Budget 2027 wishlist: Rehda wants wider housing loan access, special campaign for unsold units

The Real Estate and Housing Developers' Association (Rehda) Malaysia has proposed several measures for Budget 2027 to enhance housing affordability and accessibility, including improvements to the Housing Credit Guarantee Scheme (SJKP) and the introduction of new financing structures.

The association seeks extensions to stamp duty relief and advocates for a special Home Ownership Campaign for unsold residential units.

Rehda suggests government-backed financing mechanisms to support those with unconventional incomes and recommends fiscal incentives for technological advancements and sustainable housing development.

These proposals are aimed at addressing the challenges of high upfront housing costs and the rising cost of housing delivery.

KUALA LUMPUR, Sept 23 — Enhancing the Housing Credit Guarantee Scheme (SJKP) and introducing improved financing structures are among the proposals made by the Real Estate and Housing Developers’ Association (Rehda) Malaysia for Budget 2027.

The association is also seeking an extension of existing stamp duty relief and a special Home Ownership Campaign (HOC) for unsold completed residential units.

Rehda president Datuk Zaini Yusoff said the proposals, which have been submitted to the Ministry of Housing and Local Government and the Ministry of Finance, are aimed at addressing constraints faced by homebuyers as well as the rising cost of housing delivery.

He said among the key proposals is an enhancement of the SJKP to widen access to financing, particularly for young Malaysians, the self-employed and those without fixed or conventional incomes.

“Access to housing financing remains a major barrier to house ownership, particularly for young Malaysians, the self-employed and purchasers with low or non-traditional incomes,” said Zaini at a media briefing on Rehda’s Property Industry Survey for the first half of 2026 (1H 2026) here today.

Rehda also proposed government-backed housing financing or guarantee mechanisms, as well as stepped-up financing structures that would allow lower repayments during the initial years of house ownership.

He said the measures would help prospective buyers who have the capacity to service monthly housing repayments but struggle with the upfront costs of purchasing a home.

Most prospective buyers, especially those in the Bottom 40 (B40) group, have the capacity to service their monthly housing repayments, but they face difficulty accumulating sufficient savings for stamp duty and other initial acquisition costs, said Zaini.

“Normally, coming up with that 10 per cent is difficult for them. So, we are asking the government to help on this,” he said.

On stamp duty, Zaini said Rehda proposed extending the existing relief to residential properties priced above RM500,000 and up to RM1 million, with an appropriate tiered relief mechanism for purchases made between January and December 2027.

He said Rehda has also proposed measures to address unsold completed residential units, including a special HOC for such properties that have obtained the Certificate of Completion and Compliance.

“There are a lot of overhang units, so we want to address these units first,” said Zaini.

Rehda’s survey indicates that 59 per cent of 181 respondents had unsold completed residential units as of June 30. The reasons cited include rejection of end-financing applications, high property prices, and unreleased Bumiputera units.

He said a targeted HOC could improve market liquidity and allow capital tied up in unsold properties to be recycled into new developments.

Rehda is advocating for data-driven housing planning to better align future housing supply with actual demand, preventing supply-demand mismatches.

Zaini emphasised that reducing the cost of housing delivery is another priority, given rising infrastructure, utility, statutory, regulatory and compliance costs borne by developers.

“Housing affordability is influenced not only by purchasers’ access to financing but also by the cost of developing and delivering homes.

“We are asking the government to look at these costs again. Once these are reduced, developers can also reduce prices significantly,” he said.

Rehda is also seeking fiscal incentives to accelerate construction productivity, technology adoption and digitalisation, including incentives for investments in Building Information Modelling, Industrialised Building System, artificial intelligence, automation, software and equipment.

Proposals include accelerated capital allowances and investment tax allowances for qualifying expenditures in these areas.

The association also called for measures to accelerate green and sustainable housing development as part of its Budget 2027 proposals. — Bernama

* Editor’s note: SJKP is the abbreviation in Malay for Skim Jaminan Kredit Perumahan.

