traffic.libsyn/melody/GOGOD_20141013.mp3 On 10th October 2014, our Prime Minister announced the Budget for 2015. Let’s take a look at how it benefits the Rakyat in terms of housing and property. • 50% stamp duty exemption on the instrument of transfer agreements and loan agreements for first home purchased. • An improved Skim Rumah Pertamaku with a raised ceiling price of RM500,000 from RM400,000, in line with the stamp duty exemption. In addition, the age of borrowers that qualify for the scheme will be increased from 35 to 40 years old. This shall be valid until 31st December 2016. • Under the 1 Malaysia People’s Housing Programme (PR1MA), the government shall build 80,000 units of houses. Besides that, the Rent-to-Own Scheme will be introduced especially for individuals who are unable to obtain bank financing. • The National Housing Department (JPN) will build 26,000 units under the People’s Housing Programme (PPR). • Syarikat Perumahan Negara Berhad (SPNB) will build 12,000 units of Rumah Mesra Rakyat (RMR) and 5,000 units of Rumah Idaman Rakyat (RIR). • For civil servants, the minimum eligibility for housing loans will be increased from RM80,000 to RM120,000. The maximum eligibility limit will also increased from RM450,000 to RM600,000. • Under the Youth Housing Scheme, the government will offer a funding limit for first homes not exceeding RM500,000 for married youths aged between 25 and 40 years with household income not exceeding RM10,000. The maximum loan period is 35 years. • To reduce the burden of monthly instalments, the government will provide monthly financial assistance of RM200 to borrowers for the first two years. The number of units available under the Youth Housing Scheme is 20,000 on a first-come-first-serve basis. For those who are thinking of buying their first home, these are the options and opportunities that might interest you. 在刚过去的10月10日，我国首相公布了最新的2015财政预算案。现在，让我们来看看这项预算案如何在房产方面惠及人民。 • 第一次购屋者，可以继续享有豁免50%印花税。同时提高受惠屋价顶限，由原有的40万令吉提高至50万令吉。这项优惠会一直进行至2016年12月31日。 • 在一马房屋计划下，政府将拨款13亿令吉建造8万间平价屋。而购屋者的收入顶限也从现有的8千令吉提升至1万令吉。此外，政府也会提供先租后买的配套，让那些无法获得银行贷款的人，可以先居者有其屋。 • 国家房屋局也将获得6亿6千400万令吉的拨款，兴建2万6千间人民组屋。 • 为了协助公务员购屋，政府宣布提高公务员可获的房屋贷款，最低从8万令吉增至12万令吉，最高则从45万令吉增至60万令吉。 • 此外，政府也会跟国民储蓄银行、公积金局、大马再抵押机构合作设立青年房屋计划，帮助年轻人购屋。这项计划公开给所有年龄介于25至40岁的年轻夫妇，以月薪不超过1万令吉，第一次购买房产为准。同时，政府会提供不超过50万令吉的贷款，最高年限为35年。 • 为了减轻他们的负担，政府会在首两年提供每月200令吉的津贴，只限首2万名申请者。 对于那些想要置业，且符合条件的人们，可以多加了解。
Posted on: Fri, 17 Oct 2014 09:57:23 +0000
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