Updates presented by

1 JAN - 30 JUNE 2019


The Home Ownership Campaign (HOC) 2019 is an initiative by The Honorable Tuan Lim Guan Eng, Minister of Finance to promote home ownership in Malaysia. The campaign is expected to run for a limited time only, and during this period a series of incentives are being introduced to encourage house purchases. The key real estate associations such as Sabah Housing and Real Estate Developers Association (SHAREDA), Real Estate and Housing Developers Association (REHDA) and Sarawak Housing and Real Estate Developer Association (SHEDA) are tasked to execute the campaign and created awareness for the public.

  1. Developers are required to offer a minimum discount of 10% from its APDL (Advertising Permit and Developer License) approved price.
  2. 100% stamp duty exemption on the instrument of transfer for residential units valued at RM300,001 to RM1 mil. For units ranging from RM1,000,001 to RM2,500,000, buyers will only pay 3% stamp duty.
  3. 100% stamp duty exemption on loan document for property valued up to RM2.5 million.
  4. Major banks are offering special home loan package in conjunction with the campaign.

Really, all Malaysians are eligible. It is not only open to first time home buyer, but also to investors who have multiple properties.
However, foreigners are not entitled to the HOC incentives, that includes joint name properties where one of the owner is a foreigner.

The campaign started on 1 January 2019 and will end on 30 June 2019.

Only new residential properties purchased directly from developers with APDL (Advertising Permit and Developer License) are eligible for the HOC incentives. Commercial properties are not eligible.
However, hybrid property types such as SOHO may be eligible provided it has an approved APDL, and is for residential use.
Shoplots, offices and land are not eligible.

Let’s say you purchase a property valued at RM500,000
Total saving achieved is RM61,250 when purchased during HOC.


[For Developers] Circular to SHAREDA members for registration of HOC entitlement.
Federal Government Gazette on Stamp Duty (Exemption) (No.2) Order 2019 on Loan Document - link to PUA 81
Federal Government Gazette on Stamp Duty (Exemption) (No.3) Order 2019 on Instrument of Transfer - link to PUA 82
What The Home Ownership Campaign Means To You?
Loan Schemes To Complement The National Home Ownership Campaign
Shareda And Property Hunter Co-organizing Home Ownership Campaign Expo For Homebuyers
Tackling Housing, Overhang Problems
Rehda Looks Forward To National Campaign To Tackle Property Overhang
Finance Ministry: Stamp Duty Exemption For First-time House Buyers From Jan 1, 2019
Find Your Home! New Properties at Home Ownership Campaign Expo 2019


Yes, provided that the 10% discount is reflected in the SPA and the developer registers the project/unit with SHAREDA, REHDA or SHEDA for HOC.
Not all residential projects/units by a developer are required to register under HOC. As such, we advise that purchasers speak to the developers involved for clarification before proceeding with your purchase.
No, purchasers are not imposed with any fee either by the developer, SHAREDA, REHDA, SHEDA or the Government. Only developers are imposed with the registration and certification fees.
No, purchases are for Malaysian individuals only.
Yes, you may purchase more than 1 residential properties and get exemption on all provided all the properties fulfills the criteria stated above.
No, the stamp duty waiver is only applicable for residential properties purchased from a developer (primary market) that are registered with REHDA, SHAREDA or SHEDA.

Please list down your question below and we will revert to you as soon as we can.