PPAM — affordable housing for Malaysian civil servants

PPAM 2026 — Affordable Housing Projects, Prices & Eligibility

PPAM is reserved for serving Malaysian civil servants and eligible retirees with a valid retirement card.

Where PPAM projects are located

PPAM affordable housing projects are developed across several states, usually sited near administrative centres and major public-sector employers. Projects differ in unit size, layout and completion stage, and each one runs its own screening and approval process, so the project you apply for matters as much as the scheme itself.

How to apply for PPAM

Applications are submitted through the official civil-servant housing channel rather than through developers. Applicants register, confirm their service status, and select the projects they want to be considered for. Because an applicant offered more than one project must choose a single unit and withdraw from the others, it is worth ranking your preferences before you apply.

What to confirm before you apply

The ten-year moratorium running from the date of the Sale and Purchase Agreement is the condition most often missed, and it restricts when the unit can be sold or transferred. Confirm the moratorium terms, the one-unit rule and current pricing for your chosen project with the relevant authority or the appointed developer before you commit.