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[Tempatan]
Sektor Hartanah Dah Dok Sejuk, Tunggu Apa Lagi Turunkan Harga Kalau Nak Survive
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Lagi pujuk rayu muncul di media bertali arus nampaknya , agar syarat ketat bank2 di longgarkan untuk membolehkan lebih ramai dapat membeli rumah yang telah di manipulasi harga jadi mahal mencanak2 tuh . 
Harga tak nak turun langsung tapi di minta kerajaan plak benarkan semula DIBS , just agar lebih ramai akan turut terperangkap dalam krisis ekonomi kelak 
Dah la harga barang2 bakal naik mencanak lagi dan lagi tahun depan , apabila kerajaan nak rasionalisasi kan subsidi . Mampus laa kewangan ramai pihak apabila bubble meletup di kemudian hari. 
----------------------------
Isnin, 29 September 2014 @ 8:51 PMKaji semula aspek pembiayaan rumah mampu milikPETALING JAYA: Bajet 2015 yang akan diumumkan pada 10 Oktober ini perlu mengkaji semula aspek pembiayaan bagi pembeli akhir untuk membeli rumah mampu milik. Rakan Kongsi Urusan Chur Associate, Chris Tan Chur Pim, berkata bank-bank pada masa ini tidak mempunyai kewajipan seperti pemaju yang dikehendaki memasukkan elemen kos rendah bagi pembangunan tanah lebih daripada 4.47 hektar. "Bolehkah kita mempunyai cara yang lebih mudah untuk mengeluarkan pembiayaan bagi pemilikan rumah terutamanya pada harga mampu milik. "Mungkin ada kuota tertentu dikenakan ke atas bank-bank untuk mewajibkan mereka mengeluarkan pinjaman bagi rumah mampu milik mengikut had atau menggesa mereka melakukannya bagi asas tanggungjawab sosial korporat," katanya pada taklimat mengenai Sidang Kemuncak dan Ekspo Pelaburan Hartanah (Prism) 2014 di sini hari ini. Tan berkata, skim pemaju tanggung kadar faedah (DIBS), yang dihapuskan tahun lalu bagi membendung spekulasi dalam sektor hartanah perlu diperkenalkan semula dalam Bajet 2015 khususnya bagi rumah mampu milik. "Sekiranya DIBS dilaksanakan bagi rumah mampu milik, ia akan membolehkan pembeli terutamanya kumpulan berpendapatan rendah dikecualikan daripada membayar faedah hingga mereka menerima kunci rumah mereka. "Orang kebanyakan berhak dapat DIBS ini, orang kaya tidak layak," katanya sambil menambah kerajaan harus menetapkan siling bagi rumah mampu milik. "Adakah rumah mampu milik bermakna rumah berharga daripada RM500,000 ke bawah, RM400,000 ke bawah atau RM300,000 ke bawah?" tanyanya. Siling perlu berbeza antara negeri, sebagai contoh di Kelantan, harga rumah mampu milik perlu lebih rendah memandangkan taraf hidup di sana, katanya. Sementara itu, lebih 15,000 dijangka mengunjungi ekspo dua hari itu manakala 2,500 orang dijadualkan menyertai sidang kemuncak, bermula 1 November, yang akan diadakan di Pusat Pameran dan Konvensyen Antarabangsa Malaysia di Seri Kembangan. Antara yang diketengahkan pada persidangan itu ialah topik mengenai prospek pasaran hartanah, analisis pasca bajet, kesan Cukai Barang dan Perkhidmatan (GST) dan strategi pelaburan. - BERNAMA
Last edited by blastoff on 30-9-2014 01:35 PM
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Bagi aku nature will take it's course, kalau kerajaan biarkan penduduk bandar tertekan dengan kos segalanya yang tinggi tak setimpal dengan pendapatan depa totally, undi penduduk bandar memang akan menjauh laaa dari kerajaan dengan banyaknya di kemudian hari, surut poket rakyat maka surut la jugak undi tu nanti .
