Nabil Luqman

0f9d2dd4f71434084e2b6094de1865e23abb37bb9f28ca51feeabee679ec9be2

Money

debt

Bank Negara Malaysia

home

reform

financing

personal

repayer

early

Bank Negara Malaysia (BNM) has released a draft proposal outlining key reforms for personal financing practices, including abolishing the controversial Rule of 78 interest calculation method and reclassifying certain home financing products under stricter terms. The move aims to ensure fairer lending practices, greater transparency, and financial stability, particularly in light of rising household debt concerns.
Abolishing the Rule of 78 and Flat Rate Interest
<img src="https://r2.myc.my/768c4ceba9f377ef78449d13331fa9bb96d099c1777489eeea6bd59ea9704682" />
The Rule of 78 has long been criticized for its unfair interest calculation. Under this method, a loan's total interest is pre-calculated based on the original principal, meaning borrowers do not enjoy interest savings even if they settle their loans early. BNM's proposal seeks to eliminate this method for personal financing, a change that aligns with broader efforts to reform lending practices, including amendments to the Hire Purchase Act 1967, set to be tabled in Parliament in early 2025.
Going forward, financial service providers (FSPs) will be restricted to offering personal financing products that calculate interest using either:
<ul>
<li>A fixed or floating rate; or</li>
<li>Interest charged on the remaining principal balance after payments toward the principal are deducted.</li>
</ul>
FSPs will be required to disclose the effective interest rate (EIR), the total repayment amount, and detailed explanations of interest calculations (e.g., daily or monthly reducing balance methods). For floating-rate loans, providers must also explain the conditions for interest rate adjustments, their impacts, and the option for customers to maintain original instalment amounts.
Home Financing Products Reclassified as Personal Financing 
<img src="https://r2.myc.my/ee6941c85768329071803d9f3287d7a16568ddf6abf968f39546cd7dc79515a7" />
In a major shift, BNM proposes to treat specific types of home financing products as personal financing and cap their tenure at 10 years. This applies to cases where:
<ol>
<li>Additional financing exceeds the outstanding amount on a refinanced home loan.</li>
<li>Extra financing is taken beyond the original loan amount after partial repayment.</li>
<li>Financing is secured by a property with no existing mortgage.</li>
</ol>
To prevent misuse, FSPs will need to verify the actual purpose of the financing by requiring supporting documents. Exceptions to the 10-year cap include financing strictly for:
<ul>
<li>Renovations.</li>
<li>Mortgage-reducing term assurance (MRTA) or takaful.</li>
<li>Legal fees, education, or business purposes.</li>
</ul>
Additionally, the cap does not apply if the new financing amount, combined with the outstanding balance, does not exceed the original loan amount and tenure, or if it involves pre-paid amounts or extra repayments.
Addressing Household Debt and Reducing Loan Tenures 
<img src="https://r2.myc.my/2175950407c42094a9d395847c76c7736a7a1bd9c653fcdb674d4258a95b4d79" />
BNM is also seeking public feedback on whether the maximum tenure for personal financing should be reduced further to seven years, as practiced in other countries like Australia and Singapore. Currently, Malaysia allows a maximum of 10 years.
The proposal comes in response to growing concerns over household debt levels. As of end-2023, Malaysia's aggregate household debt stood at RM1.53 trillion, with 12.6% attributed to personal financing. Alarmingly, personal financing accounted for 46.26% of total bankruptcy cases in 2023, while 32.8% of loans under the Debt Management Programme managed by Agensi Kaunseling dan Pengurusan Kredit (AKPK) also comprised personal financing.
BNM emphasizes that shorter tenures encourage responsible borrowing and reduce long-term financial risks. The central bank is now inviting feedback from the public and industry stakeholders on the proposed tenure reduction, its feasibility, and potential challenges.
The Future of Lending in Malaysia
These proposed changes reflect BNM's commitment to improving transparency, responsible lending, and protecting borrowers from predatory financial practices. By abolishing outdated methods like the Rule of 78 and capping tenures for personal financing, BNM hopes to strike a balance between consumer affordability and long-term financial stability.
Public feedback on the draft proposal is open until February 14, 2025, and can be submitted electronically through <a href="https://forms.office.com/r/HFWD3UZFEf">BNM&rsquo;s official feedback form</a>. This initiative marks a significant step toward fostering a healthier lending ecosystem in Malaysia.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Are these changes the key to tackling rising household debt? Let’s find out.

