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[Tempatan]
TERKINI. Bank tak sambung moratorium. Bersedialah byr loan mulai Okt. Berhenti b
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Loan repayment moratorium won’t be extended, say banking sources
Tuesday, 21 Jul 2020 09:53 AM MYT
BY JOHN BUNYAN
KUALA LUMPUR, July 21 — The loan repayment moratorium will end as scheduled in September and will not be extended, according to industry sources.
They told The Star that banks would instead help borrowers restructure their existing debt and adjust their repayment schedules once the initiative has ended.
“It is estimated that there will be three million borrowers who will take that offer up,” one source was quoted as saying.
The sources asserted that the moratorium was not being extended preferred that customers actively restructure their loans instead as needed instead of the current blanket approach.
“The banks will have until the middle of next year to restructure and reschedule their loans,” another source said.
In March, Prime Minister Tan Sri Muhyiddin Yassin announced the six-month moratorium on loan repayments ending September 30, in order to relieve the burden of people who are directly affected by the impact of Covid-19 pandemic.
Loan repayments during this period need not be paid but borrowers that take up the scheme will accrue additional interest.
Groups such as the Malaysians Trades Union Congress (MTUC) have urged the government to extend the moratorium at least for Malaysians in the Bottom and Middle 40th per centile (B40, M40) to alleviate the financial pressure that was expected to rise with the economic slowdown.
The Federation of Malaysian Manufacturers has also called for a similar extension, saying it would give businesses some breathing space to avoid possible job cuts and accelerate the country’s recovery.
In The Star report today, MIDF Research chief Imran Yassin Md Yusof predicted that non-performing loans would also increase once the moratorium period was ended.
“Nevertheless, we expect the banks would have identified potential troubled borrowers and would have put a lot of effort in restructuring and rescheduling these potentially troubled loans and this may moderate the level of NPLs,” he told StarBiz.
Bank Negara Malaysia also acknowledged previously that the NPLs would “naturally” rise post-moratorium.
Economists previously told Malay Mail that they believed Malaysia’s banking industry was sufficiently robust to take an extension of the repayment moratorium, but they had suggested that this be targeted instead of automatic.
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kalau Ketua Jabatan suruh isi borang dan nyatakan gaji sorang2, x usah terkejut. hutang sorang2 mmg banyak. jgn terpedaya dgn meeka yg nampak mewah tp hakikatnya hmmmmmmmmmmmm
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ngeri bila tengok ramai guna duit morotarium tu beli macam2 terutama emas yang tengah mahal namati.kekonon nak jana ekonomi negara. sape yang bijak sikit, guna kesempatan ni sebagai duit emergency yang selama ni takde.masuk ASB kurang2 dapat dividen walau sikit. |
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hahahaha..nak tunggu harga emas mesti turun bln 10-12 ni...
acik2 penuh memanjang kat kedai emas sejak moratarium...mentang2 x bayar umah, kete dr bln 3.
yesssssss....
patutnya simpan aja duit yg ada tu ..asb ka apa ka... moratarium tu bukan lebihan....kalau manage betul2 xder terkesan pun....
yg boros??.. good luck to you ... |
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pastu orang2 kita jenis suka provoke orang.. kalo kita simple lifestyle, live below our means, for sure kena hina... pernah iols kena hina dengan orang2 luar.. tanya iols ni keje stagnant ke? sbb colleague2 iols sume pakai continental cars, busuk2 pun merz & beemer... iols wat lek wat chill je pakai keta jepun, dah bertahun plak tu iols pakai... pastu husband kasi hadiah keta perodua axia (heols beli cash) utk i pakai gi dekat2 and pasar.. terus i diketawakan kawan2.. pe cerrr sis lepas nikah terus downgred tergolek pakai keta made in malaysia?... itu ayat2 yang i teringat lah... pastu dengan kengkawan yang duk promote betapa best keta conti, sbb ofis iols kasi staff discount utk merz & beemer, complete dengan loan package... pasal rumah (ID, perabot), baju2 gi jenjalan or ofis...
tatau apa penyakit suka berhutang ribu riban ni, dengan lifestyle yang luxury... bg i, up to you la nak luxury lifestyle ke cane... tp tak perlu lah hina orang.. other people have other priorities...
