Bagaimana Skim Rumah Pertamaku membantu pembiayaan rumah anda

Bagaimana Skim Rumah Pertamaku membantu pembiayaan rumah anda
© Provided by Free Malaysia Today

Pada separuh pertama 2021 (H1 2020), pembeli rumah pertama (FHB) telah membeli sebanyak 2,344 buah rumah di Selangor, iaitu berlaku penurunan sebanyak 40% dari tahun sebelumnya (H1 2020).

Di Kuala Lumpur pula, hanya 465 urusniaga pembelian rumah telah dilakukan oleh FHB, penurunan sebanyak 65.22% dari tahun sebelumnya.

Akan tetapi, trend ini boleh dikaitkan dengan Perintah Kawalan Pergerakan (PKP) yang telah melemahkan ekonomi Malaysia dan menyebabkan rakyat Malaysia lebih bersederhana dalam berbelanja. Kini, 77.9% populasi Malaysia telah menerima vaksin penuh dan pergerakan antara negeri telah dibenarkan semula. Ekonomi Malaysia telah mula menunjukkan tanda-tanda pemulihan yang menggalakkan.

Dengan ini, adakah tahun 2022 merupakan tahun yang sesuai untuk anda yang ingin membeli rumah pertama anda?

Untuk mereka yang belum tahu tentang Skim Rumah Pertamaku, skim ini telah dilancarkan pada tahun 2011 untuk menyokong mana-mana pembeli rumah pertama supaya mereka dapat menikmati pembiayaan yang sesuai untuk membeli rumah.

Dengan Skim Rumah Pertamaku, pemohon yang layak boleh mengambil pembiayaan pinjaman sehingga 110% daripada harga hartanah. Kelayakan untuk mereka yang ingin memohon skim ini adalah warganegara Malaysia bergaji tidak lebih dari RM5,000 sebulan untuk permohonan individu dan tidak lebih dari RM10,000 untuk permohonan bersama. Kriteria untuk hartanah yang ingin dibeli pula haruslah rumah pertama pemohon, samada dari pasaran primer atau sekunder, berharga maksimum RM500,000 dan yang paling penting, dihuni oleh pembeli sendiri (own stay).

Menarik, bukan? Skim Rumah Pertamaku ini boleh dimohon di mana-mana cawangan bank yang terlibat. Sehingga kini, sebanyak 23 bank yang terlibat dalam Skim Rumah Pertamaku.

Property Advisor telah mendapatkan penerangan lanjut dari wakil Co-opbank Pertama (CBP) tentang skim ini dan bagaimana ia boleh membantu pembeli rumah pertama.

Kami telah bertanya mengapa setiap bank mempunyai kriteria gaji minima dan had DSR (debt to service ratio) yang berbeza. Wakil CBP menerangkan bahawa ini adalah dua perkara yang berbeza tetapi mempunyai pengaruh yang sama dalam proses kelulusan pembiayaan dari pihak bank.

“Gaji minimum merujuk kepada syarat minimum pendapatan yang selamat bagi kos sara hidup (cost of living) pemohon. Sebagai contoh, Pemohon A mempunyai pendapatan RM2,000 sebulan dan Pemohon B mempunyai pendapatan RM5,000 sebulan. Kedua-duanya menetap di Lembah Klang dan purata bulanan perbelanjaan Pemohon A dan B adalah RM1,500. Kesimpulannya Pemohon B mempunyai baki pendapatan yang lebih tinggi berbanding pemohon A dan lebih selamat pada pihak bank untuk memberi pinjaman bagi jangka masa panjang.

“DSR pula melihat ‘pendapatan vs komitmen’ pemohon. Sebagai contoh: Pemohon B berpendapatan RM5,000 dan mempunyai komitmen sedia ada RM1,500. Pihak bank telah menetapkan kelayakan DSR adalah 80% dari pendapatan pemohon. Maka RM5,000 x 80% = RM4,000. Baki bersih selepas penolakan komitmen sedia ada RM1,500 adalah RM2,500. Dengan baki bersih RM2,500 pemohon B layak untuk memohon pembiayaan perumahan yang diidamkan kurang dari bayaran bulanan RM2,500.”

