PKR Supreme Council Member cum PKR Sabah Secretary Dr Roland Chia is questioning the sincerity of the BN government in providing housing shelter for the lower and lower middle income group.
Dr Roland Chia was making this statement in view of many complainants who came to him and has lamented that it is virtually impossible to own affordable houses in this present economic climate of steeply increasing prices in residential properties with their meager income salary.
Whilst inflation rate will continue to rise, consumer price index that is steadily increasing, there will be hardly any disposable income for the lower and middle income group to own a house in addition to save up for their future.
With the recent declaration by the developers witnessed by the Sabah State Government in a recent property launching stating that it is impossible to own a home in Kota Kinabalu for under RM200,000 just added woes to potential struggling home owners.
With the few initiatives to provide financing scheme seemed to be more of a empty promise rather than reaching out to facilitate struggling home owners.
My First Home scheme an 'ill-advised' policy after it was reported this week that not a single loan application has been approved under Putrajaya’s home ownership scheme for low-income earners.
The scheme, launched by Datuk Seri Najib Razak a year ago, has come to a grinding halt as banks are unwilling to hand out 100 per cent financing for property worth up to RM400,000 to applicants earning less than RM3,000 a month.
“It is obvious that our honourable PM was ill-advised by parties with vested interest on setting the price range of RM400,000 for income earners below RM3,000,” he said in an interview.
He said the association had run checks with banks and found that most applicants were those who have been blacklisted or lack proper proof of income.
“The feedback was simply that if people can’t afford it, then don’t buy. How can you take a 100 per cent loan for such an amount without commitment?” he asked.
PKR Sabah is highly suspicious that it is just a political gimmick to win votes rather than genuine concern with the need to provide housing for the marginalized society and also the younger generation who are forced to live in with their parents or grandparents.
Bukan semua orang boleh mampu membeli rumah sendiri terutamanya mereka yang mempunyai gaji yang cukup-cukup makan saja setiap bulan.
ReplyDeleteLebih baik skim ini boleh dipertimbangkan semula supaya lebih releven untuk rakyat jelata. Ataupun memberikan mereka keutamaan untuk membeli rumah kos rendah, lagi baik untuk memudahkan mereka untuk mendapatkan rumah sendiri.
ReplyDeleteskim ini sebaiknya dikaji semula, mmg sukar untuk memiliki rumah dalam harga sebegitu.
ReplyDeleteThe Government has received 1,623 applications for loans under the My First Home Scheme until January 2012. 280 loans amounting to RM41.1mil have been approved, had carried out 56 low-cost, low-medium-cost and medium-cost housing projects involving 37,757 units until January
ReplyDeletekejam sangat ka skim itu hingga disamakan dengan bencana??
ReplyDeletesamada skim itu berjaya atau gagal, yang penting kerajaan berusaha menyelesaikan masalah rakyat.. tidak seperti pemimpin2 pembangkang yang suka mengambil kesempatan disebalik kesempitan.. pemimpin2 pembangkang juga belum tentu mampu menaikkan gaji pencucui kereta ke paras rm3k atau menurunkan semua harga rumah ke paras rm100k, atau mendesak institusi kewangan supaya melonggarkan syarat permohonan pinjaman..
ReplyDelete"My First Home Scheme" programme is an initiative launched by the government with the collaboration of national mortgage company, Cagamas Bhd, and financial institutions to reduce the burden of the younger generation who are faced with a high cost of living and exorbitant real estate prices.
ReplyDeleteVia the scheme, the younger generation earning less than RM3,000 per month, can obtain 100% financing from selected financial institutions for houses costing between RM100,000 and RM220,000 with a repayment period of 30 years.
ReplyDeleteThe government, via Cagamas Bhd, will guarantee the downpayment of 10% adding that first-time buyers need not come up with any deposit.
ReplyDeleteThe Prime Minister also hoped more property developers would build affordable houses to cater for the people.
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ReplyDeleteThe banks involved in financing the "My First Home Scheme" are Affin Bank Bhd, Affin Islamic Bank Bhd, Alliance Bank Malaysia Bhd, Alliance Islamic Bank Malaysia Bhd, AmBank Bhd, AmIslamic Bank Bhd, Bank Islam Malaysia Bhd, Bank Muamalat Malaysia Bhd, CIMB Bank Bhd, CIMB Islamic Bank Bhd, EON Bank Bhd, EONCAP Islamic Bank Bhd, Hong Leong Bank Bhd and Hong Leong Islamic Bank Bhd.
ReplyDeleteOthers include Maybank Bhd, Maybank Islamic Bank Bhd, OCBC Bank Malaysia Bhd, OCBC Al Amin Bhd, Public Bank Bhd, Public Islamic Bank Bhd, RHB Bank Bhd, RHB Islamic Bank Bhd, United Overseas Bank Malaysia Bhd, Standard Chartered Bank Malaysia Bhd, Standard Chartered Saadiq Bhd and Cagamas Bhd.
ReplyDeleteUnder the 2011 Budget, the government announced several initiatives to increase house ownership and enhance peoples' quality of life.
ReplyDeleteThis, among others, included an allocation of RM568 million to build 300 units under the Urban Housing Assistance Scheme and 79,000 units under the Peoples' Housing Programme.
ReplyDeleteAn additional allocation of RM50 million has been set aside especially to help house ownership among estate employees under the low cost housing scheme
ReplyDelete