KUALA LUMPUR, 26 Okt — Ramai pihak terutama pemain industri hartanah dan pembinaan meminta kriteria pemberian pinjaman untuk pembelian hartanah dilonggarkan.
Setiausaha Agung Persatuan Pembeli Rumah Kebangsaan (HBA), Datuk Chang Kim Loong berkata masalah semasa yang dihadapi oleh pembeli rumah adalah harga hartanah terlalu mahal berbanding tahap pendapatan semasa mereka.
“Tidak perlu kajian antarabangsa untuk membuktikan harga rumah di negara ini ‘sangat tidak mampu milik’.
“Masalah semasa dengan perumahan di Malaysia adalah harga hartanah terlalu mahal berbanding pendapatan rakyat. Malah Laporan Tahunan BNM 2016 pun ada mencatatkan sejak 2012, kenaikan harga rumah di Malaysia telah mengatasi kenaikan tahap pendapatan,” katanya kepada Bernama di sini, hari ini.
Chang berkata ekoran kenaikan harga rumah yang pesat, rakyat mendapati ia sangat mencabar atau mustahil untuk mereka membeli rumah impian berdasarkan tahap pendapatan semasa.
“Dan akan ada beberapa peminjam yang akan ditolak permohonan pinjamannya kerana pihak bank merasakan risiko kredit terlalu tinggi kerana jumlah pinjaman yang dikenakan adalah berlebihan dibandingkan dengan tahap pendapatan semasa mereka,” katanya.
Semalam, Pengarah Jabatan Pemantauan dan Pengawasan Kewangan Bank Negara Malaysia (BNM) Qaiser Iskandar Anwarudin berkata rumah di Malaysia disifatkan sebagai ‘memang di luar kemampuan’ mengikut standard antarabangsa.
Qaiser berkata mengikut metodologi median berganda yang dibangunkan oleh Demographia International dan dicadangkan oleh Bank Dunia, Pertubuhan Bangsa-Bangsa Bersatu (PBB) dan Universiti Harvard, sebuah rumah yang dianggap sebagai mampu dibeli adalah jika harganya tidak lebih tiga kali ganda dari pendapatan tahunan isi rumah.
Sebelum ini, Chang pernah menggesa kerajaan mengkaji semula inisiatif Skim Pembiayaan Sewa Untuk Memiliki (RTO) yang dimasukkan dalam Belanjawan 2020 kerana harga rumah mampu milik yang ditetapkan sehingga RM500,000 dilihat masih tinggi untuk ramai bakal pembeli.
Beliau berkata walaupun ia dilihat sebagai satu langkah proaktif membuka pintu kepada lebih ramai memiliki rumah, lebih wajar sekiranya kerajaan merendahkan had harga yang ditetapkan iaitu RM500,000 kepada nilai yang lebih rendah iaitu sekitar RM300,000.
Chang juga mengalu-alukan bakal pembeli rumah pertama mendapatkan nasihat praktikal dari HBA selain menasihatkan mereka melihat komitmen kewangan masing-masing terlebih dahulu sebelum membuat keputusan membeli hartanah.
“Pembelian hartanah akan menjadi satu-satunya pembelian dan komitmen kewangan yang paling besar akan dibuat oleh rakyat biasa dalam hidup mereka. Pemikiran dan perancangan yang teliti harus dilakukan dan tidak boleh dibuat dengan dorongan atau hanya kerana orang lain melakukannya.
“Pembelian hartanah juga tidak boleh dibuat hanya kerana seseorang itu mahu berkahwin kerana lebih baik hidup bahagia di rumah yang disewa daripada hidup tidak senang di rumah sendiri,” tambahnya.
Sementara itu, Presiden Kongres Kesatuan Pekerja-Pekerja Dalam Perkhidmatan Awam (CUEPACS) Datuk Azih Muda menyokong sepenuhnya kajian badan antarabangsa berkenaan dan meminta kerajaan tidak seharusnya mengambil mudah kajian itu kerana ia adalah satu realiti yang benar-benar berlaku.
Sehubungan itu, CUEPACS menggesa kerajaan menimbang semula Dasar Perumahan Negara bagi kakitangan awam berikutan masih ramai belum memiliki kediaman sendiri.
“Ini kerana kadar harga rumah mampu milik RM300,000 adalah sangat tinggi dan di luar kemampuan penjawat awam. Jika kadar harga rumah mampu milik tidak diturunkan antara RM40,000 hingga RM300,000, maka akan ada penjawat awam yang tidak akan ada rumah. Rumah yang dibina pemaju bukanlah yang mampu milik tetapi hanya mampu lihat sahaja,” katanya.
Jurutera swasta, Mohd Alif Mustaqim Mohammad Shah, 26, yang bekerja dalam industri pembinaan berkata, beliau belum berhasrat membeli rumah dalam masa terdekat dan mengambil kira kualiti sesebuah unit kediaman dan harga yang ditetapkan pemaju.
“Jika harganya melebihi RM400,000, kualitinya juga perlulah berbaloi dengan harga. Selain melihat kemampuan kewangan sendiri, saya juga akan pilih rumah yang kualitinya setaraf harga yang ditawarkan pemaju,” katanya.
Nor Amira Yusoff , 29, juga bercita-cita membeli rumah sendiri tetapi hanya mampu membayar RM1,400 sebulan.
“Buat masa sekarang saya hanya mampu menyewa sahaja. Tidak berkemampuan membeli kerana kebanyakan rumah memerlukan deposit sepuluh peratus. Kumpul deposit sahaja memerlukan lebih kurang lima tahun. Bila dah cukup deposit, rumah pula semakin mahal. Harga pertengahan dalam RM300,000 hingga RM400,000. Leasehold pula, jadi macam tak berbaloi untuk bayar RM1,500 hingga RM2,000 sebulan,” katanya.
— BERNAMA
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