Building a House: Resource Centre

Tools

All free, no registration, and no income figures are stored.

• House construction cost estimator A construction cost estimate with the full formula shown.
• Financing eligibility check LPPSA and bank — the amount, instalment, tenure and the limit binding you.
• Land readiness check Title, category, express conditions, access and utilities.

The building process

• Building on your own land Hub: scope, cost and what we handle.
• The 12-step workflow Duration, documents, risks and tips for every step. 31 documents listed.
• Gold & Silver packages A comparison across 15 specification categories.
• Council approval & the CCC The plan approval process, Form G, and the real timeline.
• Staged payment schedule Seven stages, with the verification required at each.
• Warranty terms What is covered, what is not, and how to make a claim.
• Renovation & extensions For existing homes: extra rooms, floors and upgrades.

Financing

• Financing a build Hub: the four routes compared.
• LPPSA financing The full eligibility rules, documents and a worked example.
• Bank loans DSR, margin, the real deposit and documents.
• LPPSA or a bank? A nine-row comparison, with calculations.
• Zero deposit scheme How it works, and what you still have to pay.
• EPF Account 2 withdrawal When it is worth it, and when it costs you.
• Paying cash A simpler process, the same rate.
• Financing through CIMB Our panel status and the application order.
• Financing through Maybank Our panel status and the application order.

Designs & reference

• 62 house plans The full catalogue with floor areas, rooms and cost estimates.
• Glossary of terms CCC, DSR, margin, building setbacks, Form G and more.
• Project portfolio Real site photographs, from structure to completion.
• FAQ The questions asked most often, answered directly.

Company & policies

• About RumahHQ The entity, CIDB registration, how we work and what can be verified.
• Contact us WhatsApp, phone, email and location.
• Privacy policy What data we collect, where it goes, and your rights.
• Disclaimer The limits of the estimates, the eligibility tool and third-party information.

Articles

• Building on Agricultural or Inherited Land: Check This First Agricultural land, an unsettled estate, joint title or no road? How to read your title, convert land use, and the right order before building on your own land.
• How to Choose a Single-Storey Bungalow Plan: 2026 Guide A guide to choosing a single-storey bungalow plan: land size, number of rooms, the three-zone layout, sun direction and budget, with a real floor plan example.
• LPPSA's RM1 Million Limit 2026: What It Means for Building a House The LPPSA financing limit rises to RM1 million: 4% on the first RM750,000, 4.5% on the rest. Instalment examples, the income you need, and when it starts.
• Building a House with a Bank Loan: DSR, Margin & Deposit How banks assess a loan to build on your own land: DSR, margin, the real deposit and staged disbursement, with a full worked example.
• Cost to Build a House on Your Own Land 2026: The Real Figures The real cost of building a house on your own land in Malaysia in 2026, fully broken down: psf rates, council approval, meters, and eight costs people forget.
• LPPSA Eligibility to Build a House 2026: Work It Out Yourself How to calculate your LPPSA financing eligibility to build on your own land: the full rules, a step-by-step worked example, and five ways to raise it.

All articles