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马来西亚房地产发展商协会（Rehda）已向 2027 年财政预算案提出多项措施，以提高住房的可负担性和可及性，包括改进住房信贷担保计划（SJKP）和引入新的融资结构。

该协会寻求延长印花税减免期限，并倡导针对未售出的住宅单元开展一项特殊的“房屋所有权运动”。

房地产发展商协会建议政府支持融资机制，以帮助那些收入非常规的人，并建议对技术进步和可持续住房发展提供财政激励。

这些提案旨在解决住房前期成本高昂和住房交付成本不断上涨的挑战。

吉隆坡，9月23日讯——马来西亚房地产发展商协会（Rehda）在2027年财政预算案中提出的建议包括：加强房屋信贷担保计划（SJKP）和引入改进的融资结构。

该协会还寻求延长现有的印花税减免政策，并为未售出的已竣工住宅单元开展一项特别的房屋所有权活动 (HOC)。

马来西亚房地产发展商协会主席拿督扎伊尼·尤索夫表示，这些提案已提交给房屋及地方政府部和财政部，旨在解决购房者面临的限制以及不断上涨的住房交付成本。

他表示，其中一项关键提议是加强华小，以扩大融资渠道，特别是针对马来西亚青年、个体经营者和没有固定或传统收入的人。

“获得住房融资仍然是购房的主要障碍，尤其是对于马来西亚年轻人、自雇人士以及收入较低或非传统收入的购房者而言，”Zaini 今天在此举行的马来西亚房地产发展商协会 (Rehda) 2026 年上半年房地产行业调查媒体简报会上表示。

马来西亚房地产发展商协会（Rehda）还提出了政府支持的住房融资或担保机制，以及分阶段融资结构，允许在房屋拥有的最初几年降低还款额。

他表示，这些措施将帮助那些有能力支付每月住房贷款，但难以承担购房前期费用的潜在购房者。

Zaini表示，大多数潜在购房者，尤其是底层40（B40）群体，有能力支付每月的住房贷款，但他们很难积累足够的积蓄来支付印花税和其他初始购房成本。

他说：“通常情况下，他们很难拿出这10%的资金。所以，我们请求政府在这方面提供帮助。”

关于印花税，扎伊尼表示，马来西亚房地产发展商协会（Rehda）提议将现有的减免政策扩大到价格在 50 万令吉至 100 万令吉之间的住宅物业，并为 2027 年 1 月至 12 月期间的购买制定适当的分级减免机制。

他表示，Rehda 还提出了解决已竣工但未售出的住宅单元的措施，包括为已获得竣工和合规证书的此类房产设立特殊的 HOC。

“有很多悬挑单元，所以我们想先解决这些单元的问题，”扎伊尼说。

马来西亚房地产发展商协会（Rehda）的调查显示，截至6月30日，181名受访者中有59%的人有已竣工但尚未售出的住宅单位。给出的理由包括最终融资申请被拒、房地产价格高企以及土著单位尚未推出。

他表示，有针对性的房屋所有权变更可以改善市场流动性，并使未售房产中占用的资金能够重新投入到新的开发项目中。

马来西亚房地产发展商协会 (Rehda) 提倡以数据为导向的住房规划，以更好地使未来的住房供应与实际需求相匹配，防止供需不匹配。

Zaini强调，鉴于开发商承担的基础设施、公用事业、法定、监管和合规成本不断上升，降低住房交付成本是另一项优先事项。

“住房负担能力不仅受购房者获得融资渠道的影响，还受房屋开发和交付成本的影响。

“我们要求政府重新审视这些成本。一旦这些成本降低，开发商也可以大幅降低价格，”他说。

马来西亚房地产发展商协会 (Rehda) 还寻求财政激励措施，以加快建筑生产力、技术采用和数字化进程，包括对建筑信息模型、工业化建筑系统、人工智能、自动化、软件和设备等方面的投资激励。

提案包括对这些领域符合条件的支出给予加速资本补贴和投资税收补贴。

该协会还在其2027年财政预算案提案中呼吁采取措施，加快绿色和可持续住房的发展。——马新社

* 编者注：SJKP 是马来语 Skim Jaminan Kredit Perumahan 的缩写。

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