All You Need to Know About PPAM

All You Need to Know About PPAM

You probably have seen or heard of PPAM. Ever wonder what is PPAM all about? Here, let us bring your through some of the basics of PPAM.

What is PPAM?

PPAM is an acronym for Perumahan Penjawat Awam Malaysia or Malaysia Civil Servants Housing Programme. It is an affordable housing scheme for government civil servants to help ensure that low and middle income government civil servants could afford to own homes in major urban areas.

Who are eligible to apply for PPAM?
  • Must be a Malaysian citizen
  • Must be a civil employee who work in Federal Government, State Government, State Authorities, Local Authorities, Federal Statutory Bodies and State Statutory Bodies.
  • Monthly income below RM10,000
  • Each household may apply for more than one project at a time, but the offer will be awarded to only one project (if successful)
  • Pensionable and contracted civil servants are also eligible to apply
What kind of properties do PPAM offer?

PPAM properties are purpose-built and constructed by private developers, financially supported by government funding. The housing projects are usually built in main cities throughout Malaysia especially where high demands are requested from civil servants. Property types range from apartments, terraces, semi-detached homes, townhouses, and bungalow, with sales price ranging between RM100,000 and RM400,000.

How to apply for PPAM?

Any application can be made online via, and application status can also be checked via the PPAM online portal. Firstly, applicant who are eligible must register for a PPAM online portal account.

What are the limitations of PPAM affordable homes?
  • Limited to one government housing / PPAM home per successful household
  • 10 years moratorium apply, and the purchased unit cannot be transferred / sold to a new owner without government’s permission, unless to spouse or children only.

There are several housing projects open for application at the time of writing, and information of active or opened projects will be updated from time to time in the PPAM portal. So check it out if you are interested to apply!

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This article is intended to convey general information only. It does not constitute advice for your specific needs. This article cannot disclose all of the risks and other factors necessary to evaluate a particular situation.

Any interested party should study each situation carefully. You should seek and obtain independent professional advice for your specific needs and situation.

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