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Bank Negara Malaysia Proposes Major Reforms In Personal & Home Financing Rules For Early Repayers

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Scentify

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Oatside

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Rohto

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Beginning 1 July 2025, it will be compulsory for all drivers and passengers on express and tour buses in Malaysia to wear seat belts. The Road Transport Department (JPJ) has announced that failure to comply with this new regulation will result in a RM300 compound fine.
The move is part of a broader initiative by JPJ to improve road safety and reduce the number of fatalities and serious injuries involving public buses, particularly on long-distance journeys across the country.
Stricter Enforcement After Years of Advocacy
&nbsp;<img src="https://r2.myc.my/72421fa8a71efec306d7beff837119d1296d2e321b8ad5291260b1dffc3a7feb" />
According to JPJ Director-General Datuk Aedy Fadly Ramli, the department had previously relied on advocacy and education campaigns to promote the use of seat belts. However, this approach will be replaced by strict enforcement starting this Tuesday.
&ldquo;Previously, we took an advocacy approach, but from now on, we will be enforcing this requirement without compromise,&rdquo; he said during a recent event at Universiti Malaysia Kelantan (UMK), adding that the time for leniency is over.
The new enforcement measure will not only apply to passengers who neglect to buckle up, but also to bus drivers who fail to ensure their passengers do so. In fact, drivers who do not remind passengers to wear seat belts will be fined, and action may also be taken against the bus company involved.
Regulation Applies to Buses Built After 2020
&nbsp;<img src="https://r2.myc.my/ecb309b7270aefda81efa45c14c514b7ccdb2019b1c64dcd41d996b2da8d95ba" />
The seat belt regulation will initially apply to buses manufactured from 1 January 2020 onwards. These vehicles are already subject to laws requiring them to be equipped with seat belts at every passenger seat.
Buses manufactured before 2020 will be given a grace period to retrofit the required seat belts. Aedy Fadly explained that JPJ is currently engaging with bus operators and stakeholders in the public transport industry to facilitate the process of upgrading older buses.
A formal directive outlining the timeline and technical specifications for retrofitting will be issued soon, he said, to ensure consistent implementation across the sector.
Drivers, Operators, and Passengers All Share Responsibility
&nbsp;<img src="https://r2.myc.my/12ad8d23ea627582ae2f150840de354f0ff09b2865098b99dda466f369b2140d" />
Under the new regulation, the responsibility of ensuring seat belt use no longer rests solely on passengers. Bus drivers are required to inform passengers of the rule before departure and ensure compliance throughout the journey.
&ldquo;If a passenger refuses to wear a seat belt despite being reminded, then the passenger will be fined. However, if there is no reminder given by the driver, then both the driver and the operator will also be liable,&rdquo; Aedy clarified.
To ensure accountability, JPJ will monitor compliance using onboard CCTV footage and passenger statements during enforcement operations. The department has also recommended that bus companies develop internal standard operating procedures (SOPs) to guarantee that all safety protocols, including seat belt usage, are followed.
Improving Safety Standards on Public Transport
&nbsp;<img src="https://r2.myc.my/e224dc864f3431e999c258dcfa8885d67339c18bec9803d82b44b1d4d421380d" />
This regulation marks a significant step forward in raising safety standards within Malaysia&rsquo;s public transportation system. Long-distance and tour buses are frequently involved in road incidents, and the lack of seat belt usage has been identified as a major contributing factor to passenger injuries and fatalities.
By mandating seat belt use, JPJ hopes to instil a culture of safety and responsibility among public transport users. &ldquo;The use of seat belts is one of the most basic yet effective ways to reduce harm in the event of an accident,&rdquo; Aedy said.
The department&rsquo;s decision comes after repeated calls from road safety advocates to modernise and enforce safety equipment regulations on buses, particularly as other countries in the region have long adopted similar measures.
Support and Challenges Ahead
While the regulation has been welcomed by many safety groups and members of the public, it also presents logistical and financial challenges for some bus operators, especially those with large fleets of older vehicles.
Nevertheless, JPJ&rsquo;s phased approach, combined with ongoing engagement sessions, is designed to give operators enough time to comply. In the long run, the move is expected to significantly enhance the quality and safety of public bus services in Malaysia.
For now, both passengers and operators are urged to take the new rule seriously, as enforcement officers will be carrying out checks starting 1 July. Failure to wear a seat belt&mdash;whether due to oversight or neglect&mdash;will no longer be tolerated.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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With passenger safety now a priority, both drivers and passengers must buckle up—or face a RM300 fine.