Sekarang ni kerajaan cuma berminat nak tolong orang2 miskin secara terus , subsidi pun nak di bagi terus kat golongan yang di gelarkan sebagai "sasaran": , rumah pun gitu jugak, esok2 ni segala barang keperluan pun gitu jugala akan di beri pada golongan sasaran je.
Tapi dengan berbuat gitu bermakna golongan pertengahan dan atas terutama para peniaga akan menanggung kos yang tinggi kerana penarikan balik subsidi terhadap depa , lalu harga pasti depa akan naikkan untuk menampung kos , jadi yang terpaksa membayar harga yang tinggi untuk segala mende adalah majoriti rakyat di bandar2 besar la jawabnya. BN = barang naik yang akan terus dimainkan pembangkang bagi memancing undi
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yela-yela
WOOIII JANGAN BELI RUMAH SEKARANG WOI
TUNGGU BUBBLE BURST TAK LAMA LAGI BARU UOLS BELI OK
TUNGGUUUUUUU... melodiiii! |
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langkah kerajaan untuk menyediakan bantuan pinjaman kepada subprime mortgagers tidaklah terlalu kritikal seperti yang saudara @blastoff huraikan
jika diperhatikan kes property bubble burst dan credit crunch di US, keadaan di malaysia sangat terkawal
sudah semestinya kerajaan malaysia dan bank-bank di malaysia sudah belajar dari keadaan di US
i think its a good move by the government... it will benefit the low incomers |
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http://www.marketwatch.com/story ... -clashes-2014-08-26
China’s falling real-estate prices trigger protests, clashes
Published: Aug 27, 2014 6:13 p.m. ET
HONG KONG (MarketWatch) — The sharp drop in China’s housing prices has led to an outburst of anger among property owners, leading to violent clashes in some cases, according to local media reports Tuesday.
In one case, scores of property owners surrounded a Shanghai sales office of Greentown China Holdings Ltd. to protest the developer’s 25% cut to prices within a five-day period, according to a report on the NetEase news portal site 163.com.
Protesters held banners with slogans such as “You cheated us!” and “300,000 yuan [$48,750] worth of assets evaporate within five days — years of work in vain!” according to photographs of the demonstration posted on the site.
The report quoted a sales manager from Greentown as saying that the price-cut was aimed to boost sales and “cope with competition” from rival China Vanke Co. the nation’s largest residential property developer.
In other Chinese cities, such confrontations between buyers and developers have turned violent.
In the eastern city of Jinan, banner-carrying owners blocked a street to protest another 25% price cut for a local housing development, this one conducted over the space of two weeks, according to the local-government-run Life Daily newspaper.
The protesters clashed with a group of counter-protestors suspected to have been hired by local developers, injuring some of the demonstrators and forcing the police to break up the fight, 163.com said in a separate report.
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http://www.cnbc.com/id/101919144
Real Estate
Chinese home buyers play the waiting game Connie Tan Hui Ann
Thursday, 14 Aug 2014 | 6:36 PM ETCNBC.com
 ChinaFotoPress | Getty Images
33-year old Chinese resident Lin owns and lives in a one-bedroom apartment in Beijing with his wife.
Both are eager to upgrade to a bigger place to accommodate plans to have a baby, but they have been reluctant to take the plunge despite a fall in Beijing property prices.
"I think there's a big chance for house prices to go down even further, probably 10 to 20 percent," he said. "Few people are giving offers right now. My friends and I are all waiting."
Lin is hoping to avoid the fate of 30-year Deng and her sister. Both bought apartments in Chengdu's suburb earlier this year, only to see prices dropping nearly 20 percent since.
"We both deeply regret the purchases," said Deng. "My sister and I are both migrants to Chengdu from the rural area. It is not easy for us to work for living and save money in the city. Now we are paying way too much."
Buyers' resistance against entering China's real estate market reflects wider fears of a looming housing bust, which many analysts have singled out as the biggest macro risk the economy currently faces.
After skyrocketing in recent years, China's property prices are falling, as government-imposed restrictions took the wind out of the frothy market. But there are now concerns a dramatic correction could trigger a hard landing in the housing market, which is estimated to contribute 15 percent of China's economy.
