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Peraturan baru loan rumah

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Post time 20-11-2013 09:27 AM | Show all posts |Read mode
A new circular from the central bank that took effect last Friday will pile more pressure on an already hard-hit property sector, even if its merits are likely to be felt in the long-term, analysts and industry executives said.

In a bid to make the property market sustainable, the new rules have put the brakes on interest capitalisation schemes (ICS) and the developer interest-bearing scheme (DIBS).

It also calls for the use of the net selling price of a property as the benchmark for obtaining bank loans, which raises the amount to be paid upfront.
Another key item on the circular requires banks to calculate the LTV ratio based on the net price of a property instead of its gross price.

To illustrate, a property with a list price of RM1mil, rebate of 5% and 90% financing would incur a down payment of RM50,000 after discount.

Under the new regime, the down payment increases to RM95,000 because the 90% loan will be computed using the discounted price tag of RM950,000.


further reading http://www.penangpropertytalk.com/2013/11/pressure-on-property-new-ruling-likely-to-impact-housing-loan-growth/


---- so pasneh kena ada cash byk skit nak beli umah.. nak byr d/p
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Post time 20-11-2013 10:36 AM | Show all posts
shureeeeee ghoooo up huanggggggggg
huang kuang kuangggg
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Post time 28-11-2013 11:55 PM | Show all posts
penjelasan yg lebih lanjut lagi selain LTV pinjaman perumahan berdasarkan net price:
Versi Bahasa

Termasuk jugak penjelasan DIBS
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Post time 29-11-2013 02:27 AM | Show all posts
beli rumah lelong je.......
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Post time 17-12-2013 03:34 PM | Show all posts
tumpang tanya.... saya beli rumah buat joint loan dgn adik tahun 2008... sekarang rasa nak tukar kepada nama saya sahaja (S&P & loan)... boleh ke? sapa tau prosedur nya yea? thanksss
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