7b832ebb3a2f8024859c359262f3ad0d080ea733ea045d096a10453e1419c80a

Seat Belts Compulsory On Express And Tour Buses Starting 1 July 2025

A Vietnamese passenger was fined VND4 million (approximately RM650) after joking about carrying a bomb while disembarking from a Malaysia Airlines flight at Hanoi&rsquo;s Noi Bai International Airport. The offhand remark triggered a full-scale security response, serving as a stark reminder that jokes about explosives are no laughing matter in the context of aviation safety.
Offhand Comment Triggers Emergency Protocol
&nbsp;<img src="https://r2.myc.my/cde1affadcb70c47155c98f20091da1ccef4e5e6360d5c11f549262c1d2c9494" />
The incident took place on 22 June 2025, shortly after Malaysia Airlines flight MH752 from Kuala Lumpur landed in Hanoi. As passengers were exiting the aircraft, a flight attendant approached one of the male passengers and inquired about the long, black carry-on case he was holding. The man responded with a single word&mdash;&ldquo;Bomb.&rdquo;
Though seemingly brief, the response set off the airport's full emergency response protocol. The crew immediately alerted authorities, leading to the passenger being escorted off the aircraft. He was detained and questioned by a coordinated team involving immigration police, airport police, aviation security personnel, Malaysia Airlines officials, and staff from Vietnam Airport Ground Services (VIAGS).
No Threat Found, But Fine Imposed
&nbsp;<img src="https://r2.myc.my/b8ff922903011df2a333e3a3ca82d80794896a141d616dcadb40aaf68b3911ba" />
A comprehensive inspection was carried out on both the passenger and his luggage. The black case in question was thoroughly examined and found to contain only a computer keyboard and a mouse. No weapons, explosives, or prohibited items were discovered.
The man later admitted that his comment was intended as a joke, claiming he was unaware of how serious such statements are taken in aviation contexts. He apologised to the authorities, acknowledging his poor judgement. Despite the absence of any real threat, he was fined VND4 million under Vietnamese civil aviation regulations for causing public alarm and disrupting airport operations.
Airport Authorities Issue Public Warning
&nbsp;<img src="https://r2.myc.my/8712c719150c06edfb4949fa352c1ed783659e0fbfad132310cbd2414cdce163" />
Following the incident, Noi Bai International Airport issued an official statement on social media, particularly through its Facebook page, reminding all passengers that jokes involving bombs, weapons, or explosives are strictly prohibited in airport areas and on aircraft.
The airport stressed that such comments, even when made casually or in jest, can incite fear and panic among other passengers, delay flight operations, and consume emergency resources. They also reiterated that security protocols must be triggered immediately in such situations, regardless of intent or context.
An officer from the airport&rsquo;s Emergency Command Centre added that had the joke been made during boarding or pre-flight procedures, the consequences could have been even more severe. &ldquo;The flight could have been delayed or grounded, and security screening halted,&rdquo; he said. &ldquo;Even false alarms can cost time, money, and cause stress to hundreds of people.&rdquo;
Public Urged to Avoid Security-Related Jokes
<img src="https://r2.myc.my/1e96895fcf09e56ef86f81b56c7a3a7a45ef2bcbffa2ff4477128762c2b15057" />
Officials used the opportunity to remind passengers to cooperate fully with security personnel and refrain from making inappropriate remarks. They also encouraged the public to educate family members, especially children, about the seriousness of airport security rules.
&ldquo;Anyone who violates these rules will be held fully accountable,&rdquo; read the official statement. &ldquo;Respecting these protocols helps ensure the safety and comfort of everyone travelling.&rdquo;
Malaysia Airlines and Aviation Safety Under Spotlight
While the incident was handled professionally, it once again places a spotlight on the challenges airlines and airports face in balancing passenger experience with strict safety enforcement. Malaysia Airlines has previously encountered similar situations. In one case a few years ago, a flight had to return to its departure airport after a passenger allegedly made a bomb threat mid-air. The situation resulted in the suspect&rsquo;s arrest, and other passengers were rebooked on alternative flights.
These incidents underscore the zero-tolerance stance that global aviation authorities take towards jokes or claims related to weapons, explosives, or threats&mdash;regardless of whether they are made in jest, frustration, or ignorance.
A Lesson for All Travellers
As international travel continues to rebound post-pandemic, authorities are urging greater awareness and responsibility among travellers. With security being a top priority in any airport, the public is reminded that even a single word&mdash;like &ldquo;bomb&rdquo;&mdash;can lead to detention, fines, and major delays.
Passengers are advised to always respond to security-related questions with clarity and seriousness. What might seem like a harmless joke to one person can quickly escalate into a full-blown security incident affecting hundreds of others.
In a time where air travel is becoming increasingly streamlined and digitised, one careless remark can still cause serious disruption. Let this incident serve as a cautionary tale: when it comes to airport security, it&rsquo;s better to be safe, respectful&mdash;and most importantly, silent&mdash;on sensitive topics.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Security doesn’t joke — and neither should you, especially in airports.

