The Prime Minister said the Government had implemented various programmes and initiatives to support and achieve its “1Family 1House” plan.
A total of 2,114 My First Home Scheme applications had been approved, with loans amounting to RM431mil between 2013 and January this year, he added.
“For the Youth Housing Scheme, as of the end of February, a total of 876 applications were approved by Bank Simpanan Nasional involving loans totalling RM215.15mil.
“It is the responsibility of the Government to provide access to affordable housing for each household, especially the low- and medium-income groups, in line with the objective of improving the people’s standard of living,” he said in reply to Shaharuddin Ismail (BN-Kangar).
Najib, who is also the Finance Minister, said the Government had increased the number of affordable homes, including the rakyat housing projects, Federal Territories affordable housing projects, 1Malaysia Civil Servants Housing Programme and Mesra Rakyat projects via agencies such as PR1MA and Syarikat Perumahan Negara Bhd.
He said access to housing loans had improved, with the number of loan applications rejected by financial institutions dropping from 30% in 2012 to 20% last year.
Asked if the Government had plans to ease loan restrictions for those with bad financial track records to apply for housing loans, Najib said banks did not gauge an applicant’s ability to repay loans based on the Credit Tip-Off Service (CTOS) and Central Credit Reference Information System (CCRIS).
“It is also based on the individual’s wages and disposable income,’’ he said, adding that dissatisfied parties could refer to Bank Negara’s credit counselling and debt management unit.
Deputy Minister in the Prime Minister’s Department Datuk Razali Ibrahim said the RM804mil Mesra Rakyat project allocation under the Prime Minister’s Department would be distributed fairly to all 222 constituencies nationwide.
He noted that the allocation had been reviewed from RM1.33bil to RM804mil following the Budget revision on Jan 28.
All projects must meet several criteria before approval, including having a high impact on the people, he added.
Resource: http://www.thestar.com.my
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