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What is Residensi Wilayah?

Residensi Wilayah is a government-sponsored housing program specifically designed to provide affordable housing options for low- to middle-income earners within the Federal Territories of Kuala Lumpur, Labuan, and Putrajaya in Malaysia. This initiative, overseen by the Jabatan Wilayah Persekutuan (JWP), aims to address the housing challenges faced by Malaysians due to rising property prices and limited affordability.

To be deemed eligible for the Residensi Wilayah program, potential purchasers must meet specific criteria that have been established to ensure the program’s intended beneficiaries benefit from the affordable housing opportunities. The eligibility requirements for Residensi Wilayah are as follows:

  1. Malaysian Citizenship: Applicants must hold Malaysian citizenship as the program is exclusively designed for the local population.
  2. Age and Income: Specific age and income restrictions are in place to target low- to middle-income earners. Generally, applicants must be at least 18 years old, and their household income should fall within RM 10,000 for single & RM 15,000 for married couple.
  3. Residential Status: Applicants should not own any other property within the Federal Territories where the Residensi Wilayah project is located. This condition ensures that the program primarily benefits first-time homebuyers.
  4. Priority for Residents: Priority is often given to individuals who are already residents or actively working within the Federal Territories. This preference is intended to provide housing opportunities for those who are connected to the area and have a genuine need for affordable homes.

Residensi Wilayah housing units are priced below the market rate RM 300,000 & below, offering a more accessible option for potential homeowners. The exact pricing is contingent upon factors such as the specific project, location, and size of the unit. The primary objective is to enable low- to middle-income earners to enter the property market, thereby alleviating the financial burden associated with homeownership.

To further support eligible buyers, the Residensi Wilayah program may provide various financing options and incentives. These measures aim to facilitate affordable homeownership and assist those who meet the program’s requirements in their pursuit of property ownership.

The Residensi Wilayah developments are strategically situated within the Federal Territories, ensuring convenient access to transportation networks, educational institutions, healthcare facilities, and commercial centers. These advantageous locations enhance the overall quality of life for residents and contribute to the establishment of sustainable, well-connected communities.

In conclusion, Residensi Wilayah represents a dedicated and government-backed affordable housing program that addresses the housing needs of Malaysians within the Federal Territories. Through accessible pricing and specific eligibility criteria, the program empowers low- to middle-income earners to realize their aspirations of affordable homeownership. By providing well-located, affordable housing options, Residensi Wilayah plays a pivotal role in fostering inclusive communities and improving the overall socio-economic well-being of the Federal Territories.

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Residensi Wilayah Lift Problem?

During peak hours, using the lift in many Residensi Wilayah condominiums or apartments may not be a pleasant experience. According to NST , Malaysia also has the highest diabetes prevalence in Southeast Asia. Walking the stairs may sound like a tiring thing to do but looking at the current health problems we Malaysian face; it’s really not a bad idea.

Walking the stairs can be a great way for people with diabetes or pre diabetic to get some physical activity and improve their overall health. There are several benefits to walking the stairs for people with diabetes:

  1. Improves cardiovascular health: Walking the stairs can help improve cardiovascular health by increasing heart rate and strengthening the heart muscles. This can be especially beneficial for people with diabetes, as they are at a higher risk of heart disease.
  2. Increases insulin sensitivity: Regular physical activity, such as walking the stairs, can increase insulin sensitivity, which helps the body use insulin more effectively. This can help lower blood sugar levels and improve overall blood sugar control for people with diabetes.
  3. Helps with weight management: Walking the stairs can help people with diabetes burn calories and maintain a healthy weight, which can help improve blood sugar control and reduce the risk of other health conditions.
  4. Reduces stress: Physical activity, such as walking the stairs, can help reduce stress and improve mental health. This can be especially beneficial for people with diabetes, as stress can affect blood sugar levels and overall health.

Taking the stairs only 3 times a week is something achievable and truly beneficial and the cost of living is rising higher in the coming days, consider researching about intermittent fasting too as you will spend less and be healthier too! With a positive mindset, a Residensi Wilayah condominium maybe the best purchase of your lifetime.

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Residensi Wilayah : Reasons Malaysian Fail to get one!

