My First Home Scheme ( Skim Rumah Pertamaku ) will NOT make one who earn RM3,000.00 to be able to buy a more expensive house. The biggest benefit from this scheme is about one not having to pay 10% down payment on the house one qualifies for.
With or without the scheme, you still afford the same price category of house. The banks only give you the loan amount which you qualify for based on your salary / income, and they will continue to do so.
The Government can make it a ruling that 10% down payment is not required but it cannot fix the interest rate. And this can affect the installment you pay every month. If the interest rate goes up, you pay more for your installment ; the government cannot help you here.
Assuming your salary remain the same, how much does a 10% increase on the loan amount ( from 90% to 100% loan ) on a 30 to 40 years repayment period, effect your monthly installment? The increase is manageable.
How many Malaysian earn RM3,000.00 a month? What price category of house are they qualified for? Can they get it in town? Near the town area with public amenities, common facilities and accessibility to their working place? CAN THE GOVERNMENT BUILD ENOUGH OF THIS THROUGH POLICY?
How can you bring price down through policy? Realistically speaking, it will not hold for long! The government cannot make a person who cannot afford a more expensive house because his salary / income doesn't qualify for the loan by pulling the price of the house down through policy / ruling. This will not work long term. How is the government going to do it? Through subsidy like petrol? Or sugar? When developers cannot make money from building houses of any type or category, they won't build. So, the government can come in with ruling to force them to build? Or maybe the government can become the developers for this scheme?
The salary / income of the the PEOPLE must be increased through education, training and the creation of better-paid jobs through investments in the relevant industries. When the people earn more, more people can afford to get a shelter over the head ; more can buy bigger house, better house, and perhaps more than one house ......
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Kelebihan utama Skim Rumah Pertamaku adalah membolehkan golongan pemuda bawah umur 35 tahun kebawah dengan pendapatan / gaji bulanan RM3,000.00 kebawah untuk memiliki rumah pertama mereka dengan pinjaman 100% ( tidak perlu bayar 10% deposit ).
Secara amnya, bank hanya memberi pinjamam mengikut kemampuan bayar balik pemohon dengan garis panduan dimana gaji bulanan mesti tiga kali ganda ansuran bulanan yang perlu dibayar pada rumah itu. Jikalau rumah yang dibeli dengan pinjamam 100% dimana bayaran ansuran adalah RM1,000.00, maka gaji layak untuk dapat pinjaman adalah RM3,000.00 sebulan.
Kalau ansuran bulanan rumah adalah RM700.00 berdasarkan pinjaman 100% harga rumah dan gaji anda RM1,800.00, maka tak layaklah kamu : Skim Rumah Pertamaku tidak dapat membantu kamu.
Realiti pasaran adalah bercangggah dengan niat Skim Rumah Pertamaku. Harga rumah bukan main tinggi di Klang Valley. Susah hendak dapat rumah bawah RM220,00.00 dekat bandar. Ramai kena ikat perut kalau nak beli rumah dekat bandar dengan gaji purata yang rendah.
Adakah harga tinngi rumah semua salah pemaju? PEMAJU JUAL RUMAH DENGAN HARGA TINGGI, ITU SALAH! Dan pemilik tanah jual dengan harga tinggi tak salah? Syarikat buat bahan pembinaan jual harga tinggi tak salah? Dan kos untuk dapat kelulusan membina yang tinggi itu tak salah?