7636c48a9b21a02a5b2b8f59e9e179993b1a2323f5b9f490732528f9167ff9e7

Vietnamese Passenger Fined RM650 Over Bomb Joke On Malaysia Airlines Flight

From 1st July 2025, Malaysians will be able to renew and activate their My50 unlimited travel pass entirely through the Touch &lsquo;n Go (TNG) eWallet app, as part of a nationwide push to digitalise public transport systems.
The days of long queues at Rapid KL counters may soon be over. According to Transport Minister Anthony Loke, Prasarana Malaysia Berhad, in partnership with Touch &lsquo;n Go, has launched a digital version of the My50 Travel Pass, offering greater convenience for urban commuters.
<img src="https://r2.myc.my/7025d3c6a0b48482f559a18b81fcf500320ad54c15f8900bbbd535ee01136293" />
Previously, renewing the monthly pass required commuters to line up and use their MyKad (NRIC) for activation. With the new system, users can perform the entire process from their smartphones in a matter of minutes &mdash; eliminating wait times that could previously stretch to 45 minutes or more at peak hours.
&ldquo;This move aligns with our efforts to modernise public transport and push towards a fully digital and cashless society,&rdquo; said Loke during the launch. &ldquo;A world-class public transport system is not just about having trains and buses; it&rsquo;s also about seamless digital infrastructure.&rdquo;
How It Works: My50 on Your Phone
&nbsp;<img src="https://r2.myc.my/a46400e8448a568f599bd8dbbbd3c33cbd84e5e752c8080e34d145dfeedda329" />
To renew or activate the My50 Travel Pass through the TNG eWallet app, users must have:
<ul>
<li>An NFC-enabled smartphone</li>
<li>A Touch &lsquo;n Go Enhanced Card (with NFC)</li>
<li>A verified TNG eWallet account with eKYC (electronic Know Your Customer) completed</li>
</ul>
Step-by-step guide to renewal:
<ol>
<li>Open the TNG eWallet app and complete eKYC if you haven&rsquo;t already.</li>
<li>Go to &ldquo;Travel Pass&rdquo; via the &ldquo;More&rdquo; tab on the home screen.</li>
<li>Tap your NFC-enabled TNG card on your phone to link it.</li>
<li>Select the My50 Travel Pass and your preferred activation date.</li>
<li>Agree to the terms and complete payment.</li>
<li>Tap your TNG card again to activate the pass.</li>
</ol>
The entire process can be done from home or on the go. Once activated, users will enjoy 30 days of unlimited rides on all Rapid KL services &ndash; including LRT, MRT, BRT, Monorail, and feeder buses &ndash; all for RM50 per month.
It&rsquo;s important to note that the My50 pass is only available to Malaysian citizens, and each pass can only be linked to one Touch &lsquo;n Go card at a time. A minimum card balance of RM5 is still required when using the pass on public transport.