China's new home prices fell for a second month in June, according to data released by the National Bureau of Statistics (NBS) which tracks 70 Chinese cities. Figures for July are due next Monday and they aren't likely to be pretty.
A survey by China Real Estate Index System showed average housing prices fell for a third month in a row in July. Analysts blame it on the massive supply overhang.
Du Jin Song, Credit Suisse's regional head of property research, says Chinese home buyers are right to wait. He believes that prices will continue to fall, though he declined to forecast the pace of the drop.
Du suggests it makes more sense for home-seekers to rent, rather than buy, right now. "Rental yields come in between 1 and 2 per cent, while mortgage rates are about 6 to 7 per cent, so (in the short-term), renters may get the better end of the deal," he said.
Not everyone's as downbeat. Peter Churchouse, founder of Portwood Capital, believes China's house price declines are bottoming out and could normalize in the fourth quarter, as some states roll back housing curbs.
Beijing recently moved to encourage the top Chinese banks to step-up lending, especially to lower-income and first-time home buyers. State media have also reported of some 37 of 46 cities that previously imposed market cooling measures loosening some or most of their restrictions.
Even top-tier cities like Beijing and Shenzhen are said to be considering moves to relax rules on mass residential properties, which may include tax rebates and lower down-payment ratio of mortgage loans for second-home purchases.
"We are probably going to see a couple more month-on-month declines, but I believe that policies to support the property sector are working, and we are at the cusp of a turnaround," Churchouse said.
Alvin Wong, property analyst at Barclays, says any policy easing by first-tier cities would be significant, and would send a positive signal to the market. He adds that September is the crucial month to watch, as August is usually a slack season for new developer launches.
Regardless, should the sector see a protracted slowdown, analysts believe the government will step in with support measures. Portwood Capital's Churchouse says Beijing would likely retaliate with targeted easing in such a scenario.
– CNBC's Qian Chen contributed to this report.
Last edited by blastoff on 30-9-2014 10:04 PM
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tekoyong posted on 30-9-2014 02:20 PM 
yela-yela
WOOIII JANGAN BELI RUMAH SEKARANG WOI
Tengok artikel atas dan bawah nih , china property bubble has burst  .... 4 bulan berturut2 dah merudum harga di berpuluh-puluh bandar di sana sampai para pembeli buat protest terhadap pemaju2 kerana depa rasa tertipu beli property mahal nak mampus tup tup harga merudum teruk dalam masa 4 bulan nih .
Kau rasa M'sia takkan menerima impaknya ka sedangkan M'sia mengharapkan pada banyak pemaju dan pembeli dari china untuk bangunkan sektor hartanah di bandar2 besar di M'sia .
-----------------------------
http://www.zerohedge.com/news/20 ... and-sales-crater-50
Home
China Housing Bubble Bursts: Q3 Land Sales Crater 50% 
Submitted by Tyler Durden on 09/29/2014 15:45 -0400
China may be doing everything in its power to divert attention from the simple fact that its housing bubble, the largest in the world in terms of both assets comprising it as well as divergence from fair value, has burst. But while there is no clear threshold of what constitutes a bursting bubble when it comes to housing, the latest data out of Soufun, China's largest real-estate website, which said that land sales have dropped a massive 22% to 1.7 trillion Yuan in 2014 so far, is likely as clear an indication as any that Beijing is about to panic.
And if that was not enough Bloomberg adds that land sales in 300 cites followed by Soufun fell almost 50% Y/Y to 415.9 billion yuan in 3Q, while residential land sales declined more than 50% to 265.3b yuan in 3Q.
So why, aside from the obvious, is this relevant? Because recall as we reported two weeks agowhen looking at US household net worth, in the US it is all about (record) financial assets. So much so, in fact, that financial assets as a percentage of total household assets have never been higher at 70.3%, which also means that real estate as a percentage of total is as low as it has ever been.
Meanwhile, in China few households care as much about financial assets (the ones that do are largely a part of the Politburo or the ultra-rich oligrachy). Instead, the largest Chinese household asset is Real Estate, which at 74.7% of total household assets, is by far the most valuable asset that China's population has.
