How to calculate eligibility for PR1MA housing schemes in Malaysia?

Why PR1MA Eligibility Matters

The PR1MA housing scheme was created to help middle-income Malaysians own affordable homes. But not everyone qualifies. Before you apply, it’s important to calculate your eligibility based on income, age, citizenship, and property ownership. This helps avoid disappointment later in the balloting process.

PR1MA Eligibility Criteria at a Glance

To apply for a PR1MA home, you must meet the following requirements:

• Citizen: Must be a Malaysian.
• Age: At least 21 years old.
• Income: Gross individual or household income between RM2,500 and RM15,000.
• Property ownership: You must not own more than one property (first or second home is allowed).

See more: Malaysia Housing Loan vs Rental Cost Comparison Calculator

Step-by-Step: How to Calculate Your Eligibility

1. Check Citizenship and Age

You must be Malaysian and 21 years or older at the time of application.

2. Calculate Gross Monthly Income

• Gross income = salary + fixed allowances + bonuses (before deductions).
• If you’re single: your personal income must fall within RM2,500–RM15,000.
• If you’re married: combine your income with your spouse’s.

3. Verify Property Ownership

• If you do not own any property → Eligible.
• If you own one property → Still eligible (PR1MA allows second home ownership).
• If you own two or more properties → Not eligible.

4. Compare to PR1MA Range

Check if your calculated total falls between RM2,500–RM15,000. If it does, you qualify.

Eligibility Scenarios (Examples)

Scenario	Monthly Income	Property Owned	Eligible?
Single, income RM3,000	0	✅ Yes
Married couple: RM8k + RM5k = 13k	1	✅ Yes
Married couple: RM9k + RM8k = 17k	0	❌ No (exceeds income cap)

👉 If you’re calculating loan capacity after eligibility, you may want to use this home loan affordability tool.

Special Scenarios Explained

Self-Employed Applicants

• Use the average of the last 12 months of documented income (bank statements, tax filings).

Seasonal Earners (e.g., gig workers)

• Calculate your annual total income and divide by 12 for monthly gross income.

Second Home Ownership

• PR1MA allows applications if you already own one home. This is meant to support growing families upgrading to larger units.

What to Do If You’re Eligible

1. Register online at the official PR1MA portal.
2. Submit documents: NRIC, income proof, marriage cert (if applying jointly).
3. Wait for balloting results.
4. If selected, proceed with financing and loan application.

FAQs on PR1MA Eligibility

1. What is the income range for PR1MA eligibility?
Between RM2,500 and RM15,000 (individual or combined household income).

2. Can single applicants apply?
Yes, as long as you meet the age and income requirements.

3. Do spouse incomes combine?
Yes, if you apply as a couple, your incomes are added together.

4. Am I eligible if I already own one house?
Yes, PR1MA allows up to one existing property.

5. Can self-employed individuals apply?
Yes, but you must provide income documentation.

6. Is the income limit the same nationwide?
Yes, the RM2,500–RM15,000 rule applies across Malaysia.

7. Can I apply if my combined income is slightly over RM15,000?
No, exceeding the cap disqualifies you.

8. Do bonuses count as income?
Yes, they are included in your gross income calculation.