Friday 21 December 2012

Government Latest News

Latest News from Government
In 2013, the Government will allocate RM100 million to the Ministry of Housing and Local Government to revive 30 abandoned housing projects.

The Government will allocate RM1.9 million to build 123,000 affordable housing units in strategic locations in 2013. The initiative will be implemented by PR1MA, Syarikat Perumahan Nasional Berhad (SPNB) and Jabatan Perumahan Negara.

The Government has made improvements to the My First Home Scheme by increasing the income limit for individual loans from RM3000 to RM5000 per month, or joint loans of husband and wife of up to RM10,000 per month.
 The Government has also abolished the additional requirement for a savings record equivalent to 3 months instalment and minimum employment of 6 months.

The Real Property Gains Tax (RPGT) will be increased from 10% to 15% for properties sold within the first 2 years, while properties sold from the third to fifth year will be increased from 5% to 10%.

The Government has proposed that the stamp duty exemption on the instrument of transfer agreements and loan agreements for the purchase of the first residential property be extended to 31 December 2014 with the price limit on residential properties raised to RM400,000 from RM350,000 previously.

Thursday 20 December 2012

小資買房/年收入不到百萬 房貸怎規劃?



小資家庭要如何買房?能買總價大約多少的房子?一般來說,所謂的「小資家庭」指的是家庭月收入6-8萬,年收入不到百萬的家庭而言。在房價「回不去」的現在,年收入百萬以下的家庭,要如何規劃買屋計劃呢?

專家建議,一般小資家庭最好從中古屋下手,待有能力再換屋,也漸漸地累積看屋技巧,為未來換屋做好準備,而房貸金額最好不要超過收入的1/3,壓力才不至於過大。

依照上述原則,月收入6-8萬的家庭,房貸的月支出可訂在2~2.4萬元,以利率2%,還款年限20年計算,則可貸金額為395萬~474萬元。至於可以買總價多少的房子,就看自備款有多少了。

反過來說,如果把目標設定在總價800萬左右的房子,那麼需要準備的自備款就要有405萬~326萬元。

根據營建署最新的報告,全台的房價所得比達9.1倍,也就是說,如果一個家庭不吃不喝,把錢全拿來買房,需要9.1年的時間。以區域來說,台北市仍是全台購屋壓力最重的地區,購屋所得比達14倍,貸款負擔率達到51.4%,家庭收入的一半以上都在支付房貸。


文章来源:http://www.cutreader.com/show.php?id=258266&amy&house