A Boon for 250,000+ Users &mdash; and Growing
&nbsp;<img src="https://r2.myc.my/d69cfbb72f313dab692e6584fa9241583cf46f8ea7f94084e20e0aa860c53d8c" />
As of 2024, the My50 Travel Pass had benefited over 180,000 commuters in the Klang Valley. That number is expected to grow significantly with the rollout of the digital version.
Prasarana CEO Mohd Azharuddin Mat Sah said that the digital upgrade is designed to enhance user experience by reducing friction and expanding access to more tech-savvy urban dwellers.
&ldquo;This step is not just about saving time,&rdquo; said Azharuddin. &ldquo;It enhances the travel experience by giving more flexibility and convenience to passengers.&rdquo;
Part of a Bigger Digital Vision
The My50 digitalisation is part of a broader agenda to overhaul Malaysia&rsquo;s public transport infrastructure into a smarter, more efficient system. Loke confirmed that similar upgrades will be applied to other offerings, including the MyCity Pass, later this year.
He also called on public transport operators nationwide to adopt emerging technologies like AI-driven payment systems, to improve service quality and reduce human error.
&ldquo;All future town developments must consider smart mobility infrastructure such as integrated public transport hubs, walkable streets, and proper bus stops,&rdquo; Loke added, emphasising the need for holistic transport planning.
No Plans to Retire MyKad Activation (Yet)
&nbsp;<img src="https://r2.myc.my/28debd225e8b4a8f3bb66851e5f823e91d178dde2f2c55a66d2e96cc80465668" />
For those not ready to switch to the digital route, the MyKad-based renewal system will remain available for now. However, authorities are hopeful that the convenience and speed of the digital option will eventually make it the default choice for most users.
With over a quarter million users expected to benefit from the update, Prasarana is confident this initiative will also help boost public transport usage in a car-dependent society.
A Small Step for Users, a Big Leap for Public Transport
As Malaysia modernises its urban infrastructure, the digital My50 pass represents a meaningful leap toward smarter, more accessible mobility. By simplifying a routine process and removing barriers to entry, the initiative may just help turn daily commuters into lifelong public transport advocates.
And at just RM50 for unlimited travel &mdash; with no queues required &mdash; it's a compelling reason to leave the car at home.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Say goodbye to queues and counters — and hello to seamless, cashless convenience.

d00eeffae8bb25d9272b07226bea9bab9c5fcf7cf877853ca5694ad120ee58ba

My50 Digital Upgrade: Renew RM50 Unlimited Travel Pass via Touch ’n Go App Starting 1 July