10) SCAM

There is countless misleading advertisement on Facebook and Instagram about Residensi Wilayah which cost more than RM 300,000. They are not Residensi Wilayah or RUMAWIP (former name). Malaysians generally get confuse because of this and also the constant change of the name of this welfare program. It is now known as Residensi Wilayah Keluarga Malaysia.

9) Self Application

Malaysians to apply through the official channel often delay in submission as that lack the experience to do it themselves speedily. For eg. Residensi Armani ( sold out in a few days. Only experience real estate agent focus on Residensi Wilayah can help you to stay ahead.

8) Inexperience Real Estate Agent

Malaysians who buy through agent who advertise in Facebook or Instagram adverts risk booking with first timer real estate agent in dealing with Residensi Wilayah, those who book through them becomes the guinea pig! Application approval maybe delay, fail or possible ban for a year if the specific agent does not study the requirement for Residensi Wilayah Keluarga Malaysia. Some newbie agent will request that the applicant to apply for approval from the government themselves.

7) Slow in Submission of Relevant Documents

Experience agent will be handling your submission for approval for your purchase of a Residensi Wilayah unit, he or she requires your cooperation in giving out your personal documents speedily. You won’t be able to secure a unit before obtaining the government approval.


CTOS is Malaysia’s leading Credit Reporting Agency (CRA) under the ambit of the Credit Reporting Agencies Act 2010 which is privately managed. When an individual did not settle debt such as phone bill, credit card payment & etc, your CTOS scoring will be red and it may or may not hinder your mortgage approval.


CCRIS stands for Central Credit Reference Information System wholly owned and operated by BNM (Bank Negara Malaysia) to facilitate credit risk management among banks. A bad CCRIS record will definitely affect your loan application. Most Residensi Wilayah applicants have a bad CCRIS record because they default on their PTPTN payment or have zero CCRIS record (don’t have any form of borrowing from the bank) which makes it hard for the bank to classify you as a good payment master.

4) Bumi & Non Bumi Quota

There is a 50/50 quota for Bumi & Non Bumi enforce on all Residensi Wilayah projects. For example, the location Cheras is the favourite among the Chinese community. If a Chinese applicant did not book a unit earlier on, did not submit the relevant documents to the agent who handle the application process for government approval or to the bank for the application of loan in the shortest time possible; he or she will not be able to secure a unit. In the same location, Bumiputera will find it really easy!

3) Bank Loan Quota

The is a specific amount of quota allocated for each Residensi Wilayah project. Most Residensi Wilayah applicant are applying for My First Home Scheme (100% + 10% Financing) which only certain bank are allowed to provide; if the quota is taken up the other applicants must be able to fork out RM 30,000 for down payment to secure a 90% + 10% financing.

2) Slow in Registration

Developer in the beginning often take in a limited amount of registration before the official launch. First time Residensi Wilayah applicant will usually wait till the gallery is open before registering or booking and realise it’s too late (applicable for prime location projects only). The approach of book first & decide later works best in getting a Residensi Wilayah unit!

1) No Insider Information

The easiest way to get a Residensi Wilayah unit is going through an agent who specialise in this. By engaging with us in; we will handle the application process for you, assist you to get the best banking loan & keep you ahead of others as we are the one with the insider news!

Please subscribe to our Telegram Update by clicking the button below . The picture you are looking at maybe the NEXT AWAITED DUTAMAS RESIDENSI WILAYAH THAT IS 900SQFT (Freehold) project ya!

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Keying in a Wrong IC Number for Residensi Wilayah Application(KWP Website)

First you can go to the official KWP contact page to clarify this by clicking HERE . The problem with this is you may need to invest quite an amount of time to rectify this and time is not necessary siding you when you are applying for a Residensi Wilayah Keluarga Malaysia’s project (RWKM). Fyi Residensi Sutera sold out within days!

Here is my simple solution, just create a new account for your email specifically for the application Residensi Wilayah Keluarga Malaysia. For example, is your email. Then register a new account with and key in you IC address again! This will save you time or you can just contact us when you are considering to buy as we provide free service of all these administrative work for all our clients. Just direct message us with the WhatsApp button below on the left!

Please subscribe to the telegram channel by clicking the button below to be updated with the latest Residensi Wilayah’s project & always deal with an experience agent from in order to successfully secure your favourite Residensi Wilayah unit!

