The standardisation of documents for housing loan agreements by Bank
Negara Malaysia (BNM) creates a protection mechanism for borrowers due
to the problem caused by a lack of understanding on the agreement, said
the Federation of Malaysian Consumers’ Association (Fomca).
Fomca
secretary-general Datuk Paul Selvaraj said the use of language that was
easily understood in the document could improve understanding by the
borrowers compared to the ‘legal jargon’ used.
“Usually, our
consumers seldom read the agreement because the language is complex
besides the thickness of the agreement which is like a dictionary and
even if it is read, we seldom understand the contents.
“Even when
there are terms that we understand, it is difficult to ask the bank
concerned to amend it (term). When they are standardised, it will give
basic protection to the consumers as an assurance that our interests are
protected,” he told Bernama.
On Friday, the BNM announced that
all banking institutions were required to adopt a standard documentation
for conventional housing loan and financing agreements for a principal
loan of RM500,000 and below effective on Tuesday.
Meanwhile in
KUALA PILAH, the Rural and Regional Development Ministry has allocated
RM226 million next year for the management of 231 GiatMara centres
nationwide and its headquarters.
Deputy Minister Datuk Hasan Malek
said the ministry also allocated RM10 million next year for the
incubator programme to turn GiatMara graduates into entrepreneurs.
“Negeri
Sembilan has been allocated RM390,000 for the incubator programme next
year where 60 participants will receive cheques for RM6,500 each. Kuala
Pilah constituency has been allocated RM117,000,” he told reporters
after the graduation ceremony of Negeri Sembilan GiatMara yesterday.
Hasan
who is also Member of Parliament for Kuala Pilah hopes that the
incubator programme would help participants start business.
He
encouraged them to try to develop their business adding Mara was always
willing to help by providing assistance including loans.
GiatMara
incubator programme is an entrepreneur training plan which include aid
such as starting capital, premises, equipment, guidance and exposure to
business and entrepreneurship.
Source: New Sabah Times
PR1MA akan menyediakan Dana Pemudah Cara Perumahan berjumlah RM500 juta untuk membina 30,000 unit rumah secara usaha sama dengan pemaju perumahan swasta. Harga rumah yang ditawarkan di bawah program ini adalah 20 peratus lebih rendah berbanding harga di pasaran dan proses pengagihan rumah akan dilaksanakan secara sistem pengundian terbuka.
ReplyDeleteBagi program Rumah Mesra Rakyat pula, Najib berkata, SPNB akan membina 21,000 unit rumah untuk 2013 yang berharga RM65,000 dengan subsidi sebanyak RM20,000 serta subsidi kadar faedah ke atas pinjaman sebanyak dua peratus.
ReplyDeletePeruntukan sejumlah RM543 juta akan disediakan untuk Jabatan Perumahan Negara melaksanakan 45 projek di bawah Program Perumahan Rakyat (PPR) melibatkan 20,454 unit rumah yang akan dibina menggunakan kaedah Sistem Pembinaan Berindustri (IBS), yang akan dijual antara RM30,000 hingga RM40,000 seunit berbanding harga pasaran sekitar RM120,000 seunit.
ReplyDeleteNajib berkata, kerajaan bersetuju untuk menetapkan wang proses yang dikenakan bagi setiap permohonan pinjaman perumahan penjawat awam ditetapkan pada kadar RM100 tanpa mengambil kira jumlah pinjaman yang dipohon.
ReplyDeleteBahagian Pinjaman Perumahan (BPP) akan disusun semula dan kerajaan akan melantik panel bank komersial untuk menguruskan pinjaman perumahan kerajaan yang baru berkuatkuasa Januari tahun hadapan sebagai sebahagian daripada usaha konsolidasi fiskal dan mengurangkan beban tanggungan kewangan kerajaan.
ReplyDeleteKerajaan meminjam sebanyak RM6 bilion setahun untuk membiayai keperluan pinjaman perumahan penjawat awam yang diuruskan oleh BPP, Kementerian Kewangan.
ReplyDeleteeruntukan dibawah Bajet 2011 sebanyak RM568 juta untuk
ReplyDeleteo 300 unit di bawah Projek Bantuan Perumahan Bandar
o 79,000 unit di bawah Program Perumahan Rakyat
o 8,000 unit di bawah Projek Bantuan Rumah Sewa
o Peruntukan tambahan RM50 juta untuk membantu pekerja-pekerja estet memiliki rumah di bawah Skim Pembiayaan
Skim Rumah PertamaKu – Pembiayaan kewangan 100% kepada golongan muda berpendapatan kurang RM3,000 sebulan untuk membeli rumah pertama yang berharga kurang RM220 ribu. Kerajaan menawarkan jaminan ke atas pendahuluan 10% harga rumah.
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