The housing crisis in Malaysia has been created by various parties including ruling party politicians, land office bureaucrats, property developers, and the 10% of the richest Malaysians who have all, in their own ways, tried to make lots of money from the provision of housing to the population. Their collective actions have led to the skyrocketing of house prices to the extent that many young couples are unable to afford homes and household debt has reached dangerous levels with many lower-income families living on the precise of bankruptcy. This has to stop. The holistic solution to this problem that has been caused by rampant capitalism, is to take the provision of the first home for Malaysian families out of the market and to provide it at the cost of construction to families earning more than RM 2500 per month. The government has to provide subsidized housing for families below that income level.