A 20-year-old female student from Kuching, Sarawak, was tragically found murdered in her dormitory room at the Mutiara Ville condominium in Cyberjaya on Tuesday, 25 June 2025. The victim, who was pursuing a Bachelor&rsquo;s Degree in Physiotherapy at a private university, was discovered lying unconscious with serious head injuries by a close friend around 10am.
The friend had visited the unit after failing to get in touch with the victim and promptly alerted the authorities. Emergency services later confirmed that the student had died at the scene, with police quickly launching a murder investigation.
Alone During Semester Break
&nbsp;<img src="https://r2.myc.my/a27ca1f433ff1ebe7867d4f714c31dc822958914defedef6964c01a1a73f4afc" />
According to early investigations, the victim had been living in a shared condominium unit with five housemates. However, all five had returned to their respective hometowns for the mid-year holidays on 21 June, leaving the young woman alone in the residence. She had reportedly stayed behind to prepare for her final examinations.
Sources revealed that she was well-liked and academically driven, and there had been no prior reports of disputes or personal issues that might have led to the violent incident.
No Signs of Forced Entry or Sexual Assault
&nbsp;<img src="https://r2.myc.my/fa7573dcfc61eebfa33770dcbfc3ce40d15ad00045359d16bf890ae2ea59a08f" />
Sepang District Police Chief, Assistant Commissioner Norhizam Bahaman, confirmed that there were no signs of a break-in or forced entry at the premises, suggesting the suspect may have gained access through other means.
A post-mortem conducted at the Serdang Hospital Forensic Department found that the cause of death was blunt force trauma to the head, inflicted by a hard object. Police also stated that the examination showed no evidence of sexual assault, correcting misinformation that had circulated online and across social media platforms.
Victim&rsquo;s Valuables Missing &amp; ATM Card Used After Murder
&nbsp;<img src="https://r2.myc.my/0c2797f2d81b3a4c8d0126e4549aad0d3513216b20886115cde536f08b715f9c" />
Police reported that several personal belongings of the victim were missing from the scene, including her laptop, mobile phone, cash, and ATM card. Investigators believe these items were stolen either during or shortly after the murder, potentially to delay identification of the suspect or to profit from the crime.
In a disturbing development, Assistant Commissioner Norhizam confirmed that the victim&rsquo;s ATM card was used to make between five and six cash withdrawals following her death. These transactions occurred at various locations across the Klang Valley, providing police with important leads.
&ldquo;We believe the male suspect began withdrawing money almost immediately after the murder took place,&rdquo; Norhizam said. &ldquo;This has given us valuable digital evidence that we are now using to help trace the suspect&rsquo;s identity and location.&rdquo;
Police are reviewing CCTV footage from ATM machines and other public areas near the transaction sites in hopes of identifying the individual responsible.
Public Urged to Assist Investigation
The case is being investigated under Section 302 of the Penal Code for murder. Authorities are now calling on members of the public who may have any information about the incident or the suspect to come forward.
Witnesses or anyone with leads are urged to contact Investigating Officer Assistant Superintendent Mohd Husny Hussien directly at 012-930 7860 or report to the nearest police station.
The police also reminded the public to refrain from spreading false information or engaging in speculation, as this could compromise the investigation or cause unnecessary distress to the victim&rsquo;s family.
Shock and Grief in University Community
News of the murder has sent shockwaves through the university and the wider public. Friends, classmates, and lecturers expressed deep sorrow at the senseless loss of a bright and dedicated young woman. Many took to social media to offer condolences and call for swift justice.
&ldquo;This is every parent&rsquo;s nightmare,&rdquo; one user wrote. &ldquo;She stayed behind to study, and now her life is gone. We need answers.&rdquo;
A Call for Safety and Accountability
The incident has also sparked renewed discussions about campus safety, especially for students who stay behind during breaks or live alone. Some have called for enhanced security measures in student housing and improved monitoring of who enters and exits these residential areas.
Meanwhile, many netizens have urged the authorities to act swiftly in identifying and apprehending the suspect before more harm is done.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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While police work to track down the suspect, many are calling for better oversight of unmonitored student dormitories.

