Peraturan baru loan rumah

baby_pingu

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

AbukRokok

shureeeeee ghoooo up huanggggggggg
huang kuang kuangggg

metalrage

penjelasan yg lebih lanjut lagi selain LTV pinjaman perumahan berdasarkan net price:
Versi Bahasa

Termasuk jugak penjelasan DIBS

Acong

beli rumah lelong je.......

sun5670

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