Rumah Spektra Mutiara (RSM) program is an affordable housing program for Sarawakians in the B40 and M40 groups who intend to build comfortable and quality residential houses on their own land. This program prioritizes landowners allocated by the Sarawak Land & Survey Department under the Village Expansion Scheme (SPK) and Resettlement Scheme (SPS) throughout the state of Sarawak.

• First house owner for B40 & M40 group.

• Sarawakian with the status of Permanent Resident of Sarawak.

• Land owner to apply financing with Mutiara for the construction cost.

• Owner of the land Approved by Land & Survey Department (L&S) on allotment of land under Skim Pembesaran Kampung (SPK) / Skim Penempatan Semula (SPS).

• Other type of registered vacant residential land is subject to the land size is compatible with the minimum building setback requirement by relevant authorities.

Yes, you can apply as a joint borrower.

No, only registered vacant residential land or land approved by the Land and Survey Department under the Village Expansion Scheme (SPK) / Resettlement Scheme (SPS) are eligible to apply.

Mutiara only finances home financing for sanctioned projects under the Sarawak State Government.

Please contact the Housing Development Corporation (HDC) at 082-444 381 to apply for a house under the Sarawak State Government project.

No, Mutiara only finances housing loans for sanctioned projects under the Sarawak State Government.