And once a few hundred million Chinese wake up and realize that the "wealth effect" portrayed by the blue bar above has been obliterated, the riots currently taking place in Hong Kong will be a gentle warm up for what the People's Liberation (sic) Army will be about to face.
Last edited by blastoff on 30-9-2014 10:13 PM
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Negara china is an economic giant la , sebelum ni boom tak mau2 sektor hartanahnya, tengok apa berlaku sekarang .....
Apabila harga merudum nonstop berturut2 gitu, lagi laa pembeli2 akan ambil sikap tunggu dan lihat, lagi teruk merudum la jawabnya kerana sales stop habih , yang menyebabkan developers lagi bertindak turunkan harga .
Sekarang ni dah banyak yang 50% harga turun .  No wonder sampai jadi clash dan protest segala oleh para pembeli2 yang dah rasa tertipu.
Last edited by blastoff on 30-9-2014 10:19 PM
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tekoyong posted on 30-9-2014 02:26 PM
langkah kerajaan untuk menyediakan bantuan pinjaman kepada subprime mortgagers tidaklah terlalu krit ...
Kau tengok subprime mortgages yang di beri oleh BSN , kalau dulu yang EPF tu ada had limitnya RM35K untuk berbelas ribu peminjam je , yang BSN ni targetnya adalah lebih menyeluruh, bayangkan la kat M'sia ni berapa juta orang yang masuk golongan umur 18-60 yang bergaji minima seribu sebulan yang tak tetap pendapatan ? Jutaan laa bilangannya.
Jutaan bakal peminjam tak layak X RM120K ... dengan keadaan negara china sedang mengalami letupan buih sektor hartanah, M'sia masih boleh mendabik dada kata mampu kawal segalanya ? Kalau mampu kawal tarak la nak jadi jutaan peminjam tak layak boleh dengan senang dapat pinjam plak kan , itu dah out of control tu .
--------------------------
http://www.mybsn.com.my/content.xhtml?contentId=146
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» Aged between 18 - 60 years old.
» Individual / Joint Applicants.
» Proof of self-employment.
» Minimum Income RM1,000 per month.
» For financing of first home and for own residence only.
» Financing only for low cost or average properties.
Features & Benefits» Financing up to RM 120,000.
» Interest rate of BLR + 0%.
» Financing margin up to 100% (inclusive of MRTA / MRTT & TLRT).
» Financing period up to 35 years.
Last edited by blastoff on 30-9-2014 10:36 PM
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Cuba korang pikir, camne tak mengamuk pembeli2 di negara china, 4 bulan lepas beli property harga sejuta, lani jadi RM500K je, tapi depa terikat dengan loan sejuta tu, bermakna RM500K plus interest kerugian depa.... yang terpaksa depa bayar seumur hidup plak tu, memang akan default habih la jawabnya. Pakat protest tak nak sambung membayar, apa jadi ? Lagi teruk merudum laa sektor hartanah di china tu .
It's a nonstop chain reaction . 
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blastoff posted on 30-9-2014 10:11 PM
Tengok artikel atas dan bawah nih , china property bubble has burst .... 4 bulan berturut2 d ...
alhamdulillah, jadi sekarang para pelabur dan pembeli dah tertumpu ke tempat lain instead of china, dan antara tempat lain tu ofkoz la malaysia
wilayah iskandar dan certain pembangunan baru di lembah kelang for instance, berjaya tarik pelabur china
dekat china, penawaran melebihi permintaan, projek main buat je
tapi di malaysia, permintaan melebihi penawaran
sebab tu la harga naik gila-gila
sehinggakan kerajaan terpaksa wujudkan polisi untuk kurangkan permintaan, padahal permintaan yang "sebenar" tak berkurangan pon
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aku tak paham kenapa para sakai nak sangat berlakunya property bubble burst di malaysia
adakah mereka ingat seandainya burst berlaku, maka merka akan beli rumah dengan mudah?
