Chinese
Color
Orange
Black
Blue
Purple
Green
Deep Blue
Laman Utama
Forum
Fokus
Semasa
Gosip Socmed
Infozon
tularsuara
Search
12Next
Return to list New
1493
View
30
Reply

[Tempatan] Rumah skim Sewa-Beli (RTO) utk golongan B40. Bulanan RM800 - RM850 utk rumah bawah RM300K

[Copy link]

Author: R2D2       Show all posts   Read mode

Author
Post time 28-9-2020 03:24 PM | Show all posts |Read mode
Introduce affordable rent-to-own scheme for B40 youth | New Straits Times
4-5 minutes



LETTER: In addressing the issue of housing affordability and ownership among youth in the low-income group (B40), one avenue to explore is the implementation of the Rent-to-Own (RTO) scheme for affordable housing units.

Anecdotal evidence has shown that it will become harder for youth to purchase homes amid this challenging time when employability is uncertain for new entrants in the labour market. Therefore, they are at risk of not earning stable and sufficient incomes.

There was a positive first signal in May, after the announcement made by Federal Territories Minister Tan Sri Annuar Musa, about the government considering a Rent-then-Own scheme for B40 youth in Kuala Lumpur who are civil servants, or running their own businesses but cannot afford to own homes.

Under the proposed scheme, over 1,000 housing units will be rented out for RM800 to RM850 per month, while affordable houses priced less than RM200,000 are built. Once the housing projects are completed, the rental payments could be used to pay for the deposit of the new houses or used as rebates.

Perhaps the same scheme can be implemented in other states too. Instead of going through the difficulties of trying to buy a house, they can be given the option to rent first, while saving money to buy the house in the future. Under the RTO scheme, B40 youth who are first-time house buyers should be given the assistance to rent houses at affordable rates for a few years, allowing them to purchase the house at the end of the rental period or when they are able to secure mortgage loans from banks.

Through this scheme, the attraction seems to be that the entry cost is low, because the tenants do not need to pay for the 10 per cent down payment. The government, alongside financial institutions and property developers, should collaborate to try to cater to this group's needs in the most effective and coordinated way.

This move should be welcomed, as it could help address the worries in relation to difficulties in getting loans and insufficient money to pay for the 10 per cent down payment. It could also help solve the issue of property overhang in the country which involves affordable homes priced at RM200,000-RM300,000, accounting for 43 per cent of the total in the first half of 2019, according to the Valuation and Property Services Department.

This measure can be applied in conjunction with the Housing Integrated Data System (HIDS), whereby buyers can select their preferred location and type of house which suit their incomes, expected to be ready by next year. With this convenience, underprivileged youth can be prioritised in the allocation process of affordable housing units. If they are still unable to afford the house, they can be directed to the RTO scheme.

Although the Home Ownership Campaign (HOC) has been lauded by the public due to its incentives, the RTO scheme could be another boost to help youth afford their own home, as some are still constrained due to the issue of affordability, job stability, commitments and high house prices, based on a survey conducted by City & Country.

Considering youth are likely to be part of the B40 group who are found to allocate the highest share of their expenditure on housing C 25.6 per cent C and income growth tends to not keep up with the growth in house prices, the issue of housing affordability should be addressed.

With that being said, the rental market should be strengthened further to become a viable option for youth who are financially burdened in the short term. Hence, an RTO scheme should be one of the action plans to be looked into.

SOFEA AZAHAR
EMIR Research
Kuala Lumpur

The views expressed in this article are the author's own and do not necessarily reflect those of the New Straits Times

Rate

2

View Rating Log

Reply

Use magic Report

Looking for Google Ads Manager expert. Freelance work from home. Profit sharing basis. Please send your resume to HR@cari.com.my
Post time 28-9-2020 04:02 PM | Show all posts
bayaran 800-850 sebulan tu sesuai untuk bawah 30 tahun above then 35 amek kau 1500 sebulan
Reply

Use magic Report

Post time 28-9-2020 08:54 PM From the mobile phone | Show all posts
Ni rumah mampu milik, bukan rumah PPR kan? Ok kot kalau harga begitu. Kalau PPR, agak hurm jugak la, dgn nk kene hadap perangai jiran PPR, dgn facilities yg tak diselenggara dgn baik, berebut parking lagi.
Reply

Use magic Report

Post time 28-9-2020 08:59 PM From the mobile phone | Show all posts
Bawak 300 k dapat ke monthly 850?
Kalau rumah 200k pun dh almost 1000 sebulan.
Reply

Use magic Report

Post time 28-9-2020 09:00 PM From the mobile phone | Show all posts
allshares replied at 28-9-2020 08:54 PM
Ni rumah mampu milik, bukan rumah PPR kan? Ok kot kalau harga begitu. Kalau PPR, agak hurm jugak la, ...

Rumah mampu milik kot.
Kwn i beli rumah mampu bilik corner lot 1 tingkat dpt la bawah 300 k.
Reply

Use magic Report

Post time 28-9-2020 09:08 PM | Show all posts
Lula2 replied at 28-9-2020 09:00 PM
Rumah mampu milik kot.
Kwn i beli rumah mampu bilik corner lot 1 tingkat dpt la bawah 300 k.

Untunglah kawan u dapat beli corner lot pada harga bawah 300k. Kat kawasan mana ni?