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khuens... selagi tak penuh asb2 yang ada tu, dah ready retirement plan segala... takyah la membongak kaya LOL
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kan...
sama laa kiter.... satu toyota..satu axia jer...
axia tu buat lenjan....senang kehulu kehilir.... takpalaaaa...nak kata sedih hidup ukur dr apa yg aku bawak??
hahahahahahahahah.. sedih lagi hidup kalau hutang keliling pinggang....
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LostStar replied at 21-7-2020 09:39 AM
ala bersedia kembali seperti biasa jek la.. apa masalahnya.. kan sebelum ni gaji kne bayaq hutang ke ...
Utk yg gaji tetap x terjejas mmglah x risau.....ni yg terdedah kpd risiko diberhentikan kerja, or kerja sendiri yg mana bisnes terjejas |
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kejinya deolsssss pastu husband kasi hadiah keta perodua axia (heols beli cash) utk i pakai gi dekat2 and pasar.. terus i diketawakan kawan2.. pe cerrr sis lepas nikah terus downgred tergolek pakai keta made in malaysia?... itu ayat2 yang i teringat lah...
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green~tea replied at 21-7-2020 10:57 AM
pastu orang2 kita jenis suka provoke orang.. kalo kita simple lifestyle, live below our means, for ...
Biasalah jenis mudah tunduk pada peer pressure....
Aku pakai henset oppo bodoh pun org kritik apsal x pakai IFon...... |
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Moratorium utk yg benar memerlukan. Yg sengaja extend tu mmg cari pasal. Org lain tak sabar2 nak habiskan bayar hutang lagi ada la. Stress tau tanggung hutang. |
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kalau boleh sambung moratorium, tapi kasi by request. maksudnya, org kena apply dan kena tnjuk la sebab nape dia nak apply, cth kena berhenti kerja ke, potong gaji ke, pasangan kena berhenti kerja ke... pasal tak dinafikan, ada aje yg amik kesempatan dalam tempoh moratorium ni. |
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cantekk punya timing.
elok je moratorium abes, pru15 pon tiba.
ngam. |
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kita ada duit ke nak buat PRU? 14 bil tu cost PRU....
entah kita survive ke tak recession post pandemic ni.. ape income gomen malaysia skang ni? many companies are operating in RED this year
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sama la sis. i pun selalu di tanya tak nak tukar kereta ke. i pakai keta local jer.
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income dari loan and credit cards ni sbnrnya diperlukan oleh bank utk normal operation dia.. the bonus would be coming from other financial product offerings... i believe blanket approval for loan moratorium should not be extended, and application should be case by case basis, atas budi bicara bank |
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i would blame the instafames portraying "fake luxury" lifestyle... orang ter ikut2.... termasuk la anak2 muda, makcik2 kertu acah2 luxury lifestyle... ada orang iols kenal sampai tahap segala hashtag barang branded yang ditayang di dalam gambar sheols and anak2 sheols.. ape ke gila...
kalo selfie, sheols akan hashtag segala skincare and make up branded sheols tepek kat instagram posting tu
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Duit moratorium keta & rumah 6 bulan, aku park dlm ASB, TH & EPF i-saraan.
Nnt bila dpt dividen esok, boleh cover balik bayaran balik tu.
Tp aku ada la guna duit morat tu skit utk pi staycation kat hotel penang, jalan2 sana makan angin.
Support skit la local business.
Jangan dok menyimpan sangat.
Bantu ekonomi kita sama bak kata abah Din kita. |
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mcm bos aku
mmg kena hina kena gelak je
sbb gaji dia dh RM30k sebulan
tetap hidup sederhana
pakai keta kecik
makan kat kantin
pdhal duit dia dh juta2 kot dlm bank
beli kondo kat Penang cash 400k
untuk kakak2 dia
dia & kakak2 dia single
kat KL ni dia ada few properties
saham2 lagi
klu dia pencen nnt aku tak heran pun klu dia worth 6 7juta
dia aman2 tak heran pun org gelakkan dia
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ada moratarium sampai oct ni pun i bersyukur sgt, usaha byr hutang cc.. last yr swipe cc pun bukan apa sebab byr study fees.
masa tu tak sempat dah nak apply personal loan.
gaji pun bukannya banyak..tak swipe kangg bertangguh lagi
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