Kriteria yang berbeza bagi setiap pembiayaan yang dikenakan oleh pihak bank dari gaji minimum and DSR adalah amat penting seperti mana juga minimum pembiayaan perumahan dan bercagaran bermula dengan jumlah yang besar. Maka ansuran juga sudah tentu besar, dengan tempoh pembiayaan yang panjang.

“Sebab itulah penekanan pada latar belakang pemohon memainkan peranan yang amat penting. Pendapatan mereka mempengaruhi DSR, manakala jenis perniagaan dan tempat tinggal pemohon memberi gambaran scoring serta kos sara hidup. Faktor lain seperti tempoh perkhidmatan juga diambil kira,” wakil CBP jelaskan lagi.

Walaupun Bank Negara Malaysia (BNM) telah melancarkan kempen Skim Rumah Pertamaku di mana pembiayaan dapat diberi sehingga 110%, pihak bank telah meletakkan syarat di mana pemohon tidak dibenarkan untuk membiayai semula (refinance) atau menjual semula rumah tersebut dalam tempoh kurang dari 5 tahun.

Kesimpulannya, pembiayaan dapat dilakukan sehingga 100% atau 110% dengan meletakkan beberapa syarat khusus seperti ‘Lock in period’ dari segi keselamatan pada pihak bank untuk jangka masa akan datang sekaligus kadar faedah (interest rate) yang lebih tinggi bakal kepada pemohon dikenakan dalam tempoh tertentu sahaja.

Wakil CBP juga telah memberi penerangan tentang perbezaan pembiayaan konvensional serta pembiayaan Islam.

Beliau kata, “Pembiayaan konvensional akan memberikan pinjaman berdasarkan faedah dan keuntungan yang diperolehi oleh pembiaya (bank) adalah melalui kaedah tersebut. Manakala bagi pembiayaan yang patuh syariah, peranan bank yang patuh syariah bukanlah sebagai institusi pinjaman tetapi sebagai institusi pelaburan. Ia adalah kerana bank-bank Islam ini beroperasi di bawah garis panduan serta bersumberkan sosio-agama yang melarang pembayaran faedah selain daripada tidak terlibat dengan transaksi yang diharamkan.”

Selain itu, bank yang menawarkan produk perbankan patuh syariah juga tidak akan memberi pembiayaan kepada industri yang menjalankan aktiviti yang boleh memberi kemudaratan kepada masyarakat seperti minuman beralkohol, perjudian, tembakau dan lain-lain selagi ianya tidak menyalahi undang-undang.

Produk perbankan Islam disokong oleh aset yang melibatkan aktiviti perdagangan, penyewaan asset termasuk konsep keuntungan dan kerugian berbanding dengan bank komersial yang menganggap wang sebagai komoditi dan meminjamkannya dengan faedah sebagai pampasan.

“Jadi, jika dilihat secara menyeluruh, perbankan Islam mempunyai kelebihan dari segi pembiayaan kadar berubah mengikut keadaan ekonomi semasa supaya adil dan tidak berat sebelah terhadap pengguna atau bank. Tetapi, sewaktu penyediaan akad ataupun perjanjian, kadar keuntungan akan dikenakan had maksimum kepada pelanggan bagi melindungi pelaburan dan memastikan komitmen bulanan tidak melebihi jumlah tertentu.

Bagaimanapun, masyarakat perlu tahu bahawa kebanyakkan institusi kewangan termasuk perbankan Islam, mengenakan yuran pentadbiran dan yuran-yuran lain untuk menguruskan akaun. Caj yang dikenakan ini berbeza bagi setiap bank tetapi berkemungkinan tinggi setanding dengan caj yang dikenakan oleh bank konvensional yang bertujuan untuk mengekalkan daya saing perbankan konvensional.”

Oleh itu, jika anda ingin memohon untuk Skim Rumah Pertamaku, kami sarankan supaya anda membuat kajian yang menyeluruh kerana setiap bank mempunyai syarat-syarat tersendiri. Untuk mereka yang berminat untuk mengambil pembiayaan Islam, anda boleh merujuk kepada Kalkulator Pembiayaan kami. Selamat mencuba!

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