Reply

Use magic Report

Post time 28-9-2020 09:28 PM From the mobile phone | Show all posts
Lula2 replied at 28-9-2020 09:00 PM
Rumah mampu milik kot.
Kwn i beli rumah mampu bilik corner lot 1 tingkat dpt la bawah 300 k.

Wow murah, landed kan? Lokasi kt mana tu uols?
Reply

Use magic Report

Post time 28-9-2020 10:23 PM From the mobile phone | Show all posts
insulin replied at 28-9-2020 09:08 PM
Untunglah kawan u dapat beli corner lot pada harga bawah 300k. Kat kawasan mana ni?

Kt melaka. Luar kl masih murah la
Reply

Use magic Report

Post time 28-9-2020 10:24 PM From the mobile phone | Show all posts
allshares replied at 28-9-2020 09:28 PM
Wow murah, landed kan? Lokasi kt mana tu uols?

Kt melaka.
Tp rumah 3 blk je. Cuma tanah dia luas so boleh la nanti renovate bila ada duit.
Reply

Use magic Report

Post time 28-9-2020 10:26 PM From the mobile phone | Show all posts
Sebulan 800..berbaloi juga kan.
Reply

Use magic Report

Post time 28-9-2020 10:31 PM From the mobile phone | Show all posts
Lula2 replied at 28-9-2020 10:24 PM
Kt melaka.
Tp rumah 3 blk je. Cuma tanah dia luas so boleh la nanti renovate bila ada duit.

Oh, iols ingat kt selangor. But okay lah tu, corner lot lagi ada tanah, untung boleh beli.
Reply

Use magic Report

Post time 29-9-2020 07:05 AM From the mobile phone | Show all posts
Lula2 replied at 28-9-2020 08:59 PM
Bawak 300 k dapat ke monthly 850?
Kalau rumah 200k pun dh almost 1000 sebulan.

100k dah 700 sebulan.10% deposit.
Kalau bukan islamic 5 tahun pertama 650.
Reply

Use magic Report

Post time 29-9-2020 07:20 AM From the mobile phone | Show all posts
Lula2 replied at 28-9-2020 10:24 PM
Kt melaka.
Tp rumah 3 blk je. Cuma tanah dia luas so boleh la nanti renovate bila ada duit.

Melaka aku tgok rumah murah2. Brbaloi ke belib rumah dkt melaka?
Reply

Use magic Report

Post time 29-9-2020 07:39 AM From the mobile phone | Show all posts
caprut replied at 29-9-2020 07:20 AM
Melaka aku tgok rumah murah2. Brbaloi ke belib rumah dkt melaka?

Mak saudara aku bl rumah kat Melaka.. Beso rumah dia.. Murah skt dr rumah aku.. Tp aku rs ok je kot tuk org pencen duk sana.. Anak2 pun dah keje.. Kalo belajo lg tkt gak la.. Sbb kita ni bukan org melaka.. Kang kn dibahasakan org melaka.. Sayu ati.. Hehehe
Reply

Use magic Report

Post time 29-9-2020 08:32 AM From the mobile phone | Show all posts
Sya bli kt s.petani 4 thn lps.Teres 22x70.rm189k
Reply

Use magic Report

Post time 29-9-2020 08:43 AM From the mobile phone | Show all posts
TomyamPuteh replied at 29-9-2020 08:32 AM
Sya bli kt s.petani 4 thn lps.Teres 22x70.rm189k

Wah...patutnya rumah rumah nih kena Ada harga kawalan juga
Reply

Use magic Report

Post time 29-9-2020 08:52 AM | Show all posts
TomyamPuteh replied at 29-9-2020 08:32 AM
Sya bli kt s.petani 4 thn lps.Teres 22x70.rm189k

sp kat mana ni? ke alek atas nun masuk ke dalam lagi dari cinta sayang?
kwn iols ade beli rumah banglo link belah sana pastu skrg merungut jauh giler nak p keje pun jem+tol mencanak. nasib skrg minyak murah.
timbal balik jadi mahal plak tapi kalo keje sekitar sp sana ok la.
Reply

Use magic Report

Post time 29-9-2020 09:40 AM From the mobile phone | Show all posts
caprut replied at 29-9-2020 07:20 AM
Melaka aku tgok rumah murah2. Brbaloi ke belib rumah dkt melaka?

Kalau dah kau keje sini, berbaloi la.
Reply

Use magic Report

Post time 29-9-2020 09:59 AM From the mobile phone | Show all posts
syamzana replied at 29-9-2020 08:52 AM
sp kat mana ni? ke alek atas nun masuk ke dalam lagi dari cinta sayang?
kwn iols ade beli rumah b ...

Dpn Maktab Perguruan. Sblh INTAN
Reply

Use magic Report

Post time 29-9-2020 10:44 AM From the mobile phone | Show all posts
rumah mahal satu hal. faedah pun mahal.
Reply

Use magic Report

12Next
Return to list New
You have to log in before you can reply Login | Register | Facebook Login

Points Rules

 CARI App
Get it FREE Google play
 Twitter
 Instagram
cari_infonet
FOLLOW
Copyright © 1996-2020 Cari Internet Sdn Bhd All Rights Reserved(483575-W)
Private Cloud provided by IPSERVERONE
Advertise with us
Quick Reply To Top Return to the list