f5ada872f6885cda084af9c3fddd8b7515c0b49d562b8d5ac49feb1d8e7cd46f

Cyberjaya Student Murder: Police Trace Suspect Who Used Victim’s ATM Card After Killing

Malaysia is poised to redefine the future of urban living through Kota Madani, an upcoming RM4 billion development in Putrajaya&rsquo;s Precinct 19. Touted as a national benchmark in urban planning, the township promises a revolutionary concept &mdash; a completely car-free environment at ground level, supported by artificial intelligence (AI), green infrastructure, and integrated public services.
The project, covering 102.5 acres (41.28 hectares), is being spearheaded by Putrajaya Holdings and will be developed under a Build&ndash;Lease&ndash;Maintain&ndash;Transfer (BLMT) model. Upon completion, Kota Madani is expected to house over 30,000 residents, primarily civil servants, and offer an unparalleled quality of life in Malaysia&rsquo;s administrative capital.
No Cars Above Ground: Reimagining Urban Mobility
&nbsp;<img src="https://r2.myc.my/7e7d2c439f30badcd7cb5f2397acebfc6ac9823e9ebca8653aea7d81d036ed4f" />
In a bold departure from conventional urban design, all vehicle access in Kota Madani will be confined to a massive underground system. According to Malaysian Institute of Planners (MIP) president, Datin Mazrina Abdul Khalid, cars and motorcycles will be routed directly into a three-storey underground car park upon entering the township.
&ldquo;The surface podium level from the fifth floor upwards will be entirely pedestrianised,&rdquo; Mazrina said. &ldquo;This allows residents to safely and comfortably move between homes, schools, shops, parks, and mosques without encountering a single car.&rdquo;
This car-free concept is designed to encourage walking, reduce noise pollution, and eliminate the need for road crossings, while also contributing to a healthier and more community-oriented lifestyle.
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<section><a title="@malaysiatribune" href="https://www.tiktok.com/@malaysiatribune?refer=embed" target="_blank" rel="noopener">@malaysiatribune</a> Pembangunan Kota Madani di Presint 19, di sini, bakal menjadi mercu tanda baharu negara dengan konsep bebas kenderaan dan menekankan aspek kemampanan, keselamatan dan kesejahteraan komuniti. Presiden Institut Perancang Malaysia, Mazrina Abdul Khalid, memaklumkan bahawa projek pembangunan seluas 102.5 ekar ini akan merangkumi 10,000 unit kediaman kuarters kerajaan serta pelbagai kemudahan asas, termasuk sekolah, balai polis, masjid, dewan komuniti, bazar, pusat komuniti dan kemudahan TVET. <a title="malaysiatribune" href="https://www.tiktok.com/tag/malaysiatribune?refer=embed" target="_blank" rel="noopener">#malaysiatribune</a> <a title="kotamadani" href="https://www.tiktok.com/tag/kotamadani?refer=embed" target="_blank" rel="noopener">#kotamadani</a> <a title="beritasemasa" href="https://www.tiktok.com/tag/beritasemasa?refer=embed" target="_blank" rel="noopener">#beritasemasa</a> <a title="♬ original sound - malaysia tribune" href="https://www.tiktok.com/music/original-sound-malaysia-tribune-7519491787577166609?refer=embed" target="_blank" rel="noopener">♬ original sound - malaysia tribune</a></section>
</blockquote>

