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 Post subject: Syarat baru beli rumah ketiga.
PostPosted: 04 Nov 2010, 09:51 
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Joined: 13 May 2010, 22:47
Posts: 13
Location: Shah Alam - Kerteh
Seperti yang dirumourskan sebelum ini,syarat baru untuk membeli rumah ketiga telah dikuatkuasakan oleh Bank Negara dengan kelayakan membiaya rumah ketiga diturunkan kepada 70% Loan to Value (LTV).Ini bermakna kalau nak beli rumah yang ketiga, Margin of Finance oleh bank yang akan diberi maksima 70%,ie downpayment 30% harga property.

As per STAR 04.11.10 :

Buyers to pay more after second house

KUALA LUMPUR: Malaysians have to fork out more money from today to buy more than two houses after Bank Negara slammed the brakes on property speculation.

The central bank announced with immediate effect the implementation of a maximum loan-to-value (LTV) ratio of 70% for people buying their third or more house, meaning those wanting their third property onwards have to come out with their own cash amounting to 30% of the value of the house.

“Financing facilities for purchase of the first and second homes are not affected and borrowers will continue to be able to obtain financing for these purchases at the present prevailing LTV level applied by individual banks based on their internal credit policies,” Bank Negara said in a statement yesterday.

The central bank said at the national level, property prices had increased steadily and remained manageable compared with the historical trends but for certain hot locations, particularly around the urban areas, faster growth in prices and transactions had been seen.

“This is further supported by an increase in financing provided for multiple unit purchases by a single borrower, suggesting increasing investment activity that is of a speculative nature,” it said.

kepada yang berpengalaman dalam hal ehwal property boleh advise.apakah kesan daripada penguatkuasaan ini.

Adakah langkah ini untuk mengurangkan spekulasi harga property ( yang skyrocketing sekarang ini ),
Adakah ini tanda2 property market kita akan menuju ke bubble burst,
Apa effect syarat ini kepada perancangan kewangan kita?


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 Post subject: Re: Syarat baru beli rumah ketiga.
PostPosted: 04 Nov 2010, 16:59 
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Joined: 28 Jul 2009, 20:47
Posts: 34
salam semua,
aku rasa la kan nnti kalau kite dah sampai tahap kene beli rumah yg ke-3, mesti saving dah tip-top punyer,takde hal la 30% downpayment tu!


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 Post subject: Re: Syarat baru beli rumah ketiga.
PostPosted: 06 Nov 2010, 00:22 
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Joined: 26 Feb 2010, 23:28
Posts: 23
farids wrote:
salam semua,
aku rasa la kan nnti kalau kite dah sampai tahap kene beli rumah yg ke-3, mesti saving dah tip-top punyer,takde hal la 30% downpayment tu!


En Aziz mesti ada caranya. So jangan risau


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