i wonder why

hm.. just a short entry

i am wondering
when the government want to impose Loan-to-Value to 70% only for the 3rd house onwards, it takes effect immediately.
i remember I got the news from the television somewhere around 8.00 pm, and the rules starts tomorrow.

But, when the government announced in the 2011 Budget last year that first home buyers will enjoy 100% loan, it is still not effected up until now.
No circulars from Bank Negara to any banks.. nothing.. up until now.

SO, why double standard?