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Assalamualaikum..
Copy n paste je hari ni... emel dr Andrian Chen, FREEMEN.
Hi,
Happy New Year 2012! How was your weekend h0liday?
I’d like to thank you for some of the great feedback I’ve received from my previous mail. To follow up and answer some of your questions, here’s more updates on the change in our countries banking policy.
Have you read The Star news recently? The net income proposal will be effective on the 1st January 2012. According to the news, it was a measurement by the Bank Negara Malaysia (BNM) to control our household debt to GDP as it reaches nearly 76%, which is on the high side compared with countries in South-East Asia.
This will definitely affect the demand for housing, as CIMB Investment Bank Bhd economic research head Lee Heng Guie said that the intention of the proposed change was to get people to own properties that they can afford but can we afford?
He also said that in 2010, for every ringgit of income, households paid 47.8 sen to service their debt. The debt service ratio of household debt was 49 sen in 2009, 39.5 sen in 2008 and 41.1 sen in 2007 and the factors that affect that ratio is household income and the interest rate outlook.
How many of you think that this is scary? We use almost half of our salary to pay off our debts. So can we still own houses with our current income? Government did came out with the My 1st home scheme so that everyone can have their home to stay and developers such as Mah Sing and Sime Darby are heading towards this direction to build affordable houses in the area of Kajang and Seremban, Negeri Sembilan.
It’s an easy entry to get your 1st home with 100% financing from the bank and some bank even offers extra 5% to finance your legal fees. It sounds good to own your 1st property but have you think about the monthly installment for your house? For example, a RM3, 000 earners bought a RM220, 000 properties with 6% interest rate and 30 years for the repayment, it is about RM1, 319/month. What do you think? Do you think it is quite burden to pay 44% of your salary for a house?
For my opinion, there is a conflict in between the government trying to control the household debts and introducing of the My 1st home scheme. If these run for a long term, we will have a higher household debt and increase of nonperforming loans from the banks. Instead of trying to control the market through measurements, it would be better if government and non govermental sectors focus to work together on revising our salary as everything is expensive nowadays.
What do you think? Should we ask for higher pay?
Happy New Year 2012! How was your weekend h0liday?
I’d like to thank you for some of the great feedback I’ve received from my previous mail. To follow up and answer some of your questions, here’s more updates on the change in our countries banking policy.
Have you read The Star news recently? The net income proposal will be effective on the 1st January 2012. According to the news, it was a measurement by the Bank Negara Malaysia (BNM) to control our household debt to GDP as it reaches nearly 76%, which is on the high side compared with countries in South-East Asia.
This will definitely affect the demand for housing, as CIMB Investment Bank Bhd economic research head Lee Heng Guie said that the intention of the proposed change was to get people to own properties that they can afford but can we afford?
He also said that in 2010, for every ringgit of income, households paid 47.8 sen to service their debt. The debt service ratio of household debt was 49 sen in 2009, 39.5 sen in 2008 and 41.1 sen in 2007 and the factors that affect that ratio is household income and the interest rate outlook.
How many of you think that this is scary? We use almost half of our salary to pay off our debts. So can we still own houses with our current income? Government did came out with the My 1st home scheme so that everyone can have their home to stay and developers such as Mah Sing and Sime Darby are heading towards this direction to build affordable houses in the area of Kajang and Seremban, Negeri Sembilan.
It’s an easy entry to get your 1st home with 100% financing from the bank and some bank even offers extra 5% to finance your legal fees. It sounds good to own your 1st property but have you think about the monthly installment for your house? For example, a RM3, 000 earners bought a RM220, 000 properties with 6% interest rate and 30 years for the repayment, it is about RM1, 319/month. What do you think? Do you think it is quite burden to pay 44% of your salary for a house?
For my opinion, there is a conflict in between the government trying to control the household debts and introducing of the My 1st home scheme. If these run for a long term, we will have a higher household debt and increase of nonperforming loans from the banks. Instead of trying to control the market through measurements, it would be better if government and non govermental sectors focus to work together on revising our salary as everything is expensive nowadays.
What do you think? Should we ask for higher pay?
Cheers,
Adrian Chen, FREEMEN
brobudin: biar betik.. hampir separuh dr gaji bayar utang... huhu
4 comments:
tapi selalunya harga barang naik dulu .... gaji yang lambat naik ... tapi bila gaji naik, harga pun naik juga...
Harga barang naik atau nilai matawang yang susut??..
thisisbalabero
Sesungguhnya, semua ini telah kuperhatikan, semua ini telah kuperiksa, yakni bahwa orang-orang yang benar dan orang-orang yang berhikmat dan perbuatan-perbuatan mereka, baik kasih maupun kebencian, ada di tangan Allah; manusia tidak mengetahui apapun yang dihadapinya.
Segala sesuatu sama bagi sekalian; nasib orang sama: baik orang yang benar maupun orang yang fasik, orang yang baik maupun orang yang jahat, orang yang tahir maupun orang yang najis, orang yang mempersembahkan korban maupun yang tidak mempersembahkan korban. Sebagaimana orang yang baik, begitu pula orang yang berdosa; sebagaimana orang yang bersumpah, begitu pula orang yang takut untuk bersumpah.
Inilah yang celaka dalam segala sesuatu yang terjadi di bawah matahari; nasib semua orang sama. Hati anak-anak manusiapun penuh dengan kejahatan, dan kebebalan ada dalam hati mereka seumur hidup, dan kemudian mereka menuju alam orang mati.
Tetapi siapa yang termasuk orang hidup mempunyai harapan, karena anjing yang hidup lebih baik dari pada singa yang mati.
Karena orang-orang yang hidup tahu bahwa mereka akan mati, tetapi orang yang mati tak tahu apa-apa, tak ada upah lagi bagi mereka, bahkan kenangan kepada mereka sudah lenyap.
Baik kasih mereka, maupun kebencian dan kecemburuan mereka sudah lama hilang, dan untuk selama-lamanya tak ada lagi bahagian mereka dalam segala sesuatu yang terjadi di bawah matahari.
Mari, makanlah rotimu dengan sukaria, dan minumlah anggurmu dengan hati yang senang, karena Allah sudah lama berkenan akan perbuatanmu.
Biarlah selalu putih pakaianmu dan jangan tidak ada minyak di atas kepalamu.
Nikmatilah hidup dengan isteri yang kaukasihi seumur hidupmu yang sia-sia, yang dikaruniakan TUHAN kepadamu di bawah matahari, karena itulah bahagianmu dalam hidup dan dalam usaha yang engkau lakukan dengan jerih payah di bawah matahari.
Segala sesuatu yang dijumpai tanganmu untuk dikerjakan, kerjakanlah itu sekuat tenaga, karena tak ada pekerjaan, pertimbangan, pengetahuan dan hikmat dalam dunia orang mati, ke mana engkau akan pergi.
Lagi aku melihat di bawah matahari bahwa kemenangan perlombaan bukan untuk yang cepat, dan keunggulan perjuangan bukan untuk yang kuat, juga roti bukan untuk yang berhikmat, kekayaan bukan untuk yang cerdas, dan karunia bukan untuk yang cerdik cendekia, karena waktu dan nasib dialami mereka semua.
Karena manusia tidak mengetahui waktunya. Seperti ikan yang tertangkap dalam jala yang mencelakakan, dan seperti burung yang tertangkap dalam jerat, begitulah anak-anak manusia terjerat pada waktu yang malang, kalau hal itu menimpa mereka secara tiba-tiba.
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