Najib pleasedly announced a new scheme to help the first time home buyer in Malaysia-MyDeposit scheme
It is undeniably a great news for Malaysia who aims to purchase first home in current volatile market.Due to the sluggish property segment recently, the power of bargaining has been switched from a seller to a buyer nowadays.
The trigger point for this is due to the overblown of property price which has caused an unattainable house owning dream.
This has resulted in a more precautionary step taken by Bank to raise up the bar for loan approvals and BNM eliminates DIBS to prevent further speculating activities.
2016 might be a year for change for lots of us. It is the time for us to have a cheaper/ reasonable housing price, after a skyhigh rocket-shooting surge for the past few years.
Nevertheless, due to the action taken to curb the speculating activities, it has knee jerk reaction which direct/indirectly impacted our serious buyer as well.
As the bar is higher now, we find difficulties in getting the loans to be approved. The debt service ratio (DSR) now can be lower as compared to the prior years and a stringent background check on CCRIS CTOS are now full in place.
To counter htis, lots of measures have also been taken by government to help us on this : PR1MA & Rumah WIP which are lauched at RM300k or below.
The payoff behind the cheaper price are the higher density, more level of multilevel parking and the prohibition of selling the house within 10 years.
I appreciate the scheme launched recently and this does help the needers to attain their first house dream faster.
What is MyDeposit scheme?
1) This is for someone with monthly income not more than RM10,000.
2) This is for first time home buyer
3) Its 10% of buying price or capped at RM30,000
4) Only applicable for houses ranging not more than RM500,000
30,000 of a RM500,000 is about 6% of the total price. It means you get a 6% discount from the scheme.
It sounds promising, right?
So, please remember that you are entitled for the scheme above and apply accordingly to enjoy the benefit of it.
Remarks : This is only applicable for those who obtained the bank loans and sign S&P after the approval of getting the MyDeposit scheme. Tricky play on this - to demand a house which is priced slightly higher than RM500,000 to RM500,000 and below ensure your full entitlement on this. (We have a higher bargaining power now anyways!)
Below are the extraction from the website － http://sprn.kpkt.gov.my/sprn/content/mydeposit-write.html for your reference
SYARAT DAN KELAYAKAN PERMOHONAN MyDeposit
KPKT akan melaksanakan penapisan pemilihan permohonan yang diterima berdasarkan kelayakan berikut :
Pemohon mestilah warganegara Malaysia berumur sekurang-kurangnya 21 tahun ketika permohonan dibuat dan tiada umur maksima ditetapkan.
Permohonan ini adalah bagi tujuan pembelian rumah pertama bagi satu isi rumah.
Pendapatan kasar RM10,000 dan ke bawah sebulan. Pendapatan kasar bulanan termasuk semua bentuk ganjaran hasil daripada pekerjaan atau perniagaan (upah, gaji, komisyen, bonus, elaun dan lain-lain) .
Pemohon mestilah mempunyai kelayakan untuk membuat pinjaman perumahan dengan mana-mana institusi pembiayaan. dan
Pemohon yang layak akan diberikan kelulusan bersyarat dengan tempoh 30 hari untuk menandatangani Perjanjian Jual Beli rumah yang hendak dibeli.
KRITERIA PEMBELIAN PROJEK PERUMAHAN YANG DIBENARKAN
Pembelian projek perumahan yang dibenarkan dibawah Skim MyDeposit ini adalah seperti berikut :
Projek perumahan baharu yang berlesen atau perumahan pasaran sekunder (subsale).
Harga pembelian adalah RM500,000 dan ke bawah; dan
Kelulusan pembelian bagi projek-projek perumahan swasta yang tidak mendapat subsidi insentif dana Kerajaan.
DOKUMEN SOKONGAN
Senarai dokumen sokongan yang perlu dimuat naik di Sistem MyDeposit :
Salinan kad pengenalan pemohon dan pasangan.
Salinan surat nikah/sijil nikah (Jika berkenaan).
Salinan kad OKU/surat pengesahan OKU (Jika berkenaan).
Salinan surat akuan sumpah bekerja sendiri.
Salinan surat pengesahan majikan.
Salinan penyata gaji terbaru.
Salinan penyata KWSP atau penyata cukai pendapatan
Salinan surat pencen( Jika berkenaan).
Muat naik salinan kad pengenalan/MyKid/sijil kelahiran.
Salinan surat tawaran /pengesahan daripada pemaju/penjual .
salinan Sistem Maklumat Rujukan Kredit Pusat(CCRIS) pemohon dan pasangan.
Wealth Hunter.
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