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Minimum or Maximum Salary for Residensi Wilayah

The minimum net salary (after deducting EPF & SOCSO) for the applicant of Residensi Wilayah if the person is age 35 years old or below is roughly RM 2500 provided that the person does not have any borrowings under his or her name & the interest rates for the housing loan is 4.2% or below (this is including MRTA too). This is because most Residensi Wilayah applicants is taking up My First Home Scheme (110% home loan) which require the debt service ratio (DSR) to be within 60%; if the person goes for (90+10%) the requirement of DSR is generally 70%. For example, the average monthly payment for a Residensi Wilayah worth RM 300,000 inclusive of MRTA is RM 1,400 & you earn a net salary of RM 2500 ( 1400 / 2500 = 0.54/54%) DSR 54%. Please take note that each bank will look into this differently as some do not provide My First Home Scheme which is the primary choice of financing for most Residensi Wilayah buyer. Variable income such as commission’s is recognise at 50-80%, which means RM 100 commission earned is recognise at RM 50-80 depending on the individual bank. Commissioner earner without a basic salary and self employed is not entitle for My First Home Scheme.

The maximum salary of an individual who is eligible to buy Residensi Wilayah is gross income of RM 10,000 (before deducting EPF & SOCSO). As for married couple is gross income of RM 15,000. Please take in your year end bonus and divide it by 12 months to calculate your exact gross salary and never let an inexperience agent mess up your application. If you are new to this, click HERE for assistance on this.

My First Home Scheme Eligibility Criteria

  • Must be a Malaysian citizen
  • First time house buyer
  • Salaried worker ONLY “self-employed individuals / fully commission earner will be rejected”
  • Single or joint applicants
  • Residential and owner occupied property
  • Property value up to RM500,000
  • Gross monthly household income up to RM5,000 for single applicant/RM10,000 for joint applicants (does not apply to Bank Islam and MBSB)
  • Financing up to 110% *
  • No record of impaired financing for the past 12 months (some bank maybe more lenient)

Please subscribe to the telegram channel by clicking the button below to be updated with the latest Residensi Wilayah’s project & always deal with an experience agent from in order to successfully secure your favourite Residensi Wilayah unit!

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My First Home Scheme

Most Residensi Wilayah buyer are using My First Home Scheme to purchase their Residensi Wilayah (now known as Residensi Wilayah Keluarga Malaysia). My First Home Scheme is a housing loan loan up 110% (extra 10% reserve for MRTA/MLTA & legal fee if needed).

Eligible Applicants

  • Malaysian
  • First time buyer and without joint name with any existing housing loan
  • Salaried Worker (self employed/fully commission based income earner have little to zero chance of approval)
  • Gross Monthly Income of RM 5000 or below
  • Allow single or joint applicants (Both applicants must earn a net salary of RM 5000 or below) unless that specific Residensi Wilayah project brought in Bank Islam or MBSB which allows applicants to earn more than RM 5000 for My First Home Scheme “subject to approval” (Divorcee please read THIS)
  • Good CCRIS record (the banks view this differently)
  • Applied to property that is RM 500,000 and below
  • Max Tenure 35 years subject to the age of applicant not exceeding 70 years of age at the end of financing tenure.
  • Non Flexi Loan – zero flexibility to withdraw if additional funds is paid for the instalment
  • DSR requirement is at 60% & below (bank recognise variable income differently, for example Bank A may only recognise 50% of total amount of commission earn )

DSR (Debt Service Ratio) is total monthly loan payment divide by net income & DSR requirement for 90% housing loan is usually at 70% & below. Here is another article related to this topic.

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Rebranding Residensi Wilayah to Residensi Wilayah Keluarga Malaysia

YB Dato 'Seri Dr. Shahidan bin Kassim, Minister of Federal Territories rebranded the Residensi Wilayah to Residensi Wilayah Keluarga Malaysia (RWKM) during the Royal Decree Debate session in the Dewan Negara on 11 October 2021. This decision is in line with the 'Keluarga Malaysia' concept which emphasizes the importance of the family as the smallest institution in building society. This branding illustrates the importance of owning a comfortable home in shaping the well being of a family.

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