得住房贷款，政府通过参与的银行提供担保。

“政府希望确保那些想要拥有第一套住房的年轻人不会被落下，”他昨天在马新社电视台的《Ruang Bicara》节目中作为嘉宾亮相时说道。

由房屋及地方政府部长倪可敏于 8 月 10 日启动的《2026-2035 年国家住房发展规划》为未来十年国家住房部门的发展方向设定了方向，涵盖六个重点领域、17 项战略和 59 项行动计划。

祖尔克弗利表示，该政策还包括解决分契式物业管理问题的措施，预计明年将对 2013 年分契式物业管理法进行修订，然后提交给政府，再提交给议会。

与此同时，KPKT住房规划司副司长J. Murali表示，该部正在完善国家经济适用房指导方针，其中位置是决定价格的因素之一。

他表示，将 30 万令吉设定为全国统一标准可能并不合适，因为吉隆坡与玻璃市、沙巴和砂拉越等州的房价和市场状况各不相同。

他说：“我们已经有了框架，现在正在完善它。我们将制定国家经济适用房指导方针，稍后会发布。”

穆拉利表示，除了价格因素外，尽管该国的住房拥有率高达 76%，但该部仍在考虑租户福利。

因此，他表示将引入《住宅租赁法》，为租户提供更明确的保护，同时保障业主利益。

穆拉里表示，2026-2035年房地产发展规划将涉及起草三项新法案，即《房地产发展法》、《楼宇经理法》和《住宅租赁法》，以及对2013年《分层地契管理法》的修订。——马新社

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