salah... bubble burst = ekonomi merundum
ekonomi merundum = pinjaman susah nak dapat = BLR melampau tinggi
ekonomi down = kekurangan pekerjaan = pendapatan berkurangan
isedangkan pada masa sekarang pun korang tak mampu nak beli rumah, masa ekonomi jatuh nanti korang still ternganga, entah-entah kena buang kerja
1998 adalah contoh yang paling hampir.... pasaran hartanah pun merundum pada waktu tu.... tapi ada tak mak bapak korang beli berbijik-bijik rumah time tu?
bila burst berlaku, yang dapat benefit ialah orang yang pegang cash dalam jumlah yang banyak.... lepas crisis 98/99 dulu, yang bantu selamatkan hartanah malaysia ialah pelabur luar ni la.... |
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sesiapa yang dengki sangat tengok orang lain mampu beli rumah berbijik-bijik tu, koran melopong jela sampai bila-bila
korang tunggu je la bubble burst tu berlaku 100 tahun nanti
di lembah kelang contohnya, dengan pelbagai projek seperti MRT akan menaikkan harga hartanah
pelaburan hartanah di malaysia tak sama macam contoh yang blastoff bagi di china
di china, harga jatuh teruk di bandar mati
di malaysia, permintaan masih super banyak
yang tak mampu beli, akan menyewa
cuba bagi contoh kawasan perumahan yang tak diduduki di lembah kelang? |
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blastoff posted on 30-9-2014 10:35 PM
Kau tengok subprime mortgages yang di beri oleh BSN , kalau dulu yang EPF tu ada had limitnya RM35 ...
lol, minimum requirement je kot
bukannya semua yang apply, semua dapat
apa la lu ni, suka sangat melebih-lebih
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Nak buat camne... Harga takkan Turun.. Gaji pon tak naik..hihi.
Tp ada kwn keje opis gaji dlm 4.5k je.. Tp mampu beli umah 500k++..
Sb smbil tu die buat online biz..jual baju, tudung, ..income masuk lg 3k-5k sbln.. |
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tekoyong posted on 30-9-2014 11:01 PM
aku tak paham kenapa para sakai nak sangat berlakunya property bubble burst di malaysia
adakah me ...
Moral hazard yg hanya akan merugikan Negara.
Selagi pembetulan melalui price collapse tak berlaku selagi itu dinamik ekonomi rapuh akibat allocation of resources not being utilized efficiently.
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kabukiman posted on 1-10-2014 12:15 AM
Moral hazard yg hanya akan merugikan Negara.
Selagi pembetulan melalui price collapse tak berla ...
price adjustment tak semestinya berlaku bila harga menurun je
adjustment pun boleh berlaku bila harga meningkat
kamu tahu tak property price index di malaysia adalah sangat rendah berbanding negara lain?
kemungkinan harga rumah yang naik ni adalah adjustment jugak, sebab dulu harga pernah jatuh 98/99
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"ayaaa, halga lumah dan kadar sewa di malaysiya masih lendah belbanding negala lain wooo... kami juga mau untung maaa"
 |
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harga yang meningkat naik gila2 ni juga boleh jadi pengajaran kepada kaum melayu yang nak berlagak naik kereta besar, tapi tinggal rumah sewa
lepas ni boleh la bagitau kat anak-anak, utamakan beli rumah terlebih dahulu |
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tekoyong posted on 1-10-2014 12:32 AM
price adjustment tak semestinya berlaku bila harga menurun je
adjustment pun boleh berlaku bila ...
Adjustment hanya boleh ke bawah pabila rental yield sub 2% (kenaikan harga tidak didokong kemampuan penyewa) Dan bila (spt skang) Ada marhaein dah holang akal beranggapan kenaikan harga 8-9% setahun adalah "normal" |
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kabukiman posted on 1-10-2014 12:40 AM
Adjustment hanya boleh ke bawah pabila rental yield sub 2% (kenaikan harga tidak didokong kemampua ...
im still confused which side are u on
but i guess 8-9% increment in price is absolutely normal
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Author
Post time 30-9-2014 02:20 PM
