1. On one side of the fence, we have My First Home Scheme ( Skim Rumah Pertamaku ) with the regulation, among others, of one not earning more than RM3,000.00 a month to qualify and the house cannot be worth more than RM220,000.00.
2. On the other side of the fence, there are proposal to have banks giving out house loan based on net income and not gross income. Net income means what your balance is after deducting valid daily household expenses.
3. Many things are more expensive than last year. But most of us are still taking home the same salaries. Because we are paying more for most of the things, we are buying fewer things this year as compared to last year.
Salaried workers will have less money to save. With the new ruling being applied, it means they can only afford houses with lower monthly installment ( coming from cheaper houses, of course ) and many will be made NOT qualified at all!
4. Demand for new houses will definitely be dampened with this proposal becoming new ruling. But will the price of the houses for low and middle income group like the standard single and double storey terrace houses be lowered?
Hardly! If the price increase was caused by speculative demand, then the answer is yes. But when it is caused by increases in everything in our daily expenses like teh tarik, roti canai, nasi lemak, chee cheong funn to building material cost and land cost, how to have a lower price?
When you only minus one point but have to add five points to the standing total, how can the sum be lowered?
5. Housing developers are businessmen. Just like the pakcik who sell satay and uncle who sell chee cheong funn, if they cannot sell all the foods the prepare like yesterdays, they will prepare less today to sell so that there won't be wastages!
If the take up rate is dampened , developers will build less or proceed with building at a slower rate, thus causing a situation that will not make the price of the new houses - under the single and double-storey terrace house category like in the surrounding of Shah Alam, Klang, Klang & Shah Alam border and Kuala Langat & Klang border - to come down!!
6. In summary, with the proposed move, house buyers will find it harder to get loans to buy their first new house as banks will be stricter in their loan policy.
Housing developers will proceed with new housing development at a slower rate.
Price for houses under the standard category will not be lowered.
More salaried earners in the low and middle income groups will not be able to buy houses.
My First Home Scheme ( Skim Rumah Pertamaku ) will remain an attractive and noble scheme.....just that and nothing more!
Pinjaman perumahan mengikut pendapatan bersih. Apa kesannya pada harga rumah baru?
1. Semua harga benda yang diperlukan dalam kehiduan harian naik. Kos sara diri melambung. Ahmad, Ah Chong dan Samy mana yang tak kena hentam dari tumbukan kos ini? Harga benda yang manis naik, yang masin pun naik, yang pahit jadi lebih pahit.
2. Kalau harga yang asas dalam kehidupan harian tak boleh diturunkan, bolehkan harga rumah tinggi yang susah dimampumilik oleh golongan makan gaji diturunkan?
3. Harga rumah di bawah kategori rumah teres satu dan dua tingkat ini naik bukan kerana faktor permintaan spekulatif tapi atas faktor lain seperti kos barangan dan aktiviti harian yang naik tinggi. Mana boleh tolak satu dan campur lima membawakan kekurangan pada jumlah keseluruhan sedia ada?
4. Pemaju perumahan seperti pakcik pakcik yang jual satay dan chee cheong funn akan mengurangkan bekalan yang mereka jual jika apa yang mereka bekal sebelum ini tidak boleh dijual habis. Kalau ramai yang tak jadi beli rumah yang dibina, pemaju rumah juga akan mengurangkan bekalan rumah yang mereka bina itu. Tindakan dari sudut perniagaan ini akan mengakibatkan harga rumah baru di persekitaran Klang, Shah Alam, sempadan Klang & Shah Alam dan sempadan Klang & Kuala Langat tidak akan turun sungguhpun polisi baru dalam kelulusam pinjaman perumahan dilaksanakan.
5. Jikalau cadangan kelulusan pinjamam untuk perumahan diberi mengikut net income dan bukan gross income dilaksanakan, pasti lebih ramai dari golongan makan gaji susah untuk layak beli rumah.
6. Skim Rumah Pertamaku memang mempunyai niat bagus untuk membantu golongan makin gaji memiliki rumah baru pertama mereka.... dan ia tetap akan mempunyai niat sebegitu, tapi hanya sekadar itu sahaja!
