# PPAM Civil Servants Housing Scheme

What Is It

Perumahan Penjawat Awam Malaysia (PPAM) is a government affordable housing scheme launched to help civil servants, particularly low and middle-income government employees, purchase comfortable and high-quality homes at subsidized prices.

Who Is Eligible

  • Malaysian citizen.
  • Civil servant employed in the federal government, state government, local authorities, statutory bodies, or government-linked agencies.
  • Monthly household income is capped below RM10,000 or RM15,000 depending on the specific project category.
  • Retirees with government pension cards are also eligible to apply.

    • Required Documents

  • Copy of MyKad.
  • Latest monthly salary slip (showing government department logo).
  • Government service verification letter from the department head.
  • Copy of spouse's MyKad.
  • Copy of government pension card (for retired applicants).

    • Step-by-Step Procedure

    1. Register Account: Sign up on the official PPAM web portal. 2. Find Projects: Search active construction projects in different states. 3. Submit Booking: Choose a property and submit an application for approval. 4. Offer Issuance: Successful applicants are awarded the housing unit and receive a PPAM Offer Letter. 5. Secure Financing: Apply for a housing loan (commercial bank loan or government LPPSA financing). 6. Sign SPA: Visit the developer's legal office to execute the Sales & Purchase Agreement.

    Cost & Processing Time

  • Cost: Free registration. Property prices range from RM90,000 to RM300,000.
  • Processing Time: Application review and allocation takes 1 to 2 months.

    • Where to Apply

  • Online Portal: [PPAM Official Website](https://www.ppam.gov.my)

    • Important Notes

  • PPAM properties have a 10-year transfer moratorium where they cannot be sold or transferred without government department authorization.