To widen the outreach of Sarawak State Government effort in realising that nobody shall be deprived of a roof over their head, Mutiara Mortgage & Credit Sdn Bhd is implementing Islamic Financing products and businesses complied with Shariah requirement. These new / enhance Home Financing Packages will benefit a wider range of B40 group to own a house.

List of Approved Developers for HDAS (as of 13/5/2022)

Rumah Spektra Mutiara

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 time home ownership B40 & M40 groups
  • 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 authoritites

Mutiara Home Financing Scheme (MHFS)

Financing the purchase of social housing by Housing Development Corporation (HDC)

Mutiara Islamic Personal Financing (MIPF)

To cater the personal need of SARAWAK STATE CIVIL SERVANT and any other employee under the Sarawak State Agency and its Subsidiaries, with profit rate as low as 2.30% p.a. (flat).

Mutiara Home Ownership Scheme (MHOS)

A scheme to replace the financing needs of house buyer who does not meet the normal terms and conditions of financing requirements.

Mutiara Affordable Home Financing Scheme (MAHFS)

MAMFS is designed to cater the financing need of the affordable house buyer such as Spektra Medium, Spektra Permata and Sri Pertiwi Housing Program.

Mutiara Dream Home Financing Scheme (MDHFS)

A scheme to cater for Skim Pembesaran Kampung (SPK) and Skim Penempatan Semula (SPS) by Sarawak State Government. MDHFS to finance the cost of building construction of the house on the allotted piece of land.

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