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Smart, Sustainable, and Community-Focused
&nbsp;<img src="https://r2.myc.my/b045a0b2ac152bc04d79b76c2ad64d664055077be6ad54a6e79cab534f34a9e0" />
Kota Madani is not merely a property development, but a vision of a smarter, more harmonious urban society. The township will integrate advanced technology with environmental sustainability to create a truly intelligent city.
Key smart features include:
<ul>
<li>AI-powered surveillance and facility management systems</li>
<li>Solar energy systems</li>
<li>Rainwater harvesting</li>
<li>Rooftop gardens and urban farms</li>
<li>Green pedestrian networks and communal spaces</li>
</ul>
According to Mazrina, these features are aligned with the township&rsquo;s deeper purpose &mdash; to nurture the soul and strengthen community bonds through thoughtful, human-centric planning.
&ldquo;This is not just a concrete jungle. We are creating a living, breathing ecosystem that promotes values of connection &mdash; with each other, with the environment, and with spiritual well-being,&rdquo; she said.
Phase-by-Phase Development with Holistic Facilities
&nbsp;<img src="https://r2.myc.my/0eec531081c672fd5818a59923d6a008b854254ed8aa19ebde30cf78f640914c" />
The township will be developed in stages, each designed to deliver essential infrastructure alongside housing. A total of 10,000 residential units will be constructed, with a mix of high-rise and vertical living solutions to maximise space efficiency and walkability.
Development phases include:
<ul>
<li>Phase 1: 3,000 housing units, a primary school, and core infrastructure.</li>
<li>Phase 2: 7,000 units, a secondary school, a main mosque, and a Technical and Vocational Education and Training (TVET) centre.</li>
<li>Phase 3: Completion of the entire master plan, including commercial zones, community halls, a bazaar area, and police posts.</li>
</ul>
All amenities will be within a 10 to 15-minute walking radius, eliminating the need for daily car use and fostering self-sustaining neighbourhoods.
No Public Funding Involved
<img src="https://r2.myc.my/88ff436bad85c10bfd987a45b361347e506e165daefc12a9366e50b57a8bb8bd" />
In an effort to address concerns about cost and financial transparency, Minister in the Prime Minister&rsquo;s Department (Federal Territories), Datuk Seri Dr Zaliha Mustafa, confirmed that the entire RM4 billion cost will be borne by the developer. Under the BLMT model, the private developer will fund, build, and maintain the township for 25 years before transferring ownership to the government.
&ldquo;There will be no taxpayer money used,&rdquo; Dr Zaliha stated, addressing criticisms about national spending priorities.
This financial structure is seen as a way to deliver large-scale innovation without placing further burden on the public purse, while ensuring long-term value for the government.
Public Concerns: Practicality and Priorities
Despite the project&rsquo;s futuristic appeal, public reaction has been mixed. Critics on social media have questioned whether the government should focus on fixing existing infrastructure problems &mdash; such as pothole-ridden roads and outdated drainage systems &mdash; before investing in ambitious new townships.
One of the most prominent concerns raised involves Malaysia&rsquo;s frequent flash floods. With Kota Madani&rsquo;s heavy reliance on underground roadways and car parks, many worry about the feasibility and safety of such a system in a country prone to intense tropical downpours.
There are also sceptics who doubt whether demand for this kind of lifestyle exists among the broader Malaysian population, especially given rising property costs and public transport limitations in many areas.
Here&rsquo;s some of the comments:
&nbsp;<img src="https://r2.myc.my/6f4f50a28a5e7e26d74d03881333366c5e36611ecf69dc8d5356c0223b22dc69" />
An Urban Blueprint for the Future
Regardless of the criticism, Kota Madani represents a major leap in Malaysia&rsquo;s approach to urban planning. It&rsquo;s a vision that combines advanced technology, ecological responsibility, and social wellbeing &mdash; offering a bold alternative to the congested, car-centric cities of today.
With its blend of vertical development, smart infrastructure, and people-first planning, Kota Madani could become the prototype for future townships not just in Malaysia, but across Southeast Asia.
&ldquo;We want to create a township that doesn&rsquo;t just serve the body but also the soul &mdash; a place where people can live with dignity, health, and connection,&rdquo; Mazrina said.
The project is expected to be fully completed by the end of 2027.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Meanwhile, the public questions why billions are spent on new smart cities while basic road repairs are still lacking.

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