Budget 2027: RM20b guarantee to help self-employed first-time buyers get loans | 2027预算：200亿担保助自雇首购族申请房贷

Budget 2027 provides up to RM20 billion in financing guarantees through the Housing Credit Guarantee Scheme (SJKP) to help 80,000 first-time homebuyers, especially self-employed Malaysians without a fixed income. Prime Minister Datuk Seri Anwar Ibrahim announced it on 9 October 2026, together with stamp duty relief for first homes.

2027年财政预算案通过房屋信贷担保计划（SJKP）提供高达200亿令吉融资担保，协助8万名首次购屋者，尤其是没有固定收入的自雇大马人。首相安华于2026年10月9日宣布，同时公布首购屋印花税减免。

Key points 重点

• Up to RM20 billion in SJKP guarantees for 80,000 first-time buyers SJKP 提供高达200亿令吉担保，惠及8万名首购族
• Focus on self-employed buyers without a fixed income 重点协助无固定收入的自雇人士
• Full stamp duty exemption for first homes up to RM500,000; for homes up to RM750,000, the first RM500,000 is exempt and the rest gets 50% off 首购屋50万令吉以下全免印花税；75万令吉以下房屋首50万全免，余额减免50%
• Stamp duty relief applies to SPAs signed from 1 Jan 2027 to 31 Dec 2030 印花税减免适用于2027年1月1日至2030年12月31日签署的买卖合约
• Almost RM1 billion for Rumah Mesra Rakyat and PRR housing, including a new project in Kulai, Johor 近10亿令吉拨款给 Rumah Mesra Rakyat 及人民组屋计划，包括柔佛古来一个新项目

What it means for buyers 对买家的意义

Business owners, freelancers and commission earners often find it harder to get a home loan approved. A government-backed guarantee can make banks more willing to lend to them. Combined with the stamp duty relief, Malaysian first-time buyers looking at homes in the RM3XXK to RM5XXK range in Johor Bahru could see lower upfront costs from 2027. These measures are for Malaysian first-time buyers; Singaporean and other foreign buyers are not covered. Full eligibility details are still to be announced.

生意人、自由业者及靠佣金收入的人士，一般较难获批房贷。政府担保可提高银行放贷意愿。加上印花税减免，在新山考虑 RM3XXK 至 RM5XXK 房子的大马首购族，2027年起前期开销可望减少。以上措施只适用于大马首购族，新加坡及其他外国买家不在其列。详细资格条件仍待公布。

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Sources: Bernama (9 Oct 2026); Bernama (9 Oct 2026); The Star (9 Oct 2026).