I would like to congratulate the Housing Minister (KPKT), Hajjah Zuraida Kamaruddin, for announcing the launching of a Rent To Own scheme in September. Rent To Own is an important initiative to enable the low and middle income earners own their own home. When I was the Housing Exco in Selangor, a similar scheme named DANASEL was launched in 2015. This scheme was first initiated to assist the urban settlers of Kg Rimba Jaya, Shah Alam buy the low cost apartments offered to them. Under this scheme, the settlers will rent the apartments and have an option to buy them outright when they are able to obtain a bank loan. From my experience with this scheme, I would like to highlight the following suggestions for the consideration of the Housing Minister, 1.) Part of the rental paid from the beginning untill the sale of the property will be deducted from the selling price. For example, a participant of this scheme pays a monthly rental of RM800. If the participant decides to buy the p