Peraturan baru bank negara

Sabtu lepas, hampir semua suratkhabar menulis tentang berita ini.
Saya tidak terkecuali membacanya.
Bank Negara akan mengeluarkan peraturan baru berkenaan pinjaman yang diberikan kepada penguna oleh pihak bank dan koperasi.

Antara isi pentingnya

- pinjaman kereta hanya boleh diberikan sehingga tempoh 9 TAHUN SAHAJA.
jadi dah takde lah loan 10 tahun ye.. ia berkuatkuasa serta merta bagi permohonan baru yang diterima mulai hari sabtu itu 19 nov 2011.

- Mulai 1 julai, jika peminjam nak meyelesaikan pinjaman lebih awal, TIDAK ADA PENALTI lagi untuk mereka.. mereka hanya perlu bayar kos pentadbiran yang bank tanggung utk memproses pinjaman tersebut sahaja. wah.. ni berita baik ni... dah takde lock in period la maksudnya.. ini utk semua jenis pinjaman. Lagi pun ini mengatasai masalah penganiayaan oleh pihak bank, ada ke patut kita kena denda sebab settle hutang cepat? sebab mereka tak dpt keuntungan banyak di masa depan? perbankan islam pun sama..

-mulai 1 Jan, bank kena teangkan kepada peminjam apa kesan dari hutang tersebut, berapa sebenarnya amaun yang kita bayar dan kesan jika BLR naik.
hm.. ni pun bagus.. sebenarnya peminjam tu kena lah ambil langkah belajar dan kaji sendiri, jangan harap orang yang terangkan dan ajar setiap masa. Tapi jika penerangan ini diberikan, setidaknya peminjam yang tak ambil tahu selama ini akan disedarkan dan diberitahu.

- debt service ratio kakitangan kerajaan hanya 60% sahaja.
ini akan turut mengambil kira pinjaman yang diberikan oleh koperasi yg kebanyakannya pinjaman peribadi lah.. hm.. elok gak ni.. ramai kakitangan kerajaan buat personal loan dari bank atau koperasi utk beli benda2 yang susut nilai dan merepek, contoh beli kereta mahal, top up deposit utk rumah yg melebihi kelayakan, utk perbelanjaan kenduri kawen yg grand (sebab sebelum bercinta tak reti nak menyimpan duit), beli digital kamera mahal, beli smart phone mahal dan macam2 lagi.

artikel sebenar dari the star boleh baca kat bawah ni

Bank Negara unveils new financing rules
(The Star, 19 nov 2011)

KUALA LUMPUR: Malaysians will have to go through a more exhaustive process when applying for loans starting next year after Bank Negara issued guidelines on responsible lending by banks.

Following the new guidelines, the maximum tenure for car loans will be capped at nine years with immediate effect.

Starting July next year, borrowers will not be penalised heavily for early settlement of their loans.

Instead, banks will only be allowed to charge for the cost incurred in processing the loan and not for profit loss from the early settlement of the loan.

At a media briefing yesterday following the release of third quarter economic data where the economy grew by 5.8%, Bank Negara governor Tan Sri Dr Zeti Akhtar Aziz said the objective of the guidelines was to inculcate responsible lending practices by financial institutions which include commercial banks and development financial institutions.

“We don't want to restrict growth but we want to set parameters which are transparent,” she said, adding that the guidelines also provide for clear information and disclosure on financial products.

As the industry becomes more competitive in a challenging environment, Zeti said the central bank wanted to ensure responsible lending practices did not erode.

Starting Jan 1, banks must make clear to the borrowers the implications of the loans they take, illustrating to them just how much more they will have to pay should the base lending rate go up.

The guidelines would be applicable to home and vehicle financing, credit and charge cards, personal financing including overdraft facility as well as financing for the purchase of securities except for share margin financing which comes under stock exchange rules.

Zeti said as part of measures to ensure borrowers do not migrate to cooperatives to get their loans, the Cooperatives Commission would also be imposing requirements on responsible financing practices on credit cooperatives.

Furthermore, the debt-service ratio of civil servants would be capped at around 60%. For others, the banks will determine for themselves and not have a fix ratio in determining what the maximum amount of loan a borrower can take.

The guidelines will include a more stringent “suitability and affordability assessment” which would ensure borrowers have the ability to pay without recourse to debt relief or substantial hardship.

To improve assessment of individual affordability and provide suitable and responsible advice to customers on their capacity to take on additional financing, there would now be appropriate enquiries by lenders on income after statutory deductions and debt repayment obligations.

Zeti added that other objectives of the guidelines were to foster a healthy and sustainable credit market which in turn would contribute to economic and financial stability as well as further strengthen the protection of consumer interests.


Kesimpulannya:

kalau anda apa plan nak refinance atau flip property dan masih terikat dengan lock in period, tunggulah 1 Julai.
kalau anda ada projek property betul2 below market value yg bagus, yang memang pasti buat duit semasa beli rumah tu, baik buat loan segera.
Jika anda suka berhutang tapi main hantam saja dan bukan utk perancangan kewangan jangka panjang, elok lah sangat peraturan Bank negara ni.

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