Rombak struktur pinjaman rumah elak beban hutang pengguna bertambah
KUALA LUMPUR: Struktur pembiayaan perumahan negara perlu direformasikan secara menyeluruh bagi memastikan pemilikan rumah kekal mampan dan tidak terus membebankan isi rumah. Ini susulan trend tempoh pinjaman jangka panjang yang semakin meluas dalam pasaran, namun didakwa mengaburkan kemampuan sebenar pembeli. Pengarah Penyelidikan Institut Penyelidikan Khazanah (KRI), Dr Suraya Ismail, berkata berdasarkan kajian yang mereka lalukan, tempoh pinjaman perumahan yang semakin panj
Malaysia's housing finance structure requires comprehensive reform to ensure sustainable homeownership and prevent escalating household debt. A key concern is the trend of increasingly long loan tenures, extending up to 45 years. While these longer terms make high-priced homes appear more affordable due to lower monthly payments, they significantly inflate the total amount paid over time, potentially tripling the original cost.
This practice distorts the housing market, with the House Price Index growing faster than the Consumer Price Index, indicating strain on the financing system. Experts warn against extending loan periods further, such as intergenerational loans, as it could lead to a new normal of high household debt, hindering economic progress.
Reforming housing finance is crucial to prevent a future where economic advancement is overshadowed by widespread household debt, ensuring long-